Expert Offers Tips for Selecting Insurance Options

Thanks to Baby Boomers and modern medical marvels, more Americans than ever are heading into their senior years, and they're expected to live longer than ever, too. Barely 50 years ago, our average life expectancy was 62.5 years; today that number has risen to 78.2 years, according to the U.S. Census Bureau.

That means that more Americans than ever will also soon be deciding how to handle their eldercare. Steve Casto, Retirement Income Specialist and author of Is Your Retirement Headed in the Right Direction?, (www.stevecasto.com), says there are important questions and answers to consider before making that critical decision.

"The key thing to balance is the difference between what you think you'll need and what you can afford between your liquid assets and insurance coverage," Casto said. "If you don't start by asking yourself the right questions, you'll never get to the answers that will lead to a successful long-term care plan."

Here are some questions - and their answers:

Q. Should I opt for nursing-home or in-home care insurance?
A. When selecting insurance plans, protect against your worst risk first. In-home care is more about maintenance, while care outside the home is focused on crises. Home care is good for when a person needs help getting around. If he has a stroke, he'd need to be cared for outside the home initially, so there is a need for both.

Q. What should I select as my daily allowance?
A. If your health deteriorates, a daily allowance of $100 per day could cover all your care outside the home, but only a third of the care inside the home. Your home-care costs could rocket to more than $400 or more per day, so plan for the worst.

Q. What is an elimination period?
A. Sometimes referred to as the "waiting" or "qualifying" period, this refers to the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer. With long-term care, the typical elimination period is 90 days, which means you are responsible for covering the first 90 days of care on your own. Most people believe that Medicare covers the first 90 days, which is dead wrong. It only covers it under certain conditions, and not all patients meet those conditions, which include :

o A nursing home stay that follows a three-day hospital stay
o Admission to a nursing home within 30 days of hospital discharge
o A Medicare-certified nursing home
o Physician-certified need for skilled care on a daily basis

Your best bet is to be insured through a long-term care policy for that first 90 days.

"These are just a few of the issues," Casto says. "A good starting point for those planning early is to completely discount the idea of getting a dime from Medicare. Even if it is still around when you need long-term care, the restrictions on Medicare are tightening. You'll be lucky to get the program to pay for 10 percent of a nursing home stay.

"The real answer is to get a solid long-term care insurance policy that is based on a sound plan."

About Steve Casto

Steve Casto is founder and president of Strategic Wealth Solutions, Inc. an Omaha, Neb.-based financial firm that manages money for investors in the Midwest. Steve helps clients reduce their tax bill, minimize their risk, and ensure they don't outlive their money. He's the author of Is Your Retirement Heading in the Right Direction? and offers presentations on how to increase income while reducing taxes.

Explaining the need for mammograms and pap smears to immigrant women?who don't speak English?is a challenge for health care workers and those trying to help the immigrants assimilate into a new country.  Thanks to a "Stand Against Cancer" grant there is a new picture book designed to educate the women about the procedures.

A sneak preview of the book will be held Wednesday, March 28th at 9:30 at Church of Peace in Rock Island (1114 12th Street).

The list of attendees at the news event who will be available for interviews include author, Nora Steele, the Stand Against Cancer advocate for this area; Kathy Lemburg from the Rock Island County Health Department; 2 representatives from the Komen Quad Cities group; illustrator, Barbara Crede; Doug Tschopp from Augustana College; Church of Peace Pastor Michael Swartz, Black Hawk College teachers who are instructing the immigrants as well as the students who the book was written for.

WHO:  Immigrant women
WHAT:  Picture book explaining mammograms and pap smears
WHERE:  Church of Peace Rock Island?1114 12th Street
WHEN:  Wednesday, March 28th at 9:30 am.

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Friend --

Two years ago today, we passed the Affordable Care Act into law -- and more and more Iowans are reaping the benefits every day.

The numbers speak for themselves: 611,000 people in Iowa have gained expanded coverage for free preventive care, while more than 18,000 young adults are now able to stay on their parents' plans. And more than 1.1 million Iowans no longer have a lifetime limit on the coverage they receive. These are real results.

But a lot of people don't realize just how important the Affordable Care Act is for Iowans, or how much of our progress is at risk in November.

Help spread the word about how health care reform is benefiting you and your fellow Iowans by writing a letter to your local paper.

Using our letter to the editor tool is easy -- it'll help you find your local paper and submit it to the right place in no time. There are even tips and helpful points you can use to make your case.

The folks on the other side are determined to roll back all of the progress we've made: Every one of their candidates has pledged to repeal the Affordable Care Act. They want to go back to the days when insurance companies -- instead of doctors and patients -- were the ones making decisions about our care.

We won't let that happen. It was people like us -- working in our communities, at the grassroots -- who helped pass health reform two years ago, and it's up to us to keep it safe.

The Affordable Care Act is improving the lives of Iowans across the board -- from lowering costs to small businesses, to giving many more people access to affordable, quality coverage. By sharing these accomplishments with our friends and neighbors, we can keep the reform we fought for in our hands.

Help spread the word by writing a letter to the editor:

http://my.barackobama.com/ACA-Letter-to-the-Editor

Thanks for all you do,

Congressman Bruce Braley


There are 3 ways that you can say:
"HANDS OFF MY HEALTH CARE!"
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1. Sign the petition  Click Here
2. Attend the "Hands off our Health Care" rally in Washington DC this Tuesday  Details Here
3.  Make a contribution to help fund our efforts to fight Obamacare  Click Here
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With the 2nd anniversary of Obamacare today and the U.S. Supreme Court preparing to hear arguments regarding it's blatant disregard for the Constitution from March 26th-28th, we must remind the Washington politicians that we will NOT stop until Obamacare is defeated!
Join the Tea Party Express in telling Obama and our federal representatives: "Hands Off My Health Care!"
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We also encourage you to take a look at the new ad that our friends at Dept. 7 have put together.  It is a response to the Democrat ad showing Paul Ryan throwing grandma off a cliff.  To view the ad click here
Please consider making a contribution to the Tea Party Express so that we can continue to fund operations like these.  Please help by making a contribution of $25, $50, $100, $250, $500, $1,000 or more.
Understanding and Managing a Potential Preterm Pregnancy

Every year, 1 million U.S. women with high-risk pregnancies are placed on bed rest to protect their developing babies. Despite that, every year, about 500,000 newborns - one of every eight - arrive too early, according to the Centers for Disease Control.

Enduring a high-risk pregnancy can be an overwhelming experience of stress, fear and unknowns, leading to more questions than answers. Many of these moms adhere to strict regimes of bed rest; face major changes in lifestyle and relationships; and are subject to dozens of doctor visits and even surgery or medications to protect their unborn children. For them, birth may not be the joy-filled event most families expect.

Knowing those feelings all too well, research scientist Kelly Whitehead wrote High-Risk Pregnancy: Why Me? Understanding and Managing a Potential Preterm Pregnancy (www.hrpwhyme.com), which is backed by fetal and maternal medicine specialist Dr. Vincenzo Berghella, a top pre-term birth researcher. Whitehead's first child died following his premature birth. During her next pregnancy, she spent 4½ months in bed worrying over and trying to protect her daughter.

The book is both a medical reference and provides emotional support for mothers-to-be, with Whitehead providing answers in layman's terms to the myriad medical questions families have. Whitehead also shares coping strategies she discovered, along with what she's learned through benefit of hindsight, and insights from other mothers.

• Try to enjoy being pregnant. Don't miss out on this experience because you're high-risk. Do the normal prego things, even if you have to modify them: Shop online, get a belly cast, shoot expanding-belly photos, and savor those kicks and body changes. Don't forget or stop dreaming about the actual birth and your desires for what it will be like. I regretted missing out on so much while carrying my daughter. Rather than enjoying the pregnancy, I kept focused on the end and my hope she would survive.

• Don't let your emotions become your enemy. Say goodbye to guilt - this is not your fault!  It's okay to be bitter, angry and upset at the world, and to hate "normal" pregnant women, but it isn't going to change anything. So go get mad, yell, and cry, and then move on.

• Pelvic rest sounds easy, but it isn't. It's not fun being forced to become a nun, so don't. There are still ways to enjoy intimacy; you just need to get creative. Think high school - remember how much fun necking was? Try body oil, a massage...whipped cream? Sexy lingerie is still hot, even if you're pregnant. Flaunt your new assets - they surely went up a cup size or two.

• Educate yourself about your situation. Don't go reading about every other possible scenario out there; you don't need to worry about problems that aren't a likely issue for you.

• Ask and you shall receive. It may sometimes feel as though people have forgotten about you, but the reality is they're busy and they have no idea what's it's like for you. If you want company, reach out and invite someone over.

"I know it's tough to be going through a high-risk pregnancy and living in fear every day," Whitehead says. "Though this will be the toughest time of your life, many of us have been through it and now have our children. You can, too.

"Keep your chin up and keep hoping. Healthy babies are born every day to families who've walked the same path."

About Kelly Whitehead

Kelly Whitehead is a scientist-mom, who lost a preemie son and went on to have two high-risk pregnancies. She wrote High-Risk Pregnancy: Why Me? Understanding and Managing a Potential Preterm Pregnancy as an educational tool and emotional guide for those experiencing a difficult pregnancy and the providers who work with them. She is also a trained doula, birth advocate and spokesperson for Sidelines National High Risk Pregnancy Support Network. For more information, check out www.hrpwhyme.com.

Temple Grandin, a prominent author and speaker with autism, has
been featured by TIME magazine as one of 100 people who most affect our
world. She has appeared on "60 Minutes" and was the subject of an award-
winning HBO movie.

Now she is coming to Davenport in April - Autism Awareness Month -
- to share her insights about autism, a challenging communication disorder
that impacts thousands of individuals, their families, teachers, classmates
and others in the Quad-City region.

Temple will speak April 19 at The RiverCenter in Davenport from
9 a.m. to 11 a.m. She'll describe the challenges she has faced and provide
practical ideas on how others living with autism can meet these obstacles
and improve the quality of their lives. A free will offering will be accepted.

Temple's talk is part of the Anti-Stigma Speaker Series that the Vera
French Foundation developed in 2008 to bring to the Quad-City community
nationally recognized personalities who address mental health issues. The
goal of the Anti-Stigma series is to educate and inform people and shine a
light of understanding on those dealing with mental health issues.

An estimated 4,000 people in the Quad-City region have autism, says
Tom Crane, president of the Autism Society of the Quad Cities and parent of
an adult son with autism.

No one is more articulate in explaining some of the mysteries of
autism than Temple, who at age two was unable to speak and showed signs
of severe autism. Many hours of speech therapy, and intensive teaching
enabled her to learn speech. She endured constant teasing as a teenager
because of unusual behavior, but her high school science teacher and an
aunt who lived on a ranch motivated the young woman to pursue a career as
a scientist and livestock equipment designer.

Awarded a Ph.D in Animal Science from the University of Illinois
in 1989, Temple serves as a professor at Colorado State University. She
conducts research while teaching courses on livestock handling and facility
design. Her book, "Animals in Translation" was a New York Times bestseller.
Other popular books she has authored include "Thinking in Pictures,
Emergence Labeled Autistic," "Animals Make us Human," and "The Way I See
It: A Personal Look at Autism and Asperger's."

Temple has received numerous awards for her work and is a past
member of the board of directors of the Autism Society of America. She
lectures to parents and teachers throughout the U.S. on her experiences with
autism. Articles and interviews about Temple have appeared in the New York
Times, People, TIME, "National Public Radio," "20/20," "The View" and the
BBC.

Sponsors of Temple's presentation are Genesis Health System, Scott
County Regional Authority, Autism Society of the Quad Cities, Quad-City
Times, Cumulus Quad Cities, Radish, Vera French Foundation Speakers
Committee, and the Putnam Museum, which will show a free screening of
HBO's "Temple Grandin" April 12 at 7 p.m. For a complete schedule of
Autism Awareness Month activities, visit www.verafrenchmhc.org.

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Bill would guarantee patients and doctors the right to make health care choices, not unelected, unaccountable bureaucrats

Washington, DC - Congressman Bobby Schilling (IL-17) today voted in favor of H.R. 5, the Protecting Access to Health Care (PATH) Act, which will repeal the health care reform law's Independent Payment Advisory Board (IPAB), among other things.  Opposition to the IPAB is broad and bipartisan, and today's vote marks the House of Representatives' 26th vote to repeal or defund parts of the unpopular health care law.

"Two short years ago when I was home running St. Giuseppe's Heavenly Pizza with my family, folks like us were led to believe that when the health care reform bill was passed and we found out what was in it that we'd like it," Schilling said.  "We were told that if we liked our health care we could keep it, assured that the law wouldn't be a budget-buster, and promised that the government would stay out of our health care decisions.  As many of us learned, though, that hasn't been the case."

The IPAB is a board of 15 unelected bureaucrats given power under the health care reform law to make cost-cutting decisions that restrict access to health care for Medicare beneficiaries.  There is no requirement for the panel's meetings or hearings to be held publicly, for the panel to consider public or Congressional input on its proposals, or to make its deliberations open to the public.  Further, according to the law the board "may accept, use, and dispose of gifts or donations of services or property," essentially inviting lobbyists to shower the unelected and unaccountable Board members with meals, cash, cars, vacations, or even homes.   

"I firmly disagree with the Independent Payment Advisory Board - the Health Care IRS - approach to Medicare, which threatens American seniors' access to quality health care," Schilling said.  "Medicare is a lifeline to American seniors, and nothing is as important to them as having guaranteed health care coverage.  With today's vote we are protecting and empowering our seniors, removing bureaucrats from health care decisions that should be made by patients, doctors, and families."

In addition to repealing the Independent Payment Advisory Board, the PATH Act includes lawsuit abuse reform.  According to the Harvard School of Public Health, 40% of medical malpractice suits filed in the United States are "without merit," leading to the widespread practice of defensive medicine that drives up health care costs without improving patient care.  The PATH Act will reduce the practice of defensive medicine, including a $250,000 cap on noneconomic damages (pain and suffering, in other words) and limits on the contingency fees lawyers can charge.  The PATH Act does allow for the payment of 100% of plaintiffs' economic damages (including medical costs, lost wages and future lost wages, rehabilitation costs, etc).

"In last year's State of the Union Address the President said he would be willing to work with us to make health care better or more affordable, and look at ideas like medical malpractice reform that Republicans had suggested to bring down health care costs," Schilling said.  "The PATH Act does just that.  I hope we can move this bill forward together to bring down costs, rein in frivolous lawsuits, and put seniors and their doctors back in charge of their health care decisions."

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Broken Promises in the 2010 Affordable Care Act

Wednesday, March 21, 2012

 

In 1994, the health care reform bill proposed by then President Clinton failed, in large part, because it would fundamentally changed health care coverage for nearly every American.  In 2009, President Obama decided he would combat the failure of the Clinton Administration by repeating over and over again to the American public "if you like what you have, you can keep it."

 

It is my understanding he said that on 47 separate occasions while the bill was being debated in Congress.  And while it may have been political useful to make that promise to the American people, it remains a promise he can't keep.  The fact is that millions of Americans are seeing changes in their existing health plan due to the health law.

 

The Administration's regulations governing so called "grandfathered health plans" will force most firms?and up to 80 percent of small businesses?to give up their current plan by next year.  When those businesses lose their 'grandfathered' status, they immediately become subject to costly new mandates and the increased premiums that follow.

 

Families in 17 states no longer have access to 'child-only' plans as a result of the health law.  It's not known how many of the families that lost coverage for their children because of the law have been able to find an affordable replacement.  In Medicare Advantage, there is one study showing Medicare Advantage enrollment will be cut in half, choices available to seniors will be reduced by two-thirds.

 

Then there is the open question about Americans who receive their health care through large employers.  The Congressional Budget Office recently released a report with that constructed a scenario where as many as 20 million Americans could lose their employers coverage.  And while I acknowledge the Congressional Budget Office report provided the number I just mentioned as only one plausible scenario, there are many of us who believe it is very plausible given the incentives the health law creates for large businesses.

 

***

 

The President made a further promise that I think we should talk about.  On July 29, 2009, during the consideration of the health law, the President said "Medicare is a government program.  But don't worry: I'm not going to touch it."

 

So let's take a look at the health care law and see if that promise was kept.  The health care law made significant cuts in the Medicare program.  On April 22, 2010, the Chief Actuary for Medicare analyzed the law and found that it would cut Medicare by $575 billion over ten years.  The President said about Medicare "I'm not going to touch it."  The bill cuts $575 billion from Medicare.  The Congressional Budget Office wrote that over $500 billion in Medicare reductions "would not enhance the ability of the government to pay for future Medicare benefits."  The President said about Medicare "I'm not going to touch it."

 

The CMS actuary had this to say about the Medicare spending reductions:  "Providers for whom Medicare constitutes a substantive portion of their business could find it difficult to remain profitable and, absent legislative intervention, might end their participation in the program."  The President said about Medicare "I'm not going to touch it."

 

The CMS actuary said, in essence, these cuts could drive providers from the Medicare program.  I have a hard time understanding how these massive cuts to Medicare count as not touching the program.  On the other hand, the biggest problem facing Medicare in the near term is the physician payment update problem that we constantly have to address here in Congress.  Of course, the health care law did nothing to address that problem.  Perhaps that's what the President meant when he said about Medicare, "I'm not going to touch it."

The Quad City Health Initiative, Genesis Health System, Trinity Regional Health System, Community Health Care, Inc., Rock Island County Health Department and Scott County Health Department, are pleased to share their findings from the 2012 Quad Cities Community Health Assessment.  The assessment and associated documents are available for viewing and download at www.quadcities.healthforecast.net and on the websites of the study sponsors.

Over a year in the making, this Community Health Assessment is a systematic, data-driven approach to determining the health status, behaviors and needs of residents in the Quad Cities Area.  The study is a follow-up to similar studies conducted in 2002 and 2007.  The 2012 study, however, is innovative for its alignment of methodology between the local health providers and public health systems.

The 2012 Community Health Assessment included a telephone survey of over 900 individuals in Scott and Rock Island counties, extensive secondary data analysis and the gathering of input and priorities from local community leaders.  With funding provided by Genesis Health System and Trinity Regional Health System, the partners hired Professional Research Consultants of Omaha, NE to conduct a survey, analyze data and provide a comprehensive report.  Additional secondary data analysis, stakeholder meetings and issue prioritization were administered by staff at the Rock Island and Scott County Health Departments with input from Community Health Care.  Quad City Health Initiative staff facilitated the assessment work across the partnering organizations.

The integrated process met the assessment reporting requirements of the Scott County and Rock Island County Health Departments as well as the new assessment requirements for Genesis Health System and Trinity Regional Health System as established by the Affordable Care Act.   The assessment was designed to have wide benchmarking potential at the state and national levels, as well as to Healthy People 2020 targets.

"As members of the Quad City Health Initiative, our health organizations have a long history of partnering together.  This year, we were able to leverage the ongoing planning processes of the health departments and wrap around them a comprehensive community survey and secondary data collection.  This made our assessment process more aligned, more efficient and more respectful of community stakeholders' time," says Nicole Carkner, Executive Director of the Quad City Health Initiative.

"We are one of the first communities in our region to successfully integrate health system and public health assessment processes," says Wendy Trute, Administrator for the Rock Island County Health Department.  "The comprehensive assessment provides data for the entire Quad Cities region that can be used by our community partners to improve the health of all Quad Citians."

"Our process has already been cited nationally and we are pleased to be a leading example for this work, " continues Ed Rivers, Director for the Scott County Health Department.

The 2012 Quad Cities Community Health Assessment identified some improvements in community health status since the prior assessments.  Notably, a higher percentage of adults and children have visited a dentist or dental clinic in the past year and fewer adults now smoke.  In addition, the Quad Cities also fares better than the national average on selected indicators such as the percentage of adults who have health care insurance, low-weight births, and overall community perceptions like being a good place to raise a family.

The findings of this study will be used to inform decisions and guide future efforts to improve health status and quality of life in our area.  Issues identified in prior studies, such as the percentage of adults who have one or more risk factors for cardiovascular disease, continue to be a concern.  "These findings renew the importance of addressing and promoting healthy behaviors such as healthy eating and active living," says Dr. Jim Lehman, Vice President of Quality, Genesis Health System.  "Although the Quad City Health Initiative has been responding to many of these challenges, we welcome this opportunity to educate the entire community on the importance of creating a culture that supports health and wellness."

One of the overarching themes of the assessment is that lower-income residents in the Quad Cities experience notably poorer health status including physical and mental health.  "We understand that lower-income residents tend to have a higher prevalence of chronic disease but greater difficulty accessing healthcare," says Tom Bowman, CEO of Community Health Care, Inc.  "It is very important for our community to understand how societal issues such as income and education levels translate to health status."

Qualitative input from community stakeholders also identified behavioral health and access to mental health care as a continuing priority for the Quad Cities; this issue was identified in the 2007 assessment and launched several community coalitions in response.  "Our community is at the forefront of understanding the importance of integrated health care," says Berlinda Tyler-Jamison, Vice President of Community Impact & Advocacy, Trinity Regional Health System.  "Behavioral health and physical health are linked and the more we study, the more we understand that we need to have a holistic approach to creating health for people and for our community."

Questions on the 2012 Community Health Assessment may be directed to the Quad City Health Initiative which will be working with the study sponsors to improve health status and quality of life through ongoing projects and community assessments.  Website:  www.qchealthinitiative.org.

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Agriculture Secretary Vilsack Highlights Benefits of the Affordable Care Act to Rural Americans

WASHINGTON, March 21, 2012 - Agriculture Secretary Tom Vilsack today discussed how the Affordable Care Act is building a stronger health system in rural communities and providing better care for farm families and the agricultural community.

"No one should have to go without health care because of where they live, and for too long, rural Americans have been getting the short end of the health care stick." said Vilsack. "The Affordable Care Act is helping millions of young people access health care, strengthening Medicare, and training thousands of new doctors to serve rural areas to give middle-class families the health security they deserve."

Two years ago, President Obama signed the Act into law and today the law is giving Americans more freedom in their health care choices, lowering costs, and improving the quality of care.

Thanks to the Affordable Care Act:

  • 2.5 million more young adults have health insurance on their parent's plan.
  • 3.6 million seniors with Medicare in 2011 alone saved an average of $600 on the cost of their prescription drugs. And everyone on Medicare can get preventive services like mammograms for free.
  • Insurance companies must spend at least 80% of your premium dollars on health care and quality improvements and not overhead, and cannot raise your premiums by 10% or more with no accountability.
  • It's illegal for insurance companies to deny coverage to children because of a pre-existing condition. And in 2014, discriminating against anyone with a pre-existing condition will be illegal.

As chair of the White House Rural Council, Secretary Vilsack is working to ensure that rural Americans are aware of the many ways the new health care law helps them. Specifically, rural families will see improved access to care, new options for those with pre-existing conditions, coverage for young adults so they can take local jobs and contribute to their rural economies, and reduced insurance barriers to emergency services.

Here are a few components of how the law is helping rural families:

  • Encourages thousands of new primary care doctors and nurses to practice in rural communities and increases payments to rural health providers.
  • Removes insurance barriers to emergency services. Rural citizens can seek care from a hospital outside their health plan's network when there is no time to travel to a hospital that is farther away.
  • Gives options for those with pre-existing conditions and forbids insurers from using an unintentional error in your application to cancel your coverage when you get sick.
  • Gives seniors freedom to get the care they need, including free preventive care, lower cost prescription drugs, and Medicare they can count on.
  • Gives farm families the flexibility to keep children on their parent's health insurance until they are 26. Having health insurance allows young people to remain locally and contribute to their rural economies.

This FACT SHEET has more about how the Affordable Care Act helps Rural America.

In 2012, as part of a series of recommendations from the White House Rural Council, the Department of Health and Human Services and the Department of Labor signed a memorandum of understanding to connect community colleges and technical colleges that support rural communities with the materials and resources they need to support the training of Health Information Technology (HIT) professionals that work in rural hospitals and clinics. The Bureau of Labor Statistics estimates that the needed HIT workforce will increase by 20 percent by 2016.

Also due to efforts by the White House Rural Council, a memorandum of understanding (MOU) was signed between USDA Rural Development and Health and Human Services (HHS) to improve collaboration and strengthen the healthcare infrastructure in rural communities. This MOU will connect rural hospitals and clinicians to existing capital loan programs that enable them to purchase software and hardware to implement HIT.

Over the last three years, USDA has worked within existing programs to invest in rural healthcare, providing funding to improve nearly 600 rural health facilities serving more than 11 million Americans. Our programs have funded equipment - like CT scans, MRIs, ultra sound and lab equipment. Since 1974, more than 40% of USDA Rural Development's Community Facilities Programs' portfolio has been invested in rural health care facilities. Over 3 years, USDA has also awarded grants and loans to help rural health facilities serving 730 counties expand opportunities - though telemedicine - to provide advanced diagnosis for patients or to consult with colleagues at other hospitals.

The Affordable Care Act is giving rural Americans more freedom in their health care choices, lowering costs, and improving the quality of care. Learn more about the new law and how to take advantage of these benefits by visiting www.healthcare.gov.

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USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).


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