Study Finds Small Group Health Insurance Enrollment Declined ...

Small businesses are concerned about the price of health insurance as a key part of their budget.? Since Obamacare has been signed into law, owners of these businesses have been discontinuing coverage.? Insurance carriers have noticed this, and thus, the premiums for these small group plans have increased.

Employers looking for affordable group plans can find them at MediBid.? Businesses can greatly reduce their costs by using the free market available with physician competition and price transparency at MediBid.? Contact us for a no-obligation discussion with one of our experienced benefits consultants.

http://insurancenewsnet.com/article.aspx?id=352572&isrc=fen

August 2, 2012

KENNEBUNK, Maine?(BUSINESS WIRE)? In 2011, nearly 18 million people received comprehensive health insurance through fully-insured small group policies, compared to nearly 42 million people who received similar coverage through fully-insured large group policies, according to a new Healthcare Business Strategy report released by Mark Farrah Associates (MFA). Using information from the Supplemental Health Care Exhibits that insurance carriers file annually with the National Association of Insurance Commissioners (NAIC), MFA analyzed the small group health insurance market and found enrollment declined 1.5% between 2010 and 2011. While small group enrollment declined more than one percent, the total number of small employer insured groups, as reported by health plans, declined eighteen percent (18%), from 2.03 million small groups in 2010 to 1.67 million small groups in 2011.

Historically, a primary budget concern for small business owners has been the price of health insurance. The perception that small business owners paid significantly higher premiums than larger employer groups appears unfounded, according to the analysis. Based on 2010 and 2011 data, small group adjusted premiums per member per month were $4.17 and $4.86 less, respectively, than what large groups paid.

MFA also noted that leading competitors in the small group market are UnitedHealth, WellPoint, Aetna and Health Care Service Corporation (HCSC). Together these four plans insure 41% of the total small group market. Detailed information on small group health plans, the Supplemental Health Care Exhibit and other data filed with the NAIC is available in Mark Farrah Associates? Health Coverage Portal?. To read the full text of ?Small Group Health Insurance Enrollment Declined,? visit the Healthcare Business Strategy library on Mark Farrah Associates? website www.markfarrah.com.

At MediBid, we restore market forces to medical care. Doctors get to set their own rates based on their training, experience, and outcomes, and patients get to shop for medical care across state lines and international borders. Many times with MediBid, you will find procedures that are more effective than procedures allowed, or covered by health plans. Transparency and competition are the only way to achieve reasonable costs. Many of our employer clients offering group health insurance through MediBid save $5,000 per employee per year. Those are substantial savings. Patients are saving an average of 48% vs. insurance discounted rates, or 80% vs. retail. Contact us for more information.

Source: http://www.medibid.com/blog/2012/08/study-finds-small-group-health-insurance-enrollment-declined/

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Acne Treatment Reviews Will Sure To Help

Men and women may believe that as they grow into adulthood and leave the cares and concerns of their pre-pubescent years behind, they are also escaping the clutches of a common skin problem: acne. This skin condition is often associated with the development of crushes on members of the opposite sex and the highly fluctuating hormones that cause mood swings and episodes of angst-in other words, it is considered one of the necessary or seemingly unavoidable experiences one would face in his adolescent years. Finally graduating from this stage in life is accepted by many adults as the appropriate progression into an acne-free, hormonally balanced, and mature outlook in life that involves the acceptance of traditional adult responsibilities.

It comes as an unfortunate surprise, then, when adults discover that they can still be prone to the development of acne. In fact, it can affect as many as 25% of all adult men and 50% of adult women, regardless whether they experienced having acne in their youth or not. For some individuals, recurring struggles with the skin condition can last and will continue to require treatment even well into the mid-forties. In order to find the most effective treatment that can help clear up acne once and for all, many consumers try out different adult acne products, like Exposed Skin Care. Exposed acne treatment reviews can offer valuable insight into the effectiveness of these products and how they were able to transform the lives of consumers who have used them before.

Exposed Skin Care is a line of products developed to specifically treat acne thanks to a number of special active ingredients. By using Exposed Skin Care Facial Cleanser, Clearing Tonic, Clear Pore Serum, and Acne Treatment Serum, customers suffering from adult acne can experience healthier skin and improved overall performance. According to the brand's official website, a worldwide survey of Exposed users revealed that 98% of users developed clearer skin while 96% of users reported improved skin tone and appearance.

A reliable acne treatment review site can compile important information from a large number of websites, forums, and blogs that relay several customer reviews of a particular product. Writers of review sites typically provide their own feedback on the product as well, and the result is a diverse collection of consumer reviews-with both positive and negative experiences and insights to share-that can help non-users evaluate the performance of a product before they decide to buy.

There are always unfortunate incidents with a skin care product that barely lived up to its performance claims, or a hair care product that failed to deliver the results it promised. A review site gathers consumer reviews from all over the Web from real customers who have tried the product for themselves and have offered their opinions about the product. With reliable, unbiased reviews, the average consumer can come closer to deciding on the safest and most effective treatment for their adult acne, saving them a lot of time, effort, money, and heartache.

Getting rid of your acnes with the help of acne treatment reviews.

Source: http://articles.submityourarticle.com/want-to-get-rid-of-your-acne-acne-treatment-reviews-will-sure-to-help-286355

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In Preparing Texas Students for College, a Struggle

The short answer to whether most Texas students leave public schools prepared for college? No.

Less than one in two students met the state's "college readiness" standards in math and verbal skills on ACT, SAT and TAKS scores in 2010. Though average SAT scores in both verbal and math dropped between 2007 and 2010 -- a trend that state education officials have attributed to an increase in students taking the test -- more students in the same period of time have met the state's standards for college ready graduates, largely because of improvements on their state standardized tests and the ACT.

But that increase is only a slim silver lining in what appears to be a large storm cloud.

"It's still pathetic," Dominic Chavez, a Texas Higher Education Coordinating Board spokesman, said of the ACT scores. "It's still a very low number, and nobody is satisfied with it."

Getting to a number that is satisfying is a task that policymakers, educators and the business community have grappled with for years. And although the current data shows that something is not going right, pinpointing why is difficult. Part of the trouble is that while it is easy to define what skills students need to be successful in college, so far the measures used to assess how they lack those skills have returned an incomplete picture.

Debates over lagging performance at community colleges and four-year institutions can devolve into finger-pointing between the higher education and K-12 camps, each blaming the other for students' poor performance at the post-secondary level.

Because colleges are not good at gauging what remedial courses students need, some experts say, students fall through the cracks or give up because they are not progressing toward a degree. They cite the numbers who are "underplaced" in remediation because they did not take the placement exam seriously when they got to campus, or they have spent time out of school -- and quit out of frustration or boredom.

Others point out that deficiencies in students' secondary education are often the reason they are in remedial courses.

In an effort to provide better data for the discussion, the state in June approved a contract with the College Board to develop a statewide placement assessment, which all institutions would be required to administer to incoming students who do not meet the benchmark scores on state standardized exams or college admissions tests. The new assessment is intended to provide a uniform view -- different colleges offer exams from different vendors -- and detailed diagnostics to give a better idea of what post-secondary students are missing. That in turn would allow colleges, if needed, to offer a three-week review of trigonometry instead of a yearlong review of introductory math. And for high schools, the diagnostics could offer a closer analysis of where they are coming up short.

"I don't think we have a good identified gauge over the past because we've been using a test that has no diagnostics," Richard Rhodes, the president of Austin Community College, said of measuring college readiness. "We also haven't across the board done a good job in preparation to take the test."

A growing body of research questions whether the measures that students must pass to avoid taking the placement test -- the state standardized and college admissions exams -- can accurately predict how well a student is prepared for college. Studies support that high school grades, not placement or admissions exams, give a better picture of whether students are ready for college, said Pamela Burdman, an education policy analyst who recently wrote a report on the role of placement exams in assessing college readiness for Jobs for the Future, a Boston-based nonprofit. And the best measures, she said, use some combination of high school grade point averages and standardized test scores.

The move toward the single statewide placement assessments puts Texas at the forefront of states that are tackling how best to evaluate students as they enter college, Burdman said. Although it should be considered an advance, she said, the state was still several years away from determining if the method does a better job in predicting students' ability to succeed.

If the state can do a better job of assessing what students need once they get to college, it also has implications for the help they receive in high school. Some community colleges across the country, including El Paso Community College, have provided students the option to take a college placement exam their junior year of high school. Once they receive their score, they can use that to guide their coursework in their remaining year. Burdman said it could serve as an early intervention to increase students' chances at success before they get to the point where they need remedial work.

A few school districts across the state have collaborated with local community colleges in another way to increase their graduates' likelihood of success in higher education. At early-college high schools, students can take a higher number of dual-credit courses earlier than their peers at traditional high schools, allowing them at times to leave school with an associate's degree.

Such programs can also give the school officials who institute them a window into the challenges of increasing the number of students prepared for college.

West of Abilene, the Roscoe school district has invested money earned from area wind energy development into becoming a state-of-the-art early-college school, with a goal that 90 percent of its students graduate with an associate's degree by 2015 -- at a time when Superintendent Kim Alexander projects that about the same percentage will be from low-income and English-language-learning backgrounds.

Roscoe's example helps illustrate the difficulties of measuring students' "college readiness." In 2010 the district still lagged behind the state average with just more than one in three students graduating ready for college in both English and math. But 55 percent of its students were already taking college courses through the dual credit program, compared with the state average of about 25 percent.

Alexander said that although he believed they were on their way to meeting the 2015 objective, the disconnect between the skills students need for college coursework and those that the standardized tests measure made it more difficult.

"Everybody is starting to see the issue, and everybody is trying to raise their standards, whether it is higher ed or public ed," said Alexander, whose district has just under 400 students. "It's just not in sync at this point in time."

That may improve with the continuing transition to the STAAR exams, the state's new standardized assessments, which are supposed to be better aligned to coursework. But Alexander said some of the issues in the current system would probably remain. For instance, he said that if students are taking a dual credit course, they must take both a standardized exam and a college final -- something that he said was a deterrent for both schools and students who want to take that step.

"You've got that ever-present pressure on the high-stakes testing that really hogties your creativity to do some things," he said. "There's just some really tough issues that if you are wanting to be innovative and you are wanting produce a student who is really college and workforce ready, these students are almost being penalized for choosing that path."

Texas Tribune donors or members may be quoted or mentioned in our stories, or may be the subject of them. For a complete list of contributors, click here.

Source: http://bigcountryhomepage.com/fulltext?nxd_id=520422

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Samsung Galaxy Tab 10.1 Coming This Month - Mashable

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Source: http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFti35ROc6TW5mTgcjYRgMhjhoVfw&url=http://mashable.com/2012/08/06/samsungs-galaxy-tab-10-1-release/

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House unveils its five-year farm and food bill

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Source: http://news.yahoo.com/house-unveils-five-farm-food-bill-193705852--finance.html

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Greece enters 2nd day of power-sharing talks

The winner of the Greek elections, conservative Antonis Samaras, center, answers journalists questions in the Greek parliament in Athens Monday, June 18, 2012. Greece's two pro-bailout parties appeared likely Monday to agree on forming a coalition government after a bruising election watched closely because of its potential impact on the world economy, but negotiations were pushed to a second day after the head of the socialist party insisted on a broad partnership. (AP Photo/Petros Giannakouris)

The winner of the Greek elections, conservative Antonis Samaras, center, answers journalists questions in the Greek parliament in Athens Monday, June 18, 2012. Greece's two pro-bailout parties appeared likely Monday to agree on forming a coalition government after a bruising election watched closely because of its potential impact on the world economy, but negotiations were pushed to a second day after the head of the socialist party insisted on a broad partnership. (AP Photo/Petros Giannakouris)

Alexis Tsipras, head of Greece's second-placed Syriza radical left party speaks after talks with conservative election victor Antonis Samaras in the Greek parliament, in Athens, on Monday, June 18, 2012. Tsipras, as expected, declined to join in a coalition with Samaras' New Democracy. Samaras, who on Monday received the presidential mandate to try and form a coalition, said he would persevere in his efforts as debt-crippled Greece is in immediate need of being governed. The conservatives control 129 of Parliament's 300 seats, and need a one-seat majority to pass laws. However, in order to govern effectively, they will need considerably more than that. (AP Photo/Petros Giannakouris)

Socialist leader Evangelos Venizelos, speaks to the media after meeting with Greece's conservative election victor Antonis Samaras in Athens Monday, June 18 2012. The conservative New Democracy party won Sunday's ballot, but without enough votes to form a government on its own. PASOK came third. Both have said they will stick to Greece's international bailout commitments, although they want to renegotiate some of the harsh austerity terms taken in return for the international rescue loans. (AP Photo/Kostas Tsironis)

Leader of the New Democracy conservative party Antonis Samaras, left, meets with Democratic Left party leader Fotis Kouvelis at the Greek parliament, in Athens, on Monday, June 18, 2012. Samaras, who came first in Sunday's national election, said he will meet with leaders of all parties "that believe in Greece's European orientation and the euro" this afternoon in order to form a new coalition government. (AP Photo/Petros Giannakouris)

ATHENS, Greece (AP) ? Rival Greek party leaders were locked in a second day of power-sharing talks on Tuesday, with two potential minority partners voicing hope that a pro-bailout coalition government can be quickly formed after the debt-crippled country's second inconclusive election in six weeks.

At the core of any administration will be Antonis Samaras' New Democracy party, which came first in Sunday's vote and won 129 of Parliament's 300 seats ? but not enough to govern alone.

Samaras is seeking an alliance with the third-placed Socialist PASOK and the smaller Democratic Left party, which would broadly fulfill Greece's pledges to its bailout creditors for further cutbacks and reforms, keeping the country within Europe's joint currency. Otherwise, Greece would run out of cash and the continent could plunge deeper into a financial nightmare with global repercussions.

PASOK leader Evangelos Venizelos met Tuesday with Democratic Left head Fotis Kouvelis, who told reporters afterward that a three-party deal could potentially be achieved "within hours."

Kouvelis said parties first had to agree on a policy platform, and on who would be appointed to the cabinet.

"I believe the process is gathering speed, the country must have a government ... and in the next hours, if there is an agreement ... it will be possible for us to proceed," he said. Kouvelis insisted that parts of Greece's harsh austerity program must be revised, saying the country "has been pulverized by pitiless measures."

Venizelos, who has pressed for an agreement by Tuesday night, said he was optimistic a deal could be reached.

"I am confident after my meeting with Mr Kouvelis, our views are very close," he said. "Greece must ? and will ? have a government as soon as possible. We agreed that the necessary processes must be accelerated."

Both the conservatives and PASOK have pledged to respect the commitments for further austerity and reforms that Greece undertook as conditions for two massive international bailouts since May 2010. They are pressing for an extension of at least two years in the deadline, which would alleviate the immediate impact of new cutbacks and is seen as a likely concession by creditors.

The Democratic Left is anti-austerity in principle, but wavering.

The second-placed, anti-bailout Syriza radical left party has refused to join in a coalition. Party leader Alexis Tsipras campaigned on a strong anti-bailout ticket, vowing to scrap the country's pledges and play tough with creditors ? Greece's European partners and the International Monetary Fund. His message resonated strongly with an austerity-weary electorate, which propelled Syriza from 4.6 percent in 2009 to nearly 27 percent and gave anti-austerity parties more than 50 percent in total.

In order to pass most laws, a government needs a simple majority of 151 seats. But to have any chance of success, it would require considerably more than that, especially amid the social turmoil of the past two-and-a-half years of harsh austerity in Greece.

Together with PASOK and the Democratic Left, Samaras' party would have 179 legislators, enjoying a strong majority of 28 seats.

Hopes that a deal can be struck boosted Greek share prices, with the battered Athens stock exchange gaining 2.2 percent in early midday trading.

Greece's short-term borrowing costs declined slightly on Tuesday, with the interest for a new 13-week treasury bill issue reaching 4.31 percent, down from 4.34 percent last month.

The total sum raised was ?1.3 billion ($1.64 billion), with the auction 2.2 times oversubscribed.

Samaras' three-day mandate to form a government expires on Wednesday. If it fails, Syriza would get a chance to form a government, followed by the Socialists. But Tsipras has said he will not even try to create a government. Venizelos has advocated circumventing the mandate process and proceeding straight to a meeting of party leaders under President Karolos Papoulias.

Venizelos has insisted that Syriza should participate in any coalition government, in what appears more an attempt to show the left-wing party up as intransigent rather than a realistic effort to drag it into governance.

Setting apart their bitter rivalry stemming from four decades of what was effectively a two-party system, New Democracy and PASOK took part in a brief coalition government earlier this year.

___

Associated Press writer Menelaos Hadjicostis contributed.

Associated Press

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New Zealand troops to leave Afghanistan early

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