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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.

tokenized:
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 do n’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 do n’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 do n’t it . Nothing is far worse than buying a health insurance policy with little coverage or costs too much , because you were n’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 wo n’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 do n’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 do n’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 .


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The Court of Protection handed down a judgment on 24 May 2016 which is of significance for all deputies and case managers working with clients whose privately funded care packages may amount to a deprivation of liberty. It’s also relevant for those representing clients in claims for damages where the client is likely to be in receipt of such care packages.
Deprivation of liberty refers to situations where an adult who doesn’t have the mental capacity to make decisions about their care is under continuous supervision and control, and isn’t free to leave their placement.
In the case of Staffordshire County Council v SRK, the court determined that care arrangements may still amount to a deprivation of liberty even when there is no element of state funding, and appropriate authorisation must therefore be in place. The court gave clear guidance that the costs of such authorisations should be included in claims for damages.
The case concerned the care package of SRK, who is in his late thirties and who was the victim of a road traffic accident in 2005. He suffered multiple injuries including a head injury which resulted in him requiring 24-hour care and assistance seven days a week. He received a substantial compensation award which was used to fund an adapted bungalow and a 24-hour care package for him. These funds are managed by Irwin Mitchell Trust Corporation (IMTC) as his property and affairs deputy, and his accommodation and care package were arranged without any input from his local authority or any other public body. The care package is managed by a specialist brain injury case manager and is provided by private carers.
The Court of Protection proceedings were brought by the local authority after it was informed that the circumstances of SRK’s care package might amount to a deprivation of liberty. IMTC was represented in the proceedings by Irwin Mitchell’s Public Law & Human Rights department.
By the time of the final hearing, all the parties to the proceedings, apart from the Secretary of State for Justice, agreed that the state was responsible for SRK’s care package (i.e. it was ‘imputable’) and that SRK’s deprivation therefore required authorisation from the court in order to be lawful. The Secretary of State disagreed, submitting that, in the circumstances of this case, any deprivation of liberty was not imputable to the state and therefore didn’t require authorisation.
This case is significant because, following the landmark judgment of the Supreme Court in Irwin Mitchell’s case of P v Cheshire West and Chester, there had been considerable uncertainty as to whether authorisation was required where there was no element of state funding to a care package, but where the care package otherwise met the “acid test” laid down by the Supreme Court (i.e. that the person is subject to continuous supervision and control and is not free to leave their placement).
In light of Charles J’s judgment, deputies and case managers should be mindful of the need to make the relevant local authority aware of situations where a client’s care package meets the Supreme Court’s “acid test”. Lawyers representing clients whose care packages may in future meet the acid test should be alert to the need to include the costs of the necessary applications to the Court of Protection in their clients’ claims for damages.
For expert advice on matters relating to this case, deprivation of liberty and mental capacity law, please contact Mathieu Culverhouse of Irwin Mitchell's Public Law & Human Rights team on 0800 028 1943.

tokenized:
The Court of Protection handed down a judgment on 24 May 2016 which is of significance for all deputies and case managers working with clients whose privately funded care packages may amount to a deprivation of liberty . It ’s also relevant for those representing clients in claims for damages where the client is likely to be in receipt of such care packages .
 Deprivation of liberty refers to situations where an adult who does n’t have the mental capacity to make decisions about their care is under continuous supervision and control , and is n’t free to leave their placement .
 In the case of Staffordshire County Council v SRK , the court determined that care arrangements may still amount to a deprivation of liberty even when there is no element of state funding , and appropriate authorisation must therefore be in place . The court gave clear guidance that the costs of such authorisations should be included in claims for damages .
 The case concerned the care package of SRK , who is in his late thirties and who was the victim of a road traffic accident in 2005 . He suffered multiple injuries including a head injury which resulted in him requiring 24 - hour care and assistance seven days a week . He received a substantial compensation award which was used to fund an adapted bungalow and a 24 - hour care package for him . These funds are managed by Irwin Mitchell Trust Corporation ( IMTC ) as his property and affairs deputy , and his accommodation and care package were arranged without any input from his local authority or any other public body . The care package is managed by a specialist brain injury case manager and is provided by private carers .
 The Court of Protection proceedings were brought by the local authority after it was informed that the circumstances of SRK ’s care package might amount to a deprivation of liberty . IMTC was represented in the proceedings by Irwin Mitchell ’s Public Law & Human Rights department .
 By the time of the final hearing , all the parties to the proceedings , apart from the Secretary of State for Justice , agreed that the state was responsible for SRK ’s care package ( i.e. it was ‘ imputable ’ ) and that SRK ’s deprivation therefore required authorisation from the court in order to be lawful . The Secretary of State disagreed , submitting that , in the circumstances of this case , any deprivation of liberty was not imputable to the state and therefore did n’t require authorisation .
 This case is significant because , following the landmark judgment of the Supreme Court in Irwin Mitchell ’s case of P v Cheshire West and Chester , there had been considerable uncertainty as to whether authorisation was required where there was no element of state funding to a care package , but where the care package otherwise met the “ acid test ” laid down by the Supreme Court ( i.e. that the person is subject to continuous supervision and control and is not free to leave their placement ) .
 In light of Charles J ’s judgment , deputies and case managers should be mindful of the need to make the relevant local authority aware of situations where a client ’s care package meets the Supreme Court ’s “ acid test ” . Lawyers representing clients whose care packages may in future meet the acid test should be alert to the need to include the costs of the necessary applications to the Court of Protection in their clients ’ claims for damages .
 For expert advice on matters relating to this case , deprivation of liberty and mental capacity law , please contact Mathieu Culverhouse of Irwin Mitchell 's Public Law & Human Rights team on 0800 028 1943 .


text:
Restructuring Agreement - Taligent Inc., Apple Computer Inc. and International Business Machines Corp.
BUSINESS MACHINES CORPORATION, a New York corporation ("IBM").
tender all the HP Shares to the Company.
changes in the Company (the "Restructuring").
approximately 400 to approximately 150.
Agreement between Apple and the Company dated February 16, 1994 .
"Apple" shall mean Apple Computer, Inc., a California corporation.
$8 million obligation of the Company to Apple due 1996.
Company's Products to Apple dated as of March 1, 1992, as amended.
between Apple and the Company dated as of March 1, 1992.
Agreement between Apple and the Company dated as of March 1, 1992.
between Apple and the Company dated as of December 14, 1994.
of the equity of the Patent Venture.
Stock, par value $.01 per share, of the Company, held by Apple.
to January 2 of the following year be considered a "Business Day".
Research Agreement, and the Patent Venture Agreement.
"Closing Date" shall mean the date on which each Closing shall occur.
commitment, agreement, arrangement or legally binding understanding.
similar agreements between the Company and each of HP and IBM.
Company's patent counsel as of January 29, 1996.
filing with, any Governmental Authority.
"HP" shall mean Hewlett-Packard Company, a California corporation.
$.01 per share, of the Company, held by HP.
"Holder" shall mean any registered holder of Common Stock.
"HSR Act" shall mean Section 7A of the Clayton Act.
million obligation of the Company to IBM due 1996.
between IBM and the Company dated as of March 1, 1992.
the equity of the Patent Venture.
injunction, temporary restraining order or other legal prohibition.
"Judgment" shall mean any judgment, order, decree or arbitral award.
"Law" shall mean any statute, law, ordinance, rule or regulation.
Any  reference  to any fact, event, change or effect being  "material"
operations of such party and its Subsidiaries taken as a whole.
terms of the Research Agreement.
Research Agreement and the Stockholder Agreement.
"Party" shall mean any party hereto.
Apple at the First Closing.
Apple and IBM as described in Section 5.3.
"Shares" shall mean shares of Common Stock.
Company, HP, Apple and IBM dated as of February 16, 1994.
Subsidiary only so long as such ownership or control exists.
may be taken or given, on the next Business Day.
other date and place specified by agreement of Apple and IBM.
the return by IBM and cancellation of the IBM Company Note.
Stockholder Agreement and the Apple Support Agreement.
license agreement shall supersede the Apple License Out.
Company's frameworks as class libraries into IBM's Open Class library.
(A)  extend  the  applicability of "Licensed  Patents"
of the capital stock of the Company.
Authority or Law shall have expired.
into of all other Closing Agreements).
the Transactions shall have been obtained.
3.2       Additional Condition to First Closing.
3.3  Additional Condition to Second Closing.
of the additional condition that the First Closing shall have occurred.
4.1.      Representations and Warranties of the Company.
omission of notes thereto and normal year-end audit adjustments.
for employee confidentiality and invention agreements).
4.2.      Representations and Warranties of Apple.
authorized  by  all necessary corporate action on the part  of  Apple.
in accordance with their respective terms).
this Agreement and such Apple Shares are free and clear of any Lien.
4.3       Representations and Warranties of IBM.
authorized  by  all necessary corporate action on the part  of  IBM  .
5.1  Operations of the Company.
Apple pursuant to the Closing Agreements).
(hereinafter "Core Team").  The Company will identify the "Core  Team"
the Company employees designated as the Core Team.
memorialized  to  written invention disclosures by January  29,  1996.
Venture will be as defined in the Patent Venture Agreement.
Patent for the purposes of this schedule.
will select the first Existing Patent will be made by a toss of coin.
obtained on or before January 16, 1997.
Patent Venture to the highest bidder subject to all existing licenses.
therefrom will benefit the highest bidder.
split between the Apple and IBM.
its designee as set forth in (1) above.
5.4  Obligations Suspended under Research Agreement, etc.
under the New Research Agreement.
Company's Restated Certificate of Incorporation or By-laws.
Date (other than any created as a result of the execution of  this Agreement).
reviews relating to the Company.
it  may have for any breach of this Agreement occurring prior to that date.
10201 N. De Anza Blvd.
6.3  Applicable Law; Waiver of Jury Trials; Consent to Jurisdiction.
language which as closely as possible reflects such intent.
signed by persons authorized to so bind each party.
practicable after January 3, 1996.
this Section shall be void and of no effect.
any legal or equitable rights hereunder.
products supplied pursuant to the Closing Agreements.
equitable relief for breaches of other Sections.
expense, except as the parties shall otherwise agree.
or the consummation of the Transactions.
without any strict construction in favor of or against any party.

tokenized:
Restructuring Agreement - Taligent Inc. , Apple Computer Inc. and International Business Machines Corp.
 BUSINESS MACHINES CORPORATION , a New York corporation ( " IBM " ) .
 tender all the HP Shares to the Company .
 changes in the Company ( the " Restructuring " ) .
 approximately 400 to approximately 150 .
 Agreement between Apple and the Company dated February 16 , 1994 .
 " Apple " shall mean Apple Computer , Inc. , a California corporation .
 $ 8 million obligation of the Company to Apple due 1996 .
 Company 's Products to Apple dated as of March 1 , 1992 , as amended .
 between Apple and the Company dated as of March 1 , 1992 .
 Agreement between Apple and the Company dated as of March 1 , 1992 .
 between Apple and the Company dated as of December 14 , 1994 .
 of the equity of the Patent Venture .
 Stock , par value $ .01 per share , of the Company , held by Apple .
 to January 2 of the following year be considered a " Business Day " .
 Research Agreement , and the Patent Venture Agreement .
 " Closing Date " shall mean the date on which each Closing shall occur .
 commitment , agreement , arrangement or legally binding understanding .
 similar agreements between the Company and each of HP and IBM .
 Company 's patent counsel as of January 29 , 1996 .
 filing with , any Governmental Authority .
 " HP " shall mean Hewlett - Packard Company , a California corporation .
 $ .01 per share , of the Company , held by HP .
 " Holder " shall mean any registered holder of Common Stock .
 " HSR Act " shall mean Section 7A of the Clayton Act .
 million obligation of the Company to IBM due 1996 .
 between IBM and the Company dated as of March 1 , 1992 .
 the equity of the Patent Venture .
 injunction , temporary restraining order or other legal prohibition .
 " Judgment " shall mean any judgment , order , decree or arbitral award .
 " Law " shall mean any statute , law , ordinance , rule or regulation .
 Any   reference   to any fact , event , change or effect being   " material "
 operations of such party and its Subsidiaries taken as a whole .
 terms of the Research Agreement .
 Research Agreement and the Stockholder Agreement .
 " Party " shall mean any party hereto .
 Apple at the First Closing .
 Apple and IBM as described in Section 5.3 .
 " Shares " shall mean shares of Common Stock .
 Company , HP , Apple and IBM dated as of February 16 , 1994 .
 Subsidiary only so long as such ownership or control exists .
 may be taken or given , on the next Business Day .
 other date and place specified by agreement of Apple and IBM .
 the return by IBM and cancellation of the IBM Company Note .
 Stockholder Agreement and the Apple Support Agreement .
 license agreement shall supersede the Apple License Out .
 Company 's frameworks as class libraries into IBM 's Open Class library .
 ( A )   extend   the   applicability of " Licensed   Patents "
 of the capital stock of the Company .
 Authority or Law shall have expired .
 into of all other Closing Agreements ) .
 the Transactions shall have been obtained .
 3.2        Additional Condition to First Closing .
 3.3   Additional Condition to Second Closing .
 of the additional condition that the First Closing shall have occurred .
 4.1 .       Representations and Warranties of the Company .
 omission of notes thereto and normal year - end audit adjustments .
 for employee confidentiality and invention agreements ) .
 4.2 .       Representations and Warranties of Apple .
 authorized   by   all necessary corporate action on the part   of   Apple .
 in accordance with their respective terms ) .
 this Agreement and such Apple Shares are free and clear of any Lien .
 4.3        Representations and Warranties of IBM .
 authorized   by   all necessary corporate action on the part   of   IBM   .
 5.1   Operations of the Company .
 Apple pursuant to the Closing Agreements ) .
 ( hereinafter " Core Team " ) .   The Company will identify the " Core   Team "
 the Company employees designated as the Core Team .
 memorialized   to   written invention disclosures by January   29 ,   1996 .
 Venture will be as defined in the Patent Venture Agreement .
 Patent for the purposes of this schedule .
 will select the first Existing Patent will be made by a toss of coin .
 obtained on or before January 16 , 1997 .
 Patent Venture to the highest bidder subject to all existing licenses .
 therefrom will benefit the highest bidder .
 split between the Apple and IBM .
 its designee as set forth in ( 1 ) above .
 5.4   Obligations Suspended under Research Agreement , etc .
 under the New Research Agreement .
 Company 's Restated Certificate of Incorporation or By - laws .
 Date ( other than any created as a result of the execution of   this Agreement ) .
 reviews relating to the Company .
 it   may have for any breach of this Agreement occurring prior to that date .
 10201 N. De Anza Blvd .
 6.3   Applicable Law ; Waiver of Jury Trials ; Consent to Jurisdiction .
 language which as closely as possible reflects such intent .
 signed by persons authorized to so bind each party .
 practicable after January 3 , 1996 .
 this Section shall be void and of no effect .
 any legal or equitable rights hereunder .
 products supplied pursuant to the Closing Agreements .
 equitable relief for breaches of other Sections .
 expense , except as the parties shall otherwise agree .
 or the consummation of the Transactions .
 without any strict construction in favor of or against any party .


text:
The man remains behind bars.
A Georgia State Patrol Trooper was fired upon while attempting to search a driver.
The GBI’s Commercial Gambling Unit, along with the Dublin Police Department, and in cooperation with the Georgia Lottery Corporation and the Georgia Department of Revenue, executed two search warrants in Dublin for violations of Georgia’s gambling laws.
On August 22, 2018, the GBI was requested by Chief of Police Raymond Shores of the Richmond Hill Police Department to investigate an allegation made against Allmond of sexual misconduct.

tokenized:
The man remains behind bars .
 A Georgia State Patrol Trooper was fired upon while attempting to search a driver .
 The GBI ’s Commercial Gambling Unit , along with the Dublin Police Department , and in cooperation with the Georgia Lottery Corporation and the Georgia Department of Revenue , executed two search warrants in Dublin for violations of Georgia ’s gambling laws .
 On August 22 , 2018 , the GBI was requested by Chief of Police Raymond Shores of the Richmond Hill Police Department to investigate an allegation made against Allmond of sexual misconduct .


text:
Please note that many products are hand made after the order is placed and may slightly differ in shape and size and hence would not be eligible for return.
Check with the seller return policy before making a request for return or refund.
Incase of an item not matching the description or entirely different from what is mentioned, or damaged at the time of receiving you can raise a request for return. Please inform the seller immediately incase of a damaged or defective product.

tokenized:
Please note that many products are hand made after the order is placed and may slightly differ in shape and size and hence would not be eligible for return .
 Check with the seller return policy before making a request for return or refund .
 Incase of an item not matching the description or entirely different from what is mentioned , or damaged at the time of receiving you can raise a request for return . Please inform the seller immediately incase of a damaged or defective product .


text:
Your search for coastal in All Royalty Free Files returned 164 results.
Strong coastal wind sound 7.
Light coastal rain in Fairbourne, North Wales.
Heavy coastal rain in Fairbourne, North Wales.
Strong coastal wind sound 5.
Strong coastal wind sound from inside a van.
Light coastal rain with large rain drops and thunder rumble.
Strong coastal wind sound 1.
Coastal rain starting light and getting heavy with large rain drops.
Strong coastal wind sound 4.
Strong coastal wind sound 3.
The sound from a strong coastal wind.
Strong coastal wind sound 2.
Coastal Dreaming is a feel-good modern indie synth pop instrumental with retro synth elements.

tokenized:
Your search for coastal in All Royalty Free Files returned 164 results .
 Strong coastal wind sound 7 .
 Light coastal rain in Fairbourne , North Wales .
 Heavy coastal rain in Fairbourne , North Wales .
 Strong coastal wind sound 5 .
 Strong coastal wind sound from inside a van .
 Light coastal rain with large rain drops and thunder rumble .
 Strong coastal wind sound 1 .
 Coastal rain starting light and getting heavy with large rain drops .
 Strong coastal wind sound 4 .
 Strong coastal wind sound 3 .
 The sound from a strong coastal wind .
 Strong coastal wind sound 2 .
 Coastal Dreaming is a feel - good modern indie synth pop instrumental with retro synth elements .