American Community Mutual Insurance Company has introduced two new consumer-choice health insurance plans for employer groups, families and individuals in Illinois, Iowa, Missouri and Nebraska. The new plans are designed to make health insurance more affordable, especially for small employer groups that may not be able to afford traditional coverage, the self-employed, and those not in employee-sponsored group plans, such as young adults who may no longer be eligible under a parent’s coverage.

The Next Generation HSA and Triple Tier PPO are low-cost PPO (preferred provider) health plans that take a creative approach to risk- and cost-sharing to reduce premiums, while assuring financial protection against catastrophic hospital and medical costs. The plans were introduced earlier this year in Michigan, Indiana and Ohio. Both plans include an industry-leading assortment of self-directed care management tools to help insureds stay healthy, make more informed use of health services, and receive access to health experts 24-hours a day.

The Next Generation HSA is a qualified high-deductible health insurance plan with unique features. These types of plans typically allow the insured to pay deductibles and co-payments from a tax-free Health Savings Account, but American Community adds three innovations, according to Gerald Meach, President and CEO.

First, it offers multiple payment-sharing options to help people select coverage to best fit their needs. Second, the family plan offers the option of a separate, lower deductible for individuals, letting them begin benefits earlier. Third, the deductible is waived for the first 30 days of care after an accident. “This best-in-class benefit saves members from being hit hard with unexpected expenses,” said Meach.

The Triple Tier PPO plan offers lower premiums by providing different benefit levels based on type of care. “The plan provides higher benefits for hospitalizations, emergency care and injuries, the most serious and costly treatments, with lesser benefits for outpatient, non-emergency care where the policyholder can take the time to evaluate, with our assistance, alternatives that can be more cost effective,” he explained.

Both the Next Generation HSA and Triple Tier PPO allow choice of doctors and healthcare providers, with highest benefits for insureds who use preferred providers recognized by American Community.

The company’s new plans offer a TelaDoc physician phone line, 24-hour nurse line, treatment cost calculator, web-based medical library, personal health & symptom evaluation tool, prescription drug pricing and research info, hospital cost comparisons, and health helper tips.

American Community is licensed in 38 states and has embarked on an aggressive program of geographic growth and coverage innovations to help keep health care affordable, according to Meach. The company plans to launch two new consumer-choice products in early 2007.

With beginnings dating back to 1938, American Community is one of the nation’s oldest health insurance companies. Today it markets coverage in Michigan, Ohio, Indiana, Illinois, Missouri, Iowa, Nebraska and Arizona through more than 6,000 independent insurance agents.

For more information about these new products, visit www.american-community.com.

In May 2004, Jonas Slonaker participated in a nine-day, on-camera retreat to focus on using Emotional Freedom Techniques (EFT) to address his symptoms of prostate cancer. He continues to do EFT daily; and today he is still free of any cancer symptoms, and his last three PSA (prostate-specific antigen) counts were “barely over two.”

EFT involves fingertip tapping on select acupressure points while focusing on the physical symptom or unresolved emotion in question. EFT claims an 80% success rate in calming symptoms associated with serious diseases like cancer. It can be learned without cost by downloading the free EFT Manual here.

“What is remarkable about using EFT for serious diseases,” says EFT Founder Gary Craig, “is that when we persistently address unresolved emotional issues and traumas, the symptoms associated with the disease tend to fade … often permanently. In Jonas’s case, he was harboring a deep and unresolved anger at his abusive father. In about 40 minutes of doing EFT together, he no longer felt the explosive anger towards his father.”

Jonas reports, “I urinate just fine and have no pain down there. I stopped taking the medication that helped me urinate. My story is simple. I use EFT everyday to release emotional energy blocks in my system. If I don’t have a particular issue or emotion to release, then I tap and sing the word Love over and over. I tap every morning for fifteen minutes to get my day started. Then I tap whenever the need arises. If someone snaps at me at work, I tap and let that go before it can become a repetitive resentment. Many of the times when I tap, I go into a deep state of peace and now and again I experience radiant joy. EFT helped me reach a place of great love and acceptance and I honestly don’t believe the cancer can survive in that environment.”

To witness Jonas’s on-camera EFT session, the combined set of DVD’s, which contains 40 hours of instruction and demonstrations, costs only $72 at https://www.emofree.com/Store/store.aspx.

More than a decade of reports from thousands of EFT users has convinced Craig of the connection between people’s unresolved emotions and their physical issues. Now an increasing number of medical studies are making the same connections, but EFT claims to offer a simple solution to resolving the emotional component of disease.

Craig says, “We are not advocating that people adopt EFT instead of conventional medicine to treat serious diseases. But medical research is consistently showing that unresolved emotional traumas, anger, and resentment contribute to disease. EFT provides a drug-free way for people to permanently clear the unresolved emotions that are disrupting their energy systems, taxing their immune systems and causing disease.”

Belgian physician Dr. Tania de Winne uses EFT in her medical practice and sees consistent evidence of the mind-body connection with her patients. “While I have no proof that EFT prevents cancer,” she says, “I’m convinced that it does just that. Negative thoughts are a major cause of not just cancer but all illnesses, and since EFT quickly eliminates the energy blocks that contribute to negative thoughts and emotions, I believe cancer and most other diseases can ultimately be eradicated by using EFT on a daily basis.”

According to the National Institutes of Health, about 1500 people in the U.S. die of cancer each day and another 3400 are diagnosed with cancer daily. “In my view,” says Craig, “people are dying needlessly from unresolved emotions like anger, fear, guilt and resentment.”

Physician, Dr. Eric Robins adds, “Some day the medical profession will wake up and realize that unresolved emotional issues are the main cause of 85% of all illnesses. When they do, EFT will be one of their primary healing tools …. as it is for me.”

EFT is still a new procedure, but already over 350,000 — including thousands of health care practitioners have downloaded Craig’s free training manual and another 10,000 download it each month. EFT often works when nothing else will, even on serious diseases like cancer. Word of mouth is making EFT a top self-healing modality. The EFT website is the fifth most actively visited natural health site in the world.

The EFT Manual gives anyone all the basics so they can apply it right away. It can be freely downloaded here.

A White Paper issued today by AMD Alliance International (AMDAI) reports that the impact of vision loss due to age-related macular degeneration (AMD) on patients’ Quality of Life and psychological well-being is comparable to that of cancer or coronary heart disease. The White Paper also shows the diagnosis of AMD and the threat of blindness increases depression and the risk of suicide.

America’s leading vision, seniors and research organizations have joined forces, under the umbrella of AMD Alliance International, to call on health policy makers, healthcare professionals and the AMD community to take immediate action to combat the risks of depression, suicide and social isolation linked to age related macular degeneration, the leading cause of vision loss in the USA. According to AMD Alliance International, the dire consequences of AMD can be prevented by early detection, measures taken during diagnosis, and providing access to low vision rehabilitation and support services. More than 15 million American seniors live with some form of AMD, and this number is expected to reach potentially epidemic proportions as the population ages.

“AMD is no longer just about vision loss. It’s also about mental health and quality of life, which is why identifying and catching AMD at its earliest stages is critical. People, especially those over 50, must have regular eye examinations,” said Don Curran, Chairman, AMD Alliance International and AMD patient. “Further, health policy makers need to acknowledge that quality of life is an important patient outcome and recognize the urgent need to provide timely access to physicians, treatments, and support services to limit the damage caused by AMD. The pieces for optimal AMD care exist, but the puzzle must be put together. A good life with AMD is very possible, with the right supports at the right time.” According to Dr. Tara Cortes, RN, PhD President and CEO, Lighthouse International, “Early detection and treatment are essential, especially for those with wet macular degeneration. In addition, in many cases, low vision rehabilitation and counseling is the right support. We must accelerate our efforts to make low vision rehabilitation available to all those who need it.”

The White Paper, issued to kick off the 2006 AMD Awareness Week, September 18 to 24, 2006, also marks the start of a global outreach campaign to raise awareness of the little-known psychological effects of AMD. The campaign aims to demonstrate that basic supports to improve AMD patients’ quality of life – early access to medical expertise, early diagnosis and treatment, and referral to appropriate low vision programs, including counseling – are vital. As AMD is the leading cause of vision loss in the Western World in people 50 and older, and with cases rising as the baby boomer generation ages, more people are at risk of suffering from more than just vision loss.

People with vision loss are more than three times as likely to suffer from depression versus the general population. At its worst, depression can lead to suicide, a tragic fatality associated with the loss of about 850,000 lives worldwide every year, according to the World Health Organization (WHO).

Further studies included in the White Paper analysis show quality of life for an AMD patient to be an underestimated outcome at both the clinical and public levels. Other studies show that the inclusion of low-vision care services help to reduce the negative impact of the AMD diagnosis, empower patients and help them adjust to living with the disease.

In addition to an increased risk of depression, the White Paper notes how AMD adversely affects day to day life. People with AMD are eight times more likely to have difficulties shopping, 12 times more likely to have problems using a telephone and nine times more likely to experience difficulties doing simple house work. The condition also puts patients at higher risk of accidents such as hip fractures, and many with the disease are unable to drive. All of these factors together lead to depression and sense of isolation that many people with AMD needlessly experience.

“Education, awareness, and good clinical care are important in reducing the impact of AMD on the quality of life. At the same time, investments in research are leading to more effective therapies to limit the effects of the disease,” says Stephen Rose, Ph.D., Chief Research Officer, Foundation Fighting Blindness (FFB). “Our goal is to fund research that will put an end to all retinal degenerative diseases including AMD. FFB-funded researchers are making excellent progress in identifying the genetic and lifestyle factors that lead to AMD, and they are moving promising preventions, treatments, and cures into clinical trials and the marketplace.”

About AMD
AMD is a degenerative disease that affects the central part of the retina – the area responsible for central vision, which allows us to read, drive and recognize faces. As central vision breaks down, only peripheral vision remains. There are two types of AMD: wet and dry. Dry AMD is the most common form of the disease, accounting for about 80 per cent of all cases. Dry AMD occurs when light-sensitive cells in the macula slowly break down. Approximately 10 to 20 per cent of cases will progress to wet AMD. Wet AMD occurs when abnormal blood vessels are formed under and leak into the macula. Blood vessel growth in wet AMD progresses much more rapidly than the dry form and accounts for the majority of cases in which severe vision loss occur.

AMD causes more than 14 million cases of visual impairment worldwide each year. More than 15 million American seniors live with some form of AMD, and this number is expected to reach potentially epidemic proportions as the population ages. AMD is even more prevalent among people who smoke. Evidence shows that smoking doubles the risk of developing AMD, while some studies suggest the risk could be as high as three- to four-fold. The World Health Organization recognizes smoking as the only modifiable risk factor for AMD. For more detailed information about AMD, consult http://www.amdalliance.org.

About AMD Alliance International
The AMD Alliance International is a global non-profit coalition of vision, seniors’ and research organisations working to raise awareness of age-related macular degeneration (AMD), the leading cause of vision loss in older populations. The AMD Alliance International promote regular eye examinations and provide education about prevention, treatments, rehabilitation, and support services available for AMD. Comprising 55 organisations in 22 countries, the AMD Alliance International is the only international organisation focused exclusively on AMD.

The mission of the Alliance is “to bring knowledge, help and hope to individuals and families around the world affected by AMD through:
– Generating awareness and understanding of AMD;
– Promoting the importance of education, early detection, knowledge of
treatment and rehabilitation options; and
– Preserving vision and improving the quality of life of individuals
affected by AMD.”

The American members of AMD Alliance International who join forces in this awareness effort are (in alphabetical order) The Alliance for Aging Research, The Deicke Centre for Visual Rehabilitation, The Foundation Fighting Blindness, Lighthouse International, Macular Degeneration Partnership, Macular Degeneration Support, Prevent Blindness America, and The Seniors Coalition.

Connetics Corporation (Nasdaq:CNCT), a specialty pharmaceutical company that develops and commercializes dermatology products, today announces the use of its proprietary VersaFoam(R) technology in Pfizer Consumer Healthcare’s new Men’s Rogaine(R) Foam, now available wherever Rogaine is sold. In January 2006, Pfizer received FDA approval for Men’s Rogaine(R) Foam (minoxidil, 5%) developed under a license from Connetics’ VersaFoam technology.

“Rogaine is the most popular topical treatment for hair loss. A Rogaine formulation utilizing Connetics’ VersaFoam technology offers patients suffering from hair loss a convenient therapy that absorbs rapidly upon contact with the scalp leaving minimal residue,” said Thomas G. Wiggans, Chief Executive Officer of Connetics. “Connetics’ innovative skin delivery vehicles have created strong customer acceptance and leading brands in the prescription topical steroid and antibiotic markets. We believe the elegance of our VersaFoam delivery system also holds potential to increase patient compliance and to expand the current market for Rogaine.”

“We are very happy to be partnering with Connetics, a leader in foam technology, to provide this novel formulation for the hair loss patient,” says Dr. Bruce Kohut, Senior Director of Dermatology at Pfizer Consumer Healthcare. “We expect that patients will find the new Rogaine Foam easy to use and an enjoyable experience.”

About VersaFoam Technology
As a leader in novel topical delivery systems, Connetics owns worldwide rights to a number of unique topical delivery systems and has branded its proprietary foam drug delivery vehicle, VersaFoam. This unique, versatile topical drug delivery vehicle quickly absorbs into the skin when applied and has versatility for application on multiple body sites. The formulation is thermolabile, which melts at skin temperature and evaporates quickly. In addition, it is easy to apply, non-dripping, stain-free and leaves minimal to no residue. It is also preservative-free. The VersaFoam system has important cosmetic and functional benefits compared with conventional delivery vehicles including creams, ointments, gels and lotions. Connetics’ VersaFoam-based products are OLUX(R) for scalp dermatoses and non-scalp psoriasis, Luxiq(R) Foam for scalp dermatoses and Evoclin(R) Foam for the treatment of acne. These formulations have earned wide acceptance by physicians and patients due to their clinical effectiveness, high quality and cosmetic elegance. For more information on VersaFoam, please visit www.VersaFoam.com.

About Connetics
Connetics Corporation is a specialty pharmaceutical company focused on the development and commercialization of innovative therapeutics for the dermatology market. Connetics’ innovative approach to product development includes the exploration of new ways to optimize drug delivery at targeted treatment sites on the skin, and the assessment of novel formulation and delivery technologies. The Company’s marketed products are OLUX (clobetasol propionate) Foam, 0.05%; Luxiq (betamethasone valerate) Foam, 0.12%; Soriatane(R) (acitretin) capsules; and Evoclin (clindamycin) Foam, 1%. Connetics is developing Desilux(TM) (desonide) Foam, 0.05%, a low-potency topical steroid formulated to treat atopic dermatitis; Primolux(TM) (clobetasol propionate) Foam, 0.05%, a super high-potency topical steroid formulation to treat atopic dermatitis and plaque psoriasis; Extina(R) (ketoconazole) Foam, 2%, to treat seborrheic dermatitis; and Velac(R) (a combination of 1% clindamycin and 0.025% tretinoin) Gel, to treat acne. Connetics’ product formulations are designed to improve the management of dermatological diseases and provide significant product differentiation. For more information about Connetics and its products, please visit www.connetics.com.

While researchers have spent ten years developing a cure for Huntington’s Disease (HD) in mice, people suffering with the disease have gained symptom relief with a simple do-it-yourself acupressure technique. According to the theory behind Emotional Freedom Techniques (EFT), illness and disease are caused by unresolved emotional issues and a disrupted energy meridian system (Chi or Qi). When emotional issues are resolved using EFT, physical symptoms associated with serious diseases have been shown to clear, sometimes immediately and often permanently.

EFT is a do-it-yourself acupressure technique that anybody can use to provide relief from the physical and emotional symptoms associated with HD. It involves fingertip tapping on select acupressure points while focusing on the symptom in question. EFT claims an 80% success rate in calming symptoms associated with serious diseases.

It and can be learned freely by downloading the EFT Manual at http://www.emofree.com/downloadeftmanual.asp?ref=prwHDcw

Researchers from the University of British Columbia have found a way to block the enzyme believed to be instrumental in the development of the disease. For the next five years, researchers will focus on developing and testing a drug that will achieve the same results in humans.

In the meantime, EFT is giving HD patients drug-free relief from the symptoms associated with this degenerative brain disease. EFT theory takes a very different approach to addressing symptoms associated with such diseases.

According to Gary Craig, the Stanford-trained engineer who developed EFT, “When EFT Practitioners approach serious diseases such as Huntington’s, we look at the person’s symptoms and the emotions associated with their symptoms. When we address illness-related emotions like fear, frustration, and grief, we repeatedly find that the symptoms subside, even disappear.”

Children of HD patients have a 50% chance of inheriting Huntington’s. If they have inherited the disease, symptoms generally appear later in life. “I can’t help but wonder whether applying EFT could postpone or even suspend the development of symptoms,” says Craig.

Diane Kendrick is an EFT Practitioner in the United Kingdom whose client had Huntington’s disease. The client presented as having a phobia about walking down stairs, but her HD was evidenced in her slurred speech, jerky gait, twitching and labored breathing.

Because of her symptoms, the woman had difficulty tapping the EFT points, so had her husband do it for her. When she returned a week later, Diane was surprised, “I couldn’t believe the changes in her. Her visual symptoms were about 60% improved.” Her jerkiness and twitching had subsided and her communication had improved. Her speech was less slurred and more clear. During the week between appointments, the woman had done EFT tapping every day on her own. It had become increasingly easy to do as her coordination and enthusiasm had improved.

They did a little more EFT for the phobia of stairs and the woman pinpointed having fallen down stairs ten years previously. With five minutes of EFT, she went up and down stairs with no trace of fear or anxiety. The phobia was gone, but more importantly, she had a considerable improvement in several of the symptoms associated with her incurable physical condition.

Craig explains, “We see this repeatedly with EFT, where addressing a specific issue like a phobia has a generalized positive result for the person’s health. We are not claiming that EFT cures diseases, but EFT users all over the world have experienced remarkable results in the reduction of symptoms associated with cancer, diabetes, Parkinson’s disease, Crohn’s disease, lupus, Alzheimer’s disease, MS, arthritis and others. Fortunately, an increasing number of health professionals are incorporating EFT into their medical practices.”

There are no known side effects associated with EFT and it often gives symptom relief where nothing else works. “It is my goal,” says Craig, “to encourage the use of EFT to compliment any medical protocol employed to treat serious diseases. To this end, I make the EFT Manual available freely on the EFT website.”

Although most Americans have yet to hear of it, EFT may be the world’s fastest-growing self-help technique. Over 300,000 have downloaded Craig’s free training manual and another 10,000 download it each month. The official EFT Manual has been translated by volunteer practitioners into nine languages.

The EFT Manual explains the basics so that anyone can begin applying EFT right away. It can be freely downloaded at
http://www.emofree.com/downloadeftmanual.asp?ref=prwHDcw

For further information, contact Gary Craig at 707-785-2848.

Athens Medical Group and ADVANTAGE Health Solutions, Inc.(SM), a regional managed care health plan owned by the Sisters of St. Francis and Ascension Health, have signed a multi-year contract to provide health care in the Montgomery County region. This addition to ADVANTAGE’s local network of providers, which includes St. Clare Medical Center, was announced today by Brett Spencer, MD, CEO of Athens and Vicki Perry, president and CEO of ADVANTAGE.

This agreement will allow those enrolled in ADVANTAGE’s Point of Service and HMO plans to select a physician from the Athens Medical Group for their primary care physician. In addition, this new agreement allows ADVANTAGE to kick off its marketing campaign in Crawfordsville, Ind., to health insurance brokers and employers. Employers such as IVY Tech, Eli Lilly, St. Clare, DaimlerChrysler and Subaru already offer the ADVANTAGE plan to their employees. More than 200 employer groups in Indiana offer ADVANTAGE.

With the addition of Athens Medical Group, ADVANTAGE now has more than 5,010 health care providers participating in managed care commercial products. This includes nearly 1,229 primary care providers, over 3,755 specialists, and 26 acute care hospitals throughout Indiana.

Athens Medical Group and ADVANTAGE pursue high standards of medical care and work diligently to improve the health of the communities they serve. “Thanks to our relationship with Athens Medical Group, we can bring our principles of outstanding service, individualized attention, and quality focus to Montgomery County,” said Perry. “Our goal is to enhance the health and well-being of our members, and we look forward to achieving that goal with our new network of providers.”

ADVANTAGE’s growing network in the Crawfordsville, Lafayette and Indianapolis areas serve employers large and small with a variety of benefit plan options, including preventive care, medical services, prescription drugs, vision and dental benefits. ADVANTAGE also offers health savings accounts, which allow employees more flexibility in their health care spending.

ADVANTAGE plans encourage members to practice prevention and healthy lifestyle habits. More than 25 percent of Indiana residents are overweight or obese. Reactionary health care is no longer enough to maintain public health. ADVANTAGE works with providers like Athens Medical Group to increase the number of members using preventative health care and to decrease the need for reactionary health care.

About ADVANTAGE Health Solutions, Inc.(SM)
ADVANTAGE is a managed care organization offering HMO, POS, and self funded benefit plans, as well as a high deductible plan with an HSA option and a Medicare Advantage product. Founded by four Catholic health care systems — Ascension Health, Sisters of St. Francis Health Services, Inc., Saint Joseph Regional Medical Center, Inc., and Ancilla Health Systems, Inc., ADVANTAGE began its operations in 2000 as a spin-off from Sagamore Health Network. Since inception, ADVANTAGE has achieved significant milestones, such as its NCQA Excellent Accreditation status, and is one of the fastest growing managed care organizations in Indiana, serving more than 65,000 members. For more information on ADVANTAGE or their ADVANTAGE Preferred Plus plans go to www.advantageplan.com.

CIGNA HealthCare* today announced an agreement with AMA Insurance Agency, Inc. (AMAIAI) to market the CIGNATURE Rx(SM) Medicare prescription drug plans to Medicare-eligible physicians and their spouses. “We are delighted AMAIAI has chosen to offer CIGNA’s Medicare prescription drug plans,” said Terri Swanson, vice president of CIGNA Senior Care. “This decision represents a strong new relationship based on a high level of trust in our Part D program.”

AMA Insurance Agency, Inc., a wholly owned subsidiary of the American Medical Association, markets and/or administers insurance plans and related products to meet the needs of physicians and their families. AMAIAI chose the simple, affordable CIGNATURE Rx drug coverage because of several leading features:

comprehensive coverage and choice of plans, which align well with the prescription drug needs of physicians and their spouses; broad availability in all regions of the country and in more than 53,000 pharmacies nationwide; and high quality customer service, ensuring all calls are answered by experienced service representatives. For more details about CIGNATURE Rx for Medicare-eligible physicians, contact CIGNA at 1.800.374.3406.

About CIGNA
CIGNA is offering its Medicare Part D plans in all 50 states and the District of Columbia in alliance with NationsHealth, Inc. (NASDAQ:NHRX)(NASDAQ:NHRXU)(NASDAQ:NHRXW). The alliance combines CIGNA’s pharmacy product capabilities with NationsHealth’s experience in service and distribution to the Medicare population.

*CIGNA HealthCare, headquartered in Bloomfield, CT, provides pharmacy benefits and products and services that integrate and analyze information to support consumerism and health advocacy. “CIGNA” and “CIGNA HealthCare” refer to various operating subsidiaries of CIGNA Corporation (NYSE:CI) including Connecticut General Life Insurance Company. Products and services are provided by these operating subsidiaries and not by CIGNA Corporation.

About AMAIAI
Established in 1988 as a wholly owned subsidiary of the American Medical Association, AMA Insurance Agency, Inc. markets and/or administers a variety of insurance plans and related products to meet the needs of physicians, resident physicians, medical students, and their families. Select products are available for physicians’ group practices.

AHC Healthcare Receivables Management, an industry leader in providing third-party reimbursement solutions and complimentary education offerings, announced today the completion of the company’s acquisition of Comprehensive Healthcare Solutions (CHS), a division of CB Accounts, Inc. CHS, with offices in Peoria and Jacksonville, Illinois and Baltimore, Maryland is a national healthcare accounts receivable management firm offering early-out self-pay programs, self-pay after insurance services, and Out-of-State Medicaid billing and follow-up.

This acquisition enables AHC to offer comprehensive “patient centric” reimbursement programs to healthcare providers. “Patient centric” reimbursement programs enable AHC, on behalf of its hospital clients, to address both third-party payer and patient follow-up requirements, including eligibility and enrollment services, ensuring maximum reimbursement for healthcare providers while offering a single, blended pricing structure. This integrated service approach will simplify invoices for healthcare providers, remove the challenges associated with managing multiple vendors, and improve patient satisfaction by reducing the number of parties a patient needs to interact with during the payment/recovery process. Most importantly, the hospital can be assured it is recovering the appropriate monies from the appropriate responsible party(ies).

“This acquisition provides us greater expertise in the patient recovery process, which, combined with our historic expertise and reputation recovering monies from insurance companies, gives us unlimited potential to meet the future needs of healthcare providers, ” states AHC President, David Langsam. “Expanding our product lines will allow us to deliver a more comprehensive service offering to our clients and the healthcare marketplace in general.”

For more information about AHC’s “Patient Centric” Reimbursement Programs or to schedule a complimentary, state specific, in-service workshop on “Insurance Reimbursement Law”, contact AHC toll free at (888) 511-7901.

About AHC:
AHC Healthcare Receivables Management (www.ahcinc.com) specializes in accounts receivable management solutions for the healthcare industry. Employing over 500 healthcare professionals, approximately 100 of which are attorneys, AHC utilizes federal and state regulations, established case law, and client specific protocols to provide guaranteed accounts receivable management solutions to our 750 clients nationwide. AHC operates out of eight locations, with headquarters located in Manassas, Virginia.

There are more and more forms of health insurance are showing in our society, since competition of health insurance is increase. Now I am list and briefly describe 10 of the most popular types of health inusrance plans in the United State below:

INDIVIDUAL INSURANCE: Ensuring a person individually is a common mode of insurance. This is a process through which one may be selective about what s/he wants in a plan. Accordingly, one’s required premium is calculated, and the insurance plan takes effect.

GROUP INSURANCE: Through this type of insurance, one is compelled to abide by what others are going for, and this is also dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis a group insurance can take place.
PPO:This is the Preferred Provider Organization. If a person has membership of this organization, they can be treated by doctors within the setup. This is because of the arrangement they have; it is such that when a member gets ill, they are treated by their own panel. Otherwise, one has to pay for treatment outside the network.

HMO: The Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members’ problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.

MSA: This is a Medical Savings Account that is also tax-advantaged. It is used for health insurance policy that has high premiums to be paid. Members have to save money in this account in order to pay for their medical bills, which include checkups, treatments, etc. The fact that tax does not apply to it, makes it a good strategy towards coping with high premiums in health insurance.

POS: This is a Point-of-Service Plan, which implements properties of the HMO and PPO plans. Through this arrangement, a member of this plan can either go to any doctor in the network or go to one outside the network. However, generally this is the concept that allows flexibility.
INDEMNITY PLAN:This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.

THE PROVIDER: This insurance is like the services provided through the Medicare program.

PCP: This is Primary Care Physician, and it refers to the first provider that a member is associated with. This provider is responsible for making sure that all basic checks are made, and if there are further areas to check up on, the member has to be referred to a specialist.
GENERAL COVERAGE WITH HEALTH & LIFE PROTECTION:This form of insurance includes life coverage as well as health coverage.