Health Insurance for the uninsured
By Dr. Anthony Policastro
Car insurance ads are everywhere. There is the Geico gecko. Flo from Progressive is omnipresent. Nationwide is on your side. State Farm has Aaron Rodgers and his discount double check. We are Farmers. You're in good hands with All State. The list goes on and on. All of the ads say their insurance is better. They might talk about low premiums. They might talk about better coverage. However, there is one underlying bottom line. You need to make a choice. That choice may be based just upon the premium paid. That choice may be based upon the type of coverage. Or, that choice may be based upon a combination of the two items. The new health care law will soon start offering patients similar choices. The choices will not involve car insurance companies but health care exchanges. While the basic idea may sound complicated, in a way it becomes similar to auto insurance. Companies will be offering health insurance and they will have different rates (premiums) and types of coverage. The average individual will need to look at the specific offers to decide what to do. They may want to base their decision on premium costs or on coverage. Or, they may want to base their decision on a combination of the two. Unlike car insurance, the decision will not involve everyone. Those individuals who have health insurance through their employers will not need to deal with the exchanges. Those individuals on Medicare or Medicaid will not need to deal with exchanges. Individuals who do not have health insurance will need to start making their decision after Oct. 1. Coverage will then begin in January 2014. The decision will need to be based upon the individual's circumstances. Someone who is healthy and taking no medications will need different coverage than those who are ill and needing multiple medications. Those who can afford to pay for their basic care may only want to get insurance to pay high cost medical bills. This is similar to buying car insurance with high deductibles. Most of us have already had to face decisions about purchasing auto insurance that fits our particular situation. Those who will need to look at dealing with health care exchanges will have to do so through a similar decision making process. Be careful and don't make any decisions based out of fear because you do not understand the new system.
MS Society plans MSquerade The Delaware Chapter of the National Multiple Sclerosis Society will host its third annual MSquerade - A Mardi Gras inspired event - at World Cafe Live at The Queen in Wilmington from 8 a.m. to noon on Friday, Nov. 8. The event will feature live music from the band Corduroy and an extensive silent auction. Dress is black tie optional and masks are encouraged. Tickets can be purchased for $100 per person or $175 per couple. For more information, visit www.msquerade.org.
Dr. Reddy joins NHS Nanticoke Health Services welcomes Dr. Roopika Reddy to the Nanticoke Physician Network. Dr. Reddy joins Nanticoke Health Services specializing in pulmonary, critical care, and sleep medicine. Her office is located at 23094 Atlanta Rd., Seaford. Dr. Reddy attended M.S. Ramaiah Medical College in Karnataka India and went on to complete her internal medicine residency at North Shore LIJ Forest Hills Hospital in New York. She completed her pulmonary and critical care fellowship at the University of Utah School of Medicine and also completed her sleep medicine fellowship at the University of Buffalo School of Medicine. To schedule an appointment with Dr. Reddy, call 629-5766.
HIV Consortium plans meetings The Delaware HIV Consortium and the Delaware Department of Public Health are holding a series of town hall meetings to get community feedback on HIV/AIDS programs and services.Experts in the field of HIV treatment and prevention will be there to answer questions from the public. A meeting will be held from 6:30 to 8 p.m. on Wednesday, Oct. 9 at Camp Rehoboth, 37 Baltimore Ave., Rehoboth. For more information, visit www.delawarehiv.org/news-Townhall.html.
CHF support group Nanticoke Memorial Hospital will begin hosting a Congestive Heart Failure (CHF) support group with the first group meeting planned for 3 to 5 p.m. on Tuesday, Sept. 24. At the first meeting, George Schwobel, Pharm.D., director of pharmacy services at Nanticoke Memorial Hospital, will be available to talk about medications. Kim Brasure, RN, acute care case manager, will also be on hand to help with any questions you have. Light refreshments will be served. The support group will be held at Nanticoke Memorial Hospital in the Nursing Conference Room. For more information and to register, contact Missy Williamson at Nanticoke Memorial Hospital at 629-6611, ext. 2508.
2013 Aids Walk Delaware Registration is open for the 2013 AIDS Walk Delaware which will be held on Saturday, Sept. 28, in Rehoboth and Wilmington. To register a group or an individual, visit www.aidswalkdelaware.org. Sign up today and begin collecting pledges for people infected and affected by HIV disease throughout the state. For detail, contact the Delaware HIV Consortium at 302-654-5471 or firstname.lastname@example.org.
Sussex Tech offers coding course Sussex Tech Adult Division will offer a 36-hour course for current medical professionals preparing to meet the 2014 ICD-10 Medical Coding Requirements. The course will be held on five Saturdays beginning Sept. 21 and ending Saturday, Oct. 26. Class times are 8:30 a.m. to 3 p.m. Students should have some knowledge of anatomy and physiology and experience in the coding profession. Advanced topics in diagnosis, anatomy, physiology and pharmacology will be covered. The cost of the course is $499, which includes all required textbooks.
Home Internet access is recommended. Students may register in person at Sussex Technical School District's Adult Education Office or by calling 856-9035.
Depression Screening Day Do you know the symptoms of depression and anxiety? On Thursday, Oct. 10, the Mental Health Association in Delaware will be collaborating statewide to bring National Depression Screening Day to sites throughout the state. National Depression Screening Day is designed to increase mental health literacy by calling to attention the illness of depression on a national level. It is also designed to educate the public about symptoms and effective treatment, to offer individuals the opportunity to be screened for depression; and to connect those in need to the mental health care system in Delaware. More than 80% of people with clinical depression can be successfully treated. For more information about National Depression Screening Day, including times and locations, or MHA in Delaware visit www.mhainde.org or call 800-287-6423 in Sussex County.
Bike to the Bay for MS More than 1,800 cyclists will pedal their way from Dover to Dewey Beach, on Sept. 21-22, for the annual Bike MS: Bike to the Bay event. If you are planning a visit to Delaware Seashore State Park that weekend, consider an alternate location such as South Inlet Day Area, just south of the Indian River Inlet Bridge, or Fenwick Island State Park, which is just far enough south to miss the event congestion. For more information, call 302-655-5610 or visit www.BikeToTheBay.org.
Hospice Golf Outing The Delaware Hospice Sussex County Golf Outing will be held on Monday, Oct. 7, at Cripple Creek Golf and Country Club in Dagsboro. The fee is $125 per person, which includes green fees, cart, lunch, refreshment cart, and an awards reception with heavy hors d'oeuvres, wine and beer. For more information about the event or Delaware Hospice, visit www.delawarehospice.org or contact Peggy Dolby, associate director of development at 302-746-4666 or email@example.com.
Online directory wins national award The new Delaware Veterans Services Directory (VSD) has won recognition from a national eGovernment research institute for its innovative approach to providing services to an important segment of Delaware's population.The directory, which serves the more than 79,000 Delaware veterans and their families, was named a winner of a 2013 Digital Government Achievement Award in the Government-to-Business category by the Center for Digital Government. Accessible at www.delaware.gov/vsd, the VSD is a statewide online listing of public and private organizations offering services to Delaware veterans and their families.It brings together a community of partners in a single, online portal that features links to employment services, housing services, medical services, and education services, among others. The VSD simplifies the process of obtaining needed services for military veterans and their families. The VSD website was developed by the Delaware Government Information Center (GIC) for the Delaware Commission of Veterans Affairs as part of Governor Markell's push for a more efficient and effective government. To contact the GIC, send an email to firstname.lastname@example.org.
Ribbon cutting for Aquacare Seaford Physical Therapy of Aquacare will hold a Grand Opening and Ribbon Cutting Ceremony from 4 to 6 p.m. on Thursday, Sept. 19. The ribbon cutting will be at 5 p.m. Located at 15 Fallon Ave., Seaford, Seaford Physical Therapy of Aquacare offers traditional orthopedic physical therapy. This location also specializes in women's health including incontinence, pelvic pain, pregnancy, fibromyalgia and a breast cancer recover program.Women's health specialty programs are led by Cara Konlian MSPT, one of the few gynecological physical therapists on the Eastern Shore. This location will also specialize in balance and vestibular rehabilitation for those who suffer from dizziness and loss of balance leading to falls led by clinical director, Jeffrey West DPT. The office specializes in aquatic therapy, providing services at the Western Sussex Boys and Girls Club. Enjoy gourmet desserts and cocktails and receive free door prizes.Complimentary massages and free injury screenings by a licensed physical therapist are available to the community.For more information, call Seaford Physical Therapy of Aquacare at 536-1774.
Free flu vaccination clinics Beebe Medical Center will offer free flu clinics. Vaccinations will be provided to adults only (age 18 and over) at the clinics. Parents should contact their children's physician or the Division of Public Health for information about pediatric vaccinations. Every Monday through Nov. 18, free flu vaccinations will be given from 9 a.m. to 1 p.m. in the lobby of Beebe Medical Center on Savannah Road in Lewes. For a full listing of flu clinics which will be held in Rehoboth, Millville, Milton, Lewes, Ocean View and Georgetown, visit www.beebemed.org.
MOPH to hold meeting Chapter 1787 of The Military Order of the Purple Heart (MOPH) is calling all combat wounded veterans to join in their efforts to promote patriotism, history, fraternalism, and assistance to all veterans with VA claims, homelessness, and job placement. The meeting will begin at 10 a.m., Saturday, Sept. 21, at Pizza King, 358 E. DuPont Hwy., Millsboro. All combat wounded are invited to come and meet fellow Purple Heart veterans. You do not need to be a member to attend the meeting. For more information, contact John Jackson at 302-228-9577 or by email at email@example.com.