Denver


The City and County of Denver is the capital and the most populous city of Colorado, in the United States. Denver is a consolidated city-county located in the South Platte River Valley on the High Plains just east of the Front Range of the Southern Rocky Mountains. The Denver downtown district is located immediately east of the confluence of Cherry Creek with the South Platte River, approximately 15 miles (24 km) east of the foothills of the Rocky Mountains. Denver is nicknamed the Mile-High City because its official elevation is exactly one mile, or 5,280 feet (1,609 m) above sea level. The 105th meridian west of Greenwich passes through Denver Union Station, making it the reference point for the Mountain Time Zone. The United States Census Bureau estimates that the population of the City and County of Denver was 588,349 on July 1, 2007, making it the 26th most populous U.S. city. The 5-county Denver-Aurora Metropolitan Statistical Area had an estimated 2007 population of 2,464,866 and ranked as the 21st most populous U.S. metropolitan statistical area, and the 12-county Denver-Aurora-Boulder Combined Statistical Area had an estimated 2007 population of 2,998,878 and ranked as the 17th most populous U.S. metropolitan area. The 18-county Front Range Urban Corridor had an estimated 2007 population of 4,166,855.[4] It is also the second largest city in the Mountain West after Phoenix. The city has the 10th largest central business district in the United States.

12-Step Facilitation Therapy

Twelve-step facilitation therapy is an active engagement strategy designed to increase the likelihood of a substance abuser choosing to become actively involved in 12-step self help groups and promote abstinence. One aspect of facilitation therapy is acceptance: realizing that drug addiction is a chronic illness over which one has no control; that life is unmanageable because of drugs, that willpower alone is insufficient to overcome the problem and that abstinence is the only alternative. Another aspect of facilitation therapy is surrender, which involves giving oneself over to a higher power, accepting the fellowship and support structure of other recovering addicted individuals and following the recovery activities laid out by the 12-step program. The final ingredient in a facilitation therapy is active involvement in 12-step meetings and related activities. While studies support the efficacy of 12-step programs in treating alcohol dependence, the research pertaining to other drugs a person abuses is more preliminary but promising for helping drug abusers sustain recovery.

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Consumer Driven Health Care

Defined narrowly, consumer driven health care refers to health insurance plans that allow members to use personal Health Savings Accounts, Health Reimbursement Arrangements, or similar medical payment products to pay routine health care expenses directly, while a high-deductible health insurance policy protects them from catastrophic medical expenses. High-deductible policies cost less, but the user pays routine medical claims using a pre-funded spending account, often with a special debit card provided by a bank or insurance plan. If the balance on this account runs out, the user then pays claims just like under a regular deductible. Users keep any unused balance or "rollover" at the end of the year to increase future balances, or to invest for future expenses. This system of health care is consumer driven health care because of routine claims using a consumer-controlled account versus a fixed health insurance benefit. That gives patients greater control over their own health budgets. In the consumer-driven model, consumers occupy the primary decision-making role regarding the health care they receive. Consumer driven health care received a boost in the U.S. in 2003, with passage of federal legislation providing tax incentives to those who choose such plans. Proponents argue that most Americans will pay less for health care in the long haul under consumer drive not only because their monthly premiums will be lower, but also because it increases free-market variables in the health care system, fostering competition, which in turn lowers prices and stimulates improvements in service.The Medicare Prescription Drug Improvement and Modernization Act includes provisions to stimulate the popularity of these plans. The law expanded medical savings accounts, renaming them Health Savings Accounts and created tax incentives to encourage adoption of high-deductible health plans. Banks were empowered to create accounts, which deliver tax-free interest to the holders, who can then withdraw money tax free to pay for qualified health care expenditures. To qualify for an HSA, the purchaser must also have a qualifying high-deductible health insurance plan. Participants contribute more to the savings account than would be required to fulfill their annual deductible, and any unused portions of the account accrue without tax penalty so long as the funds are only for qualified medical expenses.

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