All About Affordable Health Insurance Plans

While consumers look for cheap health insurance, they have got a rate in their mind because of the pinnacle precedence. A popular conception a number of the clients is that cheap fitness plans ought to now not be steeply-priced-the cheapest health plan available inside the marketplace is their target. However, this approach isn’t always appropriate. Sometimes, deciding to buy a cheap health insurance plan however nonetheless not getting the desired stage of insurance outcomes simplest in wastage of money.


With the implementation of the lower priced care act, the attain of less expensive fitness plans is ready to grow. Or at least, this is what is believed to be the objective of health care reforms. However, plenty of customers are nonetheless in confusion approximately how matters might work. In this text, we will discuss a few targeted options that consumers can try even as searching to shop for less expensive health plans.


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To get a hand on cheap medical insurance plans, customers need to take of certain matters. First amongst them is set understanding the options within the particular kingdom of the house. There are plenty of national and federal authorities-run packages that might be suitable for clients. Knowing the alternatives is quite essential. Next might be to understand the terms and conditions of all of the programs and check the eligibility standards for everyone in every of them. Further, consumers must realize their rights after the implementation of healthcare reforms, and something inside some days, they will qualify for a selected software or will be allowed to avail a specific medical insurance plan. If clients deal with those steps, there is no purpose why clients can’t land on a low-cost health plan that could cater to the hospital treatment wishes.


While thinking about California, there are 3 less costly medical health insurance plans which are run with the aid of the state authorities. Consumers can truly get benefitted by using those if they are eligible for the blessings.

• Major Risk Medical Insurance Program (MRMIP)

This software is a totally available one offering confined fitness blessings to California residents. If consumers are unable to buy fitness plans because of a preexisting clinical situation, they are able to see in the event that they qualify for this program and get blessings.

• Healthy Families Program

Healthy Families Program offers Californians with low-cost fitness, dental, and vision coverage. This is especially geared to kids whose parents earn an excessive amount of to qualify for public assistance. This software is run by way of MRMIP.

• Access for Infants and Mothers Program (AIM)

Access for Infants and Mothers Program presents prenatal and preventive care for pregnant women having low profits in California. It is run via a 5-man or woman board that has installed a complete benefits package that includes each inpatient and outpatient care for application enrollees.

Health Care Reform – Busting The 3 Biggest Myths Of ObamaCare


In the previous few months, we’ve visible a whole lot of Health Care Reform regulations and guidelines being delivered by the Health and Human Services Department. Every time that happens, the media receives preserve of it and all varieties of articles are written within the Wall Street Journal, the New York Times, and the TV network news programs talk approximately it. All the analysts begin to speak me approximately the professionals and cons, and what it way to businesses and people.

The hassle with this is, often times one creator looked at the regulation and wrote a piece about it. Then other writers start the use of portions from that first article and rewriting parts to suit their article. By the time the facts receives broadly dispensed, the real policies and guidelines get twisted and distorted, and what definitely suggests up inside the media every now and then just doesn’t sincerely represent the fact of what the guidelines say.

There’s a number of misunderstanding approximately what goes on with ObamaCare, and one of the things that I’ve observed in discussions with customers is that there’s an underlying set of myths that human beings have picked up approximately health care reform that simply is not proper. But due to all they have got heard within the media, human beings accept as true with these myths are actually genuine.

Today we are going to talk about 3 myths I hear most typically. Not every person believes these myths, however sufficient do, and others are uncertain what to consider, so it warrants dispelling these myths now.

The first one is that health care reform simplest impacts uninsured people. The 2d one is that Medicare advantages and the Medicare application aren’t always going to be stricken by health care reform. And then the last one is that health care reform is going to lessen the costs of health care.

Health Care Reform Only Affects Uninsured

Let’s take a look at the primary fable about health care reform simplest affecting uninsured people. In numerous the discussions I actually have with clients, there are numerous expressions they use: “I have already got insurance, so I won’t be laid low with ObamaCare,” or “I’ll just maintain my grandfathered medical insurance plan,” and the closing one – and this one I can supply them a touch bit of leeway, because part of what they’re pronouncing is actual — is “I have institution medical health insurance, so I won’t be stricken by health care reform.”

Well, the fact is that health care reform is, in reality, going to affect everybody. Starting in 2014, we’re going to have a whole new set of health plans, and those plans have very wealthy blessings with lots of greater functions that the existing plans nowadays do not provide. So these new plans are going to be a better price.

Health Care Reform’s Effect On People With Health Insurance

People that presently have medical health insurance are going to be transitioned into those new plans someday in 2014. So the insured will be directly laid low with this because the health plans they have these days are going away, and they’ll be mapped into a brand new ObamaCare plan in 2014.

Health Care Reform Effect On The Uninsured

The uninsured have an additional trouble in that in the event that they do not get medical insurance in 2014, they face a mandate penalty. Some of the healthful uninsured are going to examine that penalty and say, “Well, the penalty is 1% of my adjusted gross earnings; I make $50,000, so I’ll pay a $500 penalty or $1,000 for medical insurance. In that case, I’ll just take the penalty.” But either manner, they may be without delay stricken by fitness care reform. Through the mandate, it impacts the insured in addition to the uninsured.

Health Care Reform Effect On People With Grandfathered Health Plans

People which have grandfathered health insurance plans aren’t going to be immediately tormented by fitness care reform. But due to the life cycle in their grandfathered fitness plan, it’ll make those plans greater costly as they discover that there are plans available now that they can without difficulty transfer to which have a richer set of benefits that would be extra beneficial for any chronic health troubles they’ll have.


For folks that live in those grandfathered plans, the pool of subscribers within the plan are going to start to reduce, and as that occurs, the price of those grandfathered medical health insurance plans will increase even quicker than they’re now. Therefore, human beings in grandfathered fitness plans will also be impacted by ObamaCare.

Occupational Health – Workplace Health Management

Workplace health promotion is seen within the EU network Luxembourg Declaration as a current company strategy which objectives at stopping unwell-fitness at paintings and improving health selling capacity and well-being within the group of workers. Documented blessings for a place of work programs encompass decreased absenteeism, reduced cardiovascular risk, decreased health care claims, reduced staff turnover, decreased musculoskeletal accidents, increased productiveness, accelerated organizational effectiveness and the capability of a return on investment.

Health Management


However, a lot of those enhancements require the sustained involvement of personnel, employers, and society within the sports required to make a distinction. This is achieved thru the empowerment of personnel allowing them to make decisions approximately their own fitness. Occupational Health Advisors (OHA) are well placed to carry out desires assessment for health advertising tasks with the operating populations they serve, to prioritize those tasks along different occupational fitness and protection projects which can be underway, and to coordinate the sports on the organisation stage to make certain that tasks which might be planned are introduced. In the past occupational fitness, offerings had been concerned inside the evaluation of fitness to paintings and in assessing levels of disability for insurance functions for many years.


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The idea of keeping running potential, within the otherwise healthful running populace, has been developed by using a few modern occupational health services. In a few instances, these efforts were advanced in response to the developing challenge caused by the growing old group of workers and the ever-growing cost of social security. OHA’s have often been at the leading edge of these developments.

There is a need to develop in addition the focus of all occupational health services to include efforts to preserve paintings potential and to prevent non-occupational place of business preventable situations with the aid of interventions on the place of job. This will require a few occupational health offerings to come to be extra seasoned-actively involved in workplace health merchandising, with out reducing the eye paid to prevent occupational accidents and diseases. OHA’s, with their close touch with personal, sometimes over a few years, is in an amazing role to plan, supply and evaluate health advertising and preservation of work capability interventions on the workplace.

Men’s Health

Health promoting at paintings has grown in significance over the last decade as employers and personnel understand the respective blessings. Working people spend about half in their non-sleeping day at paintings and this provides a great possibility for employees to proportion and obtains diverse health messages and for employers to create wholesome working environments. The scope of health promoting depends upon the wishes of every group.

Some of the most not unusual health advertising activities are smoking decreasing sports, healthful nutrients or physical workout applications, prevention and abatement of drug and alcohol abuse.

However, health merchandising will also be directed in the direction of different social, cultural and environmental fitness determinants, if the people in the enterprise take into account that those factors are important for the improvement in their health, properly-being, and fine of life. In this case factors together with improving work company, motivation, reducing strain and burnout, introducing bendy working hours, private development plans and profession enhancement may also help to make a contribution to overall fitness and nicely-being of the running community.

The Healthy Community placing In addition to occupational fitness and place of job health promotion there is also some other crucial thing to Workplace Health Management. It is related to the effect that each organization may also have on the encompassing ambient surroundings, and via pollutants or services or products provided to others, its effect on remote environments. Remember how some distance the outcomes of the Chernobyl Nuclear twist of fate in 1986 affected whole neighboring international locations.

Management Skills

Although the environmental health impact of groups is managed by using exceptional regulation to that which applies to Health and Safety at work, there may be a strong dating among safeguarding the running environment, improving paintings agency and operating tradition within the corporation, and its approach to environmental fitness control.


Many leading organizations already integrate occupational health and safety with environmental fitness control to optimally use the available human resources in the corporation and to avoid duplication of effort. Occupational health nurses can make a contribution in the direction of environmental fitness control, especially in the one’s corporations that don’t employ environmental health specialists.

Redefining Health inside the 21st Century

What we cannot define, we can not locate; for our definition determines our vacation spot. One of the humanity’s best debacle is the allegiance to history as a trendy for the existing and the future. Humanity is a lot indebted to old thoughts to the factor wherein, wondering something new looks like a disloyalty to the legends of old. History must not be a standing quo or an imperative widespread for the present and the destiny, but a thought for the correction of the prevailing and the redirection of the destiny for a higher destiny for mankind. With recognize to achieving fitness for all in the 21st century, humanity must outgrow vintage thoughts and methods, to the expounding of new methods, approaches, ideologies, and techniques in securing health for mankind. “The sizeable issues we are dealing with can’t be solved on the identical degree of thinking we wherein at whilst we created them.

Definition of Management

In the past, health turned into described as having both frame and mind running in good order, free from diseases and pains. If this declaration has been not able to offer humanity with insight on securing fitness for humanity, then it’s miles expedient for humanity to think out of the popularity quo. There is no way humanity can clear up the health demanding situations of the twenty-first century besides within the braveness of exploring the unknown. With appreciate to the twenty-first-century fitness plan, health is defined as an included kingdom of being, of the human frame, soul, and spirit functioning in absolute soundness. Thus, health isn’t always the absence of pains or bodily signs and symptoms of illnesses and diseases. There are people with no signs and symptoms of pains, illness, and sicknesses, yet they may be near their grave. There are equally people who died while not having any physical signs of pains or disorder. Though they regarded to be exceptional, they died abruptly due to the fact they had been no longer wholesome.

Health is a whole lot more than the absence of pains or disease, however an integrated kingdom of being with the human body, soul, and spirit functioning in absolute soundness. Health is an incorporated impact with a motive; which suggests, fitness isn’t always a coincidence or an unintentional incidence, however, the resultant effect of the relative functioning of the human frame, soul and spirit in absolute soundness. Let me make this clear, health is not a venture we will solve through our shallow efforts. That is why in spite of all human efforts in achieving health, health has remained an excessive challenge. To gain health for all in the twenty-first century, humanity needs to prevent joking. We have to realize that, we’re managing a challenge which if now not resolved, billions of humans can be wiped out earlier than the case of this century. For fitness to be executed inside the twenty-first century, humanity should adopt a more complete and incorporated technique deliberating the overall human being; frame, soul, and spirit. I wish via now we’re civilized enough to recognize that the human being isn’t always an animal, however, a complicated being with three associated dimensions (body, soul, and spirit).Any fitness plan which focuses most effective on one dimension of the person will end in failure. An individual must improve in his frame, soul, and spirit to enjoy fitness.

Insight at the Human Being

The human being is the most complicated species in all of life. Until now, little has been located approximately the human being. What is in existence as records concerning the man or women is but “skeleton”. The man or women is the world but unexploited. The lack of know-how about the totality and the truism of the person is the best mission to human evolution and development. The complete knowledge of the truism of the human being may be the quiet of human distress and frustration. The man or women is basically a supernatural being, owning a soul and living interior a frame. This announcement is a normal reality agreed upon through all Universalists and equally showed within the frequent lab manual or the divine charter. The spirit of man is the ‘real property’ of guy, with the soul because of the intermediary between the spirit of man and the body. The human spirit possesses the science of existence, which defines people as having the supremacy over all outside elements.


When this attention is transferred to the human soul and frame, human immunity and resistance in opposition to diseases and sicknesses are more advantageous. The reality that the human frame is the simplest visible measurement of the man or women does no longer outline the body as the sole constituent of man. Limiting the man or women to just his physical frame can be the most tragic mistakes. Humans aren’t animals. The most tragic educational mistake is that of classifying people and animals under the identical group. This educational mistake is due to the confined attitude approximately the individual. This perspective considers the human body as the only constituent of guy. This academic mistake has produced a low mentality and awareness amongst humans. Today, humans stay and behave as animals due to this error. Humans even go through the same fate as animals. The day has, in the end, come to eliminate this human lack of knowledge.

Health as opposed to restoration

One of the mistakes humanity has made for several centuries is that of substituting healthy for restoration. This error has lasted for see you later that humanity has unconsciously resorted to healing programs in the name of health applications.
Healing itself being the sluggish restoration of an ill or diseased human is different from fitness, which is a nation of absolute soundness (frame, soul, and spirit). Substituting health for recovery makes humanity more reactive than seasoned-lively. When we recognition on fitness, we grow to be greater seasoned-active and preventive than reactive.

Focusing on recovery involves allowing the man or women to start with be attacked through sickness and disorder before looking for her recuperation. While fitness entails pro-active investment to have an individual sound in the frame, soul, and spirit as an integrated effort toward freedom from illnesses and diseases. Healing is a recovering and a comfort from pains but fitness is a kingdom of being. One can be healed these days and ill the following day, however, fitness implies, a character is a sound in frame, soul, and spirit. Friend, recovery as to fitness is rather reasonably-priced and on occasion clean to return by using, however, health is a leap forward which demands quite a few awareness and awareness on one’s body, soul and spirit situations.

With recognize to the 21st-century fitness plan, sickness and ailment are taken into consideration as an affected nation of being, because of a deficiency in one’s frame, soul and spirit condition. This implies, an individual is bad, unwell and diseased so long as there exists a deficiency in his/her body, soul, and spirit circumstance. This explains why human beings sometimes die without any sort of outward sickness or pains. The problem is that we think a sick individual should be below a few type of pains. There are human beings searching noticeably OK, but terribly ill. This is due to the fact now not all sicknesses are bodily. Body sicknesses can be easily identified, but diseases of the soul and of the spirit can not be diagnosed via any clinical means. Thus, for a person to be termed healthful, such must maintain a relative state of soundness in frame, soul, and spirit. Equal and relative functioning of the human frame, soul, and spirit in ideal harmony and soundness is the eternal get right of entry to fitness.

Most of what’s described as health centers these days are but restoration centers yet to reach the entire reputation of a health center. A restoration center is any center, be it clinical, psychiatric or spiritual center in which the unwell and diseased are cater for or ministered to. While a fitness center is a center of included science, where profound and prolific perception on the person (frame, soul, and spirit) are communicated and imparted; which will empower people each in their frame, soul, and spirit to for all time conquer illnesses and illnesses. Such a center need to be a studies center which regularly researchers on both instructional, clinical and insightful divine records and intelligence needed for human supremacy over diseases and sicknesses. Healing requires remedy, however, fitness requires much more than medicine. The greatest funding in health awareness is information.

Health Information

I am now not speaking me right here of everyday understanding; I am talking of superior educational, scientific and divine understanding containing the reality which unveils the truism of the man or women (frame, soul, and spirit) with all their relative needs and demands. Thus, while you discover a real health center, you may see an area wherein the full technology of the human being is unveiled, with teachers and medical doctors who are inter-complete, possessing uncommon perception on the full science of human lifestyles and functionality. Presently, such centers are not existent. This is the best mission of the twenty-first century.

The whole world is dotted with healing centers catering and administering to the sick and diseased without any investment in their education with admire to accomplishing fitness. This has led to the state of affairs we’ve today of human beings continuously victimized and forever depending on tablets and different healing mediums without ever graduating to health. You may ask what my proposition is: my proposition is for each restoration center to combine her efforts of relieving those who are sick and diseased with instructing the humans on health sciences. This is the handiest way we are able to overcome illnesses and illnesses inside the twenty-first century. Healing – Health = a victimized human, one invariably depending on drugs, in preference to the truism of fitness.

It appears to me that, humanity is dropping faith on pursuing total health. We have been cowed by means of numerous fitness challenges to the point wherein, we’re as an alternative reading a way to a characteristic in abnormalities. The standard slogan in maximum locations today is how to stay with AIDS, malaria, or some other sickness. Such cowardly method and mindset can’t be rewarded with perception on human conquer sicknesses and illnesses. While seeking for better ways in relieving the ill and the disease, we must not fail to embark on continuous studies, in an effort to find the truth so one can all the time empower people to triumph over illnesses and illnesses. This is the challenge of the twenty-first century.

Health Care Reform – Why Are People So Worked Up

Why are Americans so worked up approximately fitness care reform? Statements along with “do not contact my Medicare” or “everybody should have to get entry to kingdom of the art health care no matter price” is in my view uninformed and visceral responses that suggest a negative know-how of our health care machine’s records, it’s current and future assets and the funding demanding situations that America faces going forward. While we all wonder how the fitness care device has reached what some discuss with as a crisis degree. Let’s try and take a number of the emotion out of the controversy via briefly analyzing how fitness care on this u. S . A . Emerged and how that has formed our wondering and way of life about fitness care. With that as a foundation permit’s take a look at the pros and cons of the Obama management fitness care reform proposals and allow’s study the concepts positioned forth by using the Republicans?

Health Care Reform


Access to the nation of the art fitness care offerings is some thing we are able to all agree could be a good issue for this country. Experiencing an extreme infection is one in all lifestyles’ principal demanding situations and to stand it with out the manner to pay for it is undoubtedly scary. But as we will see, once we understand the information, we will discover that attaining this purpose will not be easy with out our man or woman contribution.


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Health News

First, let’s get a touch historic attitude on American fitness care. This isn’t always meant to be an exhausted investigate that history, however, it will supply us an appreciation of how the fitness care system and our expectations for it advanced. What drove prices better and better?

To start, permit’s turn to the American civil battle. In that battle, dated tactics and the carnage inflicted through contemporary weapons of the technology blended to purpose ghastly outcomes. Not usually acknowledged is that most of the deaths on both sides of that war had been now not the end result of the real fight however to what passed off after a battlefield wound become inflicted. To start with, evacuation of the wounded moved at a snail’s tempo and this brought about intense delays in treating the wounded. Secondly, many wounds had been subjected to wound care, associated surgeries and/or amputations of the affected limbs and this often resulted in the onset of big contamination. So you would possibly continue to exist a warfare wound handiest to die in the arms of hospital treatment vendors who even though well-intentioned, their interventions had been often pretty deadly. High death tolls also can be ascribed to ordinary illnesses and diseases in a time whilst no antibiotics existed. In general something like six hundred,000 deaths came about from all reasons, over 2% of the U.S. Populace at the time!

Let’s pass to the primary 1/2 of the 20 the century for a few additional perspective and to deliver us as much as extra modern-day instances. After the civil conflict, there have been regular improvements in American remedy in each the information and treatment of certain sicknesses, new surgical techniques and in health practitioner training and training. But for the most part, the satisfactory that docs may want to provide their patients turned into a “be patient” method. Medicine should take care of bone fractures and more and more strive volatile surgical procedures (now largely done in sterile surgical environments) but medicines were not but to be had to address critical ailments. The majority of deaths remained the end result of untreatable situations consisting of tuberculosis, pneumonia, scarlet fever and measles and/or related headaches. Doctors have been increasingly aware of heart and vascular situations, and cancer but that they had nearly nothing with which to treat these situations.

Reform ERA

This very primary evaluation of American clinical records allows us to take into account that till quite recently (around the 1950’s) we had absolutely no technologies with which to deal with extreme or maybe minor ailments. Here is a critical point we need to apprehend; “not anything to treat you with the way that visits the physician if in any respect have been relegated to emergencies so in this type of state of affairs fees are curtailed. The simple reality is that there has been little for docs to offer and consequently definitely nothing to pressure health care spending. A 2d element maintaining down prices turned into those medical treatments that had been supplied have been paid for out-of-pocket, that means via manner of a people personal sources. There became no such issue as medical health insurance and without a doubt, not medical health insurance paid with the aid of an agency. Except for the very destitute who have been fortunate to discover their way right into a charity medical institution, fitness care fees had been the obligation of the character.


What does fitness care insurance should do with health care expenses? Its effect on health care fees has been, and stays to at the present time, truly vast. When medical health insurance for individuals and families emerged as a method for companies to get away wage freezes and to attract and maintain personnel after World War II, nearly in a single day a brilliant pool of money has become available to pay for fitness care. Money, as a result of the availability of billions of greenbacks from medical insurance swimming pools, recommended a modern America to increase scientific research efforts. More Americans have become insured not only via personal, employer backed health insurance but via accelerated government investment that created Medicare and Medicaid (1965). In addition, investment became available for expanded veterans fitness care advantages. Finding a treatment for almost whatever has, therefore, come to be very beneficial. This is also the primary purpose for the full-size array of treatments we have to be had these days.

I do no longer desire to convey that medical innovations are an awful component. Think of the tens of millions of lives that have been saved, extended, more desirable and made greater effective as an end result. But with a funding source grown to its contemporary importance (hundreds of billions of dollars yearly) upward stress on health care expenses are inevitable. Doctor’s offer and most of us demand and get admission to the ultra-modern available fitness care generation in the shape of prescribed drugs, scientific devices, diagnostic equipment and surgical processes. So the end result is that there is extra fitness care to spend our cash on and until very recently most folks were insured and the fees were largely included by means of a 3rd-celebration (authorities, employers). Add an insatiable and unrealistic public call for getting admission to and remedy and we’ve got the “perfect hurricane” for better and higher fitness care charges. And via and massive the storm is simplest intensifying.


At this factor, permit’s flip to the key questions on the way to lead us into a evaluate and optimistically a better knowledge of the health care reform proposals in the news today. Is the current trajectory of U.S. Fitness care spending sustainable? Can America preserve its world competitiveness whilst 16%, heading for 20% of our gross country wide product is being spent on health care? What are the alternative industrialized international locations spending on fitness care and is it even near those numbers? When we upload politics and an election 12 months to the controversy, information to help our solution those questions end up vital. We need to spend a few effort in expertise fitness care and finding out how we reflect on consideration on it. Properly armed we will more intelligently decide whether or not sure fitness care proposals would possibly clear up or worsen a number of those troubles. What can be finished about the demanding situations? How are we able to as individuals make contributions to the solutions?

The Obama fitness care plan is complex for positive – I have by no means seen a health care plan that isn’t. But via a diffusion of packages his plan attempts to address a) increasing the quantity of American that are included by ok coverage (almost 50 million aren’t), and b) dealing with costs in such a manner that exceptional and our get admission to health care is not adversely affected. Republicans are seeking for to gain those identical fundamental and wide dreams, but their method is proposed as being more marketplace driven than authorities pushed. Let’s look at what the Obama plan does to perform the two objectives above. Remember, by means of the manner, that his plan becomes surpassed by way of congress, and starts of evolved to seriously kick-in beginning in 2014. So that is the path we’re presently taking as we attempt to reform health care.

The first factor you must do before comparing your health plan alternatives is decided which policy features pleasant suit you. A 30-12 months-vintage accountant, for instance, goes to need very extraordinary coverage than a 55year-old seasoned golfer, or a 75-year-vintage retired veterinarian. By know-how the fitness desires that most customarily correspond to human beings on your age and pastime degree institution – your lifestyles degree – you can store cash by means of buying most effective the coverage you want and avoid useless services that aren’t relevant. For example, a young own family with two small kids isn’t always going to need insurance for joint replacement or cataract surgical treatment. A 60-12 months-antique college instructor isn’t going to need being pregnant and birth control-related offerings.

Whether it is high-level complete care you’re after, or the least costly choice to exempt you from the Medical Levy Surcharge whilst imparting fundamental care insurance, always ensure you’re comparing medical insurance guidelines with most effective those offerings that make feel for you and your family.


When you settle to pay for a precise out-of-pocket amount within the event you’re hospitalized, you sign an Excess or Co-price option as a way to lessen your medical insurance top rate.

If you pick out the Excess alternative, you settle to pay a predetermined, specific amount whilst you visit the clinic, irrespective of how long your life lasts. With a Co-charge alternative, you compromise to pay a daily sum as much as a pre-agreed amount. For instance, if Joanne has an Excess of $250 on her clinical insurance policy and is admitted to the medical institution, no matter how long her stay seems to be, she can pay $250 of the very last invoice. If Andrew has signed a $75×4 Co-price with his company, he can pay $75 per day for just the first the first four days of his hospitalization.