Busting The 3 Biggest Myths Of ObamaCare

In the last few months we’ve seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Every time that happens, the media gets hold of it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs talk about it. All the analysts start talking about the pros and cons, and what it means to businesses and individuals.

The problem with this is, many times one writer looked at the regulation, and wrote a piece about it. Then other writers start using pieces from that first article and rewriting parts to fit their article. By the time the information gets widely distributed, the actual regulations and rules get twisted and distorted, and what actually shows up in the media sometimes just doesn’t truly represent the reality of what the regulations say.

Health Care Reform Only Affects Uninsured

Let’s look at the first myth about health care reform only affecting uninsured people. In a lot of the discussions I have with clients, there are several expressions they use: “I already have coverage, so I won’t be affected by ObamaCare,” or “I’ll just keep my grandfathered health insurance plan,” and the last one – and this one I can give them a little bit of leeway, because part of what they’re saying is true — is “I have group health insurance, so I won’t be affected by health care reform.”

Well, the reality is that health care reform is actually going to affect everybody. Starting in 2014, we’re going to have a whole new set of health plans, and those plans have very rich benefits with lots of extra features that the existing plans today don’t offer. So these new plans are going to be higher cost.

Health Care Reform’s Effect On People With Health Insurance

People that currently have health insurance are going to be transitioned into these new plans sometime in 2014. So the insured will be directly affected by this because the health plans they have today are going away, and they will be mapped into a new ObamaCare plan in 2014.

Health Care Reform Effect On The Uninsured

The uninsured have an additional issue in that if they don’t get health insurance in 2014, they face a mandate penalty. Some of the healthy uninsured are going to look at that penalty and say, “Well, the penalty is 1% of my adjusted gross income; I make $50,000, so I’ll pay a $500 penalty or $1,000 for health insurance. In that case I’ll just take the penalty.” But either way, they will be directly affected by health care reform. Through the mandate it affects the insured as well as the uninsured.

Health Care Reform Will Not Affect Medicare

The next myth was that health care reform would not affect Medicare. This one is kind of funny because right from the very get-go, the most notable cuts were specifically targeting the Medicare program. When you look at Medicare’s portion of the overall federal, you can see that in 1970, Medicare was 4% of the U.S. federal budget, and by 2011, it had grown to 16% of the federal budget.

If we look at it over the last 10 years, from 2002 to 2012, Medicare is the fastest growing part of the major entitlement programs in the federal government, and it’s grown by almost 70% during that period of time.

Because of how large Medicare is and how fast it’s growing, it’s one of the key programs that ObamaCare is trying to get a handle on, so it doesn’t bankrupts the U.S. Medicare is going to be impacted, and in fact the initial cuts to Medicare have already been set at about $716 billion.

Medicare Advantage Cuts And The Effects

Of that $716 billion cut, the Medicare Advantage program gets cut the most, and will see the bulk of the effects. What that’s going to do is increase the premiums people pay for their Medicare Advantage plans, and reduce the benefits of those plans.

Increased Medicare Advantage Costs

Right now, many people choose Medicare Advantage plans because they have zero premium. When given a choice on Medicare plans, they view it as an easy choice because it’s a free program for them, “Sure, I get Medicare benefits, I don’t pay anything for it; why not.” Now they’re going to see Medicare premiums start to climb, and go from zero to $70, $80, $90, $100. We’ve already seen that with some of the Blue Cross Medicare Advantage plans this year. It’s going to get worse as we go forward in the future.

Reduced Medicare Advantage Benefits

In order to minimize the premium increases, what many Medicare Advantage plans will do is increase the copayments, increase the deductibles, and change the co-insurance rates. In order to keep the premiums down, they’ll just push more of the costs onto the Medicare Advantage recipients. Increased premiums and reduced benefits are what we’re going to see coming in Medicare Advantage plan.

Health Care Reform Will Reduce Healthcare Costs

The last one, and probably the biggest myth about health care reform, is everybody thinking that ObamaCare will reduce healthcare costs. That’s completely hogwash. Early on in the process, when they were trying to come up with the rules and regulations, the emphasis and one of the goals for reform was to reduce healthcare costs.

But somewhere along the line, the goal actually shifted from cost reduction to regulation of the health insurance industry. Once they made that transition, they pushed cost reductions to the back burner. There are some small cost reduction components in ObamaCare, but the real emphasis is on regulating health insurance. The new plans, for example, have much richer benefits than many plans today: richer benefits means richer prices.

Health Care Reform Subsidies: Will They Make Plans Affordable?

A lot of people hope, “The subsidies are going to make health insurance plans more affordable, won’t they?” Yes, in some cases the subsidies will help to make the plans affordable for people. But if you make $1 too much, the affordable plans are suddenly going to become very expensive and can cost thousands of dollars more over the course of a year. Will a subsidy make it affordable or not affordable is really subject to debate at this point in time. We’re going to have to actually see what the rates look like for these plans.

New Health Care Reform Taxes Passed On To Consumers

Then there’s a whole ton of new health care reform taxes that have been added into the system to help pay for ObamaCare. That means everybody who has a health insurance plan, whether it’s in a large group, a small group, or just as an individual, is going to be taxed in order to pay for the cost of reform. Health care reform adds various taxes on health care that insurance companies will have to collect and pay, but they’re just going to pass it right through to us, the consumer.

Braun Pulsonic 9595cc – Tips to Get the Perfect Shave Every Time

The Braun Pulsonic 9595cc is held as the highest standard for men’s shavers. The Braun name carries with it a guarantee of great, high quality shavers, the 9595cc is the best of them. Those who have been using a razor or another type of shaver will be amazed at how close and even shaves the Braun delivers each and every time.

With a shaver that delivers 10,000 micro-pulses per minute to vibrate the skin, the Braun Pulsonic 9595cc delivers a close shave every time. This vibration will allow even the smallest of hairs to be shaved off quickly and painlessly. This shaver simply just doesn’t leave any stubble behind, giving you the closest and cleanest shave.

A further great feature of the Braun Pulsonic 9595cc is that it’s completely rechargeable. The charge lasts for up to 55 hours, making it feasible to take the shaver with to the gym, to the office or wherever you need to go without worrying about charging it. You can even take it with you on a camping trip!

If you want to remove all that facial hair and stick with the smooth look then there are certain things you can do. Below are five great tips to get your face smoother than ever.

Lather up your chops before you start. Preparation is everything in life and shaving is no different, you need to prepare your face. Soak your face with warm water and use some good shaving cream. Lather it on with a brush for a more even spread and it is important to use warm water, the softer your face the better.

Timing is everything. Shaving opens up the pores in your face and this leaves you open to blocked pores and dirt. You should time your shaving so that it happens before your shower or wash so that you can rinse out your pores after your shave. It won’t make your shave any closer but it will make your face feel smoother.

After care shouldn’t be skipped. Just like preparation helps make the shave better in the first place the after care is just as important. Before you slap on some standard aftershave you should use some after shave moisturiser instead. It still smells great but it will moisturize your face and relieve any shaving rash.

Switch to an electric shaver. The number one thing that you can do to make your shaving closer and easier is to switch to an electric shaver. You won’t have any of the problems of a cut face and razor rash and modern electric shavers can shave as close as a wet shave.Shaving is something that you learn how to do over time but with these tips you should be able to get an even closer shave.

New Book Offers Tools to Achieve Total Health and Wellness

Glen Alex has invested her lifetime advocating for improved overall health for folks, and now, in her new book, Residing in Full Health and fitness, she provides a balanced and occasionally stunning journey into what this means for being healthful, rich, and wise-or what is becoming popularly regarded from the health and fitness and wellness neighborhood as “wellth.” Glen defines this new phrase as “the sum whole from the richness and wellbeing found in excellent well being. Wellth signifies staying rich in health-that one has fulfilled sure physical diagnostic ranges and it has a meaningful or joyful lifestyle. Balance.”

That equilibrium is obvious in this reserve due to the fact it can be not merely solely about exercise or nourishment. As a substitute, Glen divides the ebook into 3 sections: Actual physical Wellth, Emotional Wellth, and Mental Wellth. Then every part is broken up into four chapters, together with “Moving Your Body”, “Being Present”, and “Stressing Less”. Each part and chapter is stuffed with dialogue, personalized stories for example Glen’s details, and workouts for that reader to become more aware about and observe the topic at hand. Glen further more clarifies her purpose from the introduction by expressing: “The objective of this guide is usually to present a different viewpoint on well being, to not regurgitate offered how-to information and facts on diet plan, exercise, etc. The intention of Residing in Overall Health and fitness will be to activate your crucial reasoning and challenge your adopted method of health when you have not realized your goals.”

1 facet of Residing in Full Health that i in particular appreciated was that Glen continuously reminds us that each one we want is by now within just us. She doesn’t question us to complete any miracles but merely to carry out what we have been naturally born to accomplish. As opposed to inform us to carry out hardcore exercise routines in the gym, she redefines exercise as any sort of exercise that needs movement similar to a stroll, yoga, as well as undertaking laundry or washing dishes. The problem is usually to get energetic. Positive, some individuals may pick to try and do more-and that is great-but for the majority of of us, Glen’s words of knowledge really are a substantially desired reminder of how we can easily start off.

Glen also makes it distinct that we do not have to go along with the overall health crowd will become a person dimension isn’t going to fit all. Each and every of us has our possess individual body, and for that reason, our individual nourishment demands demand way more than “a patented nutritional program.” She encourages us to find out which meals our human body reacts well to and to locate dietary harmony in what we can easily enjoy and what’s going to not upset or inflame our bodies. Other essential physical areas she focuses on include the value of stretching, which include when and just how to carry out it, as well as the rewards of massage, which include massage protection suggestions so you can assure you find a trustworthy and honest massage therapist.

From the area on Psychological Wellth, Glen clarifies the difference amongst emotions and feelings and how they are signals with messages for us. Perhaps one of the most impressive conversations in this particular part had to do with separating our thoughts from these of others. Glen discusses the importance of placing boundaries with people, together with psychological ones. Occasionally we could possibly have to attract the road with another person regarding how to deal with us, but we could also have to attract an emotional boundary that we do not let ourselves cross with regards to taking up other people’s issues. Whilst we can be sympathetic to persons, Glen warns us versus metaphorically putting on an individual else’s footwear that aren’t ours-in other phrases, will not get on somebody else’s psychological baggage.

From the midst of those boundary discussions, Glen delivers up the topic of domestic violence, and i assume she helps make a powerful level here about the difference between a conscious plus a thoughtless decision. Countless male batterers will declare that a woman’s behavior is exactly what drove them to conquer her, but when which is true, why will not those gentlemen just leave the ladies so that they eliminate the disappointment in their life? Nor are these adult men incapable of that contains their rage since batterers will not likely behave abusively in general public but only at home, and that is evidence that men and women make mindful alternatives.

From the closing area on Psychological Wellth, Glen focuses on how the buildup of unhealthy existence alternatives commonly influence the psychological health and fitness and steadiness from the greater part of us. With the forefront of psychological issues is how anxiety has an effect on us, and Glen features tricks for the best way to decrease it. She also will help us rethink our aid devices, and she or he introduces the thought of making an ecomap of your respective assistance technique being an successful physical exercise to gain higher psychological wellth in your everyday living.