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More Patients Means Greater Demand for Medical Office Specialists

The demand for medical office specialists, administrative medical assistants and medical records clerks is going to grow by leaps and bounds over the next few years as the Affordable Care Act is fully implemented. The 200,000 people employed as medical office specialists today cannot possibly handle the 20 million new patients accessing the health care system due to the ACA, and hospitals and physician groups are already hiring medical office specialists to meet the demand. The rollout of the ACA is a major factor in the robust 31 percent job growth rate for medical assistants anticipated by the Bureau of Labor Statistics through 2020.

The duties of medical office specialists include patient intake, confirming patient appointment details, taking notes, as well as updating patient records and insurance databases. In many cases, administrative medical specialists also receive co-pays from patients, verify patient insurance and work with bookkeeping to file insurance claims.

You can get the education you need to become a medical office specialist at a local community college or vocational school or at an online school. Medical administration training programs typically take six to 12 months and you receive a certificate after completion of the program. A few schools offer administrative and clinical medical assistant training programs that require two years and result in an associate degree.

Your training program will include instruction in basic business practices and office procedures, as well as lots of practice in creating and maintaining a variety of electronic health records. Knowledge of EHR systems is going to be increasingly important for all medical professionals in the next few years, but medical office specialists in particular need to be familiar with EHR systems.

Medical administrative assistants who have earned a professional certification have an edge in landing a job. Certification typically requires graduating from an accredited training program and passing a comprehensive exam. Certifications for medical office specialists include the Certified Medical Assistant (CMA) program offered by the American Association of Medical Assistants (AAMA), the Registered Medical Assistant (RMA) program offered by the American Medical Technologists, the National Certified Medical Assistant (NCMA) program offered by the National Center for Competency Testing.

Medical records clerks are not required to be licensed in most states. However, medical assistants who have both clinical and administrative duties must be licensed in several states and municipalities.

The BLS reports that medical assistants as a group took home a median salary of $29,370 in 2012, and the top 10% earned more than $41,570. Many, but not all, medical admin assistant positions include benefits such as paid vacation, retirement plans and health insurance.

The influx of 20 million new patients into the healthcare system in the next few years means medical office specialists and related positions will be in great demand in doctor’s offices, clinics, nursing homes and hospitals across the country. Although medical assistants start near the bottom of the health care employee totem pole, hard-working medical records clerks have significant opportunities for career advancement. With experience, and maybe going back to school to get an associate degree in business or business management, you can be promoted to senior administrative assistant, and perhaps eventually move up to office manager.

Use the Best Health and Beauty Products For Your Body

Are you using the best health and beauty products for your body? Health and beauty aids are a billion dollar business with companies manufacturing hundreds of products every year. People are always in constant search for products to maintain and make improvements upon their body. With numerous amounts of cosmetics and health aids sold, some are not as effective as they claim and yet there some that do live up to their expectations.

What are the best products?

To find the best products, in regards to cosmetics, try samples available at most cosmetic counters and beauty shops. Try to get testimonials from friends and see if what works for them will work for you.

You might find some good products online and through network marketing cosmetic distributors. In your search, do take the time to read labels on products due to possible allergic reactions to the ingredients.

As far as health products, there are quite a few products on the shelves that can be beneficial to the body. These products can be found online, through independent distributors, pharmacies, and health food stores. If you are looking for generic and natural products, many are available through these channels. Most likely, samples will not be readily available to you. You will have to do your own investigating to find what products will work for you. As with cosmetics, be sure to read the labels and precautions before using. If you have concerns regarding a product check with Consumer Reports and by all means consult your physician.

Are the best products affordable?

There is the belief that if you want the best product available then you must be prepared to pay for the high cost of that item. For the most part, it does hold true though not all high priced products are effective to everyone. You can purchase generic products that can cut cost considerably from markup prices of brand name items. Discounted prices can also be found through independent distributors. Another choice but not as rewarding is purchasing the products when they go on sale. Rarely will you see products in demand sold at a discount.

What works best for you

Use products that are effective and giving you optimal results in return. Your search may or may not be what you expected but be diligent in your findings. Do not make sacrifices on your health and beauty, honor your body.

Retiree Health Care Benefits Continue to Decline

Employer-based retirement health care insurance benefits continue to decline, according to recent industry reports.

Many retirees have been able to rely on private or state employer-based retirement health benefits for supplemental health care coverage while on Medicare in the past, but this is becoming less common.

Employer-based health-related benefits can provide important coverage for the gaps that exist in Medicare programs. Additional coverage benefits can alleviate the cost-sharing requirements and deductibles associated with Medicare. Caps on the amount that can be spent out-of-pocket, often associated with supplemental coverage, are also often helpful for retirees.

Overall, supplemental retiree health and medical benefits sponsored by a private or municipal employer have helped many retirees cope with high medical costs often incurred in retirement.

The Kaiser Family Foundation recently reported, however, that the number of large private employers-considered employers with 200 or more employees-offering retiree healthcare benefits has dropped from 66 percent in 1988 to 23 percent in 2015.

Companies that do continue to offer retiree health benefits have been making changes aimed at reducing the cost of benefits, including:

Instituting caps on the amount of the provider’s financial liability
Shifting from defined benefit to defined contribution plans
Offering retiree health care benefits through Medicare Advantage plan contracts
Creating benefit programs through private health insurance exchanges

State employers have also not been immune to the trend, but the type and level of coverage being offered by most states is significantly different than retirement health care coverage being offered by large companies.

Unlike many private employers, state governments continue to offer some level of retiree health care benefits to help attract and retain talented workers, according to a report titled “State Retiree Health Plan Spending,” published by The Pew Charitable Trusts and the John D. and Catherine T. MacArthur Foundation in May, 2016.

With the exception of Idaho, all states currently offer newly-hired state employees some level of retirement health care benefits as part of their benefits package, according to the report. Of the states offering retiree medical benefits, 38 have made the commitment to contribute to health care premiums for the coverage being offered. State employers are, however, also making changes to the retirement health care insurance benefits they provide to state workers.

Significant among these changes for the states is at least one driving force-the Governmental Accounting Standards Board (GASB) now requires states to report liabilities for retirement benefits other than pensions in their financial statements. The changes were required from all states by the end of 2008. As a result, the increased financial transparency forced states to review the cost of their other post-employment benefits (OPEB) and address how they plan to pay for them.

Because retirement health care benefits account for the majority of the states’ OPEB obligations, many states have made policy changes to address the upcoming obligations. Factors such as date of hire, date of retirement or vesting eligibility, including minimum age and minimum service year requirements, are now being used by states to vary or limit retirement health care benefits.

Overall, from 2010 to 2013, the states saw their OPEB liabilities decrease by 10 percent from $627 billion after inflation adjustments. While this may sound contradictory, the declines are attributed to a slowdown in the growth of health care costs coupled with benefit modifications aimed at cost reductions.

To look at one state as an example, California’s recent budget revealed that health care benefits for retirees are costing the state more than $2 billion a year for an 80 percent increase over the prior 10 years. Although the situation recently changed, California was previously one of 18 states that had nothing set aside to cover its future retiree health care benefit costs of $80.3 billion.

It should be noted that retiree health care plans are typically funded by plan sponsors on a “pay as you go” basis, meaning that monies to pay current and future health care obligations are taken from current assets and not set aside in advance. This differs significantly from pension plans governed by ERISA, which are subject to funding guidelines.

In response to California’s unfunded OPEB liability, employees and the state are now paying into a fund for future retiree health care benefit costs. The state is also matching $88 million in employee contributions and paying an additional $240 million to prefund future retirement health care benefit costs. The changes are impacting retirees as well as state and private employers.

Overall, employer-based retirement health care benefits, once important for supplementing Medicare for retired seniors, continue to decline.

The Potential Impact of Eroding Employer-Based Health Care Retirement Benefits

Many baby boomers who are currently covered by retiree medical plans and plan to rely on future employer-paid medical benefits, are likely to be disappointed to learn that these benefit plans can be changed or terminated. ERISA-governed benefit plans typically contain a “reservation of rights” provision allowing the plan sponsor to change or terminate all or parts of the plan. Many private and state employers are reducing or terminating retiree health benefits due to the increasing cost of insurance premiums, rising health care costs, and increases in longevity.

Since the early 1990s there have been many cases where unexpected changes to post-employment pension and medical benefits have resulted in lawsuits. Typically, the key issue is the reservation of rights language and/or collective bargaining agreement language for employees who were covered by a union contract which referenced retiree medical benefits.

Beneficiaries who have questions about their retiree medical benefits should speak with their plan sponsor to learn about the specific benefits available to them and have a contingency plan for bridging their medical coverage to Medicare, if they are considering early retirement or want to better understand future benefits.

Diet and Food Affect Your Blood Pressure

If you are struggling with high blood pressure or heart disease there are many ways you can modify your diet and start to live a more health conscience lifestyle. The first thing you should do is try a Vegetarian diet. In this diet you will get many of the following:

* Calcium
* Magnesium
* Vitamin A & C
* Potassium
* Complex Carbohydrates
* Polyunsaturated Fat
* Fiber

All of these can have a great influence on your blood pressure.

Sugar can act as an aggravate, especially the common table sugar sucrose. Try to limit your intake of this. A diet high in fiber has been proven effective in lowering blood pressure; this diet will also help you reduce your cholesterol levels and even promote weight loss.

Eating plenty of fruits and vegetables is very important as well. Any diet that includes consuming fruits, vegetables, low-fat dairy foods and is low in total fat, cholesterol and saturated fat has proven to be effective in controlling
hypertension.

Many people use more salt than they are aware of. Maybe because some of us are just used to automatically salting our food unaware if it was salted when being cooked. (If eating out) Reducing your salt intake will also help immensely.

A diet high in potassium and low in sodium reduces your blood pressure rise by reducing the effect of adrenaline. If you reduce your sodium intake you must also increase your potassium intake.

There are some vegetables and spices that help control your blood pressure. Many of these are very common vegetables and spices so you may be helping your blood pressure and not even know it.

Onions’ essential oil is very beneficial. If you have two to three tablespoons of this essential onion oil a day, it could help reduce your systolic levels. Tomatoes are also a beneficiary to controlling blood pressure. They are high in GABA, a compound that helps control hypertension.

Broccoli has also been proven to benefits patients with heart disease, and carrots also have many compounds that do the same. Introducing these vegetables to your diet will do wonders for your heart. Even if you don’t suffer from heart disease or hypertension, it’s best to keep it at a safe level and take the extra precautions to get there.

Garlic and celery are also great to add to your diet. Garlic is good for the heart which you’ve probably been told before. Eating just one clove of garlic a day has been proven to be beneficial.

Whatever diet you choose or whatever foods you try to limit, remember you are doing it for your health. Many people learn to enjoy healthier foods as they get older. If you have any questions or concerns about your blood pressure get with your doctor. They will be happy to assist you and answer any questions you might have. Taking care of your health is very important and will make you feel much better.

Mountain Bike For The Bike With A Difference

A mountain bike is particularly designed for riding on uneven and bumpy areas. Most mountain bikes have fat knobby tires, which ensure extra traction and appropriate shock absorption. A full front and rear suspension is becoming more common in the recent models of bikes meant to run on mountainous surfaces.

Modern bikers are less fond of handlebars and extensions though some bicycles under this particular variety are provided with end bars on the handlebars. Wheels of mountain bikes range from 26 to 29 inches. The larger wheels have better rolling capabilities and helps in rotational weight thereby making slower acceleration aptly possible.

The Best Varieties Of Mountain Bicycles

Enduro Mountain Bikes

The weight of Enduros vary between 30 to 35 pounds. These bikes feature greater suspension travel, say about 150mm of front and rear travel. They have been perfectly designed so as to ride the rough terrains with ease and satisfaction on the part of the rider.

Downhill Mountain Bikes

These bikes provide 8 or more inches of suspension traveling. The bodies of these bikes weigh less, which make them more apt for racing. Downhill mountain bicycles have tough construction and as they have provisions like large, high gears, they are aptly suited for riding down out-and-out downhill trails and racecourses. Most downhill riding requires high-speed movement for which these bikes are provided with one chain ring, a large bush guard and a chain guide. In fact, Downhill Mountain biking is the most popular form of competition biking.

Dirt Jumping Bike

Dirt jumping bikes come in two types, Urban and Street Mountain bikes. These bikes are variable combinations of trial bikes like, BMX bike and freeride bike. This specific bike variety is extremely strong and possesses 0 to 4 inches of front suspension. They are mostly without any rear suspension along with fast-rolling, slick and semi-slick tires.

Some other significant bike forms include Cross-Country Mountain Bikes, Freeride Mountain Bikes, Trials Mountain Bikes, Single-Speed Mountain Bikes and North Shore Mountain Bikes.

Mountain Bikes – Monarchs Of The Mountains

Depending on suspension, mountain bikes can be largely classified into four different varieties:

1. Soft Tail Bikes – These are bikes with negligible rear suspension. These bikes are made active by the flex of the frames rather than the pivots.

2. Fully rigid bikes – Such bikes are provided with hardtail along with firm fork system.

3. Bikes having dual or full suspension – These machines on road come with front suspension fork and rear suspension along with rear shock and linkage. Such mechanisms enable the rear wheel move smoothly on pivots.

Hardtail Bikes – These bike varieties have frames without any rear suspension. More often, such bikes are provided with front suspension forks.

The contemporary bikes for mountains are provided with stronger and lighter frame types in addition to pioneering form and design. The built of these bicycles give way to forceful riding over rocks, logs, wooden bridges and fabricated ramps.

Some of the most notable and advanced companies who have come forward to introduce the up-grading models of bikes include Manitou, Rock Shox and Fox together with other notable makers. When you ride a bike, you are likely to make mistakes and the fault may not always be yours. Accidents and disasters can happen due to equipment malfunctioning or a wrong judgment as far as the rider is concerned. To put an end to such absurdities a number of companies have appeared on the scene with protective gears also known as armors.

Such equipments have been designed in a way so as to keep you absolutely safe from physical damages. The most significant upper body protectors for expert riders include full-face helmets, spine protector and backpack hydration system. Before unleashing the beasts on the craggy lanes, the makers of mountain bikes have indeed kept in mind the present trends and demands.