Small Business Health Options Program And Your Business

The Affordable Care Act (ACA) is raising many questions among Americans who may not fully understand what changes will be taking place. One of the primary developments we’ll see is the establishment of an affordable online insurance marketplace, officially known as the Small Business Health Options Program (SHOP). This marketplace is available to employers with fewer than 50 full-time equivalent employees.

What is Small Business Health Options Program (SHOP)?

SHOP was established to help employers compare the cost and benefits of a large number of health insurance plans, all in one convenient online location. Employers can investigate options on their own or with their agent or broker. The premiums remain the same regardless of whether or not you have assistance.

Each state will have a SHOP Marketplace, and your office or worksite must be within a SHOP’s service area if you want to use it. When you complete the online application, it will direct you to the appropriate SHOP. Once you choose an insurance plan, you determine what you will pay towards your employees’ premiums. From that point, your employees can enroll in the health plans.

What businesses qualify for SHOP?

From 2014 to 2016, employers with fewer than 50 full-time equivalent (FTE) employees are eligible for SHOP. From 2016, that number will be increased for employers with up to 100 full time equivalent employees. Self-employed workers, with no employees, can use the Health Insurance Marketplace, not SHOP. Employers using SHOP have to offer coverage to all full-time employees. Several states require that at least 70 percent of your full-time employees enroll.

How does SHOP work?

In theory, SHOP will make it easier for you to choose and purchase health insurance for your small business. You are able to select the amount of coverage and the cost of premiums you’ll pay. The online comparison guide helps clarify the pros and cons of each insurance plan, so you know exactly what you’re getting. Furthermore, some small businesses may even qualify for a special health care tax credit that’s worth up to half of your premium costs. From 2014, this credit will only be available for plans purchased through SHOP.

Do my employees have to use the coverage I offer?

No. Employees can purchase coverage through the general Health Insurance Marketplace instead. However, if you offer coverage that meets the minimum value and is considered affordable, employees will not qualify for savings on their monthly premiums through the general Marketplace.

What should I do to prepare?

Small business employers can start purchasing plans for 2014 from October 1st of this year. If you already offer insurance coverage, check with your insurance company to see if they’ll be offering plans through SHOP. If not, you may want to compare your existing coverage with SHOP options, particularly if you might be eligible for the tax credit.

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Natural Health Options Today

In addition to conventional medicine, consumers today have a number of natural health treatment options from which to choose. While it is always best to check with your primary care provider before starting any new health regimen, individuals should also do a little homework on the different kinds of natural health care systems that are available to them.

Traditional Chinese medicine (TCM) is one of the many natural health care options assessable to patients today. Some of the various health treatments that TCM provides patients include acupuncture, herbal medicine, or Tuina (Chinese medical massage). Other health services provided by professional Oriental medicine practitioners may involve Tai Chi, Qigong, meridian therapy, moxibustion, cupping, and ear acupuncture, among others.

If you’re searching for a better way to relax and to relieve stress and anxiety, then natural health therapies like massage may serve your needs. Though there are over 80 types of massage modalities, most licensed massage therapists are trained in sports massage, Swedish massage, and deep tissue therapy. However, a growing number of massage practitioners have gained advanced training in therapeutic modalities like craniosacral therapy, myofascial release, lymphatic drainage, infant and prenatal massage, and chair massage, among others. In addition to its natural health attributes in promoting overall wellbeing, massage therapy is also helpful in relieving aches and pains associated with musculoskeletal conditions, like fibromyalgia.

Naturopathy or homeopathy are also natural health medicines that may be helpful in treating common and chronic health problems. For example, an experienced homeopathic practitioner may treat patients with homeopathic remedies that are derived from animal, mineral, plant and synthetic substances. Other common, natural healing treatments facilitated by both homeopathic and naturopathic practitioners include flower remedies (i.e., Bach flower remedies) and energy healing therapies.

Chiropractic is also a form of natural health care that is used by patients everywhere. This complementary medicine is practiced by licensed chiropractors, who gently manipulate the spinal column to remove “blockages” and to restore health

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Home Health Options

When you need extended care after surgery or any other kind of health problem, home health services are a very convenient method of rehabilitation outside of the hospital. This allows people to receive healthcare through their own home to help them recover as quickly as possible. Whilst this was not even an option a few years ago, it is now possible to choose these convenient health options which are continuing to grow all the time.

Due to an increase in the aging population there has had to be a boom in the healthcare industry at home people tend to recover more quickly from any illness if they get treatment in their own home and around familiar surroundings, which also means that family and friends get to visit whenever they want. Due to these factors there is a much higher demand for being at home these days, so many hospitals have now expanded their services to include home health options.

When you opt to receive health care at home you will receive all traditional nursing that would be found in a hospital or a nursing home. This includes any basic medical care such as giving medications, any dressing changes, checking general health and vital signs, helping the patient to move around the home, as well as giving baths and helping with any physical therapy and so on. However home care also provides a lot more, offering a way for the patient to socialize, and performing other tasks and such as chores making meals or helping out with a shopping.

As well as being more convenient, home health care can be a lot cheaper than paying for hospital costs or the cost of living in a nursing home. This means that insurance companies will be more likely to be able to cover the whole cost of the healthcare, saving you money and stress and allowing you to live a full life at home. However, you should always check your insurance policy thoroughly, as cover will vary depending on the illness and according to the policy review you have taken out.

When looking for a home health service, it is important shop around to see exactly what is available. There can be many different options around, as well as many different companies offering the service. You need to make sure that you find a reputable company, as well as one who has expert employees including doctors, nurses, as well as therapists who are registered and have experience in that field.

A good way to judge the expertise of new employee is by asking how long they have been working for that particular company. You should also find out if the company can provide any local references. Any good company should be able to provide you references but you can also ask around the community. However, even if they are extremely reliable they may not offer exactly what you are looking for, so it is important to have around all the healthcare providers in your local area.

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Natural Health Options – Don’t Be Confused by the Array

Natural health options abound. There are so many available now, you can be forgiven for feeling rather confused by the different options. Which do you choose?

First, you need to recognise what it is you’re searching for. Is it for a specific problem, or just general improved health? Do you want to be able to use the chosen modality yourself as well as consult with a professional? Is it even possible? Are you looking for a hands-on modality or a hands-off?

For example, massage, reiki, bowen, chiropractic, osteopathy and others are all hands-on body work. Bowen is, in general, much more gentle than chiropractic.

Many of the body work options require you to have regular sessions, such as once or twice a week or month, depending on the nature of your health problem.

And with these modalities, you need professional help each time.

However with homeopathy, a hands-off modality of health care, you can achieve very deep healing both under the guidance of a professional homeopath and by learning to use some of the common homeopathic remedies at home.

Homeopathy is a complete and natural health care system which works by stimulating your immune system to heal you. The remedies are taken orally. They have the potential of quickly and permanently fixing your health problem many other modalities can’t.

As an example, one of my patients has found that by taking the homeopathic remedy Arnica 30c regularly, she has been able to dispense with her weekly chiropractic sessions. Her work is physical and involves a lot of bending and carrying. As a result, her back is often very weary at the end of the day.

Arnica is not only helping her healing, it is also helping to strengthen her back muscles, as she finds she needs less and less, even though her work load is the same

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Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

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What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

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