The competitive advantage from computerized medical records has been analyzed and is expected to shave millions from not only the outrageous administrative costs that have literally blown up health care costs, but also make patient care more effective. By being able to track physician and hospital care it will be easier to find out which specific treatment for diabetes for example are the best. The trick is to get the physicians to play ball.

I have two surgeons in my family, and I have talked extensively to them about health care costs, and Dr. Gabriel Loor who is just finishing up his residency has said that two surgeons can perform the same procedure, such as an appendectomy and due to their specific style of suture can literally cause a difference of thousands dollars for the same procedure.

Another facet of health insurance care costs that is difficult to quantify would of course be the fact that when an ER patient comes in with a broken leg for example, the extra tests that are run can end up showing hundreds of minor acute issues that might be serious or might be benign. Think about the body scan, which shows thousands of masses and without spending thousands of dollars in biopsies and assorted other medical tests there is no way to give someone a complete clean bill of health. A physical, a true physical anyways would literally cost thousands of dollars minimally, and much more in actuality.

Thus when someone comes in to a medical facility for a routine surgery or test it is up to the physician to investigate the results of the tests, and then to order more tests until they can honestly offer a complete healthy diagnosis. Many physicians, surgeons especially will tell you that they can’t do this, as there is not only a financial issue to consider both to the patient and the insurance company, but of course to the medical facility or hospital which loses time for other patients who are most likely exhibiting symptoms.

The medical technology issue will certainly save money as it will give the medical establishment the ability to pull up the medical records and test results the patient has already run. Duplication is of course a major cost factor in medical costs as well. However, it can be safely said that electronic medical records will certainly help medical care costs be kept in check. Will it solve our problems? Not really, as health care costs and health insurance premiums are rising so quickly that it will take more than one solution to control them. After medical records technology, we will need to work on getting more people insured as that is another cost factor.

Medicaid, the government’s health insurance program created in 1960s for low income individuals is paid jointly by federal government and states based on states ability to share the cost. Under the Senate bill, the government will pay the entire cost for Medicaid expansion during 2014-2016. After this date the cost will be shared by state and federal funds. The current bill then goes to insure that federal government will continue to pay the whole amount for government sponsored insurance program in Nebraska.

The cost of this lifetime provision for Nebraska is estimated at $100 million dollars and will not only be paid by federal government but could indirectly will be shared by other states, therefore creating inequality and imbalance among the states in the union. Historically states at certain times of duress have been able to get more government funding for programs such as medicaid, but never a major social program was funded through special incentives provided by legislation benefiting only one state.

One solution to the hurdle is a proposal that was suggests every state be allowed to cancel the expansion of Medicaid insurance after 2016 when the federal government will stop paying for the program. The negotiations continue in order to resolve the issue and are continued in order to investigate the constitutionality of the proposal.

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There are many different types of insurance that everybody should have even though we don’t often like to pay the premiums month after month and year after year.

For instance, everybody that drives should have automobile insurance, in fact the law requires it. And if you want to purchase a house but need to get a mortgage from a bank, then you need homeowners insurance. In fact, even if you don’t get a mortgage, you should probably still have homeowners insurance anyway.

Likewise, everybody should have health insurance to make sure that your medical bills will be paid for in the event of catastrophic illness or disease. This is one insurance policy you don’t want to skimp on for yourself or your family.

There are also a couple of insurances that you should have that most people don’t have including life insurance and disability insurance.

Life insurance pays your family a set amount of money if something fatal happens to you and you die unexpectedly. It’s used to make up for the loss of income that you will no longer be able to generate because you’re dead.

Disability insurance is like life insurance except that it only pays out if you become disabled and could no longer perform your job. This is especially important if you have a manual labor type job that requires your physical body to perform.

Yes, these are all insurances that you should have, but there are many types of insurance that you shouldn’t waste your time on which is good news for a lot of people. What are some of those insurances that you shouldn’t waste your money on?

Rental car insurance. Many people’s regular auto insurance covers any rental cars they might have to use, and likewise if you use a credit card to pay for your rental car it may come with its own built-in rental insurance.

Automobile medical insurance is another type of insurance you probably shouldn’t waste your time on. If you’ve already got health insurance there really isn’t any reason to differentiate between car accidents and regular access.

Credit card insurance is another one you shouldn’t waste your time on. This is specific insurance to make sure you aren’t held liable if somebody steals your credit card and starts spending money on it.

Credit cards usually have a limit of around $50 that you are liable for if somebody steals your card. That means if somebody steals your card and starts charging thousands of dollars, you may only have to pay back $50 and most of the time you can get that waved as well. I’m pretty sure it’s a law.

So there you have several types of insurance that you shouldn’t waste your money on. Definitely make sure you’re covered for the first few that I mentioned though.