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Is Medical Transcription Easy As Home Based Business?

A survey held in a private firm revealed 70 % of its employees wished they could sleep till late in the morning and not bother about reaching their office on time. Some of them did not wish to face their boss every morning! Well, this crude reality and wish may be denied by many on face, but how many of us would switch to a job offering equal or may pay, along with a lot of flexibility and no boss to face? You know the answer!

With online jobs becoming of the best options for many, working hours have changed to become convenient hours. There are lots of online job that many people are switching to. Quitting an average paid job to work from home with attractive package is no more a big deal. It happening globally, since the trend of online working is gaining momentum

One of those sectors that has been widely chosen and offers a good value for money is Medical transcription. This is one of the most lucrative jobs in the online sector which caters to the health care system. It deals with transcribing the vocal files to data files. Medical recordings of a patient, clinical, OP, IP or surgical, whichever, the doctor dictates the treatment and prescription which is recorded. These voice files are sent to medial transcription centers who work to converting these voice files into text files. These texts are again sent back to the hospital for data storage for further reference.

Since every transfer, to and fro happens on internet, you can be placed anywhere in the globe to be working. A medical transcriptionist needs to follow the doctor’s diction. The data has to be converted in a particular pattern and submitted. You can easily become a medical transcriptionist and work easily from your home. To take up this online job, there are a few pre-requisites.

You must have a good knowledge in English with grammar. Understanding the spoke style of English needs practice and listening skills. US English, UK English Australian English, each has a different tone, style, and slang. A transcriptionist must be able to understand the style spoken.

You must have a fast typing skill. The faster you can type, the more the work you can complete. Most medical transcription centers prefer graduates as a basic qualification. There are training courses for medical transcriptionists, and if you have undergone this training, you can be a better eligible candidate.

A medical transcriptionist enjoys a number of benefits. Some of them are as follows-

a. They are usually well remunerated.

b. Can work at ones own convenient working time

c. Can choose the amount of work one needs.

d. Being an online job, you can work from home, and can send quality time with family too.

e. With no traveling, you can save time; energy and money that you would other wise spend traveling.

f. As there is no age limit, you are always young and fit to be suitable for a online line medical transcription job

Due to so many advantages, people are very attracted to this sector of online job. All you need is a computer and an internet connection to get started.

When Your Health Insurance Plan Won’t Pay

The very nature of managed care health insurance plans increases the likelihood of a legitimate health insurance claim being denied. Bear in mind that managed care (health maintenance organizations, or HMOs, and preferred provider organziations, or PPOs) exist for the purpose of controlling costs for the health insurance company. Many health care procedures, surgeries, durable medical equipment and drugs, particularly the more expensive ones, require prior authorization from the health insurance plan before the plan will pay. Claims are reviewed to determine “medical necessity” of the claim. Health care services or products deemed “not medically necessary” will almost certainly be denied for payment by the health insurance plan.

Health insurance companies do make mistakes, however, and it’s certainly possible that a covered expense will be denied. What recourse does the health plan member have when one disagrees with the decision of the health plan? Here are some steps to take in dealing with a denial of payment.

1. Review the explanation of benefits (EOB) sent to you from the health insurance company. The EOB should state what services or goods were billed and briefly why benefits were denied.

2. Review your particular health insurance policy. What benefits does the health insurance policy state for the particular service or product? Should the claim be covered according to the policy?

3. Does the health plan have special criteria to be met in order for an particular expense to qualify as “medically necessary” and be considered a covered expense? For example, many managed care plans will cover drugs on their formulary. Other, nonformularly drugs may not be covered at all, or may be covered only if the formulary drugs have been tried and failed. An expensive MRI procedure may only be covered if certain symptoms are present. Check your policy to determine whether the expense qualifies as “medically necessary” by the health insurance company. Your health care provider must submit sufficient documentation to the health insurance plan to justify the need for the expense.

4. Is the health care provider “in-network” (contracted) with your health insurance plan? If not, does your managed care plan cover “out-of-network” (non-contracted) providers? Most HMO plans do not cover “out-of-network” providers; many PPOs will pay for services by “out-of-network” providers, but usually at at lower rate than paid to “in-network” providers.

If, after reviewing the health insurance policy and the EOB, you feel that the claim should have been a covered benefit by the insurance company, you should first request in writing that the insurance company provide you with the information that they used to base their denial of benefits. The health insurance company is required to provide you with this information on request. Review this information carefully. Many times the health insurance company was not provided with appropriate or sufficient documentation from the provider to justify the claim. If this is the case, contact the provider and request that they submit more medical records that support the claim for benefits. It may also be helpful for the provider to write a letter to support the claim in addition to the medical records. Your claim may be resolved in this manner.

All health insurance companies have a process in place by which plan members can appeal the decisions of the health insurance company. If providing further documentation does not resolve the dispute, then an appeal must be filed with the health insurance plan. Your provider may help you with this, and they may not. Read the member handbook and/or policy and follow the procedure for appealing the denial of the claim. Be prepared to submit more documentation to support your appeal. Keeping a record of all interactions with the insurance company is vital. Record all phone conversations and include the name of the person you spoke with, a brief summary of the conversation, and the date and time. File all correspondence sent and received, and have it readily accessible.

Bottom line is that health insurance plans are “for-profit” entities; in business to make money. They look for reasons not to pay. Indeed, their goal is to not pay, increasing their profits and keeping costs down for the members. It’s up to you to ensure that legitimate claims for covered benefits are paid.

A Single-Payer Federal Health System Structured to Promote Wellness

A wellness lifestyle is not a faith-based philosophy. It is a lifestyle shown by incontrovertible evidence to be effective at reducing the need for medical care while boosting quality of life. It is a disciplined approach characterized by reason, motivated by exuberance, grounded by athleticism and made possible by liberty. Liberty is viewed as the exercise of maximum personal and societal freedom.

Despite the Obama Administration’s success in getting the “The Patient Protection and Affordable Care Act” (PPACA) through Congress, medical care costs are higher than ever and expected to increase even more. Drastic action is needed.

The time has come for a revolutionary perspective, if we are ever to become healthy here (the U.S.) and healthy now (within the next couple years). Attention must be given both to the organization and to the purposes of an integrated health care system. What we have is a fragmented medical delivery business. It’s time to seek a new foundation for a system capable of supporting a national goal of citizen wellness.

The next health care debate should be addressed to absolute reform of the health sector from start to finish, from bottom to top. We need three separate but equal and interdependent goal parts:

1) vastly better health status outcomes;
2) dramatic cost reductions; and
3) improved medical care delivery.

Before continuing, please take a quick two-question quiz. Question one, and please make your best estimate right off the proverbial “top of your head,” is: How much does the average American spend annually for medical care, including drugs? OK?

Make a guess.

The answer is $7,960 per person, as of 2009. Let’s call it $8,000 a year – it’s probably closer to $9,000, now that two years have passed since the massive amounts of data needed to do this were analyzed. That is the average spent by every man, woman and child. How much did YOU spend on medical care last year? Chances are, it was not even close to this amount. The high average cost is due to extraordinary bills incurred by a small segment of the population-the aged, the afflicted and the masses who live worseness lifestyles and thus suffer terrible illnesses that otherwise might have been avoided. On second thought, maybe this latter category encompasses a majority of American adults.

One more question: What do you suppose other nations spend on health care? Well, the answer is “nothing close to what we spend.” The country that invests the most on medical care after us is Norway-$5,352 per person. Next in line of big health sector spenders are England ($3,487) and France ($3,978). (Source: “Health at a Glance 2011,” OECD Indicators, November 23, 2011.)

The practical implications of this American medical largess is that expensive medical care limits all other federal initiatives, it raises employer costs and thus inhibits salary increases while adding to our crushing Federal deficit.

To say it’s “the best in the world,” a claim ritually put forward by all Republicans vying for that party’s presidential nomination, is not consistent with our health status relative to other Western nations. We are spending far more while doing much less well.

No independent health care experts believe our system is the best; most in fact think it’s dreadful. A report from the OECD (the Organization for Economic Cooperation and Development) addressed this claim. The OECD concluded that claims that America’s health system is the “best in the world” “are not true.” (Maria Bartiromo, “Is America Faltering as a Health Care Leader?” USA Today, One on One, October 18, 2011.)

How, specifically, is it not true? Why do world health leaders fail to recognize what seems self-evident to patriotic, god-fearing, America-loving Republican candidates? Why do these foreigners miss recognizing the obvious-that ours is the best health care system in the whole wide world?

Let me review very briefly a few of the reasons that might influence their thinking:

* The focus of our system in on treatment, not prevention or wellness promotion.

* The costs of our medical services are greater than anywhere else.

* Our system is organized to deliver the most expensive services available, often when not even needed, which can have serious side effects.

* U.S. life expectancy is 78.2 years; Japan’s is 83 years and Western nations average 79.5 years. Republicans wave the flag of American “exceptionalism.” We’re exceptional all right. With respect to health, we’re exceptionally ill-not even average healthy. With respect to our system and to our health status, we rank with Chile and the Czech Republic. (Source: Robert J. Samuelson, “A grim diagnosis for our ailing health care system,” Washington Post, November 27, 2011.)

* We have fewer doctors per capital than other developed nations. This is not necessarily an unfavorable indicator, though we might benefit from a better ratio of primary care to specialized doctors. We could most benefit if we led the way not so much with more medical doctors but rather with more wellness coaches, educators, programs and incentives.

* The U.S. medical system favors more expensive procedures. Knee replacement surgery costs more in the U.S. ($14,946) than in France ($12,424) and Canada ($9,910). The same is true of most other categories, such as MRI exams and angioplasties. Yet, despite high costs, we do more of all these and other costly procedures.

We do derive value for the big bucks invested treating multiple disease conditions exacerbated by high-risk lifestyles. Patients with breast cancer have a longer survival rate by a factor of about six percent, though we fare less well treating diabetes and asthma. (Editorial, USA Today, “Dutch Treat – a medical system with full coverage, lower costs,” October 19, 2011.)

In summary, the U.S. health care system is, in fact, the best in the world-for doctors, hospitals, insurance and drug companies. Not, unfortunately, for individual consumers or American society.

Fee-for-service reimbursement encourages doctors to administer more services than necessary, adding to their profit and patient risks. Government oversight is minimal, despite the insistence of Republican politicians that medical care would be cheap and we’d all live forever if only government got out of the way of public-spirited free enterprise job creators.

My recommendation for better health now and here is a bit radical, but these are radically hazardous times. To control costs and promote health status, the U.S. needs a government-administered single-payer system. We need a national campaign to create a system that promotes REAL wellness education, lifestyle practices and socio-cultural supports. Little fixes will not reduce costs nor promote well-being. The situation is dire, financially and in terms of a population growing fatter and sicker. Revolutionary reforms must find their way to the negotiating table. The challenge is epic-it involves a fifth of the economy and 100 percent of the nation’s health.

Robert Green Ingersoll, America’s greatest orator of the 19th century, said: “If, with all the time at my disposal, with all the wealth of the resources of this vast universe, to do with as I will, I could not produce a better scheme of life than now prevails, I would be ashamed of my efforts and consider my work a humiliating failure.” Well, our challenge is far less daunting than producing “a better scheme of life. Out task is to design a better medical system that costs less than the one we have but does vastly more to promote health here and now, as soon as possible.