Are You a Small Business Owner

As a small business owner you have many things to think about on a day to day basis.  But how often do you think about health care for you and your employee’s?  With health care insurance cost rising at such a high rate, it is becoming harder to be able to afford to offer health care benefits.  Unfortunately the trend on rising cost does not appear to be slowing down.  It is now estimated that 30% or more business’s are saying they will stop offering employer based health insurance to their employee’s in the near future due to the rising cost.  The Kaiser Foundation show the cost in 2011 to average over $14,000 per year per employee, for  family coverage. 

So as a small business owner what do you do?  You want to be able to offer employee benefits, but can you afford to keep doing it?  You do have options, you can drop health care as part of your benefit package, you can increase the employee share of the cost, are you can become creative, an find different combinations of programs to offer your employee’s.  There are several combinations available to you. 

1)      Go with a high deductible healthcare insurance with no dr. co-pay or any other add one’s, which will lower your cost.

2)      Add a discount program to it to lower the Dr. Visit cost.  With Dental, Visions, Rx, ECT. (you could let the employee pay for this thru payroll deduction)

3)      Enroll in an HRA program which would allow you to cover some of these costs for your employee (with a reimbursement arrangement) and use it as a tax savings for your company.

4)      Offer an accident plan to your employee’s that would pay per covered accident.

As you can see there are options that you can use.  JE Health Care Solutions can assist you with finding the right options.  We represent different companies such as Renco Direct, NACD (National Association of Consumers Direct), BaseHRA, and many others.

We at JE Health Care Solutions are here to work with you and your employee’s.  

The main thing you need to do as a business owner, is find out what programs will work for you and that you can afford.  By offering benefits to your employee’s you will be able to keep them.  

Doctor Outraged After Recommending a Drug (That You May Be Taking)

Once again Dr. Mercola shows that the Drug companies will do what ever they want to to sell their products.  This is why you need to educated yourself.  With today's healthcare delivery system Doctors don't have or take the time to find out if a drug is truly effective or not.  They are relying on the drug co. reps. to give them information and this article shows that you can not always trust that the information is correct.

This is why I write this blog, because we at JE Health Care Solutions what to try and get as much information as possible to you so you can make informed decisions about your health care.  Once again I would love to here from you if you have questions are suggestions of how I can improve this blog. 

With the different programs we can offer you, we can help you get the health coverage that fits your needs and budget.  With programs such as Renco Direct and NACD as well as many others.

Chiropractors and Naturopaths - Are They Dangerous?

Another great post by: Dr. Mercola | December 30 2011 

The medical profession has a long history of opposing alternative healing professions.

While always claiming public safety as its reason for the attacks, the true reasons often involve protecting their monopoly of the healthcare market.

Medicine's opposition to chiropractic was its strongest under the leadership of Morris Fishbein, Secretary of the American Medical Association from 1924 to 1949, who led a 50-year anti-chiropractic campaign in both professional publications and the public media. Read the full article here.

This is part to the problem with healthcare in America today.  The same group that has helped cause the problem still want to control your healthcare.  This is why  Renco Direct includes Chiropractic Care and 35 different practitioner disciplines such as Holistic Medicine, Acupuncture, Nutritional Counseling, Massage Therapy, and many others.  We here at JE Health Care Solutions and AJ Web Marketing believe that any way we can help you take back control of your healthcare makes all of our efforts worth it.

We at JE Health Care Solutions and AJ Web Marketing want to wish you and yours a Happy and Blessed New Year.

The Drug Companies New Profit Weapon (Re-post of article by Dr. Mercola)

I started this blog to inform and educate about the crisis that our health care delivery system is in.  Please understand that I am not saying business should not make a profit, because that is what business is suppose to do so they can create jobs.  What I do have a problem with,  is companies doing in my opinon unethical or at the very leased highly questionable practices that endanger people's lives.  The following article by Dr. Mercola : The Drug Companies' Newest Profit Weapon to Steal Your Money is a major case in point.  As I pointed out in my e-book Health Care Delivery System in America Has Failed (Download your free copy here) The Drug Industry takes a big part of your healthcare dollars.  I think this article makes a strong case for taking back control or your and your family's healthcare.  This is what we at AJ Health Care Solutions is here to help you do, with our Renco Direct and NACD and other programs we can help you take back control.

When you think about all the adds on TV, Newspapers, and every where else for the next wonder drug that is suppose to take care of this or that medical problem remember they are not saying that it is a cure, because it only treats the sympoms.  There is no money to be made if it will cure the illness.  When is the last time you have heard your doctor talk about a cure?  Just think who controls the FDA, how many people that are in lead positions in the FDA come from or go to work for the drug companies. 

If we as healthcare consumers don't start questioning these things and become educated about the healthcare system we will never get back control of our healthcare, nor will cost be brought under control.  The information is out there, you just need to start doing your own research and find it.  This is one of the great advantages we have with the internet today.  

HHS Gives States Flexibility On Health Law's 'Essential Benefits'

This just in from Kaiser Health News.  Thought you would like to Know.  Remember if you can't get or can't afford healthcare insurance, JE Health Care Solutions is here to help with possible solutions.  Our programs with Renco Direct and NACD can give you control of your medical treatment and cost of your medical care.

Health Costs A Key Worry For Those Nearing Retirement

This is an excellent article by Jessica Marcy posted on Kaiser Health News.  It shows the concerns of people near retirement and how important healthcare cost are to them.  JE Health Care Solutions is here to help anyone who has this concern.  We can offer several programs that will help deal with these issues.  With our programs thru Renco Direct, NACD, and others, we can help you build an affordable program that will meet your healthcare needs.

Americans express changing expectations toward retirement, with near-retirees feeling significantly more anxious than those who’ve already left the workforce about whether their income and savings will support them into their golden years. Those approaching retirement feel most concerned about whether they will be able to pay for their health care as they live increasingly longer, according to a poll released Thursday.

To read the complete article  Click Here

Why Renco Direct Calcium Bentonite

Renco Direct brings you the finest Calcium Bentonite in the world. We use 100% naturally pure Calcium Bentonite Clay -- never processed.

It's a rare desert healing clay that has been protected from leaching by the climate by the last remaining sub-surface mine in California (near Death Valley) . It has been used for alcoholism, arthritis, cataracts, diabetic neuropathy, pain management, open wounds, diarrhea, hemorrhoids, stomach ulcers, animal and poisonous insect bites, acne, anemia, heartburn, and the flesh eating virus. In fact, the list of uses is too long for one page. 

About Calcium Bentonite Clay

Calcium Bentonite Clay is an all natural calcium dominant Bentonite clay with Montmorillonite properties from the Smectite family of clays. Unlike other clays, only Smectites can both absorb and adsorb. Characterized by its expandable properties, Calcium Bentonite is considered a green swelling clay recognized for its effectiveness in drawing out impurities and toxins.

Created from volcanic ash rich in trace minerals, this ultra pure, all natural and carefully selected clay is the preferred choice for clay baths, detoxing, clay facials, clay scrubs, clay body wraps, and more.

Every piece of clay retains a considerable amount of energy from the large and powerful magnetic entity of the Earth from the volcanic eruption - its negative ionic charge. This electromagnetic action transmits an extraordinary strength to the body's cells and helps to rebuild vital potential through the liberation of latent energy. The body has great energy resources, which normally remain dormant; clay awakens them and speeds cellular revitalization. Calcium Bentonite is a powerful agent of stimulation, transformation, detoxification, and transmission of energy.

This rare, natural desert clay, obtained from a sub-surface mine in California, has been protected from leaching by the climate. In addition, this particular clay deposit was sealed away and isolated from the natural elements by a cap of zeolite minerals for forty-three million years.

Because its adsorptive properties have not been compromised by air or ground water contaminants, this highly-charged, all-natural Calcium Bentonite clay has a drawing power 33 times its molecular weight. Its extremely strong adsorptive and absorptive properties make it ideal for use in deep cleansing, detoxing, clarifying of the skin, facial masks, body wraps, and many other uses. It is milled to a 325 screen mesh to provide a smooth, creamy, less gritty texture.

Calcium Bentonite Clay supplies the purest, most effective clay available today. Characterized by its unique expandable properties, this green swelling clay has a greater capacity to draw impurities and excess oils from the skin, as well as to detox and bind with toxins. We are very pleased to be able to offer it to you in all of our products. You can't buy a more potent clay from any other source in the world, and therefore, it is the ONLY clay we will use in our products. We settle for nothing less than the BEST for our customers!

Unique Properties of Clays French Naturopath Raymond Dextreit is the most famous and most experienced clay therapist known in the history of the world. The following is an excerpt from his book, Earth Cures. Dextreit wrote, "One of clay's peculiarities is based on its physical-chemical domination. From a thermo-dynamic point of view, we must admit that clay cannot be the sole source of energy of the phenomena it produces. Clay is effective through a dynamic presence far more significant than a mere consideration of the substances it contains. It is a catalyst rather than an agent in itself. This is possible because clay is alive - 'living earth'."

Adsorption and Absorption

The two words are similar but their differences are fundamental to understanding how clay minerals function and how clay works. Clays that have the ability to absorb and adsorb are called "Living" or "Active" clays, because they are capable of changing and exchanging. Adsorption describes the process by which the charged particles of other substances combine with the charged particles on the outer surface of the clay molecule.

The positively charged ions are attracted to the stronger negatively charged surfaces of the clay molecule. An exchange reaction occurs in which the clay mineral ions are swapped for the ions of the positive charged substance. The clay molecule is electrically satisfied and binds with the substances capturing them.

Absorption is a slower and more complex process. All absorbent clays have a charge on their inner layers. This means that charged ions sit between the layers of the clay molecule surrounded by water molecules. The expanded clay attracts foreign substances that are absorbed and fill the spaces between the clay molecule's stacked layers. Absorbent clay will absorb positively charged ions and impurities and ignore negatively charged nutrients.

On a molecular level, Robert T. Marin, a mineralogist at MIT, points to Bentonite's minute particle size that creates a large surface area in proportion to the volume used. "The greater the surface area, the greater its power to pick up positively charged particles of ions." Mr. Marin stated that one gram of clay has a surface area of 800 square meters. That equates to about 8 football fields in size. Thus, the greater the surface area, the greater the power to pick up positive charged ions many times its own weight. Swelling clays of the right mineral composition have a great potential for absorption.

The pH of our Calcium Bentonite is 9.7, and thus it acts as an alkalizing agent for the body. The pH scale goes from 0 to 14, with 7 being neutral. Below 7 is acid and above 7 is alkaline. Because of clay's homeostatic abilities, it helps balance the body's pH level. It naturally creates balance. Clay baths are increasingly popular for detoxing, cleansing the skin, and balancing the body's pH levels.

Calcium Bentonite was carefully evaluated and selected as our premier clay for its superior qualities.

GRAS and organics
All CB/M compounds are considered GRAS (generally regarded as safe) by the FDA for internal and external use. Moreover, CB/M is also one of only a few minerals that the USDA allows to be added to foods labeled "organic". Pure Montmorillonite is listed as "safe" by the Cosmetics Industry Review panel, its highest designation. It is a completely natural, inert silicate with many beneficial properties. We are proud to provide this exceptional clay to our customers. For a guide to understanding clay and its uses and applications, we recommend the book Living Clay by Perry A.

What Options are there to Meet Your Health Care Needs

In part 3 of this series I want to give you some options you can use to control your healthcare and the cost.

OPTION 1 

Pay cash for your regular doctor office visits

 Find a program that lets you pay cash for your doctor visits at an affordable price. That is where Renco Direct comes in. With this program you become a member of Renco and this will allow you to pay the discount PPO rate that the insurance companies have been using for over 50 years. This works both for you and your Doctor. You pay the discount PPO allowable at the time of your visit and the Doctor does not have to file a insurance claim and wait for his money. This is a win - win situation for both you and your doctor. Also medical decisions are based on your medical needs and not what an outside agency be it government or insurance company decides is best for you or your family. Because this program is a non insurance plan no one is turned down due to pre-existing conditions, and no one is going to deny or delay your treatment. Since you are not filing insurance claims your medical care is you and your doctor's business and nobody else.

 The Renco Direct plan also concludes many more savings programs, such as Prescription discounts, Vision, Dental, Consult a Doctor, Chiropractic Care, and much more.

OPTION 2

Combine Programs

The Renco Direct program works well if you have existing healthcare insurance policy that you like and want to keep, if you could get your rate lower. By increasing your deductible to say $7500 or even $10,000 which will reduce your cost, and using Renco for your regular office visits and having the health insurance policy to take care of the major problems.  Remember your policy most likely has an 80/20 split once your deductible has been met. 

With the Renco program after your insurance company has paid what they are going to pay you would get a final bill from the hospital.  You would then send that to Renco and they will negotiate with the hospital and get you the discount on the balance. 

Remember the main thing is to get quality health care that you and your doctor decide is best for you, and not have an insurance company or the government making the decision for you.  

OPTION 3

Combining The Renco Direct program with an accident policy such as NACD offers that can give you up to $10,000 for each covered accident.  This is an open enrollment  program, which means every body can get this program even with pre-conditions.  Another option is to pick up a policy such as Aflac which pays cash to you.  These programs work quite well with Renco Direct.

Option 4

Another option is to add a Critical Care policy to your Renco Direct program.  This covers the big Illness, such as cancer, heart attack, stroke, etc.  Taking this approach, you are prepared for the big problems while handling the small problems yourself and cutting your healthcare coverage cost without giving up control. 

You can use any one of these options or combination of them to achieve both control of your healthcare as well as the cost.  

As a business owner who wants to give their employees benefits but can’t afford the high cost of healthcare insurance these same options will work.  You can also set-up a HRA program that you can use to help with your tax situation.

For more detailed information on these programs or others please contact us at jehealthcaresolutions@gmail or on our web site http://jehealthcaresolutions.com or you can call 865-357-3379.

JE Health Care Solutions Announces it's Association With NADC

We at JE Health Care Solutions or proud to announce our association with National Association of Consumers Direct.  NACD gives us low cost healthcare options to our clients.

Advantage MembershipSM

Featuring Consult A Doctor

·                                                Emergency Notification Service

·                                                24/7 Medical Consultations by Phone or Email - $38 consultation fee is waived!

·                                                Consumer Savings Program

·                                                Only $4.95 per month

Protection UpgradeSM *

Featuring Accident Medical Expense Benefits

·                                                Up to $10,000 of accident medical expense benefits for you and your family

·                                                Up to $50,000 of AD&D

·                                                Health and Fitness Resource

·                                                Starting at only $20.00 per month!

Secure UpgradeSM *

Featuring Critical Illness Benefits

·                                                Critical Illness lump sum benefit of up to $25,000 for you and your spouse

·                                                Sign and Drive Roadside Assistance program for you and your family

·                                                Starting at only $25.00 per month!  (Not available in all States)

Optimum UpgradesSM *

Featuring Vision & Dental Options

·                                                $10 copay for eye exams!

·                                                $130 allowance for contacts or frames!

·                                                NACD's Nurse Hotline included

·                                                Dental Indemnity option available

·                                                Starting at only $11.00 per month!

*MUST BE ENROLLED IN THE ADVANTAGE MEMBERSHIP PROGRAM.

For more details about these programs just click on the NACD banner on the right hand side.

Once again let we state how proud we are to be able to offer this program to our clients.

By combining the Renco Direct program with NACD we can offer great health care programs at an affordable cost for you and your family.

Health Leaders Prepare For Round Two Of Cuts - Kaiser Health News

Health Leaders Prepare For Round Two Of Cuts - Kaiser Health News

Here is an interesting article concerning health care cost and the national budget. If you notice they keep trying to fix a health care delivery system (third party payer).

The answer is the people taking control of there healthcare and stop wanting someone else to pay for it. If someone else is paying for something then they will control what service you get. This is the biggest problem we have now.

One way to do this is look at program such as Reno Direct which gives you control of your health care and the costs.

Renco Direct Makes Major Upgrades to Healthcare Program

Well here it is the new and improved Health Care Savings program from Renco Direct.  Direct Concepts Healthcare that had been the program of parent company Renco Direct is now Renco Direct.  

The improvements are many!

“Consult A Doctor” which gives you access to a Doctors 24 hrs 365 day a year by phone or internet (there is no cost).  Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate.  He will call in your prescription to your pharmacy.  Never wait for a doctor again!

We now are with Aetna Dental for our Dental plan

We are now using BEECH STREET PPO along with GALAXY.

Toll-free telephone counseling service and referrals to a               nationwide network of professional counselors and resources.

Long Term and Elder care.

Care Management Associates are available 24 hours a   day, 7 days a week, to provide assistance with elder care concerns, answer long-term care questions and help locate local assistance.

Comprehensive website that offers features such as skill sheets, condition research, caregiver advice, two minute test, care giver tools, resource finder and member reports.

 3,500 nurses and social workers provide telephonic and in-home      evaluations (for an additional discounted hourly or package fee).

Medical Health Adviser

Navigate the healthcare and insurance systems

Find the best doctors, hospitals and other providers

Resolve insurance claims and billing issues

Save time  and money on healthcare bills

Locate and research current treatments for a medical condition

Explain test, treatment and medications

Health Cost Estimator — a pre-service pricing decision support tool

Medical Supplies

 Save 20% to 50% and receive a $5 discount on orders of  $100 or more

Toll-free and online ordering for convenient home delivery on a wide range of health and wellness products.

 Pet Care

      Yes we now offer a pet care program that will save you 25%on your Vet visits and 5% to 35% on other services and supplies.

The best part of the upgrade is that you can now purchase the entire program for the same $88 dollars per month per family or just purchase the part that meets your needs. 

The Following is how the programs cost break out.

Med Plus: $30.00 per month per family:

Includes:  Hospitals, Doctors, Ancillary services,  and Medical Health Advisory.

          

           Dental Plus: $28.00 per month per family:

 Includes:  Dental, Vision, Pharmacy, Hearing, Alternative &     Chiropractic, 24 hour nurse hot line, Durable Medical Supplies, Travel Assistance, Prescription Care.

          

           Extended:  $30.00 per month per family:

Includes:  Consult a Doctor, Pet Care, Vitamin and     Diabetic supplies, Long Term Care, Renco Health and Beauty.

TOTAL COST For All Three programs is still $88 per month per family.

      

       A free Prescription discount card is included with all 3 packages.  We also still have the Rx aid program for people on the High Cost prescriptions.

Renco Direct has also added a totally new program called: 

Lifestyles:  $11.95 per Month per family:   

Includes: Legal Services, Roadside Assistance, Dining Discounts, Recreation Discounts, Golf Savings,    

Hotel Savings

More states are being brought on board with our programs:

FL,  UT, and Ks will be up in the next few weeks.  The only states we will not be available in will be WA and Vt.  That means we will be available in 48 states.

We here at JE Health Care are extremely excited about these major upgrades to the Renco Direct program and look forward to helping you meet you and your family health care needs.

To get more details about our program go to the Contact Us button enter your information and be will get back to you as soon as possible.  Or call 865-357-3379 or go to http://rdhc.jehealthcaresolutios.com

Renco Direct Making Major Upgrades to Healthcare Program

Renco Direct the parent company of Direct Concepts Healthcare will be making major improvements to their healthcare program.  The addition of several new programs will enhance our program making it the best alternative to high cost health care insurance.

Stay up to date on these upgrades to our program by Subscribing to our blog.

Renco Direct Business Opportunity

Jo Anne and I have spent the last 2 years looking for the right business opportunity, we finally found it with Renco Direct.  This is a company that has the right products at the right time.  With our Health Care in such flux, this company offers a program that works for everyone.

  As or CEO says:

"If you will take the time to read to the bottom you will find that this is the day that your financial future finally changes! I dare you!"
-Ren Schuffman, CEO Renco Direct, Inc

Renco Direct offers you one of the most lucrative compensation plans available today. Renco gives you a chance to change your financial status and live the life you want. This is not a get rich quick scheme, but a real financial opportunity to improve your life and the lives of those who desperately need our programs. Even those that don't buy from you can make you a substantial income -- really!

How would you like to be your own boss? How would you like to have your own website to sell, or just help people use products and services that not only people want but people need? How would you like to know that you will earn residual income on sales for a lifetime, and what if you could actually get started without it costing you a single penny? What if we told you that you even get a free website

At Renco Direct we believe you shouldn't have to pay up front for an opportunity to create income. Other companies charge $400, $500 or even a $1000 or more for you to get started marketing their products and services. Ask yourself, if they have such great products and such an easy way for you to create income, then why do they need to charge you an initial fee to get started? The truth is they don't have the products, but Renco Direct does!

Still not convinced? Don't fall into the trap!

Look at the world's most successful affiliate companies: Mary Kay, Avon, Amway. They all sell basic products, beauty, and house wares. They all charge $100's in sign-up fees and forced product purchases, and they all are billion dollar companies. MOST ARE PREDATOR COMPANIES, companies that make money by preying on your hopes and dreams of making an income. They don't care if you succeed because you already gave them money. Don't fall in their trap! Renco Direct does not charge to be a representative, does not force you to purchase products, and gives you more than just the typical products.
Work the hours you want when you want. There is no commuting back and forth to a company office everyday. Work from your own home or your own office. If you get sick or take a vacation, your residuals will be there.

What other opportunity allows you to give yourself a raise each and every time you do your job? Renco Directs opportunity gives you a residual that increases your income every time you bring in a new client or customer through monthly programs or through continuing orders of products month after month. Renco also rewards you each time you help to bring a new "business partner" into your team. In other words, you are allowed to recruit and to earn income on personally sponsored recruits. All of this is at no risk, no money out of pocket. Could you ever build a website, manufacture your own products, and have marketing tools available for no cost to you?

There has NEVER been an opportunity like this! Don't make the mistake and pass it by. Sign up today!

Name Brand Prescriptions $20 per month per Prescription

If you make less than $21,000 to $88,000 per year you could qualify!

Are you taking high cost Prescriptions.  You may qualify for this program.  It is based on income.

Qualifying income limits vary from less than $21,000 to $88,000 depending on the Medication, number in family and pharmaceutical company.


To see the top 250 most commonly taken medications in the program, how the program works and to see if you qualify, go here

Renco Rx Aid Program offers you access to mail order name brand prescription programs offered by major pharmaceutical companies which disburse prescription drugs in the United States. In essence, these programs offer free brand name drugs to people who cannot afford their ongoing prescriptions. Each program has its own set of policies and guidelines in order to qualify for assistance with prescription drugs, i.e. Merck and Pfizer each have separate distinct plans. Each pharmaceutical company has different procedures for acceptance.  It is extremely difficult for the average American citizen to complete the required paperwork with a high degree of accuracy. Because of the 'paperwork hassle,' many American citizens fail to qualify for the medication. That is where Renco Rx Aid comes in!

Renco Rx Aid has a very knowledgeable staff that understands each pharmaceutical company's guidelines and knows how to work with the patient, the doctor, and the pharmaceutical company. We use a sophisticated software program that helps ensure each client is properly enrolled in the prescription assistance programs to receive their medications from the pharmaceutical companies. At Renco Rx Aid the service of helping American citizens obtain prescription medication is our top priority. Whether you are a big corporation, small business or an individual Renco Rx Aid is here to help you and we do it for just $20 per month per prescription! 

At Renco Rx Aid we act as the Enrollment Counselors on your behalf. We check with the appropriate manufacturer for availability and requirements.  We complete the paperwork, work with each patient to verify prescription(s) information, we send the paperwork to the manufacturers, we track the paperwork and resolve any problems should they arise, including denials. In short we manage and handle the entire refill order process for each one of your ongoing prescriptions.

Who and What is JE Health Care Solutions

My name is Andy Edley and my wife's name is Jo Anne.  We are just regular folks who found ourselves, like so many other Americans, without jobs or health care insurance.

Jo Anne got laid off due to downsizing at the company she worked for.  She has worked as a bookkeeper for over 20 years.  The job market was dead and no one was hiring.  After almost 2 years of looking and applying for a position in her field, she decided to take the courses and get her Life and Health Insurance License here in Tennessee.  I got laid off from my job due to the company closing.  These were hard times for us but we kept looking for jobs.  We also had to find health care that we could afford. 

After Jo Anne got her license, we begin looking for ways to build her business as an Independent Agent. While doing this, we came across a company named Renco Direct.  It is an alternative health care program.  It is not insurance but an affordable alternative. This program allowed us to not only to have affordable health care but also a way to build a business.  I hope this blog will help people who find themselves in the same position that we were in.