Meditation is a path to inner peace. Peace and harmony, however, cannot coexist with negativity, mental corruption, or impurity. You use meditation to quiet your mind and allow the negativity, corruption, and
impurities to dissolve. You quiet your mind by observing your thoughts. If you observe negativity or other unsettling thoughts in your mind, they lose their strength and fade away. The more you practice observing without losing your mental balance, the easier it will be to maintain your balance when you face stress, negativity, or change.

Question: Why large corporations are given a better insurance discount, while small employers struggle to provide coverage at all.
From: Kim W. of Colorado Springs, CO

Answer: This is a very interesting question and before answering, I would like to provide some statistics from the National Coalition on Health. In 2007, $2.3 trillion (or $7600 per person) was spent on healthcare in the U.S. Total healthcare spending equaled 16% of the Gross Domestic Product (GDP). During the same year, employer health insurance premiums increased by 6.1%, or 2 times the rate of inflation. The average annual premium for an employer health plan for a family of four was $12,100 and $4,400 for a single person. For employers with less than 24 employees, the increase was 6.8%. As we all know, employee contribution has continued to climb in an effort to offset the costs to the employer. But the higher the employee contribution, the fewer employees enroll. Various agencies define small employers differently. According to the Agency for Healthcare Research & Quality (AHRQ), ¾ of businesses in the U.S. are considered small employers and they employ nearly 1/3 of the private workforce. AHRQ’s reports indicate that medium to large employers have 50+ employees and small employers have less than 50 employees.

And now as to why smaller employers face higher rates. While larger firms hire Human Resource or Benefits Specialists to manage healthcare issues, the smaller employer relies on the insurance company or a broker to manage and administer. This means more work and cost per enrollee for the insurance company. Smaller firms tend to have higher employee turnover, again more time and cost to the insurance company. The smaller company has an increase likelihood of dropping and then adding coverage and has a higher risk of actually failing. When a company has only a few employees, it is harder to predict the health risks of that employee group and to spread the risk out among employees. To this end, some states even allow insurers to review the medical history of each individual in the group and charge higher premiums for groups that have individuals in poor health.

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The Happy Times in Healthcare Podcast is here to help healthcare consumers become better educated in order to receive the best possible healthcare available to them. This podcast series covers a wide variety of topics including paying for healthcare - when you are insured and when you are not insured, selecting a new physician, using healthcare quality rating tools, and understanding your medical record. In this episode:

Podcast: KDKA Interview Part 3 - Dr. Ruthann Russo joins John Steigerwald on KDKA News Radio 1020 to discuss how to take control of your healthcare in 7 steps.

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Question: What happens if you fall sick outside the USA?
From: See L. of Forest Hills, New York

Answer: What a practical question! I must admit, it made me stop and think and consider my actions when I next travel outside of the U.S. For those with private health insurance plans, it is important to check with your health insurance plan to learn if benefits are available when traveling to other countries. Even if your plan does, the problem remains whether that health plan is accepted by the country you are traveling to. Medicare and Medicaid do not provide coverage in other countries. You may want to consider purchasing a short-term supplemental health insurance plan that is specifically designed to cover international travel. For options, check the Bureau of Consular Affairs. Make sure the plan covers care as well as medical evacuation back to the U.S. as evacuation may exceed $50,000. Most of these policies can begin right away.

There are some other practical tips provided by the State Department when traveling. Register your plans with the State Department (free online at https://travelregistration.state.gov) so the State Department can better assist in case of emergency, whether the crisis is with family in the U.S. or where you are. Make sure to complete emergency information when applying for travel permits. Leave copies of the itinerary with family or friends. Familiarize yourself with services and environment where you plan to be-medical facilities, immunization needs, pollution, etc. If you are being treated for a medical condition, take along a letter from your physician describing the condition and the medications you are taking. You may want to check with that country’s foreign embassy (again through the State Department site at www.state.gov) to make sure the medications are not considered illegal narcotics. If you are injured or become ill abroad, the U.S. consular officer can assist in locating medical services, inform family members, and assist in the transfer of funds from the U.S. Remember that payment of hospitals and expenses are the responsibility of the traveler.

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As healthcare costs continues to rise, a recent NY Times article describes the growing trend of underinsured Americans. This group now numbering 25 million people includes those who have health insurance coverage that may not adequately cover them in a healthcare crisis or have high out of pocket expenses and deductibles.

“The rates of underinsurance among families earning more than $40,000 a year nearly tripled from 2003 to 2007. Most worked for small businesses with poor coverage or had to buy costly, bare-bones individual policies on the private market. A typical family might have to cope with rising premiums, high deductibles, benefit limits that exclude or cap treatments and substantial co-payments for each service.”

As costs continue to rise it becomes more  important than ever for healthcare consumers to become better educated about not only their health but also what insurance plans are available and how they work. Websites are available to assist you. MostChoice (www.mostchoice.com) serves as an insurance broker. You can also check the quality of a healthplan at Consumer Assessment of Healthcare Providers and Systems (www.cahps.ahrq.gov) and National Committee on Quality Assurance (www.ncqa.org).

The Happy Times in Healthcare Podcast is here to help healthcare consumers become better educated in order to receive the best possible healthcare available to them. This podcast series covers a wide variety of topics including paying for healthcare - when you are insured and when you are not insured, selecting a new physician, using healthcare quality rating tools, and understanding your medical record. In this episode:

Podcast: KDKA Interview Part 2 - Dr. Ruthann Russo joins John Steigerwald on KDKA News Radio 1020 to discuss the dealing with insurance companies, what to do when a claim is denied, the benefits of high deductibles, plus how medical records impact your healthcare and why you should have a copy.

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Question: Why does one have to wait months for a mammogram?
From: Diane W. of Oreland, PA

Answer: I’m not sure that there is one answer for every mammography center. I would hope that the main reason is that more and more women are scheduling their mammograms and heeding the recommendations for early detection. Please note that there are regular screening mammograms as well as diagnostic mammograms being done. The regular screening is usually done annually to ensure that there are no irregularities. A diagnostic mammogram is performed to evaluate a new abnormality or in follow-up for a past abnormality. I have had a few friends and relatives who had diagnostic mammograms and the radiologist was able to interpret the study immediately. Since 10/94, mammography centers must be certified by the U.S. FDA in order to perform, interpret, and develop the studies. They may be located in hospitals, outpatient clinics, or physicians’ offices. Many facilities accept self-referral (but not all). If your facility does, you do not need a physician’s referral. Remember to check with your insurance company, however, as some insurance plans do require a physician’s prescription to cover the mammogram. Medicare covers an annual screening for all women age 40 and over who have Medicare. Medicare pays for one baseline study for women between 35 and 39 who have Medicare. Medicare also covers digital technologies for screening mammograms. There is no Part B deductible but the 20% coinsurance or co-pay applies.

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A theory is a system of ideas or statements explaining something. Raw and living food theory claims that uncooked food produces greater health benefits than cooked food. Based on its history, leaders, and the current documented practices, the following six concepts appear to be the principles of the raw food or living nutrition theory. 

1. Eat food that is alive with its enzymes still intact.
2. Eat food that is fresh and organic 
3. Eat vegan food, no animal products
4. You reflect the vibration, or energy level, of what you eat
5. Juice some percentage of your fruits and vegetables regularly
6. Follow food-combining rules . 

While we wait for studies to be conducted at some point in the future, we can read, analyze, and possibly even try out some of the principles of the raw food theory in our own lives. I overheard a conversation recently about raw food.  A man was describing the raw food diet to his companion.  His explanation contained many of the six principles listed below.  His friend responded, “it sounds like just another diet fad to me.”  The man (who was not a raw foodist), responded, “Maybe, but when you think about it, how can something that is fresh, organic and good for you be a fad?”

Details of each concept are addressed in my upcoming book The Raw Food Diet Myth.  

The purpose of this book is to introduce you to the revolutionary philosophy of raw and living foods by pulling together all of the components, including, but not limited to, diet, into one place. The book provides you with information to make a conscious decision about whether you will, or perhaps already have, incorporated any of the raw and living food philosophy into your own philosophy of living.

The Happy Times in Healthcare Podcast is here to help healthcare consumers become better educated in order to receive the best possible healthcare available to them. This podcast series covers a wide variety of topics including paying for healthcare - when you are insured and when you are not insured, selecting a new physician, using healthcare quality rating tools, and understanding your medical record. In this episode:

Podcast: KDKA Interview Part 1 - Dr. Ruthann Russo joins John Steigerwald on KDKA News Radio 1020 to discuss the state of the US Healthcare system.

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Question: Is there some sort of easily available rating system that can help one choose a good hospital?
From: Steve W. of Rahway, NJ

Answer: This question comes up fairly often and I am always happy to respond. It pleases me that consumers are actively looking into the best resources available for their needs, including the best healthcare. It is important, however, to do a self survey. What qualities are important to you? Is it the nurse to patient ratio and the hospitals current staffing? Is it cleanliness, friendliness of the staff, explanations of treatment and medications, written instructions, specialty physicians on staff, technology? There are many resources available to research hospital ratings so I will recommend what I consider to be the top sites. Check whether the hospital is accredited by the Joint Commission on Accreditation of Healthcare Organizations (JCAHO) which sets the gold standard for care. Other sites are U.S.News & World Reports annual list of the best hospitals by specialties, the Leapfrog Group (www.leapfroggroup.org), HealthGrades (www.healthgrades.com), VIMO (www.vimo.com), the Commonwealth Fund (wwwcmwf.org). Study what quality indicators these sites use (e.g., mortality, reputation, patient volume, advanced technology, professional credentialing, cost) and then compare to your expectations.

In my book, 7 Steps to Your Best Possible Healthcare, I address these issues in great detail. I also provide some practical tips to look for and questions to ask.

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