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Exam Code: MSNCB MSNCB Medical-Surgical Nursing Certification test plan January 2024 by Killexams.com team

MSNCB MSNCB Medical-Surgical Nursing Certification

Our affiliated professional association, the Academy of Medical-Surgical Nurses, offers the Medical-Surgical Nursing Certification Review Course. It is a 2-day course designed for nurses preparing to take the Certified Medical-Surgical Registered Nurse (CMSRN®) Certification Exam.



In order to meet the varied needs of nurses and facilities, AMSN offers the course in a number of live and independent study formats, including bringing it to your facility or accessing it through the AMSN Online Library.



An alternative to nurses preparing for the CMSRN test is the Focused CE Series, a collaboration between AMSN and nurse.com. The Focused CE Series is a blended learning model that combines weekly online CE course readings, weekly live webinar presentations, and an online forum for information exchange and networking with peers.



1. Helping Role

- Maintain an environment in which patient confidentiality is assured.

- Assess patient's level of comfort/pain.

- Act as an advocate to help patient meet needs/goals.

- Acknowledge, respect, and support emotional state of patient and/or family as they experience and/or express their emotions.

- Assist patients to achieve optimal level of comfort, using an interdisciplinary approach.

- Modify plan of care to achieve patient's optimal level of comfort, i.e., pharmacological interventions, heat, cold, massage, positioning, touch, etc.

- Provide a therapeutic environment, considering privacy, noise, light, visitors'/providers' interaction with patients.

- Provide culturally competent patient care, including education.

- Support family involvement in accordance with patient's wishes regarding caregiving and decision making.

- Assess for potential for self-harm.

- Identify need of patient/family for support systems/resources and make appropriate referrals.

- Work on behalf of patient/family to help resolve ethical and clinical concerns.

- Coordinate care across multiple settings.

- Identify, acknowledge, support, and facilitate patient/family decisions regarding end-of-life care.

- Identify signs of domestic or intimate partner violence.

- Assess and provide for spiritual needs of patients and families.

- Identify ethical issues in clinical practice and facilitate a resolution with patient, family, and staff.



2. Teaching/Coaching Function

- Assess the patient's and family's readiness and ability to learn.

- Identify barriers to learning.

- Prepare/educate patient for transition in care, e.g., discharge to home or other facility.

- Provide information and rationales related to diagnosis, procedures, self-care, prognosis, wellness, and modifiable risk factors.

- Utilize opportunities for spontaneous education.

- Encourage patient's and family's participation in establishing educational goals.

- Develop and implement an individualized teaching plan for patient and/or family.

- Evaluate and modify teaching plan based on achievement of pre-established and ongoing learning needs.

- Assist staff in identifying educational needs of patients and their families.

- Assist staff in selecting/developing educational materials appropriate for intended learner(s).

- Teach patient and family about available community resources.



3. Diagnostic and Patient Monitoring

- Conduct and document a comprehensive baseline assessment.

- Anticipate patient's response to treatment and monitor for potential problems.

- Reassess patient based on established standards of care at appropriate intervals.

- Interpret results of laboratory and diagnostic studies and take appropriate action.

- Use invasive and non-invasive methods to collect data.

- Analyze all patient data in formulating a plan of care.

- Participate in medication reconciliation at transitions of care.

- Anticipate the patient's response and needs related to physiological, psychosocial sexual, spiritual, and cultural aspects of his/her illness.

- Prioritize identified problems and modify the plan of care to achieve the best possible outcomes.

- Develop an individualized plan of care congruent with patient goals.

- Identify purpose and appropriateness of diagnostic studies.



4. Administering and Monitoring Nursing Interventions

- Administer medications accurately and safely.

- Identify subtle changes in patient's assessment to prevent deterioration of patient status.

- Assess patient's level of consciousness.

- Monitor patients for therapeutic responses, reactions, untoward effects, toxicity, and incompatibilities of administered medications.

- Implement measures to ensure adequate oxygenation and gas exchange.

- Monitor and implement measures to prevent alterations in skin integrity.

- Initiate, maintain, and monitor intravenous therapy.

- Identify, document, and report deviations from expected findings.

- Monitor for signs and symptoms of complications of disease processes.

- Implement measures to address threats to patient safety, e.g., falls, seizures.

- Maintain patent airway.

- Maintain integrity and prevent infection of invasive drainage systems, e.g., catheters, percutaneous drains.

- Implement measures to maintain adequate hydration and electrolyte balance.

- Provide care to patients on continuous cardiac monitoring.

- Use adaptive/assistive devices for mobility, immobility, positioning, and comfort.

- Interpret cardiac rhythm strips.

- Monitor for complications of musculoskeletal trauma and surgical procedures.

- Perform a neurovascular assessment, e.g., extremities, flaps, grafts.

- Provide optimum nutrition during hospitalization, allowing for cultural and individual preferences.

- Identify and implement transmission-based precautions based on patient's history and symptoms.

- Monitor effectiveness of nutritional interventions.

- Develop and implement a wound management strategy.

- Care for patient receiving IV patient-controlled analgesia

- Perform central line dressing change.

- Administer heparin drip

- Apply and/or monitor devices used to immobilize affected area, e.g., cast, splint, collar, etc.

- Care for patient receiving epidural analgesia

- Provide care for patients who have chest drainage systems.



5. Effective Management of Rapidly Changing Situations

- Recognize signs that a patients condition is deteriorating and take appropriate action.

- Obtain appropriate orders to address a change in the patients condition,

- Determine priorities in rapidly changing situations.

- Use existing guidelines/protocols/policies to respond to changing patient situations, e.g., hypoglycemia, wound dehiscence.

- Use existing guidelines/protocols/policies to respond to urgent and emergent situations, e.g., acute chest pain, stroke.

- Initiate basic life support.



6. Monitoring/Ensuring Quality Health Care Practices

- Communicate effectively to the healthcare team.

- Question/clarify orders as appropriate.

- Incorporate evidence-based practice into the patient's plan of care.

- Coordinate and/or participate in interdisciplinary activities to ensure consistent patient outcomes, e.g., core measures.

- Report system failures, e.g., chain of command, equipment, safety, medication administration, computer systems.

- Assist nursing staff in incorporating evidence-based practice and quality improvement into practice.

- Participate in quality improvement activities.

- Identify clinical problems for further investigation.



7. Organizational and Work-Role Competencies

- Practice in accordance with the rules and regulations of the state board of nursing in state(s) of licensure.

- Adhere to the Scope and Standards of Medical-Surgical Nursing Practice.

- Utilize electronic/computer resources to optimize patient care.

- Set priorities based on assignment, unit, and institutional needs.

- Act as a professional role model.

- Participate as an active member of the interdisciplinary healthcare team.

- Delegate patient care assignments based on competency levels and scope of practice of healthcare team members.

- Act as a resource for other nurses on the unit.

- Provide collaborative, interdisciplinary, coordinated care.

- Incorporate strategies that support effective team dynamics in a caring and nurturing environment.

- Evaluate own practice based on established standards of care.

- Evaluate nursing care based on outcome criteria.

- Recognize unsafe work practices (nurse/patient ratio, ergonomics, standard precautions, etc.) and intervene appropriately.

- Identify, develop, and implement strategies to reduce readmissions.

- Use the chain of command appropriately.

- Serve as consultant to nursing staff and other disciplines.

- Coordinate and/or participate in interdisciplinary activities to ensure consistent patient outcomes, e.g., core measures.

- Identify, develop, and implement strategies to decrease length of stay while improving patient/family/staff satisfaction and patient care.

- Provide expert support to unit educators, preceptors, and nurse managers.

- Follow institutional policies and procedures in response to an internal or external crisis or event.

- Serve as preceptor/mentor for students and staff.

- Assist with data collection (e.g., patient outcomes, nurse-sensitive indicators).
MSNCB Medical-Surgical Nursing Certification
Medical Medical-Surgical test plan

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MSNCB Medical-Surgical Nursing Certification
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Question: 64
Two hours ago the client had a left thoracotomy with a lobe resection. The
sanguineous drainage in the chest tube collection chamber is 325 mL. The nurse
recognizes that this is:
A. Normal chest tube drainage
B. Indicative of a pneumothorax
C. Chyle drainage
D. A sign of hemorrhage
Answer: D
Sanguineous drainage of greater than 100 mL/hr in the client who is in the
immediate postoperative period following a thoracotomy indicates hemorrhage.
The physician should be notified immediately. Normal chest tube drainage should
be less than 100 mL/hr. A pneumothorax occurs when there is air between the
visceral and the parietal pleura, which causes compression of the lung and results
in acute respiratory distress. Chyle drainage is a milky color that results from
disruption of the lymphatic drainage system.
Question: 65
65. In a client with right lung pneumonia, the nurse should encourage which
position to facilitate optimal oxygenation?
A. Prone position
B. Supine position with head elevated at 30 degrees
C. Positioned with the right side dependent
D. Positioned with the left side dependent
Answer: D
Positioned with the left side dependent. With unilateral lung disease, the example
to remember is "good lung down." Since ventilation and perfusion are gravity
dependent, enhancing ventilation and perfusion to healthy lung tissue and alveoli
will enhance oxygenation. Supine positioning would provide near equal
ventilation and perfusion to both lungs. In the diseased lung, excess fluid and
fibrosis inhibit gas exchange at the pulmonary capillary membrane, thereby
diminishing oxygenation.
Question: 66
What is a normal tidal volume for a client on a ventilator?
A. 5-7 ml/kg
B. 7-9 ml/kg
C. 9-11 ml/kg
D. 11-13 ml/kg
Answer: B
Normal tidal volume is 7-9 ml/kg or about 500 ml for an average-sized man
(approximately 75 kg).
Question: 67
67. A client with a left leg fracture is to be taught the three-point gait before
discharge. Which instruction should the nurse supply to this client?
A. "your right crutch, swing the left foot forward, advance the left crutch, and
then bring the right foot forward."
B. "Move your right crutch and left foot forward together, and then swing the
right foot and left crutch in one movement."
C. "While partially bearing weight on your left leg, advance both crutches and
then bring your right leg forward."
D. "Using one movement, advance your left foot and both crutches and then bring
right leg forward."
Answer: D
In the three-point gait, both crutches and the affected "badâ" leg and foot move
together, with the unaffected "good"• leg and foot following. Choices A and B
are incorrect because the crutches are moved simultaneously, not independently.
Choice C is incorrect because the client should not bear weight on the fractured
leg when using the three-point gait.
Question: 68
68. Which assessment finding by the nurse has the most serious implication for a
70-year-old client with emphysema?
A. Increased anterior-posterior diameter of the chest
B. Bilateral crackles throughout the lung fields
C. Pursed-lip breathing
D. Circumoral cyanosis
Answer: B
Bilateral crackles throughout the lung fields indicate excessive pulmonary fluid
requiring acute intervention. Increased anterior-posterior diameter of the chest,
pursed-lip breathing, and circumoral cyanosis are chronic findings in clients with
emphysema. They do not indicate acute changes in the client's condition.
Question: 69
The nurse is encouraging a client who has undergone an amputation to
immediately fit a prosthesis. The advantage for this immediate action is:
A. Ability to ambulate sooner
B. Less chance of phantom limb sensation
C. Dressing changes are not necessary
D. Better fit of the prosthesis
Answer: A
When the prosthesis is in place immediately following surgery, the client can
stand up several hours postoperatively and walk the next day. The operative site is
closed to outside contamination and benefits from improved circulation due to
ambulation.
Question: 70
Mr. Sanchez visited a clinic for his timely medical check-up and brought with
him his hematology result. He informed the nurse that his physician is trying to
assess him for polycythemia vera. The laboratory findings for a client with
polycythemia vera include major and minor criteria. What is the major or defining
hematological finding?
A. Leukocytosis >12,000/mm3
B. Thrombocytosis >400,000/mm3
C. RBC count >6 million/mm3
D. Elevated leukocyte alkaline phosphatase
Answer: C
Polycythemia vera is a chronic myeloproliferative disorder characterized mainly
by erythrocytosis (increased RBC mass). Hemoglobin and hematocrit will be
elevated. Choices A, B, and D are also laboratory findings, but they are
considered minor criteria in this condition.
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Medical Medical-Surgical test plan - BingNews https://killexams.com/pass4sure/exam-detail/MSNCB Search results Medical Medical-Surgical test plan - BingNews https://killexams.com/pass4sure/exam-detail/MSNCB https://killexams.com/exam_list/Medical Chapter 18: Medical Consultations and Examinations

Revised January 2023

When Medical Attention is Required

Laboratory personnel must be provided the opportunity to receive medical attention at no cost to themselves under the following circumstances:

Note: Students who have no employee relationship with the University (such as a student in a teaching lab) are not covered by Workers’ Compensation and are responsible for payment of medical evaluation and care. Contact the Business Center North Risk Management Office for guidance with student (non-Workers’ Compensation) incidents. Students who are enrolled for 6 or more credits are automatically assessed the Student Health Fee, so many students choose to go to the Student Health Center for evaluation of non-emergency injuries or chemical exposures.

  • When personnel develop signs or symptoms that are associated with exposure to a hazardous chemical to which they may have been exposed.
  • Air monitoring indicates that airborne exposure levels routinely exceed the action level established by OSHA, or the OSHA PEL if an action level has not been established. One-half the ACGIH TLV (or other exposure limit being used) will generally be used as the action level if an OSHA action level or PEL has not been established.
  • An event such as a spill, leak or explosion results in a significant acute exposure to a hazardous chemical.

Medical Surveillance

When toxicologically significant quantities of carcinogens, reproductive toxins, or chemicals with high chronic toxicity are used on a regular basis (such as weekly or multiple times per month), implementation of a medical surveillance program should be considered. Since the specific circumstances determine the need for medical surveillance, consult the University Chemical Hygiene Officer in these instances.

As a general guideline, a toxicologically significant quantity is an amount greater than or equal to one-half the quantity reported to produce the primary toxicological effect expected for the specific chemical in a mammalian species, when scaled for a 50 kg (110 pound) person:

Toxicologically Significant Quantity (g) ≥ [toxicological effect dose (mg/kg) × 50 kg × 1/1000] ÷ 2

Note: If the dosage for the primary toxicological effect is not available, the LD50 can be substituted; however, since the LD50 is based on the endpoint of lethality, it is possible that some risk of non-lethal toxicological effects remain.

Responsibilities of the Laboratory Supervisor

The Workers’ Compensation Office must be notified (784-4394, or at https://www.unr.edu/bcn-nshe/workers-comp) when medical evaluation or treatment is needed as a result of an occupational injury or illness (the notification applies to employees and non-employed students). When medical attention is required, the laboratory supervisor is responsible for ensuring that affected personnel are provided with the opportunity to receive medical attention, and that the below information is provided to the attending physician.

  • The identity of any chemical(s) to which the affected person may have been exposed (include the SDS or other hazard information).
  • The conditions under which any possible exposure occurred, including any exposure data (consult with the University Chemical Hygiene Officer).
  • A report of any signs or symptoms the affected person is experiencing.

The employer (generally the Workers’ Compensation Office) must obtain a written opinion from the attending physician that includes the following:

  • Any recommendation for medical follow-up.
  • The results of the medical examination and any associated tests.
  • Any medical condition identified during the examination that may place the affected person at increased risk as a result of exposure to hazardous chemicals found in the workplace.
  • A statement that the affected person has been informed by the physician of the results of the examination, and of any medical condition that may require further examination or treatment.

Note: This report must not include specific findings of diagnoses unrelated to occupational exposure.

The above information should be shared with the laboratory supervisor as warranted by the situation and as required to ensure the health and safety of the affected person.

Medical Facilities

Employees

Employees (including students who receive employee compensation through assistantships) who are injured or exposed to chemicals, and require medical attention, should go to one of the following medical facilities that participate in the Workers’ Compensation Program:

For non-life threatening injuries or exposures that require medical attention, go to:

Renown Health Urgent Care – Ryland

975 Ryland St Reno NV 89502

775-982-5000

Open 7 days a week 8am-7pm

For emergency treatment of non-life-threatening injuries or exposures, or outside of the above clinic's hours of operation, go to:

Renown Regional Medical Center Emergency Room
1155 Mill St.
Reno, NV 89502
(775) 982-4144

Note: Indicate that you are a University of Nevada, Reno  employee and that the exposure or injury is occupationally related.

For life threatening injuries or exposures, Call 911

Students

Students who are injured or exposed to chemicals while performing tasks during which there is no employee relationship with the University (such as a student in a teaching lab) should go to the Student Health Center or other healthcare facility according to their personal preference (students are responsible for payment).

If the situation requires emergency medical attention, call 911.

Additional Information

Additional information on the procedures for providing appropriate medical attention for occupational injuries or illnesses is available from the Workers’ Compensation Office by calling (775) 784-6082.

Chapter 19: Emergency Response

Mon, 01 Apr 2019 00:40:00 -0500 en-us text/html https://www.unr.edu/ehs/policies-manuals/chemical-hygiene-plan/chapter-18
Practical Anatomy and Surgical Education

While Saint Louis University’s Practical Anatomy and Surgical Education department plans to continue our commitment to bring world-class hands on workshops to health care professionals worldwide, we take the health, safety and well-being of our clients and employees with the utmost concern. Following the latest CDC and Saint Louis University guidance for large events, and upon discretion of the course directors, we will continue to monitor the situation and update policies as they become available. 

The PASE laboratory facility is also available for rentals and industry hosted training programs.

We look forward to welcoming you to PASE!

About PASE

Saint Louis University’s Practical Anatomy and Surgical Education's hands-on cadaver workshops and surgical trainings are designed to provide realistic learning experiences for health care professionals. We offer courses to physicians, residents, fellows, US military, physician assistants, nurse practitioners, and surgical assistants. 

SLU Practical Anatomy and Surgical EducationMore than 20 CME programs for surgeons and health care professionals, lasting from one to five days, are offered each year.

Browse Workshops

Participants in our CME workshops review intricate surgical anatomy, refine their surgical techniques and interact one-on-one with world-class faculty from Saint Louis University, Washington University, Harvard University and the University of California at Los Angeles, among others. Areas represented in PASE's CME course offerings include:

  • Neurosurgery
  • Otolaryngology
  • Head and neck surgery
  • Spinal surgery
  • Cosmetic surgery
  • Plastic and reconstructive surgery
  • Gynecological and laparoscopic surgery
  • Vascular surgery
  • Minimally invasive procedures
  • Podiatry
  • Orthopedic
  • Emergency skills

PASE's continuing surgical education courses take place in our world-renowned facility in St. Louis, Missouri. With top-notch bioskills labs and an easily accessible location on the campus of Saint Louis University, PASE offers the ideal setting for ongoing, hands-on medical education.

Frequently Asked Questions about CME at Practical Anatomy and Surgical Education

How many CME credits can I earn through PASE?

On average, health care professionals earn 19 CME credits at one of Saint Louis University's Practical Anatomy and Surgical Education workshops, though individual courses have ranged from 10 CME credits to 40 CME credits.

What happens during a CME conference at PASE?

Each hands-on workshop typically consists of a series of didactic presentations by renowned faculty and equal amounts of time in the cadaver laboratory each day. Many of the surgical techniques reviewed are demonstrated on cadaveric specimens and projected in 3-D. To find out more about our interactive labs, take a tour of our facility.

What physician specialties or other groups does PASE serve?

PASE offers CME courses for:

  • Neurosurgeons
  • Plastic surgeons (facial, cosmetic and oculoplastic)
  • Orthopedic surgeons
  • Oral and maxillofacial surgeons
  • Dermatologic surgeons
  • Ophthalmologists
  • General and colorectal surgeons
    Gynecologic oncologists
  • Otolaryngologists
  • Emergency room physicians and paramedics
  • Vascular surgeons
  • Physician assistants, nurse practitioners and nurses

PASE also frequently offers hands-on cadaver workshops for neuroscience registered nurses, physician assistants and nurse practitioners, as well as paramedics. Check our schedule for upcoming workshops. 

What is your accreditation?

All PASE workshops for physicians are accredited through the Saint Louis University School of Medicine, which is, in turn, accredited by the Accreditation Council for Continuing Medical Education (ACCME), the accrediting body of the American Medical Association.

Learn More

Fri, 08 Dec 2023 11:53:00 -0600 en text/html https://www.slu.edu/medicine/medical-education/continuing-medical-education/pase/index.php
What to Expect in a Life Insurance Medical test (2024)

What is a Life Insurance Medical Exam?

A life insurance medical test is similar to a routine physical that you would receive at a doctor’s office each year. However, this test is requested and paid for by your prospective insurer. You may be able to take it in a doctor’s office, or a paramedical company might administer the test.

The specific tests included with your medical checkup vary based on your age and the insurance company you’re shopping with. Common tests include:

  • Blood work
  • Urine
  • EKG
  • X-rays
  • Cognitive ability testing
  • Treadmill stress test

Most exams also include paperwork, wherein medical examiners ask about medical history, illnesses that run in your family, and your latest health history. Have on hand your personal data, a list of all the medications you take, your current dosages, and information on any diagnoses you’ve received from a medical professional.


Why Life Insurance Companies Require a Medical Exam

When you submit your application to a life insurance company, it begins the underwriting process. Underwriting determines what you’ll pay in premiums, assuming you’re approved for coverage. During underwriting, insurance professionals assess everything they can about your overall health to estimate your life expectancy.

While it sounds morbid, underwriting is essential for the insurance company to determine your risk as a policyholder before offering a quote for life insurance.

If you’re applying for a permanent life insurance policy or a policy with a large death benefit, you’re asking your insurer to take on significant risk. Before the insurance company agrees to take on this risk, it wants to know that you don’t have any major health issues or medical conditions that could cause you to die soon after getting your coverage.

By requiring a medical exam, insurance companies get a more detailed look at your overall health and gain the ability to evaluate the likelihood that you’ll develop a chronic health condition like diabetes or have a serious event like a stroke or heart attack.

Whether you’ll need a medical test before getting life insurance largely depends on the type of policy you’re looking to buy. Limited-risk policies like term life insurance plans usually don’t require a physical exam.

However, every insurance company will ask you to fill out some type of basic health questionnaire before determining how much you’ll pay each month to maintain coverage. If you want whole life insurance, expect to have a medical exam.

How to Get a Life Insurance Medical Exam

To get a life insurance medical exam, request a quote from your insurance provider. You probably won’t need an test if you apply for term life or a whole life policy with a limited death benefit. And if you don’t need an exam, you might be able to buy your policy entirely online.

If you want to buy whole life insurance, you’ll likely be prompted to contact an insurance company representative, or a representative will reach out to you. The representative will schedule your test and provide a range of options for how and when to take your test. Ask questions like whether you should fast before the test and what types of tests will be included.

You may be able to view the results of any exam, depending on the company that administers the test and your insurance company. Some paramedical companies allow you to see results online in as little as 12 hours, which can quell any anxiety you might have about your experience. Contact the paramedical company’s customer service to request a copy of your results, and keep that copy. Your insurance company will follow up to discuss your results after receiving the results and finishing the underwriting process.

Cost of a Life Insurance Medical Exam

When it comes to life insurance, many customers assume they’ll have to see their primary care doctor and pay for the exam. That’s not usually the case. The insurance company typically schedules the test and covers the cost.

Insurers consider exams part of the cost of doing business. In fact, they pay for the test even if you don’t get approved for coverage or if you decide not to buy the policy.

Depending on the tests required, your health issues, the amount of coverage you desire, and the insurance company, you might be able to complete the test at home. Some insurance providers also offer paramedical offices that can come to your workplace to provide more convenient testing.

Your provider will contact you to schedule any medical exam. Delaying it won’t help. In fact, delays can increase the cost of coverage if you’re already in poor health.


The Bottom Line

If you have a terminal illness or a serious medical condition, finding coverage can be challenging. You want to purchase enough coverage to certain that your loved ones will be covered after you pass, but the added medical test may make it difficult to get the best life insurance if you have health issues. However, you have options to find affordable life insurance, no matter your situation.

First, not every life insurance policy requires an exam. The best no-exam life insurance policies can be purchased entirely online, offering term coverage after answering just a few short questions. While these policies may not certain a death benefit payout for your loved ones following your passing, term life insurance can supply you peace of mind — even when living with a terminal illness or a serious health condition.

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Mon, 08 May 2023 09:33:00 -0500 en-US text/html https://www.marketwatch.com/guides/insurance-services/life-insurance-medical-exam/
What the MCAT Test Is Like and How to Prepare No result found, try new keyword!The difficulty of the Medical College Admission Test, or MCAT, means that anyone who plans to take this entrance test should spend a significant amount of time studying for it. "Make sure that you ... Tue, 21 Jun 2022 05:46:00 -0500 https://www.usnews.com/education/best-graduate-schools/top-medical-schools/articles/what-is-the-mcat-test-like-and-how-do-you-prepare-for-it Health Reimbursement Arrangement (HRA): What It Is, How It Works

What Is a Health Reimbursement Arrangement (HRA)?

A health reimbursement arrangement (HRA) is an employer-funded plan that reimburses employees for qualified medical expenses and, in some cases, insurance premiums. Employers are allowed to claim a tax deduction for the reimbursements they make through these plans, and reimbursement dollars received by employees are generally tax-free.

Key Takeaways

  • HRAs reimburse employees for certain medical expenses and sometimes insurance premiums.
  • Employers, not employees, fund HRAs.
  • An HRA is not portable; employees lose this benefit when they leave the company.
  • Government rules, which employers may refine further, determine which expenses can be reimbursed for employees.
  • Depending on the type of HRA, funds may be used to reimburse health insurance premiums, vision and dental insurance premiums, and qualified medical expenses.

How a Health Reimbursement Arrangement (HRA) Works

A health reimbursement arrangement is a plan set up by an employer to cover medical expenses for its employees. The employer decides how much it will put into the plan, and the employee can request reimbursement for real medical expenses incurred up to that amount. All employees in the same class must receive the same HRA contribution.

An HRA is not an account. Therefore, employees cannot withdraw funds in advance and then use them to pay medical expenses. Instead, they must incur the expense first, then have it reimbursed. Reimbursement at the time of service is possible if the employer provides an HRA debit card.

An employee who uses up all the allocated funds in the HRA before year-end will have to cover any subsequent health bills out-of-pocket or with the funds in a flexible spending account (FSA), also known as a flexible spending arrangement, when available, or a health savings account (HSA) for employees who have a high-deductible health plan (HDHP).

Note

Maternity clothes, gym membership fees, and childcare are among the expenses not covered by a health reimbursement arrangement (HRA).

Types of HRAs

There are a few kinds of health reimbursement arrangements.

Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a health coverage subsidy plan for employees working for businesses that employ less than 50 full-time workers. Also known as a small business HRA, a QSEHRA can be used to offset health insurance coverage or repay medical expenses that would be otherwise uncovered.

The yearly limits are set by the Internal Revenue Service (IRS). For 2023, a company with a QSEHRA can reimburse individual employees for up to $5,850 per year and employees that have families for up to $11,800 per year. In 2024, the limits change to $6,150 per individual and $12,450 per family.

The money that is reimbursed is tax-free for the employees and tax-deductible for the employers.

Individual Coverage HRA (ICHRA)

An Individual Coverage HRA (ICHRA) is relatively new, having only been available since January 2020. Previously, HRAs could not be used to pay individual health insurance premiums. But as of January 2020, the government allows employers to offer their employees a new type of HRA called an individual coverage HRA—instead of group health insurance.

Employees can use these HRAs to buy their own comprehensive individual health insurance with pretax dollars either on or off the Affordable Care Act's health insurance marketplace. Individual coverage HRAs can also reimburse employees for qualified health expenses such as copayments and deductibles.

Whether or not your ICHRA makes you eligible for a premium tax credit to help pay for health insurance coverage under the Affordable Care Act depends on whether your employer's ICHRA meets minimum standards for so-called "affordability," and whether you choose to opt-in or opt-out of the coverage.

Excepted Benefit HRAs (EBHRA)

In addition, employers that continue to offer traditional group health insurance can offer Excepted Benefit HRAs (EBHRA) to reimburse employees for up to $1,950 a year in qualified medical expenses.

Employees can enroll in an "excepted benefit HRA" even if they decline group health insurance coverage, but they cannot use the funds to buy comprehensive health insurance. They can, however, use the funds to pay for short-term health insurance, dental and vision insurance premiums, and qualified medical expenses.

Benefits of Health Reimbursement Arrangements

HRAs can be used to pay for qualified medical expenses, which include prescription medications, insulin, an annual physical exam, crutches, birth control pills, meals paid for while receiving treatment at a medical facility, care from a psychologist or psychiatrist, substance abuse treatment, transportation costs incurred to get medical care, and much more.

Employees can also use HRAs to buy their own comprehensive individual health insurance with pretax dollars through the aforementioned individual coverage HRA (ICHRA).

Employees can use the money in their HRAs to cover their spouse's and dependents' allowed medical, dental, and vision costs.

Limitations of Health Reimbursement Arrangements

An HRA only covers qualified medical and dental expenses. According to the Internal Revenue Service (IRS), medical expenses are costs incurred to alleviate or prevent a physical or mental ailment, not expenses to maintain general health, such as vitamins.

An employer may exclude certain medical expenses even though the expenses are qualified by the IRS. An employer’s list of reimbursable medical expenses will be outlined in its HRA plan document for employees.

The IRS issued a statement notifying taxpayers that at-home COVID-19 tests and personal protective equipment such as face masks and hand sanitizer are eligible medical expenses that can be paid or reimbursed under flexible health spending arrangements, health savings accounts, and health reimbursement arrangements (HRAs).

Pros and Cons of HRAs

Pros
  • Can be used to pay for medical and dental expenses such as prescription medications, an annual physical exam, and birth control pills

  • Can be used to pay for individual health insurance with pretax dollars

  • Reimburses employees after they've paid for certain medical expenses and insurance premiums

Cons
  • Can't be used for costs that aren't deemed necessary, such as teeth whitening, funeral services, or non-prescription medication

  • Is set up by the employer, who decides how much money goes into the plan

  • Can't withdraw funds first, then pay expenses; must pay first, and then wait to get reimbursed

Health Reimbursement Arrangements vs. Other Arrangements

An employee with both an FSA and an HRA—and an expense that is eligible to be reimbursed through both plans—can't choose which will cover the expense. Instead, the costs will be reimbursed by the plan that the employer has set up to pay first. When this primary plan has been depleted, the second plan will be used to cover any subsequent eligible medical expenses that are reported for reimbursement.

Here's a closer look at two other options for funding out-of-pocket medical expenses.

FSA

A flexible spending arrangment (FSA) is funded using a portion of an employee's pre-tax salary. In contrast to an HRA, each employee determines how much money should go into these arrangements annually—up to $3,050 in 2023 and $3,200 in 2024.

Unused funds in HRAs may be carried over to the following year according to the employer's discretion. Unused FSA funds generally cannot be used in the next plan year, although an employer may offer either a short grace period (2.5 months) or allow up to $640 to be carried over.

HSA

Compared to an HRA, a health savings account (HSA) is a fully vested tax-advantaged account that is not subject to forfeiture if funds remain in the account at the end of the year. An HSA is paired with a high-deductible health plan (HDHP) to pay for medical and dental expenses. The employee or employer funds the account and, like an FSA, cannot be used to pay insurance premiums. Unlike HRAs and FSAs, employees can keep their HSAs if they change employers.

How Can I Use HRA Funds?

Your employer determines the types of medical expenses that an HRA can be used for. Some plans can only reimburse services in your health plan, while others might include dental, vision, or pharmacy services.

HRAs often, but do not always, reimburse other expenses such as copays, hospital expenses, medical equipment, eyeglasses, or routine doctor's visits.

In addition, the IRS also excludes certain other expenses as being unqualified. For example, expenses that do not qualify as necessary medical expenses include teeth whitening, maternity clothes, funeral services, health club membership fees, controlled substances, childcare for a healthy baby, medication from other countries, and non-prescription medications.

HRA Funding and Portability

The health reimbursement arrangement is funded solely by the employer, which also decides the maximum annual contribution for each employee’s HRA. Employers determine how much to contribute to employees’ HRAs, except that all workers in the same class of employees must receive the same contribution, as noted above. Workers who are older or who have dependents may receive more.

Any HRA money unspent by year-end may be rolled over to the following year, although an employer may set a maximum rollover limit that can be carried over from one year to the next. Furthermore, if an employee is terminated or leaves the company to work for another firm, the HRA does not go with them. That makes it different from an HSA—health savings account—which is portable.

HRA Tax Advantages

As a benefit to employers, reimbursements through the HRA are 100% tax-deductible. As an alternative to more expensive traditional healthcare, an employer may use an HRA to cover the health costs of several classes of employees. In addition, since employers fully fund the plans, they offer predictability, allowing employers to anticipate their approximate maximum expense for HRA health benefits for the year.

Employees may use the arrangement to pay for a wide range of medical expenses not covered by their health insurance policies. Depending on the HRA type, they may also use it for medical, dental, or vision insurance premiums.

Furthermore, reimbursements are tax-free up to a maximum amount for a coverage period. Some businesses may offer employees the added advantage of other employer-provided health benefits, such as an FSA, in conjunction with an HRA.

What Is a HRA in Health Insurance?

A health reimbursement arrangement (HRA) is an employer's plan to cover employee medical expenses. It pays employees in tax-free money to reimburse for medical costs.

How Does a HRA Work?

The employer determines the amount of money that will go into the plan, and the employee can ask to be reimbursed for qualified medical expenses up to the designated amount. Employers can take a tax deduction for the reimbursements made through these plans, and the reimbursements given to employees are usually tax-free.

What Is a HRA vs. a HSA?

A health reimbursement arrangement (HRA) is a benefit used to pay employees back in tax-free money for certain qualified medical expenses and health coverage premiums.

A health savings account (HSA) is a tax-advantaged account used by individuals covered under a high-deductible health plan (HDHP) looking to save up to cover the cost of qualified medical expenses.

Can I Cash out My HRA?

You cannot cash out your HRA. HRA money that hasn't been used by the end of the year can usually be rolled over to the following year, with an employer determining the maximum amount that can be carried from one year to another.

What Qualifies for HRA Reimbursement?

Examples of medical and dental expenses considered necessary might be an annual check-up, prescriptions, or substance abuse treatment.

The Bottom Line

A health reimbursement arrangement (HRA) is a tax-advantaged plan that employers use to reimburse employees for certain approved medical and dental expenses. The employer determines the plan amount up to a yearly limit, and the employee can be reimbursed up to that amount. The reimbursements paid to the employee are tax-free, and the employers can claim a tax deduction for their reimbursements.

A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is an HRA for smaller companies with fewer than 50 full-time workers. An Individual Coverage HRA (ICHRA) allows employees to buy their own individual health insurance with pretax dollars. Employees with an ICHRA can be reimbursed for health expenses such as copayments and deductibles.

Fri, 15 Dec 2023 10:00:00 -0600 en text/html https://www.investopedia.com/terms/h/hra.asp
Best No-Medical-Exam Life Insurance Companies

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

How To Choose a No-Medical-Exam Life Insurance Policy

Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This list and our rankings of the best life insurance companies are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

More Ratings of Top Life Insurance Companies

Frequently Asked Questions

  • Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

    So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

  • Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

  • Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

Methodology

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737
Care Plan Your Doctor Would Usually Recommend For Club Foot No result found, try new keyword!Overview A congenital (by birth) deformity in which the affected foot appears rotated internally at the ankle. Symptoms The condition is characterized by the rotation of feet inwards or downwards. → ... Thu, 04 Jan 2024 07:28:38 -0600 en-us text/html https://www.msn.com/ Best Short-Term Health Insurance Companies Of 2024

Everest’s Flex Term Health Insurance policy has excellent prices for short-term health insurance and offers more coverage maximum, deductible and coinsurance options than competitors.

Everest offers property/casualty and speciality reinsurance and insurance in over 100 countries.

Everest’s short-term health insurance doesn’t cover some pre-existing conditions, including prescriptions, unless they’re administered during a hospitalization that’s covered by the health plan.

Everest provides short-term health insurance plans in Alabama, Arizona, Arkansas, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Virginia, West Virginia, Wisconsin and Wyoming.

Tue, 02 Jan 2024 15:56:00 -0600 Les Masterson en-US text/html https://www.forbes.com/advisor/health-insurance/best-short-term-health-insurance-companies/
Amazon Makes Moves In Healthcare With Plans To Acquire One Medical

Key takeaways

  • Amazon plans to acquire healthcare provider One Medical for $18 per share in a deal valued at $3.9 billion
  • One Medical, which went public in 2020, operates a network of healthcare clinics and telemedicine services
  • The Amazon One Medical buyout allows the retailer to penetrate deeper into the healthcare market than its previous ventures
  • One Medical’s parent company, 1Life Healthcare, Inc., closed Thursday at $17.25, just below Amazon’s offered price

On Thursday, online retail giant Amazon announced its intention to buy primary care clinic and telehealth operator One Medical. The all-cash offer values One Medical at $18 per share, or roughly $3.9 billion.

Amazon hopes that this latest acquisition – one of its largest – will help the retailer push deeper into healthcare. Capitalizing on One Medical’s reach will allow it to expand services to employers and consumers alike. Together, the companies hope to provide more affordable, convenient services virtually and in person.

Following news of the acquisition, shares of 1Life Healthcare, One Medical’s parent company, surged over 70% in trading. Thursday night saw shares close at $17.25 compared to Wednesday’s $10.18 apiece.

The deal remains subject to approval from regulators and One Medical’s shareholders.

A One Medical Checkup

San Francisco-based One Medical got its start in 2007 as an early adopter of telemedicine practices. The company, which went public in January 2020, describes itself as a “human-centered, technology-powered national primary care organization.”

One Medical operates as a subscription-based healthcare service that offers “24/7 access to virtual care.” For $199 per year, patients can access same-day doctor visits, patient-to-doctor texting and online appointment bookings. One Medical also boasts its own health record software that it claims is more convenient for providers and patients.

In addition to working with individual patients, One Medical also partners with over 8,000 companies to offer employer health benefits. Unsurprisingly, the firm saw demand surge amid the Covid-19 pandemic. In its most latest quarterly report, One Medical claimed total membership of 767,000, up 28% year-over-year, across 188 medical offices in 25 markets.

Amazon’s interest in Medical One

Amazon has been pushing into the healthcare industry for years now, including acquiring an online pharmacy and offering in-house healthcare to lower costs. Until now, the retailer’s efforts have largely stalled out.

But the Amazon One Medical buyout could allow Amazon to boost its reach.

To start, One Medical operates an extensive network of established clinics and comes with a built-in patient base. And because One Medical sees around five times as many virtual patients to in-person visits, it could offer the convenience Amazon needs to capitalize on the acquisition further. (Not to mention access to physical clinics and an existing network of payer-hospital system relationships.)

The Amazon One Medical deal also offers the online retailer something it values deeply: data. If the firm acquires One Medical’s in-house records system, it could tap information that will allow it to predict healthcare costs, target interventions and guide treatment development for years to come.

What’s in the package

Neil Lindsay, the senior VP of Amazon Health Services, said in a statement that Amazon hopes to use the acquisition to reinvent the healthcare experience. He listed booking appointments, long waits, rushed exams and pharmacy trips as areas lacking efficiency and customer convenience.

Noted Lindsay: “We love inventing to make what should be easy easier and we want to be one of the companies that helps dramatically Improve the health care experience over the next several years…. We see lots of opportunity to Improve the quality of the experience and supply people back valuable time in their days.”

On the other side of the equation, One Medical CEO Amir Dan Rubin expressed excitement for the acquisition. Said Rubin: “The opportunity to transform health care and Improve outcomes by One Medical’s human-centered and technology-powered model and exceptional team with Amazon’s customer obsession, history of invention and willingness to invest in the long-term is so exciting.”

Under the current terms of the agreement, Dan Rubin will remain CEO of One Medical. However, Amazon has not commented further on how One Medical will fold into its existing healthcare operations.

Antitrust and competitive concerns

In latest years, several government officials have expressed concern over lax enforcement of anticompetition laws (particularly in Big Tech). Some lawmakers have even discussed new bills that would prevent firms from leveraging their expansive reach as a “force multiplier” across multiple verticals.

Due to the price tag on the One Medical deal, the companies must report to the antitrust regulators at the Federal Trade Commission and Justice Department. (The FTC is currently conducting investigations into whether Amazon has violated antitrust laws.) If either department aggressively pursues the case, the deal could fall apart.

Watchdog’s hackles raised

Already, several consumer watchdogs have pushed for regulators to oppose the deal.

One, the American Economic Liberties Project, expressed concern that Amazon wouldn’t protect patients’ medical records. The group’s senior policy analyst said Thursday: “Allowing Amazon to control the health care data for another 700,000 plus individuals is terrifying. Amazon has no business being a major player in the healthcare space, and regulators should block this $4 billion deal to ensure it does not become one.”

Sacha Haworth of the Tech Oversight Project advocacy group agrees. She noted in a media statement that: “Amazon having back door access to private health care data is frankly a terrifying thought and calls into focus how desperately Congress needs to pass antitrust reform to prevent these tech giants from abusing their monopoly power.”

But Nicholas Economides, professor of economics at the Stern School of Business, said he’s skeptical of formal antitrust scrutiny. He compared the acquisition to Amazon’s 2017 purchase of Whole Foods, where antitrust regulators let the acquisition slide due to Amazon shopping outside its primary market.

Wrapping up the competition

Amazon’s proposed acquisition also stands to make buying physician practices more expensive. Several potential rivals, including Walgreens, Walmart and CVS health have spent billions opening clinics to serve patients and snap up market share.

As these retailers enter a rapidly-evolving, highly competitive space, they’re going to need the latest technology to meet patient demands. Amazon and One Medical could combine to meet the challenge – or beat out the competition.

Amazon in healthcare

The Amazon One Medical deal is the latest iteration of Amazon’s healthcare ambitions. For many Amazon executives, healthcare provides the next profitable frontier, a market rife with inefficiencies and poor customer service just waiting to be fixed.

In the last decade, Amazon has attempted to enter the healthcare market in myriad ways with limited success. In 2018, Amazon worked with JPMorgan and Berkshire Hathaway to form Haven. The partnership intended to explore new ways to deliver healthcare to their own workers before fizzling out last year.

Also in 2018, Amazon entered the prescription drug industry with a $763 million bid to buy PillPack, an online pharmacy startup. Amazon used the leverage to form the Amazon Pharmacy medication delivery service. However, the service has yet to gain much traction.

Then, in 2019, Amazon started Amazon Care, a primary and urgent care service for its employees. It offers both virtual and limited home and physical office visits. While Amazon did attempt to branch deeper into the market with its Amazon Care offering, it found only limited success.

But the One Medical acquisition offers Amazon an easy “in” into the market. With an established network, in-house medical software and existing partnerships, Amazon can swoop in and capitalize on One Medical’s inroads – without building them itself. (Notably, Google is a major customer of One Medical, meaning that a successful acquisition would position Amazon clinics inside Google facilities.)

Is Amazon One Medical a Prime day deal for investors?

The Amazon One Medical deal holds potentially major implications for the healthcare industry at large, as well as the two firms’ investors.

To start, by buying a firm with an “in,” Amazon can more easily expand its medical services to a larger clientele pool. The combination of brick-and-mortar locations and telemedicine is particularly beneficial, as is the in-house recordkeeping system.

But it’s not just about what One Medical offers – it’s about what it doesn’t, too: a high purchase price.

One Medical initially went public in 2020 at $22.07 per share before peaking at $58.70 last year. But as of Wednesday night, the company was trundling along at $10.18 per share. (Note: prices rose to $17.15 by Thursday’s close after Amazon announced the merger. Meanwhile, Amazon closed up 1.5% on the day.)

Not only that, but One Medical has proven largely unprofitable amid a broader downturn for healthcare startups. In its most latest quarterly filing, the healthcare firm posted a net loss of $90.9 million against $254.1 million in revenue.

The low share price and relatively poor performance allowed Amazon to offer a mere $18 apiece to buy One Medical. If the online retailer can capitalize on the company’s reach and expand its offerings, that’s a hefty discount compared to its long-term earnings potential.

As an investor, this combination of factors and future earnings potential could spell good news for your holdings.

Amazon and One Medical: A gamble you don’t have to take alone

Investing in emerging tech companies and high-profile acquisitions provides excitement and the potential for large future payouts. But knowing when – and which – mergers to buy is risky business with no upfront answers.

That’s why we here at Q.ai released our Emerging Tech Kit. By buying into carefully-curated portfolios of cutting-edge stocks and ETFs, you can stay ahead of the curve. Sure, it’s high-risk – but it also offers the potential for great rewards.

Download Q.ai today for access to AI-powered investment strategies. When you deposit $100, we’ll add an additional $50 to your account.

Fri, 22 Jul 2022 02:11:00 -0500 Q.ai - Powering a Personal Wealth Movement en text/html https://www.forbes.com/sites/qai/2022/07/22/amazon-makes-moves-in-healthcare-with-plans-to-acquire-one-medical/
QRCS Provides Surgical, Medical Care For Idps In Somalia

(MENAFN- Gulf Times) The representation office of Qatar Red Crescent Society (QRCS) in Somalia recently completed a medical convoy for general surgery and urology at De Martini Government Hospital in Mogadishu.
Carried out in co-operation with Somalia's Ministry of Health (MOH), the project's cost was $114,212 (QR416,302), an official statement from QRCS said.
The inauguration ceremony was attended by a QRCS delegation that comprised Dr Mohamed Salah Ibrahim, Director of the Relief and International Development Division and Rushdi Abdelkhaleq Bamasoud, Monitoring and Evaluation Expert as well as the hospital's management.
The 17-day project aimed to treat the poorest and most vulnerable patients across and around Mogadishu, especially the villages and camps hosting internally displaced people (IDPs).
It involved the screening, examination, and clinical diagnosis of 736 outpatients. 494 patients received laboratory tests and medical prescriptions, while 242 others underwent surgeries including 221 and 21 general and urology operations respectively.
Other activities included the rehabilitation of the hospital's main operating room, by installing surgical light and A/C; restoring walls, ceiling, and floor; and inspecting and maintaining the main power supply lines.
With these results, the project has exceeded the targets in the original action plan, which included 600 medical examinations, 200 procedures, 400 medical prescriptions, and postoperative care for the patients as well as capacity-building for local medical professionals.

MENAFN25122023000067011011ID1107655525


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Mon, 25 Dec 2023 05:37:00 -0600 Date text/html https://menafn.com/1107655525/QRCS-Provides-Surgical-Medical-Care-For-Idps-In-Somalia




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