The Evolution Of Integrated Health Care Delivery Systems And The Singularity

If one had to design a health care system that would seem doomed to failure one might start with one in which the providers of care were fragmented, independent and driven through the reimbursement system to provide ever more services that generate higher income on a fee for service basis. The system would provide care to patients who were isolated from the economic costs of the services by third party payments, through employer funded insurance coverage. Third party payers would make their money through reducing premium payouts, by simply delaying or not paying out what they contracted to provide or extorting deep provider discounts in exchange for directed volume. The approach to care of individual patients would be ad hoc, without significant oversight. Severely ill patients would be passed back and forth by all providers like the black queen of spades in a deck of cards. Bad debts would be written off as “charity care.” Insurance premiums would rise faster than the world’s oceans in global warming. Sound familiar?Unfortunately, in an contentious and polarized political democracy little can be done to re-design an antiquated, inefficient, ineffective, and bankrupting cowboy system of health care delivery in a focused, comprehensive way that will likely make a real difference. There are just too many moving parts and special interests involved. There is, however, an incremental change underway as a result of the recent health care reform efforts that have the potential to morph the system into a paradigm that makes more practical sense. Medicare will be providing contracts with Accountable Care Organizations that will have to become clinically integrated systems of efficient hospitals and care providers in order to obtain adequate reimbursement. Expect to see these new systems expanding in the private sector as well.The government’s push toward implementation of global electronic medical records systems will be key to the development of data driven systems competing not only for financial gain, but also for quality in performance and outcomes. Data capability inaugurates performance accountability in managing patient care. With the advent of reliable data there will be more and more focus on evidence based medicine, what works and what does not and we will be moving from a largely intuitive approach to an empirical design in health care delivery. Outliers will be reviewed, evaluated and addressed. The focus will be on system based accountability in providing the most effective method of care and the most reasonable price. This can only occur if hospitals and care providers are focused on and are compensated for the delivery of health not the delivery of care. Look to the rise and advance of fully integrated health care systems compensated in global fixed fees, and view the decay and death of fee for service medicine.The pace of technology development in the form of electronic medical records, smart electronic medical devices and in communication, storage and cloud computer functioning, augers the potential for what what Ray Kurzweil describes as the “Singularity.”What then is the singularity? It’s a future period during which the pace of technological change will be so rapid, its impact so deep, that human life will be irreversibly transformed. Although neither utopian nor dystopian, this epoch will transform concepts that we rely on to give meaning to our lives from our business models to the cycle of human life, including death itself.Kurzweil, Raymond The Singularity Is Near: When Humans Transcend Biology. Viking (2005), at 7. The best hope for solving of the health care delivery and financing dilemma may well reside in the the disruptive power of advancing technology and a paradigm shift to systemic rather than individualized views of quality and success.

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Business Owner Loans

Business loans can give companies the necessary extra cash to get in new equipment, stock and cover a variety of expenses. There are a range of loans available on a commercial basis, that can help a business get hold of money easily and quickly, and give you the freedom to use the money to the your best advantage. Paying a loan back can be costly, so it’s important to get a good deal, so the money you borrow can be used to its full potential and repayments are easy to make and afford.Getting additional funding for your business can involve a lot of research, and decision-making, so it’s important to be aware of the different types of loan available commercially. Business loans work much on the same basis as a personal loan – your business borrows the money, and then it is repaid over a period of time usually with a fixed or variable rate of interest added. High street banks and many other lenders can offer good deals on business loans, for a variety of business types and sizes.What type of business loan you might decide to apply for will often be based on the cost of repayments and interest rate. Interest rates are given as an Annual Percentage Rate (APR) that is the equivalent amount of interest you would repay on the total amount of the loan over a period of a year. There are two main types of interest rate to consider when applying for business loan, and although they are both added to the cost of your loan as an APR, the way they work varies significantly. A fixed rate loan will mean you will repay an agreed rate of interest on your loan over a period of time.A variable rate loan will usually be tied to the Bank of England base rate, so if that changes then so will the amount you need to repay. As long as rates stay low, or decrease, you could be in for a good deal on your commercial loan. But if the Bank of England base rate rises, you could end up paying considerably more for your business loan compared to a fixed rate commercial loan. Some lenders can offer a ‘capped’ rate on a variable rate business loan, which means that if the base rate rises beyond a certain level, you have a guarantee that the amount of interest you pay will not go beyond that certain rate.Always read the small print when taking out a business loan, as hidden charges and other conditions could affect the cost and repayments of the loan. This can include extra charges such as a set up fee, late payment charges, penalties for early repayment of the business loan, and other charges the lender may add. Always factor in these potential extra charges when comparing the prices of the different commercial loans available.One of the best ways to compare the different prices and conditions of loans is to use a price comparison web site. In business time often means money, and going from bank to bank in the high street and dealing with the various figures and brochures can be frustrating and time consuming when trying to find a good deal on a commercial loan. A comparison site for business loans can save time and hassle that could otherwise be used more efficiently for your business.

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How You Can Use a Small Business List

Small businesses are usually sole proprietorships, partnerships or privately owned corporations. They employ a small number of employees and often do not have financial turnovers as large as those of large multinational companies. Small businesses are present in every industry. Ranging from interior designing to jewelry sales and even pet services, it is hard to avoid any of these businesses in our daily lives.However, with so many small businesses selling products and services in society, we often forget that they can potentially be a very lucrative pool of customers as well. Any company that provides products or services to small businesses can benefit greatly from having a small business list.Fortunately, the advancement of technology has enabled almost anyone to get access to a small business list with ease. There are online portals available for organizations and individuals to communicate with these small businesses, allowing them to get up-to-date information about company details and any other updates. One can also do a quick search online to look for such publicly available small company details. However, this is a potentially long and tedious process.A good alternative is to look for small business mailing lists offered by list brokers and compliers on the web. The small business lists provided by brokers enable immediate access to a large pool of up-to-date information about other small businesses. The best part is that these lists are continuously being updated, so you won’t have to worry too much about getting outdated information. A quick rental of such a list would save one the time of having to personally search and update records.Next, after having a small business list, individuals and other businesses can use it to their advantage. Entrepreneurs, start-up firms and home-based workers can use the list to conduct market analysis and research for example. This way, they easily identify market needs and are able to offer their products and services to these potential clients.Another way a small business list can be used is to send out promotional material to highly targeted business prospects. For example, if you own an air-conditioning repair service, you could send out promotional brochures advertising your services to small businesses that could very well be your clients in the future. After all, which business office doesn’t own an air-conditioner or two?The benefits of having access to a small business list is worth it’s weight in gold. But should one compile the list themselves, or rent one instead? If one wishes to manually compile the small business list himself, he will have to ensure that they are constantly being kept up-to-date.This is because companies often make changes in their management, causing contact persons to change, or even a change in company address. The time and monetary costs required to maintain an accurate list of small business contact information is not small.To avoid this, it would be best to rent a small business list and spend their time on making actual sales.Having immediate access to a complied updated business list helps individuals and organizations to save time and money. When they require small businesses for their marketing needs or require help in their businesses, they can tap on this large resource base easily and efficiently.

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