Insurance // Current

Pharmaceutical lobbyist ads to target Obama idea

The nation's largest pharmaceutical lobbying group is preparing a multimillion-dollar public relations campaign to tout the... more

ESKCSG
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Cover in the face of unemployment

Unemployment just hit a decade-high ( http://tiny.cc/sRc7H ) and in times like these you might want to protect yourself against... more

saverio
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Mutual Fund Knowledge for your 401k : eRollover | 401k | Retirement | Insurance | Investing

Let's face it. You are probably getting hammered in your 401k, 403b, 457 Plan, or IRA accounts, during this severe economic... more

mikerowan
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Different Kinds of Permanent Life Insurance : eRollover | 401k | Retirement | Insurance | Investing

Permanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. Unlike term... more

mikerowan
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Obama proposals include 401k, 403b, 457, and IRA changes

We have gotten fervent feedback to our recent articles about the changes to your 401k, 403b, 457, and IRA accounts that may change... more

mikerowan
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10 Questions for your Financial or Retirement Planner

Investors spend decades saving for retirement in their 401k, IRA, or Investment accounts. As a result, it isn’t surprising... more

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Obama-Elect, The end of 401k, IRA, and Retirement Accounts as we know them?

Well, the election of 2008 has come and gone. Barack Obama is the president-elect of our great nation. Now, the main question... more

mikerowan
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Is an Immediate Annuity Right for You?

An income stream that you'll never outlive sounds pretty attractive. We'll see if they're right for you. ... more

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How much life insurance do I need?

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life... more

mikerowan
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401k Plans, 401k Rollovers, & Self-Directed IRA’s

federal taxes, investors, IRA Rollover, jobs, major setback, money, option 1, retirement plan, Rollover IRA, sizeable investment,... more

mikerowan
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Things to consider before you move your 401k into an IRA

Typically when you leave a job, you should roll over your 401(k) to an IRA. Rollovers allow you to continue delaying taxes on your... more

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Danielle Knopf, Deep Focus, The Social Web, Marketing, and PIMA MarkeTTech

Today’s podcast with Danielle Knopf, Vice President, Social Media Consulting Services at Deep Focus might whet your appetite... more

Insuratech
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Introducing the eRollover.com Education Center

eRollover.com, the web's leading portal for 401k, IRA, Retirement, and Personal Finance, has added a new feature on our site... more

mikerowan
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Uninsured Not Main Reason for ER Crowding

"Contrary to what many believe, people without medical insurance are not the primary cause of the overcrowding that is typical in emergency rooms at US hospitals, new research indicates.

"There is a commonly held belief that uninsured patients abuse the emergency department, coming in for 'non-urgent' complaints, are overwhelming the system. This is simply not true," lead author Dr. Manya F. Newton told Reuters Health.

On the other hand, the assumption that increasing numbers of uninsured patients are being seen in ERs is, in fact, true, according to the report in the latest Journal of the American Medical Association.

Crowding in the ER is due to many things, including an increased amount of ER use by everyone, fewer emergency departments, and fewer inpatient beds, Newton explained. "People without insurance tend to use the emergency department less than any other group, and when they present they tend to be sicker."

Newton, a researcher with the University of Michigan, Ann Arbor, pointed out that this study is the first "to critically examine unsupported statements" about uninsured patients in the emergency department that appear in medical articles.

Newton's team identified 127 studies that looked at the medical and surgical care of uninsured adult patients in emergency settings. Assumptions identified in these studies were then tested against validated data.

Overall, 53 studies had one or more assumptions about uninsured ER patients, according to the report.

The assumptions that increasing numbers of uninsured patients are going to emergency departments and that uninsured patients lack access to primary care were both found to be accurate. Likewise, the belief that treatment in the emergency department is more expensive than office-based care for both uninsured and insured patients was also true.

Unsupported assumptions include the beliefs that uninsured patients are the main cause of emergency department overcrowding, that uninsured patients have less acute conditions than insured patients, and that uninsured patients use the ER mostly for convenience.""Contrary to what many believe, people without medical insurance are not the primary cause of the overcrowding that is... more