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)

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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, ...
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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.
This book seeks to examine the main principles of professional liability in Malaysia with emphasis on the liabilities in tort and equity, in addition to the obligations under contract and written law. While specific chapters are devoted to the law as is applicable to surveyors, construction professionals (exemplified b
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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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 .... ...
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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.
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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
Progressive assumes no responsibility for the content material or operation of the insurers web sites. Information supplied by an applicant or insured to a Business Owners, General Liability, Professional Liability or Workers Compensation insurer is topic to its phrases of use and privateness policy, and could also be shared with us. Prices, coverages, privacy policies and compensation rates could vary among the many insurers. Progressive Home Advantage® insurance policies are placed via Progressive Advantage Agency, Inc. with insurers affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for the claims on its policies and pays PAA for insurance policies offered. Prices, coverages and privateness policies vary amongst these insurers, who may share details about you with us. PAAs compensation from these insurers might vary between the insurers and based on the coverage you purchase, sales volume and/or profitability of policies offered.. Our autos also ...
All Curi recommendations are based on current CDC criteria at the time of publication. CDC guidance for SARS-CoV-2 infection may, or may not, be adopted by state and local health departments to respond to rapidly changing local circumstances. Providers should always check with their local health department to see if the CDCs guidance on any given topic has been modified (particularly if more restrictive) from the CDCs recommended guidelines. Follow this link for contact information to your state/local health department. If local recommendations vary from those of the CDC, and you are unsure what recommendations to follow, then it is safer to follow the more restrictive guidelines/recommendations ...
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This annual study details the growth of integrated self-insurance strategies and highlights the challenges faced by systems as they pursue cost of risk savings.
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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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Anti-wear additives to extend pump life Derived from renewable resource Does not propagate a flame High viscosity index Insurance fire protection approval Maintains clean running systems Readily biodegradable, OECD-301 Thermal stability Industries… View Article ...
Have you ever had that nagging feeling that your insurer might, just might, find a reason not to pay out on a claim?. We all deal with different kinds of insurance; house, contents, life, health, travel, mortgage, income protection, professional liability, public liability, earthquake, builders risk, and, if you want to believe, some foreign providers even offer a policy protecting against alien abductions.. No doubt you read your insurance policies in detail and are aware of the circumstances in which your claim can be refused (for example if you snow-ski overseas, injuries that occur while off-piste are typically excluded from travel insurance).. Duty of disclosure. In New Zealand the insurer has a right to refuse a claim if you, the insured party, failed to disclose something that may have influenced their decision as a prudent insurer to offer you insurance in the first place. This is known as your duty of disclosure. You are obliged to update your insurer with relevant information every ...
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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 ...
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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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How the insurance industry has haplessly abetted the rise of a government-run health care system ... The chief health insurance lobbying group, Americas Health Insurance Plans, opposes even this half-hearted repeal of the ... The Tragedy of Health Insurance. How the insurance industry has haplessly abetted the rise of a government-run health care ... insurance company premiums, earnings, and equity share prices. Insurance premium prices annually grew 1.5 to 2 percent faster ...
  • Whether you're looking for cheap car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all! (
  • To calculate average expenditures, the National Association of Insurance Commissioners (NAIC) assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. (
  • The average full-coverage insurance cost for medium sedans was $1,403, compared with $1,296 for a medium SUV. (
  • AAA insurance cost estimates are based on a full coverage policy for a driver who is under 65 years of age, has more than six years of driving experience, has had no accidents, and lives in a suburban/urban location. (
  • 79 percent of insured drivers purchase comprehensive coverage in addition to liability insurance, and 75 percent buy collision coverage, based on a Triple-I analysis of 2019 NAIC data. (
  • If you're facing a gap in health insurance, the Short Term Medical Plan provides temporary, affordable coverage that gives you peace of mind. (
  • The Affordable Care Act expands health insurance coverage for many people in the U.S. (
  • The person with dementia may have Medicare, private insurance, a group employee plan or retiree health coverage to help pay for care. (
  • Medigap insurance supplements the person's Medicare coverage. (
  • Once an individual is diagnosed with Alzheimer's, he or she will not be able to apply for long-term care insurance coverage. (
  • She covers home, car and life insurance products for Bankrate, The Simple Dollar and among others. (
  • The Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a federal law that generally prevents group health plans and health insurance issuers that provide mental health and substance use disorder (MH/SUD) benefits from imposing less favorable benefit limitations on those benefits than on medical/surgical coverage. (
  • UMass Chan Dental insurance coverage is eligible through COBRA. (
  • Even with Medicare A and B there are still "gaps" in coverage: for example, there is a 20% co-insurance fee for Part B services, and neither A nor B offer drug coverage. (
  • If a person does not have coverage through Medicare, Medicaid, or a private insurance company, hospice will work with the family to make sure needed services are provided. (
  • Market Share Reports, Consumer Complaint Study,Residential and Commercial Earthquake Insurance Coverage Study, Annual Report of the Commissioner, and More. (
  • Review all your auto insurance coverage options. (
  • If you're hurt in an accident caused by a driver who doesn't have insurance or enough insurance, this coverage can help with the cost of your injuries. (
  • Different than the required liability coverage, insurance companies are often required to offer you uninsured/underinsured coverage, but in many states, you have an option to reject it. (
  • This coverage not only helps protect you if you're in an accident, you'll also avoid fines for driving without insurance. (
  • The more affordable car insurance coverage options you have available to you, the better your chances are for customization that fits your lifestyle and cost expectations. (
  • If you've had coverage with another auto insurance provider for more than six months, you can receive this discount when you transfer to Dairyland. (
  • Force-placed insurance, also known as "lender-placed" insurance, is an insurance policy placed by a bank or mortgage servicer (i.e., lender) on a property when the borrower has failed to maintain sufficient hazard insurance or has otherwise allowed insurance coverage to lapse. (
  • The written notice must include (1) clear and conspicuous directions on how the borrower may prove he or she has the required insurance coverage and (2) the process by which the servicer will terminate force-placed coverage and refund any applicable premiums and related fees. (
  • Connecticut also (1) prohibits a mortgage servicer from force-placing insurance in excess of the replacement cost and (2) requires a mortgage servicer to refund unearned premiums for the force-placed insurance for any time the borrower retains appropriate coverage. (
  • Once insured, Chubb can provide Travel Insurance Certificate for Visa Letter, a proof of travel insurance coverage for COVID-19. (
  • If you purchased coverage through the federally facilitated Marketplace and you set-up a account, you can get a copy of Form 1095-A, Health Insurance Marketplace Statement online from your account. (
  • Our content is backed by, LLC, a licensed insurance producer (NPN: 19966249). (
  • may not offer insurance coverage in all states or scenarios. (
  • All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. (
  • Under Utah's no-fault car insurance system, a claim under your own insurance coverage may be your only option after a car accident, unless your injuries meet the statutory threshold for filing a lawsuit against the at-fault driver. (
  • Utah law requires vehicle owners to maintain certain minimum levels of car insurance coverage on any vehicle registered and operated in the state. (
  • Read on to learn more about Utah's no-fault car insurance system, the minimum car insurance coverage requirements in the state, and more. (
  • Under no-fault, after a car accident, your own car insurance coverage (in Utah, that means your "personal injury protection" coverage) pays for medical treatment and other out-of-pocket losses incurred by anyone covered under the policy, up to coverage limits, regardless of who caused the accident. (
  • Now that you understand how no-fault car insurance works in Utah, let's look at the state's requirements for different kinds of car insurance coverage. (
  • Keep in mind that, if you are found responsible for causing a car accident, and the injured drivers' and/or passengers' losses exceed the limits of your car insurance policy (which is not all that far-fetched a possibility if you've only met Utah's minimum coverage requirements), you may find yourself personally responsible for making up the difference out of your own assets. (
  • The Department of Veterans Affairs (VA) has selected Delta Dental of California and MetLife to once again offer private insurance coverage for the VA Dental Insurance Program (VADIP). (
  • VADIP offers eligible individuals the opportunity to purchase discounted dental insurance coverage that includes diagnostic services, preventive services, endodontic and other restorative services, surgical services and emergency services. (
  • Each individual covered by the dental insurance plan will pay the entire premium for coverage under the dental insurance plan, in addition to the full cost of any copays. (
  • The Children's Health Insurance Program, or CHIP, is government insurance that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. (
  • If your health insurance coverage is not adequate, consider buying a short-term supplemental policy. (
  • Your insurance policy is the legal contract that contains the terms and limitations of your coverage. (
  • Travelers car insurance is a good option for individuals and families looking for auto coverage with multiple discount opportunities and low starting rates. (
  • However, because Travelers requires extra fees for add-ons like rental car coverage and roadside assistance, it might not be the best option for those who need an all-inclusive insurance policy. (
  • Does CHILD's father now have any kind of health insurance coverage through an insurance company, like Blue Cross or Prudential, or through an HMO? (
  • Does anyone else who lives here and is related to (CHILD) have any health insurance coverage through an insurance company, like Blue Cross or Prudential, or through an HMO? (
  • 9 320 3.9% (miss) ------ ----- ----- TOTALS: 8,285 100.0% 100.0% Child does not have any kind of health insurance coverage through an insurance company. (
  • 9 361 4.4% (miss) ------ ----- ----- TOTALS: 8,285 100.0% 100.0% Child has health insurance coverage through an insurance company. (
  • Does (CHILD) have any medical bills paid through group coverage with Blue Cross/Blue Shield or any other insurance company? (
  • By group coverage we mean insurance where the premiums are paid through a job, union or school. (
  • Health insurance marketplace plans have comprehensive coverage, including essential health benefits. (
  • Our industry experts provide insurance coverage, services and solutions tailored to meet your specific needs. (
  • Cigna chief executive David Cordani told attendees at 2020 Forbes Healthcare Summit earlier this month that Cigna is focused on "whole person health" and he has been working to integrate the company's medical insurance, pharmacy benefits and mental health coverage into a more seamless operation for consumers and patients. (
  • The result is that insurance premiums rise, and many Americans cannot afford the coverage they need. (
  • Students who already have comparable insurance coverage may apply for a waiver to be evaluated by AHP. (
  • In March 2022, WHO, World Bank and the Social Health Protection Network jointly facilitated a one-week training for Ethiopian Health Insurance Agency and Ministry of Health staff on the key concepts of health financing for universal health coverage. (
  • 1. Type of health care coverage: Medicare, Medicaid, military/CHAMPUS/CHAMP-VA, other public assistance, private insurance. (
  • 2. Private insurance characteristics reported by the respondent: HMO status, choice of doctor, source of coverage, existence of employer subsidies for premiums. (
  • The common man without insurance coverage finds it very difficult to afford the high cost of healthcare.The doctor's approach towards the insured patient changes automatically and he quickly responds in a different way.Millions of people fearing such a type of approach by the doctors and the heavy bills of hospitals have ended up taking the insurance coverage. (
  • Rising above commercial considerations, doctors should be more cautious and judicious in managing patients irrespective of their insurance coverage. (
  • National Health Insurance Scheme (NHIS) was implemented in Ghana in 2004 to serve as the lifeline to realizing Universal Health Coverage (UHC). (
  • Payments made by individuals to obtain and maintain insurance coverage. (
  • The NAIC notes that three variables-urban population, miles driven per number of highway miles, and disposable income per capita-are correlated with the state auto insurance premiums. (
  • Under federal law, the bank or mortgage servicer may obtain insurance for the property and require the homeowner to pay the insurance premiums. (
  • There have been several cases against lenders for issues dealing with force-placed insurance, including cases involving accusations of inappropriately high premiums and kickbacks from insurance providers. (
  • Among other things, Form 1095-A reports the total monthly health insurance premiums paid to the insurance company you selected through the Marketplace. (
  • For many people, the case was a particularly galling example of Ireland's "compo culture", an epidemic of dubious compensation claims, extravagant awards and soaring insurance premiums that is blighting small business, forcing drivers off the road and stifling public activities, including local festivals. (
  • They blame Ireland's insurance companies, which they accuse of exaggerating the problem to cover for premiums and profits that are increasing out of proportion to any rise in payouts. (
  • NFIP should also not rescue or underwrite insurance for luxury or vacation homes, while premiums should be raised to reflect rising risks. (
  • We use financial data reported by insurance companies to the National Association of Insurance Commissioners and compiled by Mark Farrah Associates to look at the average premiums, claims, medical loss ratios, gross margins, and enrollee utilization from 2011 through 2017 in the individual insurance market. (
  • Acceptance gets harder as you age because a life insurance company looks at health conditions and other indicators you may not pay premiums for as long as it would like. (
  • The private health insurance rebate is an amount the government contributes towards the cost of your private health insurance premiums. (
  • If your private health insurance premiums for the current year were paid in a previous financial year (that is, prepaid), you can't claim a rebate for that in the current financial year. (
  • The private health insurance rebate is an income tested amount the government contributes towards the cost of your private health insurance premiums. (
  • Similarly, if a bunch of people buy expensive health insurance plans, then I suppose that will cause "insurance premiums" to "rise", since the people with expensive health care plans will be paying higher premiums. (
  • The Department of Veterans Affairs Dental Insurance Reauthorization Act of 2016 had extended VADIP until December 31, 2021. (
  • According to a media release, the investigation began in January 2021 after the Iowa Insurance Division's Fraud Bureau received information showing Simmons had provided false information to an insurer after a crash in Scott County. (
  • Be sure to attend our Medicare 2023 presentation to learn the latest about Medicare and related health insurance, on Friday, December 2 from 2:00 - 3:30. (
  • Cite this: Surgeons, Intensivists Earn More Than Do Colleagues From Private Insurance - Medscape - Apr 19, 2023. (
  • Social network analysis capabilities that search for hidden connections across the company's insurance claims database. (
  • The countrywide average auto insurance expenditure rose 1.0 percent to $1,070.47 in 2019 from $1,059.41 in 2018 according to the National Association of Insurance Commissioners. (
  • The tables below show estimated average expenditures for private passenger automobile insurance by state from 2015 to 2019 and provide approximate measures of the relative cost of automobile insurance to consumers in each state. (
  • This helps you find the coverages you want at the prices you want to pay-and helps inform you about car insurance requirements. (
  • To help ensure your safety and protection on the road, every state in the country [except for New Hampshire] has a minimum limit requirement for insurance coverages. (
  • Being an appraiser is an art in itself, and Higginbotham has crafted specific coverages to meet the insurance needs of appraisers. (
  • An Auto Insurance Policy Declarations summarizes your policy and the coverages, limits and deductibles you've chosen to purchase. (
  • Travelers Insurance sells car, boat and property protection policies, as well as other coverages. (
  • Named one of America's Best Insurance Companies for 2022 by Forbes . (
  • For more about Forbes 2022 America's Best Insurance Companies and how the list was compiled, please visit Forbes online . (
  • UnitedHealthcare, the country's largest health insurance company, offers marketplace plans in 11 states and hopes to expand into other states in 2022. (
  • UnitedHealthcare has filed and is awaiting approval from regulators to participate on the health insurance exchanges in Alabama, Florida, Georgia, Illinois, Louisiana, Michigan, and Texas for plan year 2022, expanding its footprint to 18 states offering exchange plans," says Christina Witz, a spokesperson for UnitedHealthcare. (
  • Beginning August 1, 2022, the student health insurance plan will be provided by Aetna. (
  • The waiver application and insurance activation period runs from May 16, 2022 - September 12, 2022. (
  • Students who do not waive or activate their Aetna student health insurance plan by September 12, 2022 will automatically be enrolled in the Aetna plan in mid-September. (
  • We partner with insurance companies, consumers, and law enforcement to combat and prevent insurance crime. (
  • The Emergency Adjuster Application is now available for Florida-licensed insurance companies and independent adjusting firms through their Appointing Entity MyProfile account. (
  • NIPR offers several products and services to assist insurance companies and state insurance departments with the monitoring and/or regulation of insurance professionals. (
  • How does one of Turkey's leading insurance companies achieve a 66% increase in its fraud detection rate? (
  • A complete, modern, bancassurance platform enables banks and insurance companies to offer insurance products and benefits to the bank's customers. (
  • The Insurance Institute for Highway Safety ( IIHS ) is a U.S. nonprofit organization funded by auto insurance companies , established in 1959 and headquartered in Arlington, Virginia . (
  • See how Acrobat Sign Solutions saves insurance companies millions. (
  • Nevertheless, insurance companies have been reluctant to cover driverless vehicles so far. (
  • Mailing lists for active individuals, agencies, and insurance companies and order forms. (
  • Do you know the factors insurance companies use when determining your car insurance costs? (
  • We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. (
  • It may be provided through a government-sponsored social insurance program or from private insurance companies. (
  • Insurance companies complain that Irish courts pay out much more than their Western peers for short-term, soft-tissue injuries like whiplash. (
  • Earlier this year a parliamentary committee revealed that the insurance companies, while claiming that 20% of all claims are fraudulent, had only referred 19 cases to police in a recent six-month period. (
  • Medical evacuation insurance may also evacuate people with certain infectious diseases whereas other evacuation companies may not have that capacity. (
  • If you've been injured in an accident that could lead to your filing an injury claim, you're likely to hear from one or more insurance companies-your own or another party's insurer, like the other driver's car insurer in a car accident case or the insurer of the property owner in a slip and fall case . (
  • Travelers Insurance is owned by The Travelers Companies (previously known as Citigroup). (
  • Cigna completed the sale of its group life and disability insurance unit to New York Life Insurance for $6.3 billion in a move to focus on its healthcare businesses, the companies announced Thursday. (
  • The acquisition of Cigna's group life, accident, and disability insurance business, first announced a year ago , adds about 3,000 employees and more than nine million customers to New York Life's "portfolio of strategic businesses," the companies said. (
  • Cigna is in a race with rival health insurance companies like UnitedHealth Group, Anthem, Humana and CVS Health's Aetna health insurance business to grow its business administering health benefits for seniors as more flock to Medicare Advantage plans. (
  • Annuity FYI does not receive compensation from any of the insurance companies on this website. (
  • Added to that, insurance companies are considering the impact of social inflation on jury verdicts should a claim end up going to trial. (
  • The COB helps to organize things between the insurance companies to avoid multiple payments for the same claim. (
  • 1 A person was defined as uninsured if he or she did not have any private health insurance, Medicare, Medicaid, Children's Health Insurance Program (CHIP), state-sponsored or other government-sponsored health plan, or military plan. (
  • With just a few clicks you can access the GEICO Insurance Agency partner your boat insurance policy is with to find your policy service options and contact information. (
  • Need to make changes to your life insurance policy ? (
  • Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. (
  • Manage your American Modern Insurance Group ® policy online or speak to an agent for Assurant or American Modern Insurance Group ® . (
  • If your policy is with Jewelers Mutual Insurance Group, log in here . (
  • For all other policies, log in to your current Homeowners , Renters , or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. (
  • Your health insurance policy is an agreement between you and your insurance company. (
  • The insurance company agrees to cover the cost of certain benefits listed in your policy. (
  • Your policy also lists the kinds of services that are not covered by your insurance company. (
  • Many people in the United States get a health insurance policy through their employers. (
  • In Tuesday's State of the Union address President Barack Obama offered a policy fix for workers who lose their jobs and end up in worse-paying ones: wage insurance. (
  • By simply naming a charitable interest as the beneficiary of a new or existing life insurance policy, you may be able to make a larger gift than you may have ever thought possible. (
  • A. There are a number of ways to name a charity to receive all or part of a life insurance policy you already own. (
  • You choose to make an immediate gift of a life insurance policy by making a charity the irrevocable owner and beneficiary of a policy. (
  • Another way to give using life insurance is to purchase a policy to replace other assets given to charity. (
  • For example, if you make a significant charitable gift of cash or other property, you might utilize the tax savings to purchase a life insurance policy to benefit your heirs at death. (
  • The amount you gave to charity may thus be replaced by the amount received by your heirs from the life insurance policy. (
  • Tax savings-Significant income, estate, and gift tax savings may be available by effectively planning your gift of a new or existing life insurance policy. (
  • Privacy-Unlike a bequest in your will, a life insurance policy gift is not a matter of public record. (
  • Avoiding probate-Your life insurance gift can be put to work faster because the charitable recipient receives the proceeds of the policy immediately, without having to wait for the estate to be settled. (
  • The new driverless policy has additional features over a standard car insurance policy. (
  • Proof includes any reasonable form of written confirmation, including a policy number and identity of the insurance company or agent. (
  • Eliminate time-consuming, error-prone manual processing of documents for policy opening, claims management and other vital insurance tasks. (
  • With a life insurance policy, you're prepared for the worst but can plan for the best. (
  • Which life insurance policy is right for me? (
  • Whether you're single, married with kids, approaching retirement, or anywhere in between, an active term life insurance policy protects whoever might be left with a financial burden. (
  • Permanent life insurance is a policy that lasts from the time you buy it until the time you pass away-assuming all ongoing payments are made. (
  • There are a few different permanent life insurance policy options. (
  • The information on this site does not modify any insurance policy terms in any way. (
  • Having a life insurance policy is a smart move if you have a spouse, partner, relative or dependents who rely on your income for financial support. (
  • After deciding how much life insurance you need, it's time to shop around for a policy. (
  • These new data from 2017 offer further evidence that insurers in the individual market are regaining profitability, even as political and policy uncertainty , repeal of the individual mandate penalty as part of tax reform legislation, and proposed regulations to expand loosely-regulated short-term insurance plans cloud expectations for the future. (
  • Depending on the policy, trip cancellation insurance might not cover any medical care you need overseas, so you may need a separate travel health insurance policy. (
  • This can be bought separately or as part of your travel health insurance policy. (
  • When it comes to negotiating with your own insurance company , you may be obligated by the rules of your policy to give your own insurance adjuster information about the accident. (
  • Our goal is to help readers with more limited options find a life insurance policy that makes sense. (
  • Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy. (
  • Many factors go into the cost of your auto insurance policy , including how you purchase the policy: online, through a call center, or with an agent. (
  • This policy provides disability income insurance only. (
  • If your private health insurance policy doesn't provide an appropriate level of private patient hospital cover, and your income for MLS purposes is above a certain threshold, you may have to pay the MLS. (
  • We're closely involved with the broader marine industry and typical of our approach to insurance, we look to tailor a policy with you and your needs in mind. (
  • Even in the 0.0000000000001% chance that the Loch Ness monster is real and actually strikes a Jacobite cruise ship, would an insurance policy be necessary? (
  • If the Loch Ness monster indeed struck a ship, one argument is that it would be such an unpredictable natural event that the act of God defense would probably be just as effective as a large insurance policy. (
  • Any financial contribution made by the insured person towards the cost of the healthcare service, as defined by their health insurance policy. (
  • As part of its pandemic policy response, the U.S. government implemented the largest increase in unemployment insurance (UI) benefits in history. (
  • Best insurance company of all time. (
  • It is a contract between you and your insurance company. (
  • If you don't have an escrow account, you'll pay your insurance company directly. (
  • Start by contacting your insurance company. (
  • Through a CDS, a buyer can reduce the risk of their investment by shifting all or a portion of that risk onto an insurance company, or other CDS seller, in exchange for a periodic fee. (
  • Insurance technology company Benefytt used e-signatures with Acrobat Sign simplify enrollment and to process 350,000 forms last year. (
  • A rebranding campaign, from a typical insurance company, to a "Vorsicherung" (preventive medicine, and activities) was launched. (
  • The British insurance company Adrian Flux has just jumped in and is now ordering policies to cover driverless vehicles. (
  • The company evidently expects cars equipped with self-driving features to be involved in fewer accidents, so insurance rates will be correspondingly lower. (
  • This virtual viewing room allows you to see insurance company rate filings, examination reports, and related information. (
  • 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. (
  • Permanent life insurance also accumulates cash value that in some cases can be used to increase the death benefit amount but typically reverts back to the insurance company after your death. (
  • When talking with the other party's insurance company after an accident, be polite but say little. (
  • Before you discuss anything, get the insurance adjuster's name, address, and telephone number, the name of the insurance company, and the person or business the company represents. (
  • Keep in mind that most personal injury cases settle , so sooner or later you'll be at the negotiating table with the insurance company. (
  • Note that this discussion applies to contact with another person's insurance company. (
  • If an adjuster asks about witnesses and you know of some, respond that there "may be" witnesses and that you will let the insurance company know "at the appropriate time. (
  • Guardian's Group Long Term and Short Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. (
  • A few years ago, UnitedHealthcare, the largest health insurance company in the U.S., pulled back from providing Obamacare health plans on the Affordable Care Act (ACA) health insurance marketplace, otherwise known as the exchange. (
  • 55 percent market share and a total portfolio of EUR 29.9 billion: ACREDIA is Austria's leading credit insurance company and protects receivables at home and abroad. (
  • A cruise company that tours the world-famous loch purchased £1 million in Loch Ness monster insurance , The Scottish Sun reports. (
  • Jacobite Cruises, which carries more than 100,000 sightseers on the world-famous loch every year, struck the deal with local insurance company Towergate Moray Firth last week -- the 80th anniversary of the first Nessie spotting, The Sun reports. (
  • ING Life Insurance and Annuity Company introduced roundtable discussions for their mid market consultants and advisors, according to a company press release via PR Newswire. (
  • Fidelity Investment Life Insurance Company and its subsidiary, Empire Fidelity Investments Life Insurance Company have maintained their A+ financial strength rating with A.M. Best. (
  • Our employees who sell annuities are "dual" employees of both the bank and our affiliated insurance company. (
  • The bank provides a physical place for these sales to take place, but the insurance company, not the bank receives fee income from the sale. (
  • As an insurance employee, our investment people give all the appropriate disclosures required, but these are furnished by the company underwriting the annuity, like GE Capital. (
  • These folks are actually employees of the insurance company: not the bank. (
  • In fact, some sales are done though a non-affiliated investment company, and these same employees are considered to be employees of that company when they speak with customers or make insurance or annuity sales. (
  • The insurer provides traditional insurance over the captive retention and issues policies in the jurisdictions where the parent company operates. (
  • Rather than swapping dollars with an insurance company, you're retaining the working layer of losses yourself," Bergbauer said. (
  • Process used to have insurance payments sent directly from the insurance company to the healthcare provider. (
  • Capitation means the insurance company has prepaid a healthcare provider (such as a lab or radiology site) a fixed amount per patient to perform the services. (
  • The amount your provider billed your insurance company for the service. (
  • The number that identifies the claim that either you or your health provider submitted to the insurance company. (
  • The annual amount the insured person must pay for healthcare expenses before the insurance company begins to pay for covered medical services. (
  • Thus, this quantitative approach of the case study aimed to identify the level of satisfaction of users linked to a self-management health insurance company regarding the dental care received. (
  • Based on our deep knowledge of the insurance industry and a close study of your company's unique challenges, we can tailor our solutions to address your needs from agency offices to headquarters and the back office. (
  • You can get instant online quotes and read about its insurance offerings on the company's website. (
  • All of our content is written and reviewed by industry professionals and insurance experts. (
  • Concerns about the stability of the individual insurance market under the Affordable Care Act (ACA) have been raised in the past year following exits of several insurers from the exchange markets for 2017, and again last year during the debate over repeal of the health law. (
  • Health Insurance Marketplace® is a registered trademark of the Department of Health and Human Services. (
  • You should also compare your plan with those offered through the Health Insurance Marketplace. (
  • The Health Insurance Marketplace is a service that helps you shop for and compare health insurance plans. (
  • If you buy a plan through the Health Insurance Marketplace, your insurance will cover the preventive services. (
  • What Is the Insurance Marketplace? (
  • 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. (
  • UnitedHealthcare is now offering more health care insurance plans available on the ACA health insurance marketplace. (
  • Also, and most importantly, UnitedHealthcare is a trusted name in the health insurance marketplace among both health care members and health care providers," Bartleson adds. (
  • What do UnitedHealthcare health insurance marketplace plans cover? (
  • Call 800.TEL.NICB to report insurance fraud or submit an anonymous tip online. (
  • As a former claims handler and fraud investigator, he's seen a lot, and enjoys helping others navigate the complexities and opaqueness of insurance. (
  • Why SAS ® for insurance fraud? (
  • Find insurance fraud faster - and stop it sooner - while reducing false positives and improving investigation efficiency. (
  • Join our many satisfied insurance fraud customers across the globe who have found additional fraud, achieved rapid ROI and improved the efficiency of the whole fraud process. (
  • Little has yet been done, however, to remedy a dearth of investigations for insurance fraud. (
  • Home insurance fraud can include exaggerated claims and vendors who overbill when rebuilding. (
  • We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products. (
  • DAVENPORT, Iowa (KWQC) - A Davenport man pleaded guilty Thursday to presenting false information, a Class D felony, after an investigation by the Iowa Insurance Division's Fraud Bureau. (
  • Why Do Life Insurance Claims Get Denied? (
  • 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. (
  • here ), force-placed insurance concerns regarding excess costs and claims of anti-competitive behavior have garnered increasing media and regulatory attention. (
  • It's important to note that Utah's no-fault car insurance system applies to injuries caused by car accidents, but not to vehicle damage claims . (
  • The report doesn't include data about reimbursement from Medicare and Medicaid, and its numbers assume that 50% of insurance claims are denied. (
  • Whatever the case, filing insurance claims with us online is easy with KBC Mobile and KBC Touch. (
  • If you already have an insurance plan and want to keep it, review your benefits to see which services are covered. (
  • In CA d/b/a Association Member Benefits & Insurance Agency. (
  • Medicare is a federal health insurance program generally for people age 65 or older who are receiving Social Security retirement benefits or who are younger than 65 and received Social Security disability benefits for at least 24 months. (
  • Adopt a comprehensive approach to managing your print infrastructure to lower output costs, eliminate waste and reap the benefits of best practices for insurance information management. (
  • Variable life insurance offers different investment options for cash value and flexibility in benefits. (
  • UnitedHealthcare ACA plans are private insurance plans that have a similar benefit structure to other ACA plans," explains John Bartleson, owner of Health Benefits Connect in Englewood, Colorado. (
  • Some insurance plans do not cover certain CPT codes or may have limited benefits for particular services. (
  • Life insurance is one of the cornerstones of financial planning. (
  • To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. (
  • But what about life insurance? (
  • Read on to discover how life insurance can help you make an efficient, easy-to-complete charitable gift. (
  • Q. Who should consider giving life insurance? (
  • If your children are grown and financially independent, you have adequate retirement savings, your home is paid for and you no longer anticipate payment of estate taxes, one or more of your life insurance policies may now be "obsolete. (
  • Q. How do I go about making a life insurance gift? (
  • Q. What if I still need the life insurance policies that I own? (
  • Amount of the gift-With a gift of life insurance, your favorite charitable interests may receive a larger contribution than would be possible if you gave other assets. (
  • The full amount-Because life insurance gifts are generally not subject to probate costs, your charitable beneficiary receives all the proceeds you designate. (
  • While different giving methods suit different personal circumstances, you may find that giving life insurance can complement your plans to provide for your own and your family's future financial security. (
  • Always check with your advisors for availability and the exact amount of tax deductions and the implications of other applicable state laws and regulations before you complete a gift of life insurance. (
  • Get a quick quote for term life insurance. (
  • What is life insurance? (
  • Life insurance is a way you can protect your family and loved ones, even after you pass away. (
  • Do I need life insurance? (
  • Just about everyone can benefit from some level of life insurance protection for their loved ones. (
  • You might be just starting out, raising a family, or preparing for your golden years-as long as you have loved ones you want to protect if you pass away, life insurance can help. (
  • What types of life insurance are there? (
  • Our LifeTrek tool can help identify the level of life insurance protection you need, taking into account your finances and unique goals. (
  • Why choose term life insurance? (
  • Term life insurance is perfect for anyone trying to save money today and keep their loved ones protected in the future. (
  • It's also significantly less expensive than permanent life insurance. (
  • Looking for permanent life insurance? (
  • Whole life insurance gives predictable lifelong protection with the most guarantees, like a fixed premium and death benefit. (
  • Universal life insurance provides flexible protection that can last your lifetime and includes some cash accumulation options. (
  • What factors shape my life insurance cost? (
  • What you pay for life insurance is affected by a lot of factors. (
  • She covers auto, homeowners, life insurance, and other topics in the personal finance industry. (
  • Should I Get Life Insurance? (
  • Life insurance can provide your loved ones with financial support after you die. (
  • But if you don't have enough assets to cover your debt or want to leave money to others if you pass away, you may want to get life insurance. (
  • Also, jot down the value of current life insurance policies and any other liquid after-tax assets your family will inherit. (
  • If you have $325,000 in liquid after-tax assets, you would need $1.63 million in life insurance. (
  • Life insurance is best purchased early. (
  • Ironically, the need for life insurance grows with age. (
  • Many retirees start thinking seriously about life insurance to pay for funerals, leaving existing belongings, and taking care of their family after they're gone. (
  • But options shrink, and rates may rise exponentially with some life insurance providers. (
  • Nevertheless, depending on your life insurance goals, you may still have great options. (
  • As your American Family Insurance agent, I can offer you dependable auto, home, business, health and life insurance, as well as other insurance products. (
  • Insurance regulators in the state of New York are holding four hearings to determine if they need to add more regulations for life insurance and annuity contract sales, as written by Jonathan D. Epstein of the Buffalo News. (
  • People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid . (
  • He has no insurance, but Medicaid is pending. (
  • Also: allowing people who buy health insurance for themselves to deduct the costs from their taxes would not do much for the people who need health insurance the most: low-income people who make enough not to qualify for Medicaid. (
  • or any other person only when the person sells, solicits, advertises, or offers an insurance product or annuity to a consumer at an office of the bank or on behalf of the bank. (
  • Homeowners insurance is required for everyone who has a mortgage. (
  • Mariah Posey is an auto and homeowners insurance writer and editor for (
  • Most homeowners don't have flood insurance. (
  • When you can't go to work, disability insurance goes to work for you. (
  • Social Security Disability Insurance (SSDI) provides workers younger than age 65 Social Security disability payments. (
  • Disability insurance provides employees with partial income if they become too sick or injured to work. (
  • But we believe disability insurance should go further than income protection, by helping to support the physical and mental well-being of employees, and helping them return to their best possible levels of health and productivity. (
  • Nearly 40 percent of full-time workers, or 50 million Americans, have no disability insurance at all. (
  • What's more, 8 in 10 people with no disability insurance said they have not yet fully recovered financially from their disability leave. (
  • In general, there are two types of disability insurance: Short-term disability insurance helps employees immediately after an event, while long-term disability typically starts after six months and can last years. (
  • Guardian believes that disability insurance should put people first, by managing the logistics of each claim quickly, efficiently, and with compassion. (
  • We provide cost-effective, streamlined and uniform licensing data and compliance services for insurance professionals. (
  • Most insurance plans will cover a set of preventive services. (
  • The digital bancassurance services provide banks with a single, secure touchpoint to exchange data with insurance carriers in real time and to manage customers' policies. (
  • Customer Centric Product Definition: IT-Innovation, software- and system-services for management and sales of Merkur insurance. (
  • Sports clubs and community groups aren't able to offer the same services they used to," says Peter Boland, director of the Alliance for Insurance Reform, a coalition of businesses, sporting bodies and NGO s. (
  • VA will be able to continue dental insurance services indefinitely. (
  • It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. (
  • Translation Services USA uses the following workflow for insurance transcription projects. (
  • After our sales representatives at Translation Services USA receive your insurance transcription request and uploaded file, they will review the audio and contact you if they have any questions about your order. (
  • Translation Services USA can offer a number additional services for your insurance transcription project. (
  • When requesting a insurance transcription quote, just mention any of these services that you require! (
  • Translation Services USA is a known leader in insurance transcription and can convert any audio or video file you need transcribed. (
  • It's easy to see why Translation Services USA is the number one choice for people needing to complete insurance transcription projects. (
  • Rest assured that when working with Translation Services USA, your insurance transcription project will be completed both quickly and accurately. (
  • Only Translation Services USA can ensure your completed insurance transcription is satisfactory because you can rely on your transcribers-they're the best in the business! (
  • FORTUNE and FORTUNE Media IP Limited are not affiliated with and do not endorse products or services of, ERIE Insurance. (
  • NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures . (
  • The exhilaration of the open water, crashing waves, and the foamy wake - we have a long history of providing marine and pleasure craft insurance services in Australia. (
  • Pleasure craft, cruising, racing and power boats - we provide specialised insurance services, with risk management as one of the key points of focus. (
  • It is best to verify certain CPT codes directly with your insurance plan before receiving services to make sure they are covered. (
  • Run by local district-level government with the guidance and financial support of the Ministry of Health and the Ethiopian Health Insurance Services, the CBHI scheme was first piloted in 13 woredas (districts) in 2010 and has since expanded to cover almost all the 832 woredas in the country. (
  • One of the ways we are doing this is by protecting our people from the financial consequences of paying for health services out of their own pockets through the community-based health insurance scheme, ensuring they access the services they need without being pushed into poverty," says Dr Muluken Argaw, the Deputy Director General of the Ethiopian Health Insurance Services. (
  • World Health Organization (WHO) has supported the Ministry of Health and Ethiopian Health Insurance Services through capacity building to ensure the successful implementation and continuity of CBHI. (
  • Being without health insurance for a lengthy period is associated with less access to preventive health-care services and decreased continuity of care for chronic conditions. (
  • guidelines , an insurer may not impose a charge, fee, or minimum premium related to force-placed insurance if the borrower provides proof of insurance within 45 days after the expiration of any previous insurance. (
  • In this brief, we look at recently-released annual financial data from 2017 to examine whether recent premium increases were sufficient to bring insurer performance back to pre-2014 levels, when new ACA insurance market rules took effect. (
  • These ideas are then applied to unemployment insurance, Social Security pensions, health insurance and Medicare. (
  • Optimal Unemployment Insurance When Income Effects are Large ," NBER Working Papers 10500, National Bureau of Economic Research, Inc. (
  • The Effect of Unemployment Insurance on Temporary Layoff Unemployment ," American Economic Review , American Economic Association, vol. 68(5), pages 834-846, December. (
  • Insurance through employers is often with a managed care plan. (
  • If you have questions about Medicare and which plan is the right fit for you, call the Department for the Aging's Health Insurance Information, Counseling, and Assistance Program (HIICAP) to speak with a trained expert. (
  • Guardian Supplemental Individual Disability Income insurance - Employers can offer as a voluntary benefit to keep costs down, as an employer-paid benefit, or a combination of both to complement a Group Long-Term Disability plan. (
  • Milliman Bungalow is a private flood insurance plan that includes advisory loss costs, risk classification rating factors, and rating rules. (
  • If I buy an expensive health insurance plan, then my premium goes up. (
  • The people most likely to go for such a plan would be people at a higher than average risk of getting sick, and if they leave "normal" insurance plans for "gold-plated" ones, the pool of individuals left in the normal plans will be less risky, and therefore cheaper to insure. (
  • We are writing to inform you of some changes in the student health insurance plan. (
  • Students currently enrolled in the CareFirst student health insurance plan will receive an email in the coming days from our partner, Academic Health Plans (AHP), about the transition. (
  • Along with your insurance ID number, you will need this claim number if you have any questions for your health plan. (
  • When someone is insured by two or more group health insurance plans, one plan becomes the primary plan and the other plan(s) the secondary plan(s). (
  • For example, if your child is on your insurance plan through your employer, your child is a dependent on that plan. (
  • 3. Type of private insurance obtained by comparing reported plan name with precoded list of plans: fee for service plans, HMO type, HMO enrollment size, correspondence between respondent-reported HMO status and plan list code. (
  • Conclusion: There is a high degree of satisfaction of plan users linked to a self-management health insurance provider, even though, according to the literature, professionals have not shown the same satisfaction about their activities in the Supplementary Health sector. (
  • Insurance protects people's lives and property and helps to improve their lives. (
  • Home insurance protects you from having to pay out a huge amount at once, often at a very difficult and emotional time. (
  • The class includes information on Medicare Part A and Part B, Medigap/Medicare Supplement insurance, Medicare Advantage plans, Medicare Part D, EPIC and the Medicare Savings Programs. (
  • There are different types of insurance you should consider: (1) trip cancellation or travel disruption insurance, (2) travel health insurance, and (3) medical evacuation insurance. (
  • If you are traveling to a remote destination or to a place where care is not likely to be up to U.S. standards, consider buying medical evacuation insurance. (
  • Medical evacuation insurance covers emergency transportation from a remote area to a high-quality hospital, which could otherwise cost more than $100,000. (
  • We can find the right Long-Term care insurance for you, so you can spend the time on things that matter the most. (
  • Many do not know about insurance, cannot easily access insurance, cannot find suitable/tailored products, or cannot afford it. (
  • Find out more about Cannabis and Insurance. (
  • Find out if Long Term Care insurance is something for you. (
  • Make key documents easy to find and insurance business processes, such as invoice processing and HR tasks, much more efficient. (
  • It is important to check with your health insurance provider to find out if the service is covered. (
  • Via paper form which can be faxed, e-mailed or mailed to the Bureau of Insurance . (
  • Rethinking Social Insurance ," NBER Working Papers 11250, National Bureau of Economic Research, Inc. (
  • This study was therefore conducted to unearth factors responsible for the failure of healthcare workers in the Kintampo North Municipality to promptly renew their health insurance membership whenever it expires. (
  • The mission of the Center for Healthcare & Insurance Studies at the University of Connecticut is to serve as a valued educational resource for health care management in the Northeast. (
  • Insurance adjusters or other representatives may try to get you to "give a statement" about how the accident happened-or they may simply engage you in conversation, during which they will try more subtly to get you to tell them about the accident. (
  • Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S. (
  • By doing your homework, you may be able to enroll in one of these health insurance plans and save money. (
  • Unlike some other ACA insurance plans, "UnitedHealthcare plans have typically wider provider networks. (
  • If anything, allowing some people to buy "gold-plated" insurance plans might make insurance cheaper for the rest of us. (
  • 1952)‎. Travel accident insurance. (
  • Civil Servants' Sickness and Accident Insurance (Amendment) Act (No. 7). (
  • A federal Act to amend the Civil Servants' Sickness and Accident Insurance Act [Text 200 of 1967]. (
  • 1967-05-31 (AUT-1967-L-18879) Public Servants' Sickness and Accident Insurance Act (B-KUVG). (
  • Inpatient and Outpatient Treatment in the German Social Accident Insurance]. (
  • I can't really see any reason why people who are self-employed, or who buy health insurance on the individual market, shouldn't be treated the same as those whose employers provide their health insurance. (
  • It'll stay in your escrow account until your insurance bills are due. (
  • I have insurance, but I still have bills that are stressing me out. (
  • If an American worker takes a job that pays less than the one that vanished, "there should be a system of wage insurance in place so that he can still pay his bills," the president said. (
  • If you cover all the household expenses, this would be the total amount of monthly bills, including your mortgage, utilities, child care, insurance, food and transportation costs, and any debt payments. (
  • Purchased Mexico auto insurance before? (
  • We all need auto insurance, and the best place to start is with a free car insurance quote. (
  • These figures are not comparable with the National Association of Insurance Commissioners' auto expenditures data, below. (
  • Many other factors can also affect auto insurance prices. (
  • Learn how easy it is to save on your insurance by bundling your policies, like home and auto! (
  • Auto insurance tends to be highly competitive and affordable, but home insurance for example is expensive and rare. (
  • Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. (
  • Travelers offers various auto insurance options and several discount opportunities. (
  • How do I know I can trust these reviews about Travelers Auto Insurance? (
  • Current forms of insurance, notwithstanding their importance, it is only one tool to close the protection gap and provide protection for people's lives and their property. (
  • As I conceive wage insurance," Burtless wrote in 2014, "it would provide experienced, laid-off workers with monthly or quarterly earnings supplements, compensating them for a portion of their lost wages. (
  • Allow us to off load some heaviness from your research and decision-making process as we provide details on short- and long-term ways you can get cheaper car insurance. (
  • The borrower may provide proof of insurance to the lender at any time. (
  • Talk to a personal insurance broker who will provide you with the answers to your concerns at 1.800.448.2539 . (
  • The 2013 health insurance estimates are based on preliminary files released prior to final data editing and final weighting, to provide access to the most recent information from the National Health Interview Survey. (
  • I then consider three political principles and four economic principles that could guide the design and reform of social insurance programs. (
  • Yet 1 in 4 houses will experience flood damage during a 30-year mortgage - a greater risk than fire - one more reason Congress should try again to reform federal insurance in flood-prone areas. (
  • We can reform the tax code, so that it provides a similar incentive for you to buy health insurance. (
  • Utah is also a "no-fault" car insurance state, which means your options for pursuing a claim are often limited when you're injured in a car accident . (
  • Before you go, consider your insurance options in case you need care while traveling. (
  • Our work focuses on ensuring that more people have better access to quality pension and insurance products, and increasing the supply of institutional investors' assets that can safely fund long-term investment. (
  • How do you handle the loan-related insurance products? (
  • Credit default insurance is a financial agreement-usually a credit derivative such as a credit default swap (CDS) or a total return swap-to mitigate the risk of loss from default by a borrower or bond issuer. (
  • Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. (
  • According to the Hartford Courant article cited above, a $140 million dollar settlement was reached in April with Assurant, Inc. and Ocwen Financial Corp., among others, over force-placed insurance business practices. (
  • Owning a home may be your largest single financial investment so it's important to protect your property and contents against unforeseen risks with home insurance. (
  • Trip cancellation insurance covers your financial investment in your trip, such as flights, cruises, or train tickets. (
  • The BGS GeoSure insurance product gives an index-level assessment of the potential for a geological deposit to create financial insurance loss due to natural ground movement. (
  • Understanding these health insurance keywords can make managing the financial aspects of your child's care easier. (
  • The health insurance questionnaire was administered in all of the NHIS sample households. (
  • Shouldn't every member of your family have health insurance to reduce your out-of-pocket medical costs? (
  • Health insurance helps protect you from high medical care costs. (
  • That calls for better market incentives, such as higher insurance costs and stricter building codes to better protect residents in the Southeast and to keep people from building in vulnerable coastal areas. (
  • Cynthia Widmayer is an insurance contributor for Bankrate and has over two years of experience as a personal finance writer. (
  • Jason Metz is a writer who has worked in the insurance industry since 2007. (
  • 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. (
  • ar ticle questions pricing models and business practices prevalent in the force-placed insurance industry. (
  • All told, the insurance industry is fighting the sluggish global economy on multiple fronts. (
  • Anthony O'Donnell has covered technology in the insurance industry since 2000, when he joined the editorial staff of Insurance & Technology. (
  • In recent years, as the insurance industry has attempted to balance its books in the face of inflation and the aftermath of the COVID-19 pandemic, rate increases have become the norm, even for businesses with good loss histories. (
  • Our insurance brokers' approach to risk management helps you to achieve the right level of pleasure craft and boat insurance cover. (
  • Our insurance brokers have the expertise and experience to obtain the insurance cover you need. (
  • Our insurance team is composed of agents, data analysts, and customers like you. (
  • Dummy records were created for non-respondents to the health insurance questionnaire (see data location 336). (
  • The resulting estimates for persons without health insurance are generally 0.1-0.3 percentage points lower than those based on the editing procedures used for the final data files. (
  • Our client, a National Insurance Organization is in need of a Professional Liability and Management Liability Insurance Broker. (
  • To learn more about Lexmark's solutions for insurance, contact us today. (
  • Learn about the types of home insurance policies available such as comprehensive, named perils, broad and basic. (
  • Risk management is responsible for placement of all insurance policies. (
  • Things like higher deductibles and copays, which are (I imagine) part of what goes into stripping off the gold plating from health insurance policies, address themselves almost entirely to the second group: the group that accounts for only a tiny fraction of US health care spending. (
  • Check out more budget-friendly car insurance discounts we offer, or call us at 888-344-4357 for a quick quote that includes the discounts you qualify for. (
  • When working on a insurance transcription, we also offer timestamping, labeling each transcription with the corresponding time in the audio or video. (
  • The travel insurance that we offer is super affordable. (