Tax Implications of the Affordable Health Care for America Act

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The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

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Assurant Names Healthcare Solutions Team Americas #1 Health Insurance Agency

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Lombard, Ill.Healthcare Solutions Team has been named Americas #1 Health Insurance Agency for a second straight year by Assurant Health.

The award was given to the Lombard, Illinois-based insurance agency based on the companys annual sales with Assurant Health. Overall in 2012, Healthcare Solutions Team had an annual sales volume of more than $83 million, which was a nearly 20% jump over the prior year.

Working with valued partners such as Assurant Health makes growth a realistic opportunity for our company, said Grant Born, principal at Healthcare Solutions Team. Our goal has always been to find the best health insurance coverage for families, individuals and groups while staying within their budgets. With the changes in healthcare reform, having a variety of plans to choose from has taken on even greater importance.

Its easy to succeed when given the right tools, said Joe Eichman, principal at Healthcare Solutions Team. Our agents really can find a plan for everyone.

He added that Healthcare Solutions Team is continually listening to top producers, looking for ways to help them improve their performance. The companys LeadMaster system is one such innovation that drives results.

Healthcare Solutions Teams LeadMaster is the most advanced lead and client management system the industry has ever seen, said Born. With fully integrated auto dialing, bulk texting and email functions, it has never been easier to manage and organize our clients and prospects while keeping them informed.

Eichman agreed: We have added to an already dynamic technology, which allows Healthcare Solutions Team agents to out produce any other agents in the industry.

When they excel, the whole company thrives, he continued. We nurture all of our agents so that they become true partners and our advocates in bringing consumers the best, most affordable health plans available.

Grant Born and Joe Eichman created Healthcare Solutions Team in 2007 and since then the company has grown into one of the countrys premier health and dental insurance agencies. Based in Lombard, Ill., Healthcare Solutions Team has agents across the country who provide personalized solutions and optimized plans to fit each individuals budget and needs. The companys goal is to make affordable healthcare accessible to everyone.

Assurant Health, part of Assurant (AIZ), a Fortune 500 company and a member of the S&P 500, is the brand name for a family of health insurance products focused on providing a variety of affordable plan choices to consumers. The companys portfolio of health care products includes major medical, supplemental and fixed-benefit plans for individuals, families and small employers.

In addition to being named Americas #1 Health Insurance Agency by Assurant Health for two years in a row, Healthcare Solutions Team was listed in 2012s Inc. 500|5000 and has been named Americas #1 Career Health Insurance Agency and Top Key Broker by UnitedHealthOne, as well.

For more information on Healthcare Solutions Teamincluding career opportunitiescontact Jackie at (630) 261-3000 or . Or, visit the companys website at www.HealthcareSolutionsTeam.com.

How to Maintain Healthy Joints

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How to Maintain Healthy Joints*

Joints are where bones, connective tissue and cartilage all come together in your body to promote movement. Your joint support system is responsible for sustaining the area around muscles and bones, where they provide shock absorption and support your internal structure.

There are many ways to encourage healthy joint function, like maintaining a healthy weight and enhancing your diet with well-established joint care supplements like Glucosamine, Chondroitin and MSM.*

As one of the most scientifically studied joint health ingredients available today, Glucosamine is naturally found within the joints, making it the ideal supplement for supporting healthy joints and connective tissue.* Glucosamine comes in two forms, Hydrochloride, and Sulfate, and lubricates the joints to improve mobility and flexibility.* Chondroitin is a naturally occurring nutrient found in connective tissue; in supplement form, it helps revitalize cartilage and support the structural framework of joints.* MSM is a natural form of sulfur, one of the raw materials for collagenwhich plays a key role in promoting healthy connective tissue.* MSM also synergistically enhances the benefits of Glucosamine and Chondroitin to support healthy cartilage.*

Maintaining a healthy weight for your height can help promote healthy joints and comfortable movement, since every extra pound you carry on your frame puts four times the stress on your knees.1

The health of your joints goes hand in hand with enjoying comfortable, easy movement as you age. As of 2006, about 46 million Americans which is nearly 1 in 5 adults have cause for concern when it comes to healthy joint function.2 Additionally, women are more likely than men to have concerns about their joint health; and the likely culprit is wearing high heel shoes. Research shows that wearing shoes with a three-inch heel can put seven times the amount of stress on your joints than shoes with a one-inch heel. 3,4

*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.

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The Benefits of Healthy Eating

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The Benefits of Healthy Eating

There are many great things about healthy eating including elevated energy and vitality. Among the reasons for starting a healthy eating plan, one of the most important things is weight control and protection from illness. What we feed our body and mind can have an enormous impact on how prone we are to sickness. Most obesity in children and adults can directly be traced to diets overloaded with the wrong type of saturated fats and higher glycemic load food items. We also have a tendency to consume far too much food, more than our bodies can use, which is why there is an overwhelming number of individuals with obesity today.

The good news is that the advantages of healthy eating are numerous. We can lower the risk of, and sometimes even reverse, a lot of of these illnesses by integrating a healthier diet plan based on a selection of nutritious meals from the National Food Guide.

Top Five Benefits of Healthy Eating

1. Weight Management – Whether you need to lose weight or you just want to maintain your weight in a healthy way, coming up with a healthy eating plan is the way to go. Those who follow drastic weight loss diets may possibly shed weight easily, but they tend to put it on just as rapidly, and may perhaps even end up with more fat than they initially started with. A healthy diet and lifestyle is the answer to natural weight loss and maintaining a healthy weight. 2. Protection from Disease Including Diabetes, Heart Disease and even Cancer – Many diet-related diseases can often be improved and sometimes even reversed with a nutritious diet plan. Doctors around the world agree that a healthier diet protects us against diabetes, heart disease, high blood pressure, high cholesterol and more.

3. Increased Vitality and Energy – Men and women who eat an unhealthy diet or eat at the wrong time of day often complain of being tired and fatigued. When you integrate a healthy eating plan, you will be amazed at the increase in the amount of energy you have throughout the day as well as the stamina.

4. Better, More Restful Sleep – In the event that you eat the the right foods at the proper times, you will find that you tend to sleep better. This is because the body is not busy attempting to digest and excrete toxins found in junk foods.

5. Improved Beauty & Skin Tone – By following a healthy diet, your body will be getting the nutrients it needs. You will be surprised how this shows up in your skin. When the skin is properly nourished and well-hydrated it is supple, has more elasticity and has a more even tone to it. A clear complexion is an indication that you are eating nutritiously.

So start today and reap the advantages of healthy eating. You will feel so much better and your body will thank you for it.

Fundamental Predictive Modeling For Health Care Industry

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As most of us know, health care industry is an ever-growing and many advancements are made by professionals related to this field just for providing the best care to patients. Of course, the increasing life span clearly shows the development of this industry. Not only the industry, but also its dependant trades is contributing a great share to the development of health care facilities to people. When it comes to big hospitals and even small clinics, which has facility for admitting patients, they will have to deal with a huge amount of data pertaining to the medical records of the patients. It is highly essential that the confidentiality of the data pertaining to the patients should be maintained. The data should be properly analyzed by the top management of the hospitals and they should preserve the same with the utmost protection. Here comes the help of healthcare data analytics services for hospitals and clinics.

Like data analytics, predictive modeling is also turning out to be important for this field. According to a research, it has been found that predictive modeling in healthcare has out-performed physicians in identifying the responses to treatment by cancer patients. Making use of this service, will make the hospitals to be more patient-focused. Some critics say that this service is offered with a view to replace physicians. But, the fact is that the purpose of this service is to give both the patients and the physicians, the power to make decisions in such a way that the best results can come out.

The organizations offering predictive modeling for healthcare professionals can take the past records of the hospitals and can build a world-class predictive model. There are some firms, who have already made their mark in this field and so when hospitals can contact these firms, they can provide better attention to their patients.

Generally, predictive analytics is classified into three types namely decision, descriptive and predictive models. Of these predictive models are highly essential because they can rightly judge the future outcomes. This is why these models were able to rightly identify the response of patients to medicines well in advance. When this service is available for health care industry, they can judge whether the medicine provided are enough to the patients or otherwise they will have to go for higher dosage.

Like predictive analytics, healthcare data analytics services are also highly essential for this industry for ensuring its further development.

Holistic Health Care Tips For Breast Cancer Patients

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The whole world comes to a standstill when someone comes to know that or she has breast cancer. Though there are many treatment procedures for the killer disease today, it becomes almost obvious that the doomsday is near. Leave alone the tremendous pain one has to bear with, the very fear of death makes living life an uphill task.

Adding complementary therapies in the form of lifestyle changes and alternative medicines to your treatment plan can help you feel better and improve your prognosis. Oncologists are of the view that when it comes to breast cancer, conventional treatment procedures like surgery, chemotherapy, hormonal therapy, and radiation are unavoidable. But adopting a few holistic health strategies offer effective healing benefits. Here are some health care tips that make living with breast cancer a bit easier:

– Acupuncture: Stimulation of certain points on body activates key portions of the nervous system, resulting in the release of body’s own pain-killers and a boost to immune system.

– Dietary supplements: Apart from vitamins, minerals, and herbs, taking antioxidant supplements like turmeric help to negate the side-effects of chemotherapy. Other dietary supplements that show promise to breast cancer patients include curcumin, vitamin D3, and Maitake mushrooms.

– Eat anti-inflammatory foods: Anti-inflammatory foods stop metastasis or spreading of cancer. Same is true for breast cancer. Eat more of salmon, walnuts, pumpkin seeds to prevent breast cancer.

– Follow a detox-diet: Adding dark leafy green vegetables to the diet keeps kidneys and liver, the two major organs of human body, working properly so they can eliminate the harmful remains of chemotherapy drugs after theyve done their job.

– Stick to organic diet: Pesticides used during farming of non-organic crops are xenoestrogens, which stimulate the development of hormone-dependent tumors. So, it is always advisable to go the organic way, and start eating pesticide-free food. Regular exercise: There is no alternative to regular exercise. Sticking to a daily work-out schedule keeps immune system working in proper condition and detoxify at regular intervals.

Nv Healthcare Immunization Coalition Drive Ends

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The last leg of the Southern Nevada HealthCare Coalition (SNHC)-sponsored Free Immunization Drive which began in the Fall and ended in the Spring, held its last free flu shots event on February 27 at the Greenland Supermarket on Spring Mountain Rd. in the citys Korea Town district.

The SNHC, comprised of the Philippine Medical Association of Nevada, Philippine Nurses Association of Nevada, Center for Disease Control & Prevention, and Shots4Tots, in coordination with the Southern Nevada Health District (SNHD) partnered with the Asian-American Chamber of Commerce to provide free flu shots to Asian American residents of Las Vegas and neighboring cities. All in all, the SNHC has provided free immunization to close to 1,000 residents from September 2010 when it began its annual drive till February 2011.

The Annual Immunization Drive started in September 2010 with a press conference with the Asian-American media to assist in disseminating the importance of getting flu shots before the onset of winter time. The press conference was initiated by New America Media (NAM) headed by its long-time executive director Sandy Close.

Then came a full Immunization Drive held at the Seafood City and Asian Seafood Market, Chaiya Meditation Monastery, and the Sikh Temple in Las Vegas from November till December; and at the Greenland Supermarket in February this year.

The Annual Immunization campaign benefits not only the Asian American communities but everyone who feels the need for flu shots to combat common ailments associated with winter particularly the seasonal flu epidemic.

The SNHC (or COALITION) is assisted by numerous volunteers from the medical professions such as nurses and doctors, pharmacists, and healthcare providers, students and youths and the media that provide coverage to disseminate information city-wide.

The last free flu shots event was attended by PMAN president Dr. Ben Calderon, Dr. Teresita Melocoton, Dr. Lynn Quisumbing, Sheila Rivera and Carolyn Seward from SNHD, Dr. Cristina Madison a pharmacist and professor with University of Southern Nevada who brought along her student volunteers Sarah Moore, Rachel Moore, Quynh Nguyen and Soyoung Eom, PNAN-RNs Fernando and Helen Ymson, Cynthia Narciso, Malou Richard, Sergio and Amelia Abella and their kids Allen and Adrian, youth volunteers Will Vicuna, Jr.,Ian Butler and Andy Luong, Vida Lin and the ever-present Nestor Melocoton.

Heart Healthy Diet Nuts

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Making nuts the part of daily diet is healthy for heart. Nuts have dull fats plus other vitamins. These are generally not pricey, easy to store plus superior because goodies. People enduring heart connected conditions should replace their less healthy goodies with nuts. This usually enable those to move their meals found on the route of heart healthy diet.

Studies have revealed which people, whom consume nuts because a part of their daily diet, claim which nuts helps with lowering down the low-density lipoprotein (LDL) also termed bad cholesterol in the blood. High LDL is the simple cause of cardiovascular problems./p>

The Food plus Drug Management allows the foodstuff companies to suggest which eating nuts usually minimize the chance of coronary heart conditions. Other connected advantages of eating nuts are

It reduces the chance of developing the clots of blood. These blood clots could cause fetal heart attacks.
It increases the entire health of arteries especially of its linings. Why of the belief of scientists is the dull fat content of nuts. Both polyunsaturated fats plus monounsaturated fats assists in lowering down the amount of bad cholesterol. Some types of nuts are high in Omega-3 greasy acids. Other heart healthy vitamins of nuts include

Fiber
Vitamin E
Arginine Arginine assists by improving the production of nitric oxide. This nitric oxide increases the of walls of arteries. It also makes them less likely to blood clots plus makes it more flexible.

Most of the nuts are healthy. But there are several that are healthier than others. These includes

Walnuts (because it contains the highest amount of omega 3 greasy acids)
Macadamia nuts
Almonds
Pecans
Hazelnuts Remember to not dip these nuts in salt, sugar or chocolate. This dipping usually rob the healthy heart advantages of these nuts.

It is also advised to consume these nuts in moderation. Though they contain many of the healthy fats still they are high in calories. It is far better to eat nuts as an alternative of saturated fats. The current regulations of diet suggest a person must eat around 2 ounces of nuts every day.

It is also recommended which when generating the diet plan incorporating nuts, the amount of meat plus dairy ought to be reduce. Otherwise the nuts will just add up to the total calories plus a fat. It is important to consume nut in moderate amount plus follow the remaining heart healthy diet.
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Healthy Parents Equal Healthy Children

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If you want healthy kids then the very first thing that you must do is begin by taking care of yourself. Most parents think that they can tell their children what to do and how to be and think little about the type of example they are truly setting for their little ones. Children begin learning very early and this is why they can walk and talk so early on. They act as sponges for information from the time they are born and it is for this reason that it seems to take them a little while to begin speaking. They are just too busy absorbing everything.

When it comes to being a parent the road isn’t a simple one. Good health begins at birth and most parents really dont give things such as obesity even the slightest thought during the first few years. As a matter of fact, who doesnt love a cubby, little bundle of joy, or the chunky legs of a toddler just mastering walking? Right? Well, your children are learning your habits very early on and therefore you must realize that everything you do is becoming a factor in everything they do.

Those that take parenting seriously and have a greater level of understanding not only want to improve their habits and make them healthier in an attempt to be a better role model for their child but they also want to do so with the chance of being able to stay around for longer in the life of that child. Healthier habits lead to a more productive, happier, and longer life and this is just a fact.

If you are planning on having a child or you are just becoming a parent then it is important to understand that you need to make the changes in your life that will make you a better role model for your child. Living your life in one way but telling your child to do another is a method of parenting that does not tend to prove very successful in the long run.

Healthy parents do equal healthy kids and if you want your children to get proper amounts of rest, eat fruits and vegetables, and remain chemical free then you should live your life that way. In the long run a healthier lifestyle will be something that will benefit you all. So perhaps having children does help to extend your life?

Healthcare Law Means Changes For Nurse Management Jobs

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A good example of the burdensome regulations applies directly to nurse management jobs. There is a provision in the law requiring medical facilities to allow breaks for employees who are also nursing mothers, in order to allow them time to express milk. For a nurse manager this presents a whole new set of problems.

For instance, the law states breaks must be “reasonable” in terms of length. But who decides what “reasonable” is? If one nursing mother can express her milk in 15 minutes while another takes 30, there will be questions about fairness and equal time. Then there’s the question of workers who have babies brought to the workplace to nurse rather than expressing milk and putting it in the refrigerator.

Just this one little regulation is already causing a lot of headaches for nurse managers. It provides further evidence that the health care overhaul is not all it’s cracked up to be.

Nurse Management Jobs Still Worthwhile

Despite the changes in the healthcare regulations, don’t be discouraged if you want to get into the healthcare field. Nurse management jobs are still very attractive for a variety of reasons. They offer excellent pay, a good working environment, and room for professional advancement.

Furthermore, working as a nurse manager brings with it a measure of personal satisfaction by being able to help make the lives of patients better. By your willingness to put your best foot forward your nursing staff will be encouraged to do the same and your patients will benefit.

You and Your Staff

To excel as a nurse manager requires a way of thinking that’s slightly different from what you did as an active floor nurse. In other words, before moving into management your primary focus was your patients. As a nurse manager you’re still focused on patient care, but you’re more focused on your staff as the vehicle to provide that care.

Nurse management jobs are therefore more about encouraging the success of your staff. When you’re nurses are doing well, so will your patients. When your nurses are not performing up to standards patient care will suffer.

Nurse Managers also have the added responsibility of representing their staff before upper management and other members of the healthcare team. This requires a certain amount advocacy which some nurse managers find difficult. Nonetheless, it’s part of building a solid team.

In the United States there is currently a significant shortage of nurses and nurse managers. There are nurse management jobs available in big cities, small towns, and through temporary staffing agencies. If you’re qualified and want to work, it’s out there for the taking.