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Your Worksite and Medical Marijuana

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Nowadays, with 14 US states that have legalized medical marijuana, there are perhaps hundreds of thousands of employers, who wonder about the ways to keep the worksite drug free and meantime provide the adequate environment for workers, who are taken through marijuana treatment. In reality, the general medical marijuana topic is a mess. The federal authorities dont want to move from their all marijuana is illegal position and marijuana-legal states have unbelievably different approaches to the issue. Thus, there has never been a better time for reviewing drug policy of your company.

Here are some guidelines to the major white spots:

For enterprises that work for the government, like those with federal contracts, the directing document should be Drug Free Workplace Act of 1988, which bans the utilization of marijuana in jobsites that participate in federal contracts.

The DOT Department of Transportation as well bans the use of medical marijuana for employees that are in so-called safety-sensitive positions, such as bus drivers, subway operators, truck drivers, armed transit security, ship captains, and pilots. This ban covers all states, involving the states that have legalized medical marijuana. Thus, even if you have a medical marijuana card, but you have to fly a 757, you have to make sure that your medical marijuanas effect has passed, when you board your pilot seat.

Some attorneys advise to treat marijuana treatment as if it was a use of any other prescription drug, and the worker could do it legally and safely. They claim that such attitude can save employers both money and time in a situation that leads medical marijuana to the point of getting more and more accepted by society and becoming legalized in greater number of states during the next few years.

Different States Different Regulations

First of all, in the legalized states, every patient that has a medical marijuana card is protected from detainment as long as they have dealt with all the needed documentation and has the proof of a doctors approval for their marijuana treatment. But this is just the beginning.

If you live and work in Oregon or California and you are tested positive for marijuana at your workplace, you can get fired. You can even be fired if you use medical marijuana with the required approval, and a prescription from your physician, who takes you through your marijuana treatment.

Just recall a precedent back in 2008 the Ross vs. RagingWire case. Back then, the Supreme Court of California settled that the employer drug test is legal and that it isnt discriminative to fire a worker for marijuana use, even when its not used in the jobsite. Oregon had the Emerald Steel Fabricators, Inc. vs. Bureau of Labor and Industries, the states Supreme Court settled that Oregon employers have to not support the workers medical marijuana use, since the federal law takes priority over state laws.

Patients that undergo marijuana treatment in Vermont, will be most probably arrested if found using or under the influence of medical marijuana in their workplaces. The same is true about New Mexico patients.

In certain states, such as Rhode Island and Maine, you wont be discriminated or fined for your employment of medical marijuana, if you have a medical marijuana card.

In the end, simply dont forget to review the regulations and laws of your state thoroughly, prior to using medical marijuana either at home or in the jobsite.

Medical Identity Theft – One of the Fastest Growing Crimes

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From keeping up with the latest technologies to providing top-notch patient care, there’s no doubt that healthcare industry professionals have a lot on their plate these days. But, would you imagine that one of their major concerns has nothing to do directly with patient care? Healthcare practices are spending large amounts of time and money keeping their practices compliant with the latest HIPAA regulations, and working hard to prevent a new trend in crime – medical identity theft. While it may not be making mainstream headlines, according to Javelin Strategy and Research, fraud resulting from exposure of health data has increased 112% year over year, from 3% in 2008 to 7% in 2009. To put this stat in perspective, medical identity theft is regarded as the fastest growing form of identity theft in America today and it is estimated that each year 250,000 to 500,000 people become victims of medical identity theft. Just like identity theft, medical identity theft is the act of stealing medical records or medical information of a patient. Both the medical facility and the patient suffer great losses once they are victimized by this type of crime. Imagine this scenario – when you check your mail one day, you find a giant bill from a hospital emergency room, yet you haven’t been to the doctor for anything other than a routine visit in years. So where did this five-figure bill with your name on it come from? The answer -someone stole your information and used it to obtain medical treatment and/or prescription drugs. Unfortunately, medical theft is a growing epidemic and is largely attributable to the large volume of paperwork medical providers are required to keep, in order to maintain 100% HIPAA compliance. Instances of medical identity theft are commonly reported when:

* Patients’ records are accidentally faxed or mailed to the wrong person * Medical records are stolen and misused after being disposed of improperly * Laptops containing confidential information or medical records are lost or stolen * Medical files left unattended in file rooms, on staff desks and in door folders; or unrestricted physical access to sensitive medical files.

While these security breaches might sound relatively innocuous, they are a huge concern. Not only does the medical facility face damage to their reputation and restitution fees, but also HIPAA has enacted legislation over the last year that makes such breaches very expensive – and on a punitive scale. Even worse, the victim may not realize the crime has occurred immediately due to lags in billing cycles so the theft is larger and potentially more costly. As if these scenarios aren’t nightmarish enough, add the fact that someone’s medical records could be tampered with, leading to improper medical care or misdiagnosis. With these costs to both victims and facilities in mind, preventing medical identity theft must be a high priority for medical facilities. It’s especially critical for smaller practices to take precautionary measures because they may have fewer internal protocols to protect patients…and shallower pockets to weather such an event. Ways to reduce medical identity theft include:

All about medical exams

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When it comes to writing insurance policies, the decision is all about risk. Based on what you tell the insurer, the actuaries estimate the chances you will have an accident the next time you drive, or that your home will be flattened by a tornado, or that you will catch the H1N1 brand of influenza. It’s the most scientific form of gambling our society has been able to develop. If all the sums work out right, you are protected financially should any of the risks occur and the insurer will make a profit. So when it comes to insuring your life, the actuary needs to call in different professionals. Although you may give completely honest answers to questions about your own health and the health of your immediately family, there are many things you do not know. Sometimes, families are not honest with each other when it comes to health problems. Sometimes, you may not have been to see a doctor recently and so be unaware your own health is less than good. To protect everyone, a medical examination will usually be a condition when the amount of cover requested is high, or you are older, or you admit possible health problems.

Some insurance companies employ paramedicals who can bring a mobile service to your home or office. Others will give you the name of a specific doctor or a clinic and wait for you to make an appointment. Note that, almost without exception, when something more than a token amount of insurance has been requested, no reference will be made to your regular doctor. The insurers only accept evidence from independent medical personnel.

Let’s say you are still young and there are no untoward signs in your own or your family’s history. The exam is likely to be fairly straightforward, going through lists of questions about your current health and lifestyle. In this remember you may be tested to ensure your answers about not smoking and no abuse of drugs are truthful. If you appear heavier than you admitted on the proposal form, there may be more tests for diabetes and other diseases that can affect the overweight. If you have admitted to health problems, the tests can be fairly intensive if you are older and asking for significant amounts of cover. This is not just measuring pulse rate and blood pressure. You can find yourself supplying a range of samples, submitting to an EKG and getting up on a treadmill to prove lung capacity, stamina and a healthy heart. Only those who pass with flying colors will be offered the larger amount in cover.

In one sense, the whole experience of a medical exam is something of a deterrent. It takes up time and can be intrusive. Yet we have to advise you to go through several exams. The reason is simple. Life insurance companies approach risk assessment in slightly different ways. What some may consider significant is more routine to others. To get the best deal, you have to get as many offers as possible. This means being prepared to go through as many medical exams as it takes. Only when you have all the offered life insurance policies in your hands can you judge which one represents the best deal for you and your family.

Medical Alert Systems and In Home Care Can Combat Rising Healthcare Costs

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A medical alert system can bring children of aging parents the peace of mind of knowing that their parents, who may live alone, can reach help if they experience a fall or other accident. The most common reason for purchasing a medical alert is wanting to make sure that an elderly loved one who is generally able to live independently is able to reach help when they need it. But can this tool for independent living also be a weapon in the fight against rising healthcare costs in the United States?

The population of the United States includes 39 million individuals over the age of 65 as of 2008, and by the year 2030, this number is expected to skyrocket to 72 million, as “Baby Boomers” reach the age of 65.

So, the aging population is growing. The individuals of the “baby boom” generation are reaching senior age, causing the senior population to increase dramatically. Not only that, but healthcare advances have allowed people to live longer; there are many more people reaching their 80s, 90s and even past 100. Those who reach these ages are, on average, suffering a large number of physical ailments and as a consequence, they consistently incur high medical expenses.

More seniors, fighting more physical ailments means a higher healthcare cost amongst our increasingly senior population. In fact, by the year 2030, health care for seniors is predicted to account for 25% of all the nations health care expenditures.

This is where a medical alert system can help. The price of equipment rental and monitoring can be less than $1 per day; a long hospital stay costs much more than that. The longer a senior waits to receive help after a fall, the more complications they will experience.

If a senior citizen falls, and is unable to summon help within the first hour, they are extremely likely to lose their independence, and most in this situation are ultimately placed in nursing homes.

With a medical alert system, an individual can get quick help, which often eliminates the need for a lengthy hospital stay, and prevents seniors from experiencing complications from their fall that land them permanently in a nursing home or care facility.

In conjunction with in-home care provided either by a professional service or a member of the seniors family, a medical alert system can keep an elderly individual out of a hospital, out of a nursing home, and can extend the amount of time in which he or she can live at home safely.

The average cost of nursing homes can top an average pricetag of $83,585/year, or $229/day. A medical alert system rental and monthly monitoring service costs less than $1/day.

While the rapidly rising population of seniors in the United States as well as recent changes to Medicare almost certainly guarantee a drastic spike in healthcare costs, this increase can be slowed. Preventative measures are the key to lowering healthcare costs in the United States, as it decreases the amount of costly emergency care and the many expenditures that come when an individual is no longer able to live in their homes.

Why Caregivers and Doctors Recommend Medical Alert Systems

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Doctors know the importance of having round-the-clock medical monitoring, especially for high-risk patients. Any serious medical emergency could occur anytime, and because doctors have no accurate way of predicting when it would happen, the only logical way to manage it is by conducting 24-hour monitoring of the patient. However, such kind of monitoring is not particularly cost-effective, especially for patients or seniors who are still able to get around.

Caregivers, on the other hand, could only do so much. Such as attending to the ache and pains of the senior, helping them with bathing, and assisting them with their daily activities, but their attention is limited. Unless were speaking of multiple caregivers who alternate shifts in 24-hour periods, caregivers would go home at the end of the day, leaving the senior on their own.

Obviously, there is a gap in attention, and unfortunately, it is through those gaps that accidents happen. Caregivers and doctors recommend medical alert systems primarily because the service could accomplish things that they could not. Usually, caregivers have other responsibilities and concernsthey also have a life, a family to attend to, and a job that demands their professional attention. Thats why giving all the obligations on the caregivers shoulders is essentially risking eventual neglect of the senior.

These days, medical alerts are advanced and efficient. Back during their early days in the 1970s, medical alerts were bulky, and it was hard for seniors to wear the devices. Worse, the early medical alerts were not waterproof, so they could not be worn in the bathroom. This was a crucial weakness: most accidents involving seniors occur in the bathrooma slip on the tiled floor or the bath tub can be fatal when not immediately attended to.

Fortunately, like other in-demand and important technologies, medical alerts have evolved in terms of sophistication and efficiency. No longer are such devices bulky and a hassle to use. The medical alerts youll find being offered by different providers these days are built and designed for daily durabilitythey are waterproof and can be worn at all times, even when the wearer is in the bathroom. The medical alerts are also small, lightweight and designed compactly enough that it is easy for the wearer to be no longer self-conscious about it.

Using a medical alert system is so simple that even seniors who find trouble understanding technical instructions will be able to quickly use the system. Basically, there are no technical instructionsthe senior only needs to “wear” the device (either as a bracelet or as a necklace pendant) and press the button whenever a need arises. Whether the seniors is plagued witha heart attack, a dizziness spelland theyre alone in the house with the caregiver miles away, they simply press that button and a professionally trained response center responder will speak to them from the loudspeaker of the systems base unit. Other types of medical alerts can also be set to automatically call 911 or the nearest neighbor or medical facility whenever the device “detects” that the senior has an accident in the homea slip on the floor, a fall, or some sudden inactivity that may indicate loss of consciousness.

A medical alert system can enable doctors or caregivers to have a better control of their loved ones situationthe devices and the 24/7 monitoring associated with their use can easily fill in what the common caregiver could not do, which is remain with their aging loved one at all times. After all, a medical alert system, thanks to technological advances in manufacturing and wireless communication, is now very affordable, with a minimal monthly fee of around $20. For the breadth and scope of a medical alert systems service, along with its other perks, wed say that the monthly service fee is indeed a very small price to pay for ensuring the safety of a loved one.