Cash Only Family Practice Pros and Cons


In a world where plastic reigns, the idea of a cash only Family Practice sounds almost antiquated.
The truth is that more physicians and health care providers are taking a serious look at the cash only business model.
Cash Payment Methods

The phrase “cash only” means that all services are paid for at the time of treatment. The Family Practice adopting this payment method usually accepts payments of cash, debit card, check or credit card. Why are some Family Practices giving serious thought to cancelling health care contracts and adopting cash policies?

With the cash only method, the Family Practice does not file insurance claims or other such paperwork. Avoiding insurance paperwork, filing, and billing means there is no need to pay a staff member to process insurance claims and forms. There’s no need to invest in software to track collections and insurance claims. Overhead is greatly reduced.
Potential Problems with Cash Only

Some health care plans prohibit physicians from serving members of the health plan if that physician has recently terminated the contract between the insurance company and the physician.

State insurance regulations must be taken into consideration. Medicaid rules regarding the cash only Family Practice should be carefully reviewed. Most Family Practice physicians who choose to go “cash only” opt out of Medicare. Doing so involves completing several steps of Medicare rules and regulations.

Questions to Consider with Cash Only

Family Practice physicians and health care providers considering the cash only basis should first decide if doing so would put the practice at severe financial risk or even end it. If the practice is operating in an area with large numbers of patients who are uninsured, the cash only system may work quite well.

How do current patients feel about the switch to a cash only method? If too many of the current patients are not willing to stay with the Family Practice, more thought and consideration should be given to the idea.

Consider services and fees. What services will the Family Practice offer? What will be charged for each service? It’s also important to take the hospital into consideration. Will patients in the hospital be seen by the Family Practice physician(s) or will in-hospital care be managed by the referred medical professional?

Meeting Financial Responsibilities and Setting Up Fees

How will switching to a cash only basis affect the Family Practice bottom line? How hard will it be to pay bills and maintain cash flow during the transition? Calculate all overhead and expenses. How many patients will the Family Practice need to see in order to cover current overhead?

How much money will be saved by switching to the cash only method? How much time and staff expense can be cut by making the change? It isn’t unusual for a Family Practice to make the switch to cash only to find more patients can be seen, quality of patient care does not suffer, and the bottom line improves.

The cash only management method of Family Practice is worth considering. It isn’t for every practice but when it does work, it tends to work very well.

Avoid Future Problems By Following These Tips When Shopping For Health Insurance (2)

Avoid Future Problems By Following These Tips When Shopping For Health Insurance


Making the investment in health insurance can mean the difference between being able to provide medical care for your loved one or sinking into debt and losing everything over a serious illness or accident.
This article can help demonstrate the importance of insurance and how easy it can be to get.

Consider high deductible health insurance policies. If you are young and healthly with no family history of serious health problems, a high deductible health insurance policy could be suitable for you. These policies make health insurance coverage much more affordable, but make should that you are aware of medical problems which aren’t covered by the policy.

To stay in good spirits and boost your immune system and your mental health, remember to sing. When you are alone, out walking, riding your bike or taking a shower, just lift your voice in song! Your spirit is sure to follow, and that has great benefits for your overall health.

If you fear being laid off from your job, you may consider enrolling in a plan with a low premium. Since the government program that offset much of the cost of COBRA has ended, continuing your insurance coverage in the event of a layoff would come entirely from your own pocket, which could prove very difficult if your premium is high.

Before choosing an insurance plan, make sure you understand your needs. Look at your medical history: what kind of services do you use the most? Do you have recurring issues? Do you travel often? Once you have a better idea of what kind of coverage would save you money, you can choose a plan wisely.

Choosing the right health insurance for you and your family is going to make quite a difference in your health care and the affordability of it. If you take the time to compare policies before you enroll in a plan, you are going to find the one that is going to cost you the least while covering the things that need to be covered.

If you and your spouse are both offered health insurance coverage through your employers, review both policies carefully before making a decision. You may save money by going with just your policy, or just your spouse’s. It also might be less expensive to insure each of you separately.

Deducting your health insurance premiums on your taxes can help save you a lot of money. If you’re self-employed, you can deduct the cost of your premiums on your taxes. This reduces your adjusted gross income so that your tax liability will probably be lower. You can do this whether you itemize deductions or not.

Be aware that certain health insurance companies will not give you insurance if you have serious pre-existing conditions. This is because they look at you as a liability. If this happens, search the internet or ask family friends if they know of a health insurance company that will provide you with insurance.

It has been stated above that just one catastrophic illness or tragic accident can put your family on the road to financial ruin. If you study the above article on heath insurance and take the advice you, will see the wisdom on investing in your family’s health and financial security by getting health insurance.

Family Health Insurance Assistance Programs


In most “first world” countries like England, France, and Canada; every man, woman, and child receives basic health care from the government.
This makes the business of private health insurance redundant in those countries. However, in America things are a bit different. In the United States, many citizens do not have health coverage at all due to the high cost of medical care and the rates and premiums that the private corporations offering health insurance charge their customers. This means that many people can not afford to see doctors as often as they should for routine care, do not get the prescriptions they need to be fully functional members of society, and struggle to get back on their feet after the financial blow of a necessary surgery or other emergency medical procedure.

As a way to put an end to this situation, many places in America offer special assistance programs that help low income families get the health care coverage they need. Families that are living below the poverty line can often get health insurance at lower than market rates through the health department of a state, city, or county. Depending on the specifics of a given situation and the rules of a particular program, families that have income well above the poverty line can qualify for at least some level of financial assistance. To find out if you and your family may be able to get the care you need at prices that are more affordable than what you are paying today, spend some time on the website of your local branch of government. Many large cities and most states have all of the details of their eligibility requirements for family health insurance assistance programs available online, and some even allow you to print the necessary paperwork for your application right off the web.

Although the United States may not have the kind of comprehensive, government-run health coverage for all of its citizens that other countries have opted for, in most places there are government sponsored programs that help those who cannot afford to pay for their own medical care at market rates. Even people who don’t qualify for this kind of subsidized care can take advantage of the free clinics that operate in most major metropolitan areas. Different clinics offer a wide variety of services that range from pregnancy testing to flu shots; so if you are looking for a way to avoid paying steep hospital bills consider what the clinics in your area may be able to offer you. The combination of subsidized family health insurance and free clinics means that almost every family in America can afford at least some level of medical attention.

Marketing the Family Practice

Successfully marketing the family practice can be done by several different methods. The best methods are those that fit the practice style, the community or city the practice operates in and any that show measurable results.

Internet Marketing for Family Practice

The Internet is becoming more and more available, even in rural areas. Every family practice should have at least a webpage, if not a website, representing the practice online. The website should reflect the style and tone of the family practice. Practices where younger patients are seen will probably want to use a younger style in web design. For practices focusing more on older or even elder patients, the website tone should probably be more classic.

Ideally, the family practice homepage should be simple and to the point. Added pages can target the different age groups, different treatments offered, and other such divisions. This way, the page about pediatric treatments can be more child friendly. Teens are a class unto themselves and pages targeted toward teen patients should include more technology, even video or audio.

Every page of the website should include not only contact information but also a signup form for viewers to provide name and address in return for free health information and inclusion on the family practice email newsletter.

Email Marketing for Family Practice

Family practice newsletters can sent out regularly via email as well as being available in print form in the facility. Regular newsletters can contain health information, clinic news, customer news and appreciation information, games, trivia and more.

The newsletter should be specifically targeted toward those who will be receiving it. The tone should reflect the tone of the practice and the style should fit the community as well as the market. Family practices may wish to encourage user generated content by allowing comments and/or encouraging visitors to post tips, healthy recipes, etc.

Newspaper Marketing for Family Practice

In addition to standard newspaper ads, health information articles and blog excerpts linking to the family practice website or blog can be used. Newspaper readers who pay little attention to ads are likely to read articles or blog excerpts. A weekly column is another good way to market the family practice in local and area newspapers.

Professional Publications

Published articles and information in professional publications is a good way to build credibility and professionalism. Notice of such publications can be posted on the family practice website, blog and in newspaper announcements.

Community Participation

Family practices can greatly increase visibility by participating in community activities. In addition to joining appropriate clubs and organizations, clinic staff members can speak at area schools and daycares, participate in community fund raising events, parades and holiday celebrations and even sponsor community events. Providing tours for young schoolchildren can help ease the fear of physicians and medicine in young minds. Providing tours for older students who are considering careers and college is a good way to interact with the community and encourage education.

Branding Publications

The family practice can have standard health information booklets printed with the practice logo and give them away in the clinic, at the Chamber of Commerce, at health fairs, and other venues. Community health fairs are an excellent way to come in contact with potential clients.

There’s a multitude of ways and means to market the Family Practice. The best ways are those that fit the tone and style of the practice and fit the community or city where the practice is located. Marketing styles should blend well with the targeted population. Take the audience into consideration when looking at marketing methods.

How To Choose The Right Health Insurance Plan (2)

How To Choose The Right Health Insurance Plan

4267999445 e3a5daa8ba How To Choose The Right Health Insurance Plan (2)
Source: Flickr

These days navigating the health insurance marketplace is more difficult than ever. With constant changes and rising prices, finding the best coverage for you and your family can seem like an impossible task. This article can help you find the coverage you need at a price you can afford.

If you find that your health care and health insurance is overly priced, then you may want to try and bundle it with another type of insurance. Many insurance companies will offer discounts for people who get more than one type of insurance through the same company, and this can result in more money for you.

When looking to purchase health insurance for yourself and your family, it is a smart idea to consider affiliating with a group. This is a great way to save money as group insurance is usually cheaper than individual insurance. When you are on staff your employer is automatically able to get group rates. If you are on your own you can find a group. Alumni associations or trade groups may let you join for insurance purposes.

If you want to save money, you should choose an HMO plan. You will pay less every month, and very low or no deductibles. But you will be limited to a list of approved doctors and hospitals. If this list satisfies you, choosing an HMO plan is the best decision.

Before traveling overseas, check to see if your health insurance policy will cover you. Many policies do not cover you in other countries and therefore, most doctors will expect a cash payment when service is rendered. Purchasing a separate policy for travel can sometimes be a good idea. Discuss it with your insurance agent.

You may have to purchase separate coverage for some family members in order to keep the costs down. If you have someone in your family with a serious pre-existing condition, adding them into your normal family plan could mean a significant jump in your premium payments. You may be able to get separate coverage for that family member at a better cost than adding them on to the family plan.

The right medical insurance exam is one that does not take into consideration your past medical issues. There are plenty of old disorders that have been treated and cured, that do not have to be disclosed, if they are not an issue now. Make sure to get insurance from companies that look at your current health.

When considering a health care insurance plan from your employer, be sure to check if your prescriptions are still covered in the coming year. The supported brands and types of medication can vary from year to year. Also, always choose a generic brand if possible. Also be sure to see if there are any discounts such as having your prescriptions sent via mail.

The health insurance marketplace can be confusing for anyone, but if you know what you’re doing, it can be a lot easier to find a policy that works for you and your family. Revisit what you’ve learned from this article, and you’ll be able to get the coverage you need.

Challenges of Family Practices in Today’s Health Care System


All businesses face challenges and struggles but with today’s health care system and its complexity the challenges that family practices face are great and even numerous.
It is often difficult to maintain viability. Just attempting to generate the understanding of a family practice can be a struggle in itself.

There are many flaws in the health care systems that we have today. These flaws work in favor of family practice doctors if they are able to improve the results for patients. Family practices and family medicine in general are in need of a major overhaul. Family practice doctors will raise to the final victory as they display their deep concern for the patients overall well being.

Family practices are unique and a specialty all of their own. However, family practice doctors have wanted to remain unnamed and unlabeled along with a class of other specialists and physicians. Another big challenge and probably the biggest is the fact that family practice doctors have yet to gain the respect that they deserve. They are sometimes looked at as second rate doctors especially within their academic circle. Although it truly is a specialized field, it is generally not supported nor endorsed. Family practices and family practice doctors need to gain recognition and support because they have truly been the medical backbone for centuries.

Today, many people believe that family practice doctors are old fashioned and not equipped to handle newer medicine. That actually holds no weight within the medical profession itself.

Family practice physicians are experts in their own field. They handle common complaints, diagnose acute and chronic conditions, they promote health and prevent disease. Prior to the skyrocketing insurance premiums that doctor’s had to pay because of so many lawsuits; doctors performed some surgical procedures such as tonsillectomies, appendectomies, child birth, and other simple surgeries. No longer do many family practice doctors provide these types of surgeries and have to refer them out to specialists but can often provide the follow up care.

Another challenge that today’s family practice doctors face is the aging population and the “baby boomers”. These people make up a large majority of patients that are dependent on family practice doctors. Issues with Medicare arise as well with these challenges. Further, work is being done to make family practices more attractive as options available rather than focusing on what family practice medicine or doctors used to be able to provide they need to look into the future and see what family practice physicians will be able to better provide in the future.

Although family practice physicians have some difficult challenges to face with the health care system of today there are also many rewards as well. The relationships that doctors are able to establish with their patients and their families, the ability to offer the best in preventative care, flexibility and security, and being able to observe and assist in all facets of life are just some of the rewards that family practice offers to some doctors who are just not willing to compromise the true meaning of quality.

Easy as 1-2-3: Obtaining Health Insurance


Many people are often concerned about obtaining health insurance.
They are confused about their options or about how to obtain the best health insurance for them or their family. There are several ways to obtain health insurance, though, and some of them are not always obvious, but can be quite easy in the end.

Health insurance is commonly obtained through an employer. Nearly all employers these days offer some sort of “group” health insurance plan for employees. The term “group” simply denotes that there is a large group of people on the plan, which decreases the cost of the monthly premium for all members. These plans can cover yourself, your spouse, and your family, depending on the specific policy. Covering more than just yourself obviously increases your monthly premium, but the ability to cover your family inexpensively is a huge benefit. To obtain group health insurance through your employer, you should contact your human resources department or whoever is in charge of benefits in your company. You should be able to buy into the group health insurance plan at any time during your employment.

If you leave an employer who offers group health insurance without first finding other coverage, you can also use the COBRA law with your previous employer’s health insurance coverage. COBRA is a government act that allows you to continue coverage under your previous employer, though at a more expensive rate. If you had coverage for your entire family, COBRA will allow you to continue this full coverage for a certain period of time.

There are several million people in the United States who are unable to participate in any group health insurance plans, however. Health insurance companies do offer individual plans for those who do not have coverage through their employer, are self-employed, or are ineligible for government health insurance assistance, such as Medicare or Medicaid. Individual health insurance plans are more often than not very expensive in relation to group health insurance plans. These plans can also cover family members and spouses for additional costs. Finding individual health plans is not difficult. Almost all health insurance companies offer individual plans; you can now search online for individual health insurance plans. Some Web sites even allow you to compare pricing and details of plans offered in your area – much like shopping for car insurance.

There is also federal health assistance available depending on certain criteria. If you are over the age of 65 or if you have a disability or specific condition (detailed by the government), you are eligible for Medicare. Medicaid is another government health insurance program that is based on income. Overall, it is simply important to be covered, no matter how you go about doing it. Research your options of coverage and speak with a professional to find out more about the health insurance options available to you.

Winning The Family Weight-Loss Game

4844971659 421c6f27b2 Winning The Family Weight Loss Game
Source: Flickr

Is weight weighing heavily on your mind? If you or someone in your family needs to lose weight, you have lots of company: Nearly two-thirds of American adults and a third of American children need to lighten up.

Since the family is one of the most powerful influences on a child’s weight and health, a new book from Betty Crocker rallies family members to team up in tackling their weight concerns. “Betty Crocker Win At Weight Loss Cookbook” ($24.95, available where books are sold) maps out a game plan of simple steps that parents can take for improving their own healthy habits while allowing their kids to become more active and “grow into” a healthier weight. Parents are the role model and coach of the family team.

To ensure success for readers, Betty Crocker enlisted the assistance of a leading public health expert for winning strategies in this new book. An internationally respected researcher in weight control, James Hill, Ph.D., lends his best advice from years of counseling clients who have attained and successfully maintained a healthy weight. Hill is a professor of pediatrics at the University of Colorado, and director of the Center for Human Nutrition, which is funded by the National Institutes of Health. Hill is also co-founder of America on the Move, an initiative to help people avoid weight gain.

The family that plays together enjoys good health and has fun together. In becoming more active and enjoying a wide variety of delicious meals, any family can be “winners” and gain healthy habits for a lifetime. The new book provides realistic steps for any family to take toward better health.

What You Ought To Know About Health Insurance (2)

What You Ought To Know About Health Insurance


Selecting the right health insurance is one of the biggest decisions you will make in your life.
In order to know what to look for in a health insurance company you must educate yourself and learn about the health coverage provided by different insurance companies. Apply the advice from this article and you’ll have no trouble choosing the right insurance plan for you.

To find the most cost-effective health insurance policy for you and your family, think long distance. Look at how much your health coverage cost for the last year in total, including co-pays, dental, vision, prescriptions, and deductibles. Use these numbers as a base for figuring out what the best policy would be.

Increase out-of-pocket expenses. If you are in general good health, and don’t anticipate any large medical expenses in the near future, think about choosing a plan with larger out-of-pocket expenses most health insurance companies offer an option of reduced monthly premiums if you agree to pay a yearly deductible and co-pay for certain service and medications.

Health insurance is a very big issue now. It is an expensive item and most people would not be able to purchase full coverage on their own. Many companies no longer provide health insurance for their employees, or avoid it legally by hiring part-time employees as opposed to full-time.

A vital health insurance tip is to never abandon your claim just because it has been initially denied. Filing an appeal is always an option, and it is important to note that the denial could simply have been the result of a data error in the insurer’s computer system. By appealing unexpected denials, you have the power to receive every bit of coverage your policy is meant to provide.

When shopping for health insurance, carefully assess what kind of medical services you typically need or will need. If you are basically healthy and only need preventative health care services, your choice of insurance will be different from that of the person who needs routine treatment for a specific health condition.

You may have to purchase separate coverage for some family members in order to keep the costs down. If you have someone in your family with a serious pre-existing condition, adding them into your normal family plan could mean a significant jump in your premium payments. You may be able to get separate coverage for that family member at a better cost than adding them on to the family plan.

To lower the cost of your health insurance plan, make the most of wellness incentives. Many companies give employees cash bonuses to fill out a lifestyle questionnaire which asks about habits such as smoking and exercise. Obtaining a better score on the lifestyle questionnaire can lower the health premiums for all your company’s employees.

As stated in the beginning of this article, knowing what health insurance to buy really is a matter of proper education. It is critical to research what health plans are available in your price range and which health insurance plans suit your needs. Apply the advice in this article and you will be able to select the best health insurance plan.

Wanted: Health and Fitness, No More Articles

Your family is every important, and so are each family member’s health and fitness. That is probably why a lot of individuals are reading about family health and fitness whenever they have the chance; they read books, magazines, emails, newspapers, e books, and even articles. Almost all of the reading materials can be very confusing, too serious, too in depth, too long, or too complicated. But nevertheless, such materials contain what you need to know.

Unused information is worthless, so even if you found countless numbers of health and fitness information, it is of no good if you don’t use it. All your needed information about health and fitness are out there. Many experts, writers, and trainers have different things to say; so the best thing to do it to start having a health and fit family life now.

Here are simple steps that can help you in your struggle to attain a healthy and fit family life.

– Always eat a healthy diet. You might be aware by now of what a healthy diet is; and as parents, you should set an example to your children by eating healthy foods. If your children often see you doing just that, they will eventually follow your eating habits. You don’t have to be technical about your food preparation. With a little information about the different food groups and a little creativity in your cooking, you can give your family a healthy meal everyday.

– From breakfast to dinner, make sure that you eat foods rich in protein like red meat, turkey, chicken, eggs, cottage cheese, and fish. Proteins are important for your body because this maintains your muscle mass. Muscle mass is an essential key to excellent health and/or fitness.

– Fats can be very harmful to your body, but if you only eat the good fats in every meal, you’re on your way to a healthy and fit body. Make sure that stay away from saturated fats because it can do more harm to your body.

– You know the importance of getting a daily exercise. It would be best to have your own family exercise plan, encourage your children to join so that they will know the significance of exercising every day. You can start your exercise plan of about two hours for a period of five days. Try a lot of exercises and just make sure that you do it the proper way. Teach your children simple exercises that they can do on their own while you try other strenuous exercises.

– Talk to your family, especially to the children. Tell them of your good intentions, and that you’re bound to carry such goals. Once your family sees that you’re determined and serious, they will eventually support you.

The secret is to get all your family members involved in your quest for health and fitness. This is an activity that can only be realized if all of you worked together. Forget about the articles, books, etc. your search for health and fitness information is over. Act now and soon you can see that your family is already living a healthy and fit life. Thanks to your efforts your family can avoid health problems in the future.