February 2014

Useful App – Healthspek (Personal & Family Health Record)

Healthspek is your own personal health record. And your family’s too as you can add each family member for a complete record. Healthspek allows users to see their own personal health care information.

The home screen is the customizable ‘myDashboard’. – Select any member to track their conditions, refill meds, track lab results, record immunizations, allergies, supplements, procedures, and family history. Records reside on your iPad and is stored securely on Healthspek’s cloud-based servers. Lose your iPad, you’ll never lose your chart.

  • myProfile – A section for reference information – personal profiles.  Add personal information, doctors, insurance and emergency contact.contact.
  • Medications – store entire medications list, current and past. Manage medications with med reminders and automated refill alerts.
  • ChartNow – Portability, readily accessible, displayable on any browser (real time access for you, your doctor), email records, etc…


Recognized by Health Informatics Nurse Blog as a Top Pick and Tab Times as a 5 best iPad apps for medical and health care.

New features are being added regularly.


National Flood Insurance Program Provides Crystal Ball into Obamacare

The National Flood Insurance Program (NFIP) is in deep financial trouble. Rates have not been calculated based on sound actuarial principals. – The solution (according to FEMA), stop subsidizing premiums on flood-prone properties that file the kind of large claims — sometimes repeatedly — that have left the National Flood Insurance Program in the red.

Obamacare, The Affordable Care Act (ACA), is headed for deep financial trouble. Rates have not been calculated based on the true actuarial assumptions which healthcare costs will be subjected; i.e. underwriting is limited to age, geography, family size and tobacco. – The solution, stop subsidizing premiums for attainable health measures. – How? Allow underwriting based on “wellness,” i.e. Are you controlling your controllables; blood pressure, cholesterol, BMI, smoking/nonsmoking, blood sugar levels?

Healthcare Reform Update – ‘Pay or Play’ Delayed Until 2016

Large employers with fewer than 100 Full-Time Employees got some good news. The rules for employers with at least 50 full-time employees provide transition relief with respect to all of 2015 and, for non-calendar plan years that begin in 2015, for the portion of that 2015 plan year that falls in 2016.

Key points to the ruling include:

  • Employers with fewer than 100 workers won’t have to provide health insurance until 2016
  • Larger firms have to cover at least 70 percent of the workforce starting next year.
  • Employers with fewer than 100 workers will have to certify to the government that they haven’t fired workers to get under the threshold and qualify for the delay until 2016. They also must certify they won’t drop health plans they already offer.
  • Among other exemptions, employers won’t have to cover seasonal workers, those employed less than six months.

These regulations phase in the standards in an attempt to ensure that larger employers either offer quality, affordable coverage or pay a penalty starting in 2015 to help offset the cost to taxpayers of coverage or subsidies to their employees.

Stay tuned, I’m sure we’ll see more changes.

Useful App – 3in4 Need More

Odds are that more than a few of us have had to deal with a family member, immediate or extended, who has required assisted living needs. Maybe they had to research specialty doctors, care centers or care providers; possibly for a member living hundreds of miles away.

The 3in4 Need More is a nonprofit organization dedicated to raising awareness of the importance of planning for ones long term care needs. It is exclusively dedicated to promoting the importance of planning for long term care needs. The website www.3in4needmore.com has an information center with informational websites, telephone hotlines, calculators, information about long-term care coverage, a planning guide and finding a senior living community.


3in4 iPhone demo

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