PLUS:Family HealthHealthy Agingand More
2 YourWellness.mn Medical Guide | March 2013
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With locations in Chaska, Chanhassen, Delano, Excelsior, Howard Lake,
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like familyWe treat families
Beth Kennedy, DOFamily Medicine
YourWellness.mn Medical Guide | March 2013 3
TABLE OF CONTENTSTRENDS 2013Health Care ReformNavigate the changes ahead .............................. 4
YOUR HEALTHHealth Cares AlphabetSome common credentials identifi ed. ................. 6
FAMILY HEALTHChilds Immunization ScheduleAsk your doctor ................................................ .7
HEALTHY AGINGBe a Healthy BoomerTry these heart-healthy ideas .............................. 8
ESTATE PLANNINGLeaving Your LegacyConsider these estate planning tips ................... 10
HOSPITALS & URGENT CARE LISTING ................ 11
SENIOR LIVINGTaking Care of the CaregiverHelp yourself and your loved one ...................... 20
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4 YourWellness.mn Medical Guide | March 2013
By YourWellness.mn Staff
The Affordable Health Care Act continues to change our countrys and our states health-care system. Since it was signed into law in 2010, some changes have already occurred, some will go into effect this year, and still others will take place next year. Here are some highlights.
Young Adults and Health InsuranceThis change has already taken place and several sources say that this is one of the more popular reforms that emerged from the Affordable Health Care Act.
All health plans must allow young adults to remain as dependents on their parents health plan until they turn 26, whether or not they live at home or can be declared as dependents on the parents income tax return.
This is a highly popular feature of the Affordable Health Care Act, says Dr. Greg Kutcher, President and CEO of Mayo Clinic Health Systems Southwest Minnesota Region.
Indeed, an estimated 6.6 million young adults nationwide who would otherwise be uninsured have gained coverage during the fi rst year of eligibility, according to a recent analysis by the Commonwealth Fund, a nonprofi t health policy think tank.
As Kutcher points out, this change refl ects how our countrys culture has changed. There is a longer launch period for young adults to go from education into a life-career pathway.
ExchangesConsumer Reports recently reported that, by this summer or fall, every state must have an insurance exchangean organized marketplace where individuals and small-business owners can view, compare and purchase qualifi ed private health plans. States have the option of setting up exchanges themselves or allowing the federal government to do the job.
Minnesota may opt to create its own exchange and recently launched a new website to connect with more than 1 million Minnesotans who are expected to use the new marketplace to get coverage.
As the St. Paul Pioneer Press recently reported, the new site is designed to provide Minnesotans with up-to-date information about how to take advantage of the exchange. It includes a video and a benefi ts calculator that will tell individuals if theyre eligible for tax credits. About 300,000 previously
uninsured Minnesotans and 200,000 small-business employees will gain coverage through the exchange.
However, the state legislature must fi rst pass a law to create the exchange.
And, some are concerned about the cost. Senate Minority Leader David Hann, R-Eden Prairie, recently told the Star Tribune that he considers the exchanges expensive and unnecessary and would rather see Minnesota join the 30 other states that are refusing to come up with their own exchange plans
Health Care ReformBe a savvy consumer to navigate changes ahead
Dr. Greg Kutcher
YourWellness.mn Medical Guide | March 2013 5
in protest. ...there are 30 states that elected not to [create their own exchanges] and I frankly think thats a better idea.
Some state government projections estimate that the insurance exchange may cost about $54 million to operate.
Visit the state health exchange website at www.mn.gov/hix.
Guaranteed IssueThis takes effect Jan. 1, 2014, and is one of the most visible pieces of recent health care reform: Health plans must sell coverage to everyone, regardless of pre-existing conditions, and cant charge more based on health or gender.
However, how this reform will actually play out is still unknown. The proof will be in the pudding, says Mayos Dr. Kutcher. No longer will insurance companies be able to charge for health insurance based on things such as pre-existing conditions...the question, though, is whats it going to cost to buy insurance...we dont know what insurance will cost at this point for either high or low deductible plans.
Individual MandateAlso beginning next year, everyone will be required to have health insurance or
pay a penalty. According to Consumer Reports, almost any legitimate coverage will satisfy the mandate, such as private insurance obtained on your own or through a job, Medicare, Medicaid, Veterans Affairs, etc.
Again, according to Dr. Kutcher, the actual cost is an unknown. The Individual Mandate is a big deal, but it will be hard for people to make decisions on how they will meet [the mandate] when they dont know what the costs will be. Those costs could include items such as the cost of individual insurance policies or the overall health care costs that individuals may need to pay for out of their own pocket.
The Road AheadAs health care consumers navigate these and other changes, Dr. Kutcher advises keeping in mind the forces that brought us to these reforms. Health care in the United States has improved dramatically over the last couple of decades. The number of diseases and related issues we can help people with has improved dramatically. But the cost has become an issue.
Indeed the cost issue is why health care reform is occurring. Further, a number of these recent changes may in fact be steps to somewhere else, and may be temporary and evolving, Dr. Kutcher says. Consumers have to understand that how we deliver health care is changing, and how they as consumers access care is changing, too.
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6 YourWellness.mn Medical Guide | March 2013
How many times have you been to your doctors offi ce, clinic or a hospital, looked at someones name badge and wondered what all of the letters meant after the persons name?
Indeed, medical professionals are often defi ned by these initials. The catalog of various credentials in medicine is quite long, but, here is a selected list of some of the more common credentials you may encounter.
ANP Adult Nurse Practitioner
BM Bachelor of Medicine
CCNS Critical Care Nurse Specialist
CNP Certifi ed Nurse Practitioner
DC Doctor of Chiropractic
DDS Doctor of Dental Surgery
DM Doctor of Medicine
DN Doctor of Nursing
DO Doctor of Osteopathic Medicine
DSW Doctor of Social Work
DVM Doctor of Veterinary Medicine
EMT Emergency Medical Technician
FNP Family Nurse Practitioner
LCP Licensed Clinical Psychologist
LICSW Licensed Clinical Social Worker
LPN Licensed Practical Nurse
MD Medical Doctor
NP Nurse Practitioner
PA Physicians Assistant
PHN Public Health Nurse
PT Physical Therapist
RN Registered Nurse
VT Veterinary Technician
Sources: American Medical Association, All-acronyms.com
credentials identifi ed
Gregory M OttInsurance Brokers of Minnesota
After hours by appt.
YourWellness.mn Medical Guide | March 2013 7
This immunization schedule, published online by kidshealth.org, may vary depending upon where you live, your childs health, the ty