What Will the New Economy Bring For Healthcare? | Healthcare

As of September 18, 2009, the healthcare reform bill, HR 1495, was still in committee. Once it is out of committee, it goes to the House and Senate for vote and then to the president for signing. Just because it is signed, doesn’t mean that it immediately goes into effect. Some of the mandates of the new bill require private insurers to comply with new rules and regulations that are set by the reform bill. One can only guess how well that is going to go over. The real issue at hand, as is with many bills, is how much will it cost? Not only in terms of actual cost to individuals desiring some form of healthcare, but in terms of taxes and burdens upon tax payers?Currently, an estimated $500 million in new taxes are anticipated to cover the healthcare reform. Whether or not this is the actual number, the reality is that covering the healthcare costs of tens of millions of Americans is not going to be cheap. The Obama Administration is already spending money at an alarming rate. Can we really afford this plan? and yet, can we not afford it?I can tell you that my own predicament is having to afford healthcare for my own family. I want the best care, but at a reasonable rate. When it costs almost $800.00 a month to pay for my family, I wonder what the federal alternative will be? Will it be less for the same care? Or will it be an HMO nightmare where I can’t get in to see a doctor for weeks on end. Will mental health be covered? What will it cost me as a clinician in terms of being paid for the services I provide? It’s already difficult understanding how insurance companies justify what my pay should be, and at such low amounts!!Balancing both sides is difficult. I should be paid well enough to support my family, yet I don’t want to be robbed when trying to get healthcare coverage. This is where private industry can step up. Healthcare shouldn’t cost so much to meet the needs of patients. Without going into great detail, healthcare companies have very much figured out how to “pool” their members to avoid a catastrophic trend of insurance claims that would bankrupt them. Therefore, why does it cost so much? Employers already bear much of the burden for their employees when contributing towards their insurance premiums. The answer seems pretty obvious to me: The current insurance companies are top heavy.When greed is factored into the cost of insurance, then it becomes a problem when considering the moral value of insurance and healthcare. Corporations have a duty to benefit the stakeholders of their organizations. This is in direct conflict of providing affordable healthcare because it makes moral sense. To dramatically offset the corporate greed, government feels it needs to step in. Unfortunately, the government can’t see the forest among the trees. They are so worried about those who are lost among the forest that they lose sight of the bigger picture: Providing healthcare without burning down the forest. Until corporate governance can limit executive pay and until government can limit the waste in spending, neither option is the best option. Why not have a healthcare system that is subsidized by government, but only to the extent that it limits the cost to those who are uninsured, and therefore, limits the pay to upper management in order to avoid a top heavy system?At some point, a pendulum must meet it’s center. The new healthcare reform seems to be at odds with the current healthcare system. The current healthcare system provides the best medicine in the world. It provide efficiencies that make processing insurance care easier, faster, and less expensive. Medicare should be a forewarning to us about how the government will manage this system. It’s slow, burdensome, and has more holes than Swiss cheese that allow for abuse.As a clinician that constantly battles with insurance carriers over payments, processing of claims, and meeting the needs of my patients, I can say that the system has become easier, faster, and more user friendly over the past couple of years….and it doesn’t take over 1000 pages to accomplish this.The bottom line is that healthcare reform isn’t going to happen anytime soon. It isn’t going to happen cheaply. So before everyone jumps on the bandwagon, take a moment to think twice about where you are in your current coverage and lobby for a cooperation between private and government healthcare, instead of government run healthcare.

What Is The Average Web Designer Salary? | Web Design

People today may take websites for granted. As long as they can click on links, read the content without any complication, and otherwise browse the site at their leisure, they may not give much thought to a web page’s actual design. However, every website entails intricate designing that would not be possible without the talents of a web designer.Web designers are crucial to the Internet’s longevity and reach throughout the world. They also are vital to a relevance of any business, organization, or person who wants to maintain an online presence. With that, the industry of web design, as reported by the Bureau of Labor Statistics, is expected to grow by 20 percent in the next decade, a rate that is much faster than average when compared to other industries. In fact, more than 28,500 new jobs will be created between now and the year 2022, joining the already 141,000 design jobs in existence.Moreover, the 141,400 already working today earn on average a web designer salary that averages more than $62,500 a year, or $30.05 per hour. This figure can be higher or lower, depending on whether or not a designer works as an employee or as a freelancer. Even so, the average salary stands at more than four times the national minimum wage of $7.25 per hour currently being offered to entry level workers in other industries. When people are interested in working in an online arena that will utilize their design talents, as well as allow them to earn lucrative salaries, they may consider joining the job market.Freelance Web Designer SalaryUnlike employees, freelance web designers arguably have more control over their earning potential. If they establish themselves as legitimate designers and accrue a solid client base, these individuals can set their own rates and work as much or as little as they choose. In essence, they can determine how much money they make on any given day, let alone each year, by working as freelance designers rather than as company employees.However, as with any freelance career, these individuals face the challenge of actually establishing themselves in a market that is competitive and fast-paced. If they do not put any effort toward building a base of clients, they may earn very little, if anything at all during their initial start-up phase. Once they begin picking up steady clients, freelance designers have the potential of earning web designer salary ranges that go from as little as $20 an hour all the way to $40 an hour or higher. In fact, as the Houston Chronicle notes, it is not unusual for freelancers to earn $50 an hour for a single client’s project. In contrast, people who work as employees in the industry earn about $20 less an hour than their freelance counterparts.Freelancers also can add to their earning potential by charging extra fees for details like expedited deadlines or more in-depth work that requires more time and effort. They also can recoup the costs of their travel and work expenses if they choose. However, many clients appreciate being told these additional costs upfront or even being given the chance to negotiate a fair price, something that is not usually done when working with employees of a web design company.Graphic Web Designer SalarySimilar to web designers, graphic designers are tasked with making sure that a website is creative, engaging, and usable. However, these professionals are also typically in charge of making sure the actual graphics of a site are functional and that the website builds a personal or corporate brand as it should. Because these individuals often put the finishing touches on a website before it is released for public use, graphic designers, particularly those who utilize computer animation in their line of work, earn a bit more than those who are just starting out in this field. The average graphic designer salary currently stands at $76,279 per year.Moreover, graphic web designers are often compensated for the level of professional training they bring to their positions. In fact, people who plan to pursue this aspect of web design often are expected to obtain undergraduate degrees in graphic web design from an accredited university or college. Many employers expect people to earn a four year degree rather than a two year associate’s degree or certificate.Some of the classes that these designers are advised to take and complete successfully include computer animation, architecture or drafting courses, as well as classes that teach them programming language like HTML or JavaScript. These complex qualifications typically make them more than suited for a career in web design, but more specifically suit them for a career in graphic web design. They can expect themselves to be compensated with salaries that are higher than those offered to entry level web design professionals who perhaps are not trained to utilize computer animation and other detailed skills.