Who is Responsible for Failure of Affordorable Care Act?

Obama with Officials

Medical Healthcare insurance is backbone of US. From past decades we have seen lots of changes in Healthcare Laws and many Healthcare Reforms were made in order to maintain sustainability of Healthcare Insurance. After becoming President of United States US President Barack Obama kept his focus towards growth of country. Obama introduces Obama-care for US people as Healthcare reform.

But insurance provider from the time Obama-care was introduced were against that and they kept saying that the these changes would disrupt coverage and increase premium for consumers.
Many insurance industry officials and state insurance commissioners expressed their frustration on Friday by saying that they were confused by President Barack Obama's assertion that the cancellation of millions of insurance policies occurred because a key provision of the Affordable Care Act didn't work as expected.

Many of don't know but there is widespread cancellation of policies in individual health insurance market roughly 5 million and counting. This is not only for Individual Medical Healthcare insurance policies cancellation but cancellations are occurring in the small group market also which covers businesses with between two and 50 employees.Medical Healthcare Insurance

Health Insurance Provides were saying this for years that the requirements in the law were going to mean that people couldn't keep their plans and they were  going to have to purchase coverage that was more expensive. And now everything said is coming true and people are acting as surprised.

The President is now accepting responsibility for Obama-care's dramatic roll down at new Conference. He repeated his pledge that " If you like your insurance, you can keep it."
Questions raised why he continued to say that when estimates from his own administration suggested millions of Americans would not be able to keep their insurance. For this Obama replied "There is no doubt that the way I put that forward unequivocally ended up not being accurate. It was because of my intention not to deliver on that commitment and that promise. We put a Grandfather clause into the law but it was insufficient.

So Mr. President proposed a solution that he directed to Healthcare insurance providers to keep on selling plans that don't comply with Obama-care for one more year.

This said Medical Healthcare Insurance Commissioners from California, Florida , Kentucky and North Carolina said they would move quickly to implement the President;s request. Many Healthcare Insurance Providers officials suggested this move is too late in the game to change the rules.

I don't know how successful will be Mr. President but I am sure after this failure he is going to learn new lesson for betterment's of People. 

Six Week Abortion Ban - North Dakota Positive Sign For Medical Healthcare Insurance

Abortion Legal or Illegal

About 61% of Americans support abortions within the first 12 weeks of pregnancy but support falls off from mountain, according to a January Gallup poll. About 64% of peoples said abortions during the second trimester of pregnancy should be illegal and 80% said abortions in the third trimester should be against the law.
As per Rubio “We have a vast majority of support among most Americans, irrespective of how people may feel about the issue of abortion". “We’re talking about five months into a pregnancy. People certainly believe there should be significant restrictions on that.”

A federal judge has temporarily blocked a recent North Dakota law that would ban abortions as early as six weeks — the earliest prohibition in the nation — calling the measure “clearly unconstitutional” and a “troubling law.”
“The United States Supreme Court has unequivocally said that no state may deprive a woman of the choice to terminate her pregnancy at a point prior to viability. North Dakota House Bill 1456 is clearly unconstitutional under an unbroken stream of United States Supreme Court authority.

What do u say about this abortion policy. Do you think abortion should be banned and if not then when women or family cannot opt for abortion. What is the safest time or legal time as per you that can go abortion. Share your views so that healthcare laws should be made in terms of abortion also. Which can lead to womens' safety and also better health.

US Healthcare - Trends 2013

In Previous year 2012 lot many things happened in U.S. health insurance industry. The Affordable Care Act (ACA) continued to charge ahead despite widespread controversies including a ruling by the Supreme Court and became charged with a fresh line of life when President Obama won his second term in office.

Last year we witnessed the rise of private health exchanges, payer-provider mergers, Accountable Care Organizations (ACOs), 2013 is now poised to see some important developments and new trends in the U.S. healthcare sector. Some of the landmark changes that are sure to gain dominance in 2013 include:


1. The Year of the State Health Insurance Exchanges – Although the ACA has declared January 1, 2014 as the official Go-Live date for state health insurance exchanges, both state and federal exchanges are expected to open for public enrollment in the last quarter of 2013. As current controversies and conflicts around health exchanges spill into 2013, exchanges are expected to remain the hot topic of debate throughout the year.

2. Increased Measures to reduce Healthcare Costs – Lot many Federal programs such as “Pay-for-Performance” and Medicare’s “Hospital Re admissions Reduction Program” sought to reduce healthcare costs in 2012 through improved efficiency and quality in administered care. With healthcare costs reigning at the top of the industry’s primary challenges, 2013 will likely yield stringent measures aimed at restraining growth in healthcare costs.

3. Growth in Private Health Insurance Exchanges – Private health insurance exchanges is gaining popularity in group markets, providing visible advantages such as increased flexibility in health coverage and higher predictability in costs as compared to ACA-mandated public exchanges that are still shrouded in uncertainties. Increased employer demand for Defined-Contribution Plans led to the launch of several private health insurance exchanges in 2012, with the trend expected to continue strong into 2013.

4. Surge in Employer-sponsored Wellness Services – With employers’ healthcare costs sky rocketing at alarming rates, employee wellness programs have been pushed to the forefront of health benefits. As employee engagement gains unprecedented popularity, insurance carriers and wellness providers are adapting their health benefit portfolios to encourage healthy lifestyles among employees.

Despite several nerve-racking events, President Obama’s healthcare law survived last year. As we step forward into 2013, the U.S. healthcare industry is expected to become fraught with increased activity as federal and state exchanges gradually emerge onto the U.S. landscape, private exchanges gain ground in group markets, Medicare and Medicaid receive an overhaul, and consumers get acquainted with the new, digital way of purchasing their health insurance.

The U.S. healthcare industry’s journey through 2013 will be a sight to watch as trends continue to emerge.

State Healthcare

US is covered with medical healthcare healthcare insurance. Medical Healthcare insurance is divided in different states and benefits sometimes differ between states.

States having medical healthcare healthcare insurance.


• Connecticut (CT)
• Delaware (DE)
• District of Columbia (DC)
• Florida (FL)
• Georgia (GA)
• Hawaii (HI)
• Idaho (ID)
• Illinois (IL)
• Indiana (IN)
• Iowa (IA)
• Kansas (KS)
• Kentucky (KY)
• Louisiana (LA)
• Maine (ME)
• Maryland (MD)
• Massachusetts (MA)
• Michigan (MI)
• Minnesota (MN)
• Mississippi (MS)
• Missouri (MO)
• Montana (MT)
• Nebraska (NE)
• Nevada (NV)
• New Hampshire (NH)
• New Jersey (NJ)
• New Mexico (NM)
• New York (NY)
• North Carolina (NC)
• North Dakota (ND)
• Ohio (OH)
• Oklahoma (OK)
• Oregon (OR)
• Pennsylvania (PA)
• Rhode Island (RI)
• South Carolina (SC)
• South Dakota (SD)
• Tennessee (TN)
• Texas (TX)
• Utah (UT)
• Vermont (VT)
• Virginia (VA)
• Washington (WA)
• West Virginia (WV)
• Wisconsin (WI)
• Wyoming (WY)
• American Samoa (AS)
• Federated States of Micronesia (FM)
• Guam (GU)
• Marshall Islands (MH)
• Northern Mariana Islands (MP)
• Palau (PW)
• Puerto Rico (PR)
• Virgin Islands (VI)

US Health Care Law

In US Health Care Law plays very important role . These are the laws passed or you can say approved by federal government to make Medical Healthcare/ Healthcare Insurance market work better for individuals , families, students , retired persons , old peoples . Almost covering each and every human being present in country .

As per new Health Care Law in US it protects consumers against worst insurance practices. After New US Health care law health insurance protections for all Americans moves forward. As per new Healthcare law in US issued they implemented five key consumer protections from the Affordable Care Act and makes the health care insurance market better for individuals, families and small businesses.

As per Secretary Kathleen Sebelius " being sick will no longer keep you ,your family or your employees from being able to get affordable health coverage".

As per these reforms all individuals and employees have the right to purchase health insurance coverage regardless of their health status.  In addition, insurers are prevented from charging discriminatory rates to individuals and small employers based on factors such as health status or gender, and young adults have additional affordable coverage options under catastrophic plans.

This final rule implements five key provisions of the Affordable Care Act that are applicable to non-grandfathered health plans:

Guaranteed Availability
Nearly all health insurance companies offering coverage to individuals and employers will be required to sell health insurance policies to all consumers. No one can be denied health insurance because they have or had an illness.

Fair Health Insurance Premiums
Health insurance companies offering coverage to individuals and small employers will only be allowed to vary premiums based on age, tobacco use, family size, and geography.  Basing premiums on other factors will be illegal.  The factors that are no longer permitted in 2014 include health status, past insurance claims, gender, occupation, how long an individual has held a policy, or size of the small employer.

Guaranteed Renewability
Health insurance companies will no longer refuse to renew coverage because an individual or an employee has become sick.  You may renew your coverage at your option.

Single Risk Pool
Health insurance companies will no longer be able to charge higher premiums to higher cost enrollees by moving them into separate risk pools.  Insurers are required to maintain a single state-wide risk pool for the individual market and single state-wide risk pool for the small group market.

Catastrophic Plans
Young adults and people for whom coverage would otherwise be unaffordable will have access to a catastrophic plan in the individual market.  Catastrophic plans generally will have lower premiums, protect against high out-of-pocket costs, and cover recommended preventive services without cost sharing.

In preparation for the market changes in 2014 and to streamline data collection for insurers and states, the final rule amends certain provisions of the rate review program.  And, HHS has increased the transparency by directing insurance companies in every state to report on all rate increase requests.   A new report has found that the law’s transparency provisions have already resulted in a decline in double-digit premium increases filed: from 75 percent in 2010 to, according to preliminary data, 14 percent in 2013.

In addition, U.S. Department of Labor announced an interim final rule in the Federal Register that provides protection to employees against retaliation by an employer for reporting alleged violations of Title I of the Act or for receiving a tax credit or cost-sharing reduction as a result of participating in a Health Insurance Exchange, or Marketplace

US Medical Healthcare Insurance Companies

Almost everyone in US think that they have " the best healthcare system in he world", as President Bush provide "best medical care in the world".

Near about twelve years ago the World Health Organization made the first major effort to the health systems of nearly 200 nations . In which Frace and Italy took the top two spots; the United States was a dismal 37th.

Despite this , it is doubtful that many Americans face life threatening illness and this can be treated elsewhere. US medical centres are the best medical centre in the world.

Top Medical Healthcare Insurance companies in US are mentioned below as per their Ranking .

Unitedhealth Group
Wellpoint Inc. Group
Kaiser Foundation Group
Aetna Group
Humana Group
HCSC Group
Coventry Corp. Group
Highmark Group
Independence Blue cross Group
Blue Shiled of CA Group
Cigna Health Group
BCBS of MI Group
Health Net of California
BCBS Of NJ Group
BCBS of FL Group
Regence Group
BCBS of MA Group
Carefirst Inc. Group
Wellcare Group
HIP Ins. Group
Metropolitan Group
Unumprovident Corp. Group
Universal Amer Fin Corp. Group
Lifetime Healthcare Group
BCBS of NC Group

Medical terminology - Healthcare / Medical Healthcare Insurace

There are number of Medical terms that are used by doctors, nurses and any other healthcare practitioners when we come across and we don't know what are they . These words have long list and they are very important that you must understand .Medical terminology is the collection of words and phrases used to describe medical procedures and diagnoses. If your medical provider uses a word you don't understand, make sure to get the answers you need. Because these are the services that may your Medical Healthcare insurance may cover or may not cover or may require pre-authorization or have limited benefits . In case you forget ask your medical provider what that word means you all can search on web or refer below as almost all the different word or medical terminology used by Medical Healthcare Practitioners are described below alphabetically. As everyone know in this scientific world everyday there is lot more inventions and discoveries happening medical terminology are also changing and keep on updating . There may be chance that some medical terminology may be missing but pages are kept under track review so that if any changes any updation comes soon they can be updated under the section which they belong to .


                                                Medical Terminology List 
                               

       

Medical Healthcare and Medical/Health Insurance

Now come big picture in Healthcare industry and this is Health Insurance . Many of us know something about Health Insurance but almost everyone has something that they may not know.

Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.


A Health Insurance policy is:

1. A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization). The contract can be renewable (e.g. annually, monthly) or lifelong in the case of private insurance. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national health policy for public insurance.
2. Insurance coverage is provided by an employer-sponsored self-funded ERISA(Employee Retirement Income Security Act) plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor. The specific benefits or coverage details are found in the Summary Plan Description. An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary’s decision can be brought to the US Department of Labor to review for ERISA compliance, and then file a lawsuit in federal court.

The individual insured person's obligations may take several forms:

Premium: The amount the policy-holder or his sponsor (e.g. an employer) pays to the health plan to purchase health coverage.

Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share.

Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service.  A co-payment must be paid each time a particular service is obtained.

Coinsurance: Instead of, or in addition to, paying a fixed amount a co-payment, the co-insurance is a percentage of the total cost that insured person may also pay.

Exclusions: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.

Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maximums. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.

Out-of-pocket maximums: Similar to coverage limits, except that in this case, the insured person's payment obligation ends when they reach the out-of-pocket maximum, and health insurance pays all further covered costs. Out-of-pocket maximums can be limited to a specific benefit category (such as prescription drugs) or can apply to all coverage provided during a specific benefit year.

Capitation: An amount paid by an insurer to a health care provider, for which the provider agrees to treat all members of the insurer.

In-Network Provider:  A health care provider on a list of providers pre-selected by the insurer. The insurer will offer discounted coinsurance or co-payments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.

Authorization: A certification or authorization that an insurer provides prior to medical service occurring. Obtaining an authorization means that the insurer is obligated to pay for the service, assuming it matches what was authorized. Many smaller, routine services do not require authorization.

Explanation of Benefits: A document that may be sent by an insurer to a patient explaining what was covered for a medical service, and how payment amount and patient responsibility amount were determined.

Foot and Public Healthcare - Medical Healthcare

Foot care practitioners

Care and treatment for the foot, ankle, and lower leg may be delivered by podiatrists, pedorthists, foot health practitioners, podiatric medical assistants, podiatric nurse and others.

Podiatry or podiatric medicine is a branch  devoted to the study of, diagnosis, and medical treatment of disorders of the foot, ankle, and lower extremity.  A Doctor of Podiatric Medicine (DPM), is a specialist qualified by their education and training to diagnose and treat conditions affecting the foot, ankle, and structures of the leg. Podiatric physicians have extensive background knowledge in human anatomy, physiology, pathophysiology, sociological and psychological perspectives, general medicine, surgery and pharmacology. Specialist podiatric physicians are podiatrists who are qualified by additional postgraduate training or fellowship training and experience in the specialized field.

Pedorthist is the title of a healthcare professional who specializes in the use of footwear and supportive devices to address conditions which affect the feet and lower limbs. They are trained in the assessment of lower limb anatomy and bio mechanics  and the appropriate use of corrective footwear – including shoes, shoe modifications, foot orthoses and other pedorthic devises. “Certified Pedorthist” is a title used by both the College of Pedorthics of Canada as well as the American Board for Certification in Orthotics, Prosthetics and Pedorthics . However, in many jurisdictions the practice of pedorthists is self-regulated; professional certification is voluntary.


Public Healthcare practitioners

A public health practitioner focuses on improving health among individuals, families and communities through the prevention and treatment of diseases and injuries,  and promotion of healthy behaviors. This category includes community and preventive medicine specialists, public health nurses, dietitians, environmental health officers, paramedics, epidemiologists, health inspectors, and others.


Dietitians are experts in food and nutrition. They advise people on what to eat in order to lead a healthy lifestyle or achieve a specific health-related goal. Dietitians work in various different capacities in the field of healthcare, food service, corporate setting, and educational arenas.

Environmental Health Officers (also known as Public Health Inspectors) are responsible for carrying out measures for protecting public health, including administering and enforcing legislation related to environmental health and providing support to minimize health and safety hazards. They are involved in a variety of activities, for example inspecting food facilities, investigating public health nuisances, and implementing disease control. Environmental health officers are focused on prevention, consultation, investigation, and education of the community regarding health risks and maintaining a safe environment.

Environmental health is a graduate career in most countries. The minimum requirements in most countries include an approved university degree program, field training and professional certification & registration.

For more information about other healthcare providers please read page Healthcare Providers.

Medical Healthcare - Dental Care

Dental care practitioners

A dental care practitioner is a health worker who provides care and treatment to promote and restore oral health. These include dentists and dental surgeons, dental assistants, dental auxiliaries, dental hygienists, dental nurses, dental technicians, dental therapists, and related professional titles.

Dentistry is the branch of medicine that is involved in the study, diagnosis, prevention, and treatment of diseases, disorders and conditions of the oral cavity, the maxillofacial area and the adjacent and associated structures, and their impact on the human body. Dentistry tends to be perceived as being focused primarily on human teeth, though it is not limited strictly to this. Dentistry is widely considered necessary for complete overall health. Doctors who practice dentistry are known as dentists. The dentist's supporting team – which includes dental assistants, dental hygienists, dental technicians, and dental therapists – aids in providing oral health services.

Lets take an example of Maxillofacial.
Oral and maxillofacial surgery is the surgical specialty concerned with the diagnosis and treatment of diseases affecting the mouth, jaws, face and neck.
Consultant specialists working in this area are variously termed oral surgeons, maxillofacial surgeons or oral and maxillofacial surgeons.

So this may come under dental care practitioners and can come under surgical also. This type of treatment are included in most of healthcare insurance policies and plan .

Dentist also encourage prevention of oral disease through proper and regular brushing of teeth and regular checkups. Many studies have proved that gum disease is one of the main factor in increased risk of diabetes , heart disease etc.

About the specialties of dentist different part of world have different opinions. Lets take about world's leading Healthcare Insurance country America (US Healthcare). They recognize nine dental specialties .
Public health dentistry
Endodontics
Oral and Maxillofacial pathology
Oral and Maxillofacial radiology
Oral and maxillofacial surgery
Orthodontics
Pediatric dentistry
Periodontics
Prosthodontics
General dentistry

Understanding Rehabilitation care in Medical Healthcare

Rehabilitation care practitioners

A rehabilitation care practitioner is a health worker who provides care and treatment which aims to enhance and restore functional ability and quality of life to those with physical impairments or disabilities. These include physiotherapists, prosthetic ,  occupational therapists, recreational therapists, audiologists, speech and language pathologists, respiratory therapists, rehabilitation counselors  physiotherapy technicians, prosthetic technicians, personal care assistants, and others.

A physical disability is any impairment which limits the physical function of one or more limbs or fine or gross motor ability. Other physical disabilities include impairments which limit other facets of daily living, such as respiratory disorders and epilepsy.

Types of physical disabilities

Mobility impairment is a category of disability that includes people with varying types of physical disabilities. This type of disability includes upper limb disability, manual dexterity and disability in co-ordination with different organs of the body. Disability in mobility can either be a congenital or acquired with age problem. This problem could also be the consequence of some disease. People who have a broken skeletal structure also fall into this category of disability.

Visual impairment is another type of physical impairment. There are hundreds of thousands of people that greatly suffer from minor to various serious vision injuries or impairments. These types of injuries can also result into some severe problems or diseases like blindness and ocular trauma, to name a few. Some of the common types of vision impairments include scratched cornea, scratches on the sclera, diabetes-related eye conditions, dry eyes and corneal graft.

Hearing impairment is the category of physical impairment that includes people that are completely or partially deaf. People who are only partly deaf can sometimes make use of hearing-aids to improve their hearing ability.


There are certain rules and regulation in this section under healthcare insurance benefits , which are predefined and are mentioned in their policy notes . Every individual must read these carefully and if in any case they have doubt over any note they may call to their Healthcare insurance providers and let them explain you . Normally there are certain limitations under this section like some dollar amount is payable or in a year up to  some dollar amount is fixed or in a year only one visit or one service is covered . There may be some other limitations or exceptions can be there depending upon policy or plan individual or group had chosen. 

Geriatric care under Medical Healthcare

One of the important section under Medical Healthcare is Geriatric care . Why this is important because in a family elder and disabled persons play important role . These people in a family require lot more care then another person . Medical Healthcare Insurance plans have their benefits. Once plan was taken under any medical healthcare insurance these plans are beneficiary to every family because these persons in family require some kind of treatment or care almost every month . If a person had to visit consultant or hospital every month we can think about burden in our pocket. So if this burden can be reduced in any way then this will bring bright smile in one's face . This can be done by taking Medical Healthcare Insurance plan.


Geriatric care practitioners

A geriatric care practitioner plans and coordinates the care of the elderly and/or disabled to promote their health, improve their quality of life, and maintain their independence for as long as possible. They include geriatricians, Geriatric clinical pharmacists, geriatric nurses, geriatric care managers, geriatric aides, and others who focus on the health and psychological care needs of older adults.

Geriatrics or geriatric medicine is a sub-specialty of internal medicine and family medicine that focuses on health care of elderly people. It aims to promote health by preventing and treating diseases and disabilities in older adults. There is no set age at which patients may be under the care of a geriatrician or geriatric physician, a physician who specializes in the care of elderly people. Rather, this decision is determined by the individual patient's needs, and the availability of a specialist.
Geriatrics, the care of aged people, differs from gerontology, which is the study of the aging process itself.  However, geriatrics is sometimes called medical

Differences between adult and geriatric medicine

Geriatrics differs from standard adult medicine because it focuses on the unique needs of the elderly person. The aged body is different physiologically from the younger adult body, and during old age, the decline of various organ systems becomes manifest. Previous health issues and lifestyle choices produce a different constellation of diseases and symptoms in different people. The appearance of symptoms depends on the remaining healthy reserves in the organs. Smokers, for example, consume their respiratory system reserve early and rapidly.[citation needed]
Geriatricians distinguish between diseases and the effects of normal aging. For example, renal impairment may be a part of aging, but renal failure and urinary incontinence are not. Geriatricians aim to treat any diseases that are present and to decrease the effects of aging on the body.


Sub-specialties and related services

Some diseases commonly seen in elderly are rare in adults, e.g., dementia, delirium, falls. As societies aged, many specialized geriatric- and geriatrics-related services emerged including:

Medical
cardiogeriatrics (focus on cardiac diseases of elderly)
geriatric dentistry (focus on dental disorders of elderly)
geriatric dermatology (focus on skin disorders in elderly)
geriatric diagnostic imaging
geriatric emergency medicine
geriatric nephrology (focus on kidney diseases of elderly)
geriatric neurology (focus on neurologic disorders in elderly)
geriatric oncology (focus on tumors in elderly)
geriatric pharmacotherapy
geriatric physical examination of interest especially to physicians & physician assistants.
geriatric psychiatry or psychogeriatrics (focus on dementia, delirium, depression and other psychiatric disorders)
geriatric public health or preventive geriatrics (focuses on geriatrics public health issues including disease prevention and health promotion in the elderly)
geriatric rehabilitation (focus on physical therapy in elderly)
geriatric rheumatology (focus on joints and soft tissue disorders in elderly)
geriatric sexology (focus on sexuality in aged people)
geriatric subspeciality medical clinics (such as geriatric anticoagulation clinic, geriatric assessment clinic, falls and balance clinic, continence clinic, palliative care clinic, elderly pain clinic, cognition and memory disorders clinic)

Surgical
Orthogeriatrics (close cooperation with orthopedic surgery and a focus on osteoporosis and rehabilitation).
Geriatric Cardiothoracic Surgery
Geriatric urology
Geriatric otolaryngology
Geriatric General Surgery
Geriatric trauma
Geriatric gynecology
Geriatric ophthalmology

Other geriatrics sub-specialties
Geriatric anesthesia (focuses on anesthesia & preoperative care of elderly)
Geriatric intensive-care unit: (a special type of intensive care unit dedicated to critically ill elderly)
Geriatric nursing (focuses on nursing of elderly patients and the aged).
Geriatric nutrition
Geriatric Occupational Therapy (part of Geriatric Rehabilitation)
Geriatric Pain Management
Geriatric Physical Therapy
Geriatric podiatry
Geriatric psychology
Geriatric Mental Health Counselor/Specialist (focuses on treatment more so than assessment)

To know more Medical Healthcare Insurance providers visit page Medical Healthcare Insurance - Healthcare Providers

Explain Maternal care - Medical Healthcare Insurance

Maternal care is the utmost care required when one individual or a person in family is pregnant and need maternal care . Most policies in Healthcare have limited coverage about maternity . But there are policies in Medical Healthcare Insurance who cover Maternity and this way covers Maternal care .

But the definition of maternal care is not limited . Maternal care includes lots of variable sections which are described below . So before taking any Healthcare Insurance plan one most know different aspects of Maternity care and same way Newborn Health also .

Maternal and newborn health practitioners

A maternal and newborn health practitioner is a health worker who deals with the care of women and their children before, during and after pregnancy and childbirth. These include obstetricians, obstetrical nurses, midwives (including nurse midwives), nurse practitioners, and others. One of the main differences across these professions is the training and authority to provide surgical services and other life-saving interventions. In some developing countries, traditional birth attendants, or traditional midwives, are the primary source of pregnancy and childbirth care for many women and families, although they are not certified or licensed.

Obstetrics

Obstetrics (from the Latin obstare, "to stand by") is the medical specialty dealing with the care of all women's reproductive tracts and their children during pregnancy (prenatal period), childbirth and the postnatal period. Many obstetricians are also gynecologists, meaning they perform in both specialties. In the United States, these physicians are commonly referred to as OB/GYNs.

Prenatal care

Prenatal care (also known as antenatal care) refers to the regular medical and nursing care recommended for women during pregnancy. Prenatal care is a type of preventative care with the goal of providing regular check-ups that allow doctors or midwives to treat and prevent  health problems throughout the  pregnancy while promoting healthy lifestyles that benefit both mother and child.During check-ups, women will receive medical information over maternal physiological changes in pregnancy, biological changes, and prenatal nutrition including prenatal vitamins. Recommendations on management and healthy lifestyle changes are also made during regular check-ups. The availability of routine prenatal care has played a part in reducing maternal death rates and miscarriages as well as birth defects, low birth weight, and other preventable health problems.

Prenatal care generally consists of:

monthly visits during the first two trimesters (from week 1–28)
fortnightly from 28 to week 36 of pregnancy
weekly after week 36 (delivery at week 38–40)
Assessment of parental needs and family dynamic

Postnatal care

Postnatal (Latin for after birth, from post, meaning after, and natalis, meaning of birth) is the period beginning immediately after the birth of a child and extending for about six weeks. Another term would be postpartum period, as it refers to the mother (whereas postnatal refers to the infant).
It is the time after birth, a time in which the mother's body, including hormone levels and uterus size, returns to a non-pregnant state. Lochia is post-partum vaginal discharge, containing blood, mucus, and placental tissue.

Understanding Mental Health - Medical Healthcare

 What is Mental Health and how this is related to Medical Healthcare or Healthcare Insurance ?

A mental health professional is a healthcare practitioner who offers services for the purpose of improving an individual's mental health or to treat mental illness. This  category includes psychiatrists (D.O. or M.D.), clinical psychologists (Psy.D or Ph.D.), clinical social workers (MSW or MSSW), psychiatric nurses, mental health counselors, professional counselors, pharmacists, as well as many other professionals. These professionals often deal with the same illnesses, disorders, conditions, and issues; however, their scope of practice differs. The most significant difference between mental health professionals are the laws regarding required education and training across the various professions.

Treatment diversity


Mental health professionals exist to improve the mental health of individuals, couples, and families. Because mental health covers a wide range of elements, the scope of practice greatly varies between professionals. Some professionals may enhance relationships while others treat specific mental disorders and illness. Often, as with the case of psychiatrists and psychologists, the scope of practice may overlap.

Most qualified mental health professionals will refer a patient or client to another healthcare professional if the specific type of treatment needed is outside of their scope of practice. Additionally, many mental health professionals may sometimes work together using a variety of treatment options such as concurrent psychiatric medication and psychotherapy. Additionally, specific mental health professionals may be utilized based upon their cultural and religious background or experience. These practitioners are linked under Healthcare insurance and if one has coverage under a plan of Medical Healthcare insurance they need not to worry about where to find these practitioners as they have their website and calling number from where they can get all the information. For mental health Healthcare Insurance had different plans which make plan worthy to people or group to take such plans.


Psychiatrist

Psychiatrists are physicians and one of the few professionals in the mental health industry who specialize and are certified in treating mental illness using the biomedical approach to mental disorders including the use of medications.
Psychiatrists may also go through significant training to conduct psychotherapy and cognitive behavioral therapy; however psychologists and clinical psychologists specialize in the research and clinical application of these techniques. The amount of training a psychiatrist holds in providing these types of therapies varies from program to program and also differs greatly based upon region.

                                            Specialties of psychiatrists

As part of their evaluation of the patient, psychiatrists are one of only a few mental health professionals who may conduct physical examinations, order and interpret laboratory tests and EEGs, and may order brain imaging studies such as CT or CAT, MRI, and PET scanning. A medical professional must evaluate the patient for any medical problems or diseases that may be the cause of the mental illness.
Historically psychiatrists have been the only mental health professional with the power to prescribe medication to treat specific types of mental illness. Currently, Physician Assistants and advanced practice psychiatric nurses may prescribe medications, including psychiatric medications. Clinical psychologists have gained the ability to prescribe psychiatric medications on a limited basis in a few U.S. states after completing additional training and passing an examination.

Collect information about clients through interviews, observations, and tests.
Act as the client’s advocate in order to coordinate required services or to resolve emergency problems in crisis situations.
Develop and implement treatment plans based on clinical experience and knowledge.
Collaborate with other staff members to perform clinical assessments and develop treatment plans.
Evaluate client’s physical or mental condition based on review of client information.

Medical Facility - Hospital/Care Center

What is Medical facility ?

A medical facility is, in general, any location at which medicine is practiced regularly. Medical facilities range from small clinics and doctor's offices to urgent care centers and large hospitals with elaborate emergency rooms and trauma centers. The number and quality of medical facilities in a country or region is one common measure of that area's prosperity and quality of life. In many countries, medical facilities are regulated to some extent by law; licensing by a regulatory agency is often required before a facility may open for business. Medical facilities may be owned and operated by for-profit businesses, non-profit organizations, governments, and in some cases by individuals, with proportions varying by country. An individual having Medical Healthcare insurance can visit these facilities if charges are high still they can avail services as Health insurance pays amount on behalf of them and only a small portion of money is to bear by individuals.

Types of Medical Facility.

Hospital:- 

Almost everyone know about what Hospital is . A Hospital is an institution for healthcare typically providing specialized treatment for overnight stays or in medical terms for inpatient. Some hospitals admit patients suffering from a specific disease or infection or are reserved for specific diagnosis or treatment or for specific age group . Now a days hospital are either run by Government or State or health organizations either profit or non profit or health insurance or by charities or by donations. Hospitals nowadays staffed by professional trained doctors , nurses , paramedical clinics . 

Health care centre:-

This is another important type of Medical facility which includes clinics, doctors office, which serve as first point of contact and normally they provide outpatient medical , nursing , dental and other type of care services.

Nursing home :-

Although almost everyone can have some idea about Nursing and if we add home in that you may get rough idea about what is this type of facility . This facility includes residential treatment centres i,e they have accomodation facilities and engage in providing short term or long term medical treatment of a general or specific nature which is not performed by hospital to inpatients with any of a wide variety of medical conditions.

Drug store :-

They are engaged in retailing prescription or non prescription drugs and medicines and other thype of medical and orthopaedic items . Normally these stores are regualted or based ib hospitals or clinics. But they can even you can see running privately and are usually staffed by pharmacist , pharmacy technicians and pharmacy aides. There even you can go and get you first aid in case of any emergency .

Medical Healthcare Insurance - Healthcare Provider

Healthcare can form significant part of countries economy . Healthcare is conventionally regarded as an important determinant in promoting the general health awareness of people around the world. Take example of this worldwide eradication of Smallpox in 1980 - declared by the WHO as the first disease in human history to be completely eliminated by deliberate health care interventions.

So in order to deliver modern Healthcare depends on group of trained professionals. This includes professionals in medicine, dentistry , nursing , allied health along with public health practitioners and community health workers who systematically provide personnel and population based preventive , curative and rehabilitative care services.

What is Healthcare providers and what they do?

A health care provider is an individual or an institution that provides preventive, curative, promotional or rehabilitative health care services in a systematic way to individuals, families or communities.

An individual health care provider (also known as a health worker) may be a health care professional within medicine, nursing, or a field of allied health. Health care providers may also be a public/community health professional. Institutions (also known as health facilities) include hospitals, clinics,primary care centres, and other service delivery points. The practice of health professionals and operation of health care institutions is typically regulated by national or state/provincial authorities through appropriate regulatory bodies for purposes of quality assurance. Together, they form part of an overall health care system.

These healthcare providers are linked under Medical Healthcare Insurance . When an individual or family or Group or a company takes Medical Healthcare Insurance they will get list of providers and their contact details and location . By this means Healthcare providers can be easily located and contacted . Which in turn very much helpful to one who is in really need .

Please read page Healthcare Providers for deep information about Health care Providers in Medical Insurance or Health Insurance

Medical Healthcare Insurance

Whenever we listen or read term Healthcare or Medical Healthcare or Medical Healthcare insurance we usually come up with thing some kind of health insurance which is of no use for us . The basic reason behind is that we in a year fall ill or prone to disease once or twice that can be treated only by our nearest physician or chemist shop or by taking some pills that also in cheap . So why to pay in this why to take Medical Healthcare Insurance which is costly and starts payment after some time.

But this wrong perception which we had in our mind . The terms Healthcare in Medical Healthcare Insurance  means:-
The prevention, treatment and management of illness and the preservation of mental and physical well being through the services offered by the medical and allied health professionals.

But still these things can be done if we assign local doctor living nearby to our house. Basic definition of Healthcare will not explain you why to take Medical Healthcare Insurance . The word Care in Medical Healthcare Insurance means a lot in our daily life .

Care is the one that mother do for a child, father do for family, government do for citizens, a good friend do to his/her friend and so on . Still care means a lot like services rendered by members of the health professionals for the benefit of a patient .

Admission care in the nursing interventions defined as facilitating entry of a patient into a healthcare facility.
Adult day care a Medical Healthcare services provided for adults with a disability or illness who need partial care and companionship during the day when family members are working or otherwise unable to stay at home with disabled persons.
Ambulatory care healthcare services that are provider on an outpatient basis.
Cesarean section care in the nursing interventions classification defined as the preparation and support of a patient delivering baby by cesarean section.
Emergency care defined as life saving measures in life threatening situations

Now the idea comes up in our mind why to take Medical Healthcare Insurance . This just like that visiting to dentist , you know you should do it but you avoid it till your last breath . Health insurance is an absolute necessity for every individual - young or old .

A Medical Healthcare Insurance is a way of ensuring you and your family against any financial contingency arising due to an unforeseen medical emergency. The average life span of an individual has increased owing to improved medical facilities and increased awareness about one's well being . However at the same time

healthcare and medical costs have also moved like rocket. Also there has been an increase in incidence of medical problems due to lifestyle like stress and eating habits.

You may also like to read Why you need Medical Healthcare Insurance? Please read