April 26, 2011

To Get Americans Healthier, U.S. Targets the Heart

Filed under: health insurance — cleavelandinsurance @ 1:03 pm

To Get Americans Healthier, U.S. Targets the Heart

HealthDay
April 25, 2011

People urged to eat better, exercise more before risk factors develop

U.S. health officials and the American Heart Association have put forth an ambitious set of goals for reducing deaths from heart attack, stroke and coronary heart disease.

The goals go further than just setting targets for limiting death and illness, however. They place even greater emphasis on prevention, calling for behavioral change that could benefit overall public health, if successful.

“The goal is to shift the population to a healthier lifestyle,” said Dr. Ralph L. Sacco, president of the American Heart Association and chairman of neurology at the University of Miami Miller School of Medicine. “It’s a much more prevention-oriented goal than we have had in the past.”

The goals are part of the Healthy People 2020 goals, issued by the U.S. Department of Health and Human Services and aimed at improving the nation’s health in the next decade. But with heart attack and stroke ranking first and third, respectively, on the list of leading causes of death in the United States, heart-oriented objectives form a substantial part of the initiative.

The program’s heart-health goals start with typical targets, calling for a 20 percent reduction in deaths from coronary heart disease and stroke. But then Healthy People 2020 goes further, setting goals for specific prevention activities, including:

  • Increasing the number of people who have had their blood pressure and cholesterol tested recently. 

    ·         Increasing the number of people who have taken preventive measures to reduce high blood pressure or high cholesterol.

    ·         Raising awareness of the early warning signs and symptoms of heart attack and stroke.

    The American Heart Association takes this approach even further with what the organization calls its 2020 Impact Goal: to improve the cardiovascular health of all Americans by 20 percent while reducing deaths from cardiovascular diseases and stroke by 20 percent.

    The association has identified a set of health measures it refers to as “Life’s Simple 7,” which, if followed, will lead to good cardiovascular health. The measures are:

    ·         Get active. For most people this means at least 150 minutes of moderate intensity exercise or 75 minutes of vigorous intensity exercise each week.

    ·         Control cholesterol. Aim for a total cholesterol level of less than 200 milligrams per deciliter (mg/dL).

    ·         Eat better. Increase consumption of vegetables and fruits, whole grains and fish and cut back on fats and sodium.

    ·         Manage blood pressure. Keep the reading below 120/80.

    ·         Lose weight. Keep your body mass index (BMI) below 25. BMI is an indicator of body fatness calculated from a person’s weight and height.

    ·         Reduce blood sugar. Fasting blood glucose should be less than 100 mg/dL.

    ·         Don’t smoke.

    “The focus expands pretty broadly the concept of prevention, in that not only should we focus on prevention after someone has developed high-risk factors, we should also try to prevent someone developing those risk factors in the first place,” said Dr. Donald Lloyd-Jones, chairman of preventive medicine at Northwestern University’s Feinberg School of Medicine.

    Lloyd-Jones calls such an approach “primordial prevention” because it focuses on improving and maintaining the health of people who are already healthy.

    “Once you’ve developed risk factors, treatment can never restore you to the baseline risk factor of someone who has never had them,” he said. “Your chances of living a healthier, longer life with better quality of life are substantially better.”

    The cornerstone of “Life’s Simple 7″ are the goals related to diet, exercise and smoking, Sacco and Lloyd-Jones said, because improving those three factors will prompt better overall health.

    “When you start with behavior like diet and physical activity, it improves everything else,” Sacco said. “They’re all kind of interlinked.”

    To pursue these goals, health officials will have to change their own behavior as well, Sacco and Lloyd-Jones said.

    Sacco predicts that health behavior scientists who study how people view and pursue a healthy lifestyle will have a greater role to play over the next decade. Motivational counselors and fitness counselors also will be needed to help keep people focused and inspired.

    “People who are in advertising work very effectively to advertise products and change behavior,” he said. “We have to do just as well to market healthy behaviors. We also have to constantly assess what programs or procedures or activities are effective in changing the behavior. It’s one thing to understand the cause and it’s another thing to intervene, and we really want to focus on intervention.”

    The goals also will require some changes in public policy. Examples include designing communities to promote walking, increasing access to fresh fruits and vegetables nationally, and working with manufacturers to reduce levels of sodium in food, Lloyd-Jones said.

    Public policy can be key in promoting overall public health, he said, noting the increasing number of indoor smoking bans across the country.

    “The data are unequivocal,” Lloyd-Jones said. “Hospitalization rates for heart attacks drop dramatically within months of the institution of an indoor smoking ban.”

    Sacco and Lloyd-Jones admit that the goals set by the government and the American Heart Association are ambitious, but well worth striving toward.

    “I think they are what I would call ’stretch’ goals,” Lloyd-Jones said. “But the truth is, if we are even mostly successful in the next decade, then the benefits we will see will be enormous. We must start now.”

April 22, 2011

Shorter Hospital Stays, More Readmissions After Hip Replacements

Filed under: health insurance — cleavelandinsurance @ 12:33 pm

Shorter Hospital Stays, More Readmissions After Hip Replacements

HealthDay
April 20, 2011

Many patients also discharged to skilled nursing facilities, long-term analysis of Medicare data shows

People who have hip replacement surgery now spend far shorter recovery time in hospital than they did almost two decades ago, but discharges to nursing facilities and readmissions to hospitals have soared as a result, Iowa researchers report.

Using Medicare data on more than 1 million hip surgeries done between 1991 and 2008, the researchers found that hospital stays are now averaging under four days, compared to more than nine days in the 20th century. However, the number of hip-surgery patients discharged to a skilled nursing facility nearly doubled during that time frame, from 17.8 percent to 34.3 percent; hospital readmission rates went from 5.9 percent to 8.5 percent; and the percentage of those discharged home decreased dramatically, from 68 percent to 48.2 percent.

“Both primary and revision hip arthroplasty are safe and mortality is low, but hospital stays are [now] extremely short. And, as patients’ length of stays go down, there’s less time to recuperate, and even if they’re not yet ready to go home, they have to go somewhere else quickly, and more are being admitted to rehabilitation centers,” explained the study’s lead author, Dr. Peter Cram, an associate professor in the division of general internal medicine at the University of Iowa Carver College of Medicine in Iowa City.

“This is part of what’s so complicated in the political discussions on healthcare,” he added. “You’re really just squeezing a balloon here. If we reduce the length of stay in the hospital, we can save money, or at least it seems like a way to save money. But, when we squeeze the balloon on one end to reduce length of stay, other costs pop up on the other side of the balloon.”

Pointing to the increased hospital readmissions and discharges to nursing homes, he said, “This is why it’s so hard to reduce or contain healthcare costs.”

Results of the study are published in the April 20 issue of the Journal of the American Medical Association.

Each year, about 280,000 Americans undergo hip replacement surgery, at a cost of more than $12 billion, according to background information in the study.

In the current study, Cram and his colleagues reviewed Medicare Part A data on over 1,450,000 total hip arthroplasty procedures (hip replacement surgery) and almost 349,000 revision hip arthroplasties (artificial hip repair surgery) done between 1991 and 2008.

The average age of people undergoing hip replacement rose slightly from 74.1 to 75.1 over the study period. The age of those having revision surgery went up even more, from 75.8 years old to 77.3.

The number of other medical conditions that those undergoing total hip replacement surgery had increased from an average of one to an average of two between the 1990s and 2008. For those undergoing hip repair, the number of other illnesses went from 1.1 to 2.3 during the study period.

The study did have some good news, however: in-hospital mortality rates after total hip replacement fell from 0.5 to 0.2 percent over the study period, while the 30-day post-op mortality rate fell from 0.7 to 0.4 percent.

Still, the upsurge in post-replacement nursing home care and hospital readmissions is worrisome and expensive, one expert said.

“This trend added significant additional costs back into the system,” noted Dr. Joseph Zuckerman, chairman of the department of orthopaedic surgery at the NYU Hospital for Joint Diseases and the NYU Langone Medical Center in New York City.

And he added, “Of greater concern is the fact that, at the same time discharges to skilled nursing facilities were increasing, so did the readmission rate for hip arthroplasty — increasing from 5.9 to 8.5 percent, adding not only additional costs, but raising concerns about the quality of care provided.”

April 20, 2011

Claims Counts, Losses Pile Up From Weekend Tornados

Filed under: auto insurance, commercial insurance — cleavelandinsurance @ 12:54 pm

Claims Counts, Losses Pile Up From Weekend Tornadoes

April 19, 2011 By Chad Hemenway, PropertyCasualty360.com

Nationwide agent Richard Angel (left) and Kevin George, assistant vice president of claims for the insurer, survey damage in Jonesboro, N.C. (photo courtesy of Nationwide)

NU Online News Service, April 19, 1:05 p.m. EDT

Residents and insurance adjusters from Oklahoma to North Carolina are sorting through piles of debris left by the massive strength of more than 200 tornadoes.

State Farm says it has received more than 10,000 claims from the storms. Hundreds of claims adjusters are in the hardest-hit areas in North Carolina and Virginia.

A significant number of homes will be declared uninhabitable or have sustained major structural damage, State Farm says.

Steve Carroll, vice president and general manager for North Carolina Farm Bureau Insurance, says homes were lifted up off foundations and thrown dozens of yards.

“It’s so unusual—so amazing,” he adds, referring to the extensive destruction left by the storms. North Carolina appears to have been one of the hardest-hit states as the storm system moved east from Oklahoma April 14-April 16.

Related: View Slideshow of the Tornado Damage

“We’re used to handling damages from one [tornado] that hits a specific area, but this is everywhere; there were so many,” Carroll says.

North Carolina normally gets about 20 tornadoes per year. Experts say the state was hit by as many as 20 on April 16 alone.

Thus far NC Farm Bureau has received 2,700 home, automobile, farm and commercial claims. Losses from these claims total about $21 million, but Carroll expects the claims number and losses to at least quadruple—to about 10,000 claims and $100 million of insured losses.

The state’s third-largest personal-lines writer is treating the aftermath of the tornadoes like the aftermath of a hurricane, deploying its greatest catastrophe response, says Carroll. Adjusters in state are being relocated, independent adjusters have been called upon, and others from the Farm Bureau family are headed in.

State Farm spokeswoman Kim Conyers says the insurer has received about 2,200 homeowners claims and 1,250 auto claims.

“I imagine this is a really challenging storm for the industry because it’s so widespread and so severe,” she says. The insurer is deploying resources in and out of state to assist in the recovery, handling the most significant claims first. Another 300 homeowners claims have come from Virginia, Conyers adds.

The severe weather from Thursday through Sunday affected Oklahoma, Arkansas, Alabama, Mississippi, the Carolinas and Virginia. Forty-five people died as a result of the storms.

Nationwide has taken 2,000 home and auto claims in North Carolina as of April 19, says spokeswoman Elizabeth Giannetti. Claims counts are expected to rise significantly as 300 associates are now on the ground to assess damages, write checks and help file claims.

Mobile catastrophe units are stationed in Holly Springs, Sanford and throughout Benson, Fayetteville and Bertie counties to assist policyholders and provide humanitarian aid.

Allstate spokeswoman April Eaton said the company is seeing downed trees, snapped telephone poles, damage to roofs, and hail damage. The insurer has five mobile claims centers in North Carolina, Mississippi, Alabama, South Carolina, and North Carolina. The locations in the Carolinas are drive-in claim centers to meet the increased auto claim volume, she adds.

Catastrophe-modeler AIR Worldwide says April and May are the worst times for tornadoes in the South. However, the weekend’s storm system “was unusual because of its size and duration,” says Tim Doggett, AIR principal scientist. Many tornadoes touched down in open fields, but North Carolina and Virginia are expected to see the most insured losses, AIR says.

The National Weather Service is forecasting more severe weather with the possibility of tornadoes later today through Tuesday.

According to Highline Data, the top writers of personal lines (home and auto policies) in North Carolina in 2010 were Nationwide with a 17.5 percent market share, State Farm (15.8 percent), North Carolina Farm Bureau Insurance (11.1 percent), Allstate (9.7 percent), and Berkshire Hathaway and USAA (tied with 5.4 percent).

Highline Data is a part of Summit Business Media, which also owns National Underwriter.

April 12, 2011

Repeal the Workers’ Compensation Act?

Filed under: commercial insurance — Tags: — cleavelandinsurance @ 12:50 pm

 

Repeal the Workers’ Compensation Act?

Frustrated by the lack of progress in the work comp reform negotiations, the House Democrats’ chief negotiator, Rep. John Bradley (D-Marion), advanced legislation to the floor that would repeal Illinois’ Workers’ Compensation Act in its entirety; thereby throwing all work comp claims into the court system.

While the move has raised the issue to the top of the legislative agenda and the bill may even pass the House, it is unlikely that it would reach the Governor’s desk.

The issues that have deadlocked negotiations since December and caused heartburn in both Republican and Democratic caucuses, causation and reduced medical fees, continue to be the center of the debate.

Governor Quinn, under pressure to address the issue in light of the apparent fraud by hundreds of correctional workers and arbitrators at the Workers’ Compensation Commission, issued an outline of his reform priorities this week. Even the Governor does not address the two major issues – medical fees and causation – that have deadlocked the negotiations. Click here to read the Governor’s priorities.

While a significant reform bill is far from passing, having the issue at the top of the legislative agenda increases the likelihood that a reform bill will reach the Governor’s desk prior to the end of session.

Article courtesy of Independent Insurane Agents of Illinois – Assocation Brief – 4/8/11