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Casual Articles - Health Insurance for Solo Entrepreneurs
Mapping the human genome had been a goal that modern bio-scientists yearned to conquer for decades. Human genome, basically a map of each humans cell make-up, if properly researched and documented, could provide the answer to myriad mysteries, including: why we age, genetic markers, causes and cures for diseases and many more questions previously thought unobtainable. The drive to chart this monumentally complex scientific puzzle lead to an interesting competition. Entrepreneurs can learn much from this race.The United States government’s National Institute of Health, partnering with the British government was tasked with charting the human genome in the mid 1980’s. The government employed the finest bio-scientists, facilities and equipment in the effort to successfully complete the work. Budgeted funds were generously appropriated for the project. The United States was reported to have spent over $3 Billion on research, the British government added considerably more.In 1998, a brilliant scientist named Dr. Craig Ventner, while reviewing the published work product of the government, decided that a different approach could be undertaken to provide a faster, more accurate answer to the complexity of the chore. He wrote a business plan that was based on a “shotgun” type of research format. Dr. Ventner approached venture capitalist funding sources and raised $300 million in private funds. His venture, Celera, was charged with mapping the genome in order to commercialize the findings. The race was now on.The government team enjoyed the advantage of a decades long head start, huge funding commitments and a deep roster
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially
Research indicates that Emotional Intelligence (E.I.) – how we handle ourselves and our relationships – can determine success more than I.Q. In fact, E.I. may determine as much as 80% of a person's life success. Cognitive ability or what we call I.Q. is only about 20%. Quality leadership training is a combination of E.I. and cognitive ability.More specifically, Daniel Goleman (along with two E.I. researchers: Richard Boyatzis and Annie McKee) explains the role of E.I. in leadership in Primal Leadership, Realizing the Power of Emotional Intelligence (2002). They found the most effective leadership and management styles work through emotions which evolve from the limbic system in the brain.The limbic system is responsible for sending information to the prefrontal lobes for analysis and decisions. This system is an open-loop design which means other people can and do change our physiology by altering our hormone levels, cardiovascular function, sleep rhythms and immune function. A leader's primary task is to drive emotions in a direction which has positive impact on motivation, strategy and productivity.Since emotions are at the heart of effective leadership, the key to being an effective leader lies in learning to handle yourself and your relationships in a positive manner. Emotional Intelligence competencies include:• Self-awareness • Self-management • Social awareness – empathy • Relationship managementImportant new research clearly indicates that we rely on connections with others for our emotional stability and motivation. Who is the most likely person employees will be w
1. If a medical bill seems excessive, try negotiating
Your doctor or the office manager who handles billing will probably be flexible, provided you make a valid case. When one woman in Texas was charged $900 for surgery and “consultation,” she explained that she had visited the hospital just once, for surgery; her bill was promptly cut by $370.
2.. Contact a medical bill “auditor”
Several services have a medical bill “auditing” system that evaluates your medical bills to determine if errors occurred in the billing process. Considering that 97 percent of hospital medical bills contain errors, it’s no wonder why out-of-pocket medical expenses are on the rise for consumers. Because the typical hospital bill is extremely complicated, often containing several hundred line-item charges, there is ample opportunity for computer mistakes and accidental human error. Do a Google search for medical bill auditors to find companies offering this service.
3. You may get a tax break on your medical bills
Keep all your medical bills together and add them up at tax time. If they exceed 7.5 percent of your adjusted gross income, you may deduct the excess. Please note that these items also may be included in the total: the cost of eye glasses, contact lenses, physical therapy, x-rays, hearing aids, psychiatric care, insurance and transportation to the hospital or doctor’s office (at 30 cents a mile). There are phase-outs in some cases based on adjusted gross income. Check with your professional tax adviser.
4. Deduct 100% of your healthcare costs from your taxes
The IRS allows all self-employed to deduct 100% of health care costs from their taxes by using Section 105 of the Internal Revenue Code. To receive this deduction, you must do the following:
a) Hire your spouse as an employee of your business.
b) Have your spouse receive health insurance in his or her name, and include the family on the policy.
c) Pay your spouse a salary that will cover the costs of the insurance.
d) Talk to your tax professional about planning for Section 105 on your taxes.
We all know your spouse is active in your business. Now, you can equally recognize their contribution he or she makes – and get Uncle Sam to give you a tax break.
5. Help for families with kids -- CHIP
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially b
In this installment of medical billing and your DME software, we're going to take a look at customized reports. This is an area that most billing companies have a lot of problems with because it involves a little bit of programming and creativity. Hopefully, this review will give you a few tips on how to get the most out of your customized reports.It's great to be able to bill your patients and let's face it, that's where the money comes from. But how are you going to know how much money you've made and how profitable your medical billing business is without reports to show you? Well, fortunately for the medical billing company, most DME software packages come with a module that they call customized reports, or something along those lines.Usually, these modules will come with certain stock reports such as sales, accounts receivable and so on. A decent piece of software will usually provide you with about five or six reports that for the most part will give you all the information that you'll need in order to find out how profitable your business has been.But what if these reports just aren't enough for you? What if you'd like to get a report that not only shows you total sales, but breaks it down by salesperson in your organization or by medical carrier. What do you do then? What if you simply don't like the way the output of the report looks or hate how little or how much info is given in the report. Maybe you just want a few facts and figures. Maybe you want more. The combinations are endless.That's where the report generator and creator comes in. The better software packages will give you th
Several services have a medical bill “auditing” system that evaluates your medical bills to determine if errors occurred in the billing process. Considering that 97 percent of hospital medical bills contain errors, it’s no wonder why out-of-pocket medical expenses are on the rise for consumers. Because the typical hospital bill is extremely complicated, often containing several hundred line-item charges, there is ample opportunity for computer mistakes and accidental human error. Do a Google search for medical bill auditors to find companies offering this service.
3. You may get a tax break on your medical bills
Keep all your medical bills together and add them up at tax time. If they exceed 7.5 percent of your adjusted gross income, you may deduct the excess. Please note that these items also may be included in the total: the cost of eye glasses, contact lenses, physical therapy, x-rays, hearing aids, psychiatric care, insurance and transportation to the hospital or doctor’s office (at 30 cents a mile). There are phase-outs in some cases based on adjusted gross income. Check with your professional tax adviser.
4. Deduct 100% of your healthcare costs from your taxes
The IRS allows all self-employed to deduct 100% of health care costs from their taxes by using Section 105 of the Internal Revenue Code. To receive this deduction, you must do the following:
a) Hire your spouse as an employee of your business.
b) Have your spouse receive health insurance in his or her name, and include the family on the policy.
c) Pay your spouse a salary that will cover the costs of the insurance.
d) Talk to your tax professional about planning for Section 105 on your taxes.
We all know your spouse is active in your business. Now, you can equally recognize their contribution he or she makes – and get Uncle Sam to give you a tax break.
5. Help for families with kids -- CHIP
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially
There are a great many online business people who are forgetting the potential that this particular forgotten market can be providing them. The forgotten market I am referring to is the off-line market and as for the potential, it could prove to be quite profitable for you. What you need to do though, is take the blinders off and focus on "all potentials" NOT JUST the one track mindset of setting up campaigns geared towards the online market.I understand that setting up an email campaign geared to the online market is easy in more ways than one. I mean the online community already "gets it" as far as how the internet and online marketing works, therefore the "education" isn't necessarily warranted or needed. Based on that it takes perhaps less time to see the fruits of your labour.HOWEVER ...What you are contending with when targeting just the "online" market is saturation. Those online stand a good chance of already being exposed to someone from your particular program already sending them something, therefore your message is lost.The offline market however haven't been exposed and therefore you have a fresh audience to target your message to. The question is "how do I reach them?"I'll get to the "how do I" in a second, but first let me explain to you WHY I am so bent on you considering the offline market. I have worked with my local Enterprise Center - in Ontario (Canada) these Centers provide those who want to start a business with information/support and guidance to get up and running. What I have done is sat down with my local center and asked, based on the coa
4. Deduct 100% of your healthcare costs from your taxes
The IRS allows all self-employed to deduct 100% of health care costs from their taxes by using Section 105 of the Internal Revenue Code. To receive this deduction, you must do the following:
a) Hire your spouse as an employee of your business.
b) Have your spouse receive health insurance in his or her name, and include the family on the policy.
c) Pay your spouse a salary that will cover the costs of the insurance.
d) Talk to your tax professional about planning for Section 105 on your taxes.
We all know your spouse is active in your business. Now, you can equally recognize their contribution he or she makes – and get Uncle Sam to give you a tax break.
5. Help for families with kids -- CHIP
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially
Has it been awhile since you had to look for a job? Or is this your first time as a job seeker? If you have recently graduated, you may think that job hunting is a huge task.A lot of people are finding it hard to find a better job simply because of the job search strategy they are using. Different strategies should be tested in order for you to find a job most appropriate for your training and experience.A strategy is just a simple word but it is a big help to everybody. Even if you are brand new to the job market, with a good and realistic strategy, you can get any job you want. Having a good strategy makes everything possible.Here are some tips for developing a strategy that will help you more effectively find the job that will suit your abilities and desires.Tip 1:You should assess your personal skills, experience, and other assets before sending out your resume. You should know what you really want to do and what kind of field you would really excel. Understand what excites you and makes your work seem more like play. Then make sure you stress the qualities you possess that would be applicable to those jobs. This will greatly simplify your job search and keep you from positions that aren't appropriate to your needs.Tip 2:Never fight with your limitations. Focus on the things you want to do and that you are currently capable of doing. Never take for granted the opportunities that come on your way. When you are out searching, you will find that the opportunities can and do come. Always have the self-confidence to stay on track with your plan.Tip 3:Don't underestimate th
a) Hire your spouse as an employee of your business.
b) Have your spouse receive health insurance in his or her name, and include the family on the policy.
c) Pay your spouse a salary that will cover the costs of the insurance.
d) Talk to your tax professional about planning for Section 105 on your taxes.
We all know your spouse is active in your business. Now, you can equally recognize their contribution he or she makes – and get Uncle Sam to give you a tax break.
5. Help for families with kids -- CHIP
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially
Employers always look for competent applicants, and screening through piles of lengthy resumes is tiring and laborious. It is, without a doubt, only sensible to always attach a well written cover letter that shows sincerity and commitment to make it through the cut.Now, since people of today need everything in a flash. Time is essential specially in a world that is fast paced. It is only a logical move to make things easier to access and quicker to use. Constructing a personal template is a great idea. This does not only make things more simple, but it also shows a sign of efficiency and the hopes of being employed right away.Cover letters can be written in two ways. The more common and traditional type, and very much preferred by many employing bodies because of its smart appearance, is in paragraph form. The less common type is bulleted, also known as the Executive Outline. Though the paragraphed form seems to be neater, it could be a bit long. The bulleted form's advantage is that it can be read in a shorter time and it is easier to make revisions to.The paragraphed layout starts with writing down the current date, greeting and customary formal letter writing protocol. The paragraphs should be written in block format with about three to four paragraphs.The first paragraph should emphasize the years of previous job experience, schooling and other skills and credentials followed by the second paragraph which should state the ultimate desire to become a member of the company. The third one should stretch further into more facts pertaining to knowledge and job qualifications. For example, assert
All states have established new programs that help lower income families with children to pay for health insurance for their kids. Financed partly by the federal government, the Children’s Health Insurance Programs (CHIP) operate either as an expansion of the state’s Medicaid program or a subsidy for basic private health insurance. Eligible families may be able to access coverage for their children at greatly reduced premiums which will vary depending upon family income. Contact your state Department of Health or Insurance for more information.
6. Shop around
Hospital costs vary widely, especially between urban and rural facilities. If your doctor has admitting privileges at more than one hospital, find out if you can be admitted to the one that’s less expensive. Keep in mind that hospitals operated by non-profit foundations are usually less expensive than investor-owned, for profit hospitals. To find out how much your local hospitals charge, ask your doctor. Many states have Health Services Cost Review Commissions, which compile such data.
7. Check for free clinics in your community
You and your entire family can save hundreds of dollars by taking advantage of the many free screenings, immunizations, and other health clinics offered by your local community or a town near you. Numerous community hospitals and social services can provide blood pressure checks, shots for your children, free contraceptives and/or advice, and other preventative health care at little to no cost.
8. Get a second opinion out of town
Believe it or not, your chance of undergoing an expensive surgery or preventative procedure may depend solely on where you happen to live. Statistics show that the frequency in which certain medical procedures are performed varies widely from location to location. For example, residents of New Haven, Conn., are twice as likely to undergo a coronary bypass operation as residents of Boston, Mass. What’s the reason for this discrepancy? One Dartmouth Medical School expert, John E. Wennberg, M.D., M.H.P., explains that certain operations are simply more fashionable in some parts of the United States than others. So, if you plan to get a second opinion prior to surgery, consider going to a specialist in another city. In addition, try to find out what the surgery rates for your procedure are in different cities. HealthAllies.com also offers this service online at www.healthallies.com. To get the names of second-opinion doctors in your region, call the U.S. government’s toll-free second-opinion hotline at 1-800-638-6833.
9. Don’t pay double for a second opinion
As you make arrangements for a second opinion, ask your doctor to send copies of your medical records, x-rays, and lab tests to the second-opinion doctor. These tests don’t need duplication; your second doctor will have the information he or she needs – and you don’t pay double.
10. Emotional stability
Your mental health is equally important as your physical health. Do you have blue days once in awhile, or struggle with gray winters? St. John’s Wort, an over-the-counter herbal supplement, has been proven to increase positive moods. Before rushing to your fa
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