Hospitals Health

The Hellenic Republic consists of over eleven million residents with a little over five percent are immigrants. With a low population growth and death rates also low, this makes the median age quite high among the European countries. There are many health related issues with immigrants and tourists. These include diarrhea, cholera, E.Coli diarrhea, hepatitis A and B, typhoid fever and a whole host of issues from bacteria, parasites and other viruses. With temperatures that reach the forties in the Celsius scale, the system of health care in Greece thus becomes an issue when in the country.

There have been many moves designed to improve the system of health care in Greece. This despite the fact that the country has been chosen as among the best systems in the world by the World Health Organization. The system of health care in Greece is a mix of both social insurance working with the Greek National Health System. This homogeny makes the overall cost of health care in Greece amongst the lowest in the European Union. The allocation of the government for health care is also low, with general focus of the disbursement of the funds in public hospitals in the highly urbanized areas of the country. The disparity of health care in the urban and rural areas create the perception of low quality, despite the modernity of the public hospital facilities in the cities.

The European Union has made inroads in upgrading the current system in Greece, through aid programs for the establishment of hospitals, creation of mobile medical facilities, improvement of emergency care systems and the use of cutting edge medical equipment not only in the urban hospitals but also in the rural hospitals. The National Health System also provides health care services at free or low cost for those individuals contributing to the social security system. The free services include free laboratory services, maternity care, installation of life saving devices and transportation for the sick and infirm. For European Union citizens visiting the country, they can also avail of these menu of services with their registration using a E111 form.

Specialists in the system of health care in Greece can be consulted directly but many experience long lines to avail of their expertise in public hospitals. Patients can go instead to private specialists and reimburse 85% of the cost from the Idrima Kinonikon Asfalisseon, the Greek National Health Care System oversight body. As for dental and eye procedures, these are free under the system. Non-essential medication and health accessories though are charged for their full cost.

Emergencies are provided free regardless of nationality or coverage. Many public hospitals have smaller outpatient clinics to assuage the congestion in the main hospitals. These also provide specific and quicker medical care than the larger facilities. As for European Union citizens, the E106 can be the lifeline for an individual while in the Greek isles. As for retirees, the Greek system allows for full benefit of state health benefits while receiving their pensions from their home country social security system.

The system of health care in Greece receives high marks for its quality while the quantity of services leaves much room for improvement. As advised in the Expat Forum, you need to understand that “expatriates who are working in Greece and pay regular contribution to social security may be entitled to full or subsidized health care benefits. In such cases, private health insurance can cover the portion of the bill that cannot be covered by the government.”
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If you or a loved one believe that a mistreatment or series of mistreatments have occurred while at a nursing home, your concerns may be actionable – meaning there may be grounds for a lawsuit – but it depends on the facts and circumstances.

In Illinois, the Nursing Home Care Act protects residents of long-term care facilities. This means people in nursing homes and shelter care facilities are protected from abuse and neglect under this law. It does not apply to hospitals or community living facilities (other laws would be applicable at those types of facilities).

There are three major categories of nursing home neglect or abuse – physical, mental and financial. Physical abuse includes beating, forced ingestion of medication or food and even sexual abuse. Also considered physical abuse is neglect – where the resident is not fed or assisted with basic hygiene.

Mental abuse includes humiliation or threats or taking away certain freedoms, such as confining the resident to his or her bed when it is not medically necessary.

Financial abuse includes overcharging and stealing. It can also include convincing the resident to leave the facility or a specific staff member in his or her will.

Depending on the degree and nature of the abuse, the first thing you might want to do is remove the resident from the facility. Next, before seeking the assistance of a lawyer, you might want to consider other avenues for resolving the issue, such as the following:

- The facility’s family council – this is like a student council but for residents’ families – may be able to help.

- Your state’s long term care ombudsman may be able to resolve complaints. In Illinois, the long term care ombudsman can be found at the Illinois Department of Aging.

- Your state’s regulatory agency may also be able to resolve complaints. In Illinois, nursing homes are regulated, licensed, inspected and/or certified by several agencies, including the Illinois Department of Public Health.

If you cannot resolve the issue through one of the means above or if the issue is not able to be resolved because, for example, the resident has died, your next step may be to hire an attorney. It is strongly recommended that you hire an attorney who has extensive experience in nursing home abuse and neglect law. There are several facets to bringing such a case – medical experts, jurisdictional issues, etc – and only an experienced lawyer in the area of nursing home abuse and neglect will be able to represent you properly.

If you are concerned about the cost of hiring an attorney, note that these cases are typically handled on a contingency basis. This means if you recover nothing, you owe nothing to your attorney. If you do recover a settlement or other award, your attorney is paid a portion of that amount.

Lastly, also note that under the Nursing Home Care Act, you are protected from retaliation by the facility. This means they cannot retaliate against you for bringing the lawsuit or for testifying against the facility.
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In any country there has to be proper health care facilities to take care of the needs of its people and visitors. On the island there are numerous centers, hospitals and services, both public and private. Hospitals in Jamaica are both public and privately owned and one can be found in any of the fourteen parishes.

The Ministry of Health is the government body that is responsible for monitoring, formulating, implementing and administering policies in the health care.

This ministry has direct responsibility for all public facilities which includes the hospitals. In the earlier part of the 80′s it was estimated that there were twenty-two general hospitals that were providing for both outpatient and inpatient persons.

From that total there were seven hospitals that provided specialized services which included one of each for pediatrics, maternity, cardiothoracic and tuberculosis surgery, mental disorders, physical rehabilitation, leprosy and terminal care.

The major hospitals that are publicly owned are the University Hospital at Mona, Kingston Public, Mandeville and the Cornwall Regional in Montego Bay. They are all governed by partly self-governing regional administration boards.

When you compare Jamaica to the other islands in the Commonwealth they have a ratio of beds in the hospitals that are somewhat low for the population. The last estimation was carried out in 1985 and that showed that there were 5,700 beds that were provided for in the public hospitals.

At this time also the private hospitals on the island was only six and provided 300 beds. However, based on the number of years since then this figure could be significantly higher for both the public and private institutions.

Hospitals in Jamaica all fall under four different regions, there is the South East Regional Health Authority which covers the parishes of Kingston and St. Andrew, St. Catherine and St. Thomas. There are ten hospitals and eighty-nine health centers that fall under this network; five of the hospitals are national referral or specialist facilities.

The estimated bed capacity in this region is 2,755 and they served nearly 1.7 million persons. In addition they get referrals from the other Caribbean islands from time to time.

Next, there is the Western Regional Health Authority which encompasses the parishes of St. James, Trelawny, Westmoreland and Hanover. There are four hospitals and eighty-two health centers in this region.

They provide services for approximately 0.45 million of the population and has a bed capacity of six hundred and eleven. The Cornwall Regional is the chief of the four hospitals in this region and handles most of the serious cases.

Then we have the North East Regional Health Authority which covers the parishes of St. Ann, St. Mary and Portland.

There are four hospitals with a total of four hundred and six beds and eighty-two health centers. This region serves about 0.35 million people in these health facilities.

The final area is the Southern Regional Health Authority which serves the parishes of Clarendon, St. Elizabeth and Manchester.

There is the total of 536 beds in the five hospitals and ninety-four health centers. This region provide health care for almost 0.54 million people.

There is one public hospital that somewhat different in the service that it provides; this is the University Hospital of the West Indies.

They have teaching facilities and have total of 494 beds, providing services in surgery, community health, pediatrics, gynecology and obstetrics, general and psychiatry services.

Jamaican hospitals whether public or private can take care of most health conditions that will occur on the island. The differences with the private institutions are that they are usually expensive, service oriented, small and most times associated with religious corporations.

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State Departments of Insurance report that dissatisfaction with claim settlements is the top reason consumers file complaints with them. Sometimes it is the fault of the insurer, and sometimes it is the policyholders’ fault for not having the right coverage.

Today, I’m going to walk you through the process of filing an Because of the convenience and efficiency that the internet allows us to accomplish our tasks, shopping for car insurance online has never been more popular. And there are a lot of reasons for this. Shopping for car insurance online is faster and it leaves you with enough time and privacy to come up with a sound decision regarding the type of policy you would get and from which car insurance company you would get your policy from. You are able to save time, energy and money compared to driving around from one insurance company’s office to another. claim complaint. I’m going to use the process here in the state of Georgia, where I live. The process in your home state will be very similar, and can be found at the website of any state’s Department of Insurance. Or, you can phone your Department of Insurance and they will likely either tell you how, or send you printed information on the complaint process.

You may file a complaint with the Department of Insurance if you cannot resolve your dispute directly with your company. You can even file your complaint if you haven’t been through the appraisal process (found in your policy).

The Consumer Services Division of the Department of Insurance provides consumer information and investigates complaints about companies and producers. They handle most insurance problems involving home, business, auto, health, HMO, life, credit, dental, etc. Those problems may include coverage issues, claim disputes, premium problems, sales misrepresentations, policy cancellations, and refunds, just to name a few. They will also investigate a complaint against a Public Adjuster.

The Consumer Services Division will not:

o Give you legal advice or act as your attorney;
o Recommend an insurance company, agent or policy;
o Resolve a dispute when the only evidence is your word against the word of the adjuster, producer or company;
o Make determinations related to the facts of a case. For example, they will not conclude who is at fault in an accident or determine the disputed value of damaged or stolen property;
o Resolve complaints against service providers, like body shops and restoration contractors unless the complaints involve the action of the insurance company. For example, they could resolve complaints against a restoration contractor that the insurance company required you to use;
o Make medical judgments.

The Department of Insurance recommends:

o Read your policy carefully. It is important to know what your policy covers prior to having a loss. If you have questions on the coverages you have purchased have your Agent provide you an explanation.

o Keep copies of all correspondence between you and the insurance company. When communicating with your insurance carrier keep track of the phone numbers you called, the date and time of the call and the name and title of the individual you spoke with. After the call keep notes on what was discussed.

o Ask the company for the specific language in the policy related to your claim. Determine whether the disagreement is because you and the insurance company interpret your policy differently. If there is a disagreement on the language in the policy you can seek assistance through the Consumer Services Division by filing a complaint and providing the documentation which will include the policy language in dispute.

o If at all possible take pictures or videos of your contents in your home and do this periodically which will help in the event of a loss. Keep the pictures or video in a safe deposit box or somewhere other than the home.

AVOIDING AUTO AND HOMEOWNER CLAIMS

o Keep all receipts for repairs you make to your property after damage. Auto and homeowners policies may require you to make reasonable and necessary repairs to protect your property from further damage. Your policy covers the cost of these repairs. Keep the damaged property for the claims adjuster to inspect. If possible, take photos or videos of the damage before making temporary repairs.
o Don’t make permanent repairs until the adjuster has inspected the damage.
o Ask the adjuster for an itemized explanation of the claim settlement offer. For homeowners claims, this should include sales tax, depreciation, and holdback depreciation for policies with replacement cost coverage. Holdback depreciation is an amount of money withheld from your claim settlement until repairs are finished or the items are replaced. Ask how the adjuster determined the estimate amount.
o Be prepared to discuss your claim if there is a disagreement on the settlement offer. The more documentation you have on items owned will make the process easier.

If you do have a claim dispute, contact your insurance company first.

When contacting your insurance company have your policy number ready. Ask where your written dispute needs to be sent. State your complaint and how you expect the company to resolve it. Sending the dispute in writing encourages a written response.

Document your phone calls by noting the phone number you called, the name of the person with whom you spoke, the date of the call and a brief summary of the conversation. Keep copies of all written communications.

In addition to the written complaint, send copies (not originals) of letters, notes, invoices, canceled checks, advertising materials, or other documents that support your complaint.

The DOI Complaint Form

The DOI Complaint Form is a document that can be completed, printed and submitted with copies of documents that support your complaint. Obtain this form at the DOI website or phone them and request a copy be sent to you by mail. This will enable them to set up a case and eliminate the need for them to request documents, and reduce the delay in providing a response. Always keep your original documents for your records.

To help ensure that the Department of Insurance receives all necessary information to investigate your complaint, include the following information with your complaint:

* your name, address, daytime telephone number and email address

* the exact name of the insurance company

* the full name of any agent or adjuster who may be involved

* your policy number

* your claim number and the date of your loss, if applicable

* a copy of both sides of your insurance card

* a concise description of your problem

* copies of all supporting documentation, including invoices, canceled checks, advertising materials, and any letters between you and the company or agent.

What will the Department of Insurance do to resolve your complaint?

* Send a copy of your complaint to the entity you complained against and request a detailed written response.

* Determine if your issue was handled appropriately under the terms of the policy or certificate of coverage.

* Review your file to determine if the insurance company, insurance agent, or adjuster violated state insurance laws.

* Take enforcement action when laws are violated.

Even though they may not always be able to help you resolve your complaint, your complaints and inquiries help the DOI to assist other policyholders by identifying issues of concern and may help identify potential problems with insurance companies, agents, or adjusters. Their involvement can also cause insurance entities to look more closely at your concerns.

What happens after you file a complaint with the Department of Insurance?

* You will receive an acknowledgment letter, advising who the investigator is and their contact information. Your Case Number shown on the letter is for the issue submitted to the Department. The case number should be used to send additional information to the Department on your case.

* If you have future complaints you will get a new case number, acknowledgement letter and the new investigators name and contact information.

* The DOI will notify the company of your complaint and ask for a detailed response. They will send you a copy of the company’s response, with their formal letter regarding the completion of our investigation. The review will result in one of the following actions:

o If the complaint has been resolved, they will send you a letter explaining the resolution.

o If an insurance law has been violated, they will request corrective action by the company.

o If the company is not abiding by the policy, they will request corrective action.

o If the insurer or producer has not responded to all questions or has not investigated the complaint thoroughly, they will require them to do so.

What happens if you are not satisfied with Department of Insurance results?

If you disagree with the Department’s response to your complaint, contact the Consumer Services Division and ask to speak with a Supervisor.

You may wish to consult an attorney to discuss your concerns. You may also request alternative dispute resolution (ADR) to settle disputes with your insurance company on property claims. ADR uses techniques such as mediation with a neutral third party to help settle a dispute outside a formal court of law. Please consult your telephone book for listings for attorneys and mediation services.

Now you have a basic knowledge of the complaint process. Remember, the Departments of Insurance exist to regulate insurance companies and protect consumers. Don’t be shy about enlisting their help. That’s why they exist.

Medical and insurance industry pundits agree the transition to electronic medical records will result in substantial cost savings for patients. Huge medical groups and publicly-traded hospital corporations – the first health care groups to turn mountains of paperwork into racks of computer servers – talk about millions of dollars in annual paperless savings with their shareholders.

But some hospitals and doctors think the Obama administration is moving too fast in its efforts to promote the transition to electronic health records, according to the New England Journal of Medicine.

At issue is a proposed regulation that spells out what hospitals and health providers must do in order to receive incentive payments for “meaningful use” of electronic health records. Thanks to the economic stimulus legislation, the Centers for Medicare and Medicaid Services (CMS) will pay up to $17 billion starting in 2011 to hospitals, doctors and other health providers that meet these standards.

To be clear about what amounts to an economic mandate, by 2015, Obama has authorized CMS to cut Medicare reimbursements to hospitals and providers that aren’t “meaningful users” of electronic medical records. What isn’t clear is what “meaningful users” may eventually mean. For now though, CMS just released a list of some 20 electronic medical records standards that providers must meet in order to qualify for the incentive payments.

After a few weeks of reflection, the American Hospital Association balked at the standards. The proposed rules are too stringent, the organization contents, and would penalize hospitals that already are using technology to reduce medication errors, track outcomes and collect basic patient health information without a mandate or incentive to do so.

“As proposed, the current regulations may actually make it more difficult for hospitals and doctors to adopt health information technology,” said Rick Pollack, the association’s executive vice president. “Unless significant changes are made and timelines re-examined, it is unlikely that the vast majority of hospitals can meet the proposed standards.”

While experts believe the expanded use of electronic records will improve the quality and efficiency of health care, and improve patient safety, hospital administrators and physicians know all too well that the process will amount to more than simply scanning pages and moving on. In a government-funded survey published last year by the New England Journal of Medicine, only about 17 percent of all doctors in the United States are currently using an electronic medical records system.

Some believe that once the medical record transition gets going, peer pressure will drive compliance.

“Electronic medical records will accelerate and facilitate health information technology adoption by more individual providers and organizations throughout the health care system,” said Dr. David Blumenthal, national coordinator for health information technology, in a recent interview with New York Times.

Since three-fourths of U.S. doctors work in small practices not aligned with deep pockets of hospital corporations or insurance companies, the conversion to electronic medical records amounts to a major cost that’s long deferred. Technology isn’t the problem. Money, time and training are the culprits.

“There’s no way small practices can effectively implement electronic health records on their own,” said Dr. Farzad Mostashari, assistant commissioner for the New York City health department. “This is not the iPhone.”

To most people, health insurance is a card with numbers you take to the doctor’s office and a little booklet of paper that lives in your filing cabinet, closet or dusty corner of your home. To McKinley, health insurance and the historical reforms that go along with the inequality of health care in America are topics of healthy discussion, worthy of further study and catalysts for education and action.

Hospitals within the reach of all are a reality today. There was a time when there were only few hospitals in India located only in the major cities and patients with chronic ailments required to travel far distances to get cured. A general hospital may not be equipped with all the medical facilities available today. Though a general hospital may operate even in a small town yet it is a super specialty hospital that caters to the emerging health care needs of patients. Among the hospitals in India, one general hospital that has carved a distinctive niche with a track record of curing many major diseases is Apollo Hospital. This health care destination is at the forefront of surgical facilities and medical technology with over 50 medical and surgical disciplines.

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