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    Dr. Marcinko is originally from Loyola University MD, Temple University in Philadelphia and the Milton S. Hershey Medical Center in PA; as well as Oglethorpe University and Emory University in Georgia, the Atlanta Hospital & Medical Center; Kellogg-Keller Graduate School of Business and Management in Chicago, and the Aachen City University Hospital, Koln-Germany. He became one of the most innovative global thought leaders in medical business entrepreneurship today by leveraging and adding value with strategies to grow revenues and EBITDA while reducing non-essential expenditures and improving dated operational in-efficiencies.

    Professor David Marcinko was a board certified surgical fellow, hospital medical staff President, public and population health advocate, and Chief Executive & Education Officer with more than 425 published papers; 5,150 op-ed pieces and over 135+ domestic / international presentations to his credit; including the top ten [10] biggest drug, DME and pharmaceutical companies and financial services firms in the nation. He is also a best-selling Amazon author with 30 published academic text books in four languages [National Institute of Health, Library of Congress and Library of Medicine].

    Dr. David E. Marcinko is past Editor-in-Chief of the prestigious “Journal of Health Care Finance”, and a former Certified Financial Planner® who was named “Health Economist of the Year” in 2010. He is a Federal and State court approved expert witness featured in hundreds of peer reviewed medical, business, economics trade journals and publications [AMA, ADA, APMA, AAOS, Physicians Practice, Investment Advisor, Physician’s Money Digest and MD News] etc.

    Later, Dr. Marcinko was a vital and recruited BOD  member of several innovative companies like Physicians Nexus, First Global Financial Advisors and the Physician Services Group Inc; as well as mentor and coach for Deloitte-Touche and other start-up firms in Silicon Valley, CA.

    As a state licensed life, P&C and health insurance agent; and dual SEC registered investment advisor and representative, Marcinko was Founding Dean of the fiduciary and niche focused CERTIFIED MEDICAL PLANNER® chartered professional designation education program; as well as Chief Editor of the three print format HEALTH DICTIONARY SERIES® and online Wiki Project.

    Dr. David E. Marcinko’s professional memberships included: ASHE, AHIMA, ACHE, ACME, ACPE, MGMA, FMMA, FPA and HIMSS. He was a MSFT Beta tester, Google Scholar, “H” Index favorite and one of LinkedIn’s “Top Cited Voices”.

    Marcinko is “ex-officio” and R&D Scholar-on-Sabbatical for iMBA, Inc. who was recently appointed to the MedBlob® [military encrypted medical data warehouse and health information exchange] Advisory Board.



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Caffeine, Health and Health Insurance Premiums

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Physically Harmful, Risk Premium Rated — or Not?

[By Dr. David Edward Marcinko MBA CMP™]


Q: As both a doctor and health insurance agent, back in the day, many patients asked me about the health effects of caffeine consumption; especially malpractice attorneys during my expert witness depositions.

Other clients often wondered about how consumption affected their health insurance premium quotes.

A-1: Here are some reported effects of caffeine. The following effects are commonly attributed to over-use of caffeine. While reading them, bear in mind that what is true for one person may not be true for someone else:

1. Stimulates your heart, respiratory system, and central nervous system

2. Makes your blood more `sludgy’ by raising the level of fatty acids in the blood

3. Causes messages to be passed along your nervous system more quickly

4. Stimulates blood circulation

5. Raises blood pressure

6. Causes your stomach to produce more acid

7. Irritates the stomach lining

8. Makes digestion less effective by relaxing the muscles of your intestinal system

9. Its diuretic effect caused increased urination – although you’d have to drink about 8 coups of coffee in one sitting for this to occur

And so, here is an additional sampling of information about the health effects of caffeine.

A-2: And, caffeine has no affects on health insurance premium rates; smoking does!


Source: www.freeinsurancequotes.net


Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.

Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com


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8 Responses

  1. Average Annual Health Insurance Premium Trends for Family Coverage 2000-13

    2000: $6,438
    2004: $9,950
    2008: $12,680
    2010: $13,770
    2013: $16,351

    Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013


  2. Andrew Moran: 10 States To Face The Largest Increases In Premiums For The Typical Family

    1. Delaware- 100 %
    2. New Hampshire- 90 %
    3. Indiana- 54 %
    4. California- 53 %
    5. Connecticut- 45 %
    6. Michigan- 36 %
    7. Florida- 37 %
    8. Georgia- 29 %
    9. Kentucky- 29 %
    10. Pennsylvania- 25 %

    Source: Digital Journal


  3. Caffeine overdose ruled cause of prom king’s death

    A caffeine overdose has been ruled the cause of an Ohio prom king’s sudden death before graduation in May.




  4. Premiums for Employer-Sponsored Health Insurance Rose 4% This Year
    [Caffeine Not-With-Standing]

    Kaiser Family Foundation recently released their 2015 Employer Health Benefits Survey. Here are some key findings from the report:

    • Premiums for employer-sponsored health insurance rose an average of 4% this year.
    • Since 2005, premiums have grown an average of 5% per year, compared to 11% annually from 1999-2005.
    • The average annual premium for single coverage is $6,251, of which workers on average pay $1,071.
    • Workers contribute an average $4,955 to the average family premium of $17,545.
    • 81% have plans with general annual deductibles, which average $1,318 for single coverage.
    • Since 2010, there has been a 67% increase in health insurance deductibles.

    Source: Kaiser Family Foundation, September 22, 2015


  5. Average Worker Health Plan Premium Contribution by Type, 2016

    1. HMO, Single – $1,207
    2. HMO, Family – $5,389
    3. PPO, Single – $1,237
    4. PPO, Family – $5,569
    5. POS, Single – $1,011
    6. POS, Family – $6,791
    7. HDHP/SO, Single – $943
    8. HDHP/SO, Family – $4,289
    9. All Plan Types, Single – $1,129
    10. All Plan Types, Family – $5,277

    Source: Kaiser Family Foundation


  6. Yearly Health Insurance Premiums Were $12,012 For Top Earners 2018

    A new analysis compared average premium data from the Internal Revenue Service (IRS) to data from the Current Population Survey (CPS). Here are some key findings from the report:

    • In the top wage quintile, mean premiums were $12,012 (IRS data) and $10,624 (CPS).
    • Premiums were $9,394 using IRS data ($8,080 with CPS data) in the fourth quintile.
    • In the middle quintile, premiums were $7,371 using IRS data ($6,625 using CPS).
    • Average premiums for employer health insurance are $1,000 higher using IRS data.

    Source: MarketWatch, May 9, 2018


  7. Health Insurance Premiums

    Overall premiums for employer health plans (employer and employee share) grew by 4.4 percent for single plans and 5.5 percent for family plans in 2017. Between 2016 and 2017, employee premium contributions rose by 6.8 percent to $1,415 for single-person plans and by 5.3 percent to $5,218 for family plans. The average deductible for single policies rose to $1,808 in 2017, a 6.6 percent increase.

    Source: The Commonwealth Fund, December 7, 2018


  8. Average Employer-Sponsored Health Insurance Premiums Rose 4%

    Kaiser Family Foundation recently released their 2020 Employer Health Benefits Survey results. Here are some key findings from the report:

    • In 2020, employer-sponsored coverage premiums are $7,470 for single and $21,342 for family coverage.
    • The average single and family premium increased 4% over the past year.
    • Average annual dollar amounts contributed by workers are $1,243 (single) and $5,588 (family).
    • Covered workers contribute 17% of the premium for single and 27% for family coverage.

    Source: Kaiser Family Foundation, October 8, 2020


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