Ever want to go to a spa and just treat yourself? Many people do but then realize that they are maxed out on credit cards or probably will be a bit late in paying the bill as a result. It's very costly to maintain that look that was once for granted or just simply a given. Inner beauty may be truly on the inside but as you know people most often notice what they see or how things appear. It is good to take care of yourself on the inside and out, although things can get expensive. Once you get past 50, well hey you're only a half century young; things change and we must use all of the natural elements that are provided to ensure that we stay as young as that! A good way to do a quick facial is to use oils such as: juniper, peppermint, wintergreen and clove. You can combine them into a mixture and then put them onto your skin or face. You may want to test a small area so that you know how long to keep the mixture on your skin so that it does not become irritated. After you have finished testing the oils for skin sensitivity you can then begin to put the oils on your face or body and then wait until the oils begin to tingle and of course not begin to burn or hurt. After leaving the oils on for a few minutes you can gently remove it from your skin or face with warm water. As this removes dirt and other substances from your skin. As an alternative for other skin problems, you can use a small mixture of these oils on your skin for a few hours. This will remove dead skin and help the skin return to it's smooth texture. Facials no longer have to be expensive or just for the elite. Besides, when it's your money and every penny counts- the do it yourself facial is most often a good remedy!
Like many people these days, I have to save for retirement on my own. Yes, this means that the only thing the employer provides is gray hair. And I'd be a rich thing if I were to add all of that up. Anyways, CD's or certificates of deposit are still offered at many financial institutions including banks and credit unions. Back in the day CD's had very high interest rates and were very good purchases if used to retire. The problem now is that CD's no longer have those high interest rates and therefore after years of having retirement money in CD's you still do not earn a lot of money from them. When saving for retirement it is a matter of putting enough away and then once you do it becomes a matter of what you invest in or expect to get interest out of to increase. This has not been the situation in recent years. Social Security is not enough to retire off of and unless the US government plans to provide everybody over the age of 67 or even 70 with a government stipend account to help pay for food, utilities, rent, clothing, transportation ect., then citizens who plan on retiring here are in an awful bind if they are unable to save enough money to do so. You probably have asked yourself the same question, "How is a poor society beneficial to America?" Perhaps, it would make us more appreciative, patient(not for me), understanding, respectful and most of all thankful because money may not be everything, but we can't do without it. It could be said that in a way, America is morally bankrupt, cold and is without tolerance, so the lack of money eliminates the status of rich and poor because many people economically are in the same situation. Now if we put all of that aside for retirement "Hey, nobody noticed that they were poor!" This is a way of life and perhaps not very good for the economy, but sure people can live and do without many things, although the world has changed and some things are now necessities. What is needed? Well, we have a US department of treasury that allows people to buy bonds. I just wished that they would kick it up a notch. They can do this by raising interest rates on CD's and allowing them to be purchased alongside treasury bonds. For example: The US treasury sells bonds and then decides to offer CD's to assist in increasing one's investment portfolio. The CD's can be purchased like bonds in $25-$5,000 purchases. The higher the amount you purchase the higher the interest rate you get. Let's say for a $25 CD, the interest rate may be 0.5%, but if you were able to save up and purchase a $100 CD the interest rate would be 5.5% and so on as the higher the amount the higher interest rate. The good thing about the purchase of a CD is that one can buy them for 10,20 or even 30 years as the CD's will continue to earn interest and can be redeemed after 30 years. By allowing people to purchase what they can afford will allow them to have an alternative way of saving will help when it comes to retirement. Bonds and CD's can be purchased through the treasury department and used in conjunction with Social Security for retirement. No worries, you do not have to transfer any money to an IRA once you reach a certain amount, just contribute and when you reach the 30 year limit on your CD's you can redeem them just as you would bonds. This option gives you higher interest rates and will also allow for the redeeming of bonds when they mature to for the purchase of a CD. For example: if you want to cash in a bond after the penalty to do so has expired, you can use that money to purchase a CD with a higher interest rate. By doing so you can use savings money to buy bonds and CD's and then once you're able to cash in a bond you can earn even more money by using it to buy a CD. All those years of working-have something to show for with CD's from the US treasury!
It just gets to a point where you stop being upset about things such as health insurance. The premiums continue to go up and the adjustment or the tax credit may increase but you still end up paying more for the next years premiums. Having health insurance is a necessity but it comes at a very high price. Many physicians do not take Medicaid or Medicaid managed plans. As a result healthcare clinics that are designed to take any and every type of health insurance just like hospitals become filled with patients who have no other medical person or facility to go to for varied conditions or illnesses. There has to be a way to provide health insurance for everyone that is affordable in that the premiums don't cost you half a paycheck or the deductible amount is not one-third of your salary. For years working individuals have been paying into the Medicare system at 1.45%. Yes it is a tax and a very small amount compared to other taxes. This sort of insurance tax should have been the type of tax plan used to develop a national healthcare system, whereby as people are taxed along with their pay, this tax overall lowers their monthly premiums and deductibles. For example while a person is employed, they are taxed at 1.60%, this means that as long as they have paid this tax during their working years, their hospital premiums are free, and they will only have to meet a minimal deductible for hospital ranging from $0-$1,000 per year depending on the kind of plan they purchase. Inclusive of this of course is medical and that deductible can range from $0-$200 per year or so which also depends on the type of plan you choose to purchase. The withholding tax is designed to offset any otherwise exorbitant premiums and deductible costs. If there were a national system that withheld insurance taxes at appx. 1.60%, insurance subscribers who are not on Medicare or Medicaid(retired, disability, disabled ect.) will be able to purchase healthcare insurance without the high premium cost that currently exists. For example: Ms. Cheap dislikes the fact that she has to pay roughly half of her paycheck due to her healthcare premiums. This of course does not include the deductible or the co-pays that must be paid with almost each physician visit. According to Ms. Cheap's salary, she really cannot afford to use the health insurance. Even if she sought out a plan that was much less on a monthly basis, there would be more of a cost as a result of the high deductible plans for each health insurance. Ms. Cheap hoped that another way of doing this would be implemented. Ms. Cheap, wanted an insurance Czar, to implement a withholding tax at a certain rate. If this were done her salary would be taxed at a very small rate and Ms. Cheap could then pay a very low amount for a yearly deductible for hospital and medical and ultimately pay a lot less for a monthly premium for the cost of a national health insurance plan. This is because the withholding tax rate subsidizes the national healthcare insurance plan to make it affordable for all of those who purchase health insurance. Since Ms. Cheap and others would be taxed according to their income, this would make health insurance affordable for working individuals. As a result of the National Health Insurance Czar's plan Ms. Cheap's health insurance plan including hospital and medical yearly cost would be about as much as her current monthly health insurance premium plan cost. Yes, there needs to be some assistance regarding the federal insurace contributions act or FICA and it would be great if there were a National Health Czar to do so!
This is just awful. Patient's calling about EOB's and feeling threatened about subsequent payments and then of course you show them an invoice and it's like "Oh, I never got this, so I owe you money huh?" Yes, it is all a burden the actual task of a medical office especially when you have internal medicine and a "speciality" office. The reporting that all must be done to stay accredited "to ensure patients are getting optimal care" and now the billing. This can overwhelm the office staff, when there seem to be too few people to do the job. Medicare wants to do more by paying physicians money by "providing quality care" but it comes with the effort of reporting mechanisms that utilize EMR's or it can be done by using perhaps other billing systems who could be more tedious if all is not tabulated properly in that if what is in the EMR for billing reasons is not included in another billing software just designed to do billing then if can affect incentives although this is not to say it can't be done. The office staff in addition to their other duties may have a more difficult task at providing the necessary parameters for alternative payment methods or APM's which include this and maybe even more: PQRS, VBPM, MU and clinical practice improvements, manually to a billing facility so that payment can be submitted and generated to a physician's practice according to their medicare billing. Some physicians will be exempt from MIPS or merit based incentive payment systems because they have smaller practices and the actually payment begins in 2019. Hopefully, I will be in a more modern office one that I can design myself and inform the physicians I will be working for(yes, I feel pigeon holed, but either this or in one-hey you do what you gotta do). Anyways, I will be the advisor so to say about how a real medical office should be. This not only includes the patients but for the medical office staff who physicians really seem to thing boy "they can do everything." The problem here is that Medicare has been included with other traditional and non-traditional insurance companies, so that these companies can remain in business. As one ages or becomes disabled they become eligible for Medicare(red, white and blue) card. This means that those other insurance companies lose premium paying people. It becomes complicated because, do these MACRA incentives include all Medicare subscribers fom any type of Medicare based insurance company plan or are they just Medicare B(medical)? This presents a problem because due to the rather expensive supplemental plans, subscribers often choose a insurance plan from an insurance company as a medicare plan ie, Aetna Medicare. So if payment incentive is just based on Medicare part B and does not include other plans, then this drastically reduces what a physician can be eligible for due to how many patients actually have just Medicare B. What we really need is what is known as insurance link and by that I mean if the powers that be and those who are looking for all kinds of payment incentives for this and that to ensure that all is being done good by the patients; would just link the EMR systems(all of them) to a national registry that checks for eligibility and deductible, co-insurance for each insurer out there that would eliminate problem A. This way the front office staff/billing people can see what is owed to the office each day of a patient visit and then regarding problem B the actual break down of physician to patient performance can be listed according to PQRS, VBPM, MU and clinical practice improvements as these are done through the billing of each patient. So now within an EMR there are two new sections eligibility and MACRA : this will allow the front office staff to check a patient or select several patients to check or do a monthly, ckeck several months or a years worth of eligibility fo each insurance during the year and then do a MACRA check. It is important to note that a physician must sign off on their notes within two days and in doing so the MACRA portion within the billing must be completed or the physician will be unable to sign his or her note without it being done. This is precautionary so that all billing is complete and the results or indicators can be tabulated regarding eligibility, deductible and copayment and then into the MACRA section. Then all the overworked and underpaid front office staff has to do is to submit the eligibility and MACRA reports for the week to the billing clearinghouse for their specific EMR. The billing clearinghouse is responsible for posting payments to the patients accounts through the national registry which gets put into the EMR under the patients account. This way the billing gets done, the deductible co-insurance information is current and payment to the physicians gets sent electronically to them and most of all the MACRA information is automatically submitted and tabulated for physician incentive without causing too much of a burden on those people called the office staff. Get with it MACRA, how would you like to be all things to all people?
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