#HealthInsurance

[chronicillnesshumor]

[azspot]

Mark Christensen figured his hospital bill was a mistake.

The document from Allina Health arrived in February, stating the 61-year-old Woodbury resident owed the hospital a staggering sum — $155,493.

It made no sense, Christensen said. He had coverage through his employer from a reputable health insurer. And the need for the care was undeniable; Christensen was hospitalized for about a month for treatment of a rare and deadly blood cancer.

But his insurer, Empire BlueCross BlueShield, refused to pay because Allina hadn't obtained authorization for Christensen's transfer to a new hospital, which happened about halfway through his inpatient stay.

The company has a policy stipulating that when interfacility transfers aren't approved, all claims for care at the second hospital can be deemed not medically necessary.

This decision left Christensen responsible for the bill.

[ivygorgon]

An open letter to the U.S. Congress

Stop overfunding Medicare Advantage!

597 so far! Help us get to 1,000 signers!

At tremendous cost to taxpayers and people with Medicare, the government has overpaid Medicare Advantage plans tens of billions of dollars for more than a decade and is projected to overpay them more than $1 trillion in the next decade. Just as the government recoups overpayments to individuals it should be recouping Medicare Advantage overpayments, not rewarding them with greater revenues. In addition to driving up costs for everyone with Medicare, it is eroding the Medicare Trust Fund. I urge you to reduce MA rates to a level commensurate with Traditional Medicare and recoup all overpayments. Thanks!

📱 Text SIGN PEBQCM to 50409

🤯 Liked it? Text FOLLOW JESSCRAVEN101 to 50409

[bracefinancialservices]

🚀 Hey everyone! Let's talk about something super important today – LIFE INSURANCE! 🛡️ Did you know it's not just about protecting your loved ones? It's a game-changer for your financial future! 💰 Here's why YOU, especially if you're over 30, should seriously consider getting covered:

Financial Security: Life insurance ensures your loved ones are taken care of financially if something were to happen to you. 💼 Debt Protection: Don't leave your debts behind! Life insurance can cover mortgage payments, loans, and other debts. 🏡 Income Replacement: Ensure your family maintains their standard of living with a steady income stream even if you're not around. 💸 Peace of Mind: Sleep better at night knowing your family's financial future is secure. ☁️ Tax Benefits: Yup, you heard it right! Life insurance can offer tax advantages too. 📊 Long-Term Savings: Some policies even accumulate cash value over time. It's like a financial safety net for your future. 🌟 Affordable Rates: Contrary to popular belief, life insurance doesn't have to break the bank! 💳 Professional Guidance: Don't DIY this crucial decision! Get expert advice from a qualified financial advisor. �� Canadian Regulations: Understand the unique benefits and regulations of life insurance in Canada. 🍁 Plan for the Unexpected: Life is unpredictable. Be prepared for whatever comes your way. ⚡

Ready to take charge of your financial future? Contact me today to explore your options and secure peace of mind for you and your loved ones! 💼🌟🚀

Tejinder Pal Singh: +17786823036 Manmeet Kour: +17789899401

[benecurv]

The Transparency of Rebates among Pharmacy Benefit Managers

Explore the complexities surrounding rebate transparency among Pharmacy Benefit Managers (PBMs) in the healthcare industry. Understand the challenges, including confidentiality agreements, complex structures, and regulatory pressures, hindering complete disclosure. Learn how evolving industry dynamics may drive PBMs towards greater transparency in rebate negotiations.

[beemawala]

What is Commercial Inland Marine Insurance?

– Provides 24/7, 365-day coverage.

– Safeguards businesses involved in importing, exporting, or transporting goods within India.

– Covers goods in transit via various modes, including road, rail, and air.

– Protects against potential damage, loss, accidents, and perils during operations

Key Benefits in a Nutshell

– Extensive coverage for various risks.

– Damage due to accidents, theft, natural disasters, and fire incidents included.

– General expenses like contributions to general average, salvage costs, and sue and labour expenses covered.

– Protection against liabilities arising from collisions, contact with other vessels, or property damage.

– Coverage for delays in transit, quarantine compensation, temperature-controlled cargo, and more.

Who Needs Commercial Inland Marine Insurance?

– Essential for importers, exporters, manufacturers, distributors, and businesses involved in goods transportation.

– Beneficial for those dealing with valuable items.

The Crucial Coverage – Explained

– Comprehensive coverage for goods in transit via various modes.

– Includes protection for damage due to accidents, theft, natural disasters, and fire incidents.

Standard Coverage under Marine Insurance Policy:

1. Accident Cover : This covers damage to cargo due to accidents during transportation.

2. Theft Cover: This covers the loss of cargo due to theft or pilferage.

3. Natural Disaster:This covers damage caused by natural disasters such as storms, floods, or earthquakes.

4. Fire Accident Cover: It provides coverage for losses resulting from fire incidents during transit.

5. General Expenses Cover:This covers general average contributions, salvage, and sue and labor expenses.

6. Liability Cover: It offers protection against liabilities arising from collisions, contact with other vessels, or property damage.

7. Delay in Transit Cover:This provides coverage for delays in transit that lead to financial losses.

8. Quarantine Compensation:This offers compensation for expenses incurred due to vessel detention or quarantine.

9. Temperature Sense Cover:This covers the deterioration or spoilage of perishable goods.

10. Riots, War & Civil War etc:It provides protection against risks associated with war or political unrest affecting transportation routes.

11. Business Financial Safety:It offers financial security for businesses involved in international trade or shipping.

Riding the Wave of Additional Coverage Options.

– Flexibility with additional coverage options.

– Protection for high-value goods.

– Coverage against strikes, riots, civil commotions, war, terrorism, and temperature-controlled cargo.

– Specialized coverage for items exhibited at trade shows or transported via oversized cargo.

Additional Add-ons Under the Open Marine Insurance Policy:

1. Extended Coverage for High-Value Goods: This add-on provides extra protection for transporting

valuable items, ensuring they are fully covered in case of any unforeseen incidents during transit.

2. Strikes, Riots, and Civil Commotions (SRCC) Coverage:This protects against losses or damages

caused by strikes, riots, or civil commotions during transit.

3. War and Terrorism Coverage: This provides coverage for losses or damages resulting from acts of war, terrorism, or political violence.

4. Temperature-controlled Cargo Coverage: This offers protection for perishable goods that require temperature-controlled transportation, covering losses caused by temperature deviations or equipment failures.

5. Exhibition or Trade Show Coverage: This extends coverage to goods displayed or exhibited at trade shows, exhibitions, or fairs.

6. Customised Coverage:This tailors the policy to meet the specific needs and requirements of the insured, providing additional coverage for unique or specialised goods or circumstances.

7. Valuable Papers and Documents Coverage: This add-on ensures the safety of important business documents during transit, covering the loss or damage of these valuable papers, offering financial security and minimising disruptions to your operations.

8. Loading and Unloading Clause: This clause provides coverage for any damages that occur while goods are being loaded onto or unloaded from the transport vehicle, protecting against potential losses during these critical stages.

9. ODC (Over Dimensional Cargo) Clause: The ODC clause offers specialised coverage specifically for transporting large or oversized cargo, ensuring protection for these unique shipments and addressing any potential risks associated with their transportation.

6. The Art of Claiming: How it Works

The claiming process involves systematic steps.

– Promptly notify the insurance company about the loss.

– Provide necessary documentation, including policy copy, a detailed statement, shipping documents, proof of value, and relevant evidence.

– The claim is assessed, and the eligible amount is determined for settlement.

6.1 Where are the following step which are carried out when a claim arises.

Notification: You should promptly inform the insurance company about any loss or damage that occurs during transit.

Documentation:You are required to submit necessary documents, including a copy of the policy, a detailed statement, shipping documents, proof of value, and relevant evidence.

Detailed Sales and Purchase Proofs: These documents should demonstrate your financial transactions from the policy start date to the claim initiation date.

Claim Form: You should complete and submit the provided claim form with essential information.

Additional KYC Documents: This involves including copies of identification documents, such as the Aadhaar card and PAN card, as well as a self-declaration letter of ownership.

Verification:The insurance company assesses the claim, conducts investigations if necessary, and may appoint a surveyor for assessment.

Settlement Decision:The insurance company determines the eligible amount and communicates this decision to the insured.

Additional Supporting Documents: You should also provide an image of a cancelled cheque, a subrogation letter (if applicable), and a discharge voucher.

[fatherhoodsurvivalguide]

[messytravels]

Are you covered? Need #healthinsurance in #Delaware contact us now! qualityinsights.org/navigator #ACA #insurance #covered #navigator #affordablehealthcare https://www.instagram.com/p/CpiRyWRLLyyb54A5X2kRLGoEeTxC5eaGlZs3u00/?igshid=NGJjMDIxMWI=

[chronicillnesshumor]

[kdcreation]

KD Creation wishes you all Happy Independence Day

[healthhub718]

खजूर मीठे फल हैं जो यौन स्वास्थ्य को बढ़ावा दे सकते हैं। ऐसे:

Energy Boost: खजूर ऊर्जा देता है जो सहनशक्ति बढ़ाने में मदद कर सकता है। Hormone Balance: इनमें ऐसे पोषक तत्व होते हैं जो सेक्स से संबंधित हार्मोन को संतुलित करने में मदद कर सकते हैं। Nerve Function: वे स्वस्थ तंत्रिका तंत्र कार्य का समर्थन करते हैं, जो अंतरंगता के लिए महत्वपूर्ण है। Healthy Heart: हृदय का अच्छा स्वास्थ्य यौन कल्याण की कुंजी है,और खजूर इसमें मदद करता है। तो, खजूर खाना आपकी ऊर्जा और यौन स्वास्थ्य के लिए अच्छा होता है

~ तो, खजूर खाना आपकी ऊर्जा और यौन स्वास्थ्य के लिए अच्छा होता है,अधिक जानकारी के लिए हमसे संपर्क करें हाशमी दवाखाना अमरोहा, हमारा नंबर है: 8272 800 800 और आप यहां भी जा सकते हैं: www.hashmidawakhana.in

~ So, eating dates is good for your energy and sexual health, for more details contact us Hashmi Dawakhana Amroha Our number is : 8272 800 800 And you can also visit : www.hashmidawakhana.in

[tessansgp]

TOUGHEST THINGS THAT IM LEARNING RIGHT NOW in Building a Final Expense Agency [Video]

[sri-lakshmi-insurance-consultant]

[totalbenefits]

Broker Change Leads to Better Results

Broker Change Leads to Better Results Sometimes a benefits consultant may become a bit complacent and fail to aggressively pursue available cost containment strategies for a client. When that happens, it may be time to consider a change. Read for a case study on how we handled a situation like this for one of our clients. The Issue A mid-sized group prospect was unhappy with their current…

[nivabupa]

IVF Step by Step Treatment

IVF step by step treatment begins with ovarian stimulation, where hormones are used to encourage the production of multiple eggs. Next, eggs are retrieved from the ovaries. In the lab, the eggs are fertilized with sperm. The resulting embryos are cultured for several days before one or more are transferred into the uterus for implantation and potential pregnancy.