Before you think hiring health care informatics consultant for any purpose, you must understand why medical informatics consultant or health domain experts are to be included while dealing with any computer application that is related to medical field. Healthcare informatics is the science that combines the computer technology and medical field. Consultant in medical informatics is expected to have knowledge of both the domains i.e. computer language and medical standards and its flow. Medical informatics experts are good at EHR, PHR, HL7, DICOM, SNOMED, LOINC etc. medical standards as well as computer languages such as Core Java, HTML, and XML etc.
Unlike other software applications, the one that is made for healthcare or medical use is not allowed to malfunction. This is because for other computers, the bug in software might crush the system and at the most, one may lose data but think about the scene where software is installed checking the oxygen saturation in the blood and alarming when it goes down contains some bug and it does not notify when the oxygen level falls in patient’s blood due to which, the patient does not receive proper amount of life-gas and dies on the spot. Said this, computer application that was installed to save the life ultimately costs patient’s life.
To overcome issues related to medical process in computer applications, you require domain experts from health industries, preferably doctors with good experience in hospitals, clinics or health care centers. Medical informatics functional consultant is the one with adequate knowledge of computer applications and also he is experienced in his own field and knows alpha and omega of patients health. Such experts can be hired by IT companies when they have medical projects or these guys are absorbed by corporate hospitals for medical software maintenance and training medical staff about computer applications.
Health Care benefits are benefits provided by the employer as a part of your salary to cover health care expenses if any. This is largely prevalent in the United States where there is no national health care that they can depend on for help as is the case in several other countries. Hence employers use this to lure employees to their company. If you are joining a company make sure you find out what are the health care benefits they offer and do a complete analysis about it before deciding. The various types of insurance available are:
Managed Cover Care: Here the insurer is in contract with certain health care providers and suggests that the individuals visit those hospitals or doctors for their services. It also gives them financial or other incentives to use the recommended providers.
Indemnity: In this type of insurance you visit the provider of your choice, pay upfront and claim for a reimbursement later. You will need to fill out a form and submit all the medical receipts, bills that you are claiming for. The amount of reimbursement will depend on the amount you along with your employer pay as premium. Indemnity is not very common.
Preferred Provider Organizations (PPO): In the preferred provider organization you pay a fixed charge every month towards the premium of the insurance. Then you get to choose from their network of doctors and hospitals for your medical needs. You need not specify a primary caregiver and so referrals for specialists are eliminated. You can choose a provider that does not fall under the network but might have to pay higher insurance premium or co payment.
Health Maintenance Organization (HMO): This is similar to the PPO in terms of the network and monthly payments. However you will have to specify a primary caregiver who will then put you onto specialists if required. Your choice of health care providers is restricted to the network of providers and if you require other providers it will not be covered. Exceptions might be made in case of emergencies.
Point of Service Plans: This plan attempts to strike a balance between the HMO and PPO plan in combining the choices available in the PPO with the low cost involved in the HMO. You choose a primary caregiver within the network who refers you to specialists within or outside the network. If within the network all the payments and paperwork are taken care of. If the specialist is outside the network then payment is done partly and you will have to submit bills for reimbursements and keep a track of all your expenses.
In these times of rising expenses and inflation, it is necessary that we have some affordable health care insurance policy that takes care of the medical expenses of our family should an emergency arise. Nothing can be predicted in life. There could be diseases or illnesses that could strike us or any family members or any of us could meet with a serious accident. In such a time, if we have a proper insurance policy, then it would be easy to provide proper medication to the concerned person. Without an affordable insurance policy, it can be difficult to pay for the huge medical expenses and hospital bills that arise due to an illness or accident.
To understand about the affordable health care insurance policies that can help you and your family in times of crisis, we have listed a few options. The first one is Fee For Service Plan. In this, you have to pay for the medical bills and treatment and you can later get the amount reimbursed from the insurance company. Then, there is the Health Savings Plan. If you opt for the normal plan, it covers all your medical expenses related to routine medical check-ups. If you opt for the higher deductible plan, you can get insurance for serious accidents and critical illnesses. This is to provide you insurance against the risk of losing a near and dear family member to a serious illness or in case of an accident.
In case you have registered for the Health Maintenance Organization insurance plan, then you need to make a co-payment and take treatment from a listed set of doctors in the plan. After you make the co-payment, the insurance company will take care of the rest of the treatment. However, if you wish to get treated from the doctors of your choice, then you can opt for Preferred Provider Organization wherein a certain percent of the bill (it is called coinsurance) has to be paid by you while the rest is taken care of by the insurance company. For those who are healthy and do not need regular medical check-ups, this system is beneficial as you get the choice to be treated by doctors of your preference.
These are some of the affordable health care insurance options that are available to provide medical coverage for you and your family members. It is very necessary that we have some plan for our family so that in case someone in the family suffers from a sudden ailment or an accident and high medical expenses have to be incurred, we do not have to look around for money but be able to easily provide the required treatment and get the money from the insurance company.