Sunday, 22 November 2009

Insurance health

Florida Health Insurance

and the Internet

by Tom Carolan

in Health

(submitted 2009-11-21)

votes

Medical insurance companies in Florida have begun to see that the Internet has revolutionized medical insurance. Those seeking health coverage no longer have to meet with insurance representatives who can take weeks to provide insurance quotes. In Florida, the quickest and simplest way to get the best insurance rate from the leading medical insurance companies in the state, such as Humana and Aetna, is to force them to compete for your business.

Like many, if you do not feel comfortable having to meet with different insurance agents and having them push their insurance policy on you, then you must learn more about medical insurance shopping on the Internet. Because there are so many Florida health insurance sites online that offer health insurance quotes, you must recognize the differences between each type. The two main types of sites that offer health insurance quotes to Florida shoppers are Insurance Agencies and Marketing Organizations.

Insurance agency websites are managed by an insurance agency. Keep in mind that it is important to use an independent Florida insurance agency that can make health insurance quotes available from the top health insurance companies in Florida. It is not wise to use the health insurance carrier websites because they are extremely time consuming.

Generally, the independent insurance agency sites on the Internet will have a feature that you can use to request an insurance quote. But there is an even better way to request your quote when you look for a site that has instant and LIVE insurance quotes available. This method is an extremely quick way to receive a Florida health insurance quote from top health insurance companies in the state.

The second type of site is run by Marketing Organizations who do not sell insurance. These organizations are not regulated by insurance departments and they usually do not know anything about Florida health insurance. Even though they are not concerned with insurance details, these sites make a very appealing service available.

These organizations work as a middleman between insurance shoppers in Florida and insurance agents in the state as well. When a woman in Miami, FL makes a request for a health insurance quote, the marketing company will then advertise her information to 5 or more Florida insurance agents as a lead.

This leads to at least 5 insurance agents seeking you out for your business with their company. Aside from any privacy issues and the knowledge of the health insurance agents, you will have plenty of contact from the insurance agents who receive your information. You will receive plenty of emails and phone calls!

When you opt for the sites that allow instant and LIVE Florida health insurance quotes, you get the best of both types of insurance sites. First, you can have competitive pricing when you see all the quotes next to each other from top Florida health insurance companies. This is the best quality of the marketing organization sites. Or, you can have personal help from an insurance expert, which is the best quality of the insurance agency sites. When you use the Internet, you can view the best quotes side by side and you can never do that with the traditional methods used for seeking out insurance quotes.

About the Author

http://www.BestHealthcareRates.com has helped thousands of individuals, families & businesses find affordable medical insurance or family medical insurance. BestHealthcareRates.com is Rated A+. For more information visit, http://www.BestHealthcareRates.com today!

http://healthcareman-dobi.blogspot.com/search/label/insurance%20health

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News

Patient 'killed unlawfully' by GP

By Nick Triggle and Emma Wilkinson
Health reporters, BBC News

An overseas doctor employed to provide out-of-hours care unlawfully killed a patient, a coroner has ruled.

German GP Daniel Ubani - on his first NHS shift - gave patient David Gray, 70, an overdose of diamorphine.

He was working for Take Care Now, a company that provided care in Cambridgeshire.

Coroner William Morris said the doctor had been "incompetent" and called for a shake-up of the out-of-hours care system to ensure patient safety.

“ We want to see him tried under UK law for his death but we also want safeguards put in place nationwide to prevent this happening again ”
Stuart Gray

He said Dr Ubani had made "a gross error" and was "not of an acceptable standard" in carrying out his duties in Cambridgeshire in February 2008.

But he also criticised the "insufficient induction" he was given by Take Care Now as well as the NHS system which meant his skills were not properly assessed. The company's contract has now been terminated.

Mr Morris called for a review of European regulations which allow free movement of doctors, a national database of overseas doctors applying to work in out-of-hours services in the NHS, and more consistent standards in monitoring by local health chiefs working for primary care trusts.

A second patient Dr Ubani had treated - Iris Edwards, 86 - was ruled by the inquest to have died of natural causes.

Dr Ubani had had an application to work in the UK rejected by the NHS in Leeds because of inadequate English.

But he later got approval in Cornwall after they did not test his language skills.

Mr Morris also said there should be better assessment by the NHS of overseas doctors' ability to work in the UK.

'Profound apology'

Cambridgeshire Primary Care Trust issued a "profound apology" in court to the families of David Gray and other patients treated that day.

The PCT said Dr Ubani had delivered "substandard and dangerous treatment", and it apologised for "these failures and failures in the system".

Mr Gray's son Stuart, who is a GP, said: "My father's tragic death happened because of Dr Ubani's actions and because of serious failings within the Cambridgeshire Primary Care Trust and Take Care Now.

"We want to see him tried under UK law for his death but we also want safeguards put in place nationwide to prevent this happening again."

He added that proficiency in English should be an requirement for those applying to work as doctors in the UK and that there should be mandatory training before overseas doctors start work for the NHS and training on out of hours systems needs to be an essential part of that programme.

Peter Walsh, chief executive of Action Against Medical Accidents, said there are "systemic failings" which could affect anyone using out-of-hours care and called for an urgent wide-ranging review.

NICK TRIGGLE, HEALTH REPORTER BBC NEWS AT THE INQUEST
It was an innocuous setting from which from which to lay bare the failings of the out-of-hours GP system.

But the verdict given by William Morris at the coroner's court in the Cambridgeshire town of Wisbech could end up being the catalyst the system needs.

His 70-minute reading raised serious questions about the standards of care provided not only to David Gray but everyone who needs help at night and at the weekends.

The coroner did not leave anyone out. He criticised everyone from the government and General Medical Council down.

How was it, he asked, that a doctor who was unfamiliar with the NHS, whose first language was not English and who was tired from travelling from his home in Germany was allowed to see patients with very little support?

That, in a nutshell, is the crux of a very complex issue - and one that everyone involved in the system is now trying to answer.

"No-one in their right mind would design out-of-hours services they way they currently exist across England if they started with a blank piece of paper," he said.

Mr Gray was suffering from renal colic when he was given 10 times the normal amount of the painkiller diamorphine by Dr Ubani at his home in Manea, Cambridgeshire on February 16 2008, and was pronounced dead fours hour later, the hearing was told.

In April 2009, the German authorities gave Dr Ubani a nine-month prison sentence, suspended for two years, and he was ordered to pay a £4,500 fine for causing Mr Gray's death by negligence.

But he continues to practise as a cosmetic surgeon in the west German town of Witten.

The German conviction meant he could not be extradited to face possibly more serious charges in the UK.

Ms Edwards' case was not part of the criminal inquiry, although medical experts believe she was inappropriately treated and should have been sent to hospital.

Mr Gray's family are now appealing to the European Court of Human Rights as the German authorities have refused an extradition request because of the action taken against him.

'Unacceptable variation'

The government, which had carried out a review of out-of-hours services in advance of today's verdict acknowledged improvements in the system were needed.

Changes will be made in the coming months but it is not yet clear whether they will meet the demands of the family or the coroner.

Dr David Colin-Thome who led the review said: "The quality of out-of-hours care for most people is better than it was in 2004 but there is unacceptable variation in how services are implemented and monitored around the country."

Responding to the coroner's inquest, Christine Braithwaite, head of investigation and enforcement at the CQC said: "The death of David Gray was a tragedy.

"It should not have happened and such an incident must not happen again.

"The coroner has clearly highlighted what went wrong.

"Take Care Now, and the PCTs that commission its services, must learn the lessons."

The Patient's Association said they had repeatedly called for PCTs to take their responsibilities on out-of-hours care seriously.

"The urgency of the out-of-hours situation is critical. Every PCT or equivalent throughout the UK should reassure their patients that the out of hours service for which they are paying is safe."

Health

Sunday, 22 November 2009

Insurance health

Florida Health Insurance

and the Internet

by Tom Carolan

in Health

(submitted 2009-11-21)

About the Author

No comments:

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