text:
Carlos Slim is the king of Business Bros and CEOs for the fourth time in a row—unseating Bill Gates and the Microsoft machine in 2010 with his Mexican Telecom Empire. Carlos Slim is settling into a somewhat traditional position on the Forbes list, this being his fourth year, however turnover happens and it happens fast. One time Big 3 winner Warren Buffet has been bumped down to a still-incredibly-enviable fourth place, by Zara owner Amancio Ortega, proving the global obsession with endless basics is still incredibly acute.
Carlos Slim is worth $73 billion, and has a good lead in the game. His gross earnings thus exceed Gates’ $67 billion by a comfortable margin, and have grown $4 billion since last year’s rankings. Carlos Slim is notable for his venerable philanthropic endeavors. The Mexican billionaire donates millions to education nonprofits and towards efforts to fight world hunger with Bill Gates. Carlos Slim is most notably the CEO of America Movil, worth $36.3 billion.
Carlos Slim reigns supreme over a record 1,426 dollar billionaires—of which 210 are newbies, and 138 are women. Despite horrific economic news, Carlos Slim and co. seem to have only gotten richer over the past year. In a stunning display of satisfying karma, Facebook’s spot dropped notably this year (31 spots) as Mark Zuckerburg’s net worth declined by $4.2 billion.
Carlos Slim is a benefactor in many ways—he has taken the struggling Spanish soccer team Real Oviedo under his wing by buying a majority in the franchise.

lowercased:
carlos slim is the king of business bros and ceos for the fourth time in a row—unseating bill gates and the microsoft machine in 2010 with his mexican telecom empire. carlos slim is settling into a somewhat traditional position on the forbes list, this being his fourth year, however turnover happens and it happens fast. one time big 3 winner warren buffet has been bumped down to a still-incredibly-enviable fourth place, by zara owner amancio ortega, proving the global obsession with endless basics is still incredibly acute.
carlos slim is worth $73 billion, and has a good lead in the game. his gross earnings thus exceed gates’ $67 billion by a comfortable margin, and have grown $4 billion since last year’s rankings. carlos slim is notable for his venerable philanthropic endeavors. the mexican billionaire donates millions to education nonprofits and towards efforts to fight world hunger with bill gates. carlos slim is most notably the ceo of america movil, worth $36.3 billion.
carlos slim reigns supreme over a record 1,426 dollar billionaires—of which 210 are newbies, and 138 are women. despite horrific economic news, carlos slim and co. seem to have only gotten richer over the past year. in a stunning display of satisfying karma, facebook’s spot dropped notably this year (31 spots) as mark zuckerburg’s net worth declined by $4.2 billion.
carlos slim is a benefactor in many ways—he has taken the struggling spanish soccer team real oviedo under his wing by buying a majority in the franchise.


text:
The big reveal of my design for the Young Justice incarnation of Brainiac. Writer Greg Weisman requested something that harkened back to the bald, green alien of the Silver Age version of Brainiac, but one that looked like an alien rather than human, who had then been converted into a cyborg.
The holographic consoles where created by me and added in Photoshop.

lowercased:
the big reveal of my design for the young justice incarnation of brainiac. writer greg weisman requested something that harkened back to the bald, green alien of the silver age version of brainiac, but one that looked like an alien rather than human, who had then been converted into a cyborg.
the holographic consoles where created by me and added in photoshop.


text:
I was born at sea level and I felt in love with the mountains when I was 23 years old.
Pradesh, India, with nordic ski on the top.
wise Life, from sea level to the Himalayas.
with up and down, peaks and beach sessions, and with some hilly treks in between.
specific yoga exercices and breathing to make the acclimation faster and better.
I am enjoying easy « yogatrekking » in Southern France.
During the school holidays I am trekking abroad with daily yoga practice.
between Xmas 2017 and New Eve 2018, and Ipractice outdoor yoga daily.
daily yoga with snorkeling to take underwater photos ... You can join me.

lowercased:
i was born at sea level and i felt in love with the mountains when i was 23 years old.
pradesh, india, with nordic ski on the top.
wise life, from sea level to the himalayas.
with up and down, peaks and beach sessions, and with some hilly treks in between.
specific yoga exercices and breathing to make the acclimation faster and better.
i am enjoying easy « yogatrekking » in southern france.
during the school holidays i am trekking abroad with daily yoga practice.
between xmas 2017 and new eve 2018, and ipractice outdoor yoga daily.
daily yoga with snorkeling to take underwater photos ... you can join me.


text:
Polish Makarov 9X18 caliber. Excellent imported condition, never fired by me.. Has 2 magazines and 2 boxes of ammo. $250.00 cash or trade.
NO PAYPAL... postal money order or your personal check though it must clear the bank before shipping.
Would trade on a lightly used Eotech or recent manifacture, must be AA batteries.

lowercased:
polish makarov 9x18 caliber. excellent imported condition, never fired by me.. has 2 magazines and 2 boxes of ammo. $250.00 cash or trade.
no paypal... postal money order or your personal check though it must clear the bank before shipping.
would trade on a lightly used eotech or recent manifacture, must be aa batteries.


text:
Sometimes the world can feel like a dark and scary place, and it can be all too easy to forget that there are good things happening all around us every single day. Which is exactly why we’re crying happy tears over the story of Skye Savren-McCormick, a 3-year-old cancer survivor who just served as flower girl in her bone marrow donor’s wedding.
We’re not crying — you are!
Skye was diagnosed with a rare form of leukemia when she was less than a year old. Doctors gave her less than a 10% chance of survival and told her family she would need a bone marrow transplant as soon as possible. And that’s where Hayden Hatfield Ryals of Alabama comes in.
Hayden, 26, had registered to become a bone marrow donor through the nonprofit Be the Match when she was in college. “It’s the easiest thing. It’s a cheek swab — swab your cheek, put it in an envelope and they send it off…I thought there’s like a one in a gazillion chance that I would ever be a match,” she said in a June interview with the Dothan Eagle.
But she WAS a match, and with baby Skye. Hayden didn’t hesitate when she found out she could help save a life (even though donations are all completely anonymous, so she didn’t know whose life it would be). Shortly after she donated, she sent an anonymous letter through Be the Match to Skye’s family, letting them know she was thinking of them. Skye’s mom, Talia Savren-McCormick, sent an anonymous letter back, and from there they decided to connect via email, calls, and texts.
Skye's mom went on to say, "I look forward to the years to come with Skye growing up and continuing this relationship with Hayden, and watching Hayden grow up, too."
And perhaps the best part of this whole story? Little Skye is currently in remission.
If you’re interested in registering to become a bone marrow donor and potentially saving a life, you can visit the Be the Match website for more information.

lowercased:
sometimes the world can feel like a dark and scary place, and it can be all too easy to forget that there are good things happening all around us every single day. which is exactly why we’re crying happy tears over the story of skye savren-mccormick, a 3-year-old cancer survivor who just served as flower girl in her bone marrow donor’s wedding.
we’re not crying — you are!
skye was diagnosed with a rare form of leukemia when she was less than a year old. doctors gave her less than a 10% chance of survival and told her family she would need a bone marrow transplant as soon as possible. and that’s where hayden hatfield ryals of alabama comes in.
hayden, 26, had registered to become a bone marrow donor through the nonprofit be the match when she was in college. “it’s the easiest thing. it’s a cheek swab — swab your cheek, put it in an envelope and they send it off…i thought there’s like a one in a gazillion chance that i would ever be a match,” she said in a june interview with the dothan eagle.
but she was a match, and with baby skye. hayden didn’t hesitate when she found out she could help save a life (even though donations are all completely anonymous, so she didn’t know whose life it would be). shortly after she donated, she sent an anonymous letter through be the match to skye’s family, letting them know she was thinking of them. skye’s mom, talia savren-mccormick, sent an anonymous letter back, and from there they decided to connect via email, calls, and texts.
skye's mom went on to say, "i look forward to the years to come with skye growing up and continuing this relationship with hayden, and watching hayden grow up, too."
and perhaps the best part of this whole story? little skye is currently in remission.
if you’re interested in registering to become a bone marrow donor and potentially saving a life, you can visit the be the match website for more information.


text:
originally produced at New Jersey Repertory Company New Jersey Repertory Company , Long Branch, New Jersey.
In the nascent days of photography, sitting for a portrait was no mean feat and the art of capturing a photo was physical labor and highly competitive. It was during this time that an ambitious woman, Julia Cameron, went head-to-head with the neurotic Charles Dodgeson, better known as Lewis Caroll. The two were pioneers in the development of this new art form and each sought to become Britain's premiere photographer. Their divergent views and differing esthetics guaranteed a battle royale.The pawn in their battle became Alice and complicating their relationship is the presence of Lord Alfred Tennyson, the poet laureate of Victorian England and perhaps the closest a poet would ever come to being a rock-star.
We feel that this play is important on two levels. First, it presents an archetypal story. Julia Cameron represents in her person the bohemian, free spirit viewed with suspicion, who chafes under convention and searches for an ideal beauty in her landmark photographs. She is countered by the work of Charles Dodgson who is searching for formalism and coherence in his photos. Therefore, in this play we see graphically revealed through the wonderful script and the visual projections the eternal struggle between mind and heart. In addition, this is a strongly language-based play with a heightened language that is becoming more and more rare in our society where there is a fear of the degradation of language as print media give way to film, television and the internet where sound-bites frequently predominate. The theater, being a language-based art form is one of the last bastions for language and “Exposure Time” is a powerful example of this.

lowercased:
originally produced at new jersey repertory company new jersey repertory company , long branch, new jersey.
in the nascent days of photography, sitting for a portrait was no mean feat and the art of capturing a photo was physical labor and highly competitive. it was during this time that an ambitious woman, julia cameron, went head-to-head with the neurotic charles dodgeson, better known as lewis caroll. the two were pioneers in the development of this new art form and each sought to become britain's premiere photographer. their divergent views and differing esthetics guaranteed a battle royale.the pawn in their battle became alice and complicating their relationship is the presence of lord alfred tennyson, the poet laureate of victorian england and perhaps the closest a poet would ever come to being a rock-star.
we feel that this play is important on two levels. first, it presents an archetypal story. julia cameron represents in her person the bohemian, free spirit viewed with suspicion, who chafes under convention and searches for an ideal beauty in her landmark photographs. she is countered by the work of charles dodgson who is searching for formalism and coherence in his photos. therefore, in this play we see graphically revealed through the wonderful script and the visual projections the eternal struggle between mind and heart. in addition, this is a strongly language-based play with a heightened language that is becoming more and more rare in our society where there is a fear of the degradation of language as print media give way to film, television and the internet where sound-bites frequently predominate. the theater, being a language-based art form is one of the last bastions for language and “exposure time” is a powerful example of this.


text:
The Wharton Club of South Florida is pleased to welcome Dr. Peter Linneman, Principal of Linneman Associates, CEO of KL Realty, and American Land Fund, is Professor Emeritus, Real Estate, Finance, and Business Public Policy at the Wharton School of Business at the University of Pennsylvania.
Dr. Linneman, widely recognized as a leading strategic thinker and investment advisor, has been the co-editor of The Wharton Real Estate Review, published over 80 scholarly articles and three editions of the acclaimed now standard textbook "Real Estate Finance and Investments: Risks and Opportunities", plus the widely read Linneman Letter quarterly report. Peter remains a frequent guest lecturer for major real estate corporations and conference sponsors throughout the world. Peter received numerous awards for excellence including the PREA's prestigious Graaskamp Award for Real Estate Research, Wharton's Zell-Lurie Real Estate Center's Lifetime Achievement Award, Realty Stock Magazine's Special Achievement Award, being named "One of the 25 Most Influential People in Real Estate" by Realtor Magazine. Peter was selected as one of “50 Commercial Real Estate Experts You Should Follow on Twitter” by www.epicpresence.com. See article HERE. Peter was included in the list of New York Observer's "100 Most Powerful People in New York Real Estate". Peter has been active in Africa through his efforts in the "Save A Mind, Give A Choice" educational charity for orphans and children of extreme poverty in rural Kenya.
Join us for a fabulous luncheon with Dr. Linneman who will speak briefly on the state of affairs in commercial real estate in South Florida and allow for an extended Q & A afterwards.
ONLINE REGISTRATION HAS CLOSED- WALK-IN'S ARE WELCOME.

lowercased:
the wharton club of south florida is pleased to welcome dr. peter linneman, principal of linneman associates, ceo of kl realty, and american land fund, is professor emeritus, real estate, finance, and business public policy at the wharton school of business at the university of pennsylvania.
dr. linneman, widely recognized as a leading strategic thinker and investment advisor, has been the co-editor of the wharton real estate review, published over 80 scholarly articles and three editions of the acclaimed now standard textbook "real estate finance and investments: risks and opportunities", plus the widely read linneman letter quarterly report. peter remains a frequent guest lecturer for major real estate corporations and conference sponsors throughout the world. peter received numerous awards for excellence including the prea's prestigious graaskamp award for real estate research, wharton's zell-lurie real estate center's lifetime achievement award, realty stock magazine's special achievement award, being named "one of the 25 most influential people in real estate" by realtor magazine. peter was selected as one of “50 commercial real estate experts you should follow on twitter” by www.epicpresence.com. see article here. peter was included in the list of new york observer's "100 most powerful people in new york real estate". peter has been active in africa through his efforts in the "save a mind, give a choice" educational charity for orphans and children of extreme poverty in rural kenya.
join us for a fabulous luncheon with dr. linneman who will speak briefly on the state of affairs in commercial real estate in south florida and allow for an extended q & a afterwards.
online registration has closed- walk-in's are welcome.


text:
Mark Giordano will have a hearing with the NHL Department of Player Safety on Friday.
The Calgary Flames defenseman is facing discipline for kneeing Minnesota Wild center Mikko Koivu on Thursday. The incident occurred at 6:17 of the third period of Calgary's 2-0 win at Scotiabank Saddledome. Giordano was assessed a minor penalty for tripping. Koivu left the game and did not return.
The following grounds are being considered for supplemental discipline: kneeing. However, the Department of Player Safety retains the right to make adjustments to the infraction upon review.

lowercased:
mark giordano will have a hearing with the nhl department of player safety on friday.
the calgary flames defenseman is facing discipline for kneeing minnesota wild center mikko koivu on thursday. the incident occurred at 6:17 of the third period of calgary's 2-0 win at scotiabank saddledome. giordano was assessed a minor penalty for tripping. koivu left the game and did not return.
the following grounds are being considered for supplemental discipline: kneeing. however, the department of player safety retains the right to make adjustments to the infraction upon review.


text:
Sometimes all you need is a little kayak that allows you to enjoy the water. Most kayaks on the market that fit into the category of short recreational sit-on-tops are literally just little barges that are no fun to paddle. When I started working on the Tsomo design, I wanted to fit as much speed and comfort into the short length as possible, while still allowing it to carry a decent weight.
The Tsomo hull is based on the same concept as the Kasai hull, but I have tweaked it substantially to make it efficient at such a short length. The hull is very wide in the middle for stability and weight-carrying capacity, while the ends are narrow for speed and tracking. Don’t let this kayak’s width fool you, though. The Paddle Cutaways on the deck work like a charm to make paddling comfortable without bashing your paddle against the deck. In fact, I’ve made sure that this boat is easy-to-paddle for children and shorter people, which makes it a great option for families who want one boat that can be shared.
I added a huge Tankwell in the stern, as I can imagine people wanting to use this boat for picnicking. The large tankwell also works great for crates, for which I added square indents to hold crates in position. The tankwell is a winner with the canine members of the family too.
The deck comes complete with the Paddle Rest and Bottle Holder that features on all our rec sit-on-tops, as well as the sturdy and adjustable Footrests that are used in most of our boats. Two Handles on each side plus handles on each end makes it very easy to handle this boat off the water too.
If you are the type of person for whom paddling is more about having fun on the water right here, right now, rather than using your kayak as a means to get to a destination, then all you need is the Tsomo.

lowercased:
sometimes all you need is a little kayak that allows you to enjoy the water. most kayaks on the market that fit into the category of short recreational sit-on-tops are literally just little barges that are no fun to paddle. when i started working on the tsomo design, i wanted to fit as much speed and comfort into the short length as possible, while still allowing it to carry a decent weight.
the tsomo hull is based on the same concept as the kasai hull, but i have tweaked it substantially to make it efficient at such a short length. the hull is very wide in the middle for stability and weight-carrying capacity, while the ends are narrow for speed and tracking. don’t let this kayak’s width fool you, though. the paddle cutaways on the deck work like a charm to make paddling comfortable without bashing your paddle against the deck. in fact, i’ve made sure that this boat is easy-to-paddle for children and shorter people, which makes it a great option for families who want one boat that can be shared.
i added a huge tankwell in the stern, as i can imagine people wanting to use this boat for picnicking. the large tankwell also works great for crates, for which i added square indents to hold crates in position. the tankwell is a winner with the canine members of the family too.
the deck comes complete with the paddle rest and bottle holder that features on all our rec sit-on-tops, as well as the sturdy and adjustable footrests that are used in most of our boats. two handles on each side plus handles on each end makes it very easy to handle this boat off the water too.
if you are the type of person for whom paddling is more about having fun on the water right here, right now, rather than using your kayak as a means to get to a destination, then all you need is the tsomo.


text:
The presumption that people with health insurance plans, under the Affordable Care Act, will be healthier may be a farce. It often follows the idea that consumers with a particular illness will get the right drugs at their disposal, if they get health insurance plans.
An Oregon research for people selected randomly by lottery, for health insurance plans or coverage, showed a major impact on financial health and mental health by Medic pressure and cholesterol level, experienced no significant change.
Another study shows less child and infant mortality, because of Medicaid expansion to pregnant women in the 80’s and 90’s.
We can infer that, health insurance play an important role in improving health, to a degree depending on how the research is conducted or questions asked.
I suppose one of the major motivations for us in doing this study is there’s been so much debate about the Affordable Care Act and relatively little discussion of health, whereas there’s been quite a bit of discussion about financial outcomes.
said Joshua Salomon – a global health professor, at the Harvard Chan School of Public Health.
They analyzed the health status of participants, by comparing the health of those with health insurance plans and those don’t have it. The participants were extracted from a National survey between 1999 and 2012. The result showed that the likelihood of being diagnosed and getting the chronic disease under control is higher within the insured (with health insurance plans).
insurance, which is not a direct contributing factor to health.
Sharon Long, of the Urban Institute health policy center, said that the large survey numbers, can overestimate the importance of having a health insurance plans. In general, researchers do agree on the benefits of health insurance plans.
A health economics professor from Harvard Chan School of Public Health, Katherine Baicker feels that having health insurance plans are better than not been insured.
What seems much less clear to me is how that option compares to other options. None of these studies say which is better: expanding Medicaid, or vouchers for private insurance.
The ideal question now, should be how to restructure health insurance plans, in other to make people get the best from it, and not how big is the effect of health insurance plans on health. Also, there are growing interest involving health insurance coverage and the best way to improve health like poverty eradication. Poverty is mostly associated with poor health.
In response to this, Sharon Long asks whether if pollution (air and water) are addressed, what do we see? Rather than expanding health insurance plans, can there be new strategies?
A high deductible health plan is a low premium insurance plan that comes with higher deductibles. They are designed to take care of more serious, calamitous or catastrophic ailments, while offering less coverage for consistent checkups involving prescription medication.
The high deductible health plan can exceed $6,000 within a calendar year, and once completed the medical insurance plan will begin. During this period, the high deductible health plan has additional co-payments, unlike other medical insurance plans. It comes into play once the deductible is met.
A flexible or health saving account (HSA) is usually connected to a high deductible health plan, in several cases. A specific sum is deposited into your flexible account every payday, while a tax deferral solitary yearly contribution, to a health saving account is made.
A high deductible health plan using flexible spending account, comes with restriction. You either use all the cash in the flex account within the calendar year, or you lose them. Strict measures do apply to how you utilize the cash, so there will be no room for an end of the year spending spree, just to consume all of it. A tight budget is ideal to avoid depositing more money, than you can actually spend within the calendar year.
Using a high deductible health plan with a HSA, any cash commitment made is removable on the basis of tax deferral. Also, certain expenses like for medical are not taxed, while interest accrued in the process, is subject to tax deferral. The balance (unused money) might be rolled over and utilized for future health expenses. The healthier you are, the better the choice of a high deductible health plan with HSA. It can result in a maximum balance. Your medical insurance policy will be greatly reduced, if more money is left in the HSA. This can be re-used in future. Numerous retirees utilize the cash for bill payments, as well as paying for medical insurance policies amid times of unemployment.
High Deductible Health Plan: Who is it for?
Buying a health plan involves a substantial investment. Money is needed for paying medical expenses. So anyone with difficult financial standings, may find it hard should an on-foreseeing medical condition occur. Clients or individuals who need regular medical appointments, is not an excellent fit for high deductible health plan. In the event that medication is required regularly, the monthly cost should be considered prior to investing in a high deductible health plan.
Choosing the right medical insurance plans will help you overcome troublesome times. A high deductible health plan is the ideal choice for many clients. It’s HSA, offers excellent investment opportunity, although it was particularly created for individuals with calamitous medical condition.
MEDEX International travel medical insurance offers assistance with effective travel medical plans for individuals up to 85 years of age. The medical scheme comes with both short term and major medical insurance plans. Each of these plans are fine tuned to help ardent travelers with critical requirements. The enticing MEDEX coverage is designed with emergency reunion features and special covers for minor kids too. An interesting facet that differentiates MEDEX from the rest would be its unique facilities and comprehensive customer support. They assistance spans from hospital payments to pre-trip details to multi-lingual translation support to transfer of funds across the world. MEDEX International travel medical insurance offers few optional facilities too. The coverage includes hazardous sports plans, AD&D Limits, interruptions, lost luggage advantages and unexpected trip cancellation support.
If you are an ardent customer of MEDEX, you will have the ability to enhance your medical plan at any time. However, you should handpick the right plan to enjoy such benefits. For example, very few plans offer the flexibility to enhance their AD&D limits. Also, some MEDEX International travel medical schemes will let your claim lost baggage and optional trip cancellation facilities. One might consider these services as optional. Nevertheless, these plans will help you in the long run.
If you wish to get a MEDEX International travel medical insurance quote, you must navigate through the service provider’s main website. The website will give you a comprehensive insight through all possible MEDEX plans in the market. Consequently, you can compare and contrast as many plans as possible before making a final decision.
Two major MEDEX International travel medical insurance plans would be TravMed Abroad and TravMedChoice. By default, TravMed Abroad offers coverage for people up to 85 years of age. It is a short term travel medical option with evacuation coverage too. If you are affected by health conditions and injuries during a trip, the medical plan will help you. TravMed Abroad is helpful across different nations. And, the service provides annual coverage too.
Another interesting MEDEX International travel medical insurance plan would be TravMed Choice. This is a special coverage for people who are travelling outside their country. The plan lets customers handpick their medical benefit and deductible. It is ideal for global travelers who want sickness and accident insurance. There are many optional services offered by TravMed Choice. This includes package benefits like interruption, trip cancellation and lost luggage.
On the whole, MEDEX is a wonderful International travel medical service provider. It has an experience that spans across three long decades. The service provider is loaded with many enticing features for those who are ought to travel across the world. Also, the plan has facilities for travelers who are ought to reach 85 years of age (this is a rare facility in the industry). However, you should be aware of your needs and wants. This is when you can make the most out of the MEDEX International travel medical insurance scheme.
For a lot of people, holidays are all about spending time with their loved ones and feeling relaxed. However, the process of planning for a successful trip is easy said than done. Regardless of where, how and when you travel, it is quite important to have MEDEX International travel medical insurance policy. An ideal policy will make sure you are taken care at all times.
If you are a novice International traveler, here are few important things you must keep in mind.
In accordance with the old adage, “The sooner the better” – you must plan ahead of time. Take off few hours from your busy schedule and start planning. Look for the towns’ best International travel medical insurance. Remember that there are many service providers with exquisite features. You must compare and contrast as many as possible to bag the best deal.
When you opt for an International travel medical insurance policy, make sure the details are shared and stored properly. Always carry a copy of the papers with you, leave a copy with your dear ones back home and at the hotel room. Additionally, you must provide details of emergency contact too.
Medical insurance service providers are known for a comprehensive range of assistance. Before you go on an international tour, make sure you are aware of the nation’s health risks. There are several nations with identified health problems. If you are ought to visit these countries, you must be physically and mentally prepared.
Never make assumptions with your travel medical insurance scheme. If you are confused or worried about something, read through the policy’s terms and conditions. For example, it would be wiser to inquire if the policy covers luggage and accidents like slipping on ice. After all, it is always wise to be safe than sorry.
At all times, try to buy your medical insurance plan as early as possible. Never wait for last minute offers and deals. Also, take time and read through the policy’s cancellation formalities. Insurance companies have a unique way of reimbursing costs and covering medical conditions. To be safe, you must choose the right policy with the right features.
A lot of ardent travelers tend to extend their period of stay in the travel destination. This is when your travel medical insurance scheme should be modified too. Check if the policy lets you buffer and extend the cover. Do you know that some travel medical insurance schemes offer comprehensive coverage to gears? There are plenty of credit cards and policy providers with special coverage facilities. These covers will ensure the product is replaced or funded when lost or stolen.
Regardless of the policy you pick, make sure you know what you are getting. If you have doubts about the coverage, ask for help from professional healthcare service providers. They will give you a comprehensive insight on what should be done before, during and after the trip for a successful cover.
Are you looking for healthcare insurance quote? We can help. Read up our tips to find out how to find cheap insurance quotes online. We will help you to make the right choice and get the medical insurance plan that will best fit your needs. Choosing the best health insurance does not have to be hard.
When involved in a healthcare insurance, be sure to get as many quotes as possible on your own. This will ensure that you can stand your ground versus an insurance adjuster as well as ensure you are getting a fair quote. If there is a debate, be sure to calmly confront your adjuster and assume that they are not trying to cheat you.
If you can afford to do so, it is cheaper to pay your healthcare insurance premiums all at once rather than by making monthly payments. Most medical insurance companies will charge interest and other fees in addition to your monthly payments, or may offer a discount for paying in a single lump sum.
Healthcare insurance is like any profession: it uses a lot of specialized words (indemnification, liability, etc.) So if you don’t understand something about a policy you’re about to buy, STOP. Ask the health insurance professional you’re talking with to back up and explain in simpler understandable terms. Let them continue or do it again and again, if you still don’t it. Nothing is far worse than buying a health insurance policy with little coverage or costs too much, because you weren’t comfortable in asking the right questions beforehand.
If you have filed a claim for whatever it is, the job of the insurance company is to try minimize that claim, while it’s your job to get back what you lost. If you are fortunate to work in a trustworthy and principled company, you should understand that you and the company are effectively at cross purposes and that you need to be an advocate for recovering your own loss.
The wise consumer will take their own loyalty into account when comparing health insurance companies. An insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. It is quite likely that a healthcare insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.
Healthcare insurance, car insurance, renter’s insurance, pet insurance, travel insurance, you name it.
All of those things are necessary and they insure one’s peace of mind. It is easy to think that paying a minimal monthly amount is ridiculous, but when something catastrophic happens, insurance saves the day. Medical insurance will reimburse one for or pay medical bills.
Purchasing healthcare insurance is necessary and it should factor into everyone’s budget. One hundred dollars every month is far easier to handle than one hundred thousand because something unexpected happened.
With a little knowledge and research you will be better able to find the healthcare insurance you need. Now that you are better equipped to find the healthcare insurance that will best fit your needs you won’t be caught in the trap of making mistakes that many make as they are looking to get a new healthcare insurance policy.
Purchasing reliable health insurance policy is always a great way to have help on the way, when you need it the most, because you never know when you are going to get diagnosed with a disease. You can go through any kind of medical issues and through the financial stress associated with it, if you have the right kind of medical insurance plans. Read these tips to learn more about health insurance policy.
treatment by a dentists, is crucial in preventing further spread down the body, which could ultimately affect the digestive system and other organs. A greater number of Americans lack proper dental care because they do not have dental insurance, so try to stay healthy by buying a proper health insurance policy.
Healthy habits like Exercise, play an important role in lowering a health insurance policy. Cash bonuses are given out by corporations, mostly to employees to fill out a questionnaire about one’s lifestyle; such as exercise and smoking. A favorable score on this questionnaire, can greatly reduce the company employee’s health insurance policy.
So it’s essential, you verify all possible perks provided by your employer in your insurance policy. If you are not careful enough, plenty discounts can pass by without you knowing it. Discounts from exercise equipment, recreation centers, gyms, from non-smoking or even just answering a questionnaire on healthy habits, are usually given out.
More on: what is the best coffee maker?
Nutrition often provides an opportunity for you to lower health insurance policy, just by per-taking in special nutrition programs. To be eligible, you need to consult your health insurance agent. Also losing weight can attract added incentives to your health insurance coverage.
The above health insurance tips, should guide you in your choice of medical insurance plans. Your budget and personal need, should come to mind when searching for the best health insurance plans.
The choice of health insurance policy is based on necessity and not a luxury. So go search for an affordable medical insurance plans now!
Free health insurance will help you meet up with high medical bills and protect you from expensive physician appointments. No one intends to fall ill or meet up with an accident; however, no one can stay away from visiting medical facilities or health care industries in the long run! This is when free health insurance policies become useful. Generally, this insurance scheme will make sure you pay little for health care units that are classed as a part of its in-network hospitals. Some free health insurance plans offer preventive care like check-ups, vaccines and screenings. Even before the deductibles are applied, you will receive preventive care. Above all, the health insurance scheme will take care of your dear one’s medical coverage too.
to individual, there are plenty of policies with fine-tuned requirements. With this being said, you must handpick a policy that best suit your needs and wants! Always remember that there is a thin line between the actual needs & wants.
Free Health Insurance: Commonly Asked Questions!
To begin with, you should come in touch with your parent’s health insurance service provider. Verify if the company offers coverage for dependents too. If yes, you must inquire how long the coverage would be provided. In most cases, free health insurance schemes are offered till the dependents turn 26. Also, you will be eligible for the insurance scheme till you live with your parents and are unmarried. Meanwhile, if the service provider does not offer coverage for dependents, you must wait for a different plan or enroll in a separate health insurance policy.
1) You should be a legal resident or citizen of USA. Several terms and conditions should be satisfied by immigrants. One should read through the state’s local statements to know if they are eligible for the free health insurance. For instance, US citizens who are outside the country for more than 300 days are not expected to avail the free health insurance coverage. Thus, you are not expected to pay any annual fees that is expected from other non-insured citizens.
2) You must have a stable source of income. Generally, if you are single, you should earn at least 11,000 USD. If you have a family of three, you must make 23,000 USD every year.
3) You should be more than 18 years of age.
4) You should be prepared to by an effective coverage health insurance policy from a reliable Marketplace like Exchange.
5) You should be at least living in United States.
6) You must not be incarcerated. This is a fundamental requirement of the free health insurance policy.
There are different types of health insurance policies for people who earn lessor than 16,000 USD. When compared against many health schemes in the market, Medicaid offers affordable health schemes for potential buyers. If you get hold of a free health insurance scheme, you can free yourself from tax credits. In case your employer offers a scheme that costs 10% more than your annual income or if it does not cover 50% of the possible medical expense, you should opt for better health insurance schemes that can delight you with enticing tax benefits. As mentioned previously, remember that there are many free health insurance schemes in the market for potential buyers.
Meanwhile, the process of filling health insurance forms is easy said than done. The applications are based on many important details like the family size and your income. If you don’t fill in the right information, you may not qualify for the free health insurance policy. In case you are unable to visit the service provider, opt for online assistance. These professionals will state if you are eligible for the health benefit or not!
As mentioned previously, Medicaid is one of the finest health insurance policies you can obtain. It offers coverage to people with very little income. In most cases, pregnant women, little children and families are covered. Over the years, Medicaid has witnessed many changes. Experts state that the policy’s rules change once in every three years. Hence, people who did not qualify for the free health insurance scheme several years ago, may qualify now! Above all, the policy does not have a limit on how many times it can applied for.
Another interesting free health insurance scheme would be CHIP alias Children’s Health Insurance Program. It is a low/free coverage for little ones from families that do not qualify for Medicaid. In some states, even pregnant women are allowed to avail the benefits of this free health insurance scheme. Conversely, CHIP is one of those most wanted health insurance benefits in the market.
If you qualify for anyone of these free health insurance policies (Medicaid or CHIP), you can apply for its actual benefits at any time of the year. Nevertheless, you must make sure you are eligible for the free insurance scheme.
Though the facilities offered by free health insurance policies differ from one to another, there are few basic offerings. As mentioned previously, the policies will give free preventive services, at least three free visits to the hospital and plenty of deductibles. Nevertheless, you must read through the policy’s terms and conditions before opting for any free health insurance coverage.
Compare USA companies with the best medical insurance plans for 2015. Everybody is keen on reliable healthcare insurance coverage. Over the years, medical bills have become expensive and complicated. This has increased the need for legit healthcare support. If you are searching for reliable health coverage schemes, here is a quick walk through best medical insurance plans for 2015 in USA.
The list of best medical insurance plans begins with “Express Scripts”. The American based company is extremely famous for its drug utilization program, management services, drug data analysis services and exquisite benefit-design consultation help. It is an ideal plan for government agencies, self insured employers and individuals from the military.
the largest healthcare carrier in the nation. It has more than 7+ million people in its directory. Apart from fine-tuned health insurance schemes for individuals, United Healthcare supports Medicaid programs and state-sponsored initiatives too.
The collection of best medical insurance plans will remain incomplete without “Blue Cross Blue Shield”. It is a federation that combines 37 healthcare companies (separate) and organizations in United States. Conversely, they offer health insurance coverage to more than 100+ million people. BCBSA serves as one of the prime administrators of Medicaid in many regions of United States. In terms of numbers (enrolled number of insurance policy holders), Blue Cross Blue Shield Association is the biggest in the nation (or even in the world).
Another prominent player in offering best medical insurance plans would be Aetna. Some of its best medical insurance plans are out-of-the-box and truly useful. Aetna has being in the industry for a very long time! Being one of the largest healthcare insurance providers in the market, Aetna covers a wide range of health issues. From dental to group life disability to drug services to employee benefits to long term care insurance, Aetna has a plan for everyone in the family. Hence, it is one of the finest health insurance companies to work with! In fact, Aetna delights employers with special benefit programs and insurance facilities through Medicare.
Architecture (MITA). Molina uses a special Health PAS system to help insurance policy holders on the go! Health PAS is a web based solution that uses a local MMIS unit to find patient data, plan benefit and authorize services. Additionally, the PAS System has a comprehensive online portal that provides essential details in just few clicks of a button.
Cigna is ranked amongst the very few companies with best medical insurance plans that can support you when expenses that are not covered by your major healthcare policy arise. For instance, some medical insurance schemes don’t handle accidents or unexpected diseases. In such situations, Cigna’s Supplemental insurance will lend you a hand of help. The insurance service providers will support you with direct cash, when the need arises. This cash can be used for daily expenses and out-of-the-pocket medical bills. Supplemental insurance from Cigna is certainly one of the best medical insurance plans you can avail, since it pays during both recovery and treatment!
Next in the line of best medical insurance plans comes from “Humana”. The insurance policy is meant for families and individuals. The service provider focuses on a discreet motto. It revolves around health and gives people a choice to live well! Humana offers a wide range of best medical insurance plans. This covers vision plans, medical assistance, dental schemes and life insurance policies. Humana stresses on the need for personalized support and affordable insurance help. For instance, individuals who combine vision plans and dental schemes will save at least 35 USD. Humana has many Veteran Packages that are meant for families and US Veterans. As a result, you will have the wit to pull together a healthier you and stronger tomorrow!
Moving on, Kaiser Permanente has some of the best medical insurance plans in the market. The service provider makes life easier by offering better coverage and care. They are not deemed as typical healthcare providers with best medical insurance plans. Instead, they thrive hard to support everyone with health needs! To be more precise, Kaiser Permanente has paired with local communities like fitness establishments and farmers’ markets to promote health. Kaiser Permanente is a healthcare company that focuses on preventive wellness and overall care. They provide many wellness programs, routine appointments and preventive screenings that can remove sicknesses from your life!
Round the clock nursing services.
Endless amount of care, physical support, spiritual assessment and emotional upliftment.
Celtic offers a special Palliative care program. It has exquisite inpatient hospice facilities too!
Last in the list of best medical insurance plans comes from Altius. They offer different types of products like prescription coverage, network coverage and special services. As suggested by its name, prescription coverage deals with dependable health care that handles medical prescriptions. It will help you by drugs at an affordable price! And, in terms of network coverage, Altius has more than 5000+ participating hospitals.
The trend of major medical insurance plans from top companies, is hitting hard though plenty of insurance firms are now emerging with the most innovative approach. Thus, no matter how in debt you are, there is always a solution to your problems. There is no doubt that you will come across affordable medical insurance plans.
Always find out and ask them to send you the conditions, total costs, etc. Compare products listed from other major medical insurance plans and take your time. By contrast, remember to stay tuned to enjoy medical insurance deals that appear online and beware on fine prints and details. Reading policies and insurance plans will help you avoid frustration in the future. Now, let’s move forward.
Let’s proceed by analyzing everything you need, to feel at your best. Thanks to the most affordable medical insurance plans, you can now start taking care of your body; with an espresso maker.
innovations in development or use after your signing up, will no longer be a problem. Since you have the power to make selection prior to selecting any major medical insurance plans.
It is typically to see in the offers of major medical insurance plans, big letters on their medical insurance plans offerings and basic aspects of their health coverage. But in the fine print, is where you are expected to put down all the exclusions in medical insurance coverage or information such as vesting periods (must be taken into account especially in pregnancies) that may affect the type of coverage you want to employ.
It is very unpleasant to learn what is not covered, by medical insurance plans once hospitalized or whenever you require the health care services. It is about having confidence in the health insurer, and what looks too good to be true or attractive should be well investigated.
For this reason, it is important to take time to read all kinds of details in the contract or plan. Many major medical insurance plans experts make emphasis on the fine print and recommend you ask questions. You need to clear all your doubts from the medical insurance plans before signing any insurance contract.
Before formalizing the medical insurance plans, the Policy holder and or insured must make and sign the statement. This statement is necessary for the insurer to know in advance if there is a medical risk to evaluate and assess.
Depending on your age, change your strategy. If you are a young adult, opt for one with low deductibles. If you are older than 50 years, go for the high deductible health plan. Thus, analyze carefully and avoid problems.
You can go ahead and start by comparing extras, premiums, travel assistance, major medical insurance plans discounts and much more. Begin now and change your lifestyle!
Obamacare is an affordable healthcare act that was passed by the congress and signed by the President during early 2010. The act comprises of a set of reformed health insurance schemes and policies. It was promoted to increase the number of individuals with legit health coverage. Obamacare works by overhauling current health insurance service providers and expanding Medicaid. Officially, Medicaid is meant for citizens with very low incomes. The policy offers minimum essential coverage. Conversely, it falls in line with medical facilities offered by employer-based-coverage, Medicare, Medicaid, and many more players in the marketplace. Nevertheless, Obamacare is much more than any ordinary health coverage policy. It covers almost everyone in the healthcare industry, from doctors to patients to restaurants to hospitals or even chocolate shops (this is because all food joints are expected to display calorie listings)!
“Obamacare is working. I talk to a lot of hospital directors. It is working.
Obamacare 101: How does it Work?
It expands Medicaid in a strategic manner.
New insurance exchange policies are designed. Many online portals are set up to help Americans search and buy coverage.
All individuals in the country are expected to have a health insurance policy. Else, they will be forced to pay a hefty penalty.
Obamacare 101: Who Gets Benefited?
Obamacare 101: How Do You Enroll?
According to the Act, individuals can buy a private medical insurance plans only through open enrollment. However, you will be exempted from this condition if a major change has happened in your life. This en covers over marriage, shifting locations or losing your current source of income. In such situations, you can opt for special enrollment.
The Act decides Cost assistance based on your annual income. Individuals qualify for cost assistance if their income falls between 138% and 400% of FPL (Federal Poverty Level). Meanwhile, “Out of Pocket Assistance” is provided only to individuals with silver plans. People who have availed the Cost Assistance benefit must fill a special file called Form 8962 during taxes.
While choosing a healthcare plan from Obamacare, you must keep the plan open till next enrollment (open). Always verify if the plan meets all your requirements. For instance, check if drugs, doctor visits, medical services and major surgeries are covered by the healthcare plan.
Five people, including a former hospital executive and two surgeons, are charged with a massive kickback scheme that resulted in billing $580 million to the government and insurance companies, authorities announced Tuesday.
Two already pleaded guilty and the others have agreed to plead guilty in connection to the scheme, which involved paying tens of millions of dollars to dozens of doctors, chiropractors and others to refer patients to two Southern California hospitals for spinal surgeries, according to a statement from the U.S. attorney’s office.
Over an eight-year period, Pacific Hospital of Long Beach and Tri-City Regional Medical Center in Hawaiian Gardens billed thousands of operations to California’s workers’ compensation system, the U.S. Department of Labor and workers’ compensation insurers.
informed that medical professionals had been offered kickbacks to induce them to refer the surgeries to Pacific Hospital,” the U.S. attorney’s statement said.
“Injured workers were treated like livestock by doctors and hospitals who paid or accepted kickbacks and bribes in exchange for referrals,” California Insurance Commissioner Dave Jones said in a statement.
Pacific Hospital’s former owner, Michael D. Drobot, pleaded guilty last year to taking part in the fraud. He also has acknowledged bribing state Sen. Ron Calderon, who has pleaded not guilty to bribery, fraud and money laundering charges that carry a maximum sentence of 396 years in federal prison. Calderon is awaiting trial next year.
Calderon (D-Montebello) allegedly accepted about $100,000 in exchange for promoting legislation to expand Hollywood tax credits and to protect the financial interests of Pacific Hospital, which benefited from a provision of the workers’ compensation law.
In the other cases, charges were filed against two people on Tuesday, and three previous cases were unsealed Monday.
James L. Canedo, Pacific Hospital’s former chief financial officer, pleaded guilty in September to conspiracy to engage in fraud, money laundering and other crimes. Paul Richard Randall, a health care marketer previously affiliated with Pacific Hospital and with Tri-City Regional Medical Center, pleaded guilty in April 2012 to conspiracy for recruiting chiropractors and doctors to refer patients to Tri-City.
Orthopedic surgeons Philip Sobol of Studio City and Mitchell Cohen of Irvine and Alan Ivar, a Las Vegas chiropractor who used to live in Southern California, have agreed to plead guilty to conspiracy or other charges.
Under terms of their plea agreements, Sobol could be sentenced to up to 10 years in federal prison while Canedo, Ivar and Randall could get up to five years. Cohen faces up to three years for filing a false tax return.
“Health care fraud and kickback schemes burden our health care system, drive up insurance costs for everyone, and corrupt both the doctor-patient relationship and the medical profession itself,” U.S. Attorney Eileen M. Decker said in a statement.
The five defendants will have to pay restitution, which in Canedo’s case will be at least $20 million, authorities said.
WASHINGTON — Cancer researchers say there has been a substantial increase in women under the age of 26 who have received a diagnosis of early-stage cervical cancer, a pattern that they say is most likely an effect of the Affordable Care Act.
Starting in 2010, a provision of the health law allowed dependents to stay on their parents’ health insurance until age 26. The number of uninsured young adults fell substantially in the years that followed. The share of 19- to 25-year-olds without health insurance declined to 21 percent in the first quarter of 2014 from 34 percent in 2010 — french press coffee, a decrease of about four million people, federal data show.
leading to more early-stage diagnoses. Early diagnosis improves the prospects for survival because treatment is more effective and the chance of remission is higher. It also bolsters women’s chances for preserving their fertility during treatment. And women with health insurance are far more likely to get a screening that can identify cancer early.
Researchers used the National Cancer Data Base, a hospital-based registry of about 70 percent of all cancer cases in the United States. They compared diagnoses for women ages 21 to 25 who had cervical cancer with those for women ages 26 to 34, before and after the health law provision began in 2010. Early-stage diagnoses rose substantially among the younger group — the one covered by the law — and stayed flat among the older group.
About 79 percent of the younger group had an early-stage diagnosis in 2011-12, up from about 71 percent in 2007-09. For the older group, the percentage dropped to 71 percent from 73 percent, a change that is not statistically meaningful.
The effect for younger women looked even stronger when analyzed by year. About 84 percent of the younger group had early-stage diagnoses in 2011, compared with 68 percent in 2009. Early-stage diagnoses dropped to 72 percent of the group in 2012, a drop that Dr. Jemal said was typical during increases in screenings, because many of the early-stage cases have already been detected.
For several years, researchers have been trying to test whether the law is working to improve health, but isolating its effects has been tricky. A study this spring found that the number of new diabetes cases identified among poor Americans had surged in states that embraced the Affordable Care Act, but not in states that had not.
Since November 2009, the American College of Obstetricians and Gynecologists has recommended that cervical cancer screening begin at age 21, the only cancer screening recommendation for that age group. Dr. Jemal said that change made it impossible to compare the total number of women who got screened before and after the health care law came into effect.

lowercased:
the presumption that people with health insurance plans, under the affordable care act, will be healthier may be a farce. it often follows the idea that consumers with a particular illness will get the right drugs at their disposal, if they get health insurance plans.
an oregon research for people selected randomly by lottery, for health insurance plans or coverage, showed a major impact on financial health and mental health by medic pressure and cholesterol level, experienced no significant change.
another study shows less child and infant mortality, because of medicaid expansion to pregnant women in the 80’s and 90’s.
we can infer that, health insurance play an important role in improving health, to a degree depending on how the research is conducted or questions asked.
i suppose one of the major motivations for us in doing this study is there’s been so much debate about the affordable care act and relatively little discussion of health, whereas there’s been quite a bit of discussion about financial outcomes.
said joshua salomon – a global health professor, at the harvard chan school of public health.
they analyzed the health status of participants, by comparing the health of those with health insurance plans and those don’t have it. the participants were extracted from a national survey between 1999 and 2012. the result showed that the likelihood of being diagnosed and getting the chronic disease under control is higher within the insured (with health insurance plans).
insurance, which is not a direct contributing factor to health.
sharon long, of the urban institute health policy center, said that the large survey numbers, can overestimate the importance of having a health insurance plans. in general, researchers do agree on the benefits of health insurance plans.
a health economics professor from harvard chan school of public health, katherine baicker feels that having health insurance plans are better than not been insured.
what seems much less clear to me is how that option compares to other options. none of these studies say which is better: expanding medicaid, or vouchers for private insurance.
the ideal question now, should be how to restructure health insurance plans, in other to make people get the best from it, and not how big is the effect of health insurance plans on health. also, there are growing interest involving health insurance coverage and the best way to improve health like poverty eradication. poverty is mostly associated with poor health.
in response to this, sharon long asks whether if pollution (air and water) are addressed, what do we see? rather than expanding health insurance plans, can there be new strategies?
a high deductible health plan is a low premium insurance plan that comes with higher deductibles. they are designed to take care of more serious, calamitous or catastrophic ailments, while offering less coverage for consistent checkups involving prescription medication.
the high deductible health plan can exceed $6,000 within a calendar year, and once completed the medical insurance plan will begin. during this period, the high deductible health plan has additional co-payments, unlike other medical insurance plans. it comes into play once the deductible is met.
a flexible or health saving account (hsa) is usually connected to a high deductible health plan, in several cases. a specific sum is deposited into your flexible account every payday, while a tax deferral solitary yearly contribution, to a health saving account is made.
a high deductible health plan using flexible spending account, comes with restriction. you either use all the cash in the flex account within the calendar year, or you lose them. strict measures do apply to how you utilize the cash, so there will be no room for an end of the year spending spree, just to consume all of it. a tight budget is ideal to avoid depositing more money, than you can actually spend within the calendar year.
using a high deductible health plan with a hsa, any cash commitment made is removable on the basis of tax deferral. also, certain expenses like for medical are not taxed, while interest accrued in the process, is subject to tax deferral. the balance (unused money) might be rolled over and utilized for future health expenses. the healthier you are, the better the choice of a high deductible health plan with hsa. it can result in a maximum balance. your medical insurance policy will be greatly reduced, if more money is left in the hsa. this can be re-used in future. numerous retirees utilize the cash for bill payments, as well as paying for medical insurance policies amid times of unemployment.
high deductible health plan: who is it for?
buying a health plan involves a substantial investment. money is needed for paying medical expenses. so anyone with difficult financial standings, may find it hard should an on-foreseeing medical condition occur. clients or individuals who need regular medical appointments, is not an excellent fit for high deductible health plan. in the event that medication is required regularly, the monthly cost should be considered prior to investing in a high deductible health plan.
choosing the right medical insurance plans will help you overcome troublesome times. a high deductible health plan is the ideal choice for many clients. it’s hsa, offers excellent investment opportunity, although it was particularly created for individuals with calamitous medical condition.
medex international travel medical insurance offers assistance with effective travel medical plans for individuals up to 85 years of age. the medical scheme comes with both short term and major medical insurance plans. each of these plans are fine tuned to help ardent travelers with critical requirements. the enticing medex coverage is designed with emergency reunion features and special covers for minor kids too. an interesting facet that differentiates medex from the rest would be its unique facilities and comprehensive customer support. they assistance spans from hospital payments to pre-trip details to multi-lingual translation support to transfer of funds across the world. medex international travel medical insurance offers few optional facilities too. the coverage includes hazardous sports plans, ad&d limits, interruptions, lost luggage advantages and unexpected trip cancellation support.
if you are an ardent customer of medex, you will have the ability to enhance your medical plan at any time. however, you should handpick the right plan to enjoy such benefits. for example, very few plans offer the flexibility to enhance their ad&d limits. also, some medex international travel medical schemes will let your claim lost baggage and optional trip cancellation facilities. one might consider these services as optional. nevertheless, these plans will help you in the long run.
if you wish to get a medex international travel medical insurance quote, you must navigate through the service provider’s main website. the website will give you a comprehensive insight through all possible medex plans in the market. consequently, you can compare and contrast as many plans as possible before making a final decision.
two major medex international travel medical insurance plans would be travmed abroad and travmedchoice. by default, travmed abroad offers coverage for people up to 85 years of age. it is a short term travel medical option with evacuation coverage too. if you are affected by health conditions and injuries during a trip, the medical plan will help you. travmed abroad is helpful across different nations. and, the service provides annual coverage too.
another interesting medex international travel medical insurance plan would be travmed choice. this is a special coverage for people who are travelling outside their country. the plan lets customers handpick their medical benefit and deductible. it is ideal for global travelers who want sickness and accident insurance. there are many optional services offered by travmed choice. this includes package benefits like interruption, trip cancellation and lost luggage.
on the whole, medex is a wonderful international travel medical service provider. it has an experience that spans across three long decades. the service provider is loaded with many enticing features for those who are ought to travel across the world. also, the plan has facilities for travelers who are ought to reach 85 years of age (this is a rare facility in the industry). however, you should be aware of your needs and wants. this is when you can make the most out of the medex international travel medical insurance scheme.
for a lot of people, holidays are all about spending time with their loved ones and feeling relaxed. however, the process of planning for a successful trip is easy said than done. regardless of where, how and when you travel, it is quite important to have medex international travel medical insurance policy. an ideal policy will make sure you are taken care at all times.
if you are a novice international traveler, here are few important things you must keep in mind.
in accordance with the old adage, “the sooner the better” – you must plan ahead of time. take off few hours from your busy schedule and start planning. look for the towns’ best international travel medical insurance. remember that there are many service providers with exquisite features. you must compare and contrast as many as possible to bag the best deal.
when you opt for an international travel medical insurance policy, make sure the details are shared and stored properly. always carry a copy of the papers with you, leave a copy with your dear ones back home and at the hotel room. additionally, you must provide details of emergency contact too.
medical insurance service providers are known for a comprehensive range of assistance. before you go on an international tour, make sure you are aware of the nation’s health risks. there are several nations with identified health problems. if you are ought to visit these countries, you must be physically and mentally prepared.
never make assumptions with your travel medical insurance scheme. if you are confused or worried about something, read through the policy’s terms and conditions. for example, it would be wiser to inquire if the policy covers luggage and accidents like slipping on ice. after all, it is always wise to be safe than sorry.
at all times, try to buy your medical insurance plan as early as possible. never wait for last minute offers and deals. also, take time and read through the policy’s cancellation formalities. insurance companies have a unique way of reimbursing costs and covering medical conditions. to be safe, you must choose the right policy with the right features.
a lot of ardent travelers tend to extend their period of stay in the travel destination. this is when your travel medical insurance scheme should be modified too. check if the policy lets you buffer and extend the cover. do you know that some travel medical insurance schemes offer comprehensive coverage to gears? there are plenty of credit cards and policy providers with special coverage facilities. these covers will ensure the product is replaced or funded when lost or stolen.
regardless of the policy you pick, make sure you know what you are getting. if you have doubts about the coverage, ask for help from professional healthcare service providers. they will give you a comprehensive insight on what should be done before, during and after the trip for a successful cover.
are you looking for healthcare insurance quote? we can help. read up our tips to find out how to find cheap insurance quotes online. we will help you to make the right choice and get the medical insurance plan that will best fit your needs. choosing the best health insurance does not have to be hard.
when involved in a healthcare insurance, be sure to get as many quotes as possible on your own. this will ensure that you can stand your ground versus an insurance adjuster as well as ensure you are getting a fair quote. if there is a debate, be sure to calmly confront your adjuster and assume that they are not trying to cheat you.
if you can afford to do so, it is cheaper to pay your healthcare insurance premiums all at once rather than by making monthly payments. most medical insurance companies will charge interest and other fees in addition to your monthly payments, or may offer a discount for paying in a single lump sum.
healthcare insurance is like any profession: it uses a lot of specialized words (indemnification, liability, etc.) so if you don’t understand something about a policy you’re about to buy, stop. ask the health insurance professional you’re talking with to back up and explain in simpler understandable terms. let them continue or do it again and again, if you still don’t it. nothing is far worse than buying a health insurance policy with little coverage or costs too much, because you weren’t comfortable in asking the right questions beforehand.
if you have filed a claim for whatever it is, the job of the insurance company is to try minimize that claim, while it’s your job to get back what you lost. if you are fortunate to work in a trustworthy and principled company, you should understand that you and the company are effectively at cross purposes and that you need to be an advocate for recovering your own loss.
the wise consumer will take their own loyalty into account when comparing health insurance companies. an insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. it is quite likely that a healthcare insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.
healthcare insurance, car insurance, renter’s insurance, pet insurance, travel insurance, you name it.
all of those things are necessary and they insure one’s peace of mind. it is easy to think that paying a minimal monthly amount is ridiculous, but when something catastrophic happens, insurance saves the day. medical insurance will reimburse one for or pay medical bills.
purchasing healthcare insurance is necessary and it should factor into everyone’s budget. one hundred dollars every month is far easier to handle than one hundred thousand because something unexpected happened.
with a little knowledge and research you will be better able to find the healthcare insurance you need. now that you are better equipped to find the healthcare insurance that will best fit your needs you won’t be caught in the trap of making mistakes that many make as they are looking to get a new healthcare insurance policy.
purchasing reliable health insurance policy is always a great way to have help on the way, when you need it the most, because you never know when you are going to get diagnosed with a disease. you can go through any kind of medical issues and through the financial stress associated with it, if you have the right kind of medical insurance plans. read these tips to learn more about health insurance policy.
treatment by a dentists, is crucial in preventing further spread down the body, which could ultimately affect the digestive system and other organs. a greater number of americans lack proper dental care because they do not have dental insurance, so try to stay healthy by buying a proper health insurance policy.
healthy habits like exercise, play an important role in lowering a health insurance policy. cash bonuses are given out by corporations, mostly to employees to fill out a questionnaire about one’s lifestyle; such as exercise and smoking. a favorable score on this questionnaire, can greatly reduce the company employee’s health insurance policy.
so it’s essential, you verify all possible perks provided by your employer in your insurance policy. if you are not careful enough, plenty discounts can pass by without you knowing it. discounts from exercise equipment, recreation centers, gyms, from non-smoking or even just answering a questionnaire on healthy habits, are usually given out.
more on: what is the best coffee maker?
nutrition often provides an opportunity for you to lower health insurance policy, just by per-taking in special nutrition programs. to be eligible, you need to consult your health insurance agent. also losing weight can attract added incentives to your health insurance coverage.
the above health insurance tips, should guide you in your choice of medical insurance plans. your budget and personal need, should come to mind when searching for the best health insurance plans.
the choice of health insurance policy is based on necessity and not a luxury. so go search for an affordable medical insurance plans now!
free health insurance will help you meet up with high medical bills and protect you from expensive physician appointments. no one intends to fall ill or meet up with an accident; however, no one can stay away from visiting medical facilities or health care industries in the long run! this is when free health insurance policies become useful. generally, this insurance scheme will make sure you pay little for health care units that are classed as a part of its in-network hospitals. some free health insurance plans offer preventive care like check-ups, vaccines and screenings. even before the deductibles are applied, you will receive preventive care. above all, the health insurance scheme will take care of your dear one’s medical coverage too.
to individual, there are plenty of policies with fine-tuned requirements. with this being said, you must handpick a policy that best suit your needs and wants! always remember that there is a thin line between the actual needs & wants.
free health insurance: commonly asked questions!
to begin with, you should come in touch with your parent’s health insurance service provider. verify if the company offers coverage for dependents too. if yes, you must inquire how long the coverage would be provided. in most cases, free health insurance schemes are offered till the dependents turn 26. also, you will be eligible for the insurance scheme till you live with your parents and are unmarried. meanwhile, if the service provider does not offer coverage for dependents, you must wait for a different plan or enroll in a separate health insurance policy.
1) you should be a legal resident or citizen of usa. several terms and conditions should be satisfied by immigrants. one should read through the state’s local statements to know if they are eligible for the free health insurance. for instance, us citizens who are outside the country for more than 300 days are not expected to avail the free health insurance coverage. thus, you are not expected to pay any annual fees that is expected from other non-insured citizens.
2) you must have a stable source of income. generally, if you are single, you should earn at least 11,000 usd. if you have a family of three, you must make 23,000 usd every year.
3) you should be more than 18 years of age.
4) you should be prepared to by an effective coverage health insurance policy from a reliable marketplace like exchange.
5) you should be at least living in united states.
6) you must not be incarcerated. this is a fundamental requirement of the free health insurance policy.
there are different types of health insurance policies for people who earn lessor than 16,000 usd. when compared against many health schemes in the market, medicaid offers affordable health schemes for potential buyers. if you get hold of a free health insurance scheme, you can free yourself from tax credits. in case your employer offers a scheme that costs 10% more than your annual income or if it does not cover 50% of the possible medical expense, you should opt for better health insurance schemes that can delight you with enticing tax benefits. as mentioned previously, remember that there are many free health insurance schemes in the market for potential buyers.
meanwhile, the process of filling health insurance forms is easy said than done. the applications are based on many important details like the family size and your income. if you don’t fill in the right information, you may not qualify for the free health insurance policy. in case you are unable to visit the service provider, opt for online assistance. these professionals will state if you are eligible for the health benefit or not!
as mentioned previously, medicaid is one of the finest health insurance policies you can obtain. it offers coverage to people with very little income. in most cases, pregnant women, little children and families are covered. over the years, medicaid has witnessed many changes. experts state that the policy’s rules change once in every three years. hence, people who did not qualify for the free health insurance scheme several years ago, may qualify now! above all, the policy does not have a limit on how many times it can applied for.
another interesting free health insurance scheme would be chip alias children’s health insurance program. it is a low/free coverage for little ones from families that do not qualify for medicaid. in some states, even pregnant women are allowed to avail the benefits of this free health insurance scheme. conversely, chip is one of those most wanted health insurance benefits in the market.
if you qualify for anyone of these free health insurance policies (medicaid or chip), you can apply for its actual benefits at any time of the year. nevertheless, you must make sure you are eligible for the free insurance scheme.
though the facilities offered by free health insurance policies differ from one to another, there are few basic offerings. as mentioned previously, the policies will give free preventive services, at least three free visits to the hospital and plenty of deductibles. nevertheless, you must read through the policy’s terms and conditions before opting for any free health insurance coverage.
compare usa companies with the best medical insurance plans for 2015. everybody is keen on reliable healthcare insurance coverage. over the years, medical bills have become expensive and complicated. this has increased the need for legit healthcare support. if you are searching for reliable health coverage schemes, here is a quick walk through best medical insurance plans for 2015 in usa.
the list of best medical insurance plans begins with “express scripts”. the american based company is extremely famous for its drug utilization program, management services, drug data analysis services and exquisite benefit-design consultation help. it is an ideal plan for government agencies, self insured employers and individuals from the military.
the largest healthcare carrier in the nation. it has more than 7+ million people in its directory. apart from fine-tuned health insurance schemes for individuals, united healthcare supports medicaid programs and state-sponsored initiatives too.
the collection of best medical insurance plans will remain incomplete without “blue cross blue shield”. it is a federation that combines 37 healthcare companies (separate) and organizations in united states. conversely, they offer health insurance coverage to more than 100+ million people. bcbsa serves as one of the prime administrators of medicaid in many regions of united states. in terms of numbers (enrolled number of insurance policy holders), blue cross blue shield association is the biggest in the nation (or even in the world).
another prominent player in offering best medical insurance plans would be aetna. some of its best medical insurance plans are out-of-the-box and truly useful. aetna has being in the industry for a very long time! being one of the largest healthcare insurance providers in the market, aetna covers a wide range of health issues. from dental to group life disability to drug services to employee benefits to long term care insurance, aetna has a plan for everyone in the family. hence, it is one of the finest health insurance companies to work with! in fact, aetna delights employers with special benefit programs and insurance facilities through medicare.
architecture (mita). molina uses a special health pas system to help insurance policy holders on the go! health pas is a web based solution that uses a local mmis unit to find patient data, plan benefit and authorize services. additionally, the pas system has a comprehensive online portal that provides essential details in just few clicks of a button.
cigna is ranked amongst the very few companies with best medical insurance plans that can support you when expenses that are not covered by your major healthcare policy arise. for instance, some medical insurance schemes don’t handle accidents or unexpected diseases. in such situations, cigna’s supplemental insurance will lend you a hand of help. the insurance service providers will support you with direct cash, when the need arises. this cash can be used for daily expenses and out-of-the-pocket medical bills. supplemental insurance from cigna is certainly one of the best medical insurance plans you can avail, since it pays during both recovery and treatment!
next in the line of best medical insurance plans comes from “humana”. the insurance policy is meant for families and individuals. the service provider focuses on a discreet motto. it revolves around health and gives people a choice to live well! humana offers a wide range of best medical insurance plans. this covers vision plans, medical assistance, dental schemes and life insurance policies. humana stresses on the need for personalized support and affordable insurance help. for instance, individuals who combine vision plans and dental schemes will save at least 35 usd. humana has many veteran packages that are meant for families and us veterans. as a result, you will have the wit to pull together a healthier you and stronger tomorrow!
moving on, kaiser permanente has some of the best medical insurance plans in the market. the service provider makes life easier by offering better coverage and care. they are not deemed as typical healthcare providers with best medical insurance plans. instead, they thrive hard to support everyone with health needs! to be more precise, kaiser permanente has paired with local communities like fitness establishments and farmers’ markets to promote health. kaiser permanente is a healthcare company that focuses on preventive wellness and overall care. they provide many wellness programs, routine appointments and preventive screenings that can remove sicknesses from your life!
round the clock nursing services.
endless amount of care, physical support, spiritual assessment and emotional upliftment.
celtic offers a special palliative care program. it has exquisite inpatient hospice facilities too!
last in the list of best medical insurance plans comes from altius. they offer different types of products like prescription coverage, network coverage and special services. as suggested by its name, prescription coverage deals with dependable health care that handles medical prescriptions. it will help you by drugs at an affordable price! and, in terms of network coverage, altius has more than 5000+ participating hospitals.
the trend of major medical insurance plans from top companies, is hitting hard though plenty of insurance firms are now emerging with the most innovative approach. thus, no matter how in debt you are, there is always a solution to your problems. there is no doubt that you will come across affordable medical insurance plans.
always find out and ask them to send you the conditions, total costs, etc. compare products listed from other major medical insurance plans and take your time. by contrast, remember to stay tuned to enjoy medical insurance deals that appear online and beware on fine prints and details. reading policies and insurance plans will help you avoid frustration in the future. now, let’s move forward.
let’s proceed by analyzing everything you need, to feel at your best. thanks to the most affordable medical insurance plans, you can now start taking care of your body; with an espresso maker.
innovations in development or use after your signing up, will no longer be a problem. since you have the power to make selection prior to selecting any major medical insurance plans.
it is typically to see in the offers of major medical insurance plans, big letters on their medical insurance plans offerings and basic aspects of their health coverage. but in the fine print, is where you are expected to put down all the exclusions in medical insurance coverage or information such as vesting periods (must be taken into account especially in pregnancies) that may affect the type of coverage you want to employ.
it is very unpleasant to learn what is not covered, by medical insurance plans once hospitalized or whenever you require the health care services. it is about having confidence in the health insurer, and what looks too good to be true or attractive should be well investigated.
for this reason, it is important to take time to read all kinds of details in the contract or plan. many major medical insurance plans experts make emphasis on the fine print and recommend you ask questions. you need to clear all your doubts from the medical insurance plans before signing any insurance contract.
before formalizing the medical insurance plans, the policy holder and or insured must make and sign the statement. this statement is necessary for the insurer to know in advance if there is a medical risk to evaluate and assess.
depending on your age, change your strategy. if you are a young adult, opt for one with low deductibles. if you are older than 50 years, go for the high deductible health plan. thus, analyze carefully and avoid problems.
you can go ahead and start by comparing extras, premiums, travel assistance, major medical insurance plans discounts and much more. begin now and change your lifestyle!
obamacare is an affordable healthcare act that was passed by the congress and signed by the president during early 2010. the act comprises of a set of reformed health insurance schemes and policies. it was promoted to increase the number of individuals with legit health coverage. obamacare works by overhauling current health insurance service providers and expanding medicaid. officially, medicaid is meant for citizens with very low incomes. the policy offers minimum essential coverage. conversely, it falls in line with medical facilities offered by employer-based-coverage, medicare, medicaid, and many more players in the marketplace. nevertheless, obamacare is much more than any ordinary health coverage policy. it covers almost everyone in the healthcare industry, from doctors to patients to restaurants to hospitals or even chocolate shops (this is because all food joints are expected to display calorie listings)!
“obamacare is working. i talk to a lot of hospital directors. it is working.
obamacare 101: how does it work?
it expands medicaid in a strategic manner.
new insurance exchange policies are designed. many online portals are set up to help americans search and buy coverage.
all individuals in the country are expected to have a health insurance policy. else, they will be forced to pay a hefty penalty.
obamacare 101: who gets benefited?
obamacare 101: how do you enroll?
according to the act, individuals can buy a private medical insurance plans only through open enrollment. however, you will be exempted from this condition if a major change has happened in your life. this en covers over marriage, shifting locations or losing your current source of income. in such situations, you can opt for special enrollment.
the act decides cost assistance based on your annual income. individuals qualify for cost assistance if their income falls between 138% and 400% of fpl (federal poverty level). meanwhile, “out of pocket assistance” is provided only to individuals with silver plans. people who have availed the cost assistance benefit must fill a special file called form 8962 during taxes.
while choosing a healthcare plan from obamacare, you must keep the plan open till next enrollment (open). always verify if the plan meets all your requirements. for instance, check if drugs, doctor visits, medical services and major surgeries are covered by the healthcare plan.
five people, including a former hospital executive and two surgeons, are charged with a massive kickback scheme that resulted in billing $580 million to the government and insurance companies, authorities announced tuesday.
two already pleaded guilty and the others have agreed to plead guilty in connection to the scheme, which involved paying tens of millions of dollars to dozens of doctors, chiropractors and others to refer patients to two southern california hospitals for spinal surgeries, according to a statement from the u.s. attorney’s office.
over an eight-year period, pacific hospital of long beach and tri-city regional medical center in hawaiian gardens billed thousands of operations to california’s workers’ compensation system, the u.s. department of labor and workers’ compensation insurers.
informed that medical professionals had been offered kickbacks to induce them to refer the surgeries to pacific hospital,” the u.s. attorney’s statement said.
“injured workers were treated like livestock by doctors and hospitals who paid or accepted kickbacks and bribes in exchange for referrals,” california insurance commissioner dave jones said in a statement.
pacific hospital’s former owner, michael d. drobot, pleaded guilty last year to taking part in the fraud. he also has acknowledged bribing state sen. ron calderon, who has pleaded not guilty to bribery, fraud and money laundering charges that carry a maximum sentence of 396 years in federal prison. calderon is awaiting trial next year.
calderon (d-montebello) allegedly accepted about $100,000 in exchange for promoting legislation to expand hollywood tax credits and to protect the financial interests of pacific hospital, which benefited from a provision of the workers’ compensation law.
in the other cases, charges were filed against two people on tuesday, and three previous cases were unsealed monday.
james l. canedo, pacific hospital’s former chief financial officer, pleaded guilty in september to conspiracy to engage in fraud, money laundering and other crimes. paul richard randall, a health care marketer previously affiliated with pacific hospital and with tri-city regional medical center, pleaded guilty in april 2012 to conspiracy for recruiting chiropractors and doctors to refer patients to tri-city.
orthopedic surgeons philip sobol of studio city and mitchell cohen of irvine and alan ivar, a las vegas chiropractor who used to live in southern california, have agreed to plead guilty to conspiracy or other charges.
under terms of their plea agreements, sobol could be sentenced to up to 10 years in federal prison while canedo, ivar and randall could get up to five years. cohen faces up to three years for filing a false tax return.
“health care fraud and kickback schemes burden our health care system, drive up insurance costs for everyone, and corrupt both the doctor-patient relationship and the medical profession itself,” u.s. attorney eileen m. decker said in a statement.
the five defendants will have to pay restitution, which in canedo’s case will be at least $20 million, authorities said.
washington — cancer researchers say there has been a substantial increase in women under the age of 26 who have received a diagnosis of early-stage cervical cancer, a pattern that they say is most likely an effect of the affordable care act.
starting in 2010, a provision of the health law allowed dependents to stay on their parents’ health insurance until age 26. the number of uninsured young adults fell substantially in the years that followed. the share of 19- to 25-year-olds without health insurance declined to 21 percent in the first quarter of 2014 from 34 percent in 2010 — french press coffee, a decrease of about four million people, federal data show.
leading to more early-stage diagnoses. early diagnosis improves the prospects for survival because treatment is more effective and the chance of remission is higher. it also bolsters women’s chances for preserving their fertility during treatment. and women with health insurance are far more likely to get a screening that can identify cancer early.
researchers used the national cancer data base, a hospital-based registry of about 70 percent of all cancer cases in the united states. they compared diagnoses for women ages 21 to 25 who had cervical cancer with those for women ages 26 to 34, before and after the health law provision began in 2010. early-stage diagnoses rose substantially among the younger group — the one covered by the law — and stayed flat among the older group.
about 79 percent of the younger group had an early-stage diagnosis in 2011-12, up from about 71 percent in 2007-09. for the older group, the percentage dropped to 71 percent from 73 percent, a change that is not statistically meaningful.
the effect for younger women looked even stronger when analyzed by year. about 84 percent of the younger group had early-stage diagnoses in 2011, compared with 68 percent in 2009. early-stage diagnoses dropped to 72 percent of the group in 2012, a drop that dr. jemal said was typical during increases in screenings, because many of the early-stage cases have already been detected.
for several years, researchers have been trying to test whether the law is working to improve health, but isolating its effects has been tricky. a study this spring found that the number of new diabetes cases identified among poor americans had surged in states that embraced the affordable care act, but not in states that had not.
since november 2009, the american college of obstetricians and gynecologists has recommended that cervical cancer screening begin at age 21, the only cancer screening recommendation for that age group. dr. jemal said that change made it impossible to compare the total number of women who got screened before and after the health care law came into effect.