This past November the United States House of Representatives passed a health care bill which will affect Americans and the way they take care of their health. This new bill is of great concern to Daniel Touizer, CEO of Cinergy Health who expressed his opinion about this new legislation in the following way:

“While the house healthcare bill is far from perfect, it is at least a step towards expanding access to affordable health coverage for all Americans. Unfortunately, the House healthcare bill is radically off the mark from what meaningful health reform needs to address. While it contains elements of an effective healthcare reform bill such as emphasis on prevention and healthcare affordability, it fails to tackle the roots of rising healthcare costs.”

Continuing his assessment of this new development in healthcare legislation, Daniel Touizer expressed hope that this is just the beginning of a process to improve the general health of the U.S. population through healthier living and more intelligent health choices.

Daniel Touizer hopes to also see a larger emphasis, not only on healthier lifestyles at home and at work, but also more freedom which allows people to purchase health insurance beyond their state lines, lowering prices of prescription drugs and reducing the costs of hospital-based care.

As an entrepreneur and small business leader, Daniel Touizer, CEO of Cinergy Health, is in touch with the needs and concerns of other small business owners throughout the United States, and knows what to do to take advantage of the coming challenges brought on by the present economic downturn many businesses are reeling from.

One of the biggest expenses of a business can be salaries. A re-evaluation of personnel needed to run the business could help you realize substantial savings. If you need to hire someone new, perhaps you can hire a talented, qualified person for less money due to the fact that he may be unemployed or underemployed and quite anxious to work, even for smaller wages. Especially if you run a company with a reputation for being a great place to work, you might be able to pay less if you treat your employees better. Also, as economic times improve you may be able to increase salaries as business improves.

Small businesses as well as larger ones should realize they have a stake in the health and well-being of their employees. By serving healthier lunches and supplying access to health clubs or gyms, the company as well as the individuals benefit. The good health of workers means more productivity, and lower insurance costs. This is a truly win-win situation.

Tailor the healthcare options you offer to each employee’s individual needs. Making one type of health care plan option available, you may be spending more than needed by supplying coverage that some of your employees don’t really need. Making a healthcare plan perfectly suited to each individual can be a great source of money savings.

With the year 2010 approaching, Daniel Touizer, CEO of Cinergy Health is advising owners of small businesses on how to save money in the coming year by taking advantage of the current recession. He also has tips on overcoming the challenges caused by the changes in health care, and generally succeeding financially.

During times of recession there is often an increase in vacancy rates for office space, driving the cost of rentals down. Daniel Touzier suggests taking advantage of the 10 percent or more vacancy rate which cities tend to experience during hard times, and relocate the site of the office for a cheaper location, saving lots of overhead costs. If moving is too difficult, renegotiate the rental agreement with the landlord.

Another effect of the recession is the lowering price of raw materials. Businesses should also take advantage of this phenomenon and be sure to bring in supplies at a significantly smaller cost. During harder economic conditions prices come down on all kinds of supplies, from office furniture to other supplies.

In a recent discussion on the risks of getting cancer from either using cell phones or wearing bras with metal underwires, Dr. Margaret Lewin, medical director of Cinergy Health, and Daniel Touizer CEO stated: “Definitively, they (bras) do not contribute to breast cancer.”

According to the American Cancer Society, “There are no scientifically valid studies that show wearing bras of any type causes breast cancer.”

The rumor began as a result of a recent book, “Dressed to Kill,” claimed that there may be some risk of the development of breast cancer caused by the wearing of underwire bras. The scientific study which was cited in the book claiming such is not regarded in a serious manner by the scientific community.

As far as cell phones are concerned, the research does not prove one way or the other that cell phones are responsible for any type of cancer. In that case it may be wise to take precautions when using cell phones. Included in the advice for lowering the risk of cancer from cell phones, if there is any risk, are:

•    Use hands-free technologies to keep the phone and its antenna away from the head.
•    Limit the amount of time speaking on the cell phone.

Cinergy Health is an alternative health care coverage provider. Its CEO, Daniel Touizer believes it is crucial that people know the options they have for coverage when they suddenly find themselves unemployed.

It is important to be aware of the time constraints involved in maintaining health coverage upon termination of employment, whether voluntarily or otherwise.

There is only a 60 day time frame to implement COBRA coverage, the plan which you are entitled to if you worked for a company of more than 20 employees which allows you to remain part of the group coverage plan but whose premiums you will be up to 102% responsible for.

Don’t wait to begin looking for individual insurance coverage. The choices and various types of coverage available can be complicated, and you should avoid having to make any last minute, rash, or uninformed decisions.

If you are being dropped from your health insurance plan, there are only 63 days to get into a new plan without a waiting period due to any pre-existing conditions.

Carefully consider all the health plan options. Think about what your health care needs are, and try and match your coverage to these needs. One option is to pay less for the premiums but have a very high deductible, such as $5,000. In this way you will have coverage for the most expensive, catastrophic care, but will have to pay out-of-pocket for the routine care such as doctor’s visits or other predictable services. Another option is to get coverage for a limited time, such as 6 or 12 months. These term plans are much more affordable than major medical plans.

If you are laid off from your job, one of the foremost concerns will be health coverage, especially if your former employer used to provide this benefit to you. Since health insurance can be expensive, and health care even more so, it is important to know well and understand the options that are open to you.

If your employer had at least 20 employees, then it was required by law for them to offer health insurance coverage through COBRA. COBRA stands for Consolidated Omnibus Budget Reconciliation Act. This legislation allows former employees to maintain their health coverage through their previous group health plan for up to 18 months in most cases, if they are terminated or voluntarily leave their job, reduction in work hours, transition between jobs, divorce, death and other critical life events.

The beneficiary of the plan is responsible to pay for the full health insurance premium, however, up to 102% of what the insurance premium costs to the plan. Sometimes the company will pay for this coverage as part of a severance package that you may receive upon dismissal or voluntary termination of employment.

Daniel Touizer, CEO of Cinergy Health, an alternative health coverage option at affordable rates, hopes to keep you as informed as possible about your options for health care coverage.

Daniel Touizer brings over 18 years of venture capital and direct marketing experience to Cinergy Health. He has led two start-up companies within the travel industry and computer industry. Both ventures were built through very successful direct marketing strategies. His computer company grew to $17 million in sales in its first year of operation. Over the years, he has also been involved in funding several other companies through his networks of angel investors. His expertise in this area enables Cinergy Health to accelerate its leadership position in the dynamic health and life insurance industry. In his role as CEO, Daniel Touizer focuses on building an innovative health benefits company, serving niche markets and providing the highest levels of customer service and patient advocacy, differentiating Cinergy Health in the healthcare services marketplace. His vision helps guide the company’s direct marketing strategies.

Cinergy Health, a nationwide provider of guaranteed issue health insurance benefit programs for the consumer market, expressed its concern for the House Health Care bill that passed Saturday, November 7th.

“While the House Health Care bill is far from perfect, it is at least a step towards expanding access to affordable health coverage for all Americans,” said Daniel Touizer, CEO of Cinergy Health. “Unfortunately, the House Health Care bill is radically off the mark from what meaningful health reform needs to address. While it contains elements of an effective health care reform bill such as emphasis on prevention and health care affordability, it fails to tackle the roots of rising health care costs,” Touizer said.

“We hope to see more compromises throughout the legislative process as the final bill is crafted to support promoting healthier lifestyles at home and in the workplace, allowing Americans to buy insurance across state lines and reducing the costs for pharmaceuticals and hospital-based care,” Touizer said.

Cinergy Health offers unique, affordable alternatives to exorbitant insurance premiums for individuals and families, regardless of income or health condition. Plans are designed to encourage people to seek care when needed, not to delay or deter them such that their condition could worsen

http://www.news-medical.net/news/20091109/House-healthcare-bill-is-radically-off-the-mark-Cinergy-Health.aspx