How to Choose a Major Medical Plan as Affordable Health Care Insurance

We have to pay for many things. For example – as if you need one – we pay for food, we pay for clothing, and we pay for transportation. Sure, we could grow our own food on farms, sew our own clothes from sheep, and get to where we’re going by walking – in theory. But when it comes down to it, we can’t do these things because we don’t have the skills, training, resources, or education to do them. Or, in the case of walking, we just don’t want to.The same is true for health care. In theory, we could take care of each other. So many people have become doctors – why can’t we all? In reality, not everyone has the skills, training, resources, or education to be doctors. And again, some people just don’t want to.Therefore, we pay for health care, just as we pay for so many things, and like so many other things, health care is expensive. When things become too expensive, many of us tend to cut a few corners here and there just to be able to afford whatever it is we’re paying for.One way to cut corners when it comes to getting affordable health care insurance is to purchase a major medical plan. Major medical plans cover just that – major medical needs. Surgeries, operations, serious emergencies – they’re all covered under a major medical plan. You may be wondering, “How could a major medical plan act as affordable health care insurance when it covers the most expensive health care procedures?”This is where we go back to cutting corners. A major medical plan cuts out routine visits to doctors and other “minor” health care procedures, so you’re only paying premiums for major medical care.If you’re looking for health insurance but can’t afford a regular policy, consider purchasing a major medical plan. After all, cutting corners is better than not having any health insurance.

The Integrated Health Care Pracitce – Commonly Asked Questions – Part 1

What is the benefit of forming an integrated health care practice?Many doctors are forming integrated health care practices in order to avoid delays in patient care. For example, your patient may have required medical treatment in addition to chiropractic care. Appropriately, you referred the patient to a medical doctor. In some instances the patient returned to you, in other instances the patient was lost for good. In all instances the patient was put to the inconvenience of having to make an additional appointment at another location for treatment. You and the medical doctor lost valuable time and energy playing telephone tag. Worse, the patient lost time waiting for the new appointment when he could have spent that time recovering.Who can own an integrated practice?Some states will only permit an MD or DO to own a medical practice. (For purposes of convenience all further references to MDs include DOs). Other states will allow a DC to be a shareholder in a medical practice only if a MD is also a shareholder. Some states (such as Florida), will permit anyone to own a medical practice (but not a chiropractic practice). The only constant is that only an MD may make medical decisions; if you are not a medical doctor, you may not interfere with the professional judgment of a medical doctor.Being a DC, how do I start an integrated health care practice in those states that permit only MDs to own an integrated practice?You may not own the medical practice but you can provide management services to it and you can lend money to it. In states that permit only MDs to own an integrated practice I generally I recommend that three corporations be formed: a funding company, a management company, and a group medical practice. The DC owns the funding company and management company and the MD owns the practice.What is the function of the funding company?The funding company makes a loan to the medical practice so that the practice has capital to pay for start up costs such as the purchase of equipment, salaries, lease payments, management fees, taxes, and for the purchase of the assets of the existing chiropractic practice.In order to make sure that the loan gets repaid, the practice gives the funding company a promissory note and a lien on all accounts receivables and other assets of the practice. The MD also gives the funding company an agreement that pledges the MD’s stock in the practice in the event that there is a default under the terms of the loan. The MD is not personally liable to the funding company.The practice pays monthly interest on the loan. The principal amount is due on demand. If the practice pays off the amount due under the note, the loan is satisfied and the funding company no longer has an interest in the practice’s assets. On the other hand, if the practice is unable to repay the loan when demand for repayment is made, the funding company may “call” the loan and “take” the shares in the practice in satisfaction of the loan amount due and transfer them to a new MD/DO.This situation is similar to a bank lending you money so that you can purchase a home. If you can make the payments, everything proceeds normally. If you cannot make the payments the bank may, at its option, foreclose on the home and take your home instead of the money owed. The bank is then free to resell your home to someone else.Where does the funding company get its money?The funding company is funded by you personally or by other investors.What is the function of the management company?The management company provides all non-medical services to the practice. It charges a fee for every act and/or service that it performs on behalf of the practice. Such services may include clerical duties, advertising, equipment rental, lease rental and other similar activities. The charges must be at a set fee determined in advance. These services and fees are set forth in a management agreement between the management company and the practice and must be for a period of no less than one year. The fees should reflect the amounts commonly charged in your geographic area for the particular services rendered.Under no circumstances should you charge a percentage. Many states consider the payment of a percentage to the management company by the practice to be fee splitting. Such a percentage payment could be construed as a kick-back under Federal law. This fee must be paid regardless of whether the practice can collect for its services. Your accountant can help you determine the fair market value applicable to your area.May I offer the MD/DO shares in the management company?It makes good sense to offer an equity position in the management company to the MD. Such an interest would give the MD a greater incentive to develop the potential of the practice.

Gambling Addiction Can Ruin You

Everyone in this world wants to make money; easy money is something that involves a hell lot of risk. Gambling is said to be the thing that can make you rich but can also make you bankrupt. When in Vegas people say nothing is better than the gambling casinos in Vegas. A place where a person might come as a pauper and leave with a money but what happens in a reverse scenario, a person that is supposed to be a millionaire might become a beggar. Gambling is a common thing with many people around who spend money on betting, some turn out to be the winners and some loose. A visit to a casino doesn’t mean that it is a bad habit, it is just the testing of ones luck. But a frequent visit to a gambling station would mean that you are addicted to gambling. The legal gambling industry is on an all time high in America. Where you get gambling casinos in your home town, and the Internet that seems to have made the world small.Gambling can be of various types such as at casinos, card rooms, mobile gambling, Internet and many various types of gambling that people are addicted to. Gambling involves a lot of stake where your money is put to the ultimate test of dragging in along more money but this might not turn out to be the case, and you might find yourself losing. Your luck is tested and said to turn negative, but it is not that you were unlucky. In fact you were foolish where you kept on losing even though there were no signs of winning and then you start cursing yourself by saying that you are a person that has all the ill luck in the world. A pathologic gambler will find problems such as family ones, debts, suicidal tendencies and many more. In order to triumph over your bad habit of gambling problem you can look for help from a hypnosis session that you can conduct your self.Gambling is looked upon as an illness that is chronic and progressive but can be treated with timely help. Hypnosis is said to be the solution to your problem as in the past it has treated many addictions such as alcohol, drugs, etc. Gambling is also stated as an addiction. One that is addicted by gambling can get help with hypnosis treatment. A victorious person or a businessman might have nothing left other than debts if he is a constant gambler. If you are a person who is addicted to gambling then you should look for the mp3 download. They are sought after by many people all around the world for its overall success to overcome gambling addiction. Mp3 downloads helps your stressed and anxious mind set free and stop doing wrong things and take in only things that which have positive results. These will calm your nerves and enable you to perceive life with a correct approach. It helps you control and stop your inkling towards gambling