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Herbal Cure

Struggling with hemorrhoids it is estimated will likely affect roughly 50% of all adults at some time in their lives. As a result I can definitively state that you are not alone in your struggles with hemorrhoids.

Are you sick of the itching burning pain swelling or bleeding down there? Aren’t you frustrated because it’s completely embarrassing to ask for advice on this potentially crippling condition?

Discover my 100% natural cure for hemorrhoids that works in 48 hours >>

Many people suffer from a problem with hemorrhoids. It is especially common in pregnant women. Having hemorrhoids is a big embarrassment and a very difficult situation.

Stress diet constipation and diarrhea are all causes of hemorrhoids causing you increase the strain or push while you are having a bowel movement. When you increase your internal pressure to push you are also increasing your internal pressure on the blood vessels nears your anus. When that internal pressure causes the vessels to bulge it is called a hemorrhoid and they are very painful with common symptoms of itching swelling and bleeding.

Hemorrhoid is a medical term used to describe an illness wherein the anus or rectum is swollen and inflamed. This could cause bleeding from the anus. Hemorrhoid might be caused by eating too much spicy foods constipation pregnancy diarrhea aging anal intercourse and other factors.

I have had hemorrhoids or piles and am well and truly cured by using a natural hemorrhoid treatment. l can laugh about my past situation now as they were a real pain in the bum both literally and physically and if you are reading this and are suffering from hemorrhoids l know exactly what you are going through But there is a natural solution available which will remove your hemorrhoids within 48 hours.

Maintaining a healthy diet is important whether you suffer from hemorrhoids or not. For people who do have hemorrhoids diet becomes critical as you have a very slim chance of curing hemorrhoids if your diet is actively making your condition worse.

It must be emphasized that in the majority of cases of bleeding hemorrhoids medical and surgical options like rubber band ligation Doppler guided hemorrhoidal artery ligation procedure for prolapse and hemorrhoids and traditional hemorrhoidectomy are performed to treat the health condition. However there will be instances when dietary and herbal methods are applied as the primary care for mild bleeding hemorrhoids.

The federal health care reform legislation, known as the Patient Protection and Affordable Care Act, signed by the President on March 23, 2010, and the Health Care and Education Reconciliation Act approved by Congress, signed by the President today, will expand the availability of health care coverage to millions of Americans. While some of the measures will be implemented this year, many do not take effect until 2014 and some extend out to 2020.

Below is a high-level overview of the timeline.  It is important to note that many of these reforms and their effective dates are subject to the rules and regulations process both at the state and federal levels – which could alter the intended timing of implementation.

2010

New Programs:
* Temporary retiree reinsurance program is established
* National risk pool is created, small business tax credit is established
* $250 rebate for Medicare members who reach the “doughnut hole”

Insurance Reforms:
* Prohibits lifetime benefit limits – based on dollar amounts
* Allows restricted annual limits on the dollar value of certain benefits
* Coverage rescissions/cancellations are prohibited (except for fraud or intentional misrepresentation)
* Cost-sharing obligations for preventive services are prohibited
* Dependent coverage up to age 26 is mandated
* Internal and external appeal processes must be established
* Pre-existing condition exclusions for dependent children (under 19 years of age) are prohibited
* New health plan disclosure and transparency requirements are created

2011

Insurance Reforms:
* Uniform coverage documents and standard definitions are developed
* Minimum medical loss ratios are mandated

Medicare Reforms:
* Medicare Advantage cost sharing limits effective
* Medicare beneficiaries who reach the doughnut hole will receive a 50% discount on brand name drugs
* A 10% Medicare bonus will be provided to primary care physicians and general surgeons practicing in underserved areas, such as inner cities and rural communities.
* Medicare Advantage plans would begin to have their payments frozen.

Other:
* Employers are required to report the value of health care benefits on employees’ W2 tax statements.
* Annual industry fee for pharmaceutical manufacturers of brand name drugs.
* Voluntary long term care insurance program would be made available to provide cash benefit for assisting disabled individuals to stay in their homes or cover nursing home costs. Benefits would start five years after people begin paying a fee for coverage.
* Funding for community health centers would be increased to provide care for many low income and uninsured people.

2012

* Hospitals, physicians, and payers would be encouraged to band together in “accountable care organizations.”
* Hospitals with high rates of preventable readmissions would face reduced Medicare payments.

2013

* Individuals making $200,000 a year or couples making $250,000 would have a higher Medicare payroll tax of 2.35% on earned income —up from the current 1.45%. A new tax of 3.8% on unearned income, such as dividends and interest, is also added.
* Medical expense contributions to flexible spending accounts (FSAs) limited to $2,500 a year—indexed for inflation. In addition, the thresholds for claiming itemized tax deduction for medical expenses rise from 7.5% to 10% of income.
* Medical device manufacturers would have a 2.9% sales tax on medical devices; devices such as eyeglasses, contact lenses, and hearing aids would be exempt.
* Eliminates deduction for expenses allocable to Medicare Part D subsidy for employers who maintain prescription drug plans for their Medicare Part D eligible retirees.

2014

Coverage Mandates & Subsidies:
* Individual and employer coverage responsibilities are effective. 
* Individual affordability tax credits are created and small business tax credits are expanded.

Health Insurance Exchange & Insurance Reforms:
* State individual and small group health insurance exchanges operational.
* Guaranteed issue, guaranteed renewability, modified community rating and minimum benefit standards (“essential benefits” plan) effective. 
* Lifetime and annual dollar limits are prohibited for essential benefits.
* Pre-existing condition exclusions are prohibited.

Taxes & Fees:
* Addition of new taxes on health insurers

Medicaid and Medicare Reform:
* Medicaid expanded to cover low income individuals under age 65 up to 133% of the federal poverty level—about $28,300 for a family of four.
* Minimum medical loss ratio of 85% required for Medicare Advantage plans

2018

Taxes & Fees:
* Tax (“Cadillac tax”) imposed on employer sponsored health insurance plans that offer policies with generous levels of coverage.

2020

Medicare Reform:
* Doughnut hole coverage gap in Medicare prescription benefit is fully phased out. Seniors continue to pay the standard 25% of their drug costs until they reach the threshold for Medicare catastrophic coverage.

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During one of their routine tests, scientists discovered that the plant has a molecule previously unknown.  Since then, it was given the name P57.  This began the amazing discovery of an ingredient in Hoodia Pills which makes it an effective weight loss product.

It slows down your desire to eat.

Restricts your caloric intake up to 50% a day

Increases the energy level in your body.

Natural and safe, with no side effects.

Before buying Hoodia pills, make sure that you are getting the authentic one.  A lot of inferior products are available in the market and you might be disappointed in the results if you bought a fake product. 

The following is a list of the best diet pills on the market today. These have been researched by the weight loss institute to deliver the best results without dire side-effects, so we have (in no particular order):

Hoodia:

This weight loss product is based on “Hoodia Gordonii”, the African plant extract that suppresses your appetite. Because of its great results this particular pill is flying off the shelves in drugstores and Internet web sites. Needless to say, it has been getting lots of attention lately.

Xerisan ASA:

After  thorough research the Weight Loss Institute considers Xerisan to be one of the most promising new herbal diet pills introduced to the market in the last few years. Xerisan’s main ingredient, Phaseolus Vulgaris, has in recent studies been shown to act as a blocker of the alpha-amylase enzyme, this enzyme is required by our bodies in order to keep a healthy metabolism of carbohydrates. Although this product is fairly new, the effects of some of the ingredients have been published in the American Journal of Clinical Nutrition and in the International Journal of Medical Sciences.

There are thousands of other diet supplements and weight loss products to be found all over the web and in the multi-billion dollar weight-loss industry. Regardless of how many times you are bombarded with flashy advertisements it is important to remember that there is no “miracle pill” that will effectively “evaporate” your excess fat, therefore it is always recommended to combine these supplements with a nutritious diet and a good fitness program. No “prescription drug” should be added to a diet without first consulting with your physician. The products mentioned above have been found to be “safe” because no serious side effect was reported by consumers.

Losing weight has been a constant battle for the 1.7 million obese Americans. Sometimes no matter how often you exercise and how you try to eat less, your weight just keeps on going up.  There are people who have certain conditions that make the normal diet and regular exercises ineffective in losing weight. 

These conditions may include muscle or bone weakness and hormonal problems.  In these cases, diet pills may be the  best bet to lose those unwanted body fats.  Read on to find out some of the ways diet pills help you lose those extra pounds:

APPETITE SUPPRESSION.  Diet pills “trick” the body into thinking it is not hungry.  There are two reasons your body sends out hunger signals (1) you are really hungry and (2) your body is accustomed to eating around that time.  Obviously, you must only eat when you’re truly hungry.  So, diet pills can tone down your body’s hunger signals promoting a practical amount of food consumption.  The general idea is since you feel less hungry, you’ll surely eat less and when you eat less, you consume fewer calories and there you’ll lose weight.

INCREASE ENERGY LEVELS.  Some diet pills boosts your body’s energy level making the most  of it’s caloric intake.  When you’re energized you burn more calories because you are more active.  For instance, during your workouts you’ll be able to push more and have shorter recovery time.

Although it is possible for substandard diet pills to make it onto the shelves, there are still safe diet pills out there that can deliver real results fast!  So to stay safe and confident about taking diet pills, ask your doctor’s advice.  In the first place, your doctor knows your overall health condition so he/she will also definitely know which diet pill or regimen will work best for you.

Luckily, diet drugs have come a long way since the addictive “solutions” created and marketed during the 50s and 60s. It is important to remember that each generation of “prescription diet pills” which has been heavily marketed in the past has been recalled because they have proven more dangerous than effective. This was the case of the well remembered fen-phen and ephedra; experts continue their search for a safe diet pill that actually works.

According to the National Institute Of Health, more than 300,000 Americans die every year because of a diet rich in unhealthy oils (trans-fat, etc) and physical inactivity throughout their lives. As you can see this is certainly a highly alarming number! It’s a proven fact that losing weight, even a small five to ten percent of body fat, will reduce your blood pressure and lower your overall cholesterol levels. So, why is this so difficult to do even with prescription drugs?. Simple people have forgotten 50% of the “weight loss equation”.

For one, many people think they can take a pill and lose the weight automatically. This is a common misconception which tends to frustrate people, so we need to realize that “fat and extra pounds DO NOT magically evaporate”, instead they are broken down by our body so that through physical exercise they can be eliminated from our system. A healthy diet consists of so much more than just taking a pill. We must combine the pills with a proper diet. In addition to the already discussed ways to avoid gaining weight, we can also remember to drink as much water as possible and exercise moderately in order to gain the maximum benefits offered by diet pills. Don’t forget to eat small portions of food several times a day (around 4 to 6 portions a day), never reduce your food consumption drastically from one day to the other because it could have dire effects. Counting calories helps you keep track of how many calories you are consuming every day.

Small clip taken from film called “Run from the cure:The Rick Simpson Story” www.phoenixtears.ca

For almost 35 years, the law of the land has been an explicit prohibition against federal taxpayer dollars being used to pay for elective abortions, known as the Hyde amendment, after the late great Illinois congressman. This is a policy supported by the majority of the American people.

In fact, this hard-fought explicit ban was included in the health care bill that passed the House last year. Regrettably, the Senate did not follow suit and instead passed a bill that would allow hard-earned taxpayer dollars to pay for elective abortion. That is a simple fact. Unfortunately, in a mad rush to secure enough votes, leading House Democrats now intend to take up the Senate-passed bill, arguing that the Senate language prohibits federal funding of abortion. Besides that fact that this simply not true, it also demonstrates the lengths the president and his allies will take to pass this bill against the will of the American people.

Just this week, Cardinal Francis George, president of the U.S. Conference of Catholic Bishops, issued a statement saying, “Notwithstanding the denials and explanations of its supporters, and unlike the bill approved by the House of Representatives in November, the Senate bill deliberately excludes the language of the Hyde amendment. It expands federal funding and the role of the federal government in the provision of abortion procedures.”

First, the Senate bill allows elective abortions to be offered through the newly-created individual state health insurance exchanges and multi-state health plans administered by the Office of Personnel Management (OPM), and through federally-subsidized plans in already-existing community health centers.

Second, there is nothing in this legislation that requires any of these programs to live up to both the spirit and letter of the Hyde amendment that Congress has included each year in spending bills that fund the government. This not only prevents federal funding of elective abortions, but also erects an iron-clad firewall against any private money for abortion being mixed with any federal or state health program receiving federal dollars. This applies, for example, to Medicaid, a health program for the economically disadvantaged that is funded by both federal and state governments. If any resources are used for elective abortions that money must be kept completely separate from Medicaid. This is sound policy that must be maintained.

Regrettably, the Senate-passed bill doesn’t include this firewall. Anyone who doesn’t earn enough money would qualify for a federal subsidy to help pay for their health plan in the state exchanges, including plans offering elective abortion coverage. Some argue that under the Senate-passed bill, federal funding would be “segregated” so no federal money would pay for abortions. But this is a violation of the Hyde amendment, which also prevents the federal funding of insurance that covers elective abortion.

Furthermore, it is entirely possible that there would only be one health plan in any given state that does not include elective abortion. And even if you are opposed, you may well be railroaded into choosing a plan that covers it, because you might be looking for the best plan to treat a sick child or your own health condition.

What’s more, passing a new state law is the only way an individual state could truly ensure that elective abortions are not included in the plans offered through a state insurance exchange. That would be easier in some states than in others, but that’s unfair to those who are morally opposed to federal funding of abortion and happen to live in states where passing such a law would be extremely difficult.

Lastly, under this proposal, community health centers would receive a dedicated stream of money outside the annual congressional process to fund the government which is where the Hyde prohibition is maintained. So that means that for the first time federal money could be used to fund abortion at a community health center.

Those are the facts, and anyone who thinks the Senate abortion language is strong enough should think again. That is because, regardless of one’s position on this controversial issue, it is entirely reasonable to expect that a person who is fundamentally and morally opposed to abortion should not have to sanction its use with their hard-earned tax payer dollars.

Diet pills are a weight loss product that is taken by mouth. They contain medication that will speed up the metabolism as it suppresses the appetite. For those people who are overweight, diet pills are can assist them with their weight loss goals.

Over the counter diet pills contain diuretics to assist the body in flushing out excess fluids. A lot if the foods that we eat contain a lot of salt, which retains water naturally. One of these diuretics is caffeine.

Over the counter diet pills are not expensive, and can be bought anywhere. They are available in grocery store, pharmacies, and department stores and in some instances, small convenience stores.

Over the counter diet pills are one of the few drugs that are not regulated by the food and drug administration. This makes it very difficult to document any side affects or assess any risks associated with taking over the counter diet pills. Only when private companies decide to study the diet pills for side affects will the results be made public. Most over the counter diet pills are never tested.

Prescription diet pills do not contain the same ingredients, as over the counter diet pills. Prescription diet pills contain ingredients that are stronger and work in different ways. Some release a neurotransmitter called serotonin, which is found naturally in the body. Serotonin affects moods, and can help curb the appetite.

Doctors are reluctant to prescribe diet pills, and will only do so for their patients that are obese. Even then, the doctor will closely monitor the patient’s progress by charting their weight and doing blood tests often. Doctors will recommend a strict diet and exercise routing for their overweight patient. Sometimes, the patient does not want to wait that long for dieting results and will buy over the counter diet pills.

The advantage of prescription diet pills is that the food and drug administration has the power to test any prescription diet pill that is developed. It can take up to ten years of study to approve one diet pill. This is done for the safety of the public.
In past decades, there have been great and heated debate regarding diet pills. Some feel that the food and drug administration should be able to test over the counter diet pills just as it does prescription diet pills. They both do the same thing.

Manufacturers of diet pills do not want to have the restrictions the food and drug administration would impose if they were to take over testing their products.

The two sides have been battling for years over this subject. The battle will continue as both sides feel that they are right.

The manufacturers of diet pills stand to loose a lot if the food and drug administration were to win.
In past decades, millions of people have benefited from taking diet pills. When they are taken in the correct dosage, diet pills can assist the overweight in achieving their weight loss goals.

Always consult a physician before starting any weight loss program.

JANUARY 29, 2010

This Week in Health Care Reform

Following the election of Republican Scott Brown to the Massachusetts State Senate last week and the resulting loss of Senate Democrats’ supermajority, lawmakers continue to pave the way for health care reform – with limited progress. In addition, polls indicate that the public would rather lawmakers focus more on the economy than on health care.

State of the Union Address

President Obama Gives State of the Union Address: On Wednesday evening, President Barack Obama delivered his first State of the Union address before a joint session of Congress. Having hoped to have a health care reform bill on his desk prior to his address, the President instead used his speech to encourage Congress to push forward on health care reform. Yet, he did not give specific guidance as to how to proceed with the legislation. Instead, he made it clear that his primary focus would be on jobs and the economy.

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Health Care Reform Negotiations

Democrats Still Seek Way Forward: While vowing not to give up, Democratic Senate leaders indicated Tuesday that they no longer felt pressure to move quickly on health care reform; and, in the wake of the Massachusetts election and in reaction to public opinion, they shifted focus to jobs and the economy. Senate Majority Leader Harry Reid (D-NV) commented that there is “no rush” on health care and said that he and Speaker of the House Nancy Pelosi (D-CA) were working to map out a way to complete health care reform in the coming months. On Wednesday, Sen. Pelosi floated a two-pronged strategy to pass incremental changes now and pursue comprehensive reform later.

Some lawmakers have considered breaking up the legislation into smaller pieces that have bipartisan support. However, this option will prove challenging given the complexities and interdependencies of the measures. For example, lawmakers would like to include a measure that requires all insurance companies to insure those with pre-existing conditions; however, premiums will most likely increase unless there is an individual mandate.

Earlier this week, Democrats appeared to be coalescing around a different strategy through which Senate lawmakers would make changes to their bill to appease members of the House. The Senate would then pass the revised bill via reconciliation, which only requires 51 votes. Following that, the House would approve the revised bill, giving it to President Obama for his review. However, movement on this strategy stalled Tuesday when two centrist Senators, Sens. Evan Bayh (D-IN) and Blanche Lincoln (D-AK), indicated that they would oppose using reconciliation to bypass Republican support. Others, including Sen. Joe Lieberman (I-CT) and Sen. Dianne Feinstein (D-CA), have suggested a “time out” on health care reform until there is a clear path forward.

In the GOP response to President Obama’s State of the Union address, Virginia Governor Robert McDonnell said that Republicans share the Democrats’ desire for health care reform, but do not agree with their proposed solutions. Republicans suggest that Democrats scrap the current proposals and start over with more Republican input on issues such as medical malpractice reform and selling insurance policies across state lines.

Republicans Call for Transparency: On Wednesday, the House Energy and Commerce Committee marked up a resolution presented by Rep. Michael Burgess (R-TX) which requested that the administration divulge documentation regarding the health care reform deals made with trade associations and a labor union. Committee Chairman Henry Waxman (D-CA) said that while details remained to be worked out, he would support a narrowed version of the Republican request for White House records.

President Obama to Speak with House Republicans: President Obama will meet with House Republicans on Friday in response to an invitation to speak at their annual retreat in Baltimore that begins Thursday and ends Saturday. The meeting comes just after the President’s State of the Union address, and members of the news media speculate that the meeting may spur more bipartisanship or potentially lead to even more tension between the two parties.

Interest Groups Call for Reform: With health care reform’s fate in jeopardy, interest groups have voiced their support, encouraging Democrats to push forward with legislation. The AARP, American Cancer Society Cancer Action Network, Consumers Union, Families USA and Service employees International Union sent a joint letter last Thursday urging Congress not to abandon comprehensive health care reform. Further, the United States Conference of Catholic Bishops also sent a letter to Congress urging a push for reform.

Public Opinion

Polls Show Concern with Health Care Reform; More Focus on Jobs and Economy: Several polls were released this week that highlight the public’s disenchantment with health care reform and anxiety around the struggling economy.

A new CNN/Opinion Research poll released Tuesday shows that only three in ten Americans say they want Congress to pass legislation similar to the bills currently being discussed in Congress. Forty-eight percent of Americans would like lawmakers to start again on a new bill, and 21 percent believe Congress should not work on bills that would change the current health care system. Further, a Wall Street Journal/NBC poll released Wednesday found that 51 percent of Americans believe President Obama has paid “too little attention” to the economy and that 44 percent feel he has paid “too much attention” to his proposed health care overall.

In addition, a new USA Today/Gallup poll released late last week finds that most Americans call for a more bipartisan effort in health reform. A 55 percent majority of Americans say that President Obama and Congressional Democrats should suspend movement on health care reform and consider alternatives that would increase Republican support.

A poll released last weekend by the Washington Post , Henry J. Kaiser Family Foundation and Harvard University’s School of Public Health indicated that dissatisfaction with the direction of the country, including the Democrats’ health care reform proposals, drove the outcome of the Massachusetts election. The post-election survey of Massachusetts state voters showed that overall 43 percent say they support the health care reform proposals advanced by President Obama and Congressional Democrats, while 48 percent oppose them.

A new poll released Monday from the Robert Wood Johnson Foundation found that fears regarding the health care reform package increased significantly in December as members of the Senate finalized their bill. Thirty-three percent of respondents said they believed their access to care would worsen if the legislation passed, up from 25 percent in November. Forty-two percent said the country’s finances would suffer under reform, compared with 34.6 percent in November.

Looking Ahead

Next week, the President will present his Budget to Congress (which includes health programs), after which Congressional hearings will commence. We expect health reform to be discussed in these sessions. While there remains no clear path forward for health care reform, Congressional leaders will continue to work to find a solution.

It is indeed unfortunate if you are one among the several individuals who get tortured with a ringing ear. Like most of them you have explored all the means available to end this suffering. You have also realized that most of the recommended therapies by some doctors will cost you a fortune. Worse, some medical professionals may even suggest a risky surgery. Cheer up, there are effective herbal cures for tinnitus. Read on.

Herbs that are known to have worked without any side effects are Ligustrum and mullen. What makes them effective is that they are mild diuretics. With a low sodium diet, these plants can be effective tinnitus herbal treatment.

Black cohosh improves blood circulation in the brain and a natural agent for sedation. If stress is one of the factors that can cause tinnitus, this plant can help restore the smooth body circulation and can induce relaxation.

Gingko biloba is another plant that has a positive effect on the brain’s blood movement. It promotes acute memory function. Improving the blood flow in the brain will consequently relieve tinnitus, which is said to be caused by restricted blood vessels in the cranial region.

The list of effective herbal cures for tinnitus goes on and on, if you will take time to discover yourself. They can be obtained from a health food store or from the local grocery. And for peace of mind, you may consult a good herbalist to determine the ones on the top of the list. Treating tinnitus with herbs is a wise decision. It ends your problem without worrying about the cost.

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It’s a good idea to look away from the mainstream chemically filled products and to the more natural ones that work with your body and can be extremely effective. Here is what a smart herbal cure for baldness should contain and how it works.

Herbal cures have been used for thousands of years by the Native Americans to help with a wide range of issues, including hair loss.

To know what to look for in a smart herbal cure for baldness, it’s good to know why a certain blend of nutrients can be so effective. The main reason is because of a hormone called DHT that is the main cause of female and male pattern baldness today.

It is a by-product of testosterone and affects women as much as men, contrary to popular belief, especially after the menopause when DHT levels rise due to the lack of estrogen.

What DHT does is stifle the follicles gradually over time until; the hairs become much thinner and weaker, and eventually fall out. No new growth can then occur from the affected follicles without treatment.

It is usual to lose about 100 – 200 hairs a day but it’s when they’re not being replaced that the problems start and you can see the beginnings of  bald patches. The sooner you start any proven treatment the better to increase your chances of success.

Some of the best herb extracts are Saw Palmetto, Nettle Root, Muira Puama, Pumpkin and Horsetail.

Saw Palmetto comes from slow growing dwarf palms and the extract comes from their blue-black berries harvested in the autumn months and it blocks DHT very effectively.

It has been proven to help reduce an enlarged prostate in men as well as growing new hair, so it’s especially great for men, and Native Americans also used it to treat persistent coughs and help with digestion too.

It is also advised to have a strong nutritional foundation so you can not only support new hair growth, but help to keep your existing ones healthy and vitamin B6, biotin, magnesium and zinc will all help this.

Lastly the key is to be as patient as possible and be prepared for even the best smart herbal cure for baldness to take up to 6 months to begin working, but it’s well worth the wait!

If you look for these ingredients you can confidently select the most effective and smart herbal cure for baldness and see the gradual and natural return of your hair month after month and know that you are also improving your overall health and well-being too.

Lexington’s Urban County Government is dropping health insurance coverage for 556 employees of “outside agencies” — organizations that are affiliated with, but not directly run by, city government.

Based on 2008 spending, dropping employees of the 20 organizations from Lexington’s insurance plan would save the cash-strapped city $506,218 a year, the difference between what it took in and what it had to pay out.

Among the organizations that will be making new health insurance arrangements are the Fayette County Health Department, Kentucky League of Cities, Lexington Housing Authority, Lexington Convention & Visitors Bureau, Lexington Parking Authority and the Lexington Urban League.

“The satellite agencies had been paying only their premiums,” said Susan Straub, spokeswoman for Mayor Jim Newberry. “… They were not funding the full cost of their health care.”

Over the past three years, the city has shelled out $2.2 million to supplement the insurance premiums paid by the employees of outside agencies.

In late November, Newberry said the city might consider layoffs, pay cuts, furloughs and the elimination of city programs to stem an estimated shortfall of $12 million to $13 million. City government division directors were asked to propose ways to cut expenses by 5 percent.

The council approved cutting health insurance for outside groups on Dec. 8. In all, the city offers health insurance to 3,622 workers and retirees, whose health claims outpaced revenue by $8.5 million last year.

Most of the agencies will have until Dec. 31, 2010, to finish their new health care plans, but some — such as the Fayette County Health Department — will switch to new insurers within the next month.

Health Department Commissioner Melinda Rowe said city officials told her the agency should be covered by the state’s health insurance program. Instead, the department chose a plan offered by Bluegrass Family Health.

Still, the cost of premiums paid by the department could go up by more than $600,000 over two years, Rowe said.

Not providing health insurance to employees was never considered, she said.

“Obviously, we’re the health department; we have got to concentrate on our own employees and their wellness,” Rowe said.

P.G. Peeples, president of Lexington’s Urban League, said his organization’s insurance options are limited because it has only six employees. He hopes to band with United Way agencies or other Urban League offices to build the number of employees needed for a large bargaining pool.

“I’m disappointed they’re going to remove this option,” Peeples said. “I understand that they’re trying to do cost savings.”

How did the city wind up providing insurance benefits for agencies outside city government?

“For the most part, we don’t really know,” Straub said. “We inherited this situation, and the arrangements have apparently been in place for a number of years.”

Jan Isenhour, director of the Carnegie Center for Literacy, said the center’s budget initially came from the city, so its inclusion in the health pool seemed logical.

In 2003, the center became an “outside agency” and started taking over its own finances but remained in the city insurance group. The Carnegie Center hasn’t started pricing outside health policies; it has another year on the city’s plan.

Meanwhile, the city continues to look for other ways to shift expenses to outside agencies.

Ed Lane, councilman for Lexington’s 12th district, said the city might soon consider asking outside agencies to contribute money toward the upkeep of city office space they occupy.

“The recession puts a lot of strain on government to provide all the services necessary for the taxpayers, but it also gives us an opportunity to look at what are essential services and what are non-essential services … to try to maximize the efficiency of government as much as we can,” Lane said.