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United Healthcare's Questionable Business Practices
Posted by
MINNETONKA, MINNESOTA -- I just read an article that says, "Hospital executives rank United Healthcare as the worst insurance company in the United States." (It is available here: www.allbusiness.com/health-care/health-care-facilities). This will come as no surprise to many members and providers alike. Like many others, I want to share my recent experience with United Health Care so that people can decide for themselves whether or not this is the kind of health insurance they feel they want to purchase for their families.
I am a neuropsychologist and was asked to see a UHC member for neuropsychological testing. I filled out all of the appropriate forms required by United Healthcare and received a telephone call authorizing me to test their member. They gave me a cap on the hours (13 hours total) and an authorization number. I provided the services as promised and then sent the appropriate claim to the United Healthcare offices. When they sent me the check, there was a note on the Explanation of Benefits saying I had agreed to a discounted fee (an approximately 50% discount, mind you) through an organization called MultiPlan (If you haven't heard of them, you're in for a treat. They contract with insurance companies to try to persuade clinicians to agree to a reduced fee and they get paid a percentage of what they "save" the insurance company.) Needless to say, I do not and never will have an agreement with this company, as I do not support business practices such as this.
When I contacted United Healthcare to straighten this out, they told me I had to deal with MultiPlan. Multiplan never answers their phone (I wonder why) so I got nowhere until I filed a complaint with the Better Business Bureau. This got the attention of Cindy Hernandez, a Consumer Affairs Advocate for UHC (1-800-842-2656). She researched this issue and came up with a fabulous solution! She decided that United Healthcare had authorized this treatment in error and paid me in error AFTER I HAD RENDERED THE AUTHORIZED TREATMENT to their member. They then "recalculated" the claim form and decided that I actually owe THEM money! They have asked for the entire amount back ($966.68). They have a very fancy way of explaining their "logic" and have added that the original error was with their processor and they have arranged for her "to receive additional training or other intervention as appropriate."
With a second patient, they attempted to get me to accept a reduced fee through MultiPlan for another member and I declined. After that, they refused to pay me AT ALL for the services I provided to the other member while he was in the hospital. United Healthcare also authorized these services and the correct authorization number was submitted with the claims.
In both cases the services were requested by a physician and approved by United Healthcare. The services were rendered as authorized and the appropriate claims were filed. Unfortunately – and this really is the sad part – both of these claims will have to be paid in full by the members. These claims total thousands of dollars.
As I'm sure many of you know, United Healthcare is the focus of a Class Action Lawsuit in New York because of their questionable business practices. When I Googled "United Health Care reviews," I was SHOCKED at the number of complaints against this company. How is it that they are getting away with this kind of behavior?
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Venice09 on 07/01/2010:
I live in New York and when my father became ill, UHC paid for everything, no questions asked. It really helped reduce the stress for my father and myself, as we were already dealing with a lot. That was around ten years ago. I guess things have changed drastically since then. Your experiences with UHC are indeed very sad for you and your patients.
LenaSunShine on 09/12/2010:
We used to have UHC in AZ where legislators passed a law limiting the amount of time insurance companies could take to reimburse medical providers. We were continually squeezed between UHC and our medical providers, which isn't good medicine! After the law was passed, suddenly payments were going through more smoothly (all states should pass such laws). UHC was slapped with a fine in AZ too. Then we managed to escape them, but now we are stuck with them again via one of their subsidiaries contracted to process our employer self-funded insurance plan. We are again experiencing slow payments.
I noticed when the changes for all insurance companies started, about 8 years ago, and they've only become more predatory and worse about ripping off their members. Now, even employer provided plans exploit us and steal from us, as they seduce employers into signing on to more third-party services, marketed as a gift to employees, oh so helpful, all of which make a profit at our and our employers' expense.
LenaSunShine on 09/12/2010:
There are two reasons insurance companies have been and are getting away with robbing us and helping to tank our economy in the process: legislators and medical providers let them go unchecked until they became so rich and powerful, creating an entire industry of third-party industries just to pass our money from us to our medical providers, that it is now much more difficult to stop them. Physicians always had more political clout than did consumers and should have refused the invasions of our medical privacy and all that fine print and arm twisting as soon it started, protecting both patients and providers, but they didn't. As long as they were getting paid, they let the insurance companies create misery for patients and didn't start protesting until it became untenable for them too. Legislators bowing to moneyed lobbying interests did not protect us, which is why medical professionals should have banded together and fought back through their own political pressure. It still needs to be done, it is just much harder now than it would have been if it had been nipped in the bud, and many have suffered in the meantime.
Skye on 09/12/2010:
That is so not true. There are actually doctors out there, who went to school to help others. It's not always about the money for them. In fact, I know two doctors who have gone into private practice, and refuse to deal with insurance any longer. They are sick and tired of insurance companies telling them what they can, and what they cannot do. A person sitting behind a desk is in no position to evaluate someone's medical needs.
Anonymous on 09/12/2010:
I have to agree with Goduke some doctors Charge you a fortune for a simple procedure and you can't negotiate a lower price with them as what happened when I had my teeth worked on 5 grand for a couple new fillings and a cleaning highway robbery.
Anonymous on 09/12/2010:
The doctors also have contracted rates with the insurance companies. The insurance company pays much less than what the doctor may charge someone for the service that is paying cash. That's why so many doctors are not accepting medicare patients anymore. So, if your insurance company won't pay for a service, then you can still have the option of paying cash and most doctors will give you a discount for that (of at least 20%).
Skye on 09/12/2010:
Wally, if you are paying $5000.00 for 2 fillings and a cleaning, I think you better find a new dentist.
Anonymous on 09/12/2010:
Man, wally, that is highway robbery. As Skye said, find a new dentist. Angie's List has even added a physician's/dentist list. That is a good place to start if you don't know anyone who can recommend one.
Anonymous on 09/12/2010:
lol I know sky, I'm looking around cause those fillings fell out need someone who won't charge me an arm and a leg this time.
LenaSunShine on 09/12/2010:
@Skye; You missed my point. I did not refer to individual doctors or why they went into medicine. I referred to the bigger picture of physicians and other medical care providers as a profession. It is their profession and they did and do have more clout than the general public to stand up to insurance companies by organizing to protect both their professions and their patients' rights.
Our medical privacy is Completely gone now, with untold numbers of people with access to it that you and I do not even know exist, and with all of us answering to insurance companies about what medical treatment we can receive. It wasn't like that 15 years ago, but after physicians sided with insurance companies in the 1990s to blow the Clintons' efforts at healthcare reform out of the water, insurance companies took it as a green light for an all out assault in the name of greed. What we have now is the result. Physicians allowed that to happen instead of raising hell when insurance companies first started making moves to come between patients and their medical providers.
As for providers not accepting insurance, I live where many providers refuse to belong to any networks and some refuse to deal with insurance companies at all because there so few of them they don't have to, but that means only those of us with the cash can receive their services. In a system that has become dependent on insurance companies and their feeder industries, not accepting insurance leaves many out completely.
You're absolutely correct about insurance companies inappropriately telling physicians what they can do. My point is, just who has the power to change the status quo we've descended to? The medical providers, that's who, if they will organize and do it. If they did, that would be practicing good medicine because living with the daily stress and fear of illness and injury and fighting ruthless bureaucracies makes Americans physically sick. We need our medical professionals to join together and take medicine back to protect all of us.
Skye on 09/12/2010:
I did not miss your point. I was making a point about certain doctors I know, that are sick and tired of insurance companies, just like everyone else is sick of them. There is no such thing as medical privacy, and I know how the system works. HIPPA, ha joke, and just about every state now has prescription monitoring systems, so that people cannot doctor shop. They say its for medical reasons, but just ask the DEA who is in bed with insurance companies. I could go on and on, but I won't bore anyone with the details. Hubby's home after a 14 hour day and the twins and me want to hang out with daddy before their bedtime.
Night everyone!
Anonymous on 09/12/2010:
I truly believe that the doctor's hands are tied when it comes to dealing with the insurance companies. I can't tell you how much money we spent fighting back and forth to get some claims paid. Besides, the doctors are more concerned with medicine (at least the ones I worked for) than fighting the bureauracy.
Anonymous on 09/12/2010:
I agree Sing, and with this new health care bill the insurance companies are going to get away like bandits you are now forced to sigh up with them and since they can't deny claims for preexisting conditions anymore they will just jack up your premiums till you can't pay em.
LenaSunShine on 09/13/2010:
@Skye: I'm sorry, I thought you missed my point because you wrote, "That is so not true. There are actually doctors out there, who went to school to help others. It's not always about the money for them." You didn't say specifically what you thought was "so not true," and I did not make any comments about the reason doctors went to school, nor that it was only about money for all of them, it appeared to me that you were not responding to my actual post.
I know what you mean about the lack of privacy, the DEA, and so forth and I am the same: "don't get me started." It is enraging, and it is a colossal waste, interferes with our medical treatment, compromises us, and lines pockets other than medical professionals'.
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Horrible Benefits!
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For as long as both Hubby and I have had full time jobs with benefits, we have almost always elected to use my husband's benefits for medical and dental insurance (mainly because I liked their medical insurance more than mine). We would reevaluate this every November when our respective employers' open enrollment period would begin. It's a system that has worked well for us as the coverage has almost always been comperable between our two workplaces.
Last November, when my job's open enrollment was announced, I asked my husband if he had heard anything from his job about OE. He hadn't so I held off on making any changes until close to the end of my enrollment period when I asked him again about it. He said that they had told him that they woulnd't have any information for a few more weeks but as far as he knew, there hadn't been any talk that year about changing providers (it had been a concern in past years as Blue Cross was trying to jack up the prices as usual). Assuming that things were going to be status quo, I made no changes to my employee benefits aside from adding Baby Clutzy Deux to my list of dependants for life insurance and vision insurance (I always carried the vision since his job didn't have any at the time).
Two weeks after my job's OE period ended, my husband called me at work to tell me that his job was switching both the Medical and Dental benefits to UnitedHealthcare. Since they had [snip]footed around and waited until the second week in December to make this announcement, we were SOL. Fortunately all of our physicians were in-network, so that didn't have to change. As far as dental insurance was concerned, I didn't really have any problem with whatever they offered since we had never used the dental benefits no matter who carried them. We just had it as a "just in case."
This spring, we found out that Baby Clutzy has cavities. A lot of them. And they're going to require a lot of work beyond the usual fillings (long story, not going into that). Anyway, we got an estimate from the dentist and I noticed that what was actually listed as the patient's responsibility (about $900 out of the nearly $5K total bill) was much less than what they had told me would be my portion (they told me over the phone that I would be responsible for about $3200 of this bill). I looked at the benefits sheet for our dental insurance and I saw the line that said "Annual Benefit Maximum" was only $1000. I called UnitedHealthcare (their people are very polite, I'll give them that) and they confirmed that they will only pay about $1000 per year per person. What good is that when you're looking at work like this? It was bad enough that I had to search high and low for a pediatric dentist that was "in network" because the insurance would pay nothing for an out of network dentist, but now the most they'll pay is $1000? I thought maybe this was par for the course for all dental insurances (they want prevention and early intervention rather than waiting until something like this happens, I'm sure), but then I looked over the benefits that my employer's dental insurance provided (MetLife), their annual max was $3000!
There's plenty of blame to go around here. We shouldn't have waited so long to take Baby Clutzy to the dentist. But I blame my husband's job for waiting so long to let their workers know that their benefits would be changing (had we known that they were switching providers, I would have gotten on my insurance even before I knew the specifics), I blame the HR lady for convincing my husband to take the lower dental insurance that pays nothing for out of network (I wanted the better paying one that would have paid almost same for out of network as in network) even though that wouldn't have helped the benefit max (same for both plans). And I blame UnitedHealthcare for giving us such useless dental insurance for almost the same cost as I would have paid for the better coverage through my employer!
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Josh on 06/12/2013:
I have never had a dental plan at any employer that paid out more than $1000 a year per person. That is typical and has been around that same amount for about 30 years. Dental plans are not insurance and unlike medical insurance, they do not keep up with the rising costs of dental care. Best action to take is regular dental visits and good routine home dental care. Avoid sodas, sugar, etc and floss and brush 2-3 times a day.
John Nicholson on 06/12/2013:
Welcome to the world of dental insurance. Most of the time they are a real joke, paying little. In your case, don't blame the United Healthcare people, they only cover what they cover. Your problem is with not only the HR people at your husband's work, but with your husband for not finding out what is going on with the insurance before the open enrollment period ended. The people at his work most certainly knew what was going on and I suspect he didn't bother to try to find out about the new year but just "assumed" all would be the same as before. You snooze, you lose. By the way, keep the milk bottle and pacifier away from the child. As well as any juices.
yoke on 06/12/2013:
Dental insurance is a real joke. But I also blame dentists, sorry. I don't trust dentists and they know you will be paying out of pocket for a good portion of the service.
How can you go for regular visits and have one dentist tell you your kids teeth are excellent and then 6 months later have to switch dentists due to insurance and this new one tells you your kids have a bunch of cavities? Who do you believe?
Also think it is disgusting what Orthodontists charge knowing the insurance only pays $1,000-$1,500 of it.
Then when the kids need the wisdom teeth out again a good portion is out of pocket.
OK my vent is over, lol
clutzycook on 06/13/2013:
Josh, I'm telling you that if we had the dental plan through my job, they would have paid out 3,000/yr/pp.
John, he tried and they either couldn't or wouldn't give him any info. According to the line they fed him, they didn't know for sure until a couple days before. But that's par for the course at his job. If we had had an inkling this would be happening, we would have gone straight to my benefits. And BTW, being a nurse, I know all that about juice and milk and bottles. I spent 2 years arguing with my husband about that but he thought that with his biology and chemistry degrees he knew better so here we are. And yes I laid into him after we got done at the dentist.
Yolk, tell me about it. We were just discussing this at work today. I think a lot (not all, but a lot) of dentists were MD wannabes and now they're stuck. Why else would they have the highest suicide rate in the healthcare field?
Nohandle on 06/13/2013:
You guys are way ahead of me because I never worked with a company that offered Dental or Vision Insurance. It was not a pick and choose what you personally wanted, it was all or none for the group plan. We did have excellent Health Insurance and the employee did not pay any premium whatsoever. It was called a job benefit. I don't think the younger employees really appreciated it but I also don't think they knew any better at the time.
I think with any insurance now most among us don't have a clue as to what's going on, I certainly don't. I feel for any of you having to deal with all of it, especially those with children and elderly parents to care for.
DAHealthInsurance on 07/22/2013:
Sounds like your blaming United Health Care, they aren't in the "dental business" so-to-speak. Your husbands company should have had other alternatives than the dental plan that was offered through his primary insurer. I have had several companies offered for dental over the past 20 years, and none of them pay a lot towards dental work. Cleanings, x-rays, etc., yes. But when it comes to major dental work, not much at all. I have chosen to "self insure" my dental work, I set aside $150 per month and I don't touch it until I need it. I use a dental discount card and my kids have had some work done to the tune of about $2K over the past 2 1/2 years, but I know it is going to happen. You can either pay yourself or pay the insurance company and get the surprise later, its up to you. I am an insurance agent and United Health Care is one of the best companies I use for my clients Medicare options. I think it is unfair that you have them a low rating based on this situation alone. They offer more benefits in the Medicare side and the lowest rates with the lowest average increases year after year than any other company I have worked with. Sorry the situation you were backed into caused a poor result with UHC.
DAHealthInsurance on 07/22/2013:
Oh, also... Just because another company offers $3,000 per year, per person, doesn't mean it would have covered your whole dental bill anyhow. You have to look at what procedure was done and what percentage of THAT procedure would be covered. May be more with UHC than other per occurrence? That is why they give you a Statement of Understanding so you can compare plan to plan. Maybe this will help for future...
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Posted by
Wondering why it is costing me more money to use mail order for my insulin than it would be if I ordered it from the local pharmacy? Local Pharmacy it cost $30 for one vial of 70/30 and through you folks it costs $41.66 for each vial! It would be cheaper for me to not get it from you folks. Is there anyway we can cancel or send order back?
Their answer was this:
Thank you for your inquiry. Your order for Humalog Mix shipped out on 10/24/12 with an order number of 83323294. The UPS tracking number is 1Z04W515NW44694700.
For safety reasons, once a medication leaves our facility we are unable to accept it back or refund any money. We apologize for any inconvenience this may cause
If you have any further questions, please reply to this message by clicking the reply.
Many of us cannot just change health INS companies when they control so much! Many of us are on fixed incomes so we are at the mercy of these money grabbers! But one day what goes around will come around I just wish I will be there to see it happen to them!
ACCORDING TO UHC WEBSITE IT STATES THAT USING OPTUMRX IS AND WILL DO THE FOLLOWING: OptumRx is your best choice for a mail order pharmacy because you will be able to receive up to a three-month supply of your prescriptions, convenient home delivery and potential savings. (I ask where is the potential savings?)
I also notice that it states that standard shipping is used: Standard shipping is provided at no charge and there are no additional fees.
(According to Optumrx they charge $75 for shipping my insulin. Where is the savings in that?)
Please realize I just retired and before had UHC but they used Medco Pharmacy. I was only charged $120 for 5 vials of the same insulin for three months. So you see where I am getting screwed.
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David on 12/30/2013:
I have been stuck with UHC for the past three years. Before (on Medco) I was paying $360 every three months on insulin. It is now $4,000 I'm a single parent with 2 kids. Someone is getting rich my friend, unfortunately it surely isn't us.
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Make that "NEVERCARE"!
Posted by
APPLE VALLEY, CALIFORNIA -- After being told that my mom who has Alzheimer's would have NO premiums (turned out to be a lie as we got a payment book shortly thereafter) and very low co-payments on her meds, etc., and being promised that this company provided much better hospitalization coverage, I agreed to switch my mom from her previous healthcare. First off, they couldn't get the effective date correct. She signed the paperwork in January 09, and we were told it would be effective March 09. Then the sales representative called me back to say that was a mistake and it would be in effect February 09. Went to get RXs filled in Feb and was told she was still under her old plan, but the co-pays did not match what she had previously been paying. Spent over an hour on the phone with these people, who said her insurance wasn't in effect until March 09. OK, so paid the higher co-pays on her meds.
Waited until March 1 to get an RX filled for her dental appt, and was told it was not covered. Called back to Customer Service on Monday and was told that she was good to go for dentist and RXs (after being switched around the country and talking to at least 6 or 7 reps). My husband called from the dentist's office, livid, because they could not confirm her eligibility. Oh, and on March 1 we were told that her eligibility was to EXPIRE with NEVERCARE on Feb 29, 09 - THERE WAS NO FEB 29, 09! And why would it expire if it is a new account that had never been in effect yet? My husband tried calling and was told that there were multiple computer screens that had different data in them. Also, they lost the power of attorney that we gave them when we applied for this coverage. Had to send it again - who knows if they have it this time or not.
Then, when I went to get another of her meds refilled, I was told that the co-pay was $122.77 - that for a medicine we had only been paying $3.20 on before. So basically, I am convinced that the sales representative knew absolutely nothing about what she was selling or else was just flat out misrepresenting her product. Either way it is inexcusable to treat seniors with limited incomes like this! I have now switched her to CAREMORE (as fast as I could) and am praying that goes smoother, but still have to live the rest of this month with NEVERCARE and am not sure if they will cover anything at all or not. I am pretty sure they have NEVER paid a claim on ANYTHING for ANYONE before - that is how it sounds when I am trying to deal with this company. Thought Secure Horizons had a decent reputation, but I guess not this part of the company!
Terrible! Terrible! Terrible! Oh, and I can't even e-mail customer service via the web site - no e-mail address is listed! They can rot in you-know-where before I pay any premiums on this garbage! Don't believe their lies!
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Anonymous on 03/18/2009:
As terrible as the medical system is in Canada, I'm always grateful for provincial health care, knowing that my health will never be dependent on what an insurance company or HMO deems suitable. I really hope for you and your mother that the new insurance company works out. I imagine it is stressful enough dealing with Alzheimer's without having to worry about whether her medication etc. will be taken care of. Best of luck to you and your mother.
jenjenn on 03/19/2009:
Premium free insurance? Promised coverage? Did you once ask for a summary plan description? I would want to have the plan info in writing before I signed up for anything.
MaryBronnimann on 06/05/2009:
When I started having trouble with Secure Horizons, I went back to the policy materials they had sent me to find out what was covered....The material was so vague that they could probably avoid paying almost anything. What scam artists.
Lisarnccm on 08/03/2012:
CareMore is horrible
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United Health Care a total ripoff.*
Posted by
NEW YORK -- Essentially, United Health Care is a fraud, starting with the bogus name they use on your membership card, "AARP Medicare Complete." They're not Medicare at all!! They are just "affiliated" with them so they can legally use their name, just as they do with AARP. It's all about marketing, NOT giving you great service. Their sales representative promised me that I would be able to use all my own physicians, which was a [bold face] LIE. You can only use those on their private list, and that's for only simple, cheap "health" procedures. When I went to use them to cover a recent minor surgery, I was shocked to learn from my doctor that I had been turned down!! Why? Because when I had asked all of my current doctors if they would accept Medicare, they all agreed. One catch... none of them accepted United Health Care!!! Get it? they have nothing at all to do with "real" Medicare, only the right to use their name!!!
Here's how United Health Care rips you off.* One month before you turn 65, they FLOOD you with their advertising materials, all of which look "official." Then there fast talking phone reps make you believe that you're getting a "good deal." You THINK that you're being covered by Medicare, but you AREN'T. The additional fact that they also use the "AARP" logo in their ads gives you even more reason to believe that they're a "good deal," when the only thing they're good for are basic, cheap office visits. Should you need even minor surgery like I did, if you doc isn't on their extremely limited list, your shit out of luck. The fact of the matter is, the phone representative totally lied to me when I asked him if I could use my own doctor. You can't. Thankfully, however, in two more months I'll be able to cancel my membership with this clip joint and sign-up with the only one I should have in the first place... original Medicare.
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Obsfucation on 08/30/2014:
First of all, the fact that they are AARP should not make you think they are a "good deal". AARP is a scummy, disreputable outfit, and you'd do well to avoid them.
But more important is that you don't seem to understand how Medicare works. Medicare only pays a portion of your medical expenses. The part they don't pay can be substantial. What United HC (and many others) offer is supplemental insurance to pay the difference, and optionally offer prescription insurance.
Do yourself a service and attend one or more of the seminars offered and educate yourself on what the various plans offer, and how much each costs. They will be very different, and you need to know.
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Complete Incompetence
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My prescription required pre authorization for the new year. My doctor's office was very quick to react with appropriate documentation. Unfortunately United Healthcare was very incompetent. Making multiple calls (more than 4) and being put on hold for an average of at least 12 minutes per call I finally asked the person (Toni) to pull up the pre-authorization approval and verify that it was correctly submitted. It was then determined that United Healthcare had completely messed it up. They had corrected the verbiage of the message but had "forgot" to change the unit of measure. I was then told to call back in 2 hours because the department that handled pre-authorizations was not open. It was I, as a consumer, asked that they open the pre-authorization to verify that it it was correctly filled out before one of the 5 representatives I talked to finally opened the document and discovered that my script had not been filled in 4 days due to their own incompetence. My career has been in analysis and problem resolution and the most basic, first step process is to review the document that is causing the problem. Yet, none of the representatives even though about doing this until I, the customer, recommended that they do this. Even after they finally see what they messed up it will take 3 hours for them to correct it. Sadly, before I made the request for them to open the pre-authorization form all of the representatives were submitting a request for review which would have taken anywhere from 2 to 7 days. I have already been without the prescribed medication for 4 days. I was looking at potentially another 7 days without medication. It is fortunate that this was not a life threatening medication and in need of quick resolution by such an inept company. I am appalled at such ineptness and disgusted with this service. I now have to drive in an ice storm to pick up a script that is 4 days late due to the incompetence of this company.
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Paul on 01/25/2014:
Never dealt with UNH for prescription issues for my mother, but the rest of the story fits like a glove. UNH was her secondary healthcare insurance, and dealing with them to resolve issues usually took at least three phone calls, going through multiple menus and representatives, being given incorrect information, reps saying they would do something but not do it. It was a total nightmare. Not going near that company ever again. They probably have millions and millions of customers and won't miss my business.
BigAl on 01/29/2014:
United Health Services is a scam. I am currently in the middle of a mess caused by them. As soon as I have the time I will post my problems with them. Stay away from them. The government should close them down.
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Out of Pocket Expense
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SALT LAKE CITY, UTAH -- My doctor requested an MRI authorization from United Healthcare. United Healthcare denied the procedure. BUT, they paid the vendor when they submitted their bill. When I called United Healthcare about the authorization and if I could pay for the procedure myself. I was told by 2 customer service reps that I could submit the bill and I would be compensated. NOT!! After 2 months of discussion with various customer service reps (every time I called, I had to give all the particulars of the situation as they could not find the info in their system). Each call took about 60 minutes. At this point, I was told that United Healthcare did not make payments to members but had to pay the vendor. When I asked to speak to a supervisor on one of the calls, I had to ask 4 times and get nasty before they transferred me to a supervisor. I was told I could file a grievance and claim. I received a letter from United Healthcare that they would "discuss" my displeasure with their customer service dept. LOTS GOOD THAT DID I AM SURE. I was told that even though United Healthcare paperwork said the grievance and claim process took 60 days. A customer service supervisor said it wasn't 60 days BUT 60 BUSINESS DAYS. Quite a difference. We have just asked United Healthcare how we would be compensated for emergency services out of country. I was told that I could submit a claim to United Healthcare and they would pay me.
REALLY - United Healthcare wouldn't compensate me for a procedure in the United States and I am to believe they would compensate me out of country??????? I would not recommend United Healthcare to anyone and plan to select another medical provider during the current enrollment period.
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Do not accept employment from this company "Evercare"
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NATIONWIDE, OHIO -- I was a Mid-Level Practitioner for this company (Evercare) for nearly 9 years. I was responsible for 6 Nursing Homes across 2 counties 45 miles apart. If you think you can see all your patients daily within 8-10 hours a day you are dreaming. It is a crime that the entire Evercare Field personnel are overworked, and the Evercare portion of United Health Care is a revolving door. In my Tenur there I had seen a complete turnover 3 times. The pay ranges are adequate to start, but forget a yearly raise, even to the effect of a cost of living adjustment. They also are of the mind set to go after anyone who questions their practices. If you do not like it, as a "at will" employer they will say "if you don't like it leave". What they forget is we are dealing with the sickest, most difficult patients. I would recommend to all the Nurse Practitioners and Physician Assistants to find another orginzation to devote yourself to, someone who cares about its employees and value their devotion to the Patients. I for one worked 60 hours a week on average and after nearly 9 years I said enough, as I had seen so many great people used, and thrown aside. Now all they hire is new grads from school who are looking for the "First Job". I have been in this occuapation many years and am nearly 60 now. This is the worse company I have ever worked for in regards of employee value. I guess I bought into the fact that they were attached to a Large insurer. Just look at what the CEO is making yearly. $48 million dollars...I guess he must have gotten the yearly raises from everyone...Am I bitter? Hell Yes, the system is broken and needs to be fixed.
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SuzeB on 10/27/2011:
Comparing your salary to that of the company CEO will drive you crazy.
M B, RN on 06/18/2012:
Thanks for the insight. My employer, a large nursing Home, had us attend their spiel today. Of was presented by a young fashion train wreck whom evaded any good questions asked. She was adamant that we approach residents and their families to 5enroll. Consensus is the hell we will!
toto on 02/16/2013:
I interviewed with this company exactly 4 weeks ago today. I showed up to the interview on time as planned by the NP recruiter. I emailed them and texted them that I was there and figured since I was not receiving a return email or text that they must have forgotten my appointment. I had just walked out the door and got a call on my cell from this lady wondering if I was still there!! Turns out She and the physician I was to be interviewing with were interviewing another NP candidate during my appointment time. The other NP showed up early and they decided to go ahead and interview her. I waited for an hour as I had no idea where they were. The meeting was held in Panera Bread of all places!! I thought this was odd anyway. I turned around and came back in . I interviewed very well as I had an interview coach. I even asked them how I did. Both stated I interviewed very well and they said my experience would be just what they were looking for. So I waited for a few days and emailed them both thanking them for the opportunity. No email response . I again emailed them both 2 weeks later as they promised me they would let me know in 2 weeks whether or not I got the position. I never received an return email from the physician or the NP recruiter. I then waited another week did the same and finally yesterday decided to email the physician and I guess he realized I was not going to given up and today finally got a response that they chose another candidate with more experience. When I look back at some of the things I discussed with them during the interview I remember discussing my near miss experience at almost being hired at a really shady workers comp practice with no one to mentor me and that the physician that was supposed to be my "collaborating physician" appeared to me to have dementia. I also stated after shadowing there for one day I realized that it would not be for me because I felt it would not be ethical to work in that type of situation.. for various reasons one being the standard care arrangement was very shoddy and I had my attorney put one together.. I expressed to them that I play by the book and I am now so glad that I found this review, because I was at first disappointed, but now I am relieved that I missed that bullet!
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United Healthcare Sucks - Worst Company There Is
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UHC is ridiculous. Does not stand for United HealthCare... more likely Unbelievable Hypocritical CRAP!!!
I am a Breast Cancer survivor and had one type of reconstruction that did not work because of 3rd degree burns from radiation. I am in constant pain, for multiple reasons and there is easily discernible visual deformity... I contacted UHC to locate a DIEP surgeon (this is the only real option if basic expander to implant surgery doesn't work) - someone from their nurse line called me back saying they did not have a specialist after they contacted 15 in-network providers.
Then they told me to file for a Gap Exception for consult - which I did. I located Dr's who do this procedure and gave them all the information as I was instructed to do. They denied the exception for different reasons (let's revisit - same procedure - same need - just different doctors) 1 was denied because they tried to call me 3 times in one day and I did not get back to them that day... (BTW I had told them I would be out of town - and they advised me to call and check the status in 4-5 days) and then one was declined because they said they have in network Dr.'s.. The first name they tried to give me was the doctor that did my original FAILED surgery - so I quickly explained they were wrong he did not do the necessary procedure.. they then sent me a letter with 3 names so I contacted the Dr's they gave me and the staff at each office stated they do not do that type of surgery.
So I sent a letter detailing this to UHC and expressing my concern that whoever is making the decision does not understand the procedure and that not all breast reconstruction after cancer is successful especially when there is damage from radiation. I also sent along a Clinical Gap Exception request (which one of their reps told me is what I needed to do) from my Primary Care Physician.
Still they are ignoring me. I do not understand. I have done everything you have asked. Believe me - I would just have assumed/actually preferred not GETTING Stage 3 Breast Cancer at 43 years of age and needing 2 rounds of Chemotherapy - a double mastectomy - 2 additional surgeries and then daily radiation that caused 3rd degree burns... But it happened. Now it is time for UHC to do what they are supposed to do - provide care.
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Alain on 08/30/2010:
Call your states insurance commission/agency for their advice on how to proceed with this. Also give the American Cancer Society a call at 800-227-2345 to see if that have some ideas since they may have seen this type of situation before.
Venice09 on 08/30/2010:
This is a good example of what people have against health insurance companies. They are not in the business of health.
Robin on 05/27/2011:
I have had this poor excuse for insurance since February, I was told that my Dr would take UHC option 1. My dr made a claim and it was denied, it was just a regular office visit. I decided since they would not cover a regular office visit I would cancel this, I tried to cancel but I was always sent to an extension that did not exist. it would just give a busy signal. I tried to call the # on the statement that declined my claim. The same thing happened I got a busy signal. So I called Visa to stop paying UHC, I also told them to do a chargeback for the previous 3 or 4 months. Visa informed me that I was probably going to lose my case. I don't understand why I am not protected by Visa, when it clearly is a case of fraud. They lie to you to get you reeled in, take your money, and don't provide service. I have a very limited income, as I am now disabled, why is it legal for them to take my money and not cover a simple office visit.
mable on 06/20/2012:
Emily Jensen on 12/11/2013:
This is the worst insurance company ever. Even our Mayo Clinic doctors were given the run around until they finally gave up trying to get authorization for services that should have been covered according to our PPO. Many times we would call and just get disconnected. Optumrx is even worse as their new mail order pharmacy. Absolutely terrible customer service. I'm so glad that my husband's company dumped them and went back to Blue Cross Blue Shield. United Healthcare needs to be shut down.
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Don't Use This Medical Insurance
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MARQUETTE, MICHIGAN -- I retired in December 2011. After retiring, I had to pick up my own insurance for my wife, son, and myself. Our premium was $560 per month with a high deductible of $2500. This insurance did not cover anything.
I had hand surgery. The doc schedules me for trigger finger surgery. Two weeks later, I have surgery. I then need therapy on the hand. The therapy was $3000. 3 months after hand surgery, I get a bill from the hospital saying United not covering surgery. I get a $2000 bill. A simple hand surgery cost me $5000 out of pocket plus my premium. I blame the hospital also for getting authorization for surgery, but not checking to see how much the insurance was covering. Only $500 was covered.
My son had a shoulder injury. United covered the MRI, but I got stuck with another $3000 in therapy for my son.
My wife had a bunch of women's testing. We get a bill showing United is covering $9.00, yep, $9.00 out of a $150 charge for a test.
I figured I spent about $6000 in premiums, and about another $10,000 in out of pocket money for things not covered. From what I guess, only about 5% of everything was covered.
I am getting a new insurance plan. This plan really sucks. You could do better putting your premiums in the bank and paying cash for medical cost.
Thank God nothing serious happened to any body in my family while we had this insurance. Golden Rule should be called Golden Shower.
I plan on researching to the penny what I paid and what United Health Care did not pay. It is amazing. Do not use United Health Care Golden Rule.
Marquette Michigan
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Alain on 01/15/2013:
Contact the Michigan Office of Financial & Insurance Regulation consumer hotline at 877-999-6442 and see if they can't give you some assistance in dealing with United Health Care. You may be able to contest their denial of payment.
Vinnie11 on 01/15/2013:
I also have United Healthcare @ $490/mo with a $3500 deductible. I feel your pain. My daughter was in ICU in August and somehow that $3500 deductible resulted in my spending $10k out of pocket. Then I became ill and had surgery and found out the deductible is $3500 INDIVIDUALLY so I had to shake the money tree and come up with some more. Their trick to delay payment is to say that the medical institution sent the claim to the wrong address or whatever and to resubmit dragging the process out for months and toying with my credit. What I REALLY want to know is what the heck is ObamaCare and how does it fix this? If you are not VERY poor, you're just screwed.
Obsfucation on 01/15/2013:
"Golden Rule should be called Golden Shower"
That alone made the review worth reading!
It might be worth pushing back a little and questioning their decisions, and document the reasons they denied payment. Sometimes you get surprised.
Susan on 01/15/2013:
Ultimately it is your responsibility to read and interpret your policy and verify what is covered and at what percent prior to utilization. I'm not saying your insurance isn't expensive and/or doesn't seem to cover much but unfortunately it is paying what you agreed to when you signed up for the policy.
Vinnie11 on 01/16/2013:
It's not that simple, Susan. There are all kinds of nooks and crannies not covered in the plan docs. For example, my mother and I had the EXACT same surgery with the EXACT same doctor. But after mine, they sent to the doc for my records and deemed mine "cosmetic" and not medically necessary and didn't cover it. I had to appeal. I ended up paying for it anyway but as a result of the appeal, it met my deductible for that year. Then you are punished with a rate increase. Individuals aren't protected under the umbrella of guaranteed group rates. They raise our rates and they raise them frequently. If they find out you have a "problem" they don't cancel you, they raise your rate until you can no longer afford it and cancel them. The industry needs regulation and they need it fast.
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White Bean and Artichoke Dip with Whole Wheat Tortilla Chips
(Makes about 2 cups of dip, recipe from Cooking New American.)
Tortilla Chips Ingredients:
6-8 whole wheat flour tortillas (can also use pita bread)
olive oil for brushing on tortillas (I used a mister)
salt for sprinkling on tortillas (I used Vege-Sal)
Dip Ingredients:
1 can (15 oz.) cannellini beans
1 can (14 oz.) artichoke hearts (I used artichoke bottoms which have hearts only, no leaves)
1 small clove garlic, chopped (about one tsp. chopped garlic)
2 T fresh lemon juice
2 T extra virgin olive oil, plus more for drizzling on top
3 T freshly grated Parmesan cheese
1 tsp. finely chopped fresh rosemary (I used frozen rosemary, if you only have dried rosemary be sure it's completely crushed)
salt and fresh ground black pepper to taste
sweet paprika, for garnish
Drain beans into colander and rinse well, until no foam remains. Let drain at least 5 minutes. Drain artichokes. In food processor, combine beans, artichokes, garlic, and lemon juice and blend until fairly smooth. Keep food processor motor running and add the olive oil in a stream. Add Parmesan, and finely chopped fresh rosemary and pulse about 10 times to blend. Season dip to taste with salt and fresh ground pepper.
Place dip in a serving bowl, sprinkle with a small amount of paprika and drizzle over a small amount of olive. Arrange tortilla chips around bowl and serve.
South Beach Suggestions:
This dip with 100% whole wheat tortilla chips (or pita bread) is a good choice for phase 2 or 3 of the South Beach Diet. This would make a great side dish with something like American Greek Salad or Wanna-Be Greek Salad.
More Tasty and Festive Dips with Beans:
(Recipes from other blogs may or may not be South Beach Diet friendly, check ingredients.)
Slow Roasted Tomato Hummus
White Bean Dip and Baked Wonton Chips from The Unemployed Cook
Roasted Garlic, Pepper, and White Bean Dip from Daily Unadventures in Cooking
White Bean Puree with Polenta Crackers from Brownie Points
Roasted Garlic, Artichoke, and White Bean Spread from Gluten-Free Bay
White Bean Puree with Sun-Dried Tomatoes from Well Fed
Hummus Dilettante from Desert Candy
Hummus from Simply Recipes
Green Onion Hummus from Je Mange la Ville


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Since Tanner Health Source first opened in Carrollton and expanded to locations in Villa Rica and Bremen, Tanner employees have increasingly taken advantage of the exercise classes, cardio equipment and other popular features available at each location.
In March 2010 Tanner Health Source announced plans for a newer, larger Tanner Health Source in Carrollton. Once completed, the new Tanner Health Source promises to take Tanner's employee wellness program to a whole new level.
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WASHINGTON - A woman was grabbed from behind while she was jogging Saturday night.
Fairfax County police say the woman was jogging along Hayfield Road near Old Telegraph Road when a man grabbed her. The woman sprayed him with mace and was able to fight off her attacker.
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Amateur photog's online photo cache. All photos are original pics taken by author and her husband. This is not a place to see those awe inspiring Ansel Adams, these are ordinary subjects shot on a whim most of the time.
Sunday, January 15, 2012
What We Saw When We Took the Boat Out To the Canals Part 2
We continued floating by the canals, went into a smaller canal, which if my memory is correct is one of the man-made ones. These jungles are home to three different monkeys – howler, spider, and white faced. We saw all while staying in Pachira.
What a thrill! I cannot explain the pulchritude of the place or how affected I was of its serenity, beauty, power, and strength. If allowed I would not mind taking this boat trip every single day. So many things to see and hear and experience. Jaguars are said to live here, we didn't see one that day. I wonder if they would come closer to the water. My guess is that they would stay deep in the forest.
Birdwatching is excellent, although there weren't many birds. We saw enough to satisfy us.
A nocturnal bird that was hiding in the thicket.
Preoccupied with shooting the caiman.
Looks like somebody spotted some monkeys.
Friendly competition on who saw it first.
As we were nearing dock, I looked back at the canal and this is what I saw.
This is my entry for this week's WATERY WEDNESDAY.
14 comments:
- Linnea said...
Terrific shots...you transported me to an exotic river! I can't believe those reflections in the water...perfect!
- January 15, 2012 9:54 PM
- Ginnie said...
Just like being in the wild, Maria! I can understand why you loved this. Beautiful reflections in more ways than one! :)
- January 16, 2012 3:54 AM
- Andrea said...
That is really an amazing trip, i am so envious again! You are a very good photographer for getting those lovely shots when the boat is moving. Every shot is beautiful. In places like that sometimes, i don't take pictures so my eyes will always be in full connection to the whole view. I can fully relate with you when you said you would love to do it everyday. I wish i can be with you too! Is that caiman a crocodile, i don't know what a caiman is, OMG!
- January 16, 2012 6:08 PM
- George said...
These are wonderful pictures, especially the last one. I think I would really enjoy this cruise at least as much as the Disney World cruise.
- January 16, 2012 8:20 PM
- bertN said...
This is my kind of a boat ride! Why are the passengers not required to wear their lifejackets?
- January 17, 2012 4:29 AM
- arabesque said...
nothing but still waters and cool, cool reflection.
that big mouth almost scared me! haha!
that thrill made you felt like you were really in a jungle. ^0^
- January 17, 2012 7:17 AM
- Betsy from Tennessee said...
Oh My Heart!!! That is magical. I'd love to be there and take that boat ride. Your reflections are awesome in the first set... Wow--what an awesome place. Thanks so much for taking me with you on that ride. WOW...
- January 17, 2012 11:18 AM
- Chyng said...
shucks, parang disneyland jungle ride nga, kaso the alligator is alive, scary. hehe
- January 17, 2012 5:07 PM
- eyesonme2world said...
Maybe due to I watched too many "anaconda" movies, I feel scary to travel along a quiet river. Not sure whether I will encounter any "special" things or not.. hahaha...
Btw, your photos on the water reflection, so nice! and so clear!
- January 17, 2012 5:38 PM
- Ebie said...
Incredible photos and what a great experience.
Love the different geometric shapes of the reflection!
- January 17, 2012 10:25 PM
- upto6only said...
ganda pero i think i wouldn't be able to take photos while riding that boat hahaha takot ako.
- January 18, 2012 7:25 AM
- gmirage said...
Love that photo of many aiming their camera at something! so interesting what water reflections formed.
Inviting you to join our meme about windows @Vienna and Beyond. See you!
- January 18, 2012 7:41 PM
- Daphn3 LaurA said...
Omg i'm not sure i would be able to relax while sitting in such a small banca (boat). I would always be on the outlook for something to latch out of the water to grab me in. hehe
- January 19, 2012 6:42 PM
- BW said...
beautiful rain forest like setting. what a great place to take pics. Am a bit scared of the crocs though.. what if the boat capsizes :)
- January 26, 2012 3:25 AM


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Diane von Furstenberg's woman has always been the nomad and the dreamer. This season's muse is no exception, especially if the nomad 'travels' by private jet and 'dreams' of sipping cocktails at Mediterranean poolside parties. So you won't be wearing much of this to work next Spring but if you're planning on playing the Bohemian Global Goddess come June, July or August then look no further. Abstract and animal prints in eye-popping colour were interspersed with gorgeously handcrafted macrame dresses in varying lengths whilst flashes of metallics and neons completed the look.
Diane von Furstenberg always manages to bring her inimitable style and heyday glamour to her collection and along with her talented, young co-conspirator, Nathan Jenden, she creates fabulous, flirtatious clothes that are as relevant today as they ever were. Not a surprise then, to see mega-stylists like Rachel Zoe and Patricia Field sitting in the front row along with Blake Lively and Estelle. Zoe was scanning the runway for anything A-list-client-worthy while Field, a few seats away, was no doubt shopping wardrobe options for Sex and the City 2.
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It's another early morning and you're off to the office. You need some coffee, but those fancy places are expensive! Now you can brew your own and represent your alma mater. This 16oz Squat mug shows off Michigan State with the school colors and features the Spartans logo and school name. The lid is sure to keep your coffee warm on your way to work - it seals the top well and closes to keep your beverage from cooling. Enjoy every last drop of your coffee in this Michigan State mug!
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Marine Electrical - Lights, Wiring, Batteries & Switches
LED T-top Light - TacoOrig:$169.99Now $126.05
LED Ceiling Light, Aluminum - SeasenseOrig:$64.99Now $48.49
Vertical Mount Zamak Boat Sidelight, Red - At …Orig:$34.49Now $26.32
Red Lense Spring Mount Courtesy Light SeaDog …Orig:$9.99Now $7.36
Red Lense Spring Mount Courtesy Light SeaDog …Orig:$9.99Now $7.36
LED Ceiling Light, Aluminum - SeasenseOrig:$64.99Now $48.49
LED Dome Light, Blue - SeasenseOrig:$18.49Now $13.81
Shrinkfast 998 Heat Gun - Dr. ShrinkNow $884.27
Fuse Holder, Panel Mount - Blue Sea SystemsOrig:$3.82Now $3.16
2 Position Brass Toggle Switch, On/Off, 1/2&q …Orig:$4.99Now $4.14
LED Companion Way Boat Light, White Cover, Wh …Orig:$7.69Now $6.26
Ignition Switch, OFF-RUN-START, 5 Screw Tab, …Orig:$22.79Now $17.94
Designer Series Tip Light Illuminated Toggle …Orig:$18.25Now $15.08
Thermal AC/DC Push Button Resettable Circuit …Orig:$5.29Now $4.36
Illuminated Toggle Switch Off-On SeaDog LineOrig:$6.75Now $5.57
Boot Toggle - Cole HerseeOrig:$8.29Now $6.13
Small Boat Battery Hold-Down Tray for 24 Seri …Orig:$10.09Now $8.57
Super Bright Surface Mount Interior LED Boat …Orig:$22.99Now $18.43
BOOT-IGNITION SWITCH - SierraOrig:$5.09Now $3.76
Boating Know How
Different Types Of Boat Electrical Parts
The joy or fun of boating is ability to operate a watercraft in the most efficient manner. Although many boats come with the essentials, you may need to upgrade some parts if you are seeking maximum satisfaction. In addition, ... read more the various boat electrical parts need to be replaced in case of fault or aging.
Some of the electrical parts that will be found in most vessels consist of the following:
In order to get the best service from your electrics, it's paramount to go for quality and certified products. Settling for poor quality or substandard products will cause more harm than good. For example, the part may cause the system or electronic to overheat thus damaging it. Too much heat may also lead to a fire. Such mishaps are best avoided by buying boat electrical parts from credible dealers. read less
Some of the electrical parts that will be found in most vessels consist of the following:
Marine Boat LightsProper lighting is necessary if activities are to progress on smoothly without unnecessary interruptions. There are varied types of marine boat lights. Each type will be suited for a particular application. For instance, underwater lights are used to attract fish, spreader lights illuminate the deck as well as the water, and deck lights are fixed on the deck, while LED strips or ribbons are used in tight corners or for ornamental purposes.
Marine Battery Chargers, Batteries & AccessoriesThe boats power source should always be given priority. This is the heart of the operations in the vessel. A boat's battery supplies power to various instruments, electronics and other accessories. Battery chargers are used to charge the boat's batteries. A power cord running from the boat to an offshore power source is used while the boat is docked at the marina.
Boat Wiring & CableOne area of the boat that is usually overlooked is the wiring and cabling. Boaters will let the cables hang loose, fray or even become exposed. Some will also opt for low-quality replacements instead of top notch wires and cables. This will place more strain on the connections as well as the battery or power system. Heavily insulated or marine grade wires are the most suitable.
Marine Electrical Panels & Circuit BreakersElectrical panels are the points where the electrical connections intersect. A good panel needs to have additional slots where extra connections can be made. It should also be made from durable and heat resistant material. Circuit breakers should also feature in a mariners list of boat electrical parts. The breaker cuts off power supply when it senses an electrical overload or short-circuiting.
Marine Shore Power & AC DistributionWhile docked at the harbor, a boat may access the offshore power through connections placed at the dock. The AC power is used to power the boat as well as charge the batteries inside the boat. It's important to make sure the connectors at the port are compatible with the boat system. The cabling also needs to be of high quality to avoid short-circuiting which may damage the boat. While using the offshore power, it's always advisable to disconnect other appliances.
Marine Electrical TerminalsElectrical terminals are the points where electrical connections meet. This point will usually handle high voltages and current. Poor connections may lead to leakage of current and electricity as well as overheating. BusBars which are flat or hollow strips are usually placed in points that have many connections. They allow easy and safe connections without compromising electricity flow.
Marine Electrical MetersDifferent types of meters will be found on the boat. Some will come as standard features while other may be added later by the boat owner. Common types include a voltmeter which measures electricity/power in volts, ammeter (measures electrical current in amps), oil pressure meter, vacuum gauge and many more. Whether repairing, upgrading or installing, always go for a quality meter.
Marine Fuse Blocks, BusBars & Terminal BlocksOverloading the system, technical fault, natural catastrophe, or accident may affect the electrics hence damaging essential components and electronics. This can be avoided by using fuse blocks which burnout and cutoff the power. Terminal blocks allow the disconnections of multiple circuits. BusBars are used in areas where high current is prevalent. They allow easy dissipation of heat. You should replace the boat electrical parts with the same type and quality.
Marine Engine Instrumentation & GaugesTo monitor the boat's performance, marine gauges and instruments are used. They gauges will measure temperature, electricity, pressure and more. Instruments are used to check the weather, gauge, direction, wind speeds, marine life and more. An aging instrument or gauge may start giving unreliable information hence needs to be replaced immediately.
Boat Heating & Air ConditioningDifferent weather and climate may affect the temperature on the boat. It can either be too cold or hot. A good heating system will come handy in the cold while an air-conditioning unit is effective in the hot temperatures. The best accessory should be energy efficient, easy to install, and also environmentally friendly.
Marine Switches - Battery, Ignition, Rocker & ToggleThe electrics in a boat have to be in ship-shape. This is the only way to maximise efficiency and minimize wastage and cost. The battery, switches, toggles, cam switches, rockers and sockets should work in harmony. A faulty part affects other parts. For example, a bad switch will inhibit the flow of electricity or current from the battery to the power sockets.
Marine DC Power Plugs & SocketsMany boats especially the small and mid-size vessels operate on direct current (DC). The voltage will come as 12, 24 or 36 volts. The electrical system consists of wires, plugs and sockets. Plugs attach to the devices or electronics while sockets are fixed on the boat and are the power points. High-quality accessories don't suffer from power leakages or loose connections.
Solar Power Boating AccessoriesDifferent types of electronics, meters and accessories place lots of demand on the boat's battery. To subsidize or backup the battery, solar power unit is used. It consists of solar panels which turn sunlight into electrical currents, a battery to store the power, the charge controller that regulates the amount of power to avoid under or overcharging the battery, and an inverter (optional) that increases the power from 12volts to 110/220 volts AC.
In order to get the best service from your electrics, it's paramount to go for quality and certified products. Settling for poor quality or substandard products will cause more harm than good. For example, the part may cause the system or electronic to overheat thus damaging it. Too much heat may also lead to a fire. Such mishaps are best avoided by buying boat electrical parts from credible dealers. read less
What are Volts, Amps, Watts, and OHMs?
Every electric-based product on iboats.com (along with any other marine store) consists of volts, amps, watts, and OHMs, all of which are crucial units of ... read more currents and pressure. These units work together to create a flow of electric waves and currents. Voltage and amperage specifically work together to create electric currents that cause our products to work as well as they do. All four of these concepts have a unique purpose in creating high-functioning electric waves and pressures.
In this equation, V represents the voltage, and I represent currents (amperage), and R represents the resistance (Ohms). This all ties in with Ohm's law which combines volts, amps, and watts together into a relationship that creates varied amounts of electrical power. .
To summarize, each of the four concepts comes together to form the electric power. The electric power is necessary to make electrical products work as well as they do. So remember... .
Volts and AmpsVoltage consists of the amount of pressure produced in electricity. The higher the voltage, the faster and stronger the pressure will be. Volts are energy, circular motion that creates a pushing flow. Simultaneously, amperage is the amount of electric currents that gets the voltage moving. Voltage would be useless without the amperage, and amperage could not exist without voltage. Volts and amps can be compared to water running through plumbing systems—volts resemble water pressure, and amps represent the flow of that water pressure that gets it moving. .
Watts and OhmsWatts are the source of power produced in the electricity each second. Watts are the muscle in electrical power and currents. By putting in the majority of the effort, this amplifies the strength of the volts and amps. Simultaneously, Ohms are a measure of electrical resistance that is a result of volts and amperage combined. Note the equation below: .
In this equation, V represents the voltage, and I represent currents (amperage), and R represents the resistance (Ohms). This all ties in with Ohm's law which combines volts, amps, and watts together into a relationship that creates varied amounts of electrical power. .
To summarize, each of the four concepts comes together to form the electric power. The electric power is necessary to make electrical products work as well as they do. So remember... .
- Voltage = pressure.
- Amperage = volume/currents.
- Watts = amount of power.
- Ohms = resistance.
Blue Sea Systems Tech Tip: Considerations of Circuit Protection
... read more read less
About Electrical
The harsh marine environment is undoubtedly hardest on a boat's sensitive electrical system; a good reason to never settle for anything but the best marine-grade electrical components and parts. Thanks to the our wide selection, great prices, and quality products from trusted brands such as Attwood, SeaSense, Innovative, Aqua Signal, Perko, Blue Sea Systems, and more, our electrical category is heaven to all our DIY customers looking to do the job only once. We carry every type of boat navigation light, over 9 different categories of electrical switch types, and many options for fuse and busbar blocks, circuit panels and breakers, and battery terminals. You can be confident in getting quality and selection with fast shipping on all the marine electrical parts and accessories you need for your boat.


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We already have on-use defensive acts, on modest cooldowns. Don't see why we need to add one to three more (depending on class) to the mix.
I just posted this on the WoW forums. Thought it might get more thoughtful discussion here though.
I have been reading tank forums (mostly Tankspot) for quite a while now, and understand that the tanking model may change significantly in the next major expansion. Dodge and parry are changing (right?) and maybe block as well. Also the rage/RP generation mechanics may change along with cooldown importance/timing and threat too? So...
I came up with a suggestion on a way to change game mechanics for tanking, to hopefully make tanking more fun, challenging, and different from DPSing, significantly.
**Make "On Use" tank abilities, able to be used only if selected as Talents, for "Block", "Dodge", and "Parry".**
How this would be interesting:
- Have the appropriate stat on gear (say, Parry) reduce the cooldown timer on your Parry ability (like Haste for that ability's cooldown timer only). Same for Block and Dodge. Perhaps a 10 second or 12 second base cooldown on each of these abilities, which scales quicker with more of the given stat.
- Put these on the Global Cooldown. Tanking will be less about "maximize my dps/threat rotation while passive effects keep me alive" and more about "maximize my survival rotation, and dps/threat generate in-between hitting my survival buttons." (maybe make parry/dodge/block generate Threat by using them too)
- On fights where survival isn't as much an issue (but maybe threat/enrage timer is), tanks can consciously increase their threat/dps by using their dps/threat abilities more and survival abilities less. Also as gear increases and survival isn't in danger, tanks will be able to increase dps consciously.
- Involve them in resource generation as well. Perhaps "generate 10 rage" / 400 mana / XX runic power each time you use your Parry/Dodge/Block as a way to recapture the resource you aren't getting by not taking as much damage. Allows more use of your dps abilities by having resources you generated with survival abilities.
- Coordinating with healers for planned usage times would make group communication more interesting too. If I can tell my MT healer "use Hymn of Hope now, I'll avoid the next 3 attacks" by stacking my Dodge then Parry then Block all in sequence (after waiting for them to all light up) that would involve some skill/coordination.
Drawbacks: a completely different model for what parry/dodge/block do to my character would take significant re-coding, testing and fine-tuning. Also, I don't PvP hardly ever and am sure balancing these abilities for PvP would be rough.
Letting tank players have more control though of "I want to avoid THIS attack" instead of uncontrollable RNG deciding when that happens seems like more interesting gameplay as a tank to me. Generally having more buttons to press, more often, for "make me survive" would provide more distinction in tanking, as a role far different from dps. I have always really enjoyed "Spell Reflect" as a prot warrior, making a similar buttor for Dodge, Parry and Block would be cool.
Dunno if Blizzard or other players have considered and trashed this type of idea, but I love this game and if it can be more fun in the future, good.
We already have on-use defensive acts, on modest cooldowns. Don't see why we need to add one to three more (depending on class) to the mix.
Well, my thought is mainly that now, my buttons usually go...
"Shield Slam - Revenge - Devastate - Devastate -.... repeat x infinity", with an occasional shockwave/thunderclap. Shield Block once per minute, either on cooldown or when a known spike is incoming.
These are all attacks. They all do damage. I am attacking the mob actively with each button.
The sole exception on a reasonable timer is Shield Block (+ spell reflect for a miniscule # of pulls). If I even need to use Shield Wall or Last Stand in a given pull, it's usually an "oh-sh!#" moment where someone screwed up. My own decision-making and involvement in my survival as a tank is pretty minimal, most consisting of gear/talent decisions made well prior to the fight. *When* (if) I mitigate, it is unpredictably based on some RNG percentages.
Consider instead a rotation that consisted of:
"Dodge - Block - Shield Slam - Parry - Revenge - Dodge - Devastate - Block - Thunderclap - Shield Slam - Devastate - Parry - Block - Revenge - ..." all of which were active button pushes.
Maybe that seems overwhelming, tanking would be too hard for some people. I think it would be cool, though, to know *I* decided to Parry that swing. I actively "tanked" because I decided to mitigate damage, as opposed to attacking more.
Just like the healer gets to say "I am throwing my big heal / AOE heal *now*" and see a result where they actively healed, and a DPS gets to say "here comes my finisher / lava burst / bloodstrike" and see damage get done; now a tank gets to play at tanking "using my dodge" - see, the dragon missed!
Based on class - yes. Maybe DK's get inherently more Parries available (shorter cooldown) and druids get lots more Dodges or a block-like ability.
It appears the developers are interested in making more significant gameplay changes in the next expansion. Focus, new stat system, etc. I think this would be the opportunity they have to make a major change in tanking style by having all mitigation abilities be active and not a %-based proc. It would certainly allow a lot more different playstyles (or skill levels) for different fights, since the range of abilities you'd have available to use at any given moment would be higher.
I like the idea but there would be a great decline in the amount of tanks because how difficult it would be and threat would be a major difficulty, also i think it would end up at starts of fights tanks getting as much aggro as they could and then the second half of the fight just spamming dodge/parry/block, it would be quite cool but it would never work
Considering that bosses swing every, what, 2 seconds, I think popping your dodge/block/parry abilities would be too spammy and RSI-inducing.
I mean, they're getting rid of "on next swing" mechanics like Heroic Strike for this reason. I'd hate it if they just replaced it with "on next boss swing" ability spam.
I'd rather us not return to the pre wotlk days of spamming shield block non-stop.
READ THIS: Posting & Chat Rules
Complexity does not always improve the playing experience or depth of a game. A point discussed in the early portions of this thread: http://www.tankspot.com/showthread.p...counter-Design
Parry, dodge, block should all remain as "automated" abilities.
I LIKE some of the concept though. I think it'd be fantastic to see a defensive bonus tied to an offensive move.
Let's say.... Mocking Blow.... hit would now do damage.... high threat.... and at same time, have it increase parry X amount for 5 seconds. I think it'd be good to see offensive abilities tied into defensive ones. You use charge..... or a similar ability.... dodge cannot function for 5 seconds after this (since, it's a committed rush to a target).
And improved shield block that, while reducing damage significantly (like 50%), also lowers threat and reduces damage on next attack 20% (since, the player had to really brace their shield to block that hit, and again... committed to defense more).
Think, like Hysteria. +20% damage is great..... but it comes with a price.


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text: Add a distinctive splash of color to your office with our Semikolon Desktop Organizer. There's a compartment for everything from paper clips to stickie notes and pens. And if you don't want to leave your supplies out on your desk, never fear. It's designed to fit perfectly inside our Semikolon Document Boxes.


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We can't swim forever (2011)
Recycled materials, polar bears, electronic cake turntables
This kinetic installation made from laser-cut acrylic as well as recycled household materials is a poetic reference to the plight of the polar bear. It was initially conceived as a window intervention for the Jean Albano Gallery in the fall of 2011 and exhibited in 2013 at the Museum of Contemporary Art Taipei.
Fine Arts, Sculpting2013
darkSky (2009)
Table lamps, plasma monitor, custom software, electricity datalogger
DarkSky is an interactive installation originally commissioned by Chicago's Museum of Contemporary Art. This participatory piece consists of 27 salvaged table lamps that sit on a table with a bamboo top fronted by a large plasma monitor.
When all the lamps are on, the enormous quantity of light produced is overwhelming—the animation on the plasma monitors display dim stars.
Turning all of the lamps off allows the viewers to see dim stars transform into swarms of fireflies. darkSky invites viewers to "choose" a state for the artwork: one that consumes large quantities of energy or one that does not. Both states are intended to be aesthetically compelling; it is up to the viewers to choose one or the other state.Photography, Programming, Sculpting2013
World Offset (2008) was an interactive website that invited people to pledge a small carbon offset. The concept was that collectively, these small gestures of conservation can produce a significant reduction in resource consumption and combat the problem of global warming.
Digital Art, Interaction Design, Web Design2013
Fishbowl explores the complicated politics of video surveillance in our culture through an absurd situation: a goldfish monitors the feed from four spy cameras. The title of the piece, Fishbowl, refers to the focal object, a glass tank that houses an aquatic pet, as well as the second meaning of the word: a place or condition of high public visibility and little or no personal privacy.
In Fishbowl, the goldfish controls the video data generated by four submersible surveillance cameras through its proximity to a particular camera. A fifth spy camera hidden beneath the tank tracks the fish's location in the tank. A laptop computer identifies the camera nearest to the fish's position and turns on the feed for that camera only.
A nearby monitor displays the live feed in quad format from the Fishbowl installation. A linked VCR records the day's activity to tape. An archive of twenty-five tapes will be created during the duration of the Tart exhibition. Very similar in content, each tape speaks to the enormous amount of banal information taped daily in the City of Chicago; information gathered mainly by private cameras installed in the Loop-a heavily surveilled area with approximately three cameras per square city-block.
The main aim of the Fishbowl installation is to raise questions about the omnipresence of camera surveillance in our daily lives as well as the presence or absence of conscious bodies monitoring this enormous quantity of videotape created by private data collection systems.Digital Art, Fine Arts, Interaction Design2013
In her project, Floating Point, Tiffany Holmes studied trans-disciplinary methods of information analysis in the context of making pollution data accessible and informative to the general public—through art and performance.Digital Art, Fine Arts, Information Architecture2013
Follow the Mouse is a multimedia installation that portrays a contemporary work environment with a twist. The desktop in this office cubicle features "liveware, " or an actual mouse in place of standard hardware. The title of the piece, Follow the Mouse, is a common behavior that computer programmers use to make an object trail the mouse pointer around the monitor. It is also, more colloquially, what we all do daily in front of our screens as we work, play, and communicate.Digital Art, Fine Arts, Interaction Design2013
All works © Tiffany Holmes 2013.
Please do not reproduce without the expressed written consent of Tiffany Holmes. Powered by ProSite.
Please do not reproduce without the expressed written consent of Tiffany Holmes. Powered by ProSite.


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Product Recommendations
Product Reviews
Reviewed by 1 customer
- Comfortable
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Best Uses
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Comments about UGG Australia UGG Girls' Classic Patchwork Winter Boots:
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