Health Care

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Health Care Reform March 15 2010

Week of March 15, 2010

The White House last week continued to rail against rising health insurance premiums to help build popular support for his health care reform package. But the effort to focus the blame for rising costs on insurers was questioned, in particular, by state insurance experts and economists quoted in a New York Times story last week. Insurance commissioners said that trying to hold down premiums before costs were under control would be very risky. This approach could mean solvency issues in some cases, they told the Times. To help educate Americans about the true drivers of rising health care costs, America’s Health Insurance Plans, the industry trade association, last week launched a new national ad campaign. The ad demonstrates that health insurance company costs represent a small slice of the overall health care cost pie.

Federal

With a cadre of staff operatives searching for the right health insurance reform provisions among those previously discarded from the House, Senate and the President’s proposals, Democratic leadership has been relentlessly pursuing every possible pathway to pass a final bill. The expected process would have: 1) the House pass the Senate-adopted reform bill (which most House members hate), 2) the House passing a bill to “fix” all the things it hates using a reconciliation legislative vehicle, followed by 3) the Senate passing the very same reconciliation bill — requiring only 51 votes in the Senate. The House Budget and Rules Committees are expected to start the review, hearing and mark-up process of the reconciliation bill this week. The Senate commitment to using reconciliation was made official in a scathing letter from Leader Harry Reid to the Minority Leader. Along the way the two Chambers will need to see the latest CBO “scores” on the bill before voting, and 216 House Democrats will have to resolve policy disagreements over abortion, federal health insurance rate review and authority, and other substantive issues. Additionally, the House will have to trust that the Senate can pass the reconciliation measure without changing one comma. Partisanship has blossomed into open hostility over health reform. Whether Congress can overcome these policy, process and political mine fields remains as murky as ever, but Democrats have chosen to try and will push for resolution by the Easter recess.

The Senate has passed Jobs Bill II and shipped it off to the House, where passage is not certain. Within the bill are two health-related items of note. First, the COBRA eligibility and subsidy program will be extended to the end of 2010. (These provisions are set to expire at the end of March.) Second, the bill contains a suspension until September 30, 2010 of the cut to physician Medicare reimbursements for the current calendar year. (This provision is also set to expire at the end of March.) Aetna urged Congress to apply the “doc fix” to next year’s reimbursement as well, since insurers’ Medicare rates are based on what doctors are paid, but in the end Congress failed to make this change. Aetna and the industry will continue to find ways both to establish a more lasting, if not permanent, doc fix and to devise a legislative solution to the disconnect between doctor reimbursement and Medicare Advantage rates for 2011 and beyond.

States

ARIZONA: Budget issues remain front and center as the governor and Republican leadership proposed a plan they hope will close the $700 million deficit this year and reduce the anticipated $2.6 billion deficit in 2011. Righting the state’s fiscal ship has become a very partisan exercise, with the Republicans supporting reductions in Medicaid and KidsCare, and the elimination of full-day kindergarten. As the special session on the budget is running concurrently with the regular session, no other bill hearings were held. The oral chemotherapy parity bill may be dead for this year as proponents did not meet the deadline for submitting amendatory language.

CALIFORNIA: The Assembly Accountability and Administrative Review Committee chaired by Assemblyman Hector De La Torre held a hearing last week to examine how the Department of Managed Health Care (DMHC) and the Department of Insurance (CDI) has handled issues surrounding the rescission of policies in the individual market. According to a report prepared for the committee by Bryan Liang, director of the Institute of Health Law Studies at the California Western School of Law, fewer than 300 of 6,000 former policyholders are participating in health insurers’ agreements to settle such cases. Republican committee members were highly critical of this witness, while De La Torre was critical of the Departments. The DMHC reported that since their settlements were completed there have only been nine rescissions over the past two years, proof that the DMHC and the health plans have revamped their processes for rescission and have worked to address the problem.

COLORADO: A bill mandating maternity and contraceptive coverage in individual policies continues to receive significant attention in the Senate. The most recent amendment proposes requiring maternity coverage in at least three of the plans marketed by an insurer. It would also allow a current member of a plan without maternity coverage to switch to a plan with maternity coverage from the same carrier during the first trimester. The other major bill would require that second level appeals be performed by physicians who are actively involved in clinical practice. This measure is counterintuitive in the current economy, since it would result in outsourcing appeals and drive up costs for plan sponsors and their employees.

CONNECTICUT: A proposal that would require health insurance plans to cover oral chemotherapy in the same way that intravenous chemotherapy is covered made it through the legislature’s Insurance and Real Estate Committee last week. Currently, many health plans treat the two kinds of cancer treatments differently. Chemotherapy treatments that come in pill form are often categorized as prescription drug benefits that can require patients to pay a larger share of the cost. Cancer patients, doctors and patient advocates spoke in favor of the bill, while insurers and the Connecticut Business and Industry Association opposed it, arguing that it would put a mandate on health plans that could raise costs and make it more difficult for employers to afford insurance.

GEORGIA: A bill restricting the use of rescissions in individual health insurance policies passed a Senate committee last week. Aetna continues to work with its trade organizations to educate legislators about the adverse effect of this type of legislation. Discussions also continue regarding legislation affecting the use of rental networks.

KANSAS: Roughly half way through the legislative session, several health care bills are still moving through the process. On the regulatory front, the Insurance Department has proposed a regulation that would mandate coverage of routine patient care costs while the insured is enrolled in a cancer clinical trial – a mandate that was rejected by the legislature in 2008. A hearing will be held on April 20, and Aetna will have an opportunity to present testimony on this issue. Bills still alive include mandates for autism and orally administered chemotherapy, legislation prohibiting dental contracts that require the dentist to follow a fee schedule for non-covered services, and a ban on “most favored nation” clauses by some insurers. Another bill would allow small employers to create individual HRAs to fund premium payments on individual policies, require administering insurers to offer employees the option of receiving health insurance coverage through a high-deductible health plan with an HSA, and requiring insurers who offer small group health plans to offer high-deductible health plans with HSAs, while authorizing tax deductions for health insurance premiums for individual insurance policies. Separate legislation would amend the definition of “eligible employee” to include part-time workers (currently less than 30 hours per week). Pending legislation concerning hospital charges would prohibit charging private-pay patients more than 25 percent of what the hospital’s highest volume private payer would pay for the same goods or services. Legislation that died includes a telemedicine mandate and creation of a health care insurance database for employers.

KENTUCKY: Health issues that are being hotly debated by the legislature right now include an autism mandate, a dental bill that would not allow insurers to hold dentists, optometrists or ophthalmologists to a fee schedule for non-covered services, and a bill setting a reimbursement floor for chiropractic services. The chiropractic services proposal would allow chiropractors to bill, and would require insurers to reimburse, an evaluation and management (E&M) CPT code on each and every visit. In addition to billing for follow-up services for manipulations and other therapies, the chiropractor would be allowed to submit, and the insurer required to pay, for another E&M code on each and every visit. The legislation would also add a new mandated benefit to the Kentucky statutes. Currently, reimbursement for chiropractor visits is required only if the chiropractor performs a service already covered by the health benefit plan. Under the proposal, any service within the scope of practice of a chiropractor that is billed would become a mandated benefit. Finally, the bill would require health benefit plans to provide reimbursement without the chiropractor having to provide any documentation that the services were medically necessary. Each of these bills has, or is expected to, pass at least one chamber.

SOUTH DAKOTA: Several important legislative deadlines are approaching, resulting in a flurry of activity. Bills or resolutions not passed by the second chamber by March 9 died. But the Governor has already signed a bill that amends the premium rate-setting procedure for the high-risk pool so that rates for a given classification are 150 percent of the average actively marketed premium. The pool will have to offer three or more plan designs, remove coverage requirements for the plans (such as disease management) and remove set cost-sharing values. The bill was signed by the Governor on March 1 and will become effective on July 1, 2010. The Governor has also signed a bill prohibiting rating based on injuries caused by domestic violence and legislation requiring refunds of premiums for partial months, in the case of mid-month cancellations. Both chambers have passed legislation prohibiting contract language requiring dentists to accept a fee schedule for non-covered services, and the bill awaits the Governor’s signature. Finally, the legislature passed a resolution opposing the federal health care reform proposals passed in the U.S. Senate and House.

About the Author

http://www.easytoinsureme.com

Healthcare – where are we headed?

3 x DIABECON DS TABLETS FROM HIMALAYA HERBAL HEALTH CARE. TOTAL = 180 TAB. $17.10

3 x Pilex Tablets from Himalaya herbal health care. Total is 180 tablets. $12.50

NORTH AMERICAN HEALTHCARE JB4866 ARCHED BACK STRETCHER $2.26

Tapestry 14 Day Pill Holder Health Care Organization Storage Free Shipping NEW $17.95

Black Vinyl 14 Day Pill Holder Health Care Organization Storage Free Shipping $17.95

TIMEX HEALTHCARE DAILY MEDICATION MANAGER PILL DISPENSER / NEW $15.99

Himalaya Herbal Health Care – Septilin – 60 Capsules $0.95

Himalaya – health care – Brahmi Thyme-Leaved Gratiola $9.49

Himalaya Herbal Health Care – Septilin – 60 Capsules $8.95

North American Healthcare JB5462 Air Compression Leg Massager FREE SHIPPING $36.01

FREE LEGACY LIFE HEALTHCARE MEDICAL RX PRESCRIPTION SAVINGS & BENEFITS PORTFOLIO $0.49

Himalaya Herbal Healthcare Glucocare Veg-capsules, 90-Count $20.13

Himalaya Herbal Healthcare Gokshura Caplets, 60-Count $12.30

Himalaya Herbal Healthcare OsteoCare/Reosto, Bone Support, 120- Vegetarian Capsu $23.36

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Oral B Professional Care 5000 Toothbrush – White $159.99 Take care of your teeth and gums with this toothbrush that features Deep Clean mode for removing up to 99.7% of plaque from hard-to-reach places and flossaction technology for overall cleaning. The wireless SmartGuide helps maximize brushing performance.

Enzadent Oral Care Chews Cats Fish Flavoured 24.00 $14 Enzadent Oral Care Chews from a trusted online pet pharmacy. Total Pet Supply offers free shipping all orders over $100

Enzadent Oral Care Chews Rinse with Chlorhexidine 0.12% and Zinc 8.00 $8 Enzadent Oral Care Chews from a trusted online pet pharmacy. Total Pet Supply offers free shipping all orders over $100

Synovial-Flex Joint Care for Dogs Soft Chews 120.00 $39 Synovial-Flex Joint Care for Dogs medication at an affordable price! Total Pet Supply offers pet medications online with exceptional service to pet owners across the United States of America

Synovial-Flex Joint Care for Dogs Soft Chews 240.00 $66 Synovial-Flex Joint Care for Dogs medication at an affordable price! Total Pet Supply offers pet medications online with exceptional service to pet owners across the United States of America

Synovial-Flex Joint Care for Dogs Soft Chews 60.00 $20 Synovial-Flex Joint Care for Dogs medication at an affordable price! Total Pet Supply offers pet medications online with exceptional service to pet owners across the United States of America

Omron Ultra Premium Blood Pressure Monitor with Health Management Software $139 Receive reliable results with this blood pressure monitor that features IntelliSense technology for accurate readings and an 84-reading memory with advanced averaging to help you monitor your health. This product is compatible with Microsoft HealthVault.

Daily Health ProPack™ (30 day supply) $43.49 Advanced nutritional support for a healthy foundation. Go beyond the A, B, Cs of daily vitamins, and reach for advanced nutrition in simple, easy packets: essential daily nutrients, from amino acids to green superfoods, antioxidants to essential fatty acids, digestive enzymes to multivitamins and more. This is a rock-solid foundation you can augment should you have additional nutrient needs. You won't find a comparable daily-packet product on the market!

Fatigued to Fantastic!™ Energy Revitalization System – Tropical Citrus (30 day supply) $35.49 Vitality, Health and Lasting Energy. Boost your energy with Dr. Jacob Teitelbaum's Fatigued to Fantastic!™ Energy Revitalization System. This unique supplement system of more than 50 vitamins, minerals and other crucial nutrients will help you to reclaim your life from the overwhelming fatigue and brain fog that drag you down. Dr. Teitelbaum's clinical experience indicates that after using this energy formula for three months in conjunction with his individualized health care program, most people will notice a 76% improvement in their quality of life.

Fatigued to Fantastic!™ Energy Revitalization System – Berry Splash (30 day supply) $35.49 Vitality, Health and Lasting Energy. Boost your energy with Dr. Jacob Teitelbaum's Fatigued to Fantastic!™ Energy Revitalization System. This unique supplement system of more than 50 vitamins, minerals and other crucial nutrients will help you to reclaim your life from the overwhelming fatigue and brain fog that drag you down. Dr. Teitelbaum's clinical experience indicates that after using this energy formula for three months in conjunction with his individualized health care program, most people will notice a 76% improvement in their quality of life.

Clenz-A-Dent RF2 Wax Home Care 40.00 $11 Clenz-A-Dent RF2 Wax medication at an affordable price! Total Pet Supply offers pet medications online with exceptional service to pet owners across the United States of America

Griffin Technology Screen Care Kit for Archos 7 Internet Media Tablets $14.99 Keep your Archos 7 Internet media tablet’s display looking like new with this screen care kit that features 5 matte-finish, static-peel screen protectors for guarding against bumps and scratches. The cleaning cloth easily removes smudges and fingerprints.

Griffin Technology Screen Care Kit for 4th-Generation Apple iPod touch $14.99 Keep your 4th-generation iPod touch’s display looking like new with this screen care kit that features a cleaning cloth for wiping away fingerprints and dust. The matte-finish, static-peel screen protectors guard against bumps and scratches.

Griffin Technology Screen Care Kit for Zune HD MP3 Players $4.99 This screen care kit features 5 matte-finish, static-peel screen protectors to guard your Zune HD MP3 player’s display against bumps and scratches. The reusable cleaning cloth easily removes smudges, dust and fingerprints.

Griffin Technology Screen Care Kit for 6th-Generation Apple iPod nano $9.99 Keep your 6th-generation Apple iPod nano looking like new with this screen care kit that features a cleaning cloth for removing smudges and 5 matte-finish, static-peel screen protectors to keep grit and dust away from your device’s screen.

UVZ Health Systems Portable Toothbrush Sanitizer – White $19.99 Protect yourself and your family by sanitizing your toothbrushes with this sanitizer that kills up to 99.9% of contagions such as SARS, hepatitis, bacillus, staph, cold and flu viruses. The portable design makes it easy to take with you on the go.

Paws & Claws: Marine Rescue – Nintendo DS $29.99 SynopsisYour heart goes out to poor little animals whenever you see one sick or injured. Your greatest happiness is when you see a lovable critter nursed back to health. Luckily for you, in Paws & Claws: Marine Rescue, you’ve got the tools and the know-how to heal all sorts of marine animals. Animals everywhere should be able to roam about freely and in full health and thanks to you, they can. Rescue, rehabilitate and release animals in Paws & Claws: Marine Rescue. It’s your job to diagnose, treat and care for any marine animal you find that’s injured. With your loving care, these animals will be healthy and happy again in no time. The biggest reward will be when you can set your animal patients free to swim around and play with other animals.

Paws & Claws: Marine Rescue PRE-OWNED – Nintendo DS $17.99 SynopsisYour heart goes out to poor little animals whenever you see one sick or injured. Your greatest happiness is when you see a lovable critter nursed back to health. Luckily for you, in Paws & Claws: Marine Rescue, you’ve got the tools and the know-how to heal all sorts of marine animals. Animals everywhere should be able to roam about freely and in full health and thanks to you, they can. Rescue, rehabilitate and release animals in Paws & Claws: Marine Rescue. It’s your job to diagnose, treat and care for any marine animal you find that’s injured. With your loving care, these animals will be healthy and happy again in no time. The biggest reward will be when you can set your animal patients free to swim around and play with other animals.

Duac (Clindamycin phosphate, benzoyl peroxide) Care System 1.00 $184 Duac (Clindamycin phosphate, benzoyl peroxide) for unbeatable prices at TotalPetSupply.com Today’s trusted online pet store that dispenses the best quality pet medications.

Paws & Claws Pet Vet PRE-OWNED – Nintendo Wii $17.99 SynopsisTaking care of animals is very hard work, but it’s worth it. As a veterinarian, you must use your skills to help injured dogs, cats, horses and more. Treat your patients at your very own clinic using your medical expertise and caring touch, while growing your practice into a thriving business. These animals will receive the best care possible in your hands. Paws & Claws Pet Vet lets you nurse cuddly companions back to health. Treat nine different animals, including cats, dogs, horses and more. Use your Wii Remote to sweep the floor and make sure it’s spotless for your patients. Expand your practice by adding a horse stable and paddock, therapy facility, kennel or give your business a face-lift with a large garden. Grow your pet care business and make best friends for life.

Timex Health Touch Heart Rate Monitor Watch – Black $44.99 Track your workout performance with this watch that features a calorie counter and target zone function that monitors your heart rate and alerts you when you’ve reached your target rate during your exercise routine.

Oral-B Professional Care 3000 Electric Toothbrush – White/Blue $79.99 This electric toothbrush features a round brush head that pulsates to break up plaque and rotates to sweep it away. Three cleaning modes include daily clean, sensitive and whitening for a custom routine.

Honeywell Easy-to-Care 1 Gal Cool Moisture Humidifier – White $44.99 Keep your home comfortable with this cool moisture humidifier that runs for up to 36 hours on a single filling. The top fill design makes filling easy and an antimicrobial filter prevents the growth of mold, fungus and bacteria for cleaner air.

Honeywell Easy to Care 15-Gal Cool Mist Humidifier – White $59.99 This humidifier features a 1.5-gal. capacity reservoir that provides up to 48 hours of operational time before needing to be refilled. Three moisture-output settings offer multiple humidifying options.

Honeywell Ultrasonic Easy to Care 1-Gal Cool Mist Humidifier – White $59.99 This humidifier features a 1-gal. reservoir capacity that provides up to 24 hours of moisture output per filling and a top-fill design for easy refilling.

BISSELL Auto Care Proheat Portable Deep Cleaner – Black $99.99 Easily remove tough spots and stains with this vacuum that features a hot water heater for maximum cleaning. The compact design ensures easy portability and the 15′ cord length allows you to reach a large area before needing to move on to another electrical outlet.

Pet Pals: Animal Doctor PRE-OWNED – Nintendo DS $9.99 SynopsisAnimals need tender loving care to stay happy and healthy, just like people do, and you’re just the compassionate veterinarian needed to bring a variety of animals back to good health. Step into the world of veterinary medicine as an eager young rookie, and do your best to diagnose, treat and heal the many patients who come through your door in order to work your way through the ranks of your chosen profession. With your care and expertise, your patients will be on the road to good health and you’ll be well on your way to becoming a top vet. In Pet Pals: Animal Doctor, you’ll find yourself facing 30 medical cases created by real veterinarians, spanning everything from simple infections to complex broken bones. Tend to 23 different types of animals, including a Yorkshire terrier, a python, a parakeet, a Siamese cat and a hamster, using your DS touch screen to administer more than 40 tests, interact with your patients and their owners and more. Follow up with your patients in the Recovery Room, where you’ll bandage, feed, clean and play with your healing charges, and enhance your veterinary knowledge with a variety of instructive mini games, including Memory, Trivia Quiz and Jigsaw Puzzle.

Animal Planet: Vet Life PRE-OWNED – Nintendo DS $19.99 SynopsisYou’re on your way to becoming a world-renowned veterinary doctor. Under the guidance of Dr. Rogers, you will travel the world, volunteering at local vet clinics and performing numerous procedures to save injured animals. With your help, these wild and domesticated animals will be back to good health in no time. Animal Planet: Vet Life lets you take on the role of Jack or Abani as you journey across the globe, treating a variety of animals in different settings. Help more than 40 animals, including farm and wild animals as you perform 60 procedures, from routine check-ups to fixing broken bones. Feed, pet and exercise animals as part of their post-operative care and learn valuable facts about animals. These animals will receive the best care possible with you as their veterinarian.

Animal Planet Vet Life PRE-OWNED – Nintendo Wii $24.99 SynopsisYou’re on your way to becoming a world-renowned veterinary doctor. Under the guidance of Dr. Rogers, you will travel the world, volunteering at local vet clinics and performing numerous procedures to save injured animals. With your help, these wild and domesticated animals will be back to good health in no time. Animal Planet: Vet Life lets you take on the role of Jack or Abani as you journey across the globe, treating a variety of animals in different settings. Help more than 40 animals, including domestic and wild animals, as you perform 60 procedures, from routine check-ups to fixing broken bones. Feed, pet and exercise animals as part of their post-operative care and learn valuable facts about them. These animals will receive the best care possible with you as their veterinarian.

Discovery Kids: Dolphin Discovery PRE-OWNED – Nintendo DS $12.99 SynopsisThe crowd waits with eager anticipation as you prepare for the next performance. At your signal, your pet dolphin leaps gracefully from the water, its body glistening in the sunlight. You’ve practiced for this moment, and your dolphin executes every aspect of your well-planned routine to perfection. You feel pride welling up in you as the audience bursts into excited applause, and your dolphin lifts its head from the water and seems to be grinning right along with you. In Discovery Kids: Dolphin Discovery, you’ll have the chance to care for and train your very own pet dolphin. Raise and nurture it to ensure its health and happiness, and gain its trust through your thoughtful care. Teach your dolphin a variety of tricks and routines, working together to perfect them. Then go in front of an audience for a performance and reap the rewards of the crowd’s applause.

Discovery Kids: Pony Paradise PRE-OWNED – Nintendo DS $12.99 SynopsisYour greatest wish has always been for a pony of your very own. Now, with Discovery Kids: Pony Paradise, that dream can become a reality. In this charming simulation, you can adopt an adorable pony and raise it from birth to adulthood. Lavish your tender loving care on your pony pal to ensure its health and happiness for the long haul. A world of equine discovery awaits in Pony Paradise. Adopt a pony from any of four realistic breeds, and give your new best friend the care it needs to grow and flourish. Groom your pony, feed it and take it for rides in a variety of cool 3D environments, ranging from a lovely meadow to the bustle of the circus. You can even accessorize your pony with more than 60 unique collectible items to make sure your pet is the most stylish around.

Animal Planet: Emergency Vets PRE-OWNED – Nintendo DS $12.99 SynopsisAs an up-and-coming veterinarian at the Alameda East Hospital, your job is taking good care of animals. From cleaning teeth and medicating to the intricacies of performing operations, your knowledge and skills help keep a wide variety of animals in good health. Show off your veterinary talents when the pressure’s on as you prove you have what it takes to be a real Emergency Vet. In this interactive game based on the Animal Planet series Emergency Vets, you’ll find yourself charged with taking care of 30 different animal species, ranging from dogs and cats to horses and ferrets. Learn real-life veterinary information from Animal Planet and talent from the TV series. Put your knowledge to work as you perform 15 vet mini games, including memory, puzzle and matching games, each with five levels of difficulty.

Citizen Digital Blood Pressure Wrist Monitor $59.99 Monitor your health with this wrist monitor that measures blood pressure and features a blood pressure log for effective tracking of your health.

Moshi Monsters: Moshling Zoo PRE-OWNED – Nintendo DS $24.99 SynopsisThe world’s fastest growing online game for children has made its way to the Nintendo DS. Prepare for an adventure packed with monstrously good times as you make your way through the Wooly Wilderness. Encounter all sorts of Moshi Monsters and add them to your awesome collection in Moshi Monsters: Moshling Zoo. How many will you find? Explore the Wooly Wilderness in Moshi Monsters: Moshling Zoo during your quest for ultra rare Moshlings as you try to expand your own Moshling Zoo. Upgrade your Moshling’s level, mood, health and happiness by playing exciting Moshi mini games. Journey to all-new sections of Monstro City, like Buster’s Baby Care, the Glormatorium and Raaghly’s Stararcade. Unlock Moshi Monsters rewards, including achievements, trophies and super secret items on MoshiMonsters.com. The Monsters are somewhere out in the wilderness. Embark on a thrilling adventure to track them down.

Think Clear™ (60 medium veggie capsules) $20.49 Most complete cognitive support formula available. Think Clear™ utilizes four top-rated nutrients for brain and memory health to effectively support cognitive function. This complex formula enhances circulation and oxygen flow to the brain to promote optimal cell health, as well as supporting information transmission from cell to cell.

Quicken WillMaker Plus 2012 – Windows $49.99 When it comes to creating a will, you want to ensure your family is taken care of, your property is protected and your wishes are all taken into account. But between legal jargon and complicated guidelines, it can seem like a daunting task. Simplify the writing of your will and ensure that everything is in order with the help of Quicken WillMaker Plus 2012, and breathe easy knowing that your family and property will be safe in the future. Create an effective estate plan and ease the burden on your loved ones by sparing them difficult decisions with Quicken WillMaker Plus 2012. Create your last will and testament to ensure your final wishes are made clear and you control who inherits your property. Establish a Health Care Directive and specify your medical wishes in case there’s a time when you can’t speak for yourself. Appoint a Financial Power of Attorney and grant them as much authority as you wish to make financial decisions. Lay out your final arrangements and describe your preferences for burial, cremation, memorials, obituaries and more.

Zyflamend™ by New Chapter (60 small/medium softgels) $24.49 Herbal support for COX-2 and Inflammation Health*. New Chapter's Zyflamend represents a scientific breakthrough in herbal, COX-2 support to promote a healthy inflammation response.

Red Yeast Rice 1200 mg by Doctor’s Best (1200mg, 60 tablets) $22.99 Promotes Heart Health. Best Red Yeast Rice contains rice that has been naturally fermented with red yeast (Monascus purpureus) according to traditional methods.

Lorex LIVE Connect home monitoring system $129.99 The LIVE Connect is a device for parents, families, pet-owners or care-givers that need to stay aware of everything happening in their home

Vitamin K-2 (100mcg, 100 VCaps) $11.49 Supports a Strong Bone Matrix. Promote your overall health with the most biologically active form of vitamin K. Even if you take a calcium supplement, your body may not be able to take advantage of its benefits. Recent research has found that vitamin K-2 is a key factor in regulating calcium in the body, ensuring better bone and arterial health, supporting calcium metabolism in vascular structures, promoting normal blood clotting, and providing important bone health benefits.

Spotmau PowerSuite 2011 $39.95 Spotmau PowerSuite 2011 is a big helper for ordinary users who need assistance in computer maintenance and optimization. It includes more than 40 features, such as PC Health Check, Optimize and speed up computer, Diagnose and fix registry and system errors, Clean up computer activity tracks, Build “Personal Safe” for sensitive data, Backup and restore files and system, Clone, partition, and format hard drive, Recover deleted, damaged, or formatted files and even more. It can almost solve all PC problems and be easily installed and used in users’ Windows.

Spotmau PowerSuite Golden Edition $69.95 Spotmau PowerSuite Golden Edition includes key features below and more. PC Health Check provides 360° PC healthy status check. 1-click to check all the most important items of your PC & Windows and 1-click to fix all the weak items affecting your PC health. Windows Recovery provides a complete solution to recover your corrupt Windows. TuneUp Kit cleans your Windows registry; Enables you to choose which programs and services to run automatically at Windows startup; Optimizes your network speed; Cleans your hard disk, Windows and IE/Firefox privacy data; Removes your unwanted applications. Windows Backup & Restore backup and recovery your Windows, partition table, master boot record and registry periodically. Password & Key Finder finds your lost passwords for Email, MSN, IE and asterisks; finds your Windows, Office and IE product or CD keys. Windows Password Finder can easily reset Windows 7/Vista/2003/XP/2000/NT administrator/user password to blank. Security & Privacy clears up all your activity records in your computer to protect your privacy. Data Recovery (Undelete, Unformat, Raw Rescue) recovers files from an accidentally formatted or reinstalled partition/disk; restore files that have been deleted accidentally. Disk Backup/Restore provides all kinds of backup/restore options under Windows or when Windows crashes. Partition Genius is a powerful partition management tool, it can create/delete/format your partitions; convert one partition type to another; resize/move/split/merge your partitions; hide/show a partition; work perfectly under Windows and Spotmau CD.

ExcellentE™ (Vitamin E Tocotrienol) (125mg, 30 softgels) $21.49 Pure, Natural Delta Tocotrienol. Derived from the rainforest plant annatto, our tocotrienol vitamin E has been proven to contain unique health benefits not shared with its vitamin E counterpart tocopherol.

Sea Buckthorn Force™ with Omega-7 (60 softgels) $41.95 Antioxidant Protection, Anti-aging and Digestive Support*. Sea Buckthorn is comprised of both palmitoleic and cis-vaccenic acids and has been used in the ancient tradition for centuries to promote skin, urogenital and digestive health.*

Pacific Coast¨ Luxury 600tc Duvet Cover (Cappuccino) – Queen $129.99 New! Our beautiful 600 thread-count Luxury duvet covers are 100% Eyptian cotton and machine washable for easy care.

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