Category Archives: Seniors

What the Health Care Bill Does for Average Americans

Posted by: Bluedog89

President Barack Obama addresses doctors at the White House.

HP~After months of fierce debate around the country and after an intense day of voting on Capitol Hill, a health care reform bill is on its way to President Obama’s desk.

Once Obama signs the bill into law, as he is expected to do on Tuesday, it will mean an end to the current health care system as we know it.

Pundits on the right and left have been reacting to passage of the legislation, but what does the bill actually mean for the average American?

The immediate effects of the health care bill as well as some that will take effect in the first year of implementation are as follows:

1. Health Insurers cannot deny children health insurance because of pre-existing conditions. A ban on the discrimination in adults will take effect in 2014.

2. Businesses with fewer than 50 employees will get tax credits covering up to 50% of employee premiums.

3. Seniors will get a rebate to fill the so-called “donut hole” in Medicare drug coverage, which severely limits prescription medication coverage expenditures over $2,700. As of next year, 50% of the donut hole will be filled.

4. The cut-off age for young adults to continue to be covered by their parents’ health insurance rises to the age 27.

5. Lifetime caps on the amount of insurance an individual can have will be banned. Annual caps will be limited, and banned in 2014.

6. A temporary high-risk pool will be set up to cover adults with pre-existing conditions. Health care exchanges will eliminate the program in 2014.

7. New plans must cover checkups and other preventative care without co-pays. All plans will be affected by 2018.

8. Insurance companies can no longer cut someone when he or she gets sick.

9. Insurers must now reveal how much money is spent on overhead.

10. Any new plan must now implement an appeals process for coverage determinations and claims.

11. This tax will impose a 10% tax on indoor tanning services. This tax, which replaced the proposed tax on cosmetic surgery, would be effective for services on or after July 1, 2010.

12. New screening procedures will be implemented to help eliminate health insurance fraud and waste.

13. Medicare payment protections will be extended to small rural hospitals and other health care facilities that have a small number of Medicare patients.

14. Non-profit Blue Cross organizations will be required to maintain a medical loss ratio — money spent on procedures over money incoming — of 85% or higher to take advantage of IRS tax benefits.

15. Chain restaurants will be required to provide a “nutrient content disclosure statement” alongside their items. Expect to see calories listed both on in-store and drive-through menus of fast-food restaurants sometime soon.

16. The bill establishes a temporary program for companies that provide early retiree health benefits for those ages 55‐64 in order to help reduce the often-expensive cost of that coverage.

17. The Secretary of Health and Human Services will set up a new Web site to make it easy for Americans in any state to seek out affordable health insurance options The site will also include helpful information for small businesses.

18. A two‐year temporary credit (up to a maximum of $1 billion) is in the bill to encourage investment in new therapies for the prevention and treatment of diseases.

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Filed under (Speaker of the House) Nancy Pelosi, Aging, Barack Obama, Childhood Obesity, Children, Congress, Government, Health, Health Care Reform, History, Medicine, News, Politics, Pres. Barack Obama, Senate, Seniors, United States, US, Women's Issues, Young Men, Young Women

Welcome to 44’D’s Happy Holiday’s Special

We here at The 44 Diaries would like to say Thank You for participating in our blog and we hope that you all have a happy holiday and a prosperous new year. We also hope that you get to spend plenty of time with the people you love the most…

Please note: We will be keeping this up all week in celebration, but will be posting political news in the top section next to ‘Home’.



History of Christmas




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Origins and Traditions of Hanukkah

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Celebrating Kwanzaa



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Santa Claus Through History



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Famous and Not-So Famous Christmas Movies List

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The History of Christmas at the White House 1789-2009

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Twenty-Five Days of Christmas Music Videos

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Christmas Around the World



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Fun Filled Christmas Facts



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Christmas in the Age of Dickens

Christmas in the Age of Dickens



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Amazing Christmas Truce of 1914



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Holiday Season at the White House with the Obama’s 2009




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Web Surf to Save Your Aging Brain

Posted by Audiegrl

Seniors_computersHealthDay/Amanda Gardner—Surfing the Internet just might be a way to preserve your mental skills as you age.

Researchers found that older adults who started browsing the Web experienced improved brain function after only a few days.

You can teach an old brain new technology tricks,” said Dr. Gary Small, a psychiatry professor at the Semel Institute for Neuroscience and Human Behavior at the University of California, Los Angeles, and the author of iBrain. With people who had little Internet experience, “we found that after just a week of practice, there was a much greater extent of activity particularly in the areas of the brain that make decisions, the thinking brain — which makes sense because, when you’re searching online, you’re making a lot of decisions,” he said. “It’s interactive.”

Seniors_computersbSmall is co-author of the research, which was scheduled to be presented Monday in Chicago at the Society for Neuroscience annual meeting.

This makes intuitive sense, that getting on the Internet and exploring and getting new information and learning would help,” said Paul Sanberg, director of the University of South Florida Center of Excellence for Aging and Brain Repair in Tampa. “It supports the value of exploring the Internet for the elderly.”

Most experts now advocate a “use-it-or-lose-it” approach to mental functioning.

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Filed under Aging, Computers, Health, Seniors, Uncategorized, Women's Issues