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.
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.
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.
'Swimming pools' in a medical context typically refers to man-made bodies of water designed for swimming and other recreational activities, which can also serve as potential reservoirs for various infectious diseases if not properly maintained, including those transmitted through waterborne pathogens, fecal contamination, or poor water chemistry.
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.
The term "United States" in a medical context often refers to the country where a patient or study participant resides, and is not a medical term per se, but relevant for epidemiological studies, healthcare policies, and understanding differences in disease prevalence, treatment patterns, and health outcomes across various geographic locations.
National Health Insurance in the United States refers to a proposed system of healthcare financing that would provide comprehensive coverage for all residents, funded through a combination of government funding and mandatory contributions, and administered by a public agency.
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.
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.
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.
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.

The potential role of risk-equalization mechanisms in health insurance: the case of South Africa. (1/58)

International agencies such as the World Bank have widely advocated the use of health insurance as a way of improving health sector efficiency and equity in developing countries. However, in developing countries with well-established, multiple-player health insurance markets, such as South Africa, extension of insurance coverage is now inhibited by problems of moral hazard, and associated cost escalation and fragmentation of insurer risk-pools. Virtually no research has been done on the problem of risk selection in health insurance outside developed countries. This paper provides a brief overview of the problem of risk fragmentation as it has been studied in developed countries, and attempts to apply this to middle-income country settings, particularly that of South Africa. A number of possible remedial measures are discussed, with risk-equalization funds being given the most attention. An overview is given of the risk-equalization approach, common misconceptions regarding its working and the processes that might be required to assess its suitability in different national settings. Where there is widespread public support for social risk pooling in health care, and government is willing and able to assume a regulatory role to achieve this, risk-equalization approaches may achieve significant efficiency and equity gains without destroying the positive features of private health care financing, such as revenue generation, competition and free choice of insurer.  (+info)

Where is the financial safety net for managed care physicians? (2/58)

OBJECTIVE: Empiric research on mechanisms by which managed care physicians attempt to mitigate financial risk is lacking. We assumed the perspective of a managed care plan in investigating the relationship between risk sharing and the match between a physician's capitation payments and costs of care. DESIGN: The study design was a family of payment simulations using 2 years of managed care claims data. METHODS: Claims from a cohort of 82,525 managed care patients were used, with year 1 data determining a capitation rate for year 2 primary care services. The net provider payment in year 2 was examined under scenarios that might modify financial outcomes, including stop-loss insurance, age- and gender-adjustment of capitation, and risk pooling within independent practice associations. RESULTS: The size of a provider's patient panel was positively correlated with net per capita payment (r = 0.22; P < 0.0001 without risk modification strategies). The variance of the ratio of net to total revenue was utilized as a proxy for the degree of risk assumed in caring for a panel of capitated enrollees. Risk modification strategies reduced this variance measure, with risk pooling producing the largest effect, especially for providers of panels of fewer than 135 patients. In contrast, age- and gender-adjustment of capitation payments had little effect on reimbursement outcomes. CONCLUSIONS: Short of increasing the pool of capitated patients, risk modification strategies appear limited in their ability to produce more equitable reimbursement to providers with small patient panels. With many providers assuming substantial risk in pursuing managed care contracts, these dynamics may favor organizational forms of medical practice that facilitate large patient panels within a single plan.  (+info)

Pooled purchasing: who are the players? (3/58)

Data from the 1997 Robert Wood Johnson Foundation Employer Health Insurance Survey provide the first national estimates of the prevalence of pooled purchasing under all major arrangements. About one-quarter of all businesses participate in a pool; smaller businesses are more likely to participate, and there is substantial geographic variation in the prevalence of pool participation. Pooling appears to have modest positive effects on the availability of employee choice among plans (especially health maintenance organizations) and on the availability of information about plan quality. On the other hand, pooling as now construed does not seem to have enhanced the accessibility or affordability of insurance to employers.  (+info)

Expanding access and choice for health care consumers through tax reform. (4/58)

A refundable tax credit for the uninsured would complement the existing job-based health insurance system while letting people keep their job-based coverage if they wish. Among the wide variety of design options for a tax credit, policy and political analysis does not reveal an obvious choice, but a tax credit based on a percentage of spending may have a slight advantage. Congress should give states maximum flexibility to use existing funding sources to supplement the value of a federal tax credit and encourage the use of techniques to create stable insurance pools.  (+info)

Health insurance in South Africa: an empirical analysis of trends in risk-pooling and efficiency following deregulation. (5/58)

This paper reports an empirical investigation into the pattern of private health insurance coverage in South Africa before and after deregulation of the health insurance industry. More specifically, we sought to measure trends in risk-pooling over the period 1985-95, and to assess the impact of risk pooling on the costs of health insurance cover over this period. South African mutual health insurers (Medical Schemes) have existed for over 100 years, and have been regulated under a specific Act since 1967. Up until 1989, health insurers were required by law to community rate their premiums, and were not allowed to exclude high-risk enrolees from cover. In 1989 these regulations were removed, effectively allowing health insurers to risk-rate the cover which they provided, and exclude 'medically uninsurables'. Data were obtained from the office of the health insurance regulator (the Registrar of Medical Schemes) for the period 1985-95, and consisted of the statutory returns from all registered medical schemes for each year during the study period. Multiple regression methods were used to assess the determinants of changes in the risk pools of insurers, and their costs. Both cross-sectional and longitudinal models were estimated. Unadjusted data suggest changes in risk-pooling since the deregulation period after 1985. Health insurers with open enrolment had worse than average risk profiles in the 1980s, but this reversed by the early 1990s, leaving them with significantly better risk profiles by 1995. Worsening risk profiles were associated with decreasing fund size, higher loss-ratios and past premium increases. Most models showed that risk rating of premiums was consistently associated with higher premiums, after adjustment for risk, quality, scale and other environmental differences between insurers. Likely explanations include the additional costs required for marketing and underwriting risk-rated policies, insufficient incentives to use cost-control techniques, and higher levels of moral hazard associated with diminished risk-pooling. Current re-regulation of risk-pooling within medical schemes may thus improve both equity and efficiency of private health care cover.  (+info)

Purchasing cooperatives for small employers: performance and prospects. (6/58)

Health insurance purchasing cooperatives were established in the early to mid-1990s for the purpose of making health insurance more affordable and accessible for small employers. Extensive interviews at six cooperatives reveal that while some cooperatives enrolled large numbers of small employers, most have won only small market shares and a number have struggled for survival, not always successfully. They have allowed small employers to offer individual employees choice of health plans, but none has been able to sustain lower prices than are available in the conventional market. Among the important impediments to their success are limited support from health plans and conflicts over the role of insurance agents.  (+info)

The Internet and managed care: a new wave of innovation. (7/58)

Managed care firms have been under siege in the political system and the marketplace for the past few years. The rise of the Internet has brought into being powerful new electronic tools for automating administrative and financial processes in health insurance. These tools may enable new firms or employers to create custom-designed networks connecting their workers and providers, bypassing health plans altogether. Alternatively, health plans may use these tools to create a new consumer-focused business model. While some disintermediation of managed care plans may occur, the barriers to adoption of Internet tools by established plans are quite low. Network computing may provide important leverage for health plans not only to retain their franchises but also to improve their profitability and customer service.  (+info)

HealthMarts, HIPCs (health insurance purchasing cooperatives), MEWAs (multiple employee welfare arrangements), and AHPs (association health plans): a guide for the perplexed. (8/58)

This paper considers how pending proposals to authorize new forms of group purchasing arrangements for health insurance would fit and function within the existing, highly complex market and regulatory landscape and whether these proposals are likely to meet their stated objectives and avoid unintended consequences. Cost savings are more likely to result from increased risk segmentation than through true market efficiencies. Thus, these proposals could erode previous market reforms whose goal is increased risk pooling. On the other hand, these proposals contain important enhancements, clarifications, and simplification of state and federal regulatory oversight of group purchasing vehicles. Also, they address some of the problems that have hampered the performance of purchasing cooperatives. On balance, although these proposals should receive cautious and careful consideration, they are not likely to produce a significant overall reduction in premiums or increase in coverage.  (+info)

In the context of healthcare and medical insurance, an "insurance pool" refers to a grouping of individuals or entities who come together to share risks and costs associated with potential losses or expenses. This is often done through the purchase of insurance policies from a company. The insurance company then manages the pool, using the premiums collected from all members to pay for claims made by any individual member.

In this way, an insurance pool helps to spread the financial risk of healthcare costs across a larger group, which can lead to more predictable and stable costs for individuals or entities. Additionally, because the risk is spread out among many people, those who are considered higher risk (such as older individuals or those with pre-existing medical conditions) may still be able to obtain insurance coverage at a reasonable rate.

Insurance pools can take various forms, including community rating pools, high-risk pools, and reinsurance pools. Each type of pool is designed to address specific needs and risks within the healthcare system.

Health Insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By purchasing health insurance, insured individuals pay a premium to an insurance company, which then pools those funds with other policyholders' premiums to pay for the medical care costs of individuals who become ill or injured. The coverage can include hospitalization, medical procedures, prescription drugs, and preventive care, among other services. The goal of health insurance is to provide financial protection against unexpected medical expenses and to make healthcare services more affordable.

Insurance coverage, in the context of healthcare and medicine, refers to the financial protection provided by an insurance policy that covers all or a portion of the cost of medical services, treatments, and prescription drugs. The coverage is typically offered by health insurance companies, employers, or government programs such as Medicare and Medicaid.

The specific services and treatments covered by insurance, as well as the out-of-pocket costs borne by the insured individual, are determined by the terms of the insurance policy. These terms may include deductibles, copayments, coinsurance, and coverage limits or exclusions. The goal of insurance coverage is to help individuals manage the financial risks associated with healthcare expenses and ensure access to necessary medical services.

I'm sorry for any confusion, but "insurance" is not a medical term per se. It is an financial concept and a type of risk management where an individual or entity pays a premium to a insurance company in order to receive financial protection or reimbursement against potential losses. In the context of healthcare, insurance typically refers to health insurance, which is a type of coverage that pays for medical, surgical, or hospital costs. Health insurance can be obtained through an employer, purchased directly from an insurance company, or provided by the government.

Long-term care insurance is a type of insurance policy that helps cover the costs of chronic or prolonged illness, disability, or cognitive impairment such as Alzheimer's disease. These policies help pay for services and supports in your home, adult day care centers, respite care, hospice care, assisted living facilities, memory care facilities, and nursing homes.

Long-term care insurance typically covers the following types of services:

1. Personal care services: This includes assistance with activities of daily living (ADLs) such as bathing, dressing, grooming, using the toilet, eating, and moving around.
2. Home health care services: This includes skilled nursing care, physical therapy, occupational therapy, speech therapy, and hospice care provided in your home.
3. Assisted living facilities: This includes room and board, personal care services, and supportive services such as medication management, transportation, and social activities.
4. Nursing homes: This includes skilled nursing care, rehabilitation services, and custodial care in a licensed nursing facility.

Long-term care insurance policies typically have a waiting period (also known as an elimination period) before benefits begin, which can range from 30 to 100 days. The policyholder is responsible for paying for long-term care services during this waiting period. Additionally, premiums for long-term care insurance may increase over time, and policies may have limits on the amount of coverage provided.

It's important to note that long-term care insurance can be expensive, and not everyone will qualify for coverage due to age or health conditions. Therefore, it's essential to carefully consider your options and consult with a licensed insurance professional before purchasing a policy.

Life insurance is a type of insurance policy that provides financial compensation to beneficiaries upon the death of the insured person. The policyholder pays premiums periodically to keep the policy active. In exchange, the insurance company agrees to pay a specified sum to the beneficiaries named in the policy when the insured individual passes away. Life insurance can help ensure that surviving family members or dependents have financial support to cover expenses such as funeral costs, mortgage payments, outstanding debts, and living expenses. There are various types of life insurance policies available, including term life, whole life, universal life, and variable life, each with its own features, benefits, and limitations.

An insurance carrier, also known as an insurer or a policy issuer, is a company or organization that provides insurance coverage to individuals and businesses in exchange for premium payments. The insurance carrier assumes the financial risk associated with the policies it issues, agreeing to pay for covered losses or expenses as outlined in the insurance contract, such as a health insurance policy, car insurance policy, or life insurance policy.

Insurance carriers can be divided into two main categories: life and health insurance companies and property and casualty insurance companies. Life and health insurance companies focus on providing coverage for medical expenses, disability, long-term care, and death benefits, while property and casualty insurance companies offer protection against losses or damages to property (home, auto, etc.) and liabilities (personal injury, professional negligence, etc.).

The primary role of an insurance carrier is to manage the risks it assumes by pooling resources from its policyholders. This allows the company to pay for claims when they arise while maintaining a stable financial position. Insurance carriers also engage in various risk management practices, such as underwriting, pricing, and investment strategies, to ensure their long-term sustainability and ability to meet their obligations to policyholders.

"Medically uninsured" is not a term that has an official medical definition. However, it generally refers to individuals who do not have health insurance coverage. This can include those who cannot afford it, those who are not offered coverage through their employer, and those who are ineligible for government-sponsored programs like Medicaid or Medicare. Being medically uninsured can lead to financial strain if an individual experiences a medical emergency or needs ongoing care, as they will be responsible for paying for these services out of pocket.

"Insurance Selection Bias" is not a widely recognized medical term. However, in the context of health services research and health economics, "selection bias" generally refers to the distortion of study results due to the non-random selection of individuals into different groups, such as treatment and control groups. In the context of health insurance, selection bias may occur when individuals who choose to enroll in a particular insurance plan have different characteristics (such as age, health status, or income) than those who do not enroll, leading to biased estimates of the plan's effectiveness or cost.

For example, if healthier individuals are more likely to choose a particular insurance plan because it has lower premiums, while sicker individuals are more likely to choose a different plan with more comprehensive coverage, then any comparison of health outcomes or costs between the two plans may be biased due to the differences in the health status of the enrollees.

Therefore, researchers must take steps to control for selection bias in their analyses, such as adjusting for confounding variables or using statistical methods like propensity score matching to create more comparable groups.

I'm not able to provide a medical definition for "swimming pools" as it is not a term that is typically used in the medical field. However, swimming pools are bodies of water designed for swimming and other recreational activities. They can be found in various settings such as residential homes, community centers, hotels, and fitness clubs. Swimming pools can contain either chlorinated or saltwater and should be properly maintained to prevent the growth of harmful bacteria and algae that can cause illnesses.

If you have any medical concerns related to swimming or using swimming pools, I would recommend consulting with a healthcare professional for advice tailored to your specific situation.

Dental insurance is a type of health insurance specifically designed to cover the costs associated with dental care. It typically helps pay for preventive, basic, and major restorative procedures, including routine checkups, cleanings, fillings, extractions, root canals, crowns, bridges, and in some cases, orthodontic treatment.

Dental insurance plans often have a network of participating dentists who agree to provide services at pre-negotiated rates, helping to keep costs down for both the insured individual and the insurance company. The plan may cover a certain percentage of the cost of each procedure or have set copayments and deductibles that apply.

Like other forms of insurance, dental insurance plans come with annual maximum coverage limits, which is the most the plan will pay for dental care within a given year. It's essential to understand the terms and conditions of your dental insurance policy to make informed decisions about your oral health care and maximize the benefits available to you.

Insurance benefits refer to the coverage, payments or services that a health insurance company provides to its policyholders based on the terms of their insurance plan. These benefits can include things like:

* Payment for all or a portion of medical services, such as doctor visits, hospital stays, and prescription medications
* Coverage for specific treatments or procedures, such as cancer treatment or surgery
* Reimbursement for out-of-pocket expenses, such as deductibles, coinsurance, and copayments
* Case management and care coordination services to help policyholders navigate the healthcare system and receive appropriate care.

The specific benefits provided will vary depending on the type of insurance plan and the level of coverage purchased by the policyholder. It is important for individuals to understand their insurance benefits and how they can access them in order to make informed decisions about their healthcare.

Health Insurance Reimbursement refers to the process of receiving payment from a health insurance company for medical expenses that you have already paid out of pocket. Here is a brief medical definition of each term:

1. Insurance: A contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.
2. Health: Refers to the state of complete physical, mental, and social well-being, and not merely the absence of disease or infirmity.
3. Reimbursement: The act of refunding or compensating a person for expenses incurred, especially those that have been previously paid by the individual and are now being paid back by an insurance company.

In the context of health insurance, reimbursement typically occurs when you receive medical care, pay the provider, and then submit a claim to your insurance company for reimbursement. The insurance company will review the claim, determine whether the services are covered under your policy, and calculate the amount they will reimburse you based on your plan's benefits and any applicable co-pays, deductibles, or coinsurance amounts. Once this process is complete, the insurance company will issue a payment to you to cover a portion or all of the costs you incurred for the medical services.

A Health Benefit Plan for Employees refers to a type of insurance policy that an employer provides to their employees as part of their benefits package. These plans are designed to help cover the costs of medical care and services for the employees and sometimes also for their dependents. The specific coverage and details of the plan can vary depending on the terms of the policy, but they typically include a range of benefits such as doctor visits, hospital stays, prescription medications, and preventative care. Employers may pay all or part of the premiums for these plans, and employees may also have the option to contribute to the cost of coverage. The goal of health benefit plans for employees is to help protect the financial well-being of workers by helping them manage the costs of medical care.

Liability insurance in a medical context refers to a type of insurance that covers the cost of legal claims made against healthcare professionals or facilities for damages or injuries caused to patients during the course of medical treatment. This can include incidents such as malpractice, errors or omissions in diagnosis or treatment, and failure to provide appropriate care. Liability insurance typically covers legal fees, settlements, and judgments awarded to the plaintiff in a lawsuit. It is intended to protect healthcare providers from financial ruin due to lawsuits and help ensure that patients have access to compensation for harm caused by medical negligence.

Insurance claim reporting is the process of informing an insurance company about a potential claim that an insured individual or business intends to make under their insurance policy. This report typically includes details about the incident or loss, such as the date, time, location, and type of damage or injury, as well as any relevant documentation, such as police reports or medical records.

The purpose of insurance claim reporting is to initiate the claims process and provide the insurance company with the necessary information to evaluate the claim and determine coverage. The insured individual or business may be required to submit additional information or evidence to support their claim, and the insurance company will conduct an investigation to assess the validity and value of the claim.

Prompt and accurate reporting of insurance claims is important to ensure that the claim is processed in a timely manner and to avoid any potential delays or denials of coverage based on late reporting. It is also important to provide complete and truthful information during the claims process, as misrepresentations or false statements can lead to claim denials or even fraud investigations.

Major medical insurance is a type of health insurance policy that provides comprehensive coverage for a wide range of medical services and treatments, typically with a high annual limit. These policies are designed to cover large, unexpected medical expenses such as hospital stays, surgery, and expensive diagnostic tests or treatments. Major medical insurance often has lower premiums than other types of health insurance because it requires the policyholder to pay a significant portion of their medical costs out-of-pocket through deductibles, copayments, and coinsurance. This type of insurance is often used in conjunction with other forms of coverage, such as employer-sponsored insurance or Medicare, to provide more comprehensive protection against high medical bills.

Accident insurance is a type of coverage that provides benefits in the event of an unexpected injury or accident. This type of insurance is designed to help protect individuals from financial losses due to medical expenses, lost wages, and other costs associated with an accidental injury. Accident insurance policies typically cover events such as falls, motor vehicle accidents, sports injuries, and other unforeseen accidents. Benefits may include reimbursement for medical bills, disability payments, or even death benefits in the event of a fatal accident. It's important to note that accident insurance is not a substitute for comprehensive health insurance coverage, but rather a supplement to help cover out-of-pocket costs associated with accidents.

I'm sorry for any confusion, but "United States" is a geopolitical entity, specifically the name of the country consisting of 50 states, and it is not a medical term or concept. Therefore, I can't provide a medical definition for it. If you have any questions related to health, medicine, or biology, I would be happy to try to help answer those!

National Health Insurance (NHI) in the United States does not refer to a specific federal program, but rather it is often used to describe the concept of universal healthcare financing, where all residents have access to necessary healthcare services, and the costs are shared among the entire population.

However, the closest equivalent to NHI in the US is Medicare, which is a federal social insurance program that provides health insurance coverage to people aged 65 and older, some younger people with disabilities, and people with end-stage renal disease. It is not a true NHI system because it does not cover all residents of the country.

Therefore, there is no widely accepted medical definition of 'National Health Insurance, United States' in the context of an actual existing program or policy.

Universal coverage is a term used in healthcare policy to describe a system in which all residents of a particular country or region have access to necessary healthcare services, regardless of their ability to pay. This can be achieved through various mechanisms, such as mandatory health insurance, government provision of care, or a mix of public and private financing.

The goal of universal coverage is to ensure that everyone has access to essential medical services, including preventive care, doctor visits, hospitalizations, and prescription medications, without facing financial hardship due to medical expenses. Universal coverage can help reduce disparities in healthcare access and outcomes, improve overall population health, and provide economic benefits by reducing the burden of uncompensated care on healthcare providers and taxpayers.

It's important to note that universal coverage does not necessarily mean that all healthcare services are provided for free or at no cost to the individual. Rather, it means that everyone has access to a basic level of care, and that out-of-pocket costs are kept affordable through various mechanisms such as cost-sharing, subsidies, or risk pooling.

Hospitalization Insurance is a type of health insurance that provides coverage for the expenses incurred during a hospital stay, including surgery, diagnostic tests, doctor's visits, and other related services. This type of insurance may also cover the cost of hospital room and board, intensive care unit (ICU) stays, and nursing services. Some policies may also provide coverage for ambulance transportation, home health care, and rehabilitation services following a hospital stay. The specific benefits and coverage limits will vary depending on the policy and insurance provider.

Health care reform refers to the legislative efforts, initiatives, and debates aimed at improving the quality, affordability, and accessibility of health care services. These reforms may include changes to health insurance coverage, delivery systems, payment methods, and healthcare regulations. The goals of health care reform are often to increase the number of people with health insurance, reduce healthcare costs, and improve the overall health outcomes of a population. Examples of notable health care reform measures in the United States include the Affordable Care Act (ACA) and Medicare for All proposals.

The Health Insurance Portability and Accountability Act (HIPAA) is a US law designed to provide privacy standards to protect patients' medical records and other health information. It sets limits on who can look at and receive your protected health information (PHI), such as doctors, hospitals and healthcare clearinghouses. It also gives patients more control over their health information by setting rules for how it can be used or disclosed. Additionally, HIPAA establishes penalties for violations of the privacy rule.

HIPAA is enforced by the Department of Health and Human Services' Office for Civil Rights (OCR). It applies to covered entities, such as healthcare providers, health plans, and healthcare clearinghouses, that handle protected health information. Business associates of these covered entities, such as claims processing companies, also must comply with HIPAA regulations.

HIPAA is composed of several rules, including the Privacy Rule, Security Rule, Breach Notification Rule, and Enforcement Rule. These rules establish national standards for the protection of certain health information. The Privacy Rule establishes guidelines for how protected health information can be used and disclosed, while the Security Rule sets forth requirements for protecting electronic PHI. The Breach Notification Rule requires covered entities to notify affected individuals, the Secretary of HHS, and in some cases the media, following a breach of unsecured PHI. The Enforcement Rule provides for investigations and penalties for violations of the HIPAA rules.

In summary, HIPAA is a US law that establishes national standards to protect individuals' medical records and personal health information by setting guidelines for how it can be used and disclosed, as well as requirements for protecting electronic PHI. It applies to healthcare providers, health plans, and healthcare clearinghouses, as well as their business associates.

Medicaid is a joint federal-state program that provides health coverage for low-income individuals, including children, pregnant women, elderly adults, and people with disabilities. Eligibility, benefits, and administration vary by state, but the program is designed to ensure that low-income individuals have access to necessary medical services. Medicaid is funded jointly by the federal government and the states, and is administered by the states under broad federal guidelines.

Medicaid programs must cover certain mandatory benefits, such as inpatient and outpatient hospital services, laboratory and X-ray services, and physician services. States also have the option to provide additional benefits, such as dental care, vision services, and prescription drugs. In addition, many states have expanded their Medicaid programs to cover more low-income adults under the Affordable Care Act (ACA).

Medicaid is an important source of health coverage for millions of Americans, providing access to necessary medical care and helping to reduce financial burden for low-income individuals.

National health programs are systematic, large-scale initiatives that are put in place by national governments to address specific health issues or improve the overall health of a population. These programs often involve coordinated efforts across various sectors, including healthcare, education, and social services. They may aim to increase access to care, improve the quality of care, prevent the spread of diseases, promote healthy behaviors, or reduce health disparities. Examples of national health programs include immunization campaigns, tobacco control initiatives, and efforts to address chronic diseases such as diabetes or heart disease. These programs are typically developed based on scientific research, evidence-based practices, and public health data, and they may be funded through a variety of sources, including government budgets, grants, and private donations.

Health services accessibility refers to the degree to which individuals and populations are able to obtain needed health services in a timely manner. It includes factors such as physical access (e.g., distance, transportation), affordability (e.g., cost of services, insurance coverage), availability (e.g., supply of providers, hours of operation), and acceptability (e.g., cultural competence, language concordance).

According to the World Health Organization (WHO), accessibility is one of the key components of health system performance, along with responsiveness and fair financing. Improving accessibility to health services is essential for achieving universal health coverage and ensuring that everyone has access to quality healthcare without facing financial hardship. Factors that affect health services accessibility can vary widely between and within countries, and addressing these disparities requires a multifaceted approach that includes policy interventions, infrastructure development, and community engagement.

"State Health Plans" is a general term that refers to the healthcare coverage programs offered or managed by individual states in the United States. These plans can be divided into two main categories: Medicaid and state-based marketplaces.

1. **Medicaid**: This is a joint federal-state program that provides healthcare coverage to low-income individuals, families, and qualifying groups, such as pregnant women, children, elderly people, and people with disabilities. Each state administers its own Medicaid program within broad federal guidelines, and therefore, the benefits, eligibility criteria, and enrollment processes can vary from state to state.

2. **State-based Marketplaces (SBMs)**: These are online platforms where individuals and small businesses can compare and purchase health insurance plans that meet the standards set by the Affordable Care Act (ACA). SBMs operate in accordance with federal regulations, but individual states have the flexibility to design their own marketplace structure, manage their own enrollment process, and determine which insurers can participate.

It is important to note that state health plans are subject to change based on federal and state laws, regulations, and funding allocations. Therefore, it is always recommended to check the most recent and specific information from the relevant state agency or department.

An insurance claim review is the process conducted by an insurance company to evaluate a claim made by a policyholder for coverage of a loss or expense. This evaluation typically involves examining the details of the claim, assessing the damages or injuries incurred, verifying the coverage provided by the policy, and determining the appropriate amount of benefits to be paid. The insurance claim review may also include investigating the circumstances surrounding the claim to ensure its validity and confirming that it complies with the terms and conditions of the insurance policy.

Eligibility determination is the process of evaluating whether an individual meets the required criteria or conditions to be qualified for a particular program, benefit, service, or position. This process typically involves assessing various factors such as medical condition, functional abilities, financial status, age, and other relevant aspects based on the specific eligibility requirements.

In the context of healthcare and medical services, eligibility determination is often used to establish whether a patient qualifies for certain treatments, insurance coverage, government assistance programs (like Medicaid or Medicare), or disability benefits. This process may include reviewing medical records, conducting assessments, and comparing the individual's situation with established guidelines or criteria.

The primary goal of eligibility determination is to ensure that resources are allocated fairly and appropriately to those who genuinely need them and meet the necessary requirements.

I'm sorry for any confusion, but the term "Private Sector" is not a medical definition. It is an economic and sociopolitical term that refers to businesses and organizations which are not owned or controlled by the government. They can be privately owned and operated for profit, such as corporations, partnerships, and sole proprietorships, or they can be non-profit organizations, such as charities and advocacy groups. The private sector is distinct from the "Public Sector," which includes entities that are owned and controlled by the government, like public schools, hospitals, and other services provided by the state.

Health expenditures refer to the total amount of money spent on health services, goods, and resources in a given period. This can include expenses for preventive care, medical treatments, medications, long-term care, and administrative costs. Health expenditures can be made by individuals, corporations, insurance companies, or governments, and they can be measured at the national, regional, or household level.

Health expenditures are often used as an indicator of a country's investment in its healthcare system and can reflect the overall health status of a population. High levels of health expenditures may indicate a strong commitment to healthcare, but they can also place a significant burden on individuals, businesses, and governments. Understanding patterns and trends in health expenditures is important for policymakers, healthcare providers, and researchers who are working to improve the efficiency, effectiveness, and accessibility of healthcare services.

Psychiatric insurance refers to a type of health insurance that helps cover the costs of psychiatric treatments and mental health services. These services may include therapy or counseling sessions with psychologists or psychiatrists, inpatient and outpatient care in psychiatric hospitals or facilities, medication, and other related treatments for mental illnesses and disorders. The specific coverage and benefits provided by psychiatric insurance can vary depending on the policy and the insurance provider.

"Medical Assistance" is a term used in the United States that primarily refers to government-funded health care programs for individuals who are unable to afford medical care on their own. The most well-known program is Medicaid, which is a joint federal-state program that provides health coverage for low-income individuals, including children, pregnant women, elderly adults, and people with disabilities.

Medical Assistance can also refer to other government-funded programs that provide financial assistance for medical care, such as the Children's Health Insurance Program (CHIP), which provides low-cost health insurance for children in families who earn too much to qualify for Medicaid but still cannot afford private insurance.

In general, Medical Assistance programs are designed to help ensure that all individuals have access to necessary medical care, regardless of their ability to pay. These programs are funded through a combination of federal and state funds, and eligibility criteria and benefits may vary from state to state.

Fees and charges in a medical context refer to the costs that patients are required to pay for healthcare services, treatments, or procedures. These may include:

1. Professional fees: The amount charged by healthcare professionals such as doctors, nurses, or therapists for their time, expertise, and services provided during consultations, examinations, or treatments.

2. Hospital charges: The costs associated with a patient's hospital stay, including room and board, nursing care, medications, and diagnostic tests.

3. Facility fees: Additional charges levied by hospitals, clinics, or ambulatory surgery centers to cover the overhead expenses of maintaining the facility and its equipment.

4. Procedure or treatment-specific fees: Costs directly related to specific medical procedures, surgeries, or treatments, such as anesthesia, radiology services, laboratory tests, or surgical supplies.

5. Ancillary fees: Additional costs for items like crutches, slings, or durable medical equipment that patients may need during their recovery process.

6. Insurance copayments, coinsurance, and deductibles: The portion of healthcare expenses that patients are responsible for paying based on their insurance policy terms.

It is essential for patients to understand the fees and charges associated with their medical care to make informed decisions about their treatment options and manage their healthcare costs effectively.

Personal Financing is not a term that has a specific medical definition. However, in general terms, it refers to the management of an individual's financial resources, such as income, assets, liabilities, and debts, to meet their personal needs and goals. This can include budgeting, saving, investing, planning for retirement, and managing debt.

In the context of healthcare, personal financing may refer to the ability of individuals to pay for their own medical care expenses, including health insurance premiums, deductibles, co-pays, and out-of-pocket costs. This can be a significant concern for many people, particularly those with chronic medical conditions or disabilities who may face ongoing healthcare expenses.

Personal financing for healthcare may involve various strategies, such as setting aside savings, using health savings accounts (HSAs) or flexible spending accounts (FSAs), purchasing health insurance policies with lower premiums but higher out-of-pocket costs, or negotiating payment plans with healthcare providers. Ultimately, personal financing for healthcare involves making informed decisions about how to allocate financial resources to meet both immediate and long-term medical needs while also balancing other financial goals and responsibilities.

Physician services insurance refers to a type of health insurance coverage that helps pay for medically necessary services provided by licensed physicians. This can include office visits, hospital care, diagnostic tests, and treatments for injuries and illnesses. The specific services covered and the amount reimbursed will depend on the terms of the individual's insurance policy. Some policies may also have restrictions on which providers are considered in-network and covered under the plan. It is important to understand the details of one's coverage to know what is included and what out-of-pocket costs may be required.

The Patient Protection and Affordable Care Act (ACA) is a comprehensive healthcare reform law passed in 2010 in the United States. Its primary goal is to increase the quality and affordability of health insurance, lower the uninsured rate by expanding public and private insurance coverage, and reduce the costs of healthcare for individuals, businesses, and government.

The ACA achieves these goals through several key provisions:

1. Individual mandate: Requires most individuals to have health insurance or pay a penalty, with some exceptions.
2. Employer mandate: Requires certain employers to offer health insurance to their employees or face penalties.
3. Insurance market reforms: Prohibits insurers from denying coverage based on pre-existing conditions, limits out-of-pocket costs, and requires coverage of essential health benefits.
4. Medicaid expansion: Expands Medicaid eligibility to cover more low-income individuals and families.
5. Health insurance exchanges: Establishes state-based marketplaces where individuals and small businesses can purchase qualified health plans.
6. Subsidies: Provides premium tax credits and cost-sharing reductions to help eligible individuals and families afford health insurance.
7. Prevention and public health fund: Invests in prevention, wellness, and public health programs.
8. Medicare reforms: Improves benefits for Medicare beneficiaries, reduces costs for some beneficiaries, and extends the solvency of the Medicare Trust Fund.

The ACA has been subject to numerous legal challenges and political debates since its passage. Despite these controversies, the law has significantly reduced the number of uninsured Americans and reshaped the U.S. healthcare system.

Cost sharing in a medical or healthcare context refers to the portion of health care costs that are paid by the patient or health plan member, rather than by their insurance company. Cost sharing can take various forms, including deductibles, coinsurance, and copayments.

A deductible is the amount that a patient must pay out of pocket for medical services before their insurance coverage kicks in. For example, if a health plan has a $1,000 deductible, the patient must pay the first $1,000 of their medical expenses before their insurance starts covering costs.

Coinsurance is the percentage of medical costs that a patient is responsible for paying after they have met their deductible. For example, if a health plan has 20% coinsurance, the patient would pay 20% of the cost of medical services, and their insurance would cover the remaining 80%.

Copayments are fixed amounts that patients must pay for specific medical services, such as doctor visits or prescription medications. Copayments are typically paid at the time of service and do not count towards a patient's deductible.

Cost sharing is intended to encourage patients to be more cost-conscious in their use of healthcare services, as they have a financial incentive to seek out lower-cost options. However, high levels of cost sharing can also create barriers to accessing necessary medical care, particularly for low-income individuals and families.

Disability insurance is a type of health insurance that provides coverage and financial benefits to individuals who become unable to work due to illness or injury. This insurance replaces a portion of the insured's income, typically between 50% to 70%, during the period of disability, helping to maintain their standard of living and cover ongoing expenses such as housing, food, and medical care.

There are two main types of disability insurance: short-term and long-term. Short-term disability insurance usually provides benefits for a limited period, typically up to 6 months or a year, while long-term disability insurance offers coverage for an extended duration, often until the insured reaches retirement age or is no longer disabled.

Disability insurance policies can be obtained through employers as part of their employee benefits package or purchased individually by individuals. The specific terms and conditions of disability insurance, including the definition of disability, waiting period, benefit amount, and duration, may vary depending on the policy and insurer.

Health insurance exchanges, also known as health insurance marketplaces, are online platforms where individuals, families, and small businesses can compare and purchase health insurance plans that meet the standards established by the Affordable Care Act (ACA). These exchanges offer a variety of health insurance options from different providers, allowing consumers to find a plan that fits their specific needs and budget.

Health insurance exchanges are designed to increase competition among insurers, improve transparency in the health insurance market, and make it easier for consumers to access affordable health coverage. They also provide subsidies for low-income individuals and families to help offset the cost of premiums and out-of-pocket expenses.

Exchanges can be run by individual states, the federal government, or a partnership between the two. Insurers that participate in the exchanges must offer plans that meet certain standards, including covering essential health benefits and providing preventive care services without cost-sharing. Plans are also categorized based on their level of coverage, with bronze, silver, gold, and platinum levels indicating the percentage of medical costs that the plan is expected to cover.

"Social Security" is a term that refers to a social insurance program, providing financial security to eligible individuals primarily through retirement, disability, and survivor's benefits. In the United States, it is administered by the Social Security Administration (SSA). The program is funded through payroll taxes known as Federal Insurance Contributions Act (FICA) tax, paid by workers and their employers.

It's important to note that "Social Security" is not a medical term per se, but rather a term used in the context of social welfare programs and policies. However, it does have an impact on healthcare as many Americans rely on Social Security benefits to help cover their medical expenses, especially during retirement.

The Oregon Medical Insurance Pool (OMIP), instituted in 1987, is designed to provide medical insurance coverage for residents ... "Oregon Medical Insurance Pool". Retrieved April 14, 2011. State of Oregon. "CAREAssist". Retrieved April 14, 2011. (Oregon law ... CAREAssist pays insurance premiums and medical services/prescription co-pays for individuals in need who are infected with HIV/ ... It functions similarly to other private insurance. HIV/AIDS clients of OMIP are able to receive needed assistance through the ...
Examples include mandatory health insurance and grower co-operatives. In health insurance, equalization pools are used in ... The policies are also called high-risk pools and are made for covering the sickest uninsured people. For insurance companies, ... To overcome the problem, some governments have made basic health insurance compulsory and also created a risk equalization pool ... In normal insurance markets, insurers price high-risk individuals at a higher premium to discourage them from buying insurance ...
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For example, the insurance industry pools claims data to collectively reduce risk; the catalog sales industry pools sales data ... Patent pools do not eliminate risk, they only temper it. Patent holders (including other patent pools) outside the pool can ... While it is rare for a patent pool to indemnify licensees,[self-published source?] a pool does help to assure a common interest ... However, stipulations exist to ensure pools do not function anti-competitively. As required by the DOJ, patents in the pool ...
CCR manages three insurance pools: The natural catastrophe pool (ACIP) covers earthquake, flood, landslide and storm risks. ... Galy, Hélène (23 May 2013). "Cat nat pools: experiences and reviews" (PDF). Willis: 14. "Insurance and reinsurance pools". ... The pool's initial capital is 2 billion DZD (US$27.96 million). The co-insurance's management has been entrusted to the ... "The history of insurance in Algeria" (PDF). Insurance and Risk Management. 81: 286-287. 1 October 2013. "Algeria:State owned ...
... the government and insurance industry established the Pool Reinsurance Company Ltd (Pool Re). Primarily funded by premiums paid ... in insurance pay-outs. Insurance payments related to terrorism are restricted to a billion euro per year for all insurance ... but also life insurance, medical insurance, etc. The New York Times reports that in Baghdad personal terrorism insurance is ... Terrorism Insurance: Where's the coverage? America Needs Terrorism Insurance Terrorism Insurance: Where Do We Go from Here? ( ...
As well as being the name of the local fire district There's also a church, restaurant, country store, and community pool by ... "Suspended Johnston fire chief charged with insurance fraud". WRAL. WRAL. Retrieved March 9, 2021. v t e (Articles with short ... "Blackmans Crossroads Pool". Retrieved March 9, 2021. "Blackmon's Crossroads fire chief arrested for financial improprieties". ...
... and other risk pools. U.S. health insurance risk pools List of disasters by cost "Wading Through Medical Insurance Pools: A ... While risk pooling is necessary for insurance to work, not all risks can be effectively pooled in a voluntary insurance bracket ... A risk pool is a form of risk management that is mostly practiced by insurance companies, which come together to form a pool to ... Pools have many advantages over insurers for their members. Pools tend to protect their members from cyclic insurance rates, ...
Health insurance companies are not actually providing traditional insurance, which involves the pooling of risk, because the ... Supplemental coverages include Medicare supplement insurance, hospital indemnity insurance, dental insurance, vision insurance ... This usage includes both private insurance programs and social insurance programs such as Medicare, which pools resources and ... HIAA Insurance Education (1997). Fundamentals of health insurance, Part A. Washington, D.C.: Health Insurance Association of ...
The present membership strength of the Pool is 26. The Pool enables members/non-life insurance companies to provide insurance ... An insurance pool is a multiple member, risk sharing arrangement where organisation pool their funds together to finance an ... GIC Re is manager for Indian Market Terrorism Risk Insurance Pool (IMTRIP), The FAIR Natural Catastrophe Reinsurance Pool ( ... Ltd., United India Insurance Co. Ltd., The Oriental Insurance Co. Ltd., and National Insurance Company Co. Ltd. respectively). ...
"HB 478 Health insurance; small employers to enter into pooling agreements". Virginia General Assembly. Legislative Information ... he sponsored legislation to create small business health insurance pooling, and in 2009 as Chairman of the Commission, carried ... "HB 2024 Health insurance, basic; increasing availability". Virginia General Assembly. Legislative Information System. "HB 2438 ... a bill to make no-mandate health insurance available so more small businesses could afford health care for their employees. ...
7 - Passed - Local Agencies - Insurance Pooling Arrangements. 8 - Failed - Owner Occupied Dwellings - Tax Rate. 9 - Passed - ... 6 - Passed - Insurance Company Home Office Tax Deduction. 7 - Passed - Taxation of Restricted Historic Property. 8 - Passed - ...
Public liability insurance issues led to the closure of Fonty's Pool in 2005, when its insurance policy was revoked. The ... Fonty's Pool holds 18 million litres of water, with a winter flow rate of 44,000 litres per hour. The pool covers nearly one ... Fontanini closed the pool to the public in 1973, because the management burden was too great. Community support saw the pool ... Fonty's Pool is a historic freshwater swimming pool near Manjimup, Western Australia. It is registered with the National Trust ...
"Government-sponsored natural disaster insurance pools: A view from down-under". International Journal of Disaster Risk ... Responsibility for collecting the levies was placed on the insurance companies. The act was administered by the State Insurance ... The insurance was known as EQCover. It was now limited to residential buildings; cover for buildings was confirmed as being for ... In 2015, the Insurance Council of New Zealand submitted to the government that the process be changed and all assessments be ...
They take a trip to Niagara Falls where Betty plans to kill her new spouse, to collect the insurance money on a policy that she ... He is regularly seen relaxing in Stan's pool. Reginald has dated Hayley. Reginald is also skilled in the Afro-Brazilian martial ... Betty manages to collect the insurance money and moves to Paris, France, where she is seen going into a theater to watch "Fast ... In the episode "Wife Insurance," it is shown that he goes on dangerous missions like Stan and the others. ...
Unitised Insurance Funds-Introduced 1970s. Open-ended with a life policy structure. With-profits policy-Open-ended with a life ... Non mainstream pooled investment funds - introduced in 2014. Closed-ended or open-ended. Income Trusts Labour Sponsored Funds ... The underlying assets of each class are effectively pooled for the purposes of investment management, but classes typically ... See Irish Collective Asset-management Vehicles Act 2015 (Original Act available here) The dictionary definition of pooled at ...
Bernard Frank Pool, OBE, Director of Contracts, Admiralty. Maurice Ernest Reed, MBE. For services as Legal Secretary, Law ... Birmingham.) Thomas John Hawkes, Office Keeper, Grade II, Ministry of National Insurance. (New Cross, S.E.14.) Sam Healey, ... William Woodall, Secretary of the Condensed Milk Pool Ltd. Magdalen Agnes Woods, Grade 4 Officer, Ministry of Labour & National ... Dora Alice Payne, Senior Executive Officer, Ministry of National Insurance. George Edgar Pearce, Local Fuel Overseer for Stroud ...
... two-thirds of the nation's outstanding insurance contracts. During the Panic of 1873 many life insurance companies went out of ... Life estate Dead pool Weir 1989, pp. 96, 102-03, 105. Ingram, Miranda (2008-08-29). "Property in France: Keep it in la famille ... According to the Supreme Court of the United States the nature of "insurance" involves some investment risk-taking on the part ... Tontines became associated with life insurance in the United States in 1868 when Henry Baldwin Hyde of the Equitable Life ...
Hilzenrath, David S. (May 4, 2010). "18 states refuse to run insurance pools for those with preexisting conditions". The ... Tergesen, Anne (June 5, 2010). "Insurance Relief for Early Retirees". The Wall Street Journal. "Kaiser: High-Risk Pool ... All health insurance companies must inform the public when they want to increase health insurance rates for individual or small ... Individuals may enroll in health insurance plans offered through state-based health insurance exchanges, or through the federal ...
Blumenthal explained that pool-purchasing powers should be explored. Alpert presented information as to how insurance rates ...
"The proposal [for an organ mutual insurance pool] can be easily summarized: An individual would receive priority for any needed ... "Lifesharers.org". Richard Schwindt; Aidan Vining (1998). "Proposal for a Mutual Insurance Pool for Transplant Organs". Journal ... transplant if that individual agrees that his or her organs will be available to other members of the insurance pool in the ... The government gives a compensation of $1,200 to the donors and aid them a year of limited health-insurance. Additionally, ...
Mutual funds and Insurance assets). ^2 Many surveys systematically overestimate the global wealth pool. This is because they ...
... moved PEF members into the state's health insurance pool; and ended PEF's lawsuit over the state's decision to defer a week's ... But health insurance, not pay, ended up being the biggest stumbling block. The state declared an impasse in mid June (10 weeks ... "PEF Ratifies Health Insurance Change." Albany Times-Union. December 18, 1991. Janison, Dan. "Rank and File to Vote in May on ... PEF was especially critical of a state proposal to restructure the state employee health insurance program. Mediators had to be ...
... he instead favored a self-insurance pool for doctors. The candidates also strongly disagreed on social issues. Goodenough had ...
... insurance Company Limited, also known as Pool Re, was set up in 1993 by the insurance industry in cooperation with the ... "Cyber terrorism - Steve Coates discusses changes to Pool Re cover - Pool Reinsurance". Pool Reinsurance. 2017-11-15. Retrieved ... Terrorism Risk Insurance Act Australian Reinsurance Pool Corporation Terrorism insurance Thomann 2004, p. 38. Cave, Andrew (30 ... 1] "Terrorism Risk Insurance Programmes". OECD E-Platform. OECD. Retrieved 26 February 2015. HM Treasury: Pool reinsurance ...
Later in the inning, Japan scored two insurance runs via a fielders choice and a single making the score 5-3. Closer Kazuhisa ... Pool A was a round-robin tournament. Each team played the other three teams once, with the top two teams advancing to Pool 1. ... Pool A of the First Round of the 2013 World Baseball Classic was held at Fukuoka Dome, Fukuoka, Japan from March 2 to 6, 2013. ... However, with its eighth-inning rally leading to a win, China clinched third place in the pool and an automatic berth in the ...
Haeder, Simon (2013). "Making the Affordable Care Act Work: High-Risk Pools and Health Insurance Marketplaces". The Forum. 11 ( ... A private health insurance exchange is an exchange run by a private sector company or nonprofit. Health plans and insurance ... Health insurance exchanges in the United States expand insurance coverage while allowing insurers to compete in cost-efficient ... The health insurance advocacy group America's Health Insurance Plans was willing to accept these constraints on pricing, ...
Insurance Pools & Risk Managers. June 2010. Web. 06 Nov. 2011. http://www.llrmi.com/articles/legal_update/taser_9th_2010.shtml ...
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This results in insurance to pool risks and reduce uncertainty. However, this creates a side-effect, the decreased visibility ... While health insurance premium cost increases have moderated in the employer market, some of this is because of insurance ... Since the majority (85%) of Americans have health insurance, they do not directly pay for medical services. Insurance companies ... "Federal Subsidies for Health Insurance Coverage for People Under Age 65". CBO. March 24, 2016. Census Bureau-Health Insurance ...
The Oregon Medical Insurance Pool (OMIP), instituted in 1987, is designed to provide medical insurance coverage for residents ... "Oregon Medical Insurance Pool". Retrieved April 14, 2011. State of Oregon. "CAREAssist". Retrieved April 14, 2011. (Oregon law ... CAREAssist pays insurance premiums and medical services/prescription co-pays for individuals in need who are infected with HIV/ ... It functions similarly to other private insurance. HIV/AIDS clients of OMIP are able to receive needed assistance through the ...
... and health insurance. Read on to learn more. ... BCGs insurance profit pools is a proprietary market-sizing and ... Insights from BCG Insurance Profit Pools. As a competitor in the rapidly changing global insurance industry, you know theres ... BCG insurance profit pools is part of BCGs insights suite, which also includes the insurance excellence benchmark. The ... BCG insurance profit pools is a proprietary market-sizing and forecasting model for life, property and casualty, and health ...
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Chinas online mutual aid platforms are disrupting old school insurance companies by leveraging big data and internet finance ... How Chinese tech giants are disrupting insurance industry with pooled funds Posted by Derick Lee in categories: biotech/medical ... Chinas online mutual aid platforms are disrupting old school insurance companies by leveraging big data and internet finance ...
... but to broadly consolidate health insurance risk pools by prohibiting most underwriting. The MCP litigation is designed to kill ... The signature accomplishment of the ACA was to reverse the Republican trend towards risk pool segmentation (high-deductible ... this key feature that spreads health insurance risk more evenly across the population. ... Health insurance mandates are not based on scale, but on risk pooling - having healthy people in the pool lowers the average ...
Americas insurance commissioners still pursuing bad investment charges that EU is scrapping *By: Ari Patinkin, John Berlau ... Why are Americas insurance commissioners trying to import harmful European rules? *By: Ari Patinkin, John Berlau ...
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"Insurance Pools" by people in this website by year, and whether "Insurance Pools" was a major or minor topic of these ... The risk of high loss by a particular insurance company is transferred to the group as a whole (the insurance pool) with ... "Insurance Pools" is a descriptor in the National Library of Medicines controlled vocabulary thesaurus, MeSH (Medical Subject ... Below are the most recent publications written about "Insurance Pools" by people in Profiles. ...
Copyright Independent Pool & Spa Service Association All Rights Reserved.﻽. P.O. Box 254645 , Sacramento, CA 95865. Phone: (888 ...
But new options under the Affordable Care Act are likely to offer lower premiums and lower deductibles, insurance specialists ... Some states plan to close their high-risk insurance pools in 2014. ... Time To Get Out Of The High-Risk Health Insurance Pool? Kaiser Health News , By Michelle Andrews ... Im fed up with insurance." Change is coming for many of the roughly 220,000 people in 35 state high-risk pools, although they ...
Property insurance law is a highly complex and specialized area of law and our firm represents policyholders when claims are ... A new client informed me last week that his wife was going to protest against the Texas Windstorm Insurance Association (TWIA) ... First, a spokesperson of Texas Windstorm Insurance Association indicated in a news article that it was going to take its time, ... My good buddy, Tom Grail, told me the parable of Hurricane Ike Insurance Claims. To appreciate this, one must first understand ...
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But new options under the Affordable Care Act are likely to offer lower premiums and lower deductibles, insurance specialists ... Some states plan to close their high-risk insurance pools in 2014. ... Im fed up with insurance." Change is coming for many of the roughly 220,000 people in 35 state high-risk pools, although they ... Time To Get Out Of The High-Risk Health Insurance Pool? By Michelle Andrews ...
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California State Controllers Office (SCO): Government Compensation in California (GCC) website
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The quotes were £5,000 or more: electric vehicle owners face soaring insurance costs. ... Im A Celebrity...Get Me Out Of Here! campmate Owen Warner is left in the hands of Chris Moyles as he is suspended over a pool ... Im A Celebrity first look: Chris Moyles lowers Owen Warner into pool of crabs and eels. ... who must move Warner to just above a pool of water containing yabbies, crabs and eels - as well as stars, which he is trying to ...
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Progressive wont renew some homeowners insurance … 17 hours ago. .cls-3{fill:#fff;fill-rule:evenodd}. ... Along with sunscreen and beach towels, another essential part of a pool outing is your swimsuit cover-up. As the name suggests ... Best swimsuit cover-ups to look put-together at the pool by: Ayurda Pathak, BestReviews Staff ... Versatile and lightweight, sundresses offer the protective layer needed and can easily finish a pool-day look. Sundresses offer ...
  • Yes, Suncorp Home Insurance covers spas and swimming pools. (suncorp.com.au)
  • bursting from swimming pools and spas. (suncorp.com.au)
  • Home insurance companies consider swimming pools to be a safety hazard and typically require pools to have fences around them to help prevent accidental drownings. (policygenius.com)
  • Many towns and cities have strict laws for residential swimming pools. (policygenius.com)
  • Swimming pools are, in most cases, the ideal solution for our confined water sessions. (tdisdi.com)
  • Environmental Health staff are responsible for enforcing California Health and Safety Codes and Municipal Codes related to all food facilities, street food vendors, public swimming pools, noise control and vector control. (211la.org)
  • Now that it's summer, here's what you need to know about homeowners insurance and swimming pools. (reecenicholsinsurance.com)
  • Swimming pools are great places for family fun. (kuhlinsurance.com)
  • You can enjoy the perks that come with it as you relax and take a swim whenever you like, with no rules or restrictions like in hotels or public pools. (bitrebels.com)
  • All public pools and spas must have drain gates or covers that meet safety standards to avoid incidents like the one that took Graeme's life. (kuhlinsurance.com)
  • Visitors cool off at Hearst Pool in Northwest D.C. on Monday Sept. 4, 2023. (wtop.com)
  • By Kara McGinley Kara McGinley Senior Editor & Licensed Home Insurance Expert Kara McGinley is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. (policygenius.com)
  • These capabilities enable insurers to profile a country or a specific insurance sector-say, personal auto, commercial property, or group savings and annuities-within that country, analyze how profitable that market is, and forecast its revenue and profitability outlook based on the factors most likely to transform it in the years ahead. (bcg.com)
  • An organization of insurers or reinsurers through which particular types of risk are shared or pooled. (umassmed.edu)
  • Enrolled in the Iowa high-risk insurance pool because insurers on the private market won't cover them, the couple pays more than $1,300 each month for a plan with a $2,500 annual deductible and a 20 percent copay for medical services. (wglt.org)
  • Starting next year, insurers will no longer be able to deny coverage to people because they're sick, and high-risk pools will no longer be necessary for those patients. (wglt.org)
  • If you don't install a pool fence, insurers may exclude your pool from coverage and deny your liability claim if someone gets hurt or drowns in your swimming pool. (policygenius.com)
  • Some insurers might require lights around the pool to prevent guests from slipping or falling in. (policygenius.com)
  • Some insurers won't cover pools that have diving boards , while others might require certain safety features like non-skid tape to prevent injuries. (policygenius.com)
  • Many insurers will require a lock on the ladder of your above-ground pool, or require you to remove the ladder entirely when it's not in use. (policygenius.com)
  • Insurers typically require pool fences to help lower the risk of accidental drownings and injury. (policygenius.com)
  • When you apply for homeowners insurance, insurers may send over an inspector to complete a home inspection to make sure your application is accurate. (policygenius.com)
  • Because insurers require pool fences as a condition of coverage, it won't result in a discount. (policygenius.com)
  • As we mentioned, a fence around your pool is likely legally required by the town or city that you live in, so insurers won't give you a discount for doing what's legally required. (policygenius.com)
  • Insurance companies typically require you to have a fence around your swimming pool to prevent accidents. (policygenius.com)
  • If you don't have a fence around your pool, the home inspector will direct you to install one within a certain timeframe, typically 30 days. (policygenius.com)
  • If the pool is off limits due to flooding (typically from the frequent rains here), this spot may be the only good place to view the scene. (world-of-waterfalls.com)
  • CAREAssist pays insurance premiums and medical services/prescription co-pays for individuals in need who are infected with HIV/AIDS. (wikipedia.org)
  • It covers roughly 100 countries with extensive modeling for over 30 KPIs and more than 90% of global insurance premiums until 2025. (bcg.com)
  • It's transferred directly to other market participants because health care providers charge higher rates in order to cover the cost of uncompensated care, and insurance companies reflect those higher rates in higher premiums, which Congress found translates to a thousand dollars per family in additional health insurance costs. (theincidentaleconomist.com)
  • 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. (umassmed.edu)
  • However, it's important to know that legal liability cover doesn't apply if the injury was caused by general wear and tear, defects, or a failure to comply with building laws (for example, not having proper pool fences). (suncorp.com.au)
  • Local municipalities have regulations and laws around pool fences, too, like requiring your fence to be a certain height or have a gate lock . (policygenius.com)
  • Fences can keep guests from entering the pool area without your permission, and if you don't have a fence around your pool, you open yourself up to more risks. (policygenius.com)
  • METHODS: We analyzed pooled data from the 1997-2012 US National Health Interview Survey (NHIS). (cdc.gov)
  • The signature accomplishment of the ACA was to reverse the Republican trend towards risk pool segmentation (high-deductible health plans, "individual responsibility," et al. (theincidentaleconomist.com)
  • but to broadly consolidate health insurance risk pools by prohibiting most underwriting. (theincidentaleconomist.com)
  • The MCP litigation is designed to kill this key feature that spreads health insurance risk more evenly across the population. (theincidentaleconomist.com)
  • On Tuesday, several Republican Justices and the Solicitor General displayed remarkably limited understanding of the nature of health insurance risk pools. (theincidentaleconomist.com)
  • When it comes to risk management, sometimes it pays to step outside of the "traditional" insurance marketplace. (haylor.com)
  • As a growing company, we felt as though we needed experts in all aspects of insurance / risk management to help grow with us. (haylor.com)
  • Time To Get Out Of The High-Risk Health Insurance Pool? (wglt.org)
  • Change is coming for many of the roughly 220,000 people in 35 state high-risk pools, although they may not know it yet. (wglt.org)
  • More than a dozen of the programs plan to close down in early 2014 or are considering doing so because of new guarantees for consumers in the federal health law, according to the National Association of State Comprehensive Health Insurance Plans , a membership organization for high-risk plans. (wglt.org)
  • Although shuttering high-risk pools will likely cause anxiety for those who rely on them, people may well find better, more affordable coverage on the state-based marketplaces (also called exchanges), which will open in October to offer plans that start in 2014. (wglt.org)
  • The so-called pre-existing condition insurance plans - another type of high-risk plan that was created under the health care overhaul - will cease to exist at the end of the year as well, and members will transition to other coverage. (wglt.org)
  • In Iowa, where the Petersens live, the state high-risk pool will continue to operate, at least for the time being, officials say. (wglt.org)
  • Chris Petersen says he hasn't heard anything about what's happening with the Iowa high-risk pool. (wglt.org)
  • High-risk pool members shouldn't assume states will provide a lot of assistance with making choices, says Katie Keith , an assistant research professor at the Georgetown University Center on Health Insurance Reforms. (wglt.org)
  • For consumers, if you're enrolled in high-risk pools, you need to examine your options," she says. (wglt.org)
  • It's important to keep in mind, pools come with added liability risk, meaning you may be held legally responsible for injury or negligence if a visitor is hurt on your property. (mutualfirebc.com)
  • Whether you are installing a mini pool or an Olympic size swimming pool, you are increasing both your property value and risk, meaning you will need to increase your homeowners insurance coverage. (fullerins.com)
  • This is because you are increasing your exposure to risk so your homeowners insurance coverage will need to reflect both your increased home value and new risks. (fullerins.com)
  • The risk of children falling in and drowning is the primary reason why almost all insurance companies require that you have a fence around your pool area. (reecenicholsinsurance.com)
  • Your partner for nuclear risk insurance and for insurance of ionising radiation sources since 1997. (nuclearpool.sk)
  • The first is use of general tax revenue as the main source of finance for risk pooling, a system also referred to as tax-funded health financing . (who.int)
  • however, many travelers, including those visiting friends or relatives (VFR), who are at greater risk for infection, often do not have private insurance. (cdc.gov)
  • During the past two decades, the age of initiation of sexual activity has steadily decreased and age at first marriage has increased, resulting in increases in premarital sexual experience among adolescent women and in an enlarging pool of young women at risk (1,2,3). (cdc.gov)
  • Pool Captain holds Workers Compensation and General Liability Insurances. (poolcaptain.com)
  • Experience shows that in addition there needs to be heavy reliance on compulsory sources of funding, such as taxes of various forms, payroll deductions, or mandatory insurance contributions. (who.int)
  • In some countries, a mix of the two types of approach exists: part of the population is covered directly through general taxes, whereas other specific population groups are covered either by compulsory contributions to a social health insurance fund or by various types of voluntary health insurance. (who.int)
  • No health system meets the full cost of health services out of the prepaid and pooled funds collected by tax or insurance contributions. (who.int)
  • Contributions are pooled on an aggregate level. (who.int)
  • There is a reliance on direct expenditures in China and India and a substantial presence of private insurance in Brazil and South Africa. (bvsalud.org)
  • BCG insurance profit pools is a proprietary market-sizing and forecasting model for life, property and casualty, and health insurance. (bcg.com)
  • Instead, he said the Red States had agreed that it was constitutional to require that people buy health care only through insurance (ie, Congress could ban self-pay or cash health care purchases). (theincidentaleconomist.com)
  • You can get health insurance. (theincidentaleconomist.com)
  • The online health insurance marketplaces can't open soon enough for Chris and Kristi Petersen. (wglt.org)
  • Voluntary licensing via the Medicines Patent Pool, which allows generic drug companies to manufacture a drug before its patent has expired, can offer huge positive economic and health impacts, according to a modelling study in the February issue of The Lancet Public Health . (aidsmap.com)
  • Dr Sébastien Morin and colleagues from the Medicines Patent Pool therefore decided to model its economic and health impacts, using case studies based on the experience of dolutegravir (a drug used to treat HIV) and daclatasvir (a drug used to treat hepatitis C). (aidsmap.com)
  • The Medicines Patent Pool is a UN-backed public health organisation which was set up to improve access to affordable, quality-assured medicines in low and middle-income countries. (aidsmap.com)
  • That would cut the average health-insurance premium by $1,000 a year, Kerry estimates. (indyweek.com)
  • meanwhile, the vast majority of those who don't have any health insurance, catastrophic or otherwise, get no help at all, or damned little. (indyweek.com)
  • Travel Health Insurance: What's in a Name? (gasanmamo.com)
  • Health Insurance Premium: How Much Should I Pay? (gasanmamo.com)
  • What Does Health Insurance Cover? (gasanmamo.com)
  • Private or Statutory Health Insurance: Which is for Me? (gasanmamo.com)
  • With social health insurance, entitlement is linked to a contribution made by, or on behalf of, specific individuals in the population. (who.int)
  • For this reason most social health insurance schemes combine different sources of funds, with government often contributing on behalf of people who cannot afford to pay themselves. (who.int)
  • Despite these recommendations, pretravel health services are generally not covered by provincial universal insurance plans, with few exceptions ( 18 ). (cdc.gov)
  • Factors contributing to whether they continue or return to work after cancer diagnosis include: age, physical and mental health , health insurance, education, and cancer site. (cdc.gov)
  • CONCLUSIONS: A proportion of cancer survivors may continue to work because of employment -based health insurance despite reporting poor health and significant physical and mental health limitations. (cdc.gov)
  • Health insurance helps protect you from high medical care costs. (medlineplus.gov)
  • Many people in the United States get a health insurance policy through their employers. (medlineplus.gov)
  • You can also purchase health insurance on your own. (medlineplus.gov)
  • People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid . (medlineplus.gov)
  • The Affordable Care Act expands health insurance coverage for many people in the U.S. (medlineplus.gov)
  • Need Health Insurance? (medlineplus.gov)
  • The course is designed for policy makers, advisors and analysts in the health and social sectors, senior managers of service provider organizations and health insurance funds, and other relevant actors in government (e.g. finance ministries, Parliamentarians), the private sector and civil society. (bvs.br)
  • The Oregon Medical Insurance Pool (OMIP), instituted in 1987, is designed to provide medical insurance coverage for residents of the state of Oregon with pre-existing conditions (i.e. (wikipedia.org)
  • China's online mutual aid platforms are disrupting old school insurance companies by leveraging big data and internet finance technologies to offer low cost medical coverage. (lifeboat.com)
  • The - when you enact guaranteed issue and community rating reforms, and you do so in the absence of a minimum coverage provision, it's not that insurance companies take on more and more people and then need a subsidy to cover it, it's that fewer and fewer people end up with insurance because their rates are not regulated. (theincidentaleconomist.com)
  • The pools, some of which have been in existence for decades, offer last-resort coverage for people like the Petersens who have medical conditions that make them otherwise uninsurable. (wglt.org)
  • Most home insurance companies require you to have a fence around your swimming pool as a condition of coverage, whether the pool is above ground or inground. (policygenius.com)
  • If you fail to install a fence within the required timeframe, they'll likely deny coverage for your pool in the event you do need to file a claim, or they may cancel your policy altogether. (policygenius.com)
  • Remember to contact your insurance broker to learn more about coverage options to enhance your home insurance and confirm you're protected. (mutualfirebc.com)
  • Practicing common safety tips as required by your specific insurance policy will ensure your coverage is not void in an unfortunate situation. (mutualfirebc.com)
  • There are a few factors to consider when it comes to your homeowners insurance coverage, which is why we have gathered a list of 3 ways a pool may affect your home insurance policy. (fullerins.com)
  • If you do not have much leeway with the personal contents coverage portion of your homeowners insurance policy, keep in mind that the extra pool furniture, equipment, and accessories will all contribute to your value of personal possessions. (fullerins.com)
  • If you own a home with a pool-or what's commonly known in the insurance industry as an "attractive nuisance"-you may need to adjust your insurance coverage. (reecenicholsinsurance.com)
  • You can also take out extra insurance coverage in the form of umbrella insurance. (reecenicholsinsurance.com)
  • Whether you're purchasing a new home or looking to reevaluate your coverage, keep this important information in mind when it comes to insuring your home's pool. (reecenicholsinsurance.com)
  • Always swim near a lifeguard at the pool or beach in the areas they designate. (savainsurance.com)
  • When any lifeguard chair is empty, the remaining lifeguards may not be able to see the entire pool and when lifeguards are seated in low chairs, their view can be blocked by patrons in the pool. (kuhlinsurance.com)
  • The average salary for a pool attendant is $14.54 per hour in the United States. (indeed.com)
  • These would be your standard pools and spas built into the ground. (suncorp.com.au)
  • Portable spas and those inflatable pools your kids love are all covered under Contents Insurance , or Home and Contents Insurance . (suncorp.com.au)
  • Do not play or swim near drains or suction outlets, especially in spas and shallow pools, and never enter a pool or spa that has a loose, broken or missing drain cover. (kuhlinsurance.com)
  • My good buddy, Tom Grail, told me the parable of Hurricane Ike Insurance Claims. (propertyinsurancecoveragelaw.com)
  • Property insurance law is a highly complex and specialized area of law and our firm represents policyholders when claims are denied, delayed or underpaid. (propertyinsurancecoveragelaw.com)
  • CDC compared Medicaid and employer-sponsored insurance (ESI) claims for "psychological services" (the procedure code category that includes behavior therapy) and ADHD medication among children aged 2-5 years receiving clinical care for ADHD, using the MarketScan commercial database (2008-2014) and Medicaid (2008-2011) data. (cdc.gov)
  • You'll want to install a pool fence to make sure children and pets don't go swimming without supervision. (hfsfinancial.net)
  • The guaranteed issue and community rating reforms do not have the effect of forcing insurance companies to take on lots of additional people who they then can't afford to cover because they're - they tend to be the sick, and that is - in fact, the exact opposite is what happens here. (theincidentaleconomist.com)
  • They work (or else Medicaid would cover them), but they don't make a lot of money, and their employers don't pay for their insurance. (indyweek.com)
  • Among young children with either Medicaid or employer-sponsored insurance, just over 75% of young children in clinical care for ADHD received ADHD medication for treatment. (cdc.gov)
  • Yet only about 54% of the young children in Medicaid and 45% of the children with employer-sponsored insurance (2011) annually received psychological services (including parent training in behavior therapy). (cdc.gov)
  • They lost their private insurance when the insurer claimed that Chris had failed to report a pre-existing hernia that he subsequently had surgically repaired, and Kristi was shorter than she'd reported - so she had a higher body mass index than the insurance company would accept. (wglt.org)
  • How high the fence needs to be and whether a lock is required will vary by insurance company. (policygenius.com)
  • It then approaches the pharmaceutical company that owns the patent for a specific medicine, and requests that they issue a license which would allow the Medicines Patent Pool to manufacture generic versions of the medicine before the patent expires. (aidsmap.com)
  • It means, quite simply, that if you're the unlucky one who gets cancer, or a crippling stroke, or any other very expensive disease, your insurance company doesn't get stuck with the whole bill. (indyweek.com)
  • If you're looking for a pool installation company that delivers beyond expectations, Easy Pools is the way to go. (homestars.com)
  • How much the insurance company will pay out depends on your specific policy and deductible. (reecenicholsinsurance.com)
  • In addition to making your pool safer, incorporating these safety measures may make you eligible for a discount from your insurance company. (reecenicholsinsurance.com)
  • Apple insurance has been my insurance company for over 20 yrs. (appleinsuranceservices.com)
  • It is a contract between you and your insurance company. (medlineplus.gov)
  • I get to focus solely on treating patients and get to ignore the red tape associated with billing and insurance company/durable medical equipment reimbursement. (medscape.com)
  • In Canada, over 277 deaths are recorded each year due to drowning, with 32 of them in private pools. (mutualfirebc.com)
  • In fact, drinking was a factor in half the swimming pool drowning deaths of teenagers and adults, according to the CDC. (makowskiinsurance.com)
  • Virginia Graeme Baker, after whom the Pool and Spa Safety Act is named, died from drowning due to a suction entrapment from a faulty drain cover. (kuhlinsurance.com)
  • 37% of Pool Attendants in the United States think their salaries are enough for the cost of living in their area. (indeed.com)
  • The pool is heated and manned with fully qualified pool attendants. (gasanmamo.com)
  • An inground pool can be prone to flooding under certain circumstances, and if it's placed somewhere that poses a flooding threat to your home, you may have property damage. (hfsfinancial.net)
  • If you have a pool or spa, here are seven simple tips to keep your children and their friends safe during swim season. (lordsinsurance.com)
  • Homeowners should be aware of the risks and how it may affect home insurance. (mutualfirebc.com)
  • Understanding Insurance Implications Of Pool Ownership Adding a swimming pool to your backyard may seem like the most opportune idea now, but it is important to consider the risks and insurance implications of this home addition. (fullerins.com)
  • We don't cover the electric motor of your swimming pool water pump, unless you have ''motor burnout'' as an optional cover. (suncorp.com.au)
  • We specialize in complete swimming pool remodeling, pool resurfacing and pool replastering, including pool tile, decking, water features and more. (poolcaptain.com)
  • Pool water will need sanitizers as well, and there are three to choose from. (bitrebels.com)
  • Scuba instructors need pools to teach confined water sessions. (tdisdi.com)
  • Pool operators can provide the space for these confined water sessions. (tdisdi.com)
  • Taking a bathroom break in an actual restroom rather than in the pool water is always a welcome custom. (tdisdi.com)
  • Understanding that pool operators have other commitments to their programming first and foremost means being flexible when it comes to scheduling your confined water sessions. (tdisdi.com)
  • Warner lies in a harness at the end of a crane which is being operated by a blindfolded Moyles, who must move Warner to just above a pool of water containing yabbies, crabs and eels - as well as stars, which he is trying to grab while not being fully plunged into the pool. (yahoo.com)
  • When children are in the pool, a responsible adult should watch them at all times. (makowskiinsurance.com)
  • Powerful suction from a pool or spa drain can even trap an adult. (kuhlinsurance.com)
  • You can correct me if these figures are wrong, but it appears to me that the CBO has estimated that the average premium for a single insurance policy in the non-group market would be roughly $5,800 in - in 2016. (theincidentaleconomist.com)
  • The backyard pool can be great summer fun, but it can also be a source of danger for children. (lordsinsurance.com)
  • A cool dip in your backyard pool is a great way to enjoy the afternoon on a hot day. (mutualfirebc.com)
  • there are tens of thousands of pool-related injuries each and every year. (hfsfinancial.net)
  • Most people think Home Insurance only covers damage to your home and property, but we cover 'damage to people' too - and by ''people'' we mean visitors who don't live on your property, as well as their belongings. (suncorp.com.au)
  • So the mandate is forcing these people to provide a huge subsidy to the insurance companies for other purposes that the Act wishes to serve, but isn't - if those figures are right, isn't it the case that what this mandate is really doing is not requiring the people who are subject to it to pay for the services that they are going to consume? (theincidentaleconomist.com)
  • This graph shows the total number of publications written about "Insurance Pools" by people in this website by year, and whether "Insurance Pools" was a major or minor topic of these publications. (umassmed.edu)
  • Below are the most recent publications written about "Insurance Pools" by people in Profiles. (umassmed.edu)
  • While lifeguards are there to save people who may be in trouble, you are in charge of the children you take to the pool or beach. (savainsurance.com)
  • Many pool owners don't realize this, but there are laws that people need to follow regarding proper pool management. (bitrebels.com)
  • However, when people install their backyard pools, they don't often consider the disaster that could strike. (hfsfinancial.net)
  • HIV/AIDS, diabetes, etc.) who do not already have private insurance. (wikipedia.org)
  • It functions similarly to other private insurance. (wikipedia.org)
  • The facility has been equipped with an indoor Run & Drive auction and private office space for insurance personnel. (vehicleremarket.com)
  • Unfortunately not every instructor or shop has access to their own private pool. (tdisdi.com)
  • Does home insurance cover pool damage? (suncorp.com.au)
  • Pool houses and furniture are covered under Suncorp Building Insurance - just be sure that your sum insured can sufficiently cover both your main house and external buildings. (suncorp.com.au)
  • So, if a guest slips near your pool - or is injured anywhere on your property - we'll cover your legal liability with up to $20 million in legal, medical, and related costs. (suncorp.com.au)
  • Along with sunscreen and beach towels, another essential part of a pool outing is your swimsuit cover-up . (wfla.com)
  • Do You Need Extra Insurance to Cover Your Pool? (hfsfinancial.net)
  • Homeowners insurance will cover damage to the actual structure of the pool from certain events, such as fire, thunderstorms, hail, or vandalism-similar to what your house would be protected against. (reecenicholsinsurance.com)
  • If you have a pool or want a pool in the Greater Tulsa area then we are the peop le to call. (dexknows.com)
  • Limit alcohol use around the pool area, as drinking can affect balance, coordination and judgment. (makowskiinsurance.com)
  • This series of pools was also informally called the "Seven Sacred Pools" in a shrewd easy-to-remember marketing attempt at bringing more visitation to the area by a local businessman. (world-of-waterfalls.com)
  • Back when the Hana side of Maui was unknown to travelers, it was said that the owner of the Hotel Hana dubbed this area the "Seven Sacred Pools" to lure more tourists. (world-of-waterfalls.com)
  • After a little exploring of the area, we managed to find a spur trail providing a comprehensive look back at the falls and pools as well as the coastline. (world-of-waterfalls.com)
  • Other good safety measures you might want to consider are installing lights around the pool area, making sure that the surface around it is non-slip, and keeping a first-aid kit nearby. (reecenicholsinsurance.com)
  • Install a door alarm from the house to the pool area, and keep pool and spa covers in working order. (kuhlinsurance.com)
  • While offering state-of-the-art pool facilities, the gym also has a dedicated area for children. (gasanmamo.com)
  • The pool also comes with a high-quality gym in the area, with different prices and is open from 5.30 am to 10 pm on Mondays to Fridays and 7 am to 5 pm on Saturdays, with Sunday open from 7 am to 1 pm. (gasanmamo.com)
  • As a competitor in the rapidly changing global insurance industry, you know there's no crystal ball that can predict the future of your business. (bcg.com)
  • We'll recommend you to some of the best dealers in the industry, too, so there's no reason you should be afraid of working towards that dream pool or dream spa when you apply for a loan with HFS Financing. (hfsfinancial.net)
  • Among other topics, attendees will learn the best way to shield their companies from payment disputes, benefit from recent legislation affecting the industry, and obtain the right insurance for their businesses. (poolspanews.com)
  • For example, raising external services around the home - including pool pumps - to minimise future flood damage. (suncorp.com.au)
  • Products and services including banking, home loans and insurance are provided by different entities of the Suncorp Group. (suncorp.com.au)
  • You are financing your burial services right now because eventually you're going to die, and somebody is going to have to pay for it, and if you don't have burial insurance and you haven't saved money for it, you're going to shift the cost to somebody else. (theincidentaleconomist.com)
  • I would recommend their services to anyone seeking to put in a pool, decking, and landscaping. (poolcaptain.com)
  • We're thrilled with our new pool and highly recommend their services! (homestars.com)
  • Contact Apple Insurance Services today to experience the ERIE difference for yourself. (appleinsuranceservices.com)
  • the entire staff at Apple Insurance Services are among the best. (appleinsuranceservices.com)
  • Although state percentages varied, overall nationally no more than 55% of children with ADHD received psychological services annually, regardless of insurance type, whereas approximately three fourths received medication. (cdc.gov)
  • In addition, the higher prevalence of STDs among adolescents reflects multiple barriers to quality STD prevention services, including lack of insurance or other ability to pay, lack of transportation, discomfort with facilities and services designed for adults, and concerns about confidentiality. (cdc.gov)
  • As a result, I hope to be able to provide you with some tips that can make the relationship between diver and pool operator harmonious and beneficial to both parties. (tdisdi.com)
  • Check Equipment, Leaf net the top of the pool, Clean the skimmer basket and pump basket, Chemicals checked and balanced, Clean and backwash filter once per month. (poolcaptain.com)
  • This calculator estimates your chances of becoming disabled and your potential need for disability insurance. (reecenicholsinsurance.com)
  • We also require that all of our subcontractors produce evidence that they hold up to date insurance certificates prior to working on your property. (poolcaptain.com)
  • Home insurance companies will require you to install a fence, but the legal requirements for the height of the fence is determined by your municipality. (policygenius.com)
  • Your town or city may legally require you to have a fence around the perimeter of your entire property or just around your pool, while some may require you to have both. (policygenius.com)
  • Over time, Captives have the power to stabilize your insurance premium and realize the lowest net cost. (haylor.com)
  • Thin pavers are the most cost effective, permanent solution to remodel your pool deck on the market today. (poolcaptain.com)
  • When signing up for homeowners insurance, it's important to include the "build cost" of your entire property. (reecenicholsinsurance.com)
  • This is the amount of money it would cost to rebuild your home and the surrounding property, including a pool. (reecenicholsinsurance.com)
  • The cost of the pool will drive up the build cost of your home, meaning your monthly premium for homeowners insurance will likely be higher. (reecenicholsinsurance.com)
  • Some insurance companies will consider an above-ground pool as a piece of property and not as part of the actual build cost of your home. (reecenicholsinsurance.com)
  • The pool is indoor and is 25m long, and opens from Monday to Friday from 7 am till 9 pm and Saturday from 6 am till 6 pm with Sunday also open from 6 am to 2 pm. (gasanmamo.com)
  • If you want a policy that covers both, Suncorp Home and Contents Insurance is a good bet. (suncorp.com.au)
  • Home insurance would likely deny your liability claim in this scenario since you didn't install a fence, and therefore broke a condition of your home insurance policy. (policygenius.com)
  • Mutual Fire Insurance now offers more flexibility for policyholders with a new option to pay your insurance policy online! (mutualfirebc.com)
  • We will help you calculate how much your home insurance policy will increase by and help you comply with all safety regulations. (fullerins.com)
  • Your in-ground pool will be listed specifically as a pool on your policy. (reecenicholsinsurance.com)
  • It usually covers up to a certain amount in legal fees if a guest is injured at your pool in addition to a separate amount of personal liability, depending on your policy. (reecenicholsinsurance.com)
  • Established in 1985, Merlin Law Group is a leading insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. (propertyinsurancecoveragelaw.com)
  • The authors hope they will encourage policymakers and pharmaceutical companies to consider voluntary licensing via the Medicines Patent Pool as an option for increasing the availability of medicines urgently needed by low- and middle-income countries. (aidsmap.com)
  • Once the Medicine Patent Pool has the license, they sub-contract manufacturing to several generic pharmaceutical companies. (aidsmap.com)
  • There are also local and state laws in your town that may have regulations surrounding pool ownership. (reecenicholsinsurance.com)
  • First, a spokesperson of Texas Windstorm Insurance Association indicated in a news article that it was going to take its time, and ensure that the Texas wind pool would not pay for anything caused by storm surge. (propertyinsurancecoveragelaw.com)
  • In the meantime, enjoy your time in the sun in your very own pool. (bitrebels.com)
  • Building good relationships with them can make a difference when it comes to the delicate art of reserving pool time. (tdisdi.com)
  • While it may be difficult, it is a good idea to build time into your pool sessions for at least one bathroom break. (tdisdi.com)
  • Now is the perfect time to start planning for your new swimming pool, spa or hot tub. (hfsfinancial.net)
  • This swimming pool in Malta is your destination to train and enjoy leisure at the same time. (gasanmamo.com)
  • I also enjoy swimming laps in the pool followed by some time in the sauna. (medscape.com)
  • For example, a neighbor's child could wander into your backyard and fall into your swimming pool and drown, and you could be found legally responsible. (policygenius.com)
  • Additional liability insurance may support you if you are held legally responsible for an injury. (mutualfirebc.com)
  • Make sure your pool is protected by a fence. (lordsinsurance.com)
  • If you're looking to avoid any kind of insurance mishap, you'll want to consider how to make your pool safer and more practical. (hfsfinancial.net)
  • How much does a Pool Attendant make in the United States? (indeed.com)
  • Before installing a new swimming pool, be sure to check with both your city and insurance carrier to make sure that you are complying with all legal requirements. (fullerins.com)
  • Their dedication to customer satisfaction and their willingness to go above and beyond make Easy Pools the go-to for anyone considering a pool installation. (homestars.com)
  • The type of pool you have does make a difference when it comes to insuring it. (reecenicholsinsurance.com)
  • it's a great thing to have and it beats heading to a public pool. (bitrebels.com)
  • Asha Pinkney-Gillus said with inflation and the lack of free activities for D.C. families, having the pool as an option for a few more weeks is a great idea. (wtop.com)
  • Pools are a great way to provide yourself with ample relaxation, soothing evenings, and exciting summer days. (hfsfinancial.net)
  • Thanks for great words about us and Easy Pools team! (homestars.com)
  • In-ground pools are the basic ones that are more durable and bigger, but the costs to maintain, repair, or renovate it are very high. (bitrebels.com)
  • A new pool in London connects two high rises. (kron4.com)
  • Insurance through employers is often with a managed care plan. (medlineplus.gov)
  • Unsure what type of Home Insurance covers what? (suncorp.com.au)
  • Another thing is that all pools should have pool covers when weather conditions don't permit swimming. (bitrebels.com)
  • Looking for Swimming Pool Covers in Tulsa, OK? (dexknows.com)
  • With these simple steps, you can increase the safety of your pool or hot tub, without any loss in the fun and joy they bring. (lordsinsurance.com)
  • Many new pool owners assume that extra safety measures are preferred, but many are actually required by law. (fullerins.com)
  • Pool safety advocates say it's important to build "layers of protection" around your home swimming pool. (makowskiinsurance.com)
  • Invest in pool safety equipment, such as a life hook, life rings and safety rope. (makowskiinsurance.com)
  • Always be present when children are using the pool. (lordsinsurance.com)
  • The Call Me MISTER ® program is contributing to the talent pool of excellent teachers by identifying and supporting students like Mr. Mark Joseph who are literally "touching the future" by teaching children. (clemson.edu)
  • A fence of at least four feet in height should surround the pool or spa on all sides and should not be climbable for children. (kuhlinsurance.com)