A 2023 report by the Office of Inspector General (OIG) has revealed that private insurers under Medicare Advantage received an extra $4.2 billion based on home visit diagnoses that often led to no further medical treatment.
Key Findings
Medicare Advantage plans boosted payments using home diagnoses without requiring additional medical intervention.
Many of these health risk assessments were used solely for financial gain rather than patient care.
The OIG recommends that Medicare eliminate or limit payments based on home health visits.
Medicare disputes the findings, citing study limitations and the potential benefits of home diagnoses.
The report has raised concerns about how insurers use diagnoses for financial gain, sparking calls for stricter oversight and policy changes to ensure accurate billing practices.
The journey of marriage is often painted with the hues of eternal love, shared dreams, and growing old together. But what happens when the colors fade, the dreams shatter, and the shared path diverges? What happens when the words “I do” transform into “I did,” and finally, “I’m done”? This is a narrative of liberation, of finding freedom in the finality of a divorce.
The institution of marriage is a beautiful commitment, a promise of love, respect, and companionship. But sometimes, despite the best intentions, the most profound love, and the sincerest efforts, marriages fail. It’s a harsh reality many of us face, and it’s a journey I recently completed.
The decision to end a marriage is never easy. It’s a labyrinth of emotions, a whirlwind of questions, and a rollercoaster of uncertainties. It’s a battle between the heart and the mind, between holding on and letting go. But amidst the chaos, there’s a beacon of hope, a promise of a new beginning, a chance to reclaim your individuality.
The day I signed the divorce papers, I felt a strange mix of emotions. There was a sense of loss, a tinge of guilt, and a wave of fear. But amidst these feelings, there was also a sense of relief, a breath of freedom, a hint of anticipation for what lay ahead. I was finally free.
Freedom after divorce is not about escaping responsibilities or shirking commitments. It’s about rediscovering yourself, reclaiming your identity, and redefining your life on your terms. It’s about breaking free from the shackles of a relationship that no longer serves you and stepping into a world of possibilities.
In the aftermath of my divorce, I found a strength I never knew I had. I discovered facets of my personality that were overshadowed by the compromises of my marriage. I found a new rhythm in life, a new melody in solitude, and a new harmony in independence.
Divorce is not a failure; it’s a testament to courage. It’s the courage to accept that some things are not meant to be. It’s the courage to let go of a relationship that no longer brings joy. It’s the courage to choose your happiness over societal norms. It’s the courage to say, “I did,” to acknowledge, “I’m done,” and to embrace the freedom that follows.
Today, as I stand on the other side of divorce, I feel a sense of liberation. I feel a sense of peace. I feel a sense of excitement for the journey ahead. I am not a victim of a broken marriage; I am a survivor. I am not defined by my past; I am excited about my future. I am not bound by societal expectations; I am free to chart my own course.
“I do, I did, I’m done.” These words are not a symbol of defeat; they are a badge of courage, a testament to resilience, a proclamation of freedom. They are the words that mark the end of a chapter and the beginning of a new one. They are the words that echo the sentiments of countless individuals who have walked the path of divorce and found freedom in its finality.
So, here’s to new beginnings, to the journey ahead, to the freedom that comes with saying, “I’m done.” Here’s to living life on our terms, to finding joy in solitude, and to discovering strength in adversity. Here’s to divorce, not as an end, but as a new beginning. Here’s to being finally free.
As the sun rises on another day of innovation and ambition, we at Dr Zam’s Enterprises Pte Ltd are thrilled to announce a milestone that gleams with the gold of success: our esteemed brand and subsidiary, Business Heroes®, celebrates its 8th anniversary. This remarkable journey of eight years is not just a testament to our enduring vision but also a reflection of our commitment to empowering businesses to reach their zenith of potential.
Established with the dream of nurturing business excellence, Business Heroes® has stood as a beacon of innovation, guiding enterprises through the labyrinth of the corporate world with unparalleled advertising, branding, and consultancy services. As part of Dr Zam’s Enterprises Pte Ltd, a company dedicated to science-based living for body, mind, and soul, Business Heroes® embodies our holistic approach to success – one where strategy meets creativity, and where every client’s vision is revered and realized.
The number eight, symbolizing infinity, reflects the infinite possibilities we have unlocked for businesses across the spectrum. From startups to seasoned enterprises, we’ve crafted legacies, shaped identities, and strategized growth stories. Our journey has been marked by a relentless pursuit of excellence, the forging of strong partnerships, and a deep understanding that the heart of any business is its people and the story it tells.
As we celebrate this significant anniversary, we are reminded of the resilience that runs in the veins of our brand. In the dynamic landscape of business, surviving and thriving for eight years is a feat reserved for those who dare to lead with courage and adapt with agility. Business Heroes® has done just that, continually evolving to meet the challenges of the times while staying true to our core values of integrity, innovation, and impact.
Looking forward, we are excited to set our sights on new horizons. Business Heroes® is poised to expand its offerings, bringing cutting-edge solutions to the market, and further solidifying our position as industry leaders. We are committed to helping businesses not just navigate but conquer the future landscape with confidence and strategic prowess.
To commemorate our 8th anniversary, we invite you to explore the suite of services that Business Heroes® offers. Allow us to take your business under our wing and propel it towards the heights of success you’ve always envisioned. With our expert team, your business will not only survive but thrive in the competitive global arena.
Join us in this celebration of success and embark on a path to greatness. With Business Heroes® by your side, the story of your business will be one for the ages – a tale of triumph, innovation, and heroic achievements.
Visit www.drzam.com to learn more about our journey, our future, and how we can make your business the next hero in the story of success.
As the crescent moon shines in the night sky, signaling the joyous conclusion of Ramadan, Hari Raya Aidilfitri 2024 ushers in a period of celebration, reflection, and community. It’s a time when the essence of tradition blends beautifully with the spirit of giving. In this festive season, Dr Zam’s Enterprises Pte Ltd is proud to present a harmonious fusion of health, taste, and philanthropy through our esteemed brand, Oh Fatimah!, and the noble Hj Abdul Kadir & Hjh Fatimah Trust Fund.
The Sugar-Free Taste of Tradition: In the midst of festive feasting, Oh Fatimah! stands out by offering a unique, health-conscious choice without compromising on the rich, authentic flavors of Asia. Our range of Hari Raya Aidilfitri Goodies is a testament to our commitment to heritage and health. These delicacies are crafted meticulously, ensuring that every bite delivers the genuine taste of tradition, all while being sugar-free. This means you can indulge in your festive favorites, relishing the real flavors, and textures, without the added sugar.
A Tribute to Legacy and Community Support: The Hj Abdul Kadir & Hjh Fatimah Trust Fund, named in honor of my late parents, is the heartbeat of our mission to give back to the community. This trust fund diligently works to uplift needy families and individuals from low-income groups, addressing various social aspects of their lives. The essence of Oh Fatimah! is deeply intertwined with this mission, as proceeds from our Aidilifitri Goodies sales go directly to this cause. It’s more than just enjoying a treat; it’s about being part of a larger story of compassion and support.
Savor the Taste, Support the Cause: This Hari Raya, as you gather with loved ones, share stories, and create memories, consider making Oh Fatimah!’s sugar-free delights a part of your celebration. With each purchase, you are not just choosing a healthier lifestyle for yourself and your family but also extending a helping hand to those in need through the Hj Abdul Kadir & Hjh Fatimah Trust Fund. It’s an opportunity to embrace the festive spirit, enjoy the authentic, sugar-free taste of Asia, and contribute to a legacy of generosity and care.
Conclusion: In the spirit of Hari Raya Aidilfitri, let’s come together to celebrate the richness of our traditions, the joy of sharing, and the commitment to community well-being. Explore the delightful world of Oh Fatimah!, where each treat tells a story of culture, care, and compassion. Visit Dr Zam’s Oh Fatimah! to learn more and be a part of our journey of giving, tasting, and celebrating.
Let this Hari Raya be a reflection of our shared values – where every treat savored is a step towards a sweeter, healthier, and more supportive world. Selamat Hari Raya Aidilfitri!
It’s Official! Dr Zam’s Fitness® is now a registered trademark of Dr Zam’s Enterprises Pte Ltd (Singapore). You can look forward to a greater range of high-quality science-based products and services to help you achieve the body you need. The Body Achieves What the Mind Believes®
Meanwhile, check out science-based products and services here under Dr Zam’s Fitness® brand.
In 2021, Dr Zam envisioned a fitness company that is based on Science to achieve the body that anyone desires. Being a human peak performance researcher and coach, Dr Zam has always believed that psychology has a major component in achieving our goals. As such, the tagline for Dr Zam’s Fitness® is The Body Achieves What The Mind Believes.
Dr Zam founded this division of the company as his personal mission to help himself first to attain the best body he could, and achieve greater health, in every aspect of holistic living.
Our Newest Indulge™ Sugarfree Ice Cream Flavour! Bandung (Rose Milk) in celebration of Singapore’s 57th Birthday on 9th August 2022! You can purchase this online soon on top of our three ranges of Premium Classics, Swirls and Chunky (16 flavours made with fresh products)! Check them out here! https://drzam.com/indulge
We are foodies too! Zero Sugar Added, Always Made Delicious! Made with Dr Zam’s Amaze™ All Natural Sweetener!
Lost 70kg of Weight and Reverse Diabetes without Sugar! The Natural Way! No surgery or medications! Still enjoys sweet foods and drinks like he used to!
At Dr Zam’s heaviest he was 145kg, suffering from Diabetes Type II, and had many associated medical conditions. His waistline was 48 inches!Dr Zam does his daily walks (around 10,000 steps) in nature! He loves his walks! Walks are good for health in all aspects! Here, in Dr Zam’s Fitness apparel for the best comfort!Dr Zam works out at his home gym regularly; for the first time in his life, he has maintained his ideal weight, and improved his physique by putting on muscles, and reduced his body fat percentage even lower (from 40% to 18%). His waistline is now 28 inches! 20 inches off his waistline!
Dr Zam’s Mind-blowing Transformation, simply by removing sugar from his diet, and going on Dr Zam’s Keto Fatloss Nutritional Approach™, and his Easy Home Exercise Workout Plan™. Destroy your belly fat! Improve your skin, hair, and other aspects of your body when you remove sugar from your life, forever!Not only was Dr Zam able to reverse diabetes, he was also able to maintain an ideal weight, and improve overall health and physique with Dr Zam’s Keto Fatloss Nutrition™, and Dr Zam’s Easy Home Exercise Workout Plan™. Dr Zam is now working towards getting fitter, and a more defined physique, with a much more athletic body.
Presenting to the world – Dr Zam’s Amaze™ All Natural Sweetener
Dr Zam’s Journey to Reversing Diabetes, Losing Fats and Gaining Muscles
As a researcher and scientist in different fields, Dr Zam carried out research to help him satisfy his sweet cravings, and yet not consume sugar that is harmful to him. Over the years, Dr Zam has successfully developed an all-natural sweetener that has similar cooking and baking qualities to sugar, but with almost zero calories, and no effect on blood sugar levels in the body. Eureka!
Why does it matter so much to Dr Zam?
Dr Zam’s late mother was diabetic, and she suffered from Colorectal Cancer Stage IV. Many of his family members were diabetic, and they suffered complications to health due to this. His late father also suffered from cancer. Dr Zam wanted his children to be healthy, and not suffer from diabetes, or any other health issues like he did.
Sourced from Nature, 100% Natural, Healthiest and Most Amazing Natural Sweetener Ever!
Dr Zam’s formulation is the most amazing all-natural sweetener that tastes as sweet as sugar, has almost zero calories, and has no effects on your blood sugar levels! After years of research and development, this is now made available to the world! Rejoice!Comes in single packs of Family Size 500 grams – for the whole family!
At Dr Zam’s Living, we are committed to sustainability and will always be eco-considerate.
We aim to reduce our carbon footprint as a company, by lowering waste, and unnecessary packaging, and always considering the alternatives that are greener options and friendlier to earth.
Our target is to plant 1,000,000 trees around the world by 2030 through our Green initiatives.
Get Dr Zam’s Living hot in-demand products on all popular platforms! We are available to everyone around the world! Science-based Living for everyone. For Body, Mind and Soul
Calling all aspiring entrepreneurs! Be our affiliates or business associates! Empower yourself to reach out to millions of customers around the world!
PM us today to reserve your mentorship slot with Dr Zam’s Living team! Drop us a message via email at business@drzam.com, and let’s grow this together!
