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	<title>Medical Center Alternative Health</title>
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		<title>Need More Pornography Experiences? Visit Bangyoulater.com</title>
		<link>http://www.cityclubwaukegan.com/475-need-more-pornography-experiences-visit-bangyoulater-com.html</link>
		<comments>http://www.cityclubwaukegan.com/475-need-more-pornography-experiences-visit-bangyoulater-com.html#comments</comments>
		<pubDate>Fri, 09 Mar 2012 15:01:00 +0000</pubDate>
		<dc:creator></dc:creator>
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		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=475</guid>
		<description><![CDATA[Pornography will always become interesting thing to talk about. Along with the development of the internet these days, porn industry has massively grown very rapidly. Every day, thousands of new porn sites appear to fulfill all people’s desires about porn. And thus, some of them are getting confused to find the best porn site that [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><a id="yui_3_2_0_18_1331304310944718" href="http://www.bangyoulater.com/" target="_blank">Pornography</a> will always become interesting thing to talk about. Along with the development of the internet these days, porn industry has massively grown very rapidly. Every day, thousands of new porn sites appear to fulfill all people’s desires about porn. And thus, some of them are getting confused to find the best porn site that will provide them high quality videos. Moreover, many porn sites are presented to people along with thousands viruses that can be very dangerous for their PC. Moreover, sometimes they have to pay some amount of money only to be able to download all porn videos they want.</p>
<p id="yui_3_2_0_18_1331304310944714" style="text-align: justify;">&nbsp;</p>
<p id="yui_3_2_0_18_1331304310944565" style="text-align: justify;">If you are looking for the best porn site that will give you a lot of easiness in downloading your porn videos, then you are suggested to visit bangyoulater.com. This site is one of the best porn sites that are recommended to you who are looking for the best quality porn videos only. Here, you will be presented high definition porn videos with a lot of categories that you can choose based on your interest. And of course, you can download all easily without even pay any money. All are presented to you freely, and all free from any kinds of viruses that can be very harmful for your PC.</p>
<p id="yui_3_2_0_18_1331304310944612" style="text-align: justify;">&nbsp;</p>
<p id="yui_3_2_0_18_1331304310944568" style="text-align: justify;">However, if you are about to download all videos you want from this site, you have to be the member of this site. To be the member of this site is very easy. You just need to do online registration through this porn site directly, and once you are registered, you will be allowed to download all kinds of videos you want here. Not only that, but you will be allowed to join the online dating service that is presented by this site also freely. Here, you can date and chat all kinds women you are interested in, whether you want it to be one night stand or more than that. Interested?</p>
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		<item>
		<title>Get Some Fun by Editing Your Photo</title>
		<link>http://www.cityclubwaukegan.com/470-get-some-fun-by-editing-your-photo.html</link>
		<comments>http://www.cityclubwaukegan.com/470-get-some-fun-by-editing-your-photo.html#comments</comments>
		<pubDate>Wed, 07 Mar 2012 00:51:24 +0000</pubDate>
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		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=470</guid>
		<description><![CDATA[Having unique photo is pleasure thing. There are many people who love to edit their photo in order to get catchy image of them. Photofunia is the one of the photo editor software that can be used online and freely. You do not have to learn much in order to customize your photo, because this [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Having unique photo is pleasure thing. There are many people who love to edit their photo in order to get catchy image of them.  <a href="http://en.picjoke.net/">Photofunia</a> is the one of the photo editor software that can be used online and freely. You do not have to learn much in order to customize your photo, because this kind of photo editor is tend to easy to use.</p>
<p style="text-align: justify;">Besides, the large option of <a href="http://en.picjoke.net/">photo effects</a> is available in its site. You can choose your favorite photo theme and features to be added in your photo. This <a href="http://en.picjoke.net/">funny photo</a> helps you to have gorgeous photo without have to be a pro.</p>
]]></content:encoded>
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		<title>The Role of a Medical Assistant in a Clinic</title>
		<link>http://www.cityclubwaukegan.com/439-the-role-of-a-medical-assistant-in-a-clinic.html</link>
		<comments>http://www.cityclubwaukegan.com/439-the-role-of-a-medical-assistant-in-a-clinic.html#comments</comments>
		<pubDate>Mon, 06 Feb 2012 01:07:05 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=439</guid>
		<description><![CDATA[Medical assistants are an important part of a clinic or a doctor&#8217;s office. Their primary role is to ensure that the office of doctors or the medical centers where they are employed runs without any glitches or hindrance. Their role can keep on changing depending on the place where they are employed or the need [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>Medical assistants are an important part of a clinic or a  doctor&#8217;s office. Their primary role is to ensure that the office of  doctors or the medical centers where they are employed runs without any  glitches or hindrance. Their role can keep on changing depending on the  place where they are employed or the need of the situation prevailing at  that point in time.</p>
<p>In small offices or clinics, a usually  performs a variety of duties both clinical and administrative. In a  larger set-up however, where there are many medical assistants at work,  they may be assigned specialized tasks. Generally, the job of a medical  assistant can be classified as Clerical, Administrative, Clinical and  Specialists.</p>
<p>Duties that are repetitive but crucial for the smooth  running of a hospital or clinic are often performed by a clerical.  Their job involves answering or making phone calls, scheduling  appointments, checking mails and type memos and letters as dictated by  the doctors.</p>
<p>An administrative usually handles tasks that pertain  specifically to medical therapy and administrative part of it. They  handle medical claim forms, manage and update patients&#8217; files, schedule  appointments and tests, arrange for admission to the clinic or hospitals  and also look after the billing and book-keeping of the clinic.</p>
<p>Clinical  work according to the laws of the specific state. Their role is more  medical related than that of an administrative or clerical. Their work  includes preparing the patients for diagnosis, taking the medical  history of the patient and assisting the physician during the  examination. Their role includes explaining the medical procedures to  the patient, call pharmacies for prescription, collect samples for lab  testing and ensure that all clinical equipments are sterilized properly.  Experienced can also draw blood, remove sutures and take readings on  the electrocardiograms if needed.</p>
<p>Specialized are those who have  gained expertise in a particular field. Their role in the hospital or  clinic signifies their expertise. For instance, a medical lab assistant  is expected to perform duties that are lab specific such as testing and  documenting species. Those who have expertise in the field of  ophthalmology will work in close coordination with optometrists in  testing the eyes of the patient, instruction on various aspects of eye  care and proper use of eye lens.</p>
<p>Job opportunities for are immense  and growing every year. With health care facilities expanding rapidly  and the enormous growth of outpatient treatment facilities, more jobs  are being created for medical assistants every year.</p>
</div>
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		<item>
		<title>The Beginner&#8217;s Guide to Secure Medical Jobs in Dubai</title>
		<link>http://www.cityclubwaukegan.com/438-the-beginners-guide-to-secure-medical-jobs-in-dubai-2.html</link>
		<comments>http://www.cityclubwaukegan.com/438-the-beginners-guide-to-secure-medical-jobs-in-dubai-2.html#comments</comments>
		<pubDate>Sun, 05 Feb 2012 01:07:42 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=438</guid>
		<description><![CDATA[Health Care is becoming increasingly expensive in the Western Countries. Dubai saw an opportunity in Health Care Tourism, attracting patients and their relatives to Dubai for First World treatment at Second World prices. No doubt this proved to be a big winner. The big, successful Hospital chains from the West were invited to start operations [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Health Care is becoming increasingly expensive in the Western  Countries. Dubai saw an opportunity in Health Care Tourism, attracting  patients and their relatives to Dubai for First World treatment at  Second World prices. No doubt this proved to be a big winner. The big,  successful Hospital chains from the West were invited to start  operations and quite obviously this created a great demand for high  quality Medical Jobs in Dubai. Health Care Jobs in Dubai have since  started to boom. In fact, Doctors and Nurses from the West have started  seriously eyeing jobs in Dubai, due to the good lifestyle and 100%  Income Tax free jobs here. Throw in a bunch of excellent Perks like a  well furnished apartment or villa, a luxury car and you have the best  talent vying to secure a job in the City of Gold.</p>
<p style="text-align: justify;">Applying to  Recruitment Agencies is very important, but not sufficient enough. To  secure lucrative Dubai Medical Jobs requires you to be more proactive.  We present extensive information on our website, that you will find very  useful to apply and secure your DREAM Dubai Medical Jobs.</p>
<p style="text-align: justify;">I  advise you to follow and implement each and every step and link given.  That will ensure you receive lots of quality offers of Dubai Medical  Jobs, that you can choose from.</p>
<p style="text-align: justify;"><strong>In-Demand Medical Jobs in Dubai:</strong></p>
<ol style="text-align: justify;">
<li>Radiographer, Radiologist, Dermatologist,</li>
<li>Pharmacist Retail / Hospital, Health Care / Medical Professionals,</li>
<li>Anesthesiologist / Anaesthesist, Orthopedic surgeon,</li>
<li>Endodontics, Gynecologist, General Practitioner,</li>
<li>Cardiologist, Head Medical Centre, Orthopedician,</li>
<li>Sonologist, Dentist, Lab Technician, Consultant Haematologist,</li>
<li>Physiotherapist, ENT Specialist, Urologist,</li>
<li>Neurologist, Pediatrician, Pathologist,</li>
<li>Specialist Internal Medicine, Specialist Surgeon, Specialist Physician,</li>
<li>Alternative Medicine Doctor, Unani, Ayurvedic or Homeopathic Doctor,</li>
<li>Medical Director, Audiologist, Gastroenterologist,</li>
<li>Medical Oncologist, Occupational Health Specialist,</li>
<li>Obstetrics and Gynecology Consultant, Consultant Anesthesiologist,</li>
<li>Endoscopy Nurse, Specialty Doctor Adult / Respiratory Medicine,</li>
<li>Specialty Doctor Medicine / Stroke Unit, Specialty Doctor &#8211; Care of the Elderly.</li>
</ol>
<p style="text-align: justify;"><strong>These are a few of the most popular actions that you can perform:</strong></p>
<ol style="text-align: justify;">
<li>Upload your Resume on Recruiting Agencies websites, (a mix of general agencies and, those specific to Healthcare Jobs in Dubai.</li>
<li>Upload you Resume on Hospital &amp; Nursing Homes Websites, that offer lucrative Health Care Jobs in Dubai.</li>
<li>Interview Questions &amp; Answers (Middle East region specific)</li>
<li>Interview Cracking Tips</li>
<li>Names of top recruiters to follow on Twitter &amp; Facebook etc.</li>
</ol>
<p style="text-align: justify;"><strong>Uploading  &amp; registering your Resume on the websites of the following  Recruitment Agencies in Dubai is highly recommended. These agencies  specifically recruit for Medical Jobs in Dubai:</strong></p>
<ul style="text-align: justify;">
<li>EMedHR</li>
<li>MIR Recruitment Ltd.</li>
<li>Al Fujair</li>
<li>Al Madina Agencies &amp; Services</li>
<li>Al Thawiya</li>
<li>A F Ferguson</li>
<li>Appointments Dubai</li>
<li>Asia-Gulf Recruitment Services Est.</li>
<li>Beresford Blake Thomas (BBT) Limited</li>
<li>BEAMS International Management Consultants</li>
</ul>
<p style="text-align: justify;"><strong>Uploading  &amp; registering your Resume on the websites of the following  Hospitals &amp; Nursing Homes in Dubai is highly recommended. These  institutions are some of the top hirers, and they come out tops when  employee satisfaction is concerned:</strong></p>
<ul style="text-align: justify;">
<li>Emaar Healthcare</li>
<li>NMC Speciality Hospitals</li>
<li>Cedars &#8211; Jebel Ali International Hospital</li>
<li>Ghodousi Medical Center</li>
<li>Neuro Spinal Hospital</li>
<li>Al Maktoum Hospital</li>
<li>Dubai Hospital</li>
<li>Belhoul European Hospital</li>
<li>The Emirates Hospital &#8211; Dubai</li>
<li>Aga Khan University Hospital</li>
</ul>
<p style="text-align: justify;">The most IMPORTANT thing to remember:<br />
Diagnose Your Resume To Perfect Health. You&#8217;ve just GOT TO have the  perfect Resume. If you do not know how to make a Perfect Resume, contact  us for help.</p>
<p style="text-align: justify;"><strong>Some names of top recruiters to follow on Twitter.</strong></p>
<ul style="text-align: justify;">
<li>dubai_4ever</li>
<li>JobsInDubaicom</li>
<li>jobsndubai</li>
</ul>
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		<item>
		<title>A Little Bit About Medical Assistant Salary And Its Job Description</title>
		<link>http://www.cityclubwaukegan.com/437-a-little-bit-about-medical-assistant-salary-and-its-job-description.html</link>
		<comments>http://www.cityclubwaukegan.com/437-a-little-bit-about-medical-assistant-salary-and-its-job-description.html#comments</comments>
		<pubDate>Sat, 04 Feb 2012 01:06:58 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=437</guid>
		<description><![CDATA[Medical assistants nowadays are highly in demand, whether it&#8217;s for hospital or private clinic employment. You must be wondering why the Internet is flooded by articles and websites promoting this profession, the answer is simple, because it&#8217;s one of the hottest jobs today. So how does one get to be in this profession and what [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Medical assistants nowadays are highly in demand, whether it&#8217;s for  hospital or private clinic employment. You must be wondering why the  Internet is flooded by articles and websites promoting this profession,  the answer is simple, because it&#8217;s one of the hottest jobs today. So how  does one get to be in this profession and what educational attainment  is required to be in this job?</p>
<p style="text-align: justify;">A person who wants to be a medical  assistant can simply enroll themselves in a vocational school, online  program or technical schools that offer medical assisting courses  accredited by the Commission on Accreditation of Allied Health Education  Programs. You may also see a community college or junior colleges  offering similar courses accredited by the Accrediting Bureau of Health  Education Schools and this is totally fine. As long as the school or  program is registered, or accredited by either of the association  mentioned, you can be assured of a quality education.</p>
<p style="text-align: justify;">So what can  you expect when it comes to your future medical assistant salary? Entry  level for this position can expect to earn $9 an hour and for those with  a higher educational attainment and certification can expect about $15  an hour. The more years you spend in this job the higher your medical  assistant salary gets and if you want a promotion you can always aim as  an office manager in a hospital handling other med assistants and other  administrative workers.</p>
<p style="text-align: justify;">This profession shouldn&#8217;t be mistaken with  physician&#8217;s assistants because a PA is more into medical procedures and  hands-on to patients while a med assistant is more focused on  administrative tasks. Some med assistants may administer injections,  laboratory test and simple gathering of vital signs but that&#8217;s all  basically. A task more complicated than what was mentioned will not be  handled by medical assistants but maintenance and operation of medical  equipments are one of the duties that can be assigned to them.</p>
<p style="text-align: justify;">This  profession is highly in demand because of the versatility and the help  that can be provided in a clinic or a hospital. Since most medical  assistants are trained to do almost anything administrative and simple  clinical procedure, patients gets to be attended quickly even though the  doctor is not yet around. The idea of hiring an MA is to pass the  administrative task a physician has to be able to focus on the patients  and prioritize other things that matters most. You will see most of  these professionals in hospitals, ambulatory wellness clinics and  medical centers situated in the lobby area attending to patients&#8217;  queries and concerns. They are also the same person who will assist you  in getting ready for your lab test.</p>
<p style="text-align: justify;">Earning a medical assistant  salary may not be that high compared to other jobs in the healthcare  field but if you will consider the economy we have now and the tasks you  will be doing in this job, the wage being offered is already  attractive.</p>
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		<title>Why More People Using Alternative Medicine</title>
		<link>http://www.cityclubwaukegan.com/428-why-more-people-using-alternative-medicine.html</link>
		<comments>http://www.cityclubwaukegan.com/428-why-more-people-using-alternative-medicine.html#comments</comments>
		<pubDate>Mon, 23 Jan 2012 17:49:32 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=428</guid>
		<description><![CDATA[The link between body, mind, and spirit is fast being accepted by many who would just in recent years have thought this to be a luxury at best and a scam at worst. In Roaring Fork Valley, they&#8217;re ahead of the curve in realizing that this is the only way that true healing can ever [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>The link between body, mind, and spirit is fast being accepted by  many who would just in recent years have thought this to be a luxury at  best and a scam at worst. In Roaring Fork Valley, they&#8217;re ahead of the  curve in realizing that this is the only way that true healing can ever  really happen.</p>
<p>You don&#8217;t want to just go to the doctor&#8217;s and be  handed a quick diagnosis that involves some serious medication with  unknown side effects or some major surgery. Nor do you want to be  automatically subjected to a battry of tests that the medical community  deems necessary mostly to save itself from any possible lawsuits that  might arise from a test not ordered.</p>
<p>It seems as if even the most  conservative people nowadays are familiar with things like yoga classes,  tai chi practices, and acupuncture. They&#8217;re even offered in local gyms  and health centers. So a naturalistic doctor may order the tests if they  seem necessary, but he or she will also prescribe things like one of  the above practices or a vitamin or herbal supplement regime.</p>
<p>That&#8217;s  the difference. Instead of calling it alternative medicine, it might  more correctly be called complementary medicine. Eastern and western  medicine are best used together. After all, the medicine we call  mainstream and traditional is really only mainstream and traditional  here in the western hemisphere. There are many other places in the world  where eastern and other practices would just as likely be the norm.</p>
<p>Sure,  there can be abuses and charlatans as some claim. But there are many  who offer valid methodologies and don&#8217;t overcharge for providing them.  They let you make your own decisions after they provide you with  information.</p>
<p>That&#8217;s the kind of complimentary medicine you want to  take part in. Energy healing that&#8217;s done with acupuncture, reiki, or  therapeutic touch may seem very esoteric and strange, but really a lot  of the world understands the body to be an energy system that can be  affected by touch or hands held above that part of the body where the  energy flow is blocked.</p>
<p>This can be a great addition to any kind  of medicine or surgery you might have to have because it fosters  healing. Even the most conservative members of the medical community  realize that a positive outlook affects the ability to heal.</p>
<p>So in  that respect, there&#8217;s an awareness that complementary practices such as  relaxation techniques and deep breathing as well as positive imagery  and self-talk is a great way to assist in fostering health and well  being. So don&#8217;t pick just one or the other. Let these two systems of  medicine work together in your life, either to maintain your health or  to heal from a serious problem you may be having.</p>
</div>
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		</item>
		<item>
		<title>Assessing Your Contact Center is Easy Now!</title>
		<link>http://www.cityclubwaukegan.com/427-assessing-your-contact-center-is-easy-now.html</link>
		<comments>http://www.cityclubwaukegan.com/427-assessing-your-contact-center-is-easy-now.html#comments</comments>
		<pubDate>Sun, 22 Jan 2012 17:50:28 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cityclubwaukegan.com/?p=427</guid>
		<description><![CDATA[An assessment program is an essential tool that would help improve and organization. It is designed to identify the areas that need special attention. An expert or a professional in the field of assessment is employed to do the job. Call Center Assessment providers provide experts who have call center leadership background and understand fully [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>An assessment program is an essential tool that would help  improve and organization. It is designed to identify the areas that need  special attention. An expert or a professional in the field of  assessment is employed to do the job. Call Center Assessment providers  provide experts who have call center leadership background and  understand fully the operation of the industry. He is expected to  identify the specific areas that need attention and provide the  organization with an expert solution.</p>
<p>Call center assessment could  be likened to an executive medical checkup where early detection of any  sign of health problem could be addressed and further problems could be  prevented. So call centers health is assessed so that early detection  of minor inefficiencies could be addressed and corrected. To effectively  assess the call center&#8217;s performance, each area in the operation is  specified and reviewed and these are the following:</p>
<p>- Review the call center structure if and whether it supports the vision and mission of the company</p>
<p>- Customer Relations. The customer satisfaction is assessed through survey forms or customer feedbacks.</p>
<p>-  Job Owner relationship with his employee. Satisfied customers are  result of good service and good service are result of satisfied  employee. The satisfaction levels of employees are gauged.</p>
<p>-  Quality assurance and performance. Quality assurance forms and reports  are analyzed and study how quality data is applied. The assessment is  conducted to take your call center performance to next level.</p>
<p>- Effective coaching and supervision. Observe if coaching sessions are effective.</p>
<p>- Training. Analyze and identify the ways to improve the efficiency of the training program.</p>
<p>- Hiring and Staffing. Analyze how hiring are conducted and identify the areas which needed improvement.</p>
<p>- Staff Utilization. It should answer the question of having the right person on the right position all the time.</p>
<p>- Work Order Management. These would lead to the study of workforce management processes such as:</p>
<p>1. Forecasting methodology</p>
<p>2. Staffing and scheduling</p>
<p>3. Real time management practices</p>
<p>4. Effective workforce management team.</p>
<p>- Process and Information Management. Observe and analyze call &#8216; handling.<br />
Service Level Agreements and Key Performance Indicators. Key Service  Indicators of KPI&#8217;s shows that the SLM is properly functioning. The  weak areas must be improved.</p>
<p>- Call Management. The call routing  is observed in the following stages Site by site routing rules Menu  choices Prioritization of queue Transfer volumes and protocols  Skills-based routing rules Technology</p>
<p>- Security Management.  Assess the scope of security and disaster recovery (or business  continuity) plan and the ability to meet objectives during a crisis.</p>
<p>- Interaction Management. Analyze how effective customer interaction is managed</p>
<p>- Web Self Service. Assess how effective this e- support.</p>
<p>-  Contact Center Management. It is the central point of contact with  customers. Call Center software and applications are software and tools  help improve the initial customer experience and impression. Customers  should be given access options and alternatives, streamlining customer  transactions and creating a system that would facilitate easy follow  ups.</p>
<p>- Analysis And Reporting. How good are our reporting tools  and applications? Is the system providing the needed data for analysis?</p>
<p>-  Technical. Is the system current and up to date? Are we getting the  best out of our systems, and high efficiency on their performance?</p>
<p>The  final presentation includes recommendations and risks and input on  suggested action plan. All of these is a result of several days of  assessment work which is done with in the work area. Assessment  identifies and at the same time recommends solution to the problems  found.</p>
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		<title>Alternate Risk Transfer (ART) &#8211; Insurance Strategies</title>
		<link>http://www.cityclubwaukegan.com/426-alternate-risk-transfer-art-insurance-strategies.html</link>
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		<pubDate>Sat, 21 Jan 2012 17:49:25 +0000</pubDate>
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		<description><![CDATA[Risk Management Alternate Risk Transfer is a fancy way of saying alternate methods of insurance and risk management, of which there are many. From the most basic alternative of going without insurance (self-insuring) to so-called &#8220;program business captives&#8221;, there are a wide variety of strategies from which to choose. To understand why ART strategies are [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>Risk Management</p>
<p>Alternate Risk Transfer is a fancy way of  saying alternate methods of insurance and risk management, of which  there are many. From the most basic alternative of going without  insurance (self-insuring) to so-called &#8220;program business captives&#8221;,  there are a wide variety of strategies from which to choose.</p>
<p>To understand why ART strategies are so popular it is important to understand a few facts about insurance pricing.</p>
<p>?Insurance Premiums are related primarily to economic cycles NOT primarily to claims.</p>
<p>&#8220;The  claims that recent increases in medical malpractice liability insurance  premiums in Connecticut are attributable to overly generous jury  verdicts are unfounded. The more likely explanation for the sudden rise  in rates is the decrease in investment earnings of the medical  malpractice insurers&#8230;&#8221;  Professor Tom Baker, Director, Insurance Law  Center, University of Connecticut School of Law</p>
<p>Every time  insurance industry profits decline sharply, the industry declares an  &#8220;insurance crisis&#8221; &#8211; rates go up sharply, deductibles rise and  underwriting guidelines tighten.</p>
<p>?Insurance Premiums have risen much faster than claims.</p>
<p>Median medical malpractice payments rose 35 Percent from 1997 to 2001 (an average of 8.5% a year).<br />
Average premiums for single health insurance coverage increased 39  percent over that time period (9.5% per year). (Source: National  Practitioner Database)</p>
<p>?A small number of insured may be responsible for a large percentage of losses.</p>
<p>National Practitioners Database:</p>
<p>For  example, in Florida, 6% of the doctors were found to be responsible for  51% of the malpractice claims. 2,674 out of 44,747 doctors have paid  two or more malpractice payments. These doctors are responsible for 51%  of total malpractice payments.</p>
<p>24 Florida physicians have paid 10 or more malpractice settlements since 1990.</p>
<p>Needless to say, the 94% pay for the poor claims experience of the 6%.<br />
ART Strategies</p>
<p>Conventional insurance markets are one-year  indemnity contracts designed to transfer specific hazard risks. Typical  features of an ART strategy are:</p>
<p>?Multi-year, multi-line coverage</p>
<p>?Coverage tailored to special need of insured</p>
<p>?Provides coverage not generally available in the marketplace</p>
<p>?Risk retention by insured</p>
<p>There  is a multifarious trade-off between risk retention, complexity and cost  among the various different ART strategies. Not surprisingly, the plans  with the least risk, complexity and expense generally provide the least  benefit. As more risk is retained, the greater and greater benefits can  be obtained. Of course, complexity and administrative expenses grow as  well. Windward Harbor can help you find, execute and manage the right  strategy for you. We have listed the basic ART strategies below.</p>
<p>?Guaranteed Cost Insurance Plans</p>
<p>Traditional insurance coverage.</p>
<p>?Loss Sensitive Insurance Plans</p>
<p>Insurance coverage for a specific insured where the final premium is based on the insured&#8217;s losses.</p>
<p>?Risk Purchasing Groups (RP&#8217;s)</p>
<p>Risk  Purchasing Groups were created by the Liability Risk Retention Act of  1986. The purpose of the act was to break through the myriad of state  insurance regulation in the hopes of making it easier for groups to  purchase liability insurance. The act allows groups of individuals  combine to purchase liability insurance while prohibiting states  (regulators) or insurance companies from discriminating against them.</p>
<p>?Self-Insured Retention Plans (SIRS)</p>
<p>The  primary difference between a deductible and a self-insured retention is  that a deductible amount counts against the total limits of the policy,  reducing total coverage, whereas a self-insured retention plan provides  limits of coverage in excess of the self-insured retention so that the  amount payable under the policy is not reduced by the amount of the  retention.</p>
<p>?Protected Cell Captives (Segregated Portfolio Companies)</p>
<p>PCCs  (SPC&#8217;s in certain domiciles) are essentially rent-a-captive companies  that ensure complete separation among program participants. According to  the laws of specific domiciles, PCCs or SPC&#8217;s generally guarantee  complete separation of each cell&#8217;s assets, capital, and surplus from  each other. Because they can achieve economies of scale, rent-a-captives  make captive insurance affordable for companies that would not  otherwise be large enough to profitably own and operate their own  captive.<br />
Windward Harbor LLC owns a BVI licensed Segregated Portfolio Company  &#8211; Windward Harbor SPC Ltd, which provides rent-a-captive services for  selected clients on an annual fee basis. Each segregated portfolio has  its own economic ownership, tax Id number and files a separate tax  return.</p>
<p>?Self-Insured Groups &amp; Pools (SIG&#8217;s)</p>
<p>While the  concept differs slightly from state to state, SIGs work similarly in the  nearly 40 states in which they are legal. A group of employers form a  nonprofit corporation or trust and hire a professional to manage it.  This new entity then purchases the insurance, meaning the SIG members  essentially &#8220;own&#8221; their own workers&#8217; comp company.</p>
<p>The group pools  the money it otherwise would pay an insurer, earning investment income  on funds held in reserve. If a SIG program cuts down on workplace  injuries and claim costs, the surplus, or &#8220;dividend,&#8221; from premiums is  returned to members.</p>
<p>Of course, if a company or the group as a  whole has catastrophic losses, members pay the difference, up to a  limit. Above that point, the group buys excess insurance to offset a  single large loss or a combination of losses.</p>
<p>?Captives (See Captive Services)</p>
<p>A  captive insurance company is an insurance company that is owned and  controlled by its insureds. According to Captive Insurance Companies  Association (CICA), the first captive ever formed was in the late 1800s,  and was designed to write more cost effective fire insurance policies  for New England textile manufacturers that were hit hard by increasing  market rates.</p>
<p>Captives gained popularity in the 1980s as a result of the US liability crisis, particularly in the medical arena.</p>
<p>As  captives have continued to grow over time, employers are considering  employee benefits as a new or expanded coverage. The more recent hard  market and changing economy is expected to spur even more and rapid  industry growth yet this year.</p>
<p>Single Parent (Pure) Captive: A  single parent captive is owned and controlled by one owner, typically  the parent organization, and is formed as a subsidiary company. The  captive subsidiary underwrites policies for the parent, and solely bears  the risks of the parent.</p>
<p>?Group Captive: A group captive is owned  and controlled by multiple insureds. They may or may not be related  entities or a part of a homogeneous group like industry or trade groups.  Typically, companies of similar size pool their risks in an industry  captive with customized insurance plans. Similarly, companies of similar  size in different industries can also form group captives to enjoy the  benefits of a captive model. More recently, associations have been  forming association captive insurance companies to offer captive  services as part of their membership benefits.</p>
<p>?Agency Captive:  Agency captives are companies typically owned by groups of brokers or  other insurance intermediaries and are typically structured like  rent-a-captives.</p>
<p>?Risk Retention Groups</p>
<p>Risk Retention  Groups were also created by the Liability Risk Retention Act of 1986,  which provides for streamlined regulation. A RRG is an insurance company  in every regard but has one very important regulatory distinction.  Every RRG chooses a single state in which to be domiciled and regulated.  The act provides that the RRG is then eligible to do business in all  states.</p>
<p>?Program Business Captives</p>
<p>Associations, regional producers and corporations who desire to assume some selected third-party exposure.</p>
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		<title>Alternative Medicine: What Is It?</title>
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		<pubDate>Sat, 14 Jan 2012 01:22:58 +0000</pubDate>
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		<description><![CDATA[What is alternative medicine? It is a phrase that has been tossed around more and more in the media, the bookstores, and increasingly, the doctor&#8217;s office, but how often does anyone say what alternative medicine is? Theoretically, alternative medicine is any form of medicine that does not fit with in the scientific framework of western [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">What is alternative medicine? It is a phrase that has been tossed  around more and more in the media, the bookstores, and increasingly, the  doctor&#8217;s office, but how often does anyone say what alternative  medicine is?</p>
<p style="text-align: justify;">Theoretically, alternative medicine is any form of  medicine that does not fit with in the scientific framework of western  medicine. Once a form of medicine has been proven scientifically  effective, and a theory has been determined to explain in the language  of western medicine why it is effective, it should no longer be  considered alternative</p>
<p style="text-align: justify;">Unfortunately, after the theory comes the  politics. In reality, in the United States, alternative medicine is any  form of medicine that has not been accepted as scientifically valid by  the American Medical Association and the United States Government. In  other countries different official bodies will determine what is and is  not alternative medicine. In the United States, massage is alternative  medicine. In Canada massage is conventional medicine, and as such,  highly regulated.</p>
<p style="text-align: justify;">Would you believe that according the US  government&#8217;s National Center for Complementary and Alternative Medicine,  vitamins are a complementary or alternative medicine (depending on how  they are used) that have not yet been proven to have any greater effect  on the human body then a placebo? Personally, I&#8217;d like to know if they  would like to be treated for scurvy with a placebo. I&#8217;ll stick with  vitamin C. There are theoretical uses for vitamins that have not yet  been fully proven, but that does not make the proven effects any less  scientifically valid.</p>
<p style="text-align: justify;">At the same time, just because someone  claims what they offer is medicine does not make it true. Herbal  supplements are not regulated, and may not fully disclose their  ingredients. They certainly will not tell you about any dangerous  interaction with your heart medication!</p>
<p style="text-align: justify;">Of course, you can ask an  expert, but keep in mind that there are many kinds of alternative  medicine, an acupuncturist is not necessarily trained in herbs, and your  primary care physician probably won&#8217;t be trained in any of them.</p>
<p style="text-align: justify;">If  you are interested in using alternative medicine, either for a specific  problem, or simply improve your overall health, it&#8217;s probably best to  first research what kinds of alternative medicine you are interested in,  and speak with you doctor about whether or not she will be willing to  work with an alternative medicine practitioner. Then find a practitioner  who has had training in <em>that specific</em> area of alternative  medicine. Most forms of alternative medicine are not licensed in the  United States, so ask where they went to school, and how long they have  been practicing. Then they can work with your doctor to make sure you  get the care you need, without any unexpected side effects.</p>
<p style="text-align: justify;">Some forms of alternative medicine that might be worth looking into are:</p>
<p style="text-align: justify;">Oriental  medicine: Oriental medicine is the only form of alternative medicine  that is truly comparably to western medicine as a complete system of  medicine. Oriental medicine is based on several theories developed  thousands of years ago and first elaborated on in the Yellow Emperor&#8217;s  Classic, between three and five thousand years ago. Oriental medicine  includes the practices of massage, acupuncture, herbal therapy, qi gong,  and several others. Tradition Chinese Medicine is a variant of oriental  medicine specific to China. It is the only variant of oriental medicine  the can be found with relative ease in the United States. In many parts  of Asia, oriental medicine is still considered the standard of medical  care and western medicine is &#8216;alternative.&#8217;</p>
<p style="text-align: justify;">Herbal therapy: Herbal  therapy is probably the most common form of alternative medicine found  in the United States, and quite possibly one of the riskiest. While most  of the conventional medicines doctors prescribe today were derived from  herbs, the herbal supplements commonly on sale have no common dosages,  mat contain fillers, and will rarely warn of side effects. While herbs  can be used to treat everything that medication can, and possibly quite a  bit more, make sure you speak with a trained herbalist before taking  any. They can tell you what dosage is safe, what suppliers are worth  using, and any potential side effects.</p>
<p style="text-align: justify;">Homeopathy: Homeopathy was  developed in the 1800&#8242;s by two doctors who noticed that quinine, the  only medicine capable of treated malaria, caused symptoms of malaria in  healthy people who were given it. They theorized that like would cure  like, so caffeine which normally causes wakefulness, would be used to  help someone who was not sleeping through the night, sleep better.  Homeopathy is probably the only alternative medicine that is safe to try  without speaking with an expert, because the active substance is so  dilute that it is not possible to over dose, or incur side effects on  the amounts in the local health food store, never mind the few bottles  you would keep in your home. At the same time, it is still best to  consult a homeopath to be sure that what your taking will work for what  you need.</p>
<p style="text-align: justify;">Massage: Massage is the use of hands or tools to  manipulate the muscles and tendons. The two most common uses of massage  are to ease aches and pains, and for stress relief. While there are many  conditions that massage will obviously not help with (diabetes, for  instance), there are many that it is surprisingly effective on, such as  eating disorders, fibromyalgia, and carpal tunnel syndrome. In addition,  almost any muscular injury can be treated with massage to prevent scar  build up, speed healing, and increase a restricted range of motion.  There are many different forms of massage therapy, including Swedish  Massage, Deep Tissue Massage, Pre-Natal Massage, Shiatsu, Thai Massage,  Lomi Lomi, Medical Massage, Chair Massage, Aromatherapy Massage and Hot  Stone Massage. If you go to a massage therapist for a medical condition,  make sure they are trained in Medical Massage. Some states have  licensing programs for massage therapists now, as do most European  countries. If you live in an area that has licensing, make sure the  therapist you go to is licensed.</p>
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		<title>You Can Save the Medical Expense!</title>
		<link>http://www.cityclubwaukegan.com/411-you-can-save-the-medical-expense.html</link>
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		<pubDate>Thu, 12 Jan 2012 16:40:26 +0000</pubDate>
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		<description><![CDATA[There is no doubt that medical expense has been the greatest one among many others. Many people might not realize the issue well, that most of these medical expenses are burdening because they rely so much on the treatment given in many medical centers. Using such facilities means that we have to pay for many [...]]]></description>
			<content:encoded><![CDATA[<p id="yui_3_2_0_1_1326386222098160" style="text-align: justify;">There is no doubt that medical expense has been the greatest one among many others. Many people might not realize the issue well, that most of these medical expenses are burdening because they rely so much on the treatment given in many medical centers. Using such facilities means that we have to pay for many other things that we actually even do not need or use. Knowing such a useless expense, why don’t you do the treatment by yourself?</p>
<p style="text-align: justify;">&nbsp;</p>
<p style="text-align: justify;">Today, there is no more need to be so much dependent in those medical facilities, since what you do not have from them is simply the medical equipment. There is no worry for it, since LGMedSupply offers the opportunity for you to have the equipment in the comfort of your own house. By purchasing <a title="LG-TEC TENS/EMS Combo" href="http://www.lgmedsupply.com/twstteandems.html" target="_blank">LG-TEC Dual Combo TENS Unit and Muscle Stimulator</a>, as an example, you will have two types of equipment at once, <a title="LGMedSupply TENS Units " href="http://www.lgmedsupply.com/" target="_blank">TENS Units</a> and <a title="Muscle Stimulators " href="http://www.lgmedsupply.com/" target="_blank">Muscle Stimulators</a>, which usually you have to use separately by the medical facility.</p>
<p style="text-align: justify;">&nbsp;</p>
<p style="text-align: justify;">Besides, you can even safe the expense by purchasing the equipment that you need by the online site. Try to <a title="Visit LGMedSupply's Website" href="http://www.lgmedsupply.com/" target="_blank">Visit LGMedSupply Online</a> and check by yourself how great and various the products that they have. And for the better shopping, always check their <a title="Visit LGMedSupply's Blog " href="http://blog.lgmedsupply.com/" target="_blank">online customer blog.</a></p>
<p style="text-align: justify;">&nbsp;</p>
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