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Rabu, 07 November 2012

The Type of insurance

This flexible approach to insurance quotes is incredibly standard within the u.  s. and offers a true various to straightforward term and mortgage life policies wherever the client doesn't usually profit directly from the insurance fund, unless they're diagnosed as terminally sick. Universal insurance conjointly provides policyholders with the flexibility to earn interest on their insurance premiums - one thing that a customary life policy doesn't provide. 

Whole insurance is just one in all many styles of insurance policies obtainable through life corporations nowadays. In contrast to insurance or mortgage (reducing) insurance, whole insurance offers your insurance money price, permitting you to withdraw funds accumulated on your universal policy as and once needed. 

Universal insurance is permanent insurance that offers you flexibility. For example: when choosing the initial premium and therefore the quantity of death edges, you'll decide once and the way abundant you would like to get hold of your policy. You'll increase the payment to determine the worth of the extra cash, scale back the quantity of death edges, scale back payments or maybe miss payments as long as your money price is adequate cowl the price of life insurance policies and alternative connected prices. 

Variable insurance possibility kind of like universal insurance, however it's not price your cash growing at a set rate, you'll prefer to obtain the policy variables that will increase or decrease in price.

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Minggu, 21 Oktober 2012

The Importance of Immunization Awareness

As summer winds down and you enjoy the remaining warm weather this autumn, keep immunization awareness in mind. While getting a shot may not be your most relished errand, it is going to be a whole lot more pleasant than ending up with measles, diphtheria, rubella, or any of the countless other completely preventable diseases that Americans still suffer from every year. Take time this fall to ask your doctor what immunizations you and your children should be getting to stay protected.

Back to School Protection 
As you get your kids ready for back to school, remember that you're sending them off to be exposed to tons of people (which is great) and all of the germs those people potentially carry (which is not so great). Childhood vaccinations follow a very strict schedule, so staying up to date will be fairly simple as long as you are aware of what they need. Children under six require a series of shots that give them protection against measles, polio, chicken pox, and hepatitis. Once they are in their preteens, at age 11 or 12, they will have to get shots for tetanus, diphtheria, whooping cough, and meningitis. Pre-teens and teens should also be immunized against HPV (or human papillomavirus). Teens of age 16 need booster shots for meningitis.

Adults Need Shots Too 
If you have kids, your health may not always get enough attention, but in order to keep taking care of them, you have got to stay healthy too. Every 10 years, you should be getting a booster to protect you against tetanus and diphtheria. It can be tough to remember, because you probably don't have a school reminding you what you need in order to reenroll, but if you feel as though it has been almost ten years, you should check with your doctor to see if it is time. And, if you are 65 or older, you should have already gotten a one-time pneumonia shot.

The Importance of Preventative Care 
Those that stay the healthiest are oftentimes those that invest the most into their health before problems develop. Thanks to the developments of modern medicine, disease and illness prevention is easier than ever. The sicknesses that used to haunt the nation, like polio, small pox, and influenza, now really never need to occur, so long as we take the time to get the shots we need. With most health insurance plans, immunizations are not only offered but encouraged, as being properly immunized saves money in the long run by keeping your healthy. So, this fall, stay smart and protect yourself with the right immunizations.

Kamis, 23 Agustus 2012

Myth: Your Company Is Too Small for Group Insurance

There is a common misconception amongst owners of small businesses that their companies are not large enough to warrant a group health insurance plan. These business owners are often misinformed about the nature of the plans that many health insurance providers have to offer, and are all missing out of the many benefits of a group plan. Here are just a few of the reasons you may be feeling hesitant about seeking out group insurance and why you may want to reconsider that choice.

Myth #1: Group Insurance Is Too Expensive

Like any smart, savvy business owner, you are going to view potentially unnecessary business expenditures with a critical eye. This is always smart, but if you write off the possibility as too costly without actually investigating your options, you are not truly being critical enough. Many health insurance providers are very aware of the particular needs of small businesses. In response, there are now a surprising number of options for group insurance plans that are affordable, even for a small business budget. You should at least look into the kind of pricing that is out there, and weigh the costs against the detriments of not providing insurance. Consider, especially, the cost effectiveness of having employees healthy enough to work to their fullest capabilities and happy enough with their jobs to have the desire to do so.

Myth #2: Group Insurance Is Not Flexible Enough

Your business is unique. Chances are high that there is no ready-made plan that will be a perfect fit in taking care of your individual requirements. This, however, does not mean that you have no options. Just as insurance providers are aware of your cost issues, they know that for small businesses, a cookie cutter plan just is not going to cut it. In response, you will find that you have a number of options for a completely customized group plan that takes into account what you really need, keeping in mind what you are willing to pay for it.

Myth #3: Group Insurance Will Create Unnecessary Administrative Burdens

Of course, it is true that adding a group insurance plan will require some administrative work behind it. Luckily, as technology continues to improve, many providers have almost completely taken on this task themselves. Most often this leaves small businesses with only very limited tasks to handle, which are often done on user friendly online interfaces. This, like any other feature, will not be true of all companies, but if you search around you can almost certainly find a provider that will do the bulk of administrative tasks for you.

Rabu, 25 Juli 2012

Encourage Wellness in the Workplace to Reduce Insurance Costs

Many group health insurance plans are priced on the basis of how much they are used. The best way, then, to keep your insurance costs as low as possible is to have employees who are as healthy and fit, and that thus require less overall treatment for health issues. Encouraging wellness in the workplace is one of the easiest ways to keep your workers healthy, and can be just as fun as it is cost effective. Here are a few methods that you may want to implement to encourage workplace wellness.

Step Challenges

One of the most prevalent causes of health problems in Americans today is an increasingly sedentary lifestyle. Offering employees a "step challenge" is a great way to fight against our tendency to spend all of our free times parked in front of a screen. Handing out pedometers to count how many steps your staff takes is a great way to set up a competitively fit work environment. You can offer prizes to those who walk the most or complete certain long term goals. All it takes is a bit of extra walking, but that extra walking can make an unbelievable difference for individual health. You might even like to join in on this challenge yourself.

Allow Standing Desks

Of course, there are many times when you need your employees parked in front of screens, but there is no reason that this needs to be done sitting down. Allowing standing desks may seem a bit unusual, but if a person can get as much work done on their feet as they can in their seat, than the option that requires a bit more muscle is the better choice for everyone. 

Encourage Hand Washing

The best way to prevent the spread of germs throughout the office is not to simply encourage hand washing, but to make it easy. Having restrooms always stocked with soap and making hand sanitizer readily available in a variety of locations will make hand sanitation a more natural habit for your staff. This is not to say that they would not be keeping clean anyway, but it never hurts to make good habits just a little bit easier to keep up with.

Healthy Recipe Challenges

If it seems that many of your employees are choosing meals that are not the best for them, a fun way to correct this behavior is by setting up a healthy recipe challenge. Organizing an optional weekly pot-luck lunch, with prizes for the bests healthy recipes will encourage healthier eating throughout the week. This is also a great way to boost company morale and teamwork in general.

Kamis, 21 Juni 2012

The Exceptions to Being Covered on Your Parents' Health Insurance

Whether you are just moving off to college, or finally graduating and beginning your new career, if you are like many young adults across the country you likely are still on your parents' health insurance plan. You should be aware that while this may protect you in certain instances, it is often not enough. Chances are that if you investigate the fine print of the plan, you will find that your coverage under their insurance is actually quite limited in what it will cover and where, partially because it will be tailored to their needs and location, not yours. Here are a few issues you may run into by staying on their plan.

Moving Out of State

Starting college or a new job often brings us out of state, which can be the perfect opportunity to see a little more of the world and experience a way of life that is a little new and unfamiliar. Unfortunately, for many health insurance plans, you will only be covered in the state that your parents live. This is still good protection if you get a sickness serious enough to warrant traveling back home for treatment. Letting a health issue get this far, however, is never a good idea. Foregoing things like regular check-ups and doctor visits for what begin as minor health issues are often the cause of developing more serious medical complications. Make sure that when you leave home, you are covered wherever you happen to be living, so you can get the treatment you need, when and where you need it.

Dental Problems

One of the worst types of check-up to ignore is the kind you get from your dentist. Regular cleaning and examinations are critical to your health, and minor problems can quickly develop into very painful issues if you are not keeping up with them. You should know that while you probably qualify to be on your parents' health insurance plan until you turn 26, in most cases this will not include dental.

Individual Plans

The benefits of seeking out an individual health care plan go beyond moving out of state and needing dental insurance, though those are each important factors. In acquiring your own plan, you will be able to get custom coverage that will serve your unique needs, and make decisions about your plan that can benefit you when you really need it the most. Many young adults are nervous and unsure about the issue of seeking out their own plan because it is stepping out into such unfamiliar territory. However, this is just another one of those steps into adulthood that you will discover is not nearly as scary as it seems, and that you will be grateful you took in the long run. If you have questions, an insurance broker will be able to guide to you to the plan best suited to your needs

Kamis, 24 Mei 2012

What Effect Will the Supreme Court's ACA Ruling Have on Me?

The United States Supreme Court ruled this summer that most of the provisions of the Affordable Care Act were constitutional. Unfortunately, with all the hype about the law, most people have no idea what the ACA actually means to them.

Denials for Pre-Existing Conditions

We've all heard the stories about people who simply could not get health insurance. Whether it was a heart condition diagnosed last year, childhood cancer, or some form of chronic illness, many insurance companies simply did not offer health insurance to some people. The bottom line for the insurer was that these people had already proven to be expensive medical risks. Their premiums were unlikely to cover the costs of future treatment.

Under the Affordable Care Act, insurance companies can no longer deny clients based on their previous health. They can, however, charge higher premiums based on your health history. The monthly premiums and deductibles may be high, but insurance companies must at least offer some form of coverage.

Keep Paying for Your Children

Many parents have decent insurance through their employers, but young adults, especially, those at college age or in their early 20s, may not have access to employer-sponsored healthcare. While they are getting started with their careers or paying off student loans, health insurance might not be a primary life goal. But with the Affordable Care Act, parents can continue to help their children out for a few more years.

Parents have the option to keep adult children on their insurance until the child reaches the age of 26. For young adults struggling to get by, this can mean the difference between regular doctor visits and no coverage at all.

Insurance Availability

Generally speaking, group health insurance is less expensive that individual policies, but for dozens of reasons, people might not be able to qualify for a group policy. Traditionally, most group policies were through an employer, but for the small business owner, work-at-home parent, and those with chronic diseases, an employer-sponsored plan might not be available.

The ACA allows each state to create health insurance group offerings for those who otherwise might not be able to find group insurance. The benefit of a group plan is that the risk is spread to all the group members, usually meaning smaller costs to each member. Under the Supreme Court ruling, the ACA allows states to create so-called insurance exchanges to allow people to find coverage at more affordable group rates.

Despite the Supreme Court's ruling, or maybe because of it, the ACA remains confusing. Hiring an insurance broker to help you identify the plan that best meets your needs is still a great option. A broker can help you look through the offerings and decide what is right for you.

Sabtu, 28 April 2012

How to Reduce Healthcare Costs

With the discussion of the Affordable Care Act, reductions in Medicare spending and changes in employer-offered healthcare, almost everyone is concerned about the costs of staying healthy. One issue is that for years, no one has treated healthcare like a commodity. We went to the doctor when we needed to and paid what they told us to. Now, to save money on healthcare, treat it like any other major purchase. Shop around and save.

Understand Your Insurance Plan

Many people end up paying more than they need to for healthcare because they simply don't understand what their insurance policy covers. Knowing which doctors you can see, when you need a referral and what medications or treatments are covered can save you hundreds or even thousands of dollars. Work with you healthcare provider to find less expensive alternatives and opt for preventative care to avoid costly illnesses.

Shop Around

Even if you have insurance, shop around when looking for major medical procedures. The cost of an MRI, for instance, can vary greatly depending on where the test is performed, what machinery is used, and when you have it done. Non-hospital facilities will often offer considerably lower rates in an effort to attract patients.

And don't be afraid to ask for a discount. Some providers already reduce their fees for insurance companies, especially the ones that they are preferred providers for, but asking if there is a discount available for paying cash at the time of the service can often save you money. If it's something your insurance will eventually pay for, the provider's office may even be willing to help you file the claim and still give you a discount just because the cash flow happens more quickly when you pay the day of service.

Get Healthy

The absolute best way to reduce your healthcare costs is to get healthier. That means eating properly and getting some exercise. Your employer may offer nutrition counseling or support programs to help you get more fit. Some employers will help pay for a gym membership or have employer sponsored recreational activities meant to help increase your fitness level.

This is especially important if you have a family history or chronic illnesses like heart disease or diabetes. Making a pre-emptive strike to get healthy before you are diagnosed with a major illness can help reduce your insurance premiums and your overall healthcare expenses.

Additionally, annual check-ups can help detect illness before it becomes a major expense. Be sure to see your healthcare provider regularly.

Finally, make sure you get the health insurance coverage you need. Insurance brokers can help you devise a plan that fits the needs of you and your family and is tailored to both your financial and health needs.

Rabu, 21 Maret 2012

6 Key Features of HIPAA Exams

Keeping in mind there is a possibility of exploitation of protected medical information, the Health Insurance Portability and Accountability Act was enforced. This Act aims at controlling fraud related to medical records of patients. HIPAA has various rules and regulations that specify the usage and access of sensitive patient information.

HIPAA exams are made available for all health care workers dealing with patient health information so that they can be aware of their duties towards safeguarding sensitive information and the regulations and rules that HIPAA lays down. It is up to you to choose from among the various training programs available according your specific requirements.

When HIPAA rules are not strictly adhered to, there are severe implications. The penalties range from fines to imprisonment or both depending on the type of offense committed. When some employees are seen committing violations repeatedly, they are bound to lose their license to work and the health care organization may also be put out of practice. Hence, it is highly essential that all health care workers handling sensitive patient information must be properly trained so that 100% compliance is seen. This will ensure lesser violations.

Six key features of HIPAA Exams are mentioned below:

• All the material for the training program is often made available to you mainly through PowerPoint and other types of presentations. This makes the lessons easy to grasp. There is an option of online training, and if you choose that, you can download these presentations and use them as and when you desire.

• As mentioned earlier, training sessions are provided in classrooms as well as online. You can choose the medium that is most convenient for you. If you have a busy work schedule, online training will benefit you greatly as you can work around your work timings to complete your course.

• The cost of HIPAA training varies with the type of course as well as the training organization. You can look for a couple of good courses and make your decision looking at the comparative costs. However, make sure you don't compromise for the quality of training. Choose only a good, reputed organization.

• Once you complete your course, you will most likely have to take an exam. Again, you can do this in the classroom or online. Once you pass the exams, you have successfully completed your HIPAA training.

• To prove that you have indeed completed the training you need a certificate. Successful completion of the exam entitles you to a certification. There are different types of certifications provided based on the type and duration of your course.

• As HIPAA regulations are continuously being modified and altered, it is essential that you keep yourself up to date with the newest additions. For this, you can take a fresher course after every six months to a year. This is also very important as not knowing the rules can lead to accidental violations.

It is the health care organization and its employees' responsibility to safeguard the patient information and HIPAA exams are the medium for them to make sure they are complying with the rules. It teaches you the processes you need to perform and this in turn helps in fewer violations.

Rabu, 22 Februari 2012

What 2 Things Do You Need to Know About HIPAA Certification?

All US healthcare professionals are required to obtain their Health Insurance Portability and Accountability Act (HIPAA) certification in order to ensure a transparent and efficient medical system. Read below to find out more about the various types of HIPAA certification exams and about the curriculum you need to prepare for each one of them.

• HIPAA Certification Curriculum:

In order to be able to pass the HIPAA exams and receive a certificate validating their knowledge, trainees have to study a certain curriculum. The curriculum includes an introduction to HIPAA, detailing its enactment, regulations, and goals, an introduction to the HIPAA Privacy Rule, other advanced privacy topics, HIPAA Security, standards for electronic transactions, administrative safeguards, and physical and technical safeguards.

People wanting to obtain a HIPAA Specialist certificate will have to prepare a more extensive curriculum. The topics they will have to learn include regulatory compliance and security, financial security and services, Payment Card Industry Data Security Standard (PCI DSS) requirements, digital healthcare and security, International Organization for Standardization (ISO) standards, US State Government Requirements, business continuity planning, and cyber security strategy.

These training modules are offered by various healthcare training companies and they are often bundled up in courses called HIPAA Basic and HIPAA Advanced, according to the type of certificate each healthcare worker needs to obtain. If you cannot find the right bundle of courses you need for your HIPAA certification, contact the training company to see if they can provide you with the exact curriculum you need for your exam.

• Types of HIPAA Certifications:

There are three types of HIPAA Certification exams healthcare professionals can sign up for, according to what job responsibilities they have. The easiest exam, the Certified HIPAA Administrator or CHA for short, is meant for people working in the healthcare industry who do not have access to confidential health data. In order to pass this exam, trainees will only have to prepare some basic information about HIPAA and the Privacy Rule, or, in other words, the HIPAA Basic training course.

The Certified HIPAA Professional (CHP) is an exam created for healthcare professionals who have direct contact with patient records. In order to be able to pass it, applicants will have to undergo the HIPAA Advanced training course, which also focuses on security requirements apart from the Privacy Rule. Candidates for the CHP exam will also have to prove their knowledge in topics such as electronic transactions and administrative, physical, and technical safeguards.

The third and most complex exam, the Certified Security Compliance Specialist or CSCS, is designed for security officers, compliance professionals, compliance managers, privacy officers, security officers, and senior IT staff. This certificate validates a healthcare professional's knowledge and skills in areas like information security, legislations, frameworks, and international standards.

These are some of the most important things any healthcare professional should know about how HIPAA certification works. If you are still not sure which certificate is suitable for you, contact a senior manager in your institution or any HIPAA training company for more information.

Rabu, 11 Januari 2012

Filling Gaps in Coverage With Short Term Health Insurance

There are many different reasons why you may have a gap in your health insurance, but it's important to stay covered. Even the smallest gap in insurance can leave you vulnerable to the high bills that an accident or sudden illness can cause. Fortunately, you can cover any gaps in your health insurance coverage with short term coverage.

Why You Might Need Short Term Coverage

The most common reason why individuals need short term coverage is that they are switching jobs. If you leave one job with coverage, you often have to wait a few months before coverage at your new position kicks in. Other instances where individuals might find a gap in their coverage include if the insured spouse dies, if a couple gets divorced, and when a child graduates college and is no longer covered by their parents' insurance.


If you are leaving a job with group health coverage, you may be eligible to continue your coverage if you meet the requirements set up by COBRA, or the Consolidated Omnibus Budget Reconciliation Act of 1985. COBRA requires companies with 20 or more workers to offer continued access to group insurance plans in the event that an employee or their dependents would lose coverage, such as at the end of employment (for reasons other than gross misconduct), divorce, or death. COBRA provides the option of 18 to 36 months of coverage, depending on circumstances. However, the premiums may be high for COBRA coverage. Departing workers can be required to pay up to 102% of their premium.

State Continuation of Coverage

Depending on your state's laws, you may be able to temporarily continue your coverage even if you're not eligible for continuing coverage through COBRA. This mainly applies to employees from companies with fewer than 20 employees, who are not covered by COBRA statutes. Individual states have statutes to extend coverage for 3 to 6 months, but the states that offer this are limited. To know if yours is one of them, you need to check with your state's health department or insurance commissioner.

Individual Coverage

Individual short term insurance is also a great stopgap if your health insurance coverage ends. Plans typically span from 30 days to six months. Beyond that period, an individual would need to seek a longer-term plan. Short term plans are not generally intended for preventative care measures, so deductibles and premiums can be high. To make the most of needing individual short term insurance, you should seek out an experienced broker to help you find the right plan to fill your needs and nothing more.