Major Medical Plans – Covering the Disasters Without Employer Health Care Coverage

Major medical plans are an alternative to what most people consider normal health care insurance. Major medical covers the costs associated with major medical events such as an extended illness, hospitalization, or surgery. It does not cover the cost of going to the doctor or getting a routine prescription. Most people are under the mistaken impression that the only health care insurance worth having is that which they get through an employer. But, that is actually far from the truth. People have been getting health care coverage without insurance since medical professionals went into business millennia ago.Major medical plans are an affordable alternative for many people. For younger people in good health, the extra cost of comprehensive employer health coverage is a financial burden from which they get few benefits. They might go to the doctor once a year for a physical. They might hit the doctor a second time if they get the flu or some other seasonal illness. But, the monthly costs out of their paychecks seem excessive. They are smart enough to realize they need some coverage though. That is where one of these major medical policies fit in.Major medical plans often go hand in hand with discount plans and health care savings accounts. Discount plans offer people costs savings when they go to pay for doctor’s visits or prescription drugs. The health care savings accounts provide coverage for the deductibles and other costs associated with paying for health care yourself. Having all three pieces in place provides the coverage people need without the high costs associated with an employer based health care plan. And it is scalable to what the person is comfortable paying each month. Once you get your health care savings plan up to the right level that you no longer have that expense until you use the contents of that account.Major medical plans are a good choice for people between jobs. Maintaining medical coverage makes sense. But the cost of COBRA is often too high for people to afford. A major medical policy will help cover the costs of any catastrophic event just in case until you can get an employer plan in place at your next job. If you have a chronic medical condition, you need to verify that you will not interfere with the ability to get coverage at your next employer. Take the time to get the information you need and you will reap the benefits.

Understanding Marketing Terms Used in Health Care Marketing

Whether you are attempting to do your own marketing, or you have hired a professional to work with you, the terminology will most likely be new to you.  The more you understand the terms used, the better you will be able to devise your own strategies.Unique “Selling”/Servicing Proposition
This is a term used since the 1940s to describe a concept in which a marketing campaign promised a specific thing. It refers to the uniqueness of a product or service that the competition cannot or does not offer.  The promise is so strong that it can draw customers away from other brands to that one. Successful medical marketing campaigns are built on unique “selling” propositions -or as applied to healthcare- unique servicing propositions that distinguish them from their competitors.  Look at your medical practice and determine what things make you different from your competitors.  For example, if you offer state-of-the art technology, not offered by your competitors, consider building your unique servicing proposition around that factor. Your unique servicing proposition should be the number one reason that a patient should choose you over any other heathcare provider.Return On Investment (ROI)
The success of your activities should be based on several factors, one of which should be your return on investment. When measuring your return on investment, look at the amount of money one of your marketing vehicles generated versus the amount you invested in it. If you do not breakeven based on your ROI, then you should reconsider whether or not to reinvest in that specific activity.Target Market
Your target market is simply your prospective patients. It’s the segment o the population that you want to attract to your medical practice. Knowledge of your target market is essential to developing effective strategies. Being aware of who you are targeting for your practice will help you spend advertising dollars wisely and most fruitfully. Your target market is made of several factors including the location of people that live in a certain area, the age, gender, and income of those people, and they type of service those people may want or need. Ignoring this important aspect of developing a health care marketing plan will negatively affect the outcome of your strategies.Pay-Per-Click
In today’s society, the Internet cannot be ignored as an integral part of your medical practice’s marketing strategies. The pay-per-click model is one example of Internet advertising.  This term refers to companies putting ads on websites but only paying if their ad is clicked on.  This model can work for your practice provided you manage your online campaign wisely. Customer Relationship Management
This is a marketing tool that refers to the management of patients in such a way as to track information about them and their interactions with the company. Collected data is used to attract new patients and to keep tight bonds with existing ones. This information can be analyzed and used to plan targeted marketing activities as you move towards achieving your goals.Qualified Lead
Once you’ve established your target market, qualified leads are people who are part of that market and have expressed an interest in your service.    After setting your goals-including determining your target market-the methods you use to carry out your strategy will more than likely bring you qualified leads. These may come through interested word-of-mouth referrals, from advertising efforts, or the Internet.  However they come, you need to have a plan in place with how to deal with these leads so that they don’t slip through your fingers.Whether you employ all, some, or none of the terms identified here, being aware of their definitions and uses is essential. By understanding what these terms mean and how they affect your marketing efforts, you can make informed decisions about the strategies you implement in your practice.

An Appreciation of Dr Franz Schonenberger – High Cost of Health Care Not New

Communities in the early 1900’s in Germany faced the same financial issues as we do today with health care cost exploding based on drug medicine, surgeries, and treatments. Then, as now medical science produced few cures and increased the barrage of illness that creates a burden on society. Officials in Germany, in hope of relief from the problem opened a nature cure hospital in 1927 with the hope that nature cure could lower those costs.Appointed to run this new hospital was Professor Franz Schonenberger MD. (1865-1933) Schonenberger was chosen because of his familiarity with the nature cure systems prior to becoming a medical doctor. After graduation from medical school his dislike of the medicine used he quickly drifted back to the nature cure philosophy. He was labeled a quack by his fellow doctors when he set up a practice as a nature doctor, which became successful in spite of the label. He advocated:
o Water treatments
o Light and air baths
o Small portions of meat and eggs
o Green salads
o CounselingSchonenberger’s treatments were simple and modest in while treating nearly 30,000 cases. He lectured on a regular basis and talked about the issues of why a person was sick in the first place. Each patient was individually questioned and treated according to their individual needs. His treatment cost was minuscule when compared to a visit to a regular hospital and that infuriated the medical doctors even more.During the nine years he ran the (hospital) renamed to University Clinic for Natural Living and Healing 25,000 patients, mostly poor received counseling and treatment. They received:
o 250,000 bath were administered
o 56,000 received electrotherapy treatments
o 4,500 received Swedish Massage
o Personalized counseling with each patient.The goal of cost reduction for the state was obvious as fewer people suffered from disease as hygiene and preventative medicine was taught along with the treatments. This same approach is needed today in America’s overburdened health care system. People who take responsibility for their health do not need a doctor except in trauma.