Insurance providing coverage of medical, surgical, or hospital care in general or for which there is no specific heading.
Generally refers to the amount of protection available and the kind of loss which would be paid for under an insurance contract with an insurer. (Slee & Slee, Health Care Terms, 2d ed)
Coverage by contract whereby one part indemnifies or guarantees another against loss by a specified contingency.
Health insurance to provide full or partial coverage for long-term home care services or for long-term nursing care provided in a residential facility such as a nursing home.
Insurance providing for payment of a stipulated sum to a designated beneficiary upon death of the insured.
Organizations which assume the financial responsibility for the risks of policyholders.
An organization of insurers or reinsurers through which particular types of risk are shared or pooled. The risk of high loss by a particular insurance company is transferred to the group as a whole (the insurance pool) with premiums, losses, and expenses shared in agreed amounts.
Individuals or groups with no or inadequate health insurance coverage. Those falling into this category usually comprise three primary groups: the medically indigent (MEDICAL INDIGENCY); those whose clinical condition makes them medically uninsurable; and the working uninsured.
Adverse or favorable selection bias exhibited by insurers or enrollees resulting in disproportionate enrollment of certain groups of people.
Insurance providing coverage for dental care.
Payments or services provided under stated circumstances under the terms of an insurance policy. In prepayment programs, benefits are the services the programs will provide at defined locations and to the extent needed.
Payment by a third-party payer in a sum equal to the amount expended by a health care provider or facility for health services rendered to an insured or program beneficiary. (From Facts on File Dictionary of Health Care Management, 1988)
Health insurance plans for employees, and generally including their dependents, usually on a cost-sharing basis with the employer paying a percentage of the premium.
Insurance against loss resulting from liability for injury or damage to the persons or property of others.
The design, completion, and filing of forms with the insurer.
Insurance providing a broad range of medical services and supplies, when prescribed by a physician, whether or not the patient is hospitalized. It frequently is an extension of a basic policy and benefits will not begin until the basic policy is exhausted.
Insurance providing coverage for physical injury suffered as a result of unavoidable circumstances.
Health insurance coverage for all persons in a state or country, rather than for some subset of the population. It may extend to the unemployed as well as to the employed; to aliens as well as to citizens; for pre-existing conditions as well as for current illnesses; for mental as well as for physical conditions.
Health insurance providing benefits to cover or partly cover hospital expenses.
Innovation and improvement of the health care system by reappraisal, amendment of services, and removal of faults and abuses in providing and distributing health services to patients. It includes a re-alignment of health services and health insurance to maximum demographic elements (the unemployed, indigent, uninsured, elderly, inner cities, rural areas) with reference to coverage, hospitalization, pricing and cost containment, insurers' and employers' costs, pre-existing medical conditions, prescribed drugs, equipment, and services.
Public Law 104-91 enacted in 1996, was designed to improve the efficiency and effectiveness of the healthcare system, protect health insurance coverage for workers and their families, and to protect individual personal health information.
Federal program, created by Public Law 89-97, Title XIX, a 1965 amendment to the Social Security Act, administered by the states, that provides health care benefits to indigent and medically indigent persons.
Components of a national health care system which administer specific services, e.g., national health insurance.
The degree to which individuals are inhibited or facilitated in their ability to gain entry to and to receive care and services from the health care system. Factors influencing this ability include geographic, architectural, transportational, and financial considerations, among others.
Review of claims by insurance companies to determine liability and amount of payment for various services. The review may also include determination of eligibility of the claimant or beneficiary or of the provider of the benefit; determination that the benefit is covered or not payable under another policy; or determination that the service was necessary and of reasonable cost and quality.
State plans prepared by the State Health Planning and Development Agencies which are made up from plans submitted by the Health Systems Agencies and subject to review and revision by the Statewide Health Coordinating Council.
Criteria to determine eligibility of patients for medical care programs and services.
That distinct portion of the institutional, industrial, or economic structure of a country that is controlled or owned by non-governmental, private interests.
The amounts spent by individuals, groups, nations, or private or public organizations for total health care and/or its various components. These amounts may or may not be equivalent to the actual costs (HEALTH CARE COSTS) and may or may not be shared among the patient, insurers, and/or employers.
Insurance providing benefits to cover part or all of the psychiatric care.
Financing of medical care provided to public assistance recipients.
Amounts charged to the patient as payer for health care services.
Payment by individuals or their family for health care services which are not covered by a third-party payer, either insurance or medical assistance.
Insurance providing benefits for the costs of care by a physician which can be comprehensive or limited to surgical expenses or for care provided only in the hospital. It is frequently called "regular medical expense" or "surgical expense".
An Act prohibiting a health plan from establishing lifetime limits or annual limits on the dollar value of benefits for any participant or beneficiary after January 1, 2014. It permits a restricted annual limit for plan years beginning prior to January 1, 2014. It provides that a health plan shall not be prevented from placing annual or lifetime per-beneficiary limits on covered benefits. The Act sets up a competitive health insurance market.
Provisions of an insurance policy that require the insured to pay some portion of covered expenses. Several forms of sharing are in use, e.g., deductibles, coinsurance, and copayments. Cost sharing does not refer to or include amounts paid in premiums for the coverage. (From Dictionary of Health Services Management, 2d ed)
Insurance designed to compensate persons who lose wages because of illness or injury; insurance providing periodic payments that partially replace lost wages, salary, or other income when the insured is unable to work because of illness, injury, or disease. Individual and group disability insurance are two types of such coverage. (From Facts on File Dictionary of Health Care Management, 1988, p207)
State-provided health insurance marketplaces established under the PATIENT PROTECTION AND AFFORDABLE CARE ACT.
Government sponsored social insurance programs.
Organized services to provide health care for children.
Revenues or receipts accruing from business enterprise, labor, or invested capital.
Insurance providing for payment of services rendered by the pharmacist. Services include the preparation and distribution of medical products.
Statistical measures of utilization and other aspects of the provision of health care services including hospitalization and ambulatory care.
Social and economic factors that characterize the individual or group within the social structure.
Differences in access to or availability of medical facilities and services.
A situation in which the level of living of an individual, family, or group is below the standard of the community. It is often related to a specific income level.
The level of governmental organization and function below that of the national or country-wide government.
Status not subject to taxation; as the income of a philanthropic organization. Tax-exempt organizations may also qualify to receive tax-deductible donations if they are considered to be nonprofit corporations under Section 501(c)3 of the United States Internal Revenue Code.
Financial assistance provided by the government to indigent families with dependent children who meet certain requirements as defined by the Social Security Act, Title IV, in the U.S.
Decisions, usually developed by government policymakers, for determining present and future objectives pertaining to the health care system.
Services for the diagnosis and treatment of disease and the maintenance of health.
Economic sector concerned with the provision, distribution, and consumption of health care services and related products.
The containment, regulation, or restraint of costs. Costs are said to be contained when the value of resources committed to an activity is not considered excessive. This determination is frequently subjective and dependent upon the specific geographic area of the activity being measured. (From Dictionary of Health Services Management, 2d ed)
The application of mathematical formulas and statistical techniques to the testing and quantifying of economic theories and the solution of economic problems.
Federal, state, or local government organized methods of financial assistance.
Health services required by a population or community as well as the health services that the population or community is able and willing to pay for.
The actual costs of providing services related to the delivery of health care, including the costs of procedures, therapies, and medications. It is differentiated from HEALTH EXPENDITURES, which refers to the amount of money paid for the services, and from fees, which refers to the amount charged, regardless of cost.
Tax on the net income of an individual, organization, or business.
Health insurance plans intended to reduce unnecessary health care costs through a variety of mechanisms, including: economic incentives for physicians and patients to select less costly forms of care; programs for reviewing the medical necessity of specific services; increased beneficiary cost sharing; controls on inpatient admissions and lengths of stay; the establishment of cost-sharing incentives for outpatient surgery; selective contracting with health care providers; and the intensive management of high-cost health care cases. The programs may be provided in a variety of settings, such as HEALTH MAINTENANCE ORGANIZATIONS and PREFERRED PROVIDER ORGANIZATIONS.
Federal program, created by Public Law 89-97, Title XVIII-Health Insurance for the Aged, a 1965 amendment to the Social Security Act, that provides health insurance benefits to persons over the age of 65 and others eligible for Social Security benefits. It consists of two separate but coordinated programs: hospital insurance (MEDICARE PART A) and supplementary medical insurance (MEDICARE PART B). (Hospital Administration Terminology, AHA, 2d ed and A Discursive Dictionary of Health Care, US House of Representatives, 1976)
The level of governmental organization and function at the national or country-wide level.
The effort of two or more parties to secure the business of a third party by offering, usually under fair or equitable rules of business practice, the most favorable terms.
That portion of total HEALTH CARE COSTS borne by an individual's or group's employing organization.
Statistical models which describe the relationship between a qualitative dependent variable (that is, one which can take only certain discrete values, such as the presence or absence of a disease) and an independent variable. A common application is in epidemiology for estimating an individual's risk (probability of a disease) as a function of a given risk factor.
The integration of epidemiologic, sociological, economic, and other analytic sciences in the study of health services. Health services research is usually concerned with relationships between need, demand, supply, use, and outcome of health services. The aim of the research is evaluation, particularly in terms of structure, process, output, and outcome. (From Last, Dictionary of Epidemiology, 2d ed)
Prepaid health and hospital insurance plan.
Processes or methods of reimbursement for services rendered or equipment.
Systematic gathering of data for a particular purpose from various sources, including questionnaires, interviews, observation, existing records, and electronic devices. The process is usually preliminary to statistical analysis of the data.
A specific type of health insurance which provides surgeons' fees for specified amounts according to the type of surgery listed in the policy.
Organized systems for providing comprehensive prepaid health care that have five basic attributes: (1) provide care in a defined geographic area; (2) provide or ensure delivery of an agreed-upon set of basic and supplemental health maintenance and treatment services; (3) provide care to a voluntarily enrolled group of persons; (4) require their enrollees to use the services of designated providers; and (5) receive reimbursement through a predetermined, fixed, periodic prepayment made by the enrollee without regard to the degree of services provided. (From Facts on File Dictionary of Health Care Management, 1988)
The condition in which individuals are financially unable to access adequate medical care without depriving themselves and their dependents of food, clothing, shelter, and other essentials of living.
Customer satisfaction or dissatisfaction with a benefit or service received.
A strategy for purchasing health care in a manner which will obtain maximum value for the price for the purchasers of the health care and the recipients. The concept was developed primarily by Alain Enthoven of Stanford University and promulgated by the Jackson Hole Group. The strategy depends on sponsors for groups of the population to be insured. The sponsor, in some cases a health alliance, acts as an intermediary between the group and competing provider groups (accountable health plans). The competition is price-based among annual premiums for a defined, standardized benefit package. (From Slee and Slee, Health Care Reform Terms, 1993)
The concept concerned with all aspects of providing and distributing health services to a patient population.
Programs in which participation is required.
Process of shifting publicly controlled services and/or facilities to the private sector.
Tax-exempt trusts or custodial accounts established by individuals with financial institutions for saving money for future medical expenses.
Method of charging whereby a physician or other practitioner bills for each encounter or service rendered. In addition to physicians, other health care professionals are reimbursed via this mechanism. Fee-for-service plans contrast with salary, per capita, and prepayment systems, where the payment does not change with the number of services actually used or if none are used. (From Discursive Dictionary of Health Care, 1976)
Activities concerned with governmental policies, functions, etc.
The state of being engaged in an activity or service for wages or salary.
Absolute, comparative, or differential costs pertaining to services, institutions, resources, etc., or the analysis and study of these costs.
The decision process by which individuals, groups or institutions establish policies pertaining to plans, programs or procedures.
The area of a nation's economy that is tax-supported and under government control.
A shared service which combines the purchasing power of individual organizations or facilities in order to obtain lower prices for equipment and supplies. (From Health Care Terms, 2nd ed)
Insurance providing benefits for the costs of care provided by nurses, especially nurse practitioners and nurse clinicians.
Organized institutions which provide services to ameliorate conditions of need or social pathology in the community.
Persons living in the United States of Mexican (MEXICAN AMERICANS), Puerto Rican, Cuban, Central or South American, or other Spanish culture or origin. The concept does not include Brazilian Americans or Portuguese Americans.
A group of people with a common cultural heritage that sets them apart from others in a variety of social relationships.
A method of examining and setting levels of payments.
Children with mental or physical disabilities that interfere with usual activities of daily living and that may require accommodation or intervention.
Payment, or other means of making amends, for a wrong or injury.
The level of health of the individual, group, or population as subjectively assessed by the individual or by more objective measures.
An acute or prolonged illness usually considered to be life-threatening or with the threat of serious residual disability. Treatment may be radical and is frequently costly.
Arrangements negotiated between a third-party payer (often a self-insured company or union trust fund) and a group of health-care providers (hospitals and physicians) who furnish services at lower than usual fees, and, in return, receive prompt payment and an expectation of an increased volume of patients.
Exercise of governmental authority to control conduct.
The state of being retired from one's position or occupation.
The levels of excellence which characterize the health service or health care provided based on accepted standards of quality.
Health care services provided to patients on an ambulatory basis, rather than by admission to a hospital or other health care facility. The services may be a part of a hospital, augmenting its inpatient services, or may be provided at a free-standing facility.
Failure of a professional person, a physician or lawyer, to render proper services through reprehensible ignorance or negligence or through criminal intent, especially when injury or loss follows. (Random House Unabridged Dictionary, 2d ed)
Studies in which the presence or absence of disease or other health-related variables are determined in each member of the study population or in a representative sample at one particular time. This contrasts with LONGITUDINAL STUDIES which are followed over a period of time.
An approach to health care financing with only one source of money for paying health care providers. The scope may be national (the Canadian System), state-wide, or community-based. The payer may be a governmental unit or other entity such as an insurance company. The proposed advantages include administrative simplicity for patients and providers, and resulting significant savings in overhead costs. (From Slee and Slee, Health Care Reform Terms, 1993, p106)
Governmental levies on property, inheritance, gifts, etc.
The assignment, to each of several particular cost-centers, of an equitable proportion of the costs of activities that serve all of them. Cost-center usually refers to institutional departments or services.
Insurance coverage providing compensation and medical benefits to individuals because of work-connected injuries or disease.
Financial assistance to impoverished persons for the essentials of living through federal, state or local government programs.
The seeking and acceptance by patients of health service.
Size and composition of the family.
The amount that a health care institution or organization pays for its drugs. It is one component of the final price that is charged to the consumer (FEES, PHARMACEUTICAL or PRESCRIPTION FEES).
Organizations comprising wage and salary workers in health-related fields for the purpose of improving their status and conditions. The concept includes labor union activities toward providing health services to members.
Groups of individuals whose putative ancestry is from native continental populations based on similarities in physical appearance.
Detailed financial plans for carrying out specific activities for a certain period of time. They include proposed income and expenditures.
Services designed for HEALTH PROMOTION and prevention of disease.
Extensive collections, reputedly complete, of facts and data garnered from material of a specialized subject area and made available for analysis and application. The collection can be automated by various contemporary methods for retrieval. The concept should be differentiated from DATABASES, BIBLIOGRAPHIC which is restricted to collections of bibliographic references.
The confinement of a patient in a hospital.
Studies used to test etiologic hypotheses in which inferences about an exposure to putative causal factors are derived from data relating to characteristics of persons under study or to events or experiences in their past. The essential feature is that some of the persons under study have the disease or outcome of interest and their characteristics are compared with those of unaffected persons.
A set of techniques used when variation in several variables has to be studied simultaneously. In statistics, multivariate analysis is interpreted as any analytic method that allows simultaneous study of two or more dependent variables.
An interactive process whereby members of a community are concerned for the equality and rights of all.
Predetermined sets of questions used to collect data - clinical data, social status, occupational group, etc. The term is often applied to a self-completed survey instrument.
Age as a constituent element or influence contributing to the production of a result. It may be applicable to the cause or the effect of a circumstance. It is used with human or animal concepts but should be differentiated from AGING, a physiological process, and TIME FACTORS which refers only to the passage of time.
Medical services for which no payment is received. Uncompensated care includes charity care and bad debts.
A systematic collection of factual data pertaining to health and disease in a human population within a given geographic area.
Health insurance plans that are not intended to generate profit.
Community or individual involvement in the decision-making process.
Statistical interpretation and description of a population with reference to distribution, composition, or structure.
Application of marketing principles and techniques to maximize the use of health care resources.
Amounts charged to the patient as payer for medical services.
Groups of persons whose range of options is severely limited, who are frequently subjected to COERCION in their DECISION MAKING, or who may be compromised in their ability to give INFORMED CONSENT.
Economic aspects of the dental profession and dental care.
A stratum of people with similar position and prestige; includes social stratification. Social class is measured by criteria such as education, occupation, and income.
Organized efforts by communities or organizations to improve the health and well-being of the child.
The total of dental diagnostic, preventive, and restorative services provided to meet the needs of a patient (from Illustrated Dictionary of Dentistry, 1982).
Persons living in the United States having origins in any of the black groups of Africa.
An increase in the volume of money and credit relative to available goods resulting in a substantial and continuing rise in the general price level.
Accountability and responsibility to another, enforceable by civil or criminal sanctions.
Visits made by patients to health service providers' offices for diagnosis, treatment, and follow-up.
Services designed to promote, maintain, or restore dental health.
An infant during the first month after birth.
Exploitation through misrepresentation of the facts or concealment of the purposes of the exploiter.
The personal cost of acute or chronic disease. The cost to the patient may be an economic, social, or psychological cost or personal loss to self, family, or immediate community. The cost of illness may be reflected in absenteeism, productivity, response to treatment, peace of mind, or QUALITY OF LIFE. It differs from HEALTH CARE COSTS, meaning the societal cost of providing services related to the delivery of health care, rather than personal impact on individuals.
Fixed sums paid regularly to individuals.
Conversations with an individual or individuals held in order to obtain information about their background and other personal biographical data, their attitudes and opinions, etc. It includes school admission or job interviews.
The state of legal insolvency with assets taken over by judicial process so that they may be distributed among creditors.
An aspect of personal behavior or lifestyle, environmental exposure, or inborn or inherited characteristic, which, on the basis of epidemiologic evidence, is known to be associated with a health-related condition considered important to prevent.
Systematic identification of a population's needs or the assessment of individuals to determine the proper level of services needed.
The capital is Seoul. The country, established September 9, 1948, is located on the southern part of the Korean Peninsula. Its northern border is shared with the Democratic People's Republic of Korea.
Patterns of practice related to diagnosis and treatment as especially influenced by cost of the service requested and provided.
Studies in which subsets of a defined population are identified. These groups may or may not be exposed to factors hypothesized to influence the probability of the occurrence of a particular disease or other outcome. Cohorts are defined populations which, as a whole, are followed in an attempt to determine distinguishing subgroup characteristics.
Alternative health care delivery mechanisms, such as PREFERRED PROVIDER ORGANIZATIONS or other health insurance services or prepaid plans (other than HEALTH MAINTENANCE ORGANIZATIONS), that meet Medicare qualifications for a risk-sharing contract. (From Facts on File Dictionary of Health Care Management, 1988)
Assessment of physiological capacities in relation to job requirements. It is usually done by measuring certain physiological (e.g., circulatory and respiratory) variables during a gradually increasing workload until specific limitations occur with respect to those variables.
Individuals whose ancestral origins are in the continent of Europe.
A republic in western Africa, south of BURKINA FASO and west of TOGO. Its capital is Accra.
The protection of genetic information about an individual, family, or population group, from unauthorized disclosure.
A method of payment for health services in which an individual or institutional provider is paid a fixed, per capita amount without regard to the actual number or nature of services provided to each patient.
Methods of generating, allocating, and using financial resources in healthcare systems.
All organized methods of funding.
Providing for the full range of personal health services for diagnosis, treatment, follow-up and rehabilitation of patients.
The privacy of information and its protection against unauthorized disclosure.
Programs and activities sponsored or administered by local, state, or national governments.
A subgroup having special characteristics within a larger group, often bound together by special ties which distinguish it from the larger group.
Diagnostic, therapeutic and preventive health services provided for individuals in the community.
Individuals licensed to practice medicine.
The attitude of a significant portion of a population toward any given proposition, based upon a measurable amount of factual evidence, and involving some degree of reflection, analysis, and reasoning.
Reductions in all or any portion of the costs of providing goods or services. Savings may be incurred by the provider or the consumer.
Persons with physical or mental disabilities that affect or limit their activities of daily living and that may require special accommodations.
The giving of attention to the special dental needs of children, including the prevention of tooth diseases and instruction in dental hygiene and dental health. The dental care may include the services provided by dental specialists.
Facilities which administer the delivery of health care services to people living in a community or neighborhood.
The ratio of two odds. The exposure-odds ratio for case control data is the ratio of the odds in favor of exposure among cases to the odds in favor of exposure among noncases. The disease-odds ratio for a cohort or cross section is the ratio of the odds in favor of disease among the exposed to the odds in favor of disease among the unexposed. The prevalence-odds ratio refers to an odds ratio derived cross-sectionally from studies of prevalent cases.
Procedures for finding the mathematical function which best describes the relationship between a dependent variable and one or more independent variables. In linear regression (see LINEAR MODELS) the relationship is constrained to be a straight line and LEAST-SQUARES ANALYSIS is used to determine the best fit. In logistic regression (see LOGISTIC MODELS) the dependent variable is qualitative rather than continuously variable and LIKELIHOOD FUNCTIONS are used to find the best relationship. In multiple regression, the dependent variable is considered to depend on more than a single independent variable.
Organized periodic procedures performed on large groups of people for the purpose of detecting disease.
Care which provides integrated, accessible health care services by clinicians who are accountable for addressing a large majority of personal health care needs, developing a sustained partnership with patients, and practicing in the context of family and community. (JAMA 1995;273(3):192)
An organized procedure carried out through committees to review admissions, duration of stay, professional services furnished, and to evaluate the medical necessity of those services and promote their most efficient use.
The act of making a selection among two or more alternatives, usually after a period of deliberation.
The organization and administration of health services dedicated to the delivery of health care.
Educational attainment or level of education of individuals.
A scheme which provides reimbursement for the health services rendered, generally by an institution, and which provides added financial rewards if certain conditions are met. Such a scheme is intended to promote and reward increased efficiency and cost containment, with better care, or at least without adverse effect on the quality of the care rendered.
A country spanning from central Asia to the Pacific Ocean.
A method of comparing the cost of a program with its expected benefits in dollars (or other currency). The benefit-to-cost ratio is a measure of total return expected per unit of money spent. This analysis generally excludes consideration of factors that are not measured ultimately in economic terms. Cost effectiveness compares alternative ways to achieve a specific set of results.
The capacity of an organization, institution, or business to produce desired results with a minimum expenditure of energy, time, money, personnel, materiel, etc.
Public attitudes toward health, disease, and the medical care system.
Radiographic examination of the breast.
Hospital department responsible for the administration and provision of immediate medical or surgical care to the emergency patient.
Variation in rates of disease occurrence and disabilities between population groups defined by socioeconomic characteristics such as age, ethnicity, economic resources, or gender and populations identified geographically or similar measures.
The prices a hospital sets for its services. HOSPITAL COSTS (the direct and indirect expenses incurred by the hospital in providing the services) are one factor in the determination of hospital charges. Other factors may include, for example, profits, competition, and the necessity of recouping the costs of uncompensated care.
Theoretical representations and constructs that describe or explain the structure and hierarchy of relationships and interactions within or between formal organizational entities or informal social groups.
Accounting procedures for determining credit status and methods of obtaining payment.
The process of leaving one's country to establish residence in a foreign country.
Health care provided on a continuing basis from the initial contact, following the patient through all phases of medical care.
Former kingdom, located on Korea Peninsula between Sea of Japan and Yellow Sea on east coast of Asia. In 1948, the kingdom ceased and two independent countries were formed, divided by the 38th parallel.
Maleness or femaleness as a constituent element or influence contributing to the production of a result. It may be applicable to the cause or effect of a circumstance. It is used with human or animal concepts but should be differentiated from SEX CHARACTERISTICS, anatomical or physiological manifestations of sex, and from SEX DISTRIBUTION, the number of males and females in given circumstances.
The state of being free from intrusion or disturbance in one's private life or affairs. (Random House Unabridged Dictionary, 2d ed, 1993)

The role of dentists in dentistry. (1/41)

The extent to which dentists influence the outcomes of dental care, compared to the effects of dental technology or patient variation, has not been well studied. A review of the literature on the personality and value structures of dentists and dental students reveals general trends involving preferences of concrete, utilitarian, unambiguous, and conventional situations that are classified and judged in terms of their potential for dentists' power and control and for relationships of helping others but avoiding mutual dependency. These findings are summarized in a hypothesis that dentists seek situations where they can exercise control and establish paternalistic relationships with others. The evidence about career satisfaction of dentists is difficult to interpret. Between 20 percent and 50 percent of dentists report that they would not choose to enter the profession again if given a chance. Yet the number leaving the profession voluntarily is less than the number of career changers in the general population by a factor of about 1 to 15. Career satisfaction of practitioners can be partially predicted from an understanding of dentists' personality and values. Factors such as uncooperative patients, incompetent staff, and government and insurance intrusions are major dissatisfiers; they threaten dentists' core need for control. Factors such as quality of work, which is under the control of dentists, are major satisfiers. The personalities and values of dentists and the expression of these in professional norms may function to limit our understanding of dentistry. Based on this analysis, eight predictions are offered about the profession.  (+info)

The unbearable lightness of healthcare policy making: a description of a process aimed at giving it some weight. (2/41)

OBJECTIVES: To investigate whether a structured process to involve policy makers in designing a research project on a return to work insurance policy would yield evidence that was relevant, useful, and used in policy decisions. STUDY DESIGN: Case study. SETTING: Norway. PARTICIPANTS: Two researchers from the National Institute of Public Health and four representatives from respectively the National Insurance Administration, Norwegian Confederation of Trade Unions, Confederation of Norwegian Business and Industry, and Norwegian Medical Association. INTERVENTION: Structured discussions of the research, including the objectives, interventions, design, and interpretation of the results. RESULTS: The participants succeeded in designing and completing a cluster randomised controlled trial through the participatory process. Intermediary results from the trial have been used in practical planning within the National Insurance Administration, but there are few indications that the main results of the trial have been used. CONCLUSIONS: This approach of involving policy makers in the research planning process when political or organisational values are at stake did not succeed in this case. The salient explanations for this are conflicting interests of the organisations involved in the process and the research findings were in conflict with those interests.  (+info)

What price medical malpractice insurance? (3/41)

The Medical Review and Advisory Board has been established as a committee of the Commission on Professional Welfare of the California Medical Association to make studies and recommendations toward solution of the growing problems of professional liability insurance and malpractice actions in California. The members of the Board are: Joseph F. Sadusk, Jr., Oakland, Chairman; Wilbur Bailey, M.D., Los Angeles, vice-chairman; Howard W. Bosworth, M.D., Los Angeles; H. I. Burtness, M.D., Santa Barbara; Paul W. Frame, Jr., M.D., Sacramento; Verne G. Ghormley, M.D., Fresno; Carl M. Hadley, M.D., San Bernardino; Joseph J. O'Hara, M.D., San Diego; William F. Quinn, M.D., Los Angeles; Rees B. Rees, M.D., San Francisco; and Bernard Silber, M.D., Redwood City; Mr. Rollen Waterson, 564 Market Street, San Francisco 4, is executive secretary, and Mr. Howard Hassard is legal counsel.  (+info)

Genetic discrimination and the law. (4/41)

The use of genetic tests can lead to genetic discrimination, discrimination based solely on the nature of an individual's genotype. Instances of the discriminatory uses of genetic tests by employers and insurance companies have already been reported. The recently enacted Americans with Disabilities Act of 1990 (ADA), together with other federal and state laws, can be used to combat some forms of this discrimination. In this article we define and characterize genetic discrimination, discuss the applicability of the various relevant federal and state laws, including the ADA, in the areas of employment and insurance discrimination, explore the limitations of these laws, and, finally, suggest some means of overcoming these limitations.  (+info)

Analysis of your professional liability insurance policy. (5/41)

The most important lessons for the physician to learn in regard to his professional liability insurance coverage are the following:1. The physician should carefully read his professional liability policy and should secure the educated aid of his attorney and his insurance broker, if they are conversant with this field.2. He should particularly read the definition of coverage and carefully survey the exclusion clauses which may deny him coverage under certain circumstances.3. If the physician is in partnership or in a group, he should be certain that he has contingent partnership coverage.4. The physician should accept coverage only from an insurance carrier of sufficient size and stability that he can be sure his coverage will be guaranteed for "latent liability" claims as the years go along-certainly for his lifetime.5. The insurance carrier offering the professional liability policy should be prepared to offer coverages up to at least $100,000/$300,000.6. The physician should be assured that the insurance carrier has claims-handling personnel and legal counsel who are experienced and expert in the professional liability field and who are locally available for service.7. The physician is best protected by a local or state group program, next best by a national group program, and last, by individual coverage.8. The physician should look with suspicion on a cancellation clause in which his policy may be summarily cancelled on brief notice.9. The physician should not buy professional liability insurance on the basis of price alone; adequacy of coverage and service and a good insurance company for his protection should be the deciding factors.  (+info)

Inadequate follow-up for abnormal Pap smears in an urban population. (6/41)

PURPOSE: To determine the factors associated with inadequate follow-up for abnormal Pap smears among a cohort of Boston women from urban academic clinics. METHODS: Subjects were women > 18 years with abnormal cervical cytology between February 1999 and April 2000. Inadequate follow-up was defined as lack of subsequent cervical cytology or pathology specimen within four months of the initial abnormal specimen for high-grade lesions or within 7 months for low-grade lesions. RESULTS: Of the 423 subjects, the mean age was 33 years. Sixty percent were black, 23% Hispanic, 15% white, 2% Asian. The population was largely uninsured or publically insured. The overall inadequate follow-up rate was 38%. In bivariate analysis, age was a significant risk factor; 46% of women ages 18-29 had inadequate follow-up (p < 0.01). In multivariate analysis, women aged 18-29 years were more likely than women 50 years and older to have inadequate follow-up (OR 2.7, 95% CI 1.1-6.4), as were women with Medicaid insurance compared with private insurance (OR 1.9, 95% CI 1.01-3.5). After 12 months, 26% of women with abnormal Pap smears still had not received follow-up. CONCLUSIONS: In a predominantly urban minority population, the overall rate of inadequate follow-up for abnormal Pap smears was high at 38%. Programs to address follow-up of abnormal cervical cytology should focus on minority populations, especially younger and all low-income women.  (+info)

State legislative efforts to regulate use and potential misuse of genetic information. (7/41)

The purpose of this study was to review existing and proposed legislation specifically intended to regulate the collection, use, and potential misuse of genetic data. The study encompasses laws relating to confidentiality, informed consent, discrimination, and related issues. It excludes from consideration legislation relating to medical records generally that may bear indirectly on genetic information. It also excludes both legislation relating to the regulation of DNA data collection for law enforcement purposes and state laws relating to the confidentiality of data collected by newborn-screening programs. While relatively few laws that explicitly regulate the treatment of genetic information have been enacted to date, a considerable amount of activity is currently underway in the nation's legislatures. Although most of the bills under consideration are not comprehensive in scope, they reflect a growing societal awareness that the uncontrolled dissemination and use of genetic data entails significant risks.  (+info)

Injuries associated with regional anesthesia in the 1980s and 1990s: a closed claims analysis. (8/41)

BACKGROUND: The authors used the American Society of Anesthesiologists Closed Claims Project database to identify specific patterns of injury and legal liability associated with regional anesthesia. Because obstetrics represents a unique subset of patients, claims with neuraxial blockade were divided into obstetric and nonobstetric groups for comparison. METHODS: The American Society of Anesthesiologists Closed Claims Project is a structured evaluation of adverse anesthetic outcomes collected from closed anesthesia malpractice insurance claims of professional liability companies. An in-depth analysis of 1980-1999 regional anesthesia claims was performed with a subset comparison between obstetric and nonobstetric neuraxial anesthesia claims. RESULTS: Of the total 1,005 regional anesthesia claims, neuraxial blockade was used in 368 obstetric claims and 453 of 637 nonobstetric claims (71%). Damaging events in 51% of obstetric and 41% of nonobstetric neuraxial anesthesia claims were block related. Obstetrics had a higher proportion of neuraxial anesthesia claims with temporary and low-severity injuries (71%) compared with the nonobstetric group (38%; P +info)

Vessel details: LONGSHOT. Discover the vessels basic Details, including the vessel IMO / vessel MMSI and vessel Call Sign. Type: Pleasure Craft Vessel, Registered in USA. Find dead-weight-tonnage, Gross Tonnage and the Year of Build vessel details. Vessel details about LONGSHOT include Current Vessel Position, Voyage information, and photos. LONGSHOT Particulars MMSI 367307680, Call Sign WDD9158
Drought events regularly cause damage to grazing land in Mexico, putting strain on low-income farmers in particular. Together with a local cedent, Swiss Re has developed a satellite-based index insurance product to provide cost-effective protection.
and its a whole lotta cowards still runnin from life. These things are of genuine concern to Longshot, who doesnt just throw the token socially conscious song on his CD, but actually makes several attempts to reach the kids he cares for. No need for him and Jims51 to deny that thats who we tryin to reach with their collaborative effort Motivation. Grow With Me, a plea to stop the violence, might remind people that before Gang Starrs Who Got Gunz, there was Tonz O Gunz.. The title track, however, should probably have been left to guest rapper Diverse, who does the thoughtful theme of the song much better justice. Clearly the major gripe with Longshot and his album is that he could have paid more attention to lyrical detail. He has solid argumentation skills, he has a clear message, and yet theres the feeling that his verses pack unnecessary lyrical padding that prevents him from delving deeper into a subject. This doesnt necessarily include the battle tracks (No Wins, ...
We switched to working with Professional Liability Solutions in 2003 and have been happy ever since. Not only did you help us step-by-step through the renewal process, you knew exactly what we wanted and were very understanding of our needs. You have been very thorough, caring and knowledgeable since our introduction. I would recommend Professional Liability Solutions to anyone ...
Fishpond New Zealand, Generalized Linear Models for Insurance Data (International Series on Actuarial Science) by Piet De Jong Gillian Z HellerBuy . Books online: Generalized Linear Models for Insurance Data (International Series on Actuarial Science), 2008,
After a certain distance, even the most capable long-range rounds arent going to produce much movement on your steel, and that can be a problem for shot spotters who are looking to call good hits for extreme long-range shooters. The LONGSHOT LR-3 2-Mile Target Camera is a must-have in these situations, providing shooters with an easy way to record their hits. Each LONGSHOT LR-3 2-Mile Target Camera is a wireless, portable, battery-powered system that can be set up anywhere, as long as it sits 10-15 feed back from your target. Since the camera is positioned down near the target, dealing with mirage when spotting shots isnt an issue anymore. Plus, the system requires no cell Mfg: Longshot Target CamerasCheck price and Read more Detail At Longshot Target Cameras. ...
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In cases of professional liability, ACM is with you every step of the way, from initial claim through litigation, to get you back to business.
TY - JOUR. T1 - Does uneven geographic distribution of urologists effect bladder and prostate cancers mortality? National health insurance data in Korea from 2007-2011. AU - Kim, Jae Heon. AU - Sun, Hwa Yeon. AU - Kim, Hyun Jung. AU - Ko, Young Myoung. AU - Chun, Dong Il. AU - Park, Jae Young. PY - 2017/1/1. Y1 - 2017/1/1. N2 - The relationship between distribution of urologists and mortality of bladder and prostate cancers has not been clearly established. The aim of this study was to investigate the relationship between uneven distribution of urologists and urologic cancer specific mortality at country level. Data from the National Health Insurance Service and National Statistical Office in Korea from 2007 to 2011 were analyzed in this ecological study. Univariate and multivariable regression analyses were performed to determine risk factors for age standardized mortality rates (ASMR) of bladder and prostate cancers. Linear regression analysis showed a markedly (p , 0.001) uneven distribution ...
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Stats displayed in columns and rows with title, ID, notes, sources, and release date. Many tables on are in downloadable XLS, CVS and PDF file formats. American FactFinder tables can be modified, bookmarked/saved, printed and downloaded.. The sources of the data published on are the Census Bureau and other federal agencies, if applicable. For additional Health Insurance data, please visit the subtopic pages.. ...
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In order to read or download Generalized Linear Models For Insurance Data ebook in ePub, kindle, mobi, you need to create a FREE account in our database online library first.. You can Create an account for new user throung link bellow. Download Now This eBook available to download in PDF, ePub and Kindle version after resgistering.. ...
Mario J. Miranda and Abdoul G. Sam. 2020. Climate Change and Index Insurance Demand: Evidence from ... Natural Disasters Affect Willingness-to-Pay for Weather Index Insurance? Evidence from China. ... Muchapondwa & Mario J. Miranda. Index-Based Livestock Insurance (IBLI) in a Developing Country .... ...
Mario J. Miranda and Abdoul G. Sam. 2020. Climate Change and Index Insurance Demand: Evidence from ... Natural Disasters Affect Willingness-to-Pay for Weather Index Insurance? Evidence from China. ... Muchapondwa & Mario J. Miranda. Index-Based Livestock Insurance (IBLI) in a Developing Country .... ...
Mario J. Miranda and Abdoul G. Sam. 2020. Climate Change and Index Insurance Demand: Evidence from ... Natural Disasters Affect Willingness-to-Pay for Weather Index Insurance? Evidence from China. ... Muchapondwa & Mario J. Miranda. Index-Based Livestock Insurance (IBLI) in a Developing Country .... ...
Mario J. Miranda and Abdoul G. Sam. 2020. Climate Change and Index Insurance Demand: Evidence from ... Natural Disasters Affect Willingness-to-Pay for Weather Index Insurance? Evidence from China. ... Muchapondwa & Mario J. Miranda. Index-Based Livestock Insurance (IBLI) in a Developing Country .... ...
Jamaica faces a variety of natural hazards and, on a combined-hazard basis, is among the most vulnerable countries in the world. It lies in the center of the Atlantic hurricane belt, on a complex area of the northern Caribbean Plate margin, and is subject to tropical rainfall and erosion processes. Agriculture in Jamaica is vulnerable to various risks ranging from extreme winds, extreme rain and droughts. However, a large part of the agricultural sector, including large integrated supply chains as well as small farmers, is absorbing all the climate risks, without any risk out-transfer mechanism, neither publicly nor privately (re)insured.. ...
weather-based index insurance on technology adoption and farmer group sustainability in Tanzania; Improve ... of index insurance in the agricultural finance sector in Tanzania. Through this initiative, it is ... agricultural university to conduct high-quality economics research and promote the understanding of index .... ...
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Its the end of a work week; its raising a fist; its screaming your lungs out-its diving headfirst into a hundred sweaty bodies. South Carolinas Longshot Odds captures the energy and abandon of a raging pit, a marriage of iron-heavy chords and honey-thick leads-the kind of music where the bruising comes with the chorus. Their new EP, Circle the Drain, is a six-song EP from an exciting new voice in punk rock-but what they bring to the table is more than the same old sounds. From the metallic Challenger, to the grandiose and cinematic Movin On, all the way to the bouncey folk of Blood and Asphalt-Longshot Odds bring a diversity to their sound practically unheard of in todays skate punk scene. But above all this, Circle the Drain promises deliverance through rock n roll, and Longshot Odds fight tooth and claw to deliver. The EP, out now on Dying Scene Records, can be streamed here.. ...
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In a system and method for processing data, a user interface enables a user to enter mapping data to enable incoming data to be converted to a common data format. A database stores the mapping data and data quality rules, and a receiver receives data from a data source. The processor applies the data quality rules to the common format data to identify any potential errors in the common format data and notifies the user of any potential errors found in the common format data. The data rules may include data structure rules and/or data trending requirements based upon data trends or norms. The data source may be an employer, insurance company or other entity. The data may include insurance claim data, medical data and/or prescription data and/or eligibility and/or occupational and non-occupational data.
The Great Hornbill is the heaviest (though not longest) of the hornbills, with males weighing between 2.6-3.4kg. They are found throughout the forests of India, as well as in the Malay peninsula and Indonesia and are long-lived birds, with captive individuals living up to 50 years. Primarily frugivorous, figs make up a large portion of the Great Hornbills diet; they will also take small mammals, but this is very rare. Their most prominent feature is the yellow and black casque on top of the bill. The role of this casque is unknown; it is thought to be used to amplify the hornbill s calls, or as an indicator of sexual maturity. Great Hornbills also have been seen engaging in head-to-head casque butting while in the air. Like all hornbills, during breeding the female is sealed into a hole in a tree and is unable to leave until the chicks are grown; during this time, she relies on her mate for food ...
25 Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? 26 Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? 27 Can any one of you by worrying add a single hour to your life?. I realize about a month has gone by without much of a peep from us. Truthfully, life is starting to feel pretty normal, so I just assumed no one really cares to hear about it anymore! That isnt a bad thing either. I remember back in the early days when everyone was so encouraging and Derek said, We must not be in a good situation when people keep telling us how strong we are. So, I will take the boring over life threatening any day of the week. But then my sister-in-law reminded me that our life may seem boring to us because we live it every day, but there are still things people can ...
Entrepreneurs dont simply walk to the beat of a different drum; they hike, up hills, through crocodile waters, sometimes going days without food or water. It is because of their fortitude that we
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For example, an employee with an injured back will not have the physical capability to lift heavy objects. Limitations are normally in place for what would be considered the average time a person will be off work.. Dealing with An Employees Work Restrictions. Restrictions placed on an injured employee should closely conform to the minimum column of the medical disability guidelines while the limitations will often correlate with the optimum recovery time in the guidelines. The maximum amount of time an employee should be off work is reflected by the concept of tolerance. The greatest variance in the medical disability guidelines arises from the willingness of the employee to tolerate the symptoms of the injury. The medical provider may look at the medical disability guidelines and establish what is the normal recovery time for an injured person who has a particular nature and extent of injury. Individual factors such as fatigue and pain can impact an employees disability duration.. Personal ...
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Ultrasound guided injection is anatomically more accurate than landmark-guided injection. However, robustly blinded trials do not show significant improvements in pain relief compared to landmark-guided injection. Community based injection will in most cases be possible in the GP practice , but at present is not a pre-referral criteria. Community physiotherapy services may have practitioners experienced in injection. If neither the GP or community physiotherapy services are able to provide an injection, we encourage referral to specialist services for this purpose ...
There are many causes of neck pain and The Physio Depot diagnoses the cause to determine suitable treatment directed at the source, not just the symptoms.
Biolas constituents may have need to use a third partys location (e.g., conference at a hotel or a location for a student film project) or their property (e.g., rental equipment). Others may require an insurance certificate from Biola because of contractual requirements (e.g., professional liability to set up an internship at a hospital). Those desiring to request an insurance certificate for sanctioned purposes may request that one be produced by filling out the Certificate Request Form. The turnaround time for these requests is generally 3-5 business days. ...
Koh Yao Preservation representative Sawakon Reungsamut told the Phuket Gazette that hornbills are traded for 3,000-4,000 baht a pair. One of the chicks was anonymously returned to Ao Phang Nga National Park in a box within about a week of the post.. We took the chick to the Wildlife Conservation Office in Phang Nga Town to allow it to get stronger. Once it is fully grown, we will release it back into nature, said Mr Sawakon. We are trying to find a solution to motivate locals to be conscious of the fact that it is important to take care of these birds to avoid the species becoming extinct.. - Kritsada Mueanhawong. ...
This is the smallest of the Asian hornbill species with males measuring from tip of bill to tip of tail 55-60 cm, and females being slightly smaller. The wing length ranges from 23 to 36 cm, the bill up to 19 cm in males and up to 16 cm in females. The plumage of neck, neck, upper breast, back and wings is black with greenish gloss. The lower breast, abdomen, thighs, under wing-coverts and tips of all except the outer two primaries and basal three secondaries are white. The tail is black with a broad white tip to all but the central pair of the rectrices. The bare skin around the eye is white with a black spot in front of it, the throat skin is white with a blue tinge, the bill and casque are ivory-cloured with black base and the casque also with a black patch over the end. The iris is dark red, legs and feet are dull greenish grey. Sexes are alike axcept that the females casque is less convex and lacks the projecting tip, that casque and bill have some dark-brown patches, and that the iris is ...
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Posted on: August 26, 2016 by Newmark Insurance. In order for real estate agents to find quality prospective buyers, they often soft through leads by providing a buyer questionnaire. This can help determine how serious the buyer is and identify what they are looking for to give the agent a head start. With that said, there are some common errors that agents make […] Read More. Posted in: blog Real Estate E&O Tagged: avoiding questionnaire mistakes questionnaire mistakes a Real Estate E&O Real Estate Professional Liability ...
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The Steelers are expected to reach out to Jerrod Johnson and Tyler Palko, among others, word coming out of Steelers headquarters is that the staff is still evaluating the situation. If the Steelers believe theres a chance Ben Roethlisberger could miss the entire season following this weeks checkup, indications are the Steelers might look into David Garrard but thats a big longshot at this point. They do not view him as a stop-gap option (1-2 weeks) and wouldnt look into him unless they planned to keep him the entire season ...
Here are two quick updates on injured Phillies starters: * Center fielder Aaron Rowand had the hard cast removed from his fractured left ankle Friday. He will now wear a walking boot while continuing his rehab. Phillies manager Charlie Manuel still thinks its a longshot for Rowand to return for...
already have their bags packed, and the meals planned. These folks can only join us a few times a year, so bring your favorite covered dish and drinks, sit around the campfire to hear some tall tales with lots of braggin, and enjoy some Kentuckiana hospitality at its very best. Its a hoot !!!! Happy September birthdays to : Baron Von Csco, Christian, Cumberland Drifter, Dont Know Diddly, Dutchman Swart, Longshot Tom, Marshall Spencer Owen, Nomore Slim, Smiley, and Woodchuck Willy.. We have been very fortunate this year to have lots of new faces show up at our range. Some have been new shooters, and others have been experienced shooters that just came to visit and check out our facility. We try hard to make an extra effort to cause folks to feel at home and have a fun day.. I would also like to offer a few comments that may make your day at the range a little more efficient, demonstrate proper range operation for new and less experienced shooters, and improve the overall operation at any ...
A woman in Florida has pulled off what her obstetrician figures to be a 1-in-5-million longshot by giving birth to twins, reports the St. Petersburg Times . Why the long odds? Andreea Barbosa has a... Health News Summaries. | Newser
A brand new 10 from the southern kings in The broadsiders. This band has put out 2 excellent releases and a damn great split record and from what i have heard its still the same great rock n roll sound. It will be released by Longshot music and Contra sometime in the following months ...
Its a longshot, but you can always try different memory, or move the existing memory to a different slot, in order to troubleshoot if that is the problem. Id also reset the PMU and PRAM, because that tends to clear up various issues. Reformatting the hard drive and reinstalling the OS would also b... - MacBook Core 2 Duo
Commonwealth Health Insurance Connector Authority[edit]. The Health Connector is designed as a clearinghouse for insurance ... Reforms made in 1997 to the portion of the insurance market that related to the individual purchase of insurance had failed. In ... The Connector acts as an insurance broker to offer free, highly subsidized and full-price private insurance plans to residents ... Both Commonwealth Care and PPACA-consistent insurance is networked and almost all versions of both insurances offered gym ...
Insurance and risk management[edit]. In the United States, insurance professionals are licensed separately by each state. Many ... National Alliance for Insurance Education & Research administers the Certified Insurance Counselor (CIC) ...
Insurance[edit]. A February 2009 study on the main British insurers showed that most of them do not plan to raise their ... most of this on financial stocks such as Ping An Insurance and China Life which lost 10 and 8.76 percent respectively.[32] ... insurance premiums for the year 2009, in spite of the prediction of a 20% raise made by The Daily Telegraph and The Daily ...
Credit unions, cooperative banking and co-operative insurance[edit]. Main articles: Cooperative banking and Credit union ... insurance, banking, funeral services, and the travel industry in many parts of the country, although this is still ...
Non-insurance-related[edit]. Sponsorships[edit]. *Grange Insurance Audubon Center, a nature conservation center that opened in ... Grange Mutual Casualty Company, commonly known as Grange Insurance, is an American insurance company based in Columbus, Ohio.[4 ... to write automobile insurance for members of the Ohio State Grange.[3] Grange Insurance Services, Inc. served as a general ... Its principal business was writing property and casualty insurance coverage for policyholders as a mutual insurance company. ...
... 's home insurance solutions include homeowners insurance, condo insurance, renters insurance, insurance for landlords, ... Life insurance[edit]. MetLife's individual life insurance products and services comprise term life insurance and several types ... MetLife offers short term disability insurance and long term disability insurance.[114] Short term disability insurance is ... "Protect Your Income With Disability Insurance". Michigan Chronicle. 1 March 2005.. *^ "Disability Insurance". MetLife. MetLife ...
Insurance standard[edit]. In 2005, the UK motor insurance research expert Thatcham introduced a standard for keyless entry, ... and the National Insurance Crime Bureau credits smart keys for this decrease. [4] [5] ...
Canadian Social Insurance Numbers[edit]. I was wondering if anyone knows how to get rid or recind your social insurance number ... There was some suspicious funny business with the buildings' insurance and some other issues like all the put options on the ...
Insurance Fee Calculation Program, Insurance Fee Calculation Method, and Insurance Fee Calculation System", AIOI Insurance ... National General Insurance[edit]. National General Insurance is one of the first and largest auto insurance companies to ... Usage-based insurance (UBI) also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is ... "Allstate Insurance Company. Retrieved 24 May 2016.. *^ "Allstate Rewards FAQ". Allstate Auto Insurance. Retrieved 24 May 2016. ...
Insurance services[edit]. ADM's captive insurance services, which include Agrinational Insurance Company (Agrinational), ... ADM's Crop Risk Services is a managing general agent which sells and services crop insurance policies to farmers.[8] ... In January 2017, Archer Daniels Midland agreed to sell its crop risk services (insurance) unit to Validus Holdings for $127.5 ... provides insurance coverage for certain property, casualty, marine, credit, and other miscellaneous risks of the Company and ...
Insurance payer definition[edit]. In the United States, private insurance payers will favour a lower-cost agent preferring ... Insurance companies have generally been willing to pay high prices for such drugs; since few of their customers need the drugs ... By 2014 in the United States, in the new Health Insurance Marketplace-following the implementation of the U.S. Affordable Care ... By 2011 in the United States a growing number of Medicare Part D health insurance plans-which normally include generic, ...
Social insurance. References[edit]. *^ The Cabinet Papers 1915-1982: National Health Insurance Act 1911. The National Archives ... Unemployment insurance effect on employment[edit]. An alternative rationale for unemployment insurance is that it may allow for ... Insurance funds[edit]. Possible policy options for states to shore up the unemployment insurance funds include lowering ... The unemployment benefit I in Germany is also known as the unemployment insurance. The insurance is administered by the federal ...
Insurance exams[edit]. These are physicals performed as a condition of buying health insurance or life insurance. ... A physical examination may be provided under health insurance cover, required of new insurance customers. This is a part of ... who say that they do a more thorough examination for a cash premium on top of the insurance coverage.[13] ... insurance medicine. In the United States, physicals are also marketed to patients as a one-stop health review, avoiding the ...
Insurance[edit]. He was also one of the promoters and directos of an insurance company named Indian Globe Insurance Company ... INDIAN GLOBE INSURANCE COMPANY LIMITED. *^ The Times of India Directory and Year Book Including Who's who. 1964. p. 819. ...
Health insurance[edit]. United States[edit]. Commercial health insurance[edit]. In 2013, several commercial health insurance ... 4.2 Health insurance *4.2.1 United States * Commercial health insurance ... Other commercial insurance plans whose 2013 medical coverage policies stated that the role of TMS in the treatment of ...
Insurance[edit]. A physical examination may be provided under health insurance cover, required of new insurance customers. This ... Jureidini R, White K (2000). "Life insurance, the medical examination and cultural values". J Hist Sociol. 13 (2): 190-214. doi ... Davis AB (1981). "Life insurance and the physical examination: a chapter in the rise of American medical technology". Bull Hist ... the cost of staff health insurance will be lower. However, certain exams or tests that are requested by employers, such as a ...
Loss of insurance cover[edit]. The Insurance Council of New Zealand (ICNZ) says houses and buildings in vulnerable areas will ... Insurance, Housing & Climate Adaptation: Current Knowledge & Future Research, Motu Economic and Public Policy Research, ... Rising sea level damage could cost up to $40 billion - ICNZ, Insurance Business, 1 February 2019 ...
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Social security and insurance. Men's rights groups argue that women are given superior social security and tax benefits than ... and that discrimination against men in insurance and pensions have gone unrecognized.[219] ...
Social Insurance taxes[edit]. Main article: Federal Insurance Contributions Act tax. The United States social insurance system ... Insurance companies (rules related to recognition of income and expense; different rules apply to life insurance and to ... For example, insurance companies must ultimately pay claims to some policy holders from the amounts received as premiums. These ... In addition to income tax, a wage earner would also have to pay Federal Insurance Contributions Act tax (FICA) (and an equal ...
Connections to insurance companies?[edit]. It seems to me that UL certification mainly is required for insurance reasons, as ... Additionally, many forms of insurance require that products used in a project be listed or the insurance is voided. Sorry for ... insurance companies regularly demand it. Given the name und origin of the company I wonder if a connection of sorts leading to ...
... Ltd. is a Swiss insurance company, commonly known as Zurich, headquartered in Zürich, Switzerland. The ... General Insurance[edit]. Zurich's General Insurance business serves individuals, small and medium-sized businesses and major ... Zurich's Farmers Insurance Group is the third largest insurance group in the United States.[14] ... In the United States life insurance is issued by Zurich American Life Insurance Company with offices in Schaumburg, Illinois, ...
Insurance[edit]. The majority of travel agents have felt the need to protect themselves and their clients against the ... Other sources of income may include the sale of insurance, travel guide books, public transport timetables and money exchange.[ ... These can include the sale of in-house insurance, travel guide books, and public transport timetables, car rentals, and the ... travel insurance, and package tours. In addition to dealing with ordinary tourists, most travel agencies have a separate ...
Banking, finance and insurance[edit]. The Manchester city region accounts for 7% of all financial services output and 10% of ... finance and insurance, translating to 31.4% of all employees, the 2nd highest rate of all the Core Cities after Bristol.[44] Of ... Manchester's financial and insurance sector was worth £3.22 billion, the 3rd largest in the United Kingdom after London and ... the world's largest consumer-owned business with large banking and insurance operations was founded in Manchester in 1844. The ...
Finance, insurance, iron, steel & other[edit]. Corbett was president of the Willamette Iron Works, founded in 1865.[88] The ... He was a founder and vice-president of the Oregon Fire and Marine Insurance Company. It was founded by Corbett and William S. ... His interests later included banking, finance, insurance, river shipping, stage lines, railways, telegraph, iron and steel and ... Other firms were agents for large national and foreign insurance companies).[93] ...
Part B: Medical insurance[edit]. Part B medical insurance helps pay for some services and products not covered by Part A, ... Comparison with private insurance[edit]. Medicare differs from private insurance available to working Americans in that it is a ... As such it is a form of social insurance making it feasible for people to pay for insurance for sickness in old age when they ... Many insurance group retiree, Medigap and Part C insurance plans have a provision for additional coverage of skilled nursing ...
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The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a ... Special insurance can be purchased for these possibilities, including flood insurance. Insurance is adjusted to reflect the ... a b c d e f g h Covered by homeowners insurance? Dont be so sure. CNN Money. WebCite archive. ... Home insurance, also commonly called homeowners insurance (often abbreviated in the US real estate industry as HOI), is a type ...
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Norman based students are not required to have personal health insurance, but are encouraged to seek coverage. This includes ... All HSC-based students are required by the University to have personal health insurance. This includes all OU-Tulsa students in ... Students in Norman-based programs are not required to have health insurance, but are encouraged to seek coverage. ... OU Tulsa students with the university sponsored AHP insurance plan need to seek medical care at the OU-Tulsa Student Health ...
Federal regulations require that all J-1 exchange visitors and J-2 dependents have health insurance that meets specified ... Your NYU health insurance plan will begin on your first date of employment, so we strongly encourage you to also purchase ... Minimum insurance coverage for J exchange visitors must provide:. *medical benefits of at least $100,000 per accident or ... Not all plans cover dependents, and in some cases, the J-1 must be enrolled in the health insurance plan for the J-2 to be ...
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An insurance underwriter is a professional who evaluates the risks involved when insuring people or assets and establishes the ... Insurance Premium Definition An insurance premium is the amount of money an individual or business pays for an insurance policy ... Self-Insurance Self-insurance involves setting aside your own money to pay for possible losses, instead of purchasing insurance ... Insurance Underwriters Insurance underwriters assume the risk involved in a contract with an individual or entity. For example ...
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Heres a quick crash course on insurance for teens. ... What Type of Insurance Do I Need?. Each insurance plan is ... The Health Insurance Marketplace. This option allows people who need to buy health insurance on their own to choose the best ... Health insurance is now required for everyone in the United States. People who dont have insurance have to pay penalties that ... When you get insurance through an employer, it is often through a managed care plan. With managed care, a health insurance ...
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Condo insurance works in much the same way as a homeowners policy. If a covered loss damages your condominium, a condo policy ... Condo insurance works in much the same way as a homeowners policy. If a covered loss damages your condominium, a condo policy ... HOA insurance vs. condo insurance. HOA insurance includes two types of coverages, liability and property. The liability ... The insurance industry refers to condo insurance as an HO-6 policy. Condominium managers can choose from several types of HOA ...
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Founded in 1993 in Columbus, Ohio, the basic auto insurer also offers several extended auto insurance coverage options and ... Founded in 1993 in Columbus, Ohio, the basic auto insurer also offers several extended auto insurance coverage options and ... SafeAuto Insurance Company offers basic state minimum liability coverage for drivers looking for affordable car insurance that ... SafeAuto Insurance Company offers basic state minimum liability coverage for drivers looking for affordable car insurance that ...
... insurance insurance insurance insurance * 8. Grown up insurance sector The insurance industry has grown by 83 per cent since ... 2. CONTENT Insurance Introduction € Privatisation in Insurance Types of Insurance € Growing up of Insurance Sector € Major ... 4. Insurance- Introduction Insurance= Protection against Risk • Insurance is a co-operative device of distributing losses, ... 7. Types of Insurance Privatization has brought in lot of surprises for insurance sector. In India, insurance sector is at the ...
You can request this insurance via the website of AON or with another insurance company. Information on other insurance ... then please compare your insurance to the AON insurance so you are sure your insurance has sufficient coverage. ... If you are insured under a health insurance scheme of one of these countries, your insurance company can provide you with an ... If you do not have liability insurance that covers you in the Netherlands, its advised that you arrange liability insurance ...
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Title: Car Insurance????, Author: coolmail84, Name: Car Insurance????, Length: 16 pages, Page: 1, Published: 2019-03-15 ... Best health insurance? Best health insurance? Compare Car Insurance for mazda 3, Where? how much would car insurance be for a ... What insurance company offer the best auto insurance quote? What insurance company offer the best auto insurance quote? ... Car Insurance???? Hi does anyone know any cheap car insurance companies. Thankyou Health Insurance? I AM TRYING TO CHOOSE THE ...
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This April 24 webinar will provide an insightful and timely look at state options for health insurance. Several national ... Health Insurance: Whats Next for States and Flexibility. Friday, April 24, 2015. 1 p.m. EDT/ Noon CDT/ 11 a.m. MDT/ 10 a.m. ... For decades, states have been primary regulators, and at times innovators, in the arena of commercial health insurance. Such ... Brian Webb, manager of Health Policy and Legislation for the National Association of Insurance Commissioners (NAIC). The NAIC ...
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  • The first known insurance contract dates from Genoa in 1347, and in the next century maritime insurance developed widely and premiums were intuitively varied with risks. (
  • Offering a government-sponsored health plan with publicly determined payment rates to people who buy their own insurance could lower the cost of premiums, but on its own it is unlikely to substantially increase the overall number of people with coverage. (
  • Insurance underwriters assume the risk of a future event and charge premiums in return for a promise to reimburse the client an amount in the event damage or occurs. (
  • Stop-loss insurance protects groups that pay their own health insurance claims for employees rather than paying premiums to transfer all of the risk to an insurance carrier. (
  • In this animated video, the YouToons break down important insurance concepts, such as premiums, deductibles and provider networks. (
  • Blue Cross and Blue Shield, the largest insurance program in the Washington metropolitan area - which covers most government workers as well as others who work for themselves or private companies - have increased premiums 35 to 40 per cent in the last year alone. (
  • Policy-holders who seldom use their insurance may suspect that high profits or administrative inefficiencies on the part of the insurance companies account for the increases, but economists who have studied the problem find a less sinister explanation: health insurance premiums have gone up because the cost of medical care has gone up. (
  • If an individual pays health insurance premiums, half the expense up to a maximum of $150 is deductible on his or her tax return. (
  • If an individual's employer pays some or all of the employee's health insurance premiums the employer can deduct whatever is paid as a cost of doing business. (
  • But even if the employer pays medical insurance premiums for employees, employees still bear part of the burden in wages diverted to pay health benefits and in higher prices they pay for consumer goods as businesses pass on the higher costs for health insurance to their customers. (
  • What factors affect car insurance premiums? (
  • My mom has a great driving record I'm now wondering what affects car insurance premiums? (
  • The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or "Marketplaces") created by the Affordable Care Act (ACA). (
  • As a result of rapidly rising medical malpractice insurance premiums, reduced availability of coverage, and financially distressed liability insurers, many states have passed tort reforms. (
  • This means that despite insurance risks and payouts remaining the same, insurers are forced to reduce premiums which makes profitable growth a challenge. (
  • That's partly because most employers share the cost of insurance premiums with employees. (
  • By comparison, annual premiums for 2017 reached $18,764, up 3 percent from 2015 for an average family coverage with workers on average paying $5,714 towards the cost of their coverage, according to the Kaiser Employer Survey, October 2018 and 2017, applying to employer-based insurance. (
  • With the tool, consumers around the nation can generate estimates of their health insurance premiums and what financial help may be available -- based on household income, family size, ages of family members, and zip code -- for ACA marketplace plans sold in their local area. (
  • Today, the Commerce Insurance Company writes nearly $1.6 billion in premiums and employs more than 1,800 people at its Webster facilities. (
  • forecasts to 2019 for both the underlying travel market and for the size of the market for stand-alone travel insurance and assistance in terms of premiums and policies, with the same segmentation as that specified above for the period from 2011 to 2015. (
  • Among other things, Form 1095-A reports the total monthly health insurance premiums paid to the insurance company you selected through the Marketplace. (
  • The insurance industry is a key component of the economy by virtue of the amount of premiums it collects, the scale of its investment and, more fundamentally, the essential social and economic role it plays in covering personal and business risks. (
  • Check with your patient's insurance provider for details of coverage. (
  • If your patients do not currently have any health insurance, let them know that they can visit External to learn more about health coverage options. (
  • The amount of money charged by the insurer to the Policyholder for the coverage set forth in the insurance policy is called the premium . (
  • Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. (
  • If insufficient coverage is purchased to rebuild the home, the claim's payout may be subject to a co-insurance penalty. (
  • Home insurance offers coverage on a "named perils" and "open perils" basis. (
  • Students in Norman-based programs are not required to have health insurance, but are encouraged to seek coverage. (
  • OU Tulsa students with the university sponsored AHP insurance plan need to seek medical care at the OU-Tulsa Student Health Clinic, or they need to obtain a referral from Student Health Clinic to receive optimal insurance coverage (exceptions include behavioral health care, OB/GYN services and emergency room care). (
  • Needlestick coverage is already an incorporated benefit in the Health Science Center insurance policy with AHP. (
  • Payment of the health fee does NOT constitute health insurance coverage and will not satisfy the University requirement. (
  • Failure to maintain adequate insurance coverage (as detailed below) is a violation of US government regulations that results in immediate termination of your status. (
  • We highly recommend that all J-1 exchange visitors and their dependents purchase health insurance coverage before traveling to the United States. (
  • We recommend that your health insurance coverage is active prior to traveling. (
  • Therefore, all J-1 exchange visitors and J-2 dependents with NYU Employee health insurance must purchase a supplemental policy that will bring their full health coverage up to minimum federal requirements. (
  • 2. If you want to waive the requirement to purchase a plan through ISP because you have other coverage that meets the J-1 requirements, you must have an agent from your health insurance provider certify that the plan meets specific minimum coverage requirements by completing and signing this certification form . (
  • You will need to upload the coverage confirmation letter from ISP or your signed health insurance provider certification form during the online registration, or bring a copy with you if you prefer to register in person. (
  • Not all plans offer insurance coverage for pregnancy and maternity. (
  • The Affordable Care Act mandates that all individuals who are considered U.S. residents for tax purposes ( as defined by the IRS ) carry adequate health insurance coverage. (
  • If you are fortunate and have not experienced troubles while on holiday or travelling overseas you may not know just exactly how beneficial Travel Insurance Coverage can be and what it supplies. (
  • There is no question that insurance coverage can appear complex and also daunting, what with all that confusing phrasing and also fine print. (
  • Just as with any type of type of insurance coverage plan, be aware that it may not offer cover for any kind of and also all eventualities. (
  • In lots of situations the medical condition may be consisted of totally free with the plan, or there may be an additional premium, but definitely it is better to have insurance coverage in location as well as traveling with tranquility of mind. (
  • However, it is necessary to keep in mind that an insurance coverage is not a license to be careless as well as go wild as well as insane. (
  • It is truly a substantial advantage for travellers to have traveling insurance coverage. (
  • Before you proceed and obtain insurance coverage for your trip, it is necessary to search to find something that fulfills your demands. (
  • How Would a Public Option on Health Insurance Affect Costs and Coverage? (
  • Health insurance is a plan that people buy in return for coverage on all kinds of medical care. (
  • Some employers offer health insurance coverage on your first day of work. (
  • Insurance companies are no longer allowed to deny coverage to anyone because of a pre-existing condition. (
  • Frequently sold as a package, travel insurance may include several types of coverage. (
  • The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, medical expense coverage, and accidental death or flight accident coverage. (
  • Also, some travel insurance policies may duplicate existing coverage from other providers or give protection for costs that are refundable by other means. (
  • Your homeowners or renters insurance may extend coverage outside of your domicile, and airlines and cruise lines are responsible for loss and damage to your baggage during transport. (
  • The two primary types of medical travel insurance policies are short-term medical and major medical coverage. (
  • The U.S. government urges Americans to consult their medical insurance providers before traveling to determine whether a policy extends its coverage abroad. (
  • Also, some health insurance providers may require prior approval for coverage to remain valid. (
  • Flight accident insurance provides coverage for accidents and deaths occurring during flights on a licensed commercial airliner. (
  • The Affordable Care Act expands health insurance coverage for many people in the U.S. (
  • If your insurance from your home country also covers you in the Netherlands, then please compare your insurance to the AON insurance so you are sure your insurance has sufficient coverage. (
  • Issues such as defining and enforcing health premium rate review, patient cost-sharing, available consumer assistance and appeals, the use of expanded or narrow networks of providers and coverage for adult dependents are in the hands of many insurance departments. (
  • The Bureau disseminates information to consumers relative to health insurance coverage and, specifically, access to affordable insurance products. (
  • When you register or renew a vehicle registration, you must certify insurance coverage. (
  • What will happen if I drop insurance on a vehicle or have a lapse of coverage? (
  • Whenever insurance coverage is cancelled, the DMV is notified by the insurance company and the registrant is mailed a Warning Notice offering the opportunity to enter into a consent agreement, obtain insurance, and pay a fine of $200. (
  • Be sure to keep comprehensive coverage during that time which reduces your insurance rate and keeps your vehicle from being reported. (
  • At that time, you may then drop all insurance coverage on the vehicle. (
  • Our survey shows public health insurance in China offers wide but inadequate coverage, leaving considerable unmet demand. (
  • It is recommended because Travel insurance coverage can minimize the considerable financial risks of traveling: missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, Your passport and wallet are stolen. (
  • These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare). (
  • Information about short-term health insurance policies, which offer health coverage for less than one year, and how they differ from ACA-compliant plans. (
  • An overall conclusion of the paper is that the design and management of creditable coverage mandates are likely to be key determinants of the performance of the health insurance exchanges that are a core provision of the PPACA of 2010. (
  • The Affordable Care Act, passed in 2010, includes a number of changes to improve access to health insurance for individuals and families and make coverage more affordable. (
  • People with diabetes are benefiting from the insurance protections and new coverage opportunities. (
  • An analogy is that just like you can't buy auto insurance after an accident to cover the cost of the accident, medical insurance only covers issues that arise unexpectedly after coverage has begun. (
  • In the past, obtaining health insurance could be difficult for people with diabetes, however recent reforms improve access to coverage. (
  • In the U.S., a majority of people under the age of 65 have health insurance coverage through an employer-sponsored health plan either from their own job or through a family member. (
  • The most popular form of health insurance coverage includes either no deductible before the insurance company begins paying bills, or an annual deductible of only $25 to $100, with the patient paying no more than 20 per cent of the total bill after paying the initial deductible. (
  • b) The life insurance multiplier, i.e. the factor by which pensionable remuneration is multiplied to determine the coverage level, will increase from 2.5 to 3.0. (
  • e) A new Accelerated Death Benefit is introduced whereby a participant may opt to receive a proportion of his or her life insurance coverage at a discount, under certain specific conditions relating to terminal illness (see paras. (
  • f) The monthly group life insurance premium rate will remain at $0.30 per $1,000 of coverage, notwithstanding the increased level of benefits. (
  • 7. Heretofore, life insurance levels have been set out in a schedule that related coverage amounts to ranges of pensionable remuneration, denominated in United States dollars. (
  • In effect, the system in place until now has meant that life insurance coverage could only be increased in discrete amounts at such times as the participant's pensionable remuneration jumped to the next bracket. (
  • No.* In the past, insurance companies could turn you down if you applied for coverage while you were pregnant. (
  • You can also shop for coverage in the health insurance Marketplace, which is also called an exchange. (
  • You need to be able to identify coverage fast and reduce the number of claims being denied on the back end due to inactive insurance or non-coverage. (
  • If you are still totally disabled on your 65th birthday, you will be considered retired and your life insurance amount will be reduced to 25% of the coverage in force on the day before you became disabled, and any dependents insurance you have will remain at the retiree dependent plan. (
  • If you become totally disabled as described above on or after age 65, your life insurance will be continued at no cost to you at 25% of the coverage in force on the day you became disabled. (
  • The award letter you receive when your retirement application is processed serves as your only proof of your life insurance coverage, so be sure to keep it with your important papers. (
  • The certificate of insurance with coverage provisions can be viewed by following the Employee Benefits links on the Michigan Civil Service Commission website . (
  • If you purchased supplemental life insurance as an active member, you may choose to continue your coverage in retirement. (
  • Experiences Under the ACA Suggest Association Health Plans Could Harm the Small-Group Insurance Market: The federal rule making it easier for groups to form association health plans may result in higher costs for those who need the ACA's more comprehensive coverage or don't qualify for less-regulated plans. (
  • Market Share Reports, Consumer Complaint Study,Residential and Commercial Earthquake Insurance Coverage Study, Annual Report of the Commissioner, and More. (
  • Although attitudes are changing, there still are some patients who refuse to seek help for psychological problems, even when their health insurance coverage would pay their expenses, explains Raja. (
  • It is best to do this when you first select health insurance coverage, before you need to seek help for a mental health issue. (
  • It is common for therapists to urge inpatient treatment for people, even if their insurance coverage falls short, says Palaian. (
  • If you have health insurance coverage through your employer, it is likely that you have insurance for mental health and addiction issues. (
  • In addition, state laws governing mental health insurance coverage are inconsistent, says Walker. (
  • The Council for Affordable Health Insurance says 42 states require coverage for mental health treatment. (
  • According to the National Council of Legislatures, state laws may require that insurance customers be offered coverage for mental illness, substance abuse or a combination. (
  • Business travellers may be covered by a company-wide insurance policy, but if you intend to take any side trips or have a personal holiday check the coverage: usually personal holidays on the side must be of a fairly short length to be covered by a business policy. (
  • When buying travel insurance, you should review the dates of coverage (include the day you leave and the day you arrive home in your cover), that it covers what you need, and the exclusions. (
  • insurance coverage should provide patients with access to high quality medicines. (
  • Whether covered through an employer-sponsored plan, private coverage or a plan from the health insurance exchange marketplace, consumers should be engaged and empowered in their health care decisions. (
  • In order to make informed decisions about health coverage and ensure patients have access to needed services and treatments, knowing the language of insurance is critical. (
  • Here's a guide to insurance coverage for your bike-and some tips to make your insurance ride more "easy" on your wallet. (
  • Ask your insurance professional which laws apply in your state and understand all the coverage options available to best fit your needs. (
  • Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle. (
  • Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured). (
  • From sailboats to powerboats, boat insurance from MetLife Auto & Home® gives you comprehensive coverage that you can count on in port and at sea. (
  • What types of basic boat insurance coverage does MetLife Auto & Home offer? (
  • Basically, using insurance begins as you encounter any problem after you've purchased coverage and before or during a trip. (
  • Credit card insurance deals, for example, often offer just basic coverage, and may be invalidated for travelers who paid travel deposits in cash rather than using the card. (
  • That means you can apply for life insurance and get coverage quickly, without giving a blood or urine sample. (
  • While you can get most of this coverage through a travel insurance policy or certain rewards credit cards, it's important to note that limits and caps can vary dramatically, and may make the coverage insufficient. (
  • Simply having a credit card in your possession that offers travel insurance coverage is not enough. (
  • That's because rental car insurance and lost luggage coverage are included for cardholders of certain travel credit cards. (
  • Just got a bill from last summer saying that before insurance coverage my remicade cost over 34,000 dollars per treatment. (
  • AHIP Elects Marilyn Tavenner President and CEO America's Health Insurance Plans ("AHIP") has elected Marilyn Tavenner president and chief executive officer. (
  • Karen Ignani, president and CEO of America's Health Insurance Plans, says the organization would like to see all Americans covered. (
  • Forbes partnered with market research firm Statista to survey over 20,000 customers and produce our first annual look at the Best Insurance Companies in Each State. (
  • Many insurance companies let you buy short-term, or 'student,' insurance policies to bridge the gap between school and your first job. (
  • If you've been living with an illness, like asthma or diabetes, insurance companies call that a ' pre-existing condition . (
  • Many companies selling tickets or travel packages, give consumers the option to purchase travel insurance, also known as travelers insurance. (
  • Most health insurance companies pay "customary and reasonable" hospital costs if you become sick or injured while traveling, but few will pay for a medical evacuation. (
  • Since then, state-owned insurance companies have grown into monoliths, lumbering and often inefficient but the only alternative. (
  • Information on other insurance companies can be found on the website Zorgwijzer . (
  • Hi does anyone know any cheap car insurance companies. (
  • When the unexpected happens, we turn to insurance companies to provide a safety net. (
  • Most insurance companies have histories going back decades, in which time they have accrued vast amounts of historical data - a potential source of invaluable insight for developing new products and services. (
  • Consumers will see a summary of the key factors driving rate increases and an explanation provided by insurance companies for why the proposed increase is needed. (
  • Connecticut mandatory insurance reporting law protects all of us by requiring insurance companies to report records of uninsured vehicles. (
  • Many airlines and travel companies include insurance as an extra by default. (
  • Republicans want to turn health care over to the big insurance companies, one letter-writer says. (
  • Insurance companies and other institutions that issue insurance contracts find themselves on the threshold of a new era of financial transparency as they prepare to implement new accounting standards. (
  • To stand out from the crowd, successful insurance companies need to address insurer pain points in real time, becoming a companion and champion in policy holder's daily lives. (
  • of insurance companies cite improved customer satisfaction as primary driver to plan and implement AI. (
  • I had treatment in Arizona and all of the physical therapy claims are now reviewed for medical necessity by a company contracted by the insurance companies. (
  • the insurance companies simply refuse to look forward. (
  • Currently, ITC serves more than 150 insurance companies and more than 6,000 agencies. (
  • insurance companies want to charge me 1400 A MONTH for my car due to age. (
  • Differing from some foreign insurers who seem willing to link up with non-insurance companies to set up joint ventures, Sumitomo Life believes that an insurer with a similar philosophy and rich experience is a better choice. (
  • Mailing lists for active individuals, agencies, and insurance companies and order forms. (
  • The Commerce Insurance Company ranks as one of the top 50 property and casualty insurance companies in the United States, according to A. M. Best. (
  • Disclaimer: The insurance products on are from companies from which QuinStreet may receive compensation. (
  • Compensation may impact where products appear on (including the order in which they appear).QuinStreet does not include all insurance companies or all types of products available in the marketplace. (
  • Revision as of 21:54, 9 September 2013 by ( talk ) (Added a section to contribute to the ease of locating travel insurance companies. (
  • Your driving record: Insurance companies' crystal ball You look at your driving record and see speeding tickets, an accident, maybe a DUI, and chalk everything up to dumb mistakes or bad luck behind the wheel. (
  • But insurance companies see clues about how you manage your life - and even about when you'll die. (
  • Life insurance companies can use the scores to help price policies. (
  • See how Adobe Sign saves insurance companies millions. (
  • Because I have so many hospital bills now, insurance companies have denied to pay them. (
  • I'm angry at the greed of the insurance companies,' Windsor said. (
  • ACE was a select club for America's 500 biggest companies, which set up their own mutually owned insurance outfit because insurance against catastrophes was either unavailable or too costly. (
  • Remicade is a pretty accepted treatment so I would think that most insurance companies would approve it if your doctor orders it. (
  • I would stay with mainstream insurance companies like Blue Cross even if it costs you more to do so, and then call and ask to speak to a case manager of whatever insurance company you are interested in. (
  • This paper is based on SMA's ongoing research on information and analytics in insurance, which has led the company to conclude that combating organized fraud will require insurers to implement an integrated, enterprisewide fraud prevention and management strategy that capitalizes on advanced technology solutions, including advanced analytics and a fully automated case management system. (
  • We understand that the insurance industry requires the use of documentation, by insurers and customers, for every step in the process. (
  • It's time for insurers to make large-scale digital transformation in the insurance industry. (
  • Take advantage of a digital insurance platform with flexible, rule-based applications for life, health, and property and casualty insurers that help enhance revenue growth, increase operational efficiency, reduce costs, and improve customer experience. (
  • Oracle's digital insurance platform helps insurers move away from simply keeping the lights on to simplifying IT and innovating their businesses to gain a competitive edge in today's digital marketplace. (
  • Sumitomo Life Insurance Company, one of Japan's leading insurers, has taken a 29 per cent stake in PICC Life. (
  • You can obtain travel insurance through your travel agent, your normal insurers, or any one of a number of specialist travel insurers. (
  • ACE and XL used to be the insurers of the uninsurable," says Mike Smith, an insurance analyst at Bear Stearns. (
  • Catastrophes can bankrupt an insurance company, or even a whole group of insurers. (
  • Administered by Humana Insurance Company. (
  • Discount plans are offered by HumanaDental Insurance Company, Humana Insurance Company, or Texas Dental Plans, Inc. For Arizona residents: Insured by Humana Insurance Company. (
  • For Texas residents: Insured or offered by Humana Insurance Company, HumanaDental Insurance Company, or DentiCare, Inc. (DBA CompBenefits). (
  • Humana individual vision plans insured by Humana Insurance Company, The Dental Concern, Inc., Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, Inc. For Arizona residents: Insured by Humana Insurance Company. (
  • For Texas residents: Insured by Humana Insurance Company. (
  • Humana group life plans are offered by Humana Insurance Company, Humana Insurance Company of Kentucky, or Kanawha Insurance Company. (
  • Humana long term disability and short term disability plans are offered by Kanawha Insurance Company or Humana Insurance Company. (
  • An advertising poster for a Dutch insurance company from c. 1900-1918 depicts an armoured knight. (
  • An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter . (
  • The insurer may hedge its own risk by taking out reinsurance , whereby another insurance company agrees to carry some of the risk, especially if the primary insurer deems the risk too large for it to carry. (
  • [4] A number of attempted fire insurance schemes came to nothing, but in 1681, economist Nicholas Barbon and eleven associates established the first fire insurance company, the "Insurance Office for Houses," at the back of the Royal Exchange to insure brick and frame homes. (
  • The insurance policy is a legal contract between the insurance carrier ( insurance company ) and the named insured(s). (
  • These and other hazards represent risks to an insurance company, which may eventually be required to pay liability claims in the event of accidental drownings or slip and fall injuries. (
  • It is a contract between you and your insurance company. (
  • If you are insured under a health insurance scheme of one of these countries, your insurance company can provide you with an international declaration form called European Health Insurance Card. (
  • You can request this insurance via the website of AON or with another insurance company. (
  • a surgeon or my insurance company? (
  • So I called this insurance company, but the guy there said he needed a valid driver's license # to even give me a quote. (
  • The insurance company is putting new self-service analytics and reporting capabilities into the hands of business users with an upgrade to the latest version of IBM® Cognos® Analytics. (
  • That's precisely why one major US insurance company has counted on IBM Cognos solutions to meet its analytics and business intelligence (BI) needs for over two decades. (
  • An upgrade to the latest version of IBM Cognos Analytics provided the insurance company with the perfect opportunity to address these new requirements. (
  • What does the insurance company of the future look like? (
  • Health insurance plans cannot set a dollar limit on the amount the insurance company will spend on "essential health benefits" over the course of the time a person is enrolled in that plan. (
  • The pre-existing condition exclusion period varies by insurance company, and also by the State in which the policy is issued. (
  • If you think you may have a condition that might be pre-existing you can ask the insurance company if there are exceptions and if your physician can confirm you have not suffered or been treated for the problem during the time period designated by the insurance company. (
  • In other words, I am covered if I have a heart attack or stroke which would be much more expensive than my preventative costs, which are routinely rejected by my insurance company. (
  • The company works with all insurance plans. (
  • The insurance company (Aetna Life Insurance Company) reserves the right to reject any application by a staff member who applies after 60 days and may require the applicant to undergo a medical examination at the applicant's own expense. (
  • Security Life Launches Group Dental Insurance Plans Security Life Insurance Company of America has launched its GemStar 1000+ group dental plan. (
  • Americans' Financial Security Increasingly Tied to Employee Benefits, Guardian Study Finds The Guardian Life Insurance Company of America , a mutual life insurer and provider of employee benefits, has released its Guardian Workplace Benefits Study. (
  • Penn Mutual Rolls Out New Indexed Universal Life Product The Penn Mutual Life Insurance Company has released a permanent life insurance product. (
  • An insurance company can't increase your premium based on your sex or health condition. (
  • Contact your insurance company or your employer to find out whether your plan is grandfathered. (
  • PICC Life Insurance Company, a joint venture between PICC Holding Company and three foreign investors, was launched on Friday, a new business that is part of PICC's efforts to become a major insurer. (
  • This virtual viewing room allows you to see insurance company rate filings, examination reports, and related information. (
  • The Commerce Insurance Company, a property and casualty insurance subsidiary of the Commerce Group, Inc., was founded in 1972 to provide independent agents access to a company focused on agents and their customers' personal lines and insurance needs. (
  • The Commerce Insurance Group, also known as Commerce Insurance Company, is an American company that provides personal insurance, commercial property insurance and casualty insurance in Massachusetts and New Hampshire. (
  • In April 2007, Commerce entered the New York personal lines insurance market through its acquisition of SWICO Enterprises, Ltd., the holding company for Hempstead, New York-based property and casualty insurer State-Wide Insurance Company. (
  • State-Wide Insurance Company primarily writes private passenger automobile insurance in the state of New York. (
  • The policy is offered under the expanded market program and is provided by American Modern Insurance Group, a third-party company not affiliated with Allstate. (
  • Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible . (
  • Motor vehicle records give insight into how folks behave," says Karen Phelan, senior director of life Insurance for LexisNexis Risk Solutions, a data analytics company in Atlanta. (
  • Insurance technology company Benefytt used e-signatures with Adobe Sign simplify enrollment and to process 350,000 forms last year. (
  • It lists the amount of premium assistance you received in the form of advance payments of the premium tax credit that were paid directly to your insurance company, if any. (
  • If you chose to have advance payments of the premium tax credit paid directly to your insurance company, you must complete Form 8962, Premium Tax Credit and file a federal income tax return, even if you are otherwise not required to file. (
  • Does any one know, if an insurance company says that remicade is not covered, is there any room for negotiation if its declared medically necessity? (
  • My 90mg shot of Stelara is billed at $40,067 and my insurance company pays $18,771 as their discounted rate. (
  • Under the Affordable Care Act, insurance plans that cover children now allow parents to add or keep adult children on their health insurance policy until they turn 26 years old. (
  • The insured receives a contract , called the insurance policy , which details the conditions and circumstances under which the insurer will compensate the insured. (
  • If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster . (
  • It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents , loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. (
  • A standard home insurance policy insures the home itself along with the things kept inside. (
  • The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy. (
  • This type of policy is most common in countries with developing insurance markets and as protection for vacant or unoccupied buildings. (
  • 1. Purchase an insurance policy offered by ISP to cover yourself and all J-2 dependents. (
  • The price of medical repatriation without travel insurance policy is likely to be truly devastating to you and/or your household. (
  • Numerous individuals think that all tasks offered at their holiday destination will immediately be covered by their travel insurance policy. (
  • A principle to keep in mind when it concerns take a trip insurance policy is that you ought to act in any way times as if you are not insured and refrain from doing anything to put on your own, others, or home in jeopardy. (
  • Thinking about the relatively low cost of travel insurance policy, it is unexpected that many individuals remain to go taking a trip without it. (
  • For example, homeowners insurance underwriters must consider numerous variables when rating a homeowner's policy. (
  • Many people in the United States get a health insurance policy through their employers. (
  • Check your insurance policy in your home country to see if it covers your stay in the Netherlands for both health and liability. (
  • Brian Webb , manager of Health Policy and Legislation for the National Association of Insurance Commissioners (NAIC). (
  • Consolidate underwriting, policy processing, billing, and claims for individual and group insurance all on a single system. (
  • Young adults can stay on their parent's insurance plan until age 26 as long as the policy covers dependents. (
  • In Canada, the death benefit from a life insurance policy is typically not taxable. (
  • Switch to a modern, flexible, and rule-based insurance policy administration solution that adapts to your changing business needs and fosters growth. (
  • The information below provides only a summary of the Platinum Travel Insurance policy. (
  • As an antidote to this situation Feldstein proposed that policy-holders be encouraged to absorb more of the cost of care directly by eliminating tax incentives for insurance plans with low or no deductibles. (
  • 3. The present circular also includes a summary of benefits under the United Nations group life insurance plan, information about the responsibility for maintaining life insurance records , guidance regarding the steps for making a life insurance claim , additional information from Aetna about the new Accelerated Death Benefit , and sample policy conversion premium rates. (
  • Car insurance policy and rates question? (
  • My girlfriend is on my car insurance policy. (
  • Can I drop her off my car insurance policy and have her transfer her car in my name that way both cars can be insured in my name. (
  • I am under my parents car insurance, but I still pay myself and they bill me directly, but because there are three cars under the policy it cost less for me and that is why I choose to be on their policy. (
  • Explore your options, manage your policy, and file claims to get the insurance benefits you've earned. (
  • Find out how to claim VA life insurance benefits under your policy. (
  • Find out when and how you can convert your VA life insurance to a commercial policy. (
  • If you think we may owe you funds from a VA insurance policy, search our unclaimed funds records by the qualifying Veteran's name. (
  • Learn the truth about the rumors that there are special dividends for Veterans who don't have an active government life insurance policy. (
  • Within 30 days of retirement, you may convert the remaining 75 percent of your active life insurance to a private direct pay policy. (
  • The increased cost of health insurance is a central fact in any discussion of health policy and health delivery. (
  • Walker recommends thoroughly reading your insurance policy and asking for help if there is anything you don't understand. (
  • Insurance policy language will be confusing to consumers, Walker warns. (
  • Much like home or auto insurance, a pet health policy can help provide peace of mind - kicking in to help cover costs when your cat or dog has an injury, faces a serious health problem and, in many cases, goes to the vet for routine wellness care. (
  • Your pet needs to be under the age of 14 to sign on with a new health insurance policy. (
  • This article describes common items covered by travel insurance policies, and what to check for on your policy. (
  • This article is a general guide to travel insurance policies, including some possible terms but is not a substitute for careful review of your own policy. (
  • Because travel insurance policies are somewhat interchangeable, there are a number of websites where you can compare policy costs. (
  • Many travel insurance policies cover only certain expenses, such as "cancellation for any reason" or cancellation due to airline bankruptcy, if the policy is purchased within two weeks of the initial trip payment. (
  • Choosing the right insurance policy is much like choosing the right motorcycle. (
  • With a MetLife Auto & Home boat insurance policy, you're covered in the event of hurricanes or floods, theft, fire, sinking or boating accidents. (
  • This newsletter is intended for M and L Insurance policy holders who provided e-mail information. (
  • A few months later, he found his answer: He got health insurance when he married his good friend, Val Chamberoam, who put him on her health policy. (
  • XL and Pareto started to develop new financial-insurance products, such as FXL , a combination of a foreign-exchange hedge with an insurance policy. (
  • The earliest known policy of life insurance was made in the Royal Exchange, London, on the 18th of June 1583, for £383, 6s. (
  • A minimum set of "essential health benefits" like hospitalization, prescription drugs, preventive services, and chronic disease management must be covered in all new individual and small group plans (including all plans sold in the Health Insurance Marketplaces) starting in 2014. (
  • The state Health Insurance Marketplaces are open for business! (
  • Health Insurance Marketplace Calculator , posted by Kaiser Family Foundation (KFF), now includes local data on the 2019 health plans being sold through the Affordable Care Act (ACA) marketplaces during the 2019 open enrollment period. (
  • When approached in early 2019, the IT folks at Nationwide said that they could not prioritize the implementation work on a new insurance product, as they were already doing a massive core systems transformation," says David Connolly, EY Global Insurance Technology Leader. (
  • For those buying insurance on an exchange or private market plan for 2018 , the average increase with subsidies was $201. (
  • The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. (
  • Price remains a major consideration for customers when choosing an insurer, which is highlighted by the fact that within the UK 74% of insurance customers advise basing their choice on price, with only 24% making a choice based on the quality of the customer experience. (
  • Price remains a major consideration for customers when choosing an insurer, which is highlighted by the fact that in some regions up to 74% of insurance customers advise basing their choice on price, with only 24% making a choice based on the quality of the customer experience. (
  • With registered capital of 1 billion yuan (US$123 million), the Beijing-based insurer offers life insurance, health insurance, accident insurance and reinsurance services. (
  • You purchase travel insurance for international trips through an insurer in your country of residence , which means the country to which you'd want to be evacuated to or return to after a serious medical emergency and/or the country you'd need to travel to if a family member became very ill (these are assumed to be the same country). (
  • Motorcycle insurance policies vary so, as always, shop around for an insurer and insurance professional with whom you feel comfortable. (
  • Simplify insurance verification with search optimization functionality, allowing you to execute multiple searches to ensure the highest likelihood of finding a patient match. (
  • We investigate the design of an optimal Unemployment Insurance program using an equilibrium search and matching model calibrated using data from the reemployment bonus experiments and secondary sources. (
  • All Health Insurance Marketplace External plans and most other private insurance plans must cover the following list of vaccines without charging a copayment or coinsurance when provided by an in-network provider. (
  • The Health Insurance Marketplace. (
  • A Health Insurance Marketplace (Marketplace) is available in every state where individuals, families, and small businesses can buy health insurance. (
  • Individuals and families who purchase insurance on their own in the individual insurance market can buy a plan on the Health Insurance Marketplace. (
  • The Health Insurance Marketplace Calculator is based on the Affordable Care Act (ACA) as signed into law in 2010, and subsequent regulations issued by Health and Human Services (HHS) and the Internal Revenue Service (IRS). (
  • Aug. 22, 2013 -- Colorado has announced the rates for health insurance for individuals and small businesses through the state's new Marketplace , Connect for Health Colorado. (
  • Under the Affordable Care Act, signed into law in 2010, each state must have a health insurance Marketplace in place by Oct. 1. (
  • Health Insurance Marketplace - also known as the Health Insurance Exchange - is the place where people without health care insurance can find information about health insurance options and also purchase health care insurance. (
  • If you purchased health care insurance through the Marketplace, you should receive a Form 1095-A, Health Insurance Marketplace Statement , at the beginning of the tax filing season. (
  • Our Virtual Academy is specifically designed to address these types of changing requirements in the insurance marketplace, allowing our customers to stay ahead of the curve,' said Fox. (
  • Indeed by the time open enrollment closed, nearly 1 million enrollees were notched- split between Medicaid (525,000) and private health insurance (370,000). (
  • People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid . (
  • Individuals and families that do not have access to health insurance from an employer and do not qualify for public programs, such as Medicaid or Medicare, may wish to purchase a health plan on their own in the individual insurance market. (
  • Medicaid is a state-administered health insurance program for certain individuals and families with low incomes and resources. (
  • If Windsor were poor, he could've found insurance through Medicaid, but his $30,000 income was too much to qualify. (
  • But it would also drive up costs for younger people who buy health insurance on Affordable Care Act exchanges. (
  • Read about the Patient Protection and Affordable Care Act of 2009 and how it affects Massachusetts' own health insurance laws. (
  • The Affordable Care Act makes it easier for pregnant women to get insurance to help pay for the medical care they need. (
  • As the leading provider of professional services to Bermuda's insurance and reinsurance industry, we are ready to help you with your most challenging issues, from strategy to execution. (
  • Explore the solutions to help transform your insurance business through exceptional insurance customer experiences. (
  • Explore our insurance industry ranking and award lists. (
  • Explore CEO's current studies and completed reports on unemployment insurance. (
  • The insurance industry is undergoing fundamental transformation as it comes up against the impact of new regulation, new technology, accelerating shifts in consumer demand and mounting competition from InsurTech players. (
  • Oracle Health Insurance enables flexibility for our business, while allowing for growth and change while we are undergoing that transformation. (
  • Discover how successful insurance carriers are taking new approaches to transformation and see how you measure up. (
  • To truly achieve client-centricity, a comprehensive digital transformation is required to transform the insurance industry in the eyes of customers. (
  • These informal beginnings led to the establishment of the insurance market Lloyd's of London and several related shipping and insurance businesses. (
  • Both leave sizeable chunks of capacity at Lloyd's of London, the insurance market. (
  • Yesterday, the Obama administration said that they expect to have 10 million people enrolled on the Obamacare insurance exchanges in 2016. (
  • Salesforce insurance solutions allow policyholders to easily communicate with the right representative with more immediacy and accuracy than traditional channels. (
  • Since sufficient health and liability insurance are mandatory in the Netherlands, it is important that you arrange insurance either before you leave your country or immediately after arrival in the Netherlands. (
  • If you do not have liability insurance that covers you in the Netherlands, it's advised that you arrange liability insurance via AON (ICS Start insurance). (
  • Students from countries that are not mentioned above are advised to take out health and liability insurance from AON (ICS Complete insurance). (
  • Connecticut law requires that any motor vehicle registration that has not been canceled must have liability insurance. (
  • If your registration has expired, liability insurance on the vehicle is required until the registration/license plates have been canceled . (
  • You can not drive a motor vehicle on a public road without liability insurance. (
  • Your signature attests that minimum vehicle liability insurance will be maintained throughout the registration period and the vehicle will not be driven without insurance. (
  • Maintain liability insurance if you intend to operate your vehicle and have active registration plates. (
  • Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. (
  • CURIE: Canadian Universities Reciprocal Insurance Exchange is the cooperative risk sharing pool created and owned by its 58 member Canadian universities to secure their core property and liability insurance risks. (
  • We analyzed what would happen if public options became available in U.S. health insurance exchanges. (
  • The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren 's inclusion of a site for 'the Insurance Office' in his new plan for London in 1667. (
  • Academic Health Plans (AHP) manages the University of Oklahoma sponsored student health insurance plan provided by Blue Cross and Blue Shield PPO of Oklahoma. (
  • Most of NYU's Employee health insurance plans (excluding the High-Deductible Health Plan) meet all federal requirements except payment for repatriation and medical evacuation. (
  • Your NYU health insurance plan will begin on your first date of employment, so we strongly encourage you to also purchase travel insurance to cover you before your start date if you are arriving in the US early. (
  • Not all plans cover dependents, and in some cases, the J-1 must be enrolled in the health insurance plan for the J-2 to be eligible. (
  • When planning a summertime holiday, weekend break or winter season ski vacation lots of people find it hard to choose a travel insurance plan. (
  • Interest in a government-sponsored health insurance plan with publicly determined provider rates is growing. (
  • In the United States, kids can stay on their parents' health insurance plan until age 26. (
  • It's designed to protect people from losing their health insurance by allowing them to continue buying their current health plan for a limited time. (
  • Each insurance plan is different when it comes to what's covered, what's not, and how much things cost. (
  • Insurance through employers is often with a managed care plan. (
  • When shopping for health insurance, it is important to ask if the plan covers the diabetes supplies, services, and prescription drugs you need, and what it costs. (
  • In 1973, the Washington area Blue Cross-Blue Shield health insurance plan offered a moderate level program for families at a cost of $44.99 a month. (
  • Aspen Dental ( ) is offering 20 percent off dental and denture services for individuals who have lost insurance benefits or have elected not to participate in their company's benefits plan. (
  • 1. A revised administrative instruction (ST/AI/2002/6) has been issued governing the policies and procedures for the United Nations group life insurance plan made available to staff and former staff, with effect from 1 October 2002. (
  • It should be noted that the plan provides term insurance only. (
  • Find out which life insurance plans you may qualify for-and the benefits you'll receive with each plan. (
  • If you're enrolled in a VA life insurance plan, find out if you can get free financial planning and online will preparation services. (
  • So once you give birth, you can shop for insurance and enroll in a plan even if you missed the open enrollment period. (
  • If you become totally disabled prior to age 65, your amount of insurance being continued will be the amount in force on the day you became disabled, except that any dependent life insurance in force will be reduced to the retiree dependent plan. (
  • If you have dependents insurance, it will reduce to the retiree dependents plan. (
  • In fact, according to mental health professionals, getting proper treatment often depends on the quality of your health insurance plan. (
  • The good news is that you can plan for some of the more difficult times by putting a pet health insurance plan in place. (
  • Knowing what's covered in your health insurance plan can be complicated, and each plan has a unique list of medicines that are covered -- this is called a formulary. (
  • All international students taking one or more credit hours will be required to enroll into the BGSU/United Healthcare Student Resources insurance plan. (
  • Property and casualty insurance agents act as field underwriters, initially inspecting homes or rental properties for conditions such as deteriorated roofs or foundations that pose a risk to the carrier. (
  • For example, the two places are both subject to typhoons, and they can share experience in casualty insurance and seek room for cooperation through the platform, she added. (
  • PICC Holding is involved in almost all insurance sectors, including property and casualty insurance, life insurance, health insurance, assets management and the insurance broking business. (
  • Created as part of the health care reform legislation of 2006, the Health Care Access Bureau is responsible for regulatory oversight of the small group and individual health insurance markets, and of affordable health plans. (
  • Confused by the wording in the insurance plans you are considering? (
  • Two weeks ago, the U.S. Civil Service Commission announced new health insurance rates for plans offered government workers. (
  • For many health insurance plans, regardless of the clinical indication, out-of-pocket amounts for patients are the same for many health care services. (
  • You have a lot of alternatives for obtaining medical insurance plans offline and online. (
  • While it is tempting to compare the costs for the new plans to current ones, it is important to remember that these are new plans with new benefits and new requirements, so it is not an 'apples to apples' comparison," says Colorado Interim Insurance Commissioner Doug Dean in a news release. (
  • International travellers will almost always want to obtain travel insurance because it covers medical expenses, but even travellers not leaving their own country may find it useful depending on their plans. (
  • California Organized Investment Network (COIN) Is a Collaborative Effort Between the California Department of Insurance, the Insurance Industry, Community Affordable Housing and Economic Development Organizations, and Community Advocates. (
  • MILWAUKEE , April 19, 2011 /PRNewswire/ -- Marshall & Swift/Boeckh (MSB) announced today that they have launched a new course through their Virtual Academy - specifically designed to satisfy the recently adopted California Department of Insurance regulation #2010-00001. (
  • Our rankings cover five products: Auto, Homeowners, Renters, Term Life and Permanent Life Insurance. (
  • How do I get a homeowners insurance for an LLC? (
  • We are now looking for a homeowners insurance but are having some difficulties finding one for an LLC. (
  • Its core product lines include personal automobile, homeowners and commercial automobile insurance. (
  • premium income in the life insurance sector to rise further by 15-16 per centand non-life insurance premium by 14 per cent in 2005-06. (
  • And what types of term life insurance is provived by lic of india? (
  • ai'm paying the car and insurance for 3 years and that person report the car that i have stolen the car only way to store what can i do Which insurance is best Life (term or level) or Mortgage insurance? (
  • I am not sure whether to go for Life Term Insurance, Life Level Insurance or Mortgage Insurance? (
  • You probably already have car insurance, health insurance and even life insurance, but what about alien abduction insurance? (
  • Are life insurance benefits taxable. (
  • Most laws regulating life insurance are developed and implemented by state governments. (
  • Allianz Taiwan Life Insurance Co. Ltd.'s virtual assistant, Allie, connects with customers in a very human way. (
  • d) The age thresholds applicable to the after-service life insurance programme are increased by five years at each level (see para. (
  • 5. The eligibility criteria and enrolment rules pertaining to the group life insurance are set out in section 2 of ST/AI/2002/6 and, for convenience, are summarized below. (
  • Only when that participant's pensionable remuneration rose above the top of that bracket (i.e., above $37,500) would the amount of life insurance increase to the next highest level. (
  • Accumulation builder advantage indexed universal life ("IUL") now is part of Penn Mutual's life insurance product portfolio. (
  • VA life insurance can offer financial security for Veterans, service members, and their spouses and dependent children. (
  • Track the status of your life insurance appeal. (
  • If you disagree with a decision on your application for life insurance benefits, you can request a decision review. (
  • If you've received a denial letter for Traumatic Injury Protection Life Insurance benefits that instructs you to use this form, file your appeal by the date provided in your letter. (
  • Group Life Insurance premium automatically from your bank account. (
  • Group Life Insurance. (
  • Find and download the forms you need to apply for and manage your life insurance benefits. (
  • Download life insurance handbooks, guides, and newsletters. (
  • You have 4 options to get life insurance as you transition out of service, but they have time limits. (
  • As a retiree who meets regular age and service eligibility, your state-sponsored life insurance continues for you and your dependents at no charge to you. (
  • If you left as a deferred member you do not qualify for the state-sponsored life insurance. (
  • You can change your life insurance beneficiary by submitting the Life Insurance Beneficiary Designation (R0782GHB) form. (
  • Any person(s) can be named as beneficiary(ies) for your life insurance. (
  • This designation is separate from your state-sponsored life insurance beneficiary designation as indicated above. (
  • PICC Life will also provide group insurance services to PICC Property's customers and its employees. (
  • LexisNexis uses motor vehicle records and other publicly available data in its software tool for evaluating life insurance applicants. (
  • When combined with information about medications that applicants take - which can be purchased from prescription-data providers - the tool's results can eliminate the need for life insurance medical exams in many cases, Phelan says. (
  • When you're assessing an individual for life insurance in their 20s, 30s, 40s or even 50s, they might not have a lot of relevant medical history," Phelan says. (
  • Here's a look at some Life Insurance groups near Columbus. (
  • Request in writing through your insurance carrier "suspension of liability. (
  • Home insurance , also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI ), is a type of property insurance that covers a private residence . (
  • 8. Grown up insurance sector The insurance industry has grown by 83 per cent since the opening up of the sector. (
  • Insurance Technologies Corporation (ITC), founded in 1983, is a leading provider of agency marketing , rating and management software and services to the insurance industry, including independent agents and insurance carriers. (
  • AHIP is the national trade association representing the health insurance industry. (
  • Check out this collection of videos showcasing the best insurance, insurtech, and fintech success stories from the senior executives and industry thought leaders who attended this year's New York World Tour event. (
  • According to IFC's 2015 SheforShield Report , the Insurance industry can play a major role in addressing this gap and earn up to $1.7 trillion by 2030 from women alone-half of it in emerging economies--if they target women. (
  • Do you think insurtechs are having a mostly positive or negative effect on the P/C insurance industry? (
  • Do you think young people being hired by the insurance industry today are being overpaid? (
  • COVID-19, Hurricane Season, Cyber Risk: Is the Insurance Industry Ready for a Compound Disaster? (
  • Three digital trends disrupting the insurance industry. (
  • In the insurance industry, the average cost of acquiring a new customer continues to increase. (
  • The reader will find information on the diverse activities of this industry and on international insurance market trends. (
  • RIMS provides a formal platform where experts and learners of insurance and risk management can exchange ideas, best practices and industry changes to over 10,000 risk management professionals who operate in more than 120 countries. (
  • If you have clinical problems or are taking medicine for a problem it is crucial that you divulge this when acquiring travel insurance. (
  • Travel insurance is a type of insurance that covers the costs and losses associated with traveling. (
  • Many travel insurance policies pay for belongings only after you exhaust all other available claims. (
  • Travel insurance is intended to protect the insured from liability or losses incurred while on travel, either internationally or within the insured's own country. (
  • Travel insurance is not mandatory. (
  • But before making a purchase decision it would be better if you first check and compare all the travel insurance policies online. (
  • You can also buy annual travel insurance which covers many trips. (
  • When you fly with us, leave your worries behind by adding our travel insurance to your booking. (
  • Complimentary worldwide travel insurance for you, your partner and your dependent children up to the age of 24. (
  • Travel insurance is short-term insurance available specifically against travel-related emergencies and expenses. (
  • Travel insurance policies differ markedly in their terms and conditions. (
  • If travelling within your country of residence, you can buy cheaper domestic travel insurance within that country, but you may decide that you do not need it at all if you are willing to risk losing costs associated with cancellations and so on. (
  • Some travel agents will offer travel insurance when you book travel, but you can purchase travel insurance between then and shortly before you depart, providing an opportunity to shop around. (
  • international travel insurance , covering travel outside your country of residence. (
  • domestic travel insurance , covering travel inside your country of residence. (
  • The report, which represents an update and expansion to a previous Finaccord study on the subject, is accompanied by an Excel PartnerBASE™ dataset that details the travel insurance partnerships identified, plus a convenient market data annexe, also in Excel format. (
  • A recent study by AA Travel Insurance suggested that one in five of the one million Britons expected to take a skiing or snowboarding holiday this winter - an estimated 200,000 people - will travel without purchasing insurance. (
  • When Is Your Credit Card's Travel Insurance Good Enough? (
  • People know travel insurance exists because they get the option to buy or decline it when they purchase airfare or book a vacation package. (
  • At the very least, many are informed of their credit card's perks and benefits - including travel insurance - when they sign up for a new card. (
  • But, many people still don't know how travel insurance actually works. (
  • The complexities of travel insurance have made it so that few people understand whether they should buy it or when they actually need it. (
  • For example, what does travel insurance cover? (
  • To find out, we interviewed some travel experts who rely on travel insurance and advise others on how to do the same. (
  • What kind of travel insurance is available? (
  • When should you rely on travel insurance offered through a credit card? (
  • When your current insurance policies arrive this year open them up and call us or your current agent and make sure your coverages, deductibles, endorsements are what you need and are expecting in case of a loss. (
  • Insurance underwriters are professionals who evaluate and analyze the risks involved in insuring people and assets. (
  • Insurance underwriters establish pricing for accepted insurable risks. (
  • Insurance underwriters evaluate the risks involved in insuring people and assets and establish pricing for a risk. (
  • However, a blood test that goes beyond the traditional cholesterol numbers and is better at detecting risks for heart and stroke health issues is not covered by insurance. (
  • The purpose of these SOP's are to demonstrate best practices in managing the risks and insurance issues associated with the activities of the York University community. (
  • The direct insurance of sea-risks for a premium paid independently of loans began, as far as is known, in Belgium about A.D. 1300. (
  • Enterprise Content Management offers insurance providers the ability to manage documents digitally, maximising responsiveness and improving delivery of service. (
  • How compliance auditing works in Insurance Website Builder: When a member agent makes a change to the content of his or her insurance agency website or creates a new blog post, a link to the new content is sent to the organization's compliance department. (
  • In most cases, the employer helps pay for that insurance. (
  • When an employer pays all of an employee's health insurance premium, as many now do, the employee in effect gets more insurance for the same money than if he or she paid the premium, since none of the premium cost is taxable as income to the employee. (
  • That's true whether you get insurance through your employer or buy it on your own. (
  • First, see if your employer -- or your partner's employer -- offers health insurance. (
  • Patients should check with their insurance provider for details on whether there is any cost to them for this vaccine. (
  • Insurance is adjusted to reflect the cost of replacement, usually upon application of an inflation factor or a cost index. (
  • RAND's health insurance research began in 1971 with the 15-year Health Insurance Experiment, the only community-based experimental study of how cost-sharing arrangements affect people's use of health services, their quality of care, and their health status. (
  • Insurance may be expensive, but not having it might cost way more. (
  • How much should my car insurance cost? (
  • The cost of medical care will continue to rise and, as a result, the cost of insurance - which increasingly finances medical care in this country - will also increase. (
  • The only solution for consumers who want to pay less for health insurance is to assume more of the cost - and more of the risk - themselves. (
  • Some economists now argue that consumers should pay more out of their own pockets, not only to lower the cost of insurance but because, it is argued, insurance itself is one of the culprits behind rising health care costs. (
  • The high cost of care," he wrote, "induce families to buy more complete insurance, and the growth of insurance induces the hospital to produce more expensive care. (
  • But is there any USED cars that can match this insurance cost but isn't any older than 5 years? (
  • NOTE: The VW Up is in insurance group 1 How much would it cost to be put onto someone else's insurance? (
  • This article explores value-based insurance design (V-BID), which acknowledges the importance of cost-sharing, but aligns patient contributions with the intervention's potential for clinical benefit. (
  • We understand the challenges insurance service providers face in overcoming issues such as rising fraudulent claim volumes which cost billions every year. (
  • In an excellent globe medical insurance is free of cost. (
  • The Mission of the Bowling Green State University Student Insurance Office is to support and empower students in an inclusive environment to become knowledgeable health care consumers, assist them as they navigate through the health insurance process while achieving their academic goals, and provide a student insurance product at the highest possible benefit level and lowest possible cost. (
  • Insurance agents and brokers are now required to provide specific home characteristics and cost details related to insurance to value when dealing with consumers. (
  • The idea behind insurance is simple: Medical care can be expensive. (
  • For example, medical insurance may cover the insured in the U.S. and Canada, but not in Europe. (
  • Health insurance helps protect you from high medical care costs. (
  • Medical insurance is an insurance against loss by bodily injury or illness. (
  • A pre-existing condition is a medical condition that existed before you obtained health insurance. (
  • The rationale for pre-existing condition exclusions is that medical insurance works the same way other insurances do: that insurance covers fortuitous occurrences, nor ones that are planned, intentional, or predictable. (
  • According to this view, the advantage of insurance - that is shields the patient from disastrously high medical costs - is also something of a drawback because insurance also give the illusion that medical are is free. (
  • Since 1950, the percentage of medical expenses paid by insurance programs has grown dramatically in the United States. (
  • Is they liberal comparison of medical insurance to car insurance flawed? (
  • Urgent question about medical insurance for college students! (
  • Additionally, folks have to compromise something in order to obtain something else, such as a medical insurance service. (
  • It is usually the case that whatever standard health insurance you have will only pay claims for medical care in your country of residence. (
  • All domestic students taking 8 or more credit hours on main campus will need to complete the health insurance requirement each academic year. (
  • Correspondence, Online, and Distance Learning Classes are not considered to be 'on main campus' for the health insurance requirement purpose. (
  • The Oracle Core Insurance System enables healthcare payers to transform operations to increase automation, improve market response, and create a competitive advantage by leveraging a modern, rule-based digital insurance platform for health insurance. (
  • It supports the entire lifecycle-from selling insurance products and connecting banks with insurance carriers to managing back-end processes. (
  • From quote approvals to processing claims and everything in between, Adobe Document Cloud helps insurance carriers and agencies digitize daily workflows for greater productivity and efficiency. (
  • Optimal Unemployment Insurance ," Upjohn Working Papers and Journal Articles 95-35, W.E. Upjohn Institute for Employment Research. (
  • The Optimal Payment of Unemployment Insurance Benefits over Time ," Journal of Political Economy , University of Chicago Press, vol. 87(6), pages 1347-1362, December. (
  • The Optimal Payment of Unemployment Insurance Benefits over Time ," Cowles Foundation Discussion Papers 503, Cowles Foundation for Research in Economics, Yale University. (
  • Unemployment Insurance (UI) is a joint state-federal program that provides temporary financial assistance to qualifying unemployed workers while they seek work. (
  • Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. (
  • Insurance policies can serve many purposes. (
  • Currently, State law regulates the terms and conditions of insurance policies. (
  • Insurance rates for most personal and commercial insurance policies are down and if your not seeing that maybe you should give us a call. (
  • Hi I live in Chicago and was trying to find a better auto insurance one who could handle claims quickly has anyone ever had auto insurance with Lincoln Auto Insurance I was wondering how they handle claims. (
  • Find health insurance options in your state. (
  • Find out if you can get your insurance premium waived or receive your benefits early in certain situations. (
  • Find out more about Cannabis and Insurance. (
  • Find out if Long Term Care insurance is something for you. (
  • That's why we created a back-to-basics video walking through some basic insurance terms. (
  • Lloyd's Coffee House was the first organized market for marine insurance. (
  • There is growing interest in a "public option" for individual market insurance to improve affordability and enrollment. (
  • Meet the challenge of the significant changes in the insurance market by delivering automation, simplification and real-time processing. (
  • This is partly due to excess capacity in the insurance market. (
  • Yet FPK is "in no doubt that a deep and active market in insurance-risk securities will ultimately develop. (
  • Even so, for the time being financial insurance accounts for only a tiny portion of the commercial insurance market. (
  • Medicare is the federal health insurance program for people age 65 or older, people under age 65 with disabilities and people with End-Stage Renal Disease (ESRD). (
  • People who have insurance through their workplace or are on Medicare , which includes the majority of residents, won't be affected by the new options and rates. (
  • People who don't have insurance have to pay penalties that get more expensive each year. (
  • COBRA is designed to protect people from suddenly losing their health insurance. (
  • This is the way most people in the United States get their health insurance. (
  • Buying health insurance on your own might be a more expensive option than sharing risk with a larger group of people (such as other students, employees, etc. (
  • This option allows people who need to buy health insurance on their own to choose the best insurance to meet their needs. (
  • People with HIV cannot be denied or charged more for health insurance. (
  • The percentage of people without health insurance declined and the real median household income rose. (
  • Tens of thousands of people across the country are losing insurance benefits or electing not to participate at a time when many individuals need it most,' said Mary Boysman, Vice President, Brand Marketing and Advertising, Aspen Dental Management, Inc. 'Many of those people live in communities where Aspen Dental offices are located. (
  • Insurance isn't fun or exciting, it can even be confusing, and overall people just don't want to deal with it. (
  • If you have a (part-time) job or paid internship in the Netherlands with which you earn more than 150 euro per month, you need to take out a basic healthcare insurance (basiszorgverzekering). (
  • BGSU Student Health Insurance is provided by United Healthcare Student Resources. (
  • For many tourists, getting traveling insurance is truly a necessity especially for those who have actually had negative experiences. (
  • Deliver insurance solutions and digital customer experiences that build your customers' confidence and keep them loyal. (
  • Unify insurance experiences. (
  • Digitize insurance document processes to deliver better experiences. (
  • Customers expect unique experiences across channels and devices, and insurance leaders recognize the opportunity. (
  • Dental hygiene is very important and depending on what you need taken care of - you may want to purchase some outside dental insurance. (
  • Insurance business has emerged as one of the prominent financial services during recent times, particularly in developing countries where it could not grow before globalization. (
  • Is your legacy insurance management system an obstacle to business growth? (
  • A range of solutions on both the supply and demand side are needed so that women can take better advantage of risk management solutions, including business insurance for women-led enterprises. (
  • Wang Guojun, an insurance professor at the University of International Business and Economics in Beijing, said the competitiveness of each subsidiary largely depends on the brand name PICC and its marketing network, as well as the customer base. (
  • Rest assured: Adobe Sign speeds up your insurance business. (
  • It's not your father's insurance business any longer. (
  • Our workflow automation solutions for insurance are designed for specific processes such as claims processing, case management and more. (
  • We have powerful insurance CRM solutions that you can count on. (
  • Salesforce offers insurance CRM solutions that give reps, agents, and customers the right information, when and where they need it. (
  • Last month it launched a new division, ACE Financial Solutions International, which specialises in "non-traditional" insurance. (
  • All of that may change if there occurs greater Federal involvement in the regulation of health insurance, but the odds are that new laws will apply only upon the expiration of existing insurance contracts and for the issuance of new contracts after such laws are implemented. (
  • Whether you're out sailing, going fishing or taking the kids tubing, protect your boat from stern to bow with boat insurance from MetLife Auto & Home. (
  • Additionally, homeowner's insurance provides financial protection against disasters. (
  • Insurance Technologies Corporation (ITC), a leading provider of marketing, rating and management software and services, announced today the addition of compliance auditing to Insurance Website Builder for MGAs, aggregators and agency clusters. (
  • In addition, new insurance aggregators are increasing competition and price pressure. (
  • Upon registration with OGS, all J-1 exchange visitors must verify that they (and any J-2 dependents) will be in compliance with the health insurance requirements for the duration of their program. (
  • Failure to maintain adequate health insurance at any time during your J-1 program will jeopardize your J-1 status and could result in termination of your status. (
  • Consumers paid 68 per cent of their health bill directly in 1950, with private insurance paying 8.5 per cent and public program paying 20.2 per cent, according to figures compiled by the Congressional Budget Office. (
  • The State Office of Risk and Insurance Management administer the motor vehicle liability program. (
  • First, insurance considerations suggest that the potential duration of UI benefits would be unlimited under an optimal program. (
  • C S Rao, chairman (IRDA)Insurance premium income has risen to Rs 82,415 crore in 2003-04, against45,000 crore in 2000-01. (
  • What is a health insurance premium? (
  • Evidence shows that caps on non-economic damages reduce the average size of malpractice awards by 20 to 30 percent and have a modest impact on malpractice insurance premium growth. (
  • A premium is the amount you pay each month to have insurance. (