Affordable Health Care
Are you looking to provide affordable health care for your employees? Finding small business health benefits appears to be getting harder and harder to do. This is due to the limitations placed on policies such as refusing coverage for conditions, which are pre-existing. Your employees must have coverage now for this reason. This can really put a dent in your budget though as health insurance premiums are very high. Thankfully, when it comes to small business health benefits, owners now have another option.
Own you own Private Health Insurance Plan
A Private Health Service Plan, under the Income Tax Act, allows a business owner to self-direct and administer a plan. The business owns the plan and the limits are based on your personal needs. You have control over which health cares streams you are interested in. The only limitation is that it must be considered health care as defined by the government. As you are the plan administrator, you are allowed to deduct all of the medical costs from the income of your business. There are no premiums and no percentage that you turn over to a middleman. You pay for any health care that is needed and reimbursement comes directly from your company.
Small Business Deductions and Medical Expenses
To ensure you classify small business health benefits the same way the government does; you must be familiar with the Income Tax Act. This act breaks down what is considered a medical expense by the government. Some items will require that you obtain a prescription from a doctor to prove that the expense is directly related to your health care needs. A list of Allowable Medical and Dental Expenses is offered by Revenue Canada to help you determine what qualifies and what does not. Choose a company to support you in setting a health plan that will also support you with understanding and managing your plan.
Advantages of owning a Private Health Service Plan
If you are looking for a way to provide yourself and your employees with the coverage that you want and need, this is a smart way to go. There are many advantages to choosing this option and all should be considered so you can feel comfortable knowing you are getting the health care coverage for everyone involved with your company. By doing so, you can attract better employees, ones who have confidence working for you knowing that their health care needs will be taken care of. As a business owner you get your benefits tax free as an employee benefit, lower the taxable income of your corporation, take a lower income from the company and reduce your personal taxes as a result.…
Affordable Health Care
Today, the New York Times reports Democrats are scrambling to prevent the predicted health insurance premium increases that are coming for millions of families as a result of their big government health care Insurance Reform overhaul. Just one month after becoming law, Democrats, “fearing that insurance premiums may shoot up in the next few years,” are attempting to “fix” the new law that they promised would make health care more affordable. Unfortunately, when it comes to fixing health care, Democrats invariably rely on giving the government more authority and control.
Americans and Congressional Republicans have repeatedly cited the rising cost of insurance as their number one concern related to health care, but after spending one trillion dollars, cutting Medicare by one-half trillion dollars and increasing taxes by over one-half trillion dollars, the Democrats’ health care reform overhaul law fails to make insurance coverage more affordable. The Congressional Budget Office (CBO) has repeatedly warned that the Democrats’ plan would increase health insurance premiums, something the Democrats now realize, as reported by the New York Times. Conversely, CBO predicted the Republican Alternative would actually lower health insurance premiums without increasing the deficit, cutting Medicare, or raising taxes.
Impact on Individual Health Insurance Market Premiums in 2016
Under Various Democrat Proposals According to CBO
Change in Health Insurance Premiums Compared to Current Law Projections
Senate Democrats’ Bill (H.R. 3590)*
House Democrats’ Bill (H.R. 3962)**
House Republican Bill (H.R. 4038)***
President Obama asserted that under the Democrats’ scheme, “you’re going to be able to get lower costs.” The President and Congressional Democrats also promised under the new law seniors’ Medicare would be unharmed, middle class taxes would not go up and the law would not increase the deficit. In the rush to score a political win, what else weren’t the Democrats being forthcoming about regarding health care reform?…
Before deciding on the best affordable health care insurance policy for you and your family, it is important to understand the basic points that you need to keep in mind before finalizing the one that is meant for you. The basic things are the amount of money that you have to pay and the amount of health insurance coverage that is provided in the policy.
First and foremost, you need to understand the amount of money that you would have to pay by way of deductibles, co-payments and co-insurance. You need to verify the amount of insurance premium that is required by you to pay every year and whether the amount fits in your budget.
Next, you have to see the amount of flexibility that is offered in the affordable health care insurance policy. In certain plans, you are required to visit a set of doctors as listed in the plan. You need to see whether you are satisfied with the list of doctors or whether you would wish to be treated from your own trusted doctors. If the doctors that are listed seem proficient and can be relied upon in time of need, then you can opt for the plan or you can opt for another option wherein you might have to pay some extra money but will get the choice to be treated from the doctors of your preference.
The policy should cover all the serious illnesses and accidents that could arise in future. You can avoid coverage for diseases that seem very unlikely. The policy should be such that in case you or any of your family members fall prey to any diseases or any accidents in the future, the policy should provide insurance coverage for the entire amount. You need to read the terms and conditions of the policy well. At times, there are hidden clauses that might be over-noticed but might later prove to be disadvantageous at the time of insurance claim. Hence, one must clearly understand each and every clause of the policy before signing on the dotted line.
You need to verify the credentials of the insurance company. It is always advisable to go in for reputed companies that carry goodwill in the market even if you might have to pay some extra premium in the bargain. There is no question of compromising on health. One must always take the advice of elderly relatives and friends before deciding on the company and the affordable health care insurance plan.…
Health insurance companies are posting billions of profit dollars every quarter on Wall Street. Between 2008 and 2011 while the US recession was at its worst, profits for the five largest health care insurance companies increased by 61%.
Insurance premiums continue to rise despite the increase in profits. Even worse heart disease and diabetes rates continue to grow at epidemic levels. Ask yourself the question – if a health insurance company is required to report quarterly profits, is that company motivated to pay for immediate required needs such as surgery and drug therapies, or is the company motivated to pay for wellness care which shows benefits in the long run? How can people who are in charge of reporting profits to Wall Street be in charge of deciding what will be covered in your health care plan?
The pharmaceutical industry is another great example of wasteful spending on prescriptions and therapies that don’t cure anything but instead deal with a symptom. If we individually took the approach of eating healthy and using nutrition for wellness and medicine, we might not need those expensive drugs that simply mask our symptoms because we won’t be sick. You may not feel immediate relief in a few hours, but with patience and consistency your symptoms will subside and the condition may even disappear for life. You will feel better and live longer.
For instance, when you are diagnosed with high cholesterol, what does the doctor do? The doctor will prescribe a statin or other cholesterol-lowering drug. The doctor may recommend that you change your diet, but I doubt that the doctor takes the time to fully explain what diet modifications would be needed in order to lower your cholesterol. Does the doctor recommend researching and changing your diet for six months and then deciding whether a drug is necessary? I mean diet changes beyond reducing your egg and beef intake. I was able to cut my cholesterol in half by eating vegan for just a few months. After those few months I added back some animals products, my favorites, slowly and one at a time and I am able to maintain my cholesterol level now with AÃ¯Â¿Â½ of the cholesterol prescription that I took for over 20 years. I was able to completely eliminate all of my other prescriptions through changes in diet, lifestyle, and physical activity. I’m saving hundred of dollars per month just because I don’t need the prescriptions.
Another great example is cancer therapy. Chemotherapy and radiation are the current favorite therapies used by doctors and I am not saying that these therapies are not needed in extreme cases and that they should not be used ever. But instead of waiting until you are diagnosed with cancer, you can try eliminating some animal products from your diet. If you eat 20% or less of animal products, you may cure a cancer you didn’t even know that you had and you may prevent cancer in the future. By animal products, I mean meats, flesh, dairy, eggs, anything that was an animal or comes from an animal.
If you still don’t believe me watch the movie Forks Over Knives. It’s available on the web, through streaming movie services, or rentals. I have seen people whose lives have been completely transformed by simply watching this movie, including some family and close friends.
You can learn how to eat and live for health and wellness on your own by researching topics on the internet or using a health coach. If you are limited in time, the health coach is the easiest way to get private or group instruction on healthy nutrition and lifestyle. It’s not nearly as difficult as you think it is.…
As more and more truth about the dangers of drug side effects and reactions is made public more and more parents are wisely turning to conservative, safe natural health care as an addition or even alternative to medical treatment. There are many who believe that it has to be either medical or natural but the fact is that both have their place and the approaches are not mutually exclusive.
Medicine and Natural healthcare are like two different tools in a tool box. Both useful, but each designed for a different purpose and each with strengths and weaknesses.
Most alternative healthcare options focus on putting your body in its most natural state so that your body can heal on its own. The biggest advantage of using natural health techniques is true disease prevention. This results in less sickness, longer life and a sustained higher quality of life. The primary weakness of natural health care is that it is not the best treatment option if you are in crisis and need emergency help.
The 3 keys to wellness via the natural approach are:
1) Optimal bio-mechanics including flexibility, strength, balance and posture.
2) Optimal bio-chemical factors in place such as good nutrition, detoxification and protection from commercial and environmental contaminates.
3) Ideal psychological/mental/emotional balance associated with good self-esteem, positive outlook and attitude and healthy relationships are key objectives.
These are the factors that produce excellent health, fast healing and high resistance to disease, not to mention enhanced performance and longevity.
Traditional Medicine’s strongest point is in the area of crisis care such as treating trauma, advanced infection, heart attack and stroke. The biggest weakness of the medical system is trying to design a drug or vaccine for every known symptom and condition. It is like the old saying what when you are a hammer everything starts looking like a nail. The sad reality is that most drugs are not only useless but dangerous as well resulting in the unnecessary deaths of over 200,000 Americans every year and organ damage (liver, kidney, stomach etc.) to millions more.
In the USA, the average number of prescriptions [drugs] per person, annually, in 1993 was seven and as of 2010 that number had doubled to an average of 14 prescriptions per person, annually!
The World Health Organization ranks the US healthcare system, which is primarily drug based, 37th in the world. We have this low ranking despite spending more than twice as much per person as any other nation in the world. Twice as expensive but ranked 37th overall!!
Now if you are having a medical crisis then our medical system is the best in the world and should, by all means, be sought out. But what if you are in the 99+% of the population who not experiencing a health crisis? That is when seeking out an experienced wellness doctor employing a natural health care system is the best solution.
The world’s largest non-drug natural primary healthcare system is the chiropractic profession. Whereas medicine is the study of disease and how to treat it, chiropractic is the study of health and wellness and how to regain and maintain it. Medicine sees health coming from the outside inward (mechanistic view) and Chiropractic sees health coming from the inside and expressed outward (vitalistic view).
Most medical doctors these days are familiar with the incredible safety and benefits of chiropractic and are happy to refer you to a chiropractor for care. Unfortunately there is still a minority of MD’s who have remained ignorant of all the positive chiropractic research and will even go as far as recommending against this extraordinary safe and effective form of treatment. WE all like to think of doctors doing what is best for their patients but the fact is that healthcare is also the way doctors feed their families. Competition in the business arena most definitely colors some doctor’s opinions of what is best and for whom it is best. The following research data may explain why some MD’s don’t like DC’s.
This is why some MD’s don’t like chiropractic!
Chiropractic Research Fact Sheet
Significant decreases in the utilization of medical services, and their attendant costs, were noted when chiropractors were used as primary care providers. In an Independent Physician Association (IPA) which permitted patients to select a doctor of chiropractic as their primary care physician, clinical and cost utilization based on 70,274 members over a seven year period demonstrated the following:
60.2 % decrease in hospital admissions,
59.0 % decrease in hospital days
62.0 % decrease in outpatient surgeries and procedures
85.0 % decrease in pharmaceutical costs compared to conventional medicine.
After surveying 2,818 respondents in 156 practices, a strong connection was found between persons receiving chiropractic care and reported improvement in health, wellness, and quality-of-life.
95% of respondents reported that chiropractic met their expectations and 99% wished to continue care.
Since its inception in 1895, Chiropractic care has a better safety record than any drug including even baby aspirin.
This year over 25,000,000 Americans will see their chiropractor for better health and wellness!
It is much easier to maintain your health and wellness rather than trying to regain it once it’s compromised. Chiropractic has been staunch supporter of modern wellness concepts for over 100 years now! Many of the recent medical “research breakthroughs” on wellness are old news to chiropractors.
If have not yet employed natural health care as part of your wellness plan there is no better time to start then when you are healthy and feeling great. A chiropractic consultation and evaluation is an excellent starting point.
WARNING! IF YOU ARE THE TYPE OF PERSON WHO ENJOYS SPENDING HUGE AMOUNTS OF MONEY ON EXTENDED HOSPITAL STAYS, HAVING PARTS OF YOUR BODY CUT OUT WITH A RAZOR SHARP KNIFE AND CONSUMING LARGE DOSES OF DRUGS then chiropractic care may not be right for you as there is a high probability that these activities will be greatly reduced by seeing a chiropractor!…
The more I read the less I understand the complex issues involving Continuing Health Care. The more I study, the more questions I ask, the more confused I become. I’ve watched videos of the lady who successfully won her battle for full National Health Funding and am so pleased she persevered with her long battle and eventually won her case. Why are so many people having such a bad time when they are least able to deal with it?
I look at my own elderly mother with such complex health needs. She can no longer walk and has to be hoisted everywhere. She cannot feed herself and even has tremendous difficulty drinking from a beaker. I was advised by a friend to apply for an assessment for continuing care. This was done in hospital without me being present and of course, as expected, she was turned down for a full assessment. To be honest I cannot even believe we were talking about the same person so have asked for a re-assessment now she is in a Nursing Home, but really do not hold out much hope of success. Everything seems loaded against it. Although the criteria is supposed to be the same throughout the whole Country now, it appears to me that everyone interprets the rules and regulations differently unless of course the case is fast tracked because of a terminal illness and even then, I believe, this is not always without complications.
When my mother was in hospital, although we all wanted her home, I was told by Nurses, Physio, Doctors and Consultants that there was no likelihood of her ever returning to her home as her needs would be difficult to manage. This would have been even more costly because she would need double-handed care in view of hoisting. There was no question of a residential placement and we were told that only nursing care would be appropriate for her needs. There seemed no way out and therefore pressure was put on us to find a Nursing Home. We were told this had to be done as a matter of urgency as she was now bed blocking!!! This was not an easy task and although self funding, we did not have much choice in finding a vacancy. In the end accepted a Nursing Home much further away than we wanted.
It seems that one minute we are told that continual nursing is a necessity and then when we ask for a Continuing Health assessment everything is stacked firmly against us. The rules on intensity, predictability etc always seem to be interpreted differently.
I know we have severe NHS budget cuts at present but why should these people have to suffer when at 90 years of age they have contributed so much throughout their lives to the NHS and the Country?…
As a concerned American citizen, I feel compelled at this time to express some strong personal convictions about what is happening in the United States right now with health care reform. In recent months and especially in the last few weeks, this has swelled into a big issue, almost rivaling the economic crisis in media attention and in many Americans’ minds. Why?
Well, for one thing, everyone recognizes that the U.S. health care system is in dire need of reform (and frankly, just about every other system in this country run by the federal government is in the same boat). The percentage of Americans who lack health insurance has grown substantially in recent years, medical costs have skyrocketed, and many people are not getting the health care they need. Health care is a complex multifaceted issue that involves both the public and private sectors and directly affects all Americans sooner or later. Thus, reform of this system is a big project likely to draw wide attention.
But more than that, health care reform is in the spotlight right now because the administration of President Barack Obama has made it a priority. “Health care reform can not wait, it must not wait, and it will not wait another year,” as President Obama famously declared near the middle of his first year in office. The president has been pushing Congress to quickly pass new legislation that would, with his signature, supposedly deliver better and more accessible health care to the American people.
I have to wonder, though: Why such a rush to health care reform? You can’t fix a broken system overnight, whether it’s the economy or health care. Reform is a major undertaking that requires careful research and accurate analysis of the situation, together with a generous period of honest public discussion and debate concerning short-term, medium-term and long-term measures that should be taken to correctly address the situation. Moreover, these elements of reform need the foundation of common moral and ethical guiding principles.
None of these requirements are being met in the current rush to draft and pass health care bills. As a result, U.S. health care reform is on the road to disaster.
So again, why this hurried effort by the Obama administration to enact health care reform? The administration has its reasons for hurrying. One is that they have a semi-secret agenda to accomplish, and this agenda collides head-on with the will of the American people. Whether the mainstream media will acknowledge it or not, there is in fact a fundamental issue even more important to Americans than the twin heavyweights of economic recovery and quality health care. That issue is the right to life of every human being, especially the most innocent and defenseless–the unborn child in the womb.
In Washington, health care reform is being touted merely as a ruse. It serves as a convenient vehicle to advance the Obama administration’s ever more urgent hidden agenda. That agenda is to increase federal funding of, and expand public access to, abortion. And this is the most important reason why health care reform has drawn the scrutiny of Americans right now.
The urgency of this semi-secret agenda from the viewpoint of its proponents becomes clear when we look at trends in recent years. Since 1993, the annual number of abortions and abortion providers in the United States has been in steady decline. U.S. voters across this country (a majority of whom are women) have built and continue to support a vast infrastructure of state restrictions on abortion, from parental notification laws to bans on state funding for abortions to sonogram viewing and waiting period requirements for pregnant girls prior to their scheduled abortion procedure. These laws, together with adoption, crisis pregnancy care centers and various outreach programs, have been wonderfully beneficial for women, for their unborn children and for society itself. Meanwhile, polls have confirmed that an increasing percentage of American citizens oppose the legalization of abortion through the Roe v. Wade Supreme Court decision of 1973. As of this writing, survey reports indicate that a majority of the American people are pro-life.
However, in Congress the overall trend with abortion has been moving in the opposite direction, especially since a Democratic majority came to power in 2006 in the House and Senate. In 2007 Representative Jerry Nadler and Senator Barbara Boxer introduced an infamous joint resolution deceptively named the Freedom of Choice Act (FOCA). The contents of this revolting abortion bill are so evil and frightening that it could only have come straight from Hell and been conceived by the Devil himself. It would have, at one stroke, demolished all state restrictions on abortion. Moreover, this draconian bill would have far surpassed Roe v. Wade in elevating abortion to the status of a “fundamental human right” subject to unlimited government funding and support. Apparently our Congressional representatives intended to remove every legal barrier and provide every possible incentive for Americans to murder their offspring.
So a rift has opened up between the American people and their federal government on the issue of abortion, and in the past few years this rift has been growing increasingly wider. The Obama administration may have given up on FOCA due to massive public opposition (thank God), but it is still bound and determined to enact at least some of FOCA’s provisions into law-for example, the sickening concept of “abortion coverage” as a “health benefit”-whether the American people support them or not.
And what is driving this wicked agenda to ram abortion down our throats? The answer is money. Abortion is still a big, $100 million-per-year business that makes a handful of doctors and companies in the U.S. quite wealthy. But with the gradual nationwide decline in demand for killing “services” and a fervent pro-life ethic among the younger generation of Americans, abortion providers face the real threat of going out of business altogether sometime within the next decade or two. Thus to salvage a sinking enterprise, the multimillion-dollar abortion industry has …