Florida Public Health Adjusters and Health Care Reform

July 9th, 2010

The State of Florida licenses Public Adjusters to represent individuals in claims against insurance companies. Typically, a Public Adjuster works in areas of property losses, such as a home damaged by fire. The PA investigates and evaluates a claim and works to maximize the recovery of the homeowner.

A relatively unknown area of licensing in FL is the Health Public Adjuster. This job involves maximizing the recovery of health insurance benefits by a claimant. The HPA works to negotiate coverage, when coverage is limited or denied. Like other Public Adjusters, the HPA is paid a contingency fee which is a percentage of the recovery. While Public Adjusters are required to serve a 1 year apprenticeship, complete the Accredited Claims Adjuster Designation and pass the state test, these requirements do not apply to the Health Public Adjuster (3-40).

Florida Insurance University, a partner with the University of Central Florida in Orlando, is introducing a the Public Health Adjuster Designation. This designation will prepare the new HPA for the job challenges ahead with Health Care Reform. It is predicted that once health care reform is implemented, there will be an enormous volume of clients who will need assistance in getting bills for medical treatment paid.

Licensing for the Health Public Adjuster license involves applying to the Department of Financial Services for the license, submitting fingerprints and posting a $50,000 bond. The bond can be purchased from any insurance agency that sells surety bonds.

The Public Health Adjuster Designation from the University will identify those adjusters who have the training and knowledge to properly represent clients in health care claims. In a job market that is suffering from high unemployment, the Health Public Adjuster will be in great demand. More information can be obtained by calling (407) 927-1235.

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July 20th, 2010

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Debt consolidation service

July 14th, 2010

Debt consolidation services are specifically calculated to combine some, or even all, of your current credit compulsion and bills into one smaller easy to direct payment. Debt relief can help you keep or repair you credit score, thus enabling you to achieve even lower interest rates on your future large purchases. People you owe, you will be able to unwind a bit, sleep better and center on the future.

Cash assistance in online

July 14th, 2010

Like most people who have sudden need of money are more often faced with emergency situations, the process of obtaining a payday loan has been made easier. It is not necessary to wait for weeks or even days before receiving the money because it is essentially a short term loan. There are some problems that must be answered when you get the request. These will be relatively easy for you to meet. These and other requirements may vary from one company to another line. Just be aware that most of the time, the minimum requirements must be employed and have a bank account. The fast cash loans are a species of the fastest way to get an electronic deposit to your checking or savings account in order to avoid costly bounced check or penalties.

Solve debts problems

July 14th, 2010

Shopping is my weakest link. I’ve been trying my hardest not to do any shopping for the last two thrice before doing any fast cash loans purchases. I got a call and offer from a bank executive to open another credit card with loans online facilities. I said no immediately, I already have 4 credit cards and I think that is more than enough. I don’t need another plastic temptation. So for fast solution I got the latest loans online. I did well, but it was indeed a hard battle. I still have 2 more weeks to go before my shopping ban ends. I have this pink watch that I’ve been so addicted to buy new stuffs. It’s hard to be out of cash so I limit my spending more unlike with plastics I have this “no-nonsense attitude”. I did some shopping but not for me and I used cash. I do think twice or even

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July 12th, 2010

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The Vital Role of Public Health Nursing

July 7th, 2010

A survey done by the Department of Health of United Kingdom reveals that about 74% of adults in United Kingdom consumed an alcoholic drink daily. Worse still, more than 37% individuals reported they didn’t know the harmful effects of addiction to alcohol. These statistics reveal two things and they are as below:

- Adults getting addicted to alcohol and
- Adults are unaware of the health consequences.

These worrying signs could be replicated to almost any country. That is probably why public health nursing plays a key role in curbing this menacing statistic.

A public nurse would work to create awareness in the community about certain health issues. They identify the health care needs of a population and further, find out the needs depending on the sub-populations, families etc. This way, families who could be at a risk of infecting a certain disease receive immediate healthcare aid thereby ensuring good health at all times. The public health nurses normally adopt a systematic approach to finding a fix for the health care needs of a society. They would meet community heads, families and study data related to the general health of the section of the society.

Bio-terrorism and epidemics are a serious threat to any society, and public health nurses with their regular campaigns work to ensure people are constantly updated about these issues and how to tackle them, if and when they arise. Most importantly, they would also study the possible risk factors to health of a society based on the demography of the society. For example, a public health nurse would counsel and advocate health protective measures to a society if it is in the vicinity of a chemical factory. In such an example, the nurse would counsel on what needs to be done in case of a chemical leak and so on.

Public nurses take a scientific approach to help them fix some health issues plaguing the society. Basically, they educate the society about possible health problems and ensure that the society and the community, as a unit responds to any health challenge posed to them. They also help in providing healthcare aid in the event of a community epidemic. By all counts thus, the role of a public health nurse in ensuring good health of individuals, cannot be discounted.

Treating the Flu, Chronic Ear Infections, and Other Respiratory Infections

June 29th, 2010

OSTEOPATHIC MANIPULATION TREATMENT (OMT) SAVED LIVES DURING THE FLU EPIDEMIC

Before there were antibiotics and flu shots, many people died of flu and other infections. Osteopathic physicians used OMT to help boost the patient’s immune system and to aid the body in fighting off the infection. During the deadly Swine Flu epidemic in the early 1900’s, the death rate for patients of osteopathic physicians who used OMT was much lower than those of MDs.

WHY WE NEED THE OSTEOPATHIC APPROACH TODAY AND HOW IT CAN HELP YOU

As concerns mount about antibiotic-resistant super bugs from the overuse of antibiotics, the threat of pandemics including Swine Flu, the risks of flu shots and the long-term effects of chronic ear and respiratory infections in children, maybe it’s time to learn about the benefits of this effective, century old treatment, call Osteopathic Manipulation Treatment (OMT) used by osteopathic physicians.

ANTIBIOTIC RISKS

One reason why the osteopathic approach can be helpful is that is provides another effective treatment other than antibiotics. There is a great deal of controversy about the over-use of antibiotics for ear and respiratory infections. Because of this over-use, there are now bacteria in the environment that are no longer susceptible to any antibiotic now available. There are no guarantees that the pharmaceutical companies can develop a new, stronger, more broad-spectrum antibiotic for the next generation of resistant bacteria. If we do not turn around this trend, we may find ourselves back in the pre-antibiotic age. Research shows that 80% to 90% of all ear infections heal on their own, and children who do not receive antibiotics actually heal faster and have fewer recurrences. By treating every ear infection with antibiotics, we only succeed at increasing antibiotic-resistant bacteria and prevent the patient from building up his or her own immunity, thus setting the child up for more infections.

WHAT ABOUT THE FLU SHOT?

My patients often ask me if they should get the flu shot. Getting any vaccine should be a personal decision. In Texas, parents have the right to opt out of having their children vaccinated for everything if they so wish. And if they do opt out, the children can still attend school. There are about 17 other states that allow opting out of vaccinations for personal reasons. Other states usually allow opting out for a medical or religious reason. To my knowledge, the flu shot is not required in any state.

I recommend that people thoroughly educate themselves concerning the risks and benefits to getting, or not getting, any vaccines. However, it may be difficult to get all of the information needed to make a good decision about vaccines. If the doctor has received her information from the pharmaceutical company who is selling the vaccine or from another doctor who is working for the company, that information may be biased to help market the product. The news media may also get their information from sources that have a similar bias. So it can be very difficult to decide what to do.

THE SWINE FLU SHOT DEBACLE OF 1976

In 1976, when the last Swine Flu vaccine was made and administered to the American public, it was found that the public did not get the full truth about the potential side effects of the vaccine. More people died of the flu vaccine that year than died of the flu. According to physician and Congressman Ron Paul, the government suspended the use of the vaccine because there were so many deaths. I feel badly for the families of those who died or were injured from the vaccine before that information was known and its use was suspended.

In addition to the deaths, according to Mike Wallace of 60 Minutes, there were 4,000 injuries resulting from taking the Swine Flu vaccine in 1976. Many of those injuries were neurological and permanent.

The government had a similar response to the flu in 1976 as what they are doing now. In 1976 when one soldier died from the flu after he went on a forced march even though he was ill, the rest of the soldiers were tested. Only four were found to have the Swine flu and they all recovered completely without taking a vaccine according to Wallace’s report. Based on this one death, the government called for everyone to take the vaccine. Later the vaccine was withdrawn but much damage had already been done. According to Wallace, the government studies had shown that neurological damage could occur but the government did not warn the public so that they could make an educated choice for themselves. See 60 Minute video at this website.

I think it is important to look at the past to help make decisions in the future. I have to ask the question, if the government kept that information from the public then, could they be doing the same thing now?

It had been reported that this Swine flu of 1976 presented as no worse than a bad cold. If the soldier who died had not gone on the march while ill, would he have died? How do we know that the Swine Flu hasn’t been here every summer, but no one has ever been tested for it? We might have thought it was only a “summer cold”. One of my patients was sent home from camp when she appeared sick and others at the camp had tested positive for flu. She also tested positive for flu, but her mother remarked that she hardly seemed sick at all, more like a cold. At the time of this writing there have been several deaths attributed to the Swine Flu which is now referred to as H1N1.

This year has been interesting because it appeared that the flu was present in some areas, all spring and summer, not just in the winter as the seasonal flu is thought to be. Because of the deaths in Mexico, a red flag went up, that this could be a significant flu. Doctors and public health departments began testing for the Swine Flu. They found it. Many people tested positive, many schools were closed and much fear was expressed. It seemed that for many people though, the Swine Flu was manifesting itself as nothing more than a bad cold. Why did some people die while others had only a bad cold? Could it be that there were differences in the people themselves? Could it be that the ones who died were already sick with something else or were unhealthy to start with or had stressed themselves physically? I would like to know more about the health condition of those who died and those for whom the flu was only a bad cold. As I was writing this, a woman in my community died from Swine Flu. It was reported that she had other medical conditions that may have put her in the position to have a more serious reaction to the Swine Flu virus. I think the health departments should be looking at those differences and informing the public about them. What kinds of illnesses did the people have who died from the virus? I think they should be telling the public how to be as healthy as possible so if we get sick, we are more likely to fully recover. I think they should also be telling us all the potential risks of taking the flu vaccine.

A few years ago, on The Today Show, a couple from Colorado whose son had died from the flu, expressed to the watching public that they regretted not giving their son the flu vaccine. He had died and they were encouraging everyone watching to not make the same mistake they felt they had made. Four children from Colorado had died from influenza that same year.

Someone from the Colorado public health department was also on the show to discuss this issue. Matt Lauer asked the public health official how many children died who had been given the flu vaccine. The health department person replied, “Several.”

If four children died and only one of those four had not been vaccinated, why did they choose the parents of the one child who had not been vaccinated to be interviewed on The Today Show? If three children died who had been vaccinated and only one died who had not been vaccinated, the odds certainly point to not vaccinating, yet the public only heard the plea from the parents who did not vaccinate. Seventy-five percent died who received the vaccine while only 25% died who did not. Why are we not being given that information?

Is the government overreacting and putting fear into everyone over something that may only be a bad cold? The millions who died from the 1918 flu epidemic died mostly from pneumonia that developed secondarily to the flu. There were no antibiotics then as we have now and medical knowledge was very different then as well.

According to Ron Paul, there were 13,000 cases of Tuberculosis (TB) in the US last year alone. Yet no one appears to be panicking about that. Why the scare over an influenza that has not been shown to be much more than a cold for most people?

The virus in each year’s flu vaccine is actually a guess. There is no way to know which strain of influenza will appear each year, so the drug companies have to guess at which ones to put into the vaccines. They put several into each vaccine, so it increases the odds that at least one of the strains that actually appears, will be in the vaccine. As we have seen, there are years when the vaccine just doesn’t seem to be much benefit.

It is important to have a healthy immune system so that when we are exposed to bacteria and viruses our body’s immune system can step in and handle whatever the exposure is.

When my Mother was diagnosed with terminal lung cancer, I knew that the chemotherapy she underwent would lower her immune system and make it harder for her to fight the cancer herself. To offset this, I gave her nutritional IV’s, many oral supplements and even shots of some nutrients. She used visualization to make her immune system stronger. Instead of being dead in 2 months, as was predicted, she was cured of the cancer in 4 months and lived 18 more years without a recurrence of cancer. She continued to take nutritional supplements for the rest of her life, she opted to not take the flu vaccine each year and even though she lived in a retirement facility with many other people, she did not get the flu.

Even though there was a death from Swine Flu in my community, I am not going to get the vaccine myself. I don’t get a flu vaccine for two reasons. First I am concerned about the levels of mercury used. There is still 25 mcg of mercury in the current flu shots. Second, the body’s immune system gets stronger and works better if it has a chance to get sick and recover on its own. I will take nutrients like vitamin C and other anti-oxidants. If I should get the flu, I will use my gentle Osteopathic Manipulation Treatment (OMT) to help get well faster.

HOW OSTEOPATHIC MANIPULATION CAN HELP AND WHY I USE IT

I use gentle manipulation modalities that help drain the fluid from the ears, head and neck and enhance the immune system. In my office, I have measured ear fluid with a tympanogram and then treated the patient with manipulation alone. A recheck of the ears, with the tympanogram immediately after the treatment, has revealed some dramatic improvements in fluid levels in the ears.

I teach parents how to do this treatment at home on their children for ear infections. I also recommend that they use it for all respiratory infections and flu as it can be very helpful for children and adults. This is the same type of treatment that osteopathic physicians used in the early 1900’s to treat Swine Flu. It helped save lives.

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June 11th, 2010

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June 11th, 2010

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