Tag Archives: insurance coverage

Latest Medicare Insurance News

Fact Check: Loebsack Targets Miller-Meeks on Medicare
The ad also references a tweet Miller-Meeks made, supporting a Medicare Premium Support program in Paul Ryan's 2012 budget proposal. That program would replace Medicare insurance coverage by giving Medicare recipients a fixed dollar amount to buy …
Read more on KCRG

Five Tips About Medicare Advantage
As a billing manager, I often found many senior patients were misinformed about their Medicare coverage. A lack of basic understanding would translate into delays, higher costs and added stress. Understanding five basic points could help such patients …
Read more on NerdWallet (blog)

Walmart Plans Health Insurance Shopping
The world's largest retailer plans to work with DirectHealth.com, an online health insurance comparison site and agency, to allow shoppers to compare coverage options and enroll in Medicare plans or the public exchange plans created under the …
Read more on CBS Local

Medicare Supplement Insurance-medicare Supplement Plans

Medicare Supplement Insurance

Learn about Medicare Supplement Insurance and what it covers. Medicare supplement insurance picks up the doctor bills that Medicare does not pay. It covers hospital care when Medicare coverage ends. And it even helps when Medicare has no coverage, for instance when you are traveling abroad.

How Does Medicare Supplement Insurance Work? It’s pretty automatic and problems are rare. Medicare pays 80% of a pre-approved rate for doctor services. Your Medicare Supplement plan pays the remaining 20%. Medicare Supplement coverage adds to Medicare’s coverage in most situations.

It’s easy to underestimate how much healthcare can

IPA Family Announces the Addition of SureBridge Insurance Products

Tampa, Fl (PRWEB) July 30, 2014

IPA Family, LLC, which is a member of The IHC Group, is excited to announce the addition of SureBridge supplemental insurance product solutions* to its expanding marketplace offerings. SureBridge supplemental insurance program is underwritten and administered by Chesapeake Life Insurance Company and currently offer up to 19 different products in 46 states nationwide.

IPA Family President and Chief Operating Officer David Keeler commented, “With the passing and implementation of ‘Obamacare,’ a.k.a. the Affordable Care Act (ACA), adding the SureBridge programs in conjunction with the supplemental insurance products we already provide through our internal IHC insurance carriers positions us to better serve the current and future needs of our ACA customers.”

IPA Family is proud that it is able to offer ACA compliant plans through some of the largest and most reputable insurers in the country. The SureBridge partnership will add vision insurance, critical accident, quick issue life insurance, non-insurance wellness products, and other solutions to the IPA Family product portfolio. Additionally, IPA Family represents three health insurance carriers through The IHC Group, which provide coverage for short term medical, critical illness, dental, fixed indemnity plans and its new Metal Gap supplemental series.

Keeler also added, “This special relationship allows us to collaborate with highly reputable industry leaders and, even more importantly, it provides us with the ability to equip our current sales advisors with enhanced solutions to market in states where we currently have no presence at all. As a result, we have immediate opportunities for high-level leaders who are willing to connect, invest and grow along with us.”

All sales advisors for IPA Family are licensed insurance producers. For more information about leadership opportunities with the organization, contact Dave Keeler to schedule an interview.

*Supplemental insurance products are not considered minimum essential coverage under the Affordable Care Act.

About IPA Family, LLC

IPA Family, LLC (IPA) is an established national marketing organization with a growing consumer direct sales agency numbering several hundred agents who distribute family and individual major medical insurance plans and ancillary products (including short-term medical, vision, dental, supplemental fixed indemnity limited benefit, critical illness, and hospital indemnity, and small group stop-loss) for The IHC Group, an organization of insurance carriers and marketing and administrative affiliates and the majority owner of IPA. In addition, it has begun to write major medical through well-known national insurance companies. IPA’s trained professional sales associates provide information and a product portfolio that can meet the needs of many small business owners and self-employed individuals and families. Headquartered in Tampa, Fl., IPA is accredited and has an excellent reputation with the Better Business Bureau (bbb.org).

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit http://www.ihcgroup.com.

Baby Boomer Community Could Stand to Lose Millions, If Not Well Informed on Medigap Plans and Healthcare

(PRWEB) July 17, 2014

Millions of individuals will turn 65 this year, and start their Medicare Part B. Turning 65 triggers the clock on the time seniors have to get their medicare supplement insurance plan without having to go through underwriting.

It is best for customers to buy a medicare supplement policy when they are first eligible because this “open enrollment” period allows the consumer to secure a plan without medical underwriting. Medical underwriting is when an insurance company reviews an applicant to make sure they are a “good risk” under the company’s acceptance protocol. This process includes thorough physicals, interviews and other tests that often eliminates people with even the most minor medical conditions making it difficult to acquire a plan.

Many people don’t realize they have limited time to get this coverage, without underwriting. They often find themselves in a situation where they have missed their window and can only apply for medicare supplemental insurance with a company that will make them go through the full underwriting process. If a person is ill or has standing conditions that would keep an insurance company from insuring them under their insurance policy, they surely would not want to miss an opportunity to get coverage without underwriting.

There are various incidents each day where seniors receive medical bills in excess of $ 4,000 with no way to pay for them. These people are now being denied supplemental plan coverage for current health issues in addition to already owing copious amounts for past medical expenses.

The insurance companies want save themselves money by insuring low-risk, healthy, individuals who will not likely need medical help. Being in this condition is the ideal time to acquire a plan, but when in perfect health, medicare supplement insurance coverage is not always a top priority, and often then circumstances of being over 65 does not place many people in an ideal state of health.

1-800-MEDIGAP compiles the best plan options and helps to remove the time consuming hassle of shopping around for a plan. 1-800-MEDIGAP has professional agents that are knowledgeable, insightful, and ready to give guidance on which plan options are best for specific situations. People shopping around for plans could spend hours trying to compare supplemental insurance plans on their own. 1-800-MEDIGAP is here to make the insurance search smother and less time consuming. No matter what insurance carrier a consumer chooses to go with, the facts are the facts. Don’t miss your opportunity to sign up for medigap supplemental insurance today.

Take advantage of the benefits of entering the golden age of over 65 and know what is available. Get the facts here.

More Medicare Enroll Press Releases

JCCC programs help students, caregivers 'demystify' Medicare

JCCC programs help students, caregivers 'demystify' Medicare
“The rules are just a lot more complicated with Medicare and the number of denials are increasing as Medicare tries to tighten down on its expenses,” Marting said. “A lot of the concepts we talk about in this class will be transferable to private …
Read more on Lawrence Journal World

Medicare Eases Rule For Hospice Patients
Medicare eased significantly on Friday, July 18, 2014 its rules for insurance coverage of medications for many thousands of hospice patients, responding to intense criticism from patient advocates and members of Congress. The new policy should …
Read more on Forbes

The Employee's Guide To Medicare
When you turn 65, you become eligible for Medicare. If you currently have health insurance through a past or present employer – or through your spouse, if you're married – how do you make the policies work together? First, you have to know how Medicare …
Read more on Investopedia

IHC Specialty Benefits Announces Record Visitor Traffic on healthedeals.com During First Half of 2014

Minneapolis, Minn. (PRWEB) June 25, 2014

IHC Specialty Benefits is excited to report the latest analytics from healthedeals.com, comparing website traffic between January 1-May 31, 2013 and the comparable period in 2014. The number of site visitors to healthedeals.com jumped 1,166% during such period. While health insurance product pages accounted for a majority of visits, articles and blog posts on healthedeals.com accounted for 25% of traffic alone.

How to Calculate your 2014 Obamacare Tax Credit was the runaway article, responsible for over 5% of all visits, and Your Guide to the Federal Poverty Level collected nearly 4% of all traffic. The Health Care Calculator came in third with almost 3% of traffic. Other top ranking articles included:

1. How the Affordable Care Act Will Impact Individual Premium Rates in 2014

2. 4 Top Apps for Organizing Your Medical Records

3. 10 Things to Know About Obamacare in 2014

“At the end of March, as open enrollment on the federal health exchange was set to close, healthedeals.com web traffic spiked,” said Brian Dow, Chief Operating Officer of IHC Specialty Benefits. “People are craving information and tools to make a decision about purchasing health insurance, which can be a complex process.”

Dow continued, “The analytics show that we are accomplishing what we originally set out to do. Our mission is to provide health insurance and supplemental products to individuals and families across the nation. Our goal is to be the leading health insurance resource for useful information, simple tools and quality products.”

About IHC Specialty Benefits, Inc.

IHC Specialty Benefits is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Products are marketed through general agents online, telebrokerage, advisor centers, private label and directly to consumers.

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company, American Independence Corp., Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit http://www.ihcgroup.com.

Find More Obamacare Best Press Releases

Nice Enroll Obamacare photos

A few nice enroll obamacare images I found:

SW 134 AV (Miami) – March 18, 2014 … Spanish language site, CuidadoDeSalud.gov …item 2.. Florida students assist with ‘Obamacare’ enrollment (Mar. 21, 2014) …
enroll obamacare
Image by marsmet534
The rear doors of the white van, striped in red and blue, were wrapped in yellow with black text in Spanish which translated in English to:

You can still subscribe to Obamacare
Apply today!
Qualify and receive calls
Totally free

……..*****All images are copyrighted by their respective authors ……..

… marsmet534 photostream … marsmet534 …


Thursday, April 3, 2014



Black text on white background




Common use/ Matt Drudge Twitter image


SW 134th Ave Miami, FL 33186


……item 1)…. Spanish language site, CuidadoDeSalud.gov …


Durante los momentos de gran demanda y para garantizarle la mejor experiencia posible, se le dará prioridad al orden de llegada para comenzar a llenar su solicitud electrónica en el Mercado de seguros.

La fecha límite para inscribirse este año y obtener cobertura médica: 31 de marzo

Actúe ahora y goce de paz y tranquilidad para usted y su familia — y ahorre dinero en cobertura de calidad.

…..item 2)…. Florida students assist with ‘Obamacare’ enrollment …

… FSU News … www.fsunews.com/

FSU News / section / News … www.fsunews.com/section/NEWS

img code photo … Anthony Rouzier helps Valentina Adarraga, 20


Anthony Rouzier helps Valentina Adarraga, 20, sign up for health insurance under the Affordable Care Act in Miami on Friday. / AP


Written by
Kelli Kennedy
Associated Press


Mar. 21, 2014 11:52 PM |


MIAMI — As federal health officials are aggressively courting young adults to sign up for health insurance with celebrity endorsements and social media campaigns, they are also getting significant help from the very demographic they’re targeting.

Busy medical, nursing and law students across Florida are getting certified as counselors and are staffing enrollment events as the March 31 deadline to sign up for insurance under the Affordable Care Act looms. Many of the students were active in outreach programs to provide medical and legal services in low-income neighborhoods, but being “able to sign up patients for health insurance and get coverage that’s more than just one time care really completes the circle,” said Ali Moody, a second year medical student at the University of Miami Miller School of Medicine.

More than 60 UM medical students went through a five-hour training to become certified application counselors and have enrolled more than 50 people since December. They’ve staffed several major enrollment events as well as manned tables daily outside their school, where they end up enrolling many low-income patients recently released from the nearby hospital.

University of Miami’s medical school places a strong emphasis on connecting students to underserved communities “so it’s natural to have them take an active role in getting the same patients enrolled in the Affordable Care Act so they get preventive care more frequently and keep them out of the emergency room,” said Donna Shalala, the school’s president and former Health and Human Services Secretary under President Bill Clinton.

Farther south at Florida International University in Miami, seven students were crammed around a massive conference table this week trying to sign up for health insurance on their laptops.

Law students Allan Zullinger, 28, and Anthony Rouzier, 27, hustle back and forth across the room, overseeing two and three enrollees at a time, all in various stages of the application process, explaining to a professor and his wife that they must use next year’s tax income to determine if they are eligible for a subsidy and telling a student that they may qualify for insurance under their parents’ plan because they are under the age of 26.

Rouzier frequently peers over Valentina Adarraga’s laptop, cheering her on, getting on the phone with federal health officials when her application stalls and explaining various health plans during the nearly three-hour long process.

The 20-year-old ultimately chose a silver plan with a monthly premium, thanks to a 9 tax credit. Adarraga, a full-time student, also works part-time as a beach attendant.

“It’s good to know I’m not going to be denied assistance,” said Adarraga, who has been without insurance for several months and recently couldn’t get treatment when she tried to see a doctor for serious migraines. She tried signing up on her own online, but wasn’t able to complete the process.

“We understand that it’s going to take people like us to make it work,” said Zullinger, who works more than a dozen hours a week enrolling people. “It’s an experiment almost and we understand that we have to put the labor in right now.”


Who Benefits from Obamacare? Democrats, Republicans & the Corporations that Control Both Parties.
enroll obamacare
Image by watchingfrogsboil
Both Democrats & Republicans are lying for their corporate masters:
Obamacare was not primarily about healthcare OR taxes. The goal was the
individual mandate.


In last week’s United States Supreme Court ruling re National Federation of
Independent Business Et Al v. Sebelius, Secretary of Health and Human
Services, Et Al (11-393/28-Jun-2012) a.k.a. "NFIB v. Sebelius", the
individual mandate to purchase health insurance and associated penalties for
non-compliance contained in the Patient Protection and Affordable Care Act
(Public Law 111-148/H.R.3590/PPACA/23-Mar-2010) a.k.a. the "Affordable Care
Act" a.k.a. "Obamacare" were declared to be a tax and therefore



The Obamacare bill is a massive piece of legislation – depending on
formatting, anywhere from 900+ to 2000+ pages – much of which can loosely be
construed as "healthcare reform". That millions of Americans will be
impacted by this law is beyond dispute. Whether that impact will be
positive or negative, on the other hand, will be a source of sociopolitical
debate for many years – assuming of course our illegal and immoral
death-from-above droning and Oil Wars Iran-baiting antics in Syria,
Baluchistan and elsewhere don’t get us all blown to Kingdom Come in the



There are, however, three clear and immediate beneficiaries of Obamacare:
the Democratic Party, the Republican Party, and the Global Corporations who
control them both:

1. THE DEMOCRATIC PARTY can truthfully energize their base of lemmings on
the left side of the false divide by declaring a victory for "healthcare
reform" – although the percentage of Americans who can expect to receive a
net benefit from all the changes in that mass of legalese is only about 10
percent, and some 5 million of us are projected to actually LOSE our health
insurance coverage as a result of Obamacare. According to the Congressional
Budget Office (CBO):

"Compared with prior law, the ACA is now estimated by CBO and JCT to reduce
the number of nonelderly people without health insurance coverage by 30
million to 33 million in 2016 and subsequent years, leaving 26 million to 27
million nonelderly residents uninsured in those years… The share of legal
nonelderly residents with insurance is projected to rise from 82 percent in
2012 to 93 percent by 2022. According to the current estimates, from 2016
on, between 20 million and 23 million people will receive coverage through
the new insurance exchanges, and 16 million to 17 million people will be
enrolled in Medicaid and CHIP. Also, 3 million to 5 million fewer people
will have coverage through an employer compared with the number under prior


2. THE REPUBLICAN PARTY can legally (and from that narrow perspective
truthfully) energize their base of lemmings on the right side of the false
divide by parroting Chief Justice Roberts’ proclamation that its individual
mandate and therefore Obamacare represent a "tax increase" from a President
whose campaign promised no tax increases on the middle class, and who
personally and through his administration vowed repeatedly that Obamacare
was NOT a tax. In Obama’s own words:

2.a. "I can make a firm pledge. Under my plan, no family making less than
0,000 a year will see any form of tax increase. Not your income tax, not
your payroll tax, not your capital gains taxes, not any of your taxes."



2.b. "I absolutely reject that notion," Obama said under repeated
questioning by Stephanopoulos. "For us to say that you’ve got to take a
responsibility to get health insurance is absolutely not a tax increase,"
Obama said. "You can’t just make up that language and decide that that’s
called a tax increase."



3. THE GLOBAL CORPORATIONS that control both the Democratic and Republican
Parties – and through that "Two-Party Tryanny" our government and all of us
– are the biggest beneficiaries of Obamacare. The global fascist elite 1%
could care less about improving the health of the other 99% or what new tax
burdens are placed on the backs of a middle-class struggling to survive yet
still desperately hanging on to the belief that somehow, someday they too
will be rich, famous and have their own Reality TV show if they just stay on
the treadmill and keep running. And by using the Congressional power to tax
rather than the Commerce Clause as the basis for his decision, corporate
puppet Chief Justice Roberts made sure the NFIB v. Sebelius ruling would
stir up a partisan political firestorm – and accompanying smokescreen – to
keep the Sheeple divided and fighting each other, blinded to the
white-collar crime being perpetrated by their common enemy:

Reaching far beyond the corporatization of medicine and privatization of
healthcare in America, the 1%’s objective with Obamacare was to establish a
constitutional legal precedent for individual mandates by which the wealthy
can become even wealthier simply by having their paid political puppets pass
laws mandating that we buy their corporate products and increase their
profits – regardless of whether we want, need or can afford them.


Today, it’s overpriced health insurance. Tomorrow, it might be underpowered

Where are the Jeffersonians? And where is the outrage?

"The tree of liberty must be refreshed from time to time with the blood of
patriots and tyrants."–Thomas Jefferson




NOTE TO TWITTER USERS 1: Please tweet this: Both Ds & Rs lie for corporate
masters: #Obamacare not about #Healthcare OR #Taxes but legalizing
#IndividualMandate: bit.ly/LXrpe8

NOTE TO TWITTER USERS 2: Since our recent unrelated disclosures that (a)
eating a bowl of Cheerios is no more "heart healthy" than eating a bowl of
dirt ( bit.ly/zDYa45 ) and (b) many American Bikers suffer from
Sensenbrenner Syndrome ( bit.ly/MBBIBQ ), tweets from @VVVPR are
being blocked from the Twitter search stream. If you are a Twitter user, we
ask you to contact @Support and demand this corporate fascist censorship be


IronBoltBruce via VVV PR ( veritasvirtualvengeance.com |
twitter.com/vvvpr )

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Related Video (A MUST SEE): www.youtube.com/watch?v=mzfcOFc5xjY

Show Your Support: www.wepay.com/donate/ironboltbruce

#universalhealthcare, #sensenbrenner, #democrats, #republicans, #gop,
#demopublicans, #bushbamney, #obama, #romney, #privatization, #fascism,
#fascists, #kleptocracy, #anonymous, #ows, #revolution

Key: obamacare, romneycare, healthcare, health care, scotus, supreme court,
nfib v. sebelius, affordable healthcare act, affordable care act, aca,
sebelius, single payer, universal healthcare, universal health care,
sensenbrenner, democrats, republicans, gop, bushbamney, obama, romney,
privatization, fascism, fascists, kleptocracy, anonymous, ows, revolution

This document contains links shortened using tinyurl.com to
facilitate emailing. If you are concerned that we would use them to cloak
phishing or malware, you should open them with this: longurl.org.


Supporters who make our work possible:




Victorious health care enrollers
enroll obamacare
Image by yooperann
Marina, Kate, and Gregory have been working pretty much 24/7 to get people enrolled into health care. I know Gregory finished up his last one at 11 p.m. on the last night of open enrollment. It’s been a real marathon, but they’re champs.

Affordable Care Act (“ObamaCare”) Enrollment

Affordable Care Act (“ObamaCare”) Enrollment
Event on 2014-03-31 10:00:00
In partnership with the Consumer Assistance and Resource Enterprise (CARE), enroll in a health care plan. Federally-approved Navigator/Enrollment Assisters will guide you through the process to satisfy the requirements of the Affordable Care Act ("ObamaCare").
Enrollment begins October 2013 and closes March 2014. Everyone not covered through government-supplied health coverage or an employer health plan must acquire health insurance coverage by March 31 or incur a penalty.
For more information or to register for an enrollment session, please call 836-9033.
Be aware that scams have been reported in which con artists will try to obtain your personal information. Scams are operating through fraudulent websites, the telephone and even in person. The government will never contact you to sign up for a health plan or ask for your personal information. You can be confident that the information provided at library branch programs is accurate, and the information on our website is reliable and trustworthy. 

at West Las Vegas Theater
951 W Lake Mead Boulevard
Las Vegas, United States

Integrative Medicine Specialty Board Certification in 2014 Provides New Opportunities For Greater Health, Wellness Promotion and Preventive Practices

Key West, FL (PRWEB) March 06, 2014

A professional evolution is brewing in health care that will take a quantum leap later this year. A decades-in-the-making shift in medicine made a sudden turn in 2011 when the University of Arizona Center for Integrative Medicine (ACIM) decided to pursue the establishment of a formal specialty in Integrative Medicine with the American Board of Physician Specialties. The first-ever certification exams announced by the affiliated American Board of Integrative Medicine (ABOIM) received overwhelming positive interest – causing a delay from May until November 2014 in scheduling for the numerous applicants who met the deadline for participation.

Dolly Garlo, founder of Thrive!! Coaching, Consulting & Training, sees this development as a win for patients and a significant opportunity for physicians called not only to treat illness, but to heal and promote health, particularly in collaboration with practitioners of numerous beneficial complementary healthcare practices. She adds, “It’s time for innovative health care leaders to step forward, build strong businesses around their professional practices, and sensibly market the availability of their cutting edge services so that regular people understand what they are and how to access them.”

The so-called “Towns vs. Gowns” debate (certification vs. academia) has resolved in favor of specialty certification, which gives both referral sources and the public more they can rely on. That move is further supported by the decision of the American Board of Integrative Holistic Medicine (ABIHM) to become an international academy called the Academy of Integrative Health & Medicine (AIHM) with a new mission “to implement the science of health and healing into practice by bringing leaders of medicine and the healing arts together into an academic and clinically focused community” including professionals from multiple disciplines. Not only MD’s and DO’s, it will support licensed and credentialed healthcare providers such as naturopathic physicians, chiropractors, acupuncturists, registered nurses, nurse practitioners, physician assistants, dentists, pharmacists, psychologists, nutritionists, and dieticians.

Management consultant extraordinaire, Peter Drucker contributed two important principles to what’s needed in health care in this country today when he said: “Management is doing things right; leadership is doing the right things[; and] business has only two functions — marketing and innovation.”

To take advantage of the opportunities these important shifts represent, and better serve the public, the following tips will assist interested practitioners:

1.    Get on Board, Lead and Recruit.

A greater focus on health, wellness and prevention coming from traditional mainstream physicians, as “captains of the ship,” is the leadership necessary to better support both people and health care economics. Those moving into the integrative medicine specialty are key to spearheading discussions in more conventional or mainstream settings. Board certified integrative physicians will bring a ‘whole-person’ approach to patient care: body, mind, spirit and environment, and can demonstrate through practice the benefits of health promotion, disease prevention and complementary health practices.

2.    Include.

Doing the right things involves becoming more informed about and incorporating known and effective, evidence as well as science-based approaches. Many natural and more easily accessible health practices as well as treatment modalities have been successfully in use around the world for thousands of years without the need for synthetic pharmaceuticals. Encouraging the inclusion of more nutritious organic and pesticide/hormone free food-as-medicine, and utilizing approaches from sound nutrition counseling, to essential oils and natural plant-based supplements, to homeopathy and energy based practices, to structural and functional body work in addition to exercise, to de-toxifying environments, to enhancing well-being through meditation, yoga, hypnosis, relaxation techniques, and more, as needed, provides a much broader arsenal to address a given individual’s condition, situation and pocketbook.

3.    Build Conscious Businesses.

This developing recognition of holistic approaches and inclusion of complementary practices must be augmented with conscious business development. Team approaches to care and collaborative practice arrangements among physician and non-physician practitioners with advanced training in the myriad effective alternative options available allows better-tailored care and services to help people both heal and stay well, as well as actually comply with treatment regimens.

4.    Educate.

Conscious business practices should include ethical and educational approaches to marketing. That will allow these leading innovative practitioners to better inform both the public and conventional referring physicians about available options, as well as the intended results and possible benefits individuals might derive from utilizing them. A more informed public can make better health care choices, and using educational marketing approaches can help care providers build and sustain viable practices in order to deliver those services.    

5.    Better Understand the Health Care Marketplace.

Medicine has become big business even as many individual professionals shrink from the thought of professional practice as “business.” Non-healthcare professionals have all but destroyed the corporate practice of medicine prohibition, which was legally established for two important public policy reasons: first, to prevent the undermining of the physician-patient relationship and the physician’s exercise of independent medical judgment in the sole interest of the patient, and second to limit the intrusion into that decision making of influence by corporate non-physicians not subject to the same professional standards or regulatory control.

To maintain at least an appearance of support for these public policies, insurance companies and other corporate influencers quickly added physicians to advisory boards and as staff to review decisions for reimbursement and budgeting purposes, and limit financial fraud and abuse. Removed from the actual patient, however, this arm-chair decision-making has also limited patient access to medically necessary therapeutic services, as well as valuable alternatives, and has increased costs needed to review and deny insurance coverage.

Consequently, medical decision-making has been dissected, diluted and delayed, causing people to seek more readily available remedies. With the shift to insurance companies as gate-keepers (and related coverage exclusions) and away from direct payment fee-for-services practices, patients seek other means – including discretionary out-of-pocket payment and the use of health savings accounts – to fund complementary and alternative health care approaches.

6.    Create Innovative Service Delivery and Payment Options

Well-performed via reputable practitioners, wellness, preventive and restorative health care services not only help patients, but save the health care system money. Though certain wellness and preventive services are now mandated under the Patient Protection and Affordable Care Act (“Obamacare”), a step in the right direction, they are limited in scope.

This environment – greater need for health promotion services (as opposed to primarily disease treatment) and a keener focus on a whole-person model that incorporates alternative approaches – creates a great opportunity. Using sound and ethical business and marketing strategies allows independent and small office integrative medicine and complementary health care practitioners to better offer their valuable services whether or not insurance reimbursement is available.

Ultimately, learning what is not taught in most academic training settings – conscious and collaborative forms of business structuring, marketing in the form of education and service delivery with alternative payment options – is necessary to expand these ever more available medical and complementary healthcare professional services to a healthcare marketplace hungry for health.


Dolly Garlo, RN, JD, PCC-BCC, President of Thrive!!, founded the coaching, consulting and training company in 1997 to help other professional women build solid business foundations for successful delivery of innovative services, create successful and profitable businesses, design fulfilling business-exit or career change and personal lifestyle transformations, and use their considerable skills and resources to make local or even global contributions. On the web at http://www.allthrive.com.

Working exclusively with compassionate business minded professionals, Dolly Garlo is also on a continuing mission to change the way health care services are delivered in this country, particularly focused on the integrative medicine and complementary health care arenas. It has been her passion since graduating from nursing school 35 years ago and it’s what drives her work to this day as a former health care attorney turned board certified professional coach and legacy development planner, with additional certification in financial coaching and retirement life planning.

She earned her BSN from the University of Michigan, and her JD from the University of Utah. She practiced as a critical care registered nurse in Medical and Shock/Trauma ICU, followed by 16 years practicing civil and administrative law (building and running her own law firm advising professionals and health care businesses). An ardent environmental advocate, she developed her comprehensive legacy planning program as a result of experiences creating the Garlo Heritage Nature Preserve.

Q&A: Do i have to apply for Obamacare?

Question by Bassam Al Ali: Do i have to apply for Obamacare?
Hello im an F-1 Visa International Student. I dont know much about this wjole Affordable Care Act as ive only been here for like 20 days. But as far as i know, all people are forced to have medical insurance and i just cant considering i have no job and my dad sends me 500$ a month. I heard of exemption for people who “are not lawfully in u.s”, do they mean like illegal immigrants because technically im lawfully inside the u.s on my student visa.

Best answer:

Answer by tonalc2
Even before the ACA, all international students were required to carry a basic health insurance policy.

Two things to note from the cited page:
“The preamble to the final regulations clarify that all student health insurance must comply with the applicable provisions of the ACA without regard to the citizenship of the student insured.”

“Insurance sold to international students attending only one or two semesters will most likely qualify as short-term limited duration insurance coverage exempt from the ACA.”

FYI: Nobody applies for Obamacare. The ACA is a law, not a health insurance policy.

Speak with your college about requirements.

Add your own answer in the comments!