American Home Shield Insurance Quotes

A wakeup call for businesses

Health care spending in 2011 accounted for roughly 17 percent of our gross domestic product, or $2.5 trillion.

That’s a little over $8,000 for every person in America.

And the Congressional Budget Office projects it will rise to 25 percent of the GDP in 2025.

Businesses that offer health insurance are absorbing these staggering increases, and this is cutting into their bottom line.

In the U.S., some 155 million people get their insurance at work.

In a nutshell, U.S. businesses subsidize more than 50 percent of all insured Americans.

In Louisiana, the figure is 46 percent.

A number of factors contribute to the rising cost of health care.

Medical services top the list.

Health care affordability is a complex problem, and we shouldn’t look to the federal government to address it.

The good news is that market forces in Louisiana are coming together to bring down the cost of health care in our state by embracing the patient-centered medical home, a coordinated-care delivery model centered on quality.

The evidence of cost savings through medical homes is powerful.

And these impressive savings are being achieved by delivering the right care, at the right place, at the right time, not through the HMO “efficiencies” of the 1980s and ’90s.

In the medical home model, the emphasis is on quality care.

Here are some examples:

n The Intermountain Healthcare Medical Group in Utah reported a 39 percent decrease in E.R. admissions, a 24 percent decrease in hospital admissions and a net reduction in overall per-patient spending of $640.

n The Veterans Health Administration, using the medical home care delivery system, recently reported a 27 percent reduction in both E.R. visits and hospitalizations, as well as 13 percent lower median health care costs for veterans.

Because of successes such as these, Blue Cross and Blue Shield of Louisiana has embraced the medical home model.

Fireplace Safety Tips from American Home Shield Insurance | lubbock

3. Keep an eye on small children when a fire is burning, and keep them away from fireplace tools. Consider installing a childproof fireplace gate.

4. Never leave a fire unattended. Remember to put it out before leaving the house or going to bed.

5. Install smoke detectors on every floor of your house as well as inside and outside of bedrooms.

6. If your wood-burning fireplace has glass doors, leave them open when burning a fire. This helps ensure that the fire receives enough air and prevents creosote — a gummy substance created during the burning process — from building up in the chimney.

7. When the glass doors are open, make sure the metal mesh screen is closed. This will help contain the embers.

8. Never start a fire with flammable liquids. Never burn trash, debris or cardboard boxes.

9. Avoid using soft, moist wood, which accelerates the buildup of creosote. Use seasoned hardwood instead.

10. If you have an unvented gas fireplace, make sure you open at least one window for air circulation.

American Home Shield is providing the information for general guidance only. Due to the general nature of the property maintenance and improvement advice in this material, neither American Home Shield Corporation, nor its licensed subsidiaries assumes any responsibility for any loss or damage which may be suffered by the use of this information.

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