Diversify Home Health, Home Care And Hospice Services To Secure Your Agencys Financial Future

Have you ever heard the advice to not put all your eggs in one basket? Well the advice is good, especially if you are a Home Health, Home Care or Hospice agency. Putting all your eggs in one basket in the Home Health, Home Care or Hospice industry means having only one line of business. In todays environment, one line of business is a dangerous path to walk. Already we have seen repeated cuts to the Home Health reimbursement formula, and Hospice is under scrutiny and will probably see some rather dramatic cuts in the future. Some Home Care (Private Pay) agencies are seeing a decline in both clients and hours, as well. Just as the chant location, location, location is cited for a business success, diversification is the same for agencies in the Home Health, Home Care and Hospice industry.

As a Home Health or Hospice agency, you may be asking how you can diversify. You already take private insurance, much of which doesnt even cover your expenses. Where can you diversify?

Years ago, many Home Health agencies invested in private duty services. Unfortunately, many of them tried to run these agencies the same way they ran the Medicare-Certified agencies. This turned out to be a less than a financial success for them and, as a result, most of the agencies closed their Private Pay agencies or sold them. I was one of those administrators running both types of agencies. Fortunately, the corporation that owned the agency I managed understood the differences required to successfully operate these two very distinct businesses. As a result, the internal structures and systems for Private Pay were run with entirely different staff and procedures. Fortunately, the Private Pay agency was a financial success and a great partner for the Medicare business.

In todays environment, it may be wise for Medicare agencies to look again at the Private Pay industry and invest in another line of business that will not be subject to the changes of CMS. This holds true for both Medicare Home Health and the Hospice agencies. The opportunities in a Private Pay agency are endless. The services offered are as open and vast as the community served will support. By using the lessons learned from the previous attempts to diversify into Private Pay, the new line of business makes the difference between surviving and thriving.

For Private Pay (Home Care) agencies, diversification is just as important. By having only one or two lines of business, you will very likely have some down times with loss of revenues. Diversification of services helps to diminish the effects of the decline on your personal care or live-in services. There are so many opportunities in the Private Pay arena, it really is a matter of finding out what your marketplace will support and then developing it in such a manner that your customers will see value and buy.

Over the years I have seen some very creative and innovative Private Pay agency owners create truly unique services that were well received by their communities. One agency had a very viable service line in cruise companions. They had a high end senior population that were used to cruises, but because of declines in health and abilities, many of the seniors could no longer travel. The agency developed a contract with a major cruise line where they provided the personal care workers or aides that accompanied the senior on the cruise. The client paid for all the related cruise expenses as well as the daily live-in rate for the aide. Reportedly a great time was had by all.

Another agency developed a Mom and Babe program that catered to the large number of young, educated families in their geographic area. The program retained the services of an OB-GYN RN, who made the first visit to the home the day after the mother was discharged from the hospital. The aide, who was a trained doula, also accompanied the RN on the first visit. The services were bundled into either 5- or 7-day, 12 hour/day packages that included the RN visit and the 5 or 7 days of the specialty aide. The aide not only cared for the mother and baby, but tended to the home and other children, allowing the new mother and baby to have bonding time. The aide planned and cooked the meals and did the laundry and light housekeeping so that the mother could rest. The program, as mentioned, was sold as a package and made great shower gifts. The aide was available on an hourly rate to continue services beyond the package if the family wished, or her services could be bought by the family directly for however long they were needed.

As you can see, there is no limit to what your agency can provide. With appropriate due diligence and an ability to listen to what your community is seeking and willing to pay for, you can do anything. If youre ready to plan a more secure financial future for your agency, contact us today to discuss the many diverse opportunities that are awaiting you.

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Must Know Tips For Buying Utah Health Insurance

Perhaps one of the most difficult things about leaving a steady job is walking away from the benefits package. Once you’re out on your own — whether you’re starting your own business, working for a smaller employer that offers no coverage the reality is the same: You have to cough up a lot of money for what will feel like inferior health coverage.

Before you start looking for Utah individual health insurance coverage take a deep breath, maybe try some yoga stretches, because it’s a jungle out there! You can; however, take a sigh of relief, because after reading this article you will at least have the basic knowledge necessary to properly navigate the individual insurance market.

An important tip to keep in mind: shopping for health insurance can take some time, so make sure you give yourself at least 45 days to examine your options and apply for a policy.

Here’s how to navigate the private health-insurance marketplace:

How The Utah Health Insurance Market Works
If you thought buying life insurance was tough, just wait until you shop around for health coverage. Unlike an employer-sponsored plan that has to accept everyone at the same price, private plans in most states are underwritten based on your age, weight, smoking status and health history. In some cases, applicants will even have to undergo a medical exam. A preexisting condition as common as asthma could be enough for an insurer to hike your premiums, while a history of anxiety or depression might cause an underwriter to think twice. And if you have a history of heart disease, cancer or diabetes, you could be out of luck entirely. A plan could either be too expensive or include a rider that excludes the very ailment for which you need coverage.

You should also know that health insurance is regulated at the state level. In places like New York, New Jersey and Vermont, insurers must offer coverage to every applicant, regardless of age or health status. This egalitarian approach sounds great — until you see the premiums. Even young healthy men, who are the cheapest to insure, could be charged as much as $1,000 a month. In other states, such as California and Utah, there are fewer restrictions on the insurers, and premiums tend to be more reasonable for young people and pricier for older folks. The problem in these regions is that insurers can outright refuse to provide coverage. In such cases, consumers can buy pricy policies from a state high-risk pool. But it won’t come cheap, and it could exclude pre-existing conditions. For more information on the rules for your area, contact your state insurance commission’s Web site.

How to Buy a Utah Individual Heath Insurance Plan
The quickest way to get a handle on your options is to find a Utah health insurance broker. Just make sure you find broker that has access to a number of different health insurance carriers, and he/she understands the underwriting standards for each. The last thing you want is to be rejected from a plan that doesn’t typically cover someone with your health profile. Not only is it a waste of time, but it could also raise a red flag when you apply to other insurers. An experienced broker can steer you away from such carriers, and in the long run will save you a lot of headache, time, and money.

How Much is Utah Health Insurance Gonna Cost?
According to a recent study performed by the Kaiser Family Foundation, the average employee paid $65 a month for health insurance in 2008. Employers picked up the rest — a $340 per month tab. How much can an individual expect to pay? America’s Health Insurance Plans says the average individual month premium for a health plan in 2008 was $231. While individual plans may appear cheaper, individuals have to pay the entire premium on their own. And as we mentioned earlier, those in restricted states, and older individuals with health issues, can expect to pay a lot more.

One way to keep your premiums lower is to increase your deductible (don’t go beyond what you can afford to pay out each year). On average increasing your deductible from $500 to $1,000 can save a family of four $80 a month.

While there are some benefits you can live without, others are important. A maternity rider is one of them if you’re planning on having children. Unlike employer-sponsored plans, which usually cover birthing expenses, private plans don’t unless you pay for it upfront.

In Summary
Before you make your final decision, make sure you thoroughly understand the plan. Most plans only allow you to make changes to your plan once a year so make sure you’re buying coverage that will cover not only your current needs, but your future needs as well (i.e. having children). Finally, consider purchasing your health insurance from an experienced broker. A good broker can help you navigate the health insurance conundrum, and find a plan that fits your needs. And the best part of all about using a Utah health insurance broker is you won’t pay one penny more for utilizing their experience.

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What To Do If You Have Dermatosa Papulosa Nigra

Dermatosa Papulosa Nigra often affects individuals of African, Hispanic or Asian descent. This condition often manifests as lesions on the skin which look like flat or raised moles. They commonly appear under the eyes or on the cheeks. Some people start developing DPN around adolescence. Others will start noticing these bumps later in life, such as the mid-thirties or early forties. Notable celebrities who have these facial moles include: Morgan Freeman, Bill Cosby and Maya Angelou.

The good news is that Dermatosa Papulosa Nigra is perfectly harmless. However, many individuals fret when the moles start to increase in number. They also tend to get bigger in size as well.


Dermatosa Papulosa Nigra is considered to be a form of seborrhoeic keratosis which benign growths that often resemble warts or actinic keratosis. The exact causes of Dermatosa Papulosa Nigra moles are not clear. Some people think the condition results from consuming too much sugar. However, many medical experts feel that these lesions are closely tied to genetics. And this may result in the abnormal development of hair follicle units.


Although there are creams and products that claim to get rid of DPN bumps, most medical experts are skeptical about their effectiveness. Hyperpigmentation is a more likely result to occur from using such items.

The best way to get rid of Dermatosa Papulosa Nigra bumps is through a dermatology procedure. Common forms of treatment include: (1)Excision (2)Cryotherapy (3)Electrodessication

Excision involves the use of surgical instruments to remove the moles. This may cause tiny, but cosmetically insignificant scars. In many cases these will eventually go away. Cryotherapy uses liquid nitrogen to freeze the tissue so that it falls off. However, there is a relatively high chance of hyperpigmentation from this.

Mild electrodessication is the preferred treatment for most cases of Dermatosa Papulosa Nigra. An electric current is used to cut the targeted tissue so that it can be removed. For raised moles, the current can also close the blood vessels that supply nutrients and oxygen to sustain its growth.

Cosmetic lasers (e.g. Nd:YAG 1064 nm) can be used to heat the melanin of the DPN bumps. This causes the pigment to condense into a mass that can then be broken down and removed by the body. Treatment with a laser will result in a scab that falls away within a few days after the procedure.

Most procedures for getting rid of Dermatosa Papulosa Nigra moles are relatively inexpensive, costing around a few hundred dollars.

The best way to treat this condition is to see a dermatologist as opposed to trying to get rid of the moles yourself.

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The Real Score About Yor Health Australia

Recently, there is some news about YOR Health Australia saying that the company is a scam. However, especially in the internet, it is difficult to separate fact from fiction in the digital age. Searching for the real truth about something in the internet is like finding a needle in the haystack. Indeed it is easy to look for something online and accept them as truth. Nonetheless, one should be careful in believing something as truth because in the internet, it is quite difficult to decipher which kind of information are coming from credible and trustworthy sources.

The issue about YOR Health Australia is absolutely not a pyramid scheme. While pyramid schemes are illegal, YOR company is a direct seller, multi-level marketer or a network marketer. These terms are usually misused and often related to scams and fraudulent business. The company actually operates using the four basic methods in marketing products which include retailing, multi-level marketing, referral to friends and families and direct sales. These methods of moving products are actually legit since it only essentially requires chains of recruitments and consumptions to purport income.

YOR Health Difference is a patent protected nutrition delivery system (NDS) that is employed by this company in order to make sure that the products they sell are all effective and of great quality. A patent is actually an intellectual property right that is granted by a government to an inventor who has done something remarkable and very unique. Thereby, patents, as a matter of fact, encourage ingenuity and creativity. The NDS is product of YOR’s years of research and development in order to deliver the finest products to the customers.

If one visits the company’s website at supergreencentre, one will find plenty of testimonials about the efficacy of the products produced by YOR. Many men and women have experienced huge improvements not only their body’s appearance but also in their well-being as well. Some say they have regained confidence for finally having understood the value of good health and healthy food and lifestyle.

It has to be noted though that results from using YOR’s health drinks and supplements vary from one individual to the other. Factors that may affect the results may include one’s metabolism, lifestyle, eating routines and current medications. However, as with any other diet and fitness plans, these supplements and drinks should be accompanied with proper lifestyle and regular exercise.

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Important Health Message To You Your Family and Friends

Whether you’re considered to be the very model of health and fitness or someone in remission, this is for YOU and the people in your life: What you are about to read may shock, disturb or stun you into a lengthy silence. You may feel bitter in that you’ve been conned in such a way.

However, if after reading this and it has made a lot of sense and at the same time given much opportunity, invaluable insight with the related joys from achieving optimum health, then I urge you to take immediate action and spread the world. Tell your friends. Educate them on how they too can be well, and like you live to a ripe old age! !

Unless you display ostrich-like behaviour, burying your head in the sand, saying “I’ll be alright…” you should be well aware of how a range of degenerative illnesses such as heart disease, stroke, cancer, diabetes… could cause serious illness or even take your life and therefore require an obvious need for precautionary measures. Especially when the statistics alarmingly show that these diseases are on the up.

The American Heart Association reports that currently some 16.3 million Americans have coronary artery disease, the most typical form of heart disease. 1 in 4 Americans will die of the disease.

The figures for cancer are equally disturbing. 1 and 2 men will have cancer, while the prediction for women is 1 in 3. In the UK, 1 in 8 will have breast cancer while 1 in 4 men will have prostate cancer sometime in their lives (Anticancer info UK).

Over 2 million have been diagnosed for diabetes in the UK. It is thought that another 1 million plus could be added to the list from those who don’t know they have it (Diabetes UK).

-All the above reflect escalating numbers.

What do we do to take precautionary measures?

Are there potential cures?

What are the psychological cause and effect relationships in illness and how can they differ from that of a healthy individual?

Have we been secretly programmed and brainwashed on health matters?

-Yes to ALL questions!

There are massive deceptions behind the medical / pharmaceutical establishment’s way of treating life-threatening illnesses, diseases such as heart disease, cancer, stroke and diabetes…

Between them, the elite few at the top of the various hierarchical trees: owners / controllers of the medical / pharmaceutical establishment, senior politicians and media bosses with their propaganda machines have managed to pull the wool over peoples’ eyes for many, many years.

They have convinced almost everyone from health professionals, academia to Joe public that this highly expensive profit-based model is the only way to handle illness. It is definitely NOT the case as research has shown with all the necessary facts and figures, including comments from expert eminent scientists and suchlike.

-They don’t want you to know that unlike the medical / pharmaceutical establishment’s regime with expensive drugs, there are cheap, non-toxic alternative successful cures with very little or no side-effects. If the public at large knew about these cheap alternatives, the elite would no longer have a hold with their huge profits and power…

Consequently, countless numbers of individuals have died and of course are still dying, falling victim to those mortal illnesses. Who knows, if only they had known about the life-saving potential of alternative cures… and what about their uses as prevention?

It should be noted that doctors do not cure disease; they only diagnose and treat the symptoms, ignoring the underlying root cause:

The analogy goes like this. If I fully turned on the taps at your kitchen sink and left you to deal with the water filling up faster than what was getting away down the plug-hole would you: Use a mop and bucket to remove the water (treat the symptoms) or turn the taps off (deal with the underlying root-cause)?

This is what happens when using pharmaceutical drug-based therapies. They only treat the symptoms of the disease which will forever return, guaranteeing repeat business. This is indeed all part of the deception.

Also, without knowing there have been many cases where doctors have killed off patients with prescribed drugs: The pharmaceutical cartel has misled them into believing that, at times, certain treatment is appropriate when it is not.

Doctors may have been misguided through being unaware of the alternative treatment available, or they have taken actions based on data from monumental mistakes or falsified results that have come from medical research, or they have been misinformed…

-Sadly all of which goes in favour of the money-spinning wheel propagated by the cash-happy elite and their pharmaceutical ‘solutions.’

The cheap natural alternative therapies that can get to the root-cause of illness and cure are based on diet, the mind-body-spirit connection and environmental factors… This should be noted with an enquiring mind and willingness to do your own research.

The following outlines how the cheap alternative therapies work and how they are applied to

1. Heart disease

2. Cancer

3. Diabetes

Before I give an outline beware of the mass media and their attempts to invalidate these cures, they may be sponsored by the pharmaceutical establishment, after all, they can’t have these alternatives undercutting their business…

1. Heart Disease

A unified cure for heart disease had been achieved years ago and it basically goes like this:

-Heart disease is the effect of a long-term deficiency in vitamin C. Therefore, heart disease should really be called long-term scurvy.

-Linus Pauling put forward a unified theory based on the above and found a cure for heart disease.

-The medical / pharmaceutical establishment have kept Pauling’s cheap vital life-saving information suppressed so they can continue to profiteer on treatment that does not cure, only treat symptoms.

-Die and lifestyle can not only prevent but reverse heart disease.

-The idea that high cholesterol is always indicative that a heart attack is on its way is a myth.

-Cholesterol lowering drugs such as statins are a multi-billion dollar deception.

-Far more progress than what has been made out to be can be achieved through reducing heart unfriendly foods.

2. Cancer

-In line with other diseases the medical / pharmaceutical establishment will not have their business undercut. They will not tell you that there are highly effective non-toxic, non-invasive, cheap and natural alternatives with good success rates for curing cancer.

-Metabolic nutritional therapy, a strict specific and sometimes austere dietary regime is the key to curing oneself of cancer.

-It is crucial to eat healthy food, exercise, avoid environmental toxicity and have a positive outlook on life for cancer avoidance.

3. Diabetes

-For type 1 diabetes successful cure rates have been found using a way of treating this form of auto-immune disease. It was caused by a viral infection that had come from medical /pharmaceutical treatment, usually from vaccinations or antibiotics during early childhood which had devastated the immune system…

-The solution is not to interfere with the body’s immune system but to support it, as was found by Dr Johann Georg Schnitzer.

-For type-2 diabetes the answer lies in diet (NOT the conventional diabetes diet), staying well hydrated, getting regular exercise and having a positive outlook on life.


This outlines the naturopathic approaches to heart disease, cancer and diabetes. There are cheap, natural, non-toxic and non-invasive cures for other diseases with the same basic underlying principles: Diet, exercise, environment and the mind-body-spirit connection associated with outlook on life. I hope that I have encouraged you the reader do your own research.

If you liked reading this article then go to www.NewParadigm.ws for more related articles including a free download PDF. NewParadigm is a portal to transformation, consciousness, spirituality, mind, body, health, alternative media and much more… Hosted by Paul A Philips. Once again the link is: http://www.newparadigm.ws/

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