Medical Research, and Other Collateral Damage From Obamacare

medical health

Family doctors are mostly very nice people. They also usually render good medical care. However, they are not accorded a “high status” in the medical hierarchy and in general have little power in medical schools or the research establishment. However, they are well organized politically, and have triumphed in the Obamacare Florida wars.

Approaching the concept of doctor reimbursement as a zero-sum game, their lobby convinced Pelosi and Reid that favoring family practice over specialty care would save money. This may well be true, but every time a pressure group meddles into a complex system, the reallocation of resources results in unintended consequences. Medical research may be one of the first casualties of Obamacare Florida.

Family doctors do not do much medical research.

General practice, with the need to be a “jack of all trades” precludes studying one topic at the depth required to be an original investigator. In addition to the five or so years required to become a specialist, doing basic medical inquiry requires additional post-residency training. It is these highly specialized, non-family doctors, who do the research and teach in the medical schools and universities.

In the power grab that was Obamacare Florida, the family doctors did not consider, and the Congress did not understand, that the high fees paid to medical specialists are a key component to funding medical research. Although laboratories and lab workers are paid for by grants, most physician researchers receive a salary based upon their part time clinical practice and supervision of residents.

Seeing patients, with the help of residents a few days a week, has previously generated enough income to pay the salaries of these academic researchers. Although the incomes were not as high as those of private practice, the system worked well enough to keep medical schools and research positions filled.

The proposed reimbursement reductions to these “overpaid” specialists will impact the academic centers the hardest. Academic physicians, already paid less than their colleagues in private practice, will be faced with substantial reductions. Rules meant to shorten resident hours will further increase the demands on these faculty doctors.

Faced with reduced grants, lower Medicare reimbursement, and increasing costs, the possibility of medical schools or hospitals supplementing physician salaries is not possible.

medical healthMy guess is there will be an exodus of academic physicians, and a reluctance of younger doctors to enter in to the research world. After years of study and huge student loans, the best and the brightest may no longer be able to afford the academic life.

The American medical research establishment has been the source of incredible discoveries and advances in medical care and knowledge. It relies on the dedication and sacrifice of a large number of very talented individuals, working in hundreds of universities across the country. However, it is based upon a complex and fragile funding system.Read the news coming from http://www.scnow.com/news/business/local/article_40c8b69e-9e20-11e6-810a-d3f82c5cbfbe.html

Obamacare Florida, and it’s financially motivated, politically driven backers, are unwittingly dismantling the infrastructure that has been built over the last 50 years. Like the civilians at ground zero in a bombing run, medical research may well be one of the first victims of collateral damage from Obamacare.

Are You Getting the Most From Your Private Medical Insurance?

medical insurance Florida

Over $1.4 million is spent on private medical insurance each year with a considerable rise in self-funded policyholders. Therefore, it is important to ensure that we know our policies well in order to get the most from our private medical insurance Florida.

Reports show that the most common claims are hernias and knee cartilage problems from men and disc problems and cataracts from women.
It seems that most policyholders would not hesitate seek the benefits of their private medical insurance for the problems which are typically more easily treatable yet many insurance policies cover more serious health issues such as cancer and heart disease.

Am I protected against serious illness?

A recent report shows that many people are unsure exactly what their private medical insurance Florida covers them for and whether it would fully cover them for all stages of cancer (diagnosis to recovery).

With current statistics of early diagnosis of many cancers showing a 90% recovery rate, it is important to note that the majority of private medical insurance policies cover you for diagnosis tests and scans. However, some policies may have an annual limit on these.

Certain policies will also cover costs of treatments that are not available on the NHS as of yet such as Avastin which has now been licensed as the very first targeted drug for ovarian cancer. Avastin will not be used on the NHS market until 2013. However, numerous insurance providers’ policies offer to cover costs of all licensed cancer medication.

Of course having private medical insurance is not going to prevent you from getting cancer; however, it could prove beneficial with offering an accelerated diagnostic and treatment procedure.

Knowing your insurance

It is highly important to ensure that you are well informed of exactly what your medical insurance Florida policy covers you for as there are a number of different options on the market.

Arguably the most well-known is Private Medical Insurance (PMI) which will often cover consultations and a number of treatments allowing you to avoid NHS waiting lists. Insurance providers calculate premiums based on your health with age also playing a key factor. Therefore, a potential drawback of this policy is that it could be a costly option to older consumers or those in a poorer health state.

Another option which is typically more widely chosen is medical insurance Florida; a policy which pays a lump sum if you are diagnosed with certain life threatening illness such as multiple sclerosis, heart conditions, strokes and certain types of cancer. The illnesses covered with depend on the details of your individual policy.

medical insurance FloridaMany policies will cover conditions which are debilitating but not necessarily fatal. This could prove especially beneficial if the illness means that you are no longer able to work as the tax-free payment could be used to pay off mortgages or take leave while they recover.

Medical insurance Florida tends to be a more cost-effective option; however, it does not offer you the guaranteed private medical treatment of PMI.Check more info from http://kff.org/uninsured/issue-brief/the-coverage-gap-uninsured-poor-adults-in-states-that-do-not-expand-medicaid/

Another potential option could be Income

Protection policies which pay out a regular income to policyholders who cannot work due to poor health. Typically, the illnesses which this type of policy will pay out for do not have to be as severe as those of medical insurance Florida; therefore, one could potentially claim for depression, back problems and a range of other non-life threatening health issues as long as they have been signed off by a doctor.

Income Protection insurance could prove useful to those with dependents in order to ensure some financial security for the family in the event of ill health.

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