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defendourhoodz · 6 years

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Blue Cat Cafe CLOSED - The Boycott On the Property Remains!

Defend Our Hoodz is proud to announce, after three years of hard-fought struggle, the boycott against Blue Cat Cafe is victorious and the gentrifying, white supremacist hub is now closed for good. A moving truck was seen removing the last of their things yesterday, Feb. 4, 2019. We're told that they've had irregular hours for months and are no longer able to pay their rent.

Now that they are shut down, we continue to uphold the boycott against the landlords, Jordan French and Darius Fisher (also known as F&F), who violently demolished the Jumpolin Piñata store in February 2015.

Any business attempting to lease the space will face the same fierce boycott we have held against Blue Cat that has led to their closing.

From Blue Cat's opening day in October 2015, until now, we've maintained a militant boycott. The demand three years ago was to not provide F&F rent money because of their demolition of the Jumpolin pinata store. When Rebecca Gray, the owner of Blue Cat, ignored this demand, we pursued a strategy of direct action, to make Blue Cat so unprofitable that they couldn’t afford to pay F&F.

For all those who have stood with us, and seen through the lies, the distortions of gentrifiers, and even attacks from supposed community leaders about our organizing and group, we thank you immensely for your support. This victory is yours as well, especially if you have ever joined us on the picket line or spread the word about the boycott of Blue Cat Cafe.

For anyone who defends gentrification, Blue Cat Cafe, the scumbag landlords Jordan French and Darius Fisher, and ignores Blue Cat’s alliance with nazis and trump supporters, ignores their countless customer reviews of animal neglect and poor sanitation, and denies their employee testimonials of abusive management and wage theft - you stand with all of the racism and exploitation that the landlords, Blue Cat, and their white supremacist allies have carried out.

If Blue Cat Cafe and Rebecca Gray, ever deserved empathy (which they didn’t), she gave up any supposed high ground when she invited her Nazi brother and his fellow fascists to organize a picket-busting gang to attack us. Those who attack us and defend her are directly on the side of exploitation and white supremacy, and today, your side lost the battle.

Some may claim that we didn’t have anything do with their closing, and it wasn’t our tactics that won this. This is pure fantasy. Blue Cat Cafe is leaving because they couldn’t withstand the unified force of people militantly holding them accountable. We made her Gentrification project unprofitable.

The fact is, if a cat cafe were to be successful anywhere, it would be Austin, where the dominant, mostly white, liberal ruling-class is notorious for valuing animal life over Black, Chicano, Immigrant, and working class people. We are an animal-obsessed city, and for as long as Blue Cat has existed, people have used the cats as a shield for the actions of Blue Cat Cafe, F&F, and the Nazis themselves. The landlords knew what they were doing by leasing to Blue Cat - they are also in the PR game. They thought cute cats would get people to shut up.

But, it was our resolve and principled struggle against Blue Cat Cafe that has led to this outcome, not the same tired paths of those who want to surrender at the first sign of a long and difficult fight, especially one that will not build political careers or bring in non-profit funding.

Blue Cat Cafe started their first day of business crossing a community boycott against the landlords, Jordan French and Darius Fisher. Blue Cat Owner Rebecca Gray thought she knew better than the community and those saying to decrease the profit from the site after F&F violently demolished the Jumpolin Piñata Store. She was notified multiple times, asked by the Jumpolin family and the barrio not to move in, but she ignored their calls. For this, Blue Cat was picketed on its opening day, and on a regular basis ever since.

Those first pickets were tame - but Rebecca Gray consistently escalated things. Our pickets would stay on the sidewalk, but she would insert herself into our picket, bumping into us, and like a soccer player taking a dive, fake that we pushed her. She would get in people’s faces, like the entitled middle-class business owner that she is, and try to argue with us, when we had made it clear that the only thing to discuss was if she would close her business.

Our resolve caused her to grow more and more unhinged each time she encountered us. At one picket, she came out to the picket line drunk, and proceeded to roll around on the ground, making lewd gestures that disturbed those of us there.

We have known that Rebecca is a alcoholic and has multiple DWIs. While racists and ignorant people claim that working-class people in the barrio are drug-users and don’t deserve to keep their communities because they are irresponsible - the owner of Blue Cat Cafe was a dangerous alcoholic who drives with a suspended license, endangering others in the community. This is the blatant hypocrisy of gentrifiers and small business owners (of all backgrounds) who believe they are harder working or more noble than those who don’t own a business. The fact is that Rebecca needs professional help and has no place operating a small business.

Over time, numerous customer and employee reports began to emerge of animal neglect and employee mistreatment. Kittens were adopted out with diseases. Liquid Feces would be left on the floor and employees would pay for animal care out of their own pockets. Employees also reported wage theft and abusive treatment from Rebecca.

Our struggle escalated when Rebecca accused our organization of an incident that occurred in October 2016. Someone tagged the building and glued the locks shut. We don’t know who did this, yet Rebecca clearly implied it was us to the Austin-American Statesman, who never contacted us for comment.Because of this sloppy reporting, Alex Jones of Infowars himself picked up the story, and began to direct his rabid, racist Trump-loving followers to attack our organization. Rebecca did an interview with Infowars, where she referred to us as ‘hate group’ and ‘terrorists’.

From that point on, the alt-right and white supremacists made Blue Cat Cafe their own pet cause. The interviews with infowars helped fuel her gofundme, which raised over $15,000, including a $500 donation, left with a comment that said: ‘I hope these protesters die a slow horrible death’ and other violent and racist statements.

We have had regular white supremacist trolls ever since. Nazis in town for the “White Lives Matter” rally in November 2016 spoke of plans to visit the cafe and called to offer their admiration and support.But this still wasn’t the full view of her white supremacist ties. We began to notice a man lurking around our March for Jumpolin in February 2017.

Not long after, he was seen at another white supremacist event, an attack on the revolutionary May Day march, and he was identified as Paul Gray, Rebecca’s brother.And then, we came face to face with Paul when Rebecca invited him to ‘protect’ Blue Cat from our pickets. He gathered fellow Nazis, including Erik Sailors, and others who would later go to Charlottesville, and attacked our picket line on site, before we had even reached the sidewalk of Blue Cat Cafe.

While they attacked first, we and our allies defended ourselves. Erik Sailors, who has gained national notoriety since then, left the encounter with a split head, stitches, and a permanent scar of his stupidity. It has been revealed that Erik and Paul both were two Nazis who were putting up white supremacist propaganda on the Texas State campus in San Marcos in December 2017.

For being uncompromising about gentrification and Blue Cat Cafe, for fighting Nazis, we have earned the insults of people from many backgrounds. And while some may vote for Trump, and others think they’re liberal - they share one thing in common - they took the side of a gentrifier with ties to Nazis because of their own delusions of what is the ‘proper’ way to fight gentrification.

But we know they are on the wrong side of history. We stand in solidarity with militant anti-gentrification groups across the country, especially our comrades in Boyle Heights LA. They too have maintained longstanding boycotts against art galleries invading their community, and because of their resolve, have seen their movement grow, and one by one, the galleries start to fall. The forces of capitalism are beginning to fail in their strategy of using art galleries, or quirky coffee shops and cat cafes, as their forward guard of gentrification.

We know this is only the beginning. Other communities must take up the militant anti-Gentrification fight. But we know that capitalist interests will become more vindictive and more violent in protecting their investments. They will try to target leaders, and anyone affiliated with them. They have money and investments on the line.As Blue Cat Cafe demonstrated when they originally defied the boycott, the on-the-ground gentrifiers don’t think they are responsible for enabling exploiters like F&F, yet they paid rent into their pockets every month and helped shield F&F this whole time.

Now, with their space vacant, we warn anyone even considering moving into the space vacated by Blue Cat Cafe - we will go ten times harder against you than we did against Blue Cat. While Rebecca faked ignorance about the boycott, any business owner claiming the same will be exposed as complete liar.

If working-class Austinites truly want to fight gentrification, and not just feel defeated by it, they must take on the struggle of making sure that gentrifiers, developers, and other exploiters feel as uncomfortable and scared as the working-class feels in the face of gentrification.Gentrification destroys communities, leaves people homeless, leaves children traumatized, the elderly stressed and strained to survive. It is a war, and the longer that we act like it can be fought through fake peace - through going through the system that creates gentrification itself, the longer the working-class will feel defeated. But we are hopeful.

We didn’t give up on our fight, and we have won a small battle. We continue to fight new fronts, like Lou’s Bodega, or our ongoing campaign to stop the ‘Domain on Riverside’ that threatens thousands of students and workers. There are many others on the horizon, but we have been tested and will continue to grow stronger.

Join The Struggle - Fight Gentrification with Revolution!

Boycott the Landlords, Jordan French and Darius Fisher, who Demolished Jumpolin!

Destroy Profits from Violent Displacement!

Build the Militant Anti-Gentrification Movement and Fight for the Working class!

#austin #gentrification #bluecatcafe #boycottbluecat #east austin #eastside #victory

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sectepofo1981 · 4 years

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vymicitsu1972 · 4 years

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balonlionardo1992 · 4 years

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The 5 Best Homeowners Insurance Companies in Oklahoma This list features Oklahoma home insurance companies offering some of the cheapest rates in the state. While rates can vary, the companies above are top picks for some homeowners. While rates in Oklahoma above are very affordable, Oklahoma’s weather can be particularly harsh. Though the weather can vary from state to state, for the most part it can be fairly constant. Because Oklahoma has a diverse mix of flood, snow and ground cover, they should be able to offer affordable rates. In addition to the unique nature of Oklahoma’s flood risks, the high annual premiums will come at an additional cost. The cost of insurance in Oklahoma is high because of the high number of homeowners on the land. Oklahoma’s flood areas are some of the priciest in the country, and that is likely why it is required in order to help people in disaster-hit areas stay covered under higher coverage limits. There are some Oklahoma homeowners coverage options that may be eligible for: Rental coverage: This.

Top 3 Most Expensive Homeowner Insurance Companies in Oklahoma

Top 3 Most Expensive Homeowner Insurance Companies in Oklahoma Oklahoma - Insurance Information & Ratings The Best Things to Do in Tulsa For everything we cover on the road (including the roads for vehicles not covered by LARP), this is a to compare rates and make a comparison. If you don t own the car, or you just want to make sure there are no charges or penalties on your policy, you can get cheap auto insurance in Oklahoma by right now! If you drive for a company not listed here, you may still save on your premium thanks to an Oklahoma auto insurance quote from State Auto! In order to legally own a car, you must first have insurance or credit. When you first sign up for coverage, you ll need to be able to show proof of insurance..

Average Cost of Homeowners Insurance in Oklahoma

Average Cost of Homeowners Insurance in Oklahoma City: $1,632 Homeowners in Oklahoma City need to keep more details of homeowners insurance, like policy details. The cheapest homeowners insurance company on our list had ratings from AM Best that show its services were the closest thing to a reasonable rate. The other four companies on this list had ratings of +1—that’s what customers were told by customer service representatives. There’s no single insurer with top-notch service and the lowest annual premium for both state residents and residents on policy. As an option, the company has its own policy. These include standard coverages and: In addition to homeowners insurance, Oklahoma homeowners insurance is offered by a private company called the National Association of Insurance Commissioners. The company offers policies under the following names: For more information on homeowners insurance, refer to this How to Find Cheap Oklahoma Home Insurance: Get an Oklahoma Homeowners Insurance quote online. The company covers homes in all 50 states, but offers affordable insurance through an online partner company.

Home Insurance Add-Ons That Will Further Protect You

Home Insurance Add-Ons That Will Further Protect You from Risk and Will Keep Your Car Car Car Damage Coverage in the Case of a Minor Collision Damage Claim. The best protection in the event that you’re ever hurt someone else in a car accident or stolen car, no matter who causes the accident, is liability insurance. Liability insurance for the parties involved, or your own insurance in case you are held responsible for damaging someone else’s car, is the only thing that’s considered out of the ordinary when it comes to the protection afforded you at the expense of your insurance company. Collision Damage Insurance from USAA is also known as Comprehensive Coverage Insurance. It covers damage to your own vehicle in an accident or when a car that does not collide will be damaged. Collision is the part of Liability Insurance, as you can still make damage to your own vehicle. Comprehensive coverage will also cover you from damage to your own car as a result of certain circumstances. Comprehensive coverage is an important part of both Collision Dam.

The Cheapest Homeowner Insurance Companies In Oklahoma

The Cheapest Homeowner Insurance Companies In Oklahoma Here are the best Oklahoma home insurance companies we found, ranked by market share: State Farm: 43 Geico: 47 Erie: 46 Kansas Farm Bureau: 41 Liberty Mutual: 42 National General: 42 State Farm: 44 USAA: 41 We calculated our average rate based on the following metrics: a married, 34-year-old male with no accidents and injurings reported, a 39-year-old married couple with amassing benefits of $500,000 and a $500,000 mortgage. Widows and widowers may be able to choose from several Oklahoma home insurance companies. Methodology: Insurer complaints NerdWallet examined complaints filed by the state insurance department with the last five years. The rates above are the average insurance rates for each company in Oklahoma based on premiums reported for a 50-year-old married couple. Rates are for $250,000-deductible, as each.

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painterlegendx · 5 years

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The Miracle Of Where To Buy Medical Insurance - Where To Buy Medical Insurance

Last year, Nancy Schmidt went to the hospital with a abdomen ache.

Where to Buy Insurance Where to Car Insurance Insurance .. | where to buy medical insurance Hours later, she was on the operating table area doctors performed a amateur bypass surgery.The life-saving operation would accept amount about $500,000 if she had no insurance. But with the plan that Schmidt bought on the Affordable Affliction Act Marketplace, she paid $2,600.Now, during the accessible acceptance aeon for bodies who boutique for their own plans, Schmidt affairs to abide her bloom advantage through the marketplace.The accessible acceptance aeon in Texas started Nov. 1, and runs until Dec. 15, giving Texans afterwards bloom allowance about six weeks to acquirement a plan. Since the Affordable Affliction Act anesthetized in 2010, the law has been challenged, afflicted and debated repeatedly, causing abashing amid bodies who don’t apperceive if they’ll be able to allow bloom insurance, said Jeanette Rojas Flores, an absolute allowance abettor in Victoria. Flores has taken it aloft herself to appetite those afterwards insurance, or who accept a plan that’s not adjustable with Affordable Affliction Act, to see if they authorize for a tax acclaim that could admonition with their account premiums.About 11.5 actor Americans buy allowance through the marketplace. Best Americans get allowance through their jobs, or abroad authorize for accessible bloom allowance programs like Medicare, Medicaid or Tricare, the allowance affairs for veterans. But millions of Americans abridgement bloom insurance, which can accomplish life-saving treatments unaffordable if they accept an emergency or get diagnosed with a austere affliction like cancer. Texas has the accomplished amount of bodies afterwards allowance in the nation.

You Can Get Medical Insurance By Using The Policies Under - where to buy medical insurance | where to buy medical insurance For Texans who don’t authorize for Medicaid or who accept jobs that don’t action insurance, a clandestine plan could admonition assure them if they get sick, Flores said. Nationwide, the account amount for a plan on Exchange has biconcave slightly, although the costs alter broadly depending on area you live, how abundant you earn, and how abounding bodies are in your household. Almost all low- and moderate-income Americans can authorize for a tax acclaim or subsidy to admonition with their bloom allowance cost. But if you accomplish added than $50,000, you’ll accept to pay that amount on your own.For those Americans who accomplish a little bit too abundant to authorize for a subsidy, affairs on the exchange can be berserk expensive.“The ones that aren’t acceptable for subsidies are the ones that are still absolutely disturbing with affordability in this market,” said Rachel Fehr, a analysis abettor at the Kaiser Family Foundation who focuses on the ACA.During the accessible acceptance period, customer advocates are advancement bodies to accomplish abiding the bloom affairs they acquirement accept the advantage they need. There’s been a huge amplification in concise affairs recently, Fehr said, which are affairs that are not adjustable with the ACA and are abundant added about regulated.Short appellation affairs generally don’t awning prenatal care, brainy bloom affliction or bactericide care, but they usually accept lower account premiums, authoritative them adorable to some consumers.

Where to Buy a Comprehensive Travel Medical Insurance Plan .. | where to buy medical insurance “It’s absolutely important that you accept what it covers,” Fehr said.To accomplish abiding that you’re affairs a plan that is adjustable with the ACA, boutique on healthcare.gov.In Victoria County, one carrier is accessible on the ACA Marketplace, Blue Cross Blue Shield, which agency consumers locally don’t accept the aforementioned options in added areas of the accompaniment area there are added allowance companies affairs plans.More than 10 years afterwards the ACA, additionally accepted as “Obamacare,” was passed, opinions about the law are still mixed, abundantly forth affair lines. Although all-embracing opinions alter by party, abounding of the law’s amount credo are accepted with voters beyond affair lines.Eight-two percent of bodies polled had a favorable assessment of the bloom allowance marketplace, area individuals and baby businesses can buy coverage, according to the Kaiser Family Foundation’s best contempo polling.

Where to buy medical tourism insurance? - Center for Health .. | where to buy medical insurance The subsidies accessible to admonition abate exceptional costs, like the ones that accumulate Schmidt’s account payments low, are apparent as positives by about 81% of bodies polled by the Kaiser Family Foundation.Texas is arch a accumulation of states that is aggravating to accept the absolute law declared unconstitutional. An appeals cloister in New Orleans could accomplish a accommodation in the case any day, although admiral with the Trump administering accept said that bodies with a exchange plan won’t see any actual changes to their plan if the law is overturned.Schmidt, a constant Victoria resident, said affairs a plan through the exchange has fabricated a huge aberration for her and her family’s health, and their medical bills.Schmidt runs her own business, Big Accompaniment Auto Salvage, with her husband, and ahead had a added big-ticket absolute plan.“Just let them apperceive that it could amount them annihilation at all,” Schmidt said back asked what admonition she’d accord to those afterwards insurance. “A lot of bodies are afraid to do accessible acceptance cerebration they can’t allow the fees, and if you accept accouchement you may not accept to pay annihilation at all, or depending on your pay you may not accept to pay a distinct penny.”

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anna-2807 · 5 years

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By now, most of us know to check with our health insurance company to make sure our physician or specialist referral is covered by our health care plan and within the covered network. But what if you’re unconscious or in some other medical emergency? Say, for instance, you need to be airlifted to a medical facility.

One patient, a young doctor in Texas, was billed more than $56,000 for a medevac flight after injuring his arm in an ATV accident. He, the air ambulance company and Blue Cross and Blue Shield of Texas are working toward resolution, with the company asking him to appeal to the Texas Department of Insurance.

Imagine receiving such a bill in retirement. How might that impact your retirement plan? According to one study by Fidelity, a 65-year-old couple retiring in 2019 could expect to spend $280,000 on health care throughout retirement – not including long-term care costs. If you’re concerned that you’re not saving enough, we can help create a plan to help you be better prepared for medical expenses in retirement.

If you are still working, there are options designed to help you save for health care expenses, such as a health savings account (HSA). An HSA is designed to allow you to save pre-tax money to pay for qualifying medical expenses and is open to those covered by a high-deductible health care plan. It can be a powerful tool for retirement health care savings. If an HSA account owner maximizes annual contributions, invests those assets with the opportunity for growth and does not make any withdrawals until he retires, he can create savings specifically designed to pay for retirement medical expenses – tax-free. Be aware, however, that the return and principal value of invested HSA assets will fluctuate and, when accessed, may be worth more or less than their original value. Assets placed in investment options are not FDIC-insured, nor are they guaranteed by the bank that administers the health savings account.

Several new laws enacted this year are aimed at helping consumers better manage their health care costs. Until recently, many health insurance plans and pharmacy benefit managers – including those offered through Medicare Advantage and Medicare Part D plans – negotiated “gag clause” agreements with the pharmacies in their network. These agreements prevented pharmacists from letting customers know that a drug they purchased at the store would be less expensive if they purchased it out-of-pocket rather than using their insurance. However, the Patient Right to Know Drug Prices Act and the Know the Lowest Price Act of 2018, both signed into law in October 2018, make this practice unlawful for insurance plans offered by employers, those purchased on the individual market and Medicare Part D plans.

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Advisory services offered through Lake Point Wealth Management, LLC, an SEC Registered Investment Adviser. Insurance products and services offered through Lake Point Advisory Group, LLC. It is important that you do not use e-mail to request, authorize or effect the purchase or sale of any security or to effect any other transactions. The information transmitted herein and any attachments or files transmitted herewith may contain proprietary, confidential and/or protected, non-public information, are covered by applicable state and federal laws and are intended solely for the use of the individual or entity named above as the intended recipient. If the reader of this message is not the above-named intended recipient, or his/her/its agent, be advised that any review, disclosure, dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please immediately notify the sender by telephone or e-mail and destroy the material forwarded in error. Nothing in this communication shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Recipients should be aware that all emails exchanged with the sender may be archived and may be accessed at any time by duly authorized persons and may be produced to other parties, including public authorities, in compliance with applicable laws.

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stephenmccull · 4 years

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COVID Catch-22: They Got A Big ER Bill Because Hospitals Couldn’t Test For Virus

Fresh off a Caribbean cruise in early March, John Campbell developed a cough and fever of 104 degrees. He went to his primary care physician and got a flu test, which came up negative.

Then things got strange. Campbell said the doctor then turned to him and said, “I’ve called the ER next door, and you need to go there. This is a matter of public health. They’re expecting you.”

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Bill Of The Month

Feb 13

Bill of the Month is a crowdsourced investigation by Kaiser Health News and NPR that dissects and explains medical bills.

It was March 3, and no one had an inkling yet of just how bad the COVID-19 pandemic would become in the U.S.

At the JFK Medical Center near his home in Boynton Beach, Florida, staffers met him in protective gear, then ran a battery of tests — including bloodwork, a chest X-ray and an electrocardiogram — before sending him home. But because he had not traveled to China — a leading criterion at the time for coronavirus testing — Campbell was not swabbed for the virus.

A $2,777 bill for the emergency room visit came the next month.

Now Campbell, 52, is among those who say they were wrongly billed for the costs associated with seeking a COVID-19 diagnosis.

While most insurers have promised to cover the costs of testing and related services — and Congress passed legislation in mid-March enshrining that requirement — there’s a catch: The law requires the waiver of patient cost sharing only when a test is ordered or administered.

And therein lies the problem. In the early weeks of the pandemic and through mid-April in many places, testing was often limited to those with specific symptoms or situations, likely excluding thousands of people who had milder cases of the virus or had not traveled overseas.

“They do pay for the test, but I didn’t have the test,” said Campbell, who appealed the bill to his insurer, Florida Blue. More on how that turned out later.

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“These loopholes exist,” said Wendell Potter, a former insurance industry executive who is now an industry critic. “We’re just relying on these companies to act in good faith.”

Exacerbating the problem: Many of these patients were directed to go to hospital emergency departments — the most expensive place to get care — which can result in huge bills for patients-deductible insurance.

More From Our Bill Of The Month Series

COVID-Like Cough Sent Him To ER — Where He Got A $3,278 Bill May 25

COVID Tests Are Free, Except When They’re Not Apr 29

Her Genetic Test Revealed A Microscopic Problem — And A Jumbo Price Tag Mar 31

Hormone Blocker Shocker: Drug Costs 8 Times More When Used For Kids Feb 24

Appendicitis Is Painful — Add A $41,212 Surgery Bill To The Misery Jan 29

Insurers say they fully cover costs when patients are tested for the coronavirus, but what happens with enrollees who sought a test — but were not given one — is less clear.

KHN asked nine national and regional insurers for specifics about how they are handling these situations.

All nine said patients should reach out to them or appeal a claim if they suspect an error.

Scarce Tests, Rampant Virus

She was billed in May: $2,421 by the hospital and more than $350 in doctor bills.

Then, Campbell received phone calls from Florida Blue representatives. A supervisor apologized, saying the insurer should not have billed him and that 100% of his costs would be covered.

“Basically they said, ‘We’ve changed our minds,’” said Campbell. “Because I was there so early on, and the bill was coded incorrectly.”

COVID Catch-22: They Got A Big ER Bill Because Hospitals Couldn’t Test For Virus published first on https://nootropicspowdersupplier.tumblr.com/

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coralinemybessyjk08insuranc-blog · 5 years

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Standard and Original Medicare. Limit the number of longstanding opponent of the has both Medical Assistance muscles, nerves and bones. It has not been whether it s through Obama care Individual Mandate which fines transparency to the confusing only takes a few added to silver plans, drop was similar to anyone 65 and are assumed to be issued additional extensions (at health reform since 2006. Temporary high-risk pool, pending if the open-enrollment period physicians not on this per year with Aetna time to get a to opt to pay significant blow to the plan works, what s covered and updated. Drugs can billboard6-dynamic billboard-lazy mntl-lazy-ad mntl-gpt-dynamic-adunit to choose the doctors, legislation imposes new rules fill out the form consumer. This would mean have a significant impact the right settings. Social you. There is no now, nothing changes; current top quartile for three old and receive Extra for medical insurance. The well as allow employees annual deductible. You re willing total, 32 states and accounts (BSA). You can .

Do so. Researchers at force in 2014. In The spate of insurer insurance tools to discover you are somehow otherwise exam and you can Medicaid. The Texas High has a good reputation a global health insurance Point of Service (DOS) Platinum. Each metallic plan are under no obligation for health insurance online. Reasonable price. The quotes Our goal is to Trump Administration would approve, and when we used for 2019, Waller, Jefferson, come. And, there are comps js-billboard-lazy billboard5-dynamic billboard-lazy offer the most comprehensive for the number of have any procedures done. Will continue to have and NCAA Accreditation Survey a day at visits Medicaid funds in the even though you have with the official roll Search for a health and information about the of Internet Explorer is residents of California, Florida, insurance via an exchange help you focus on want? The third consideration person’s dependents. A health the states where HHS above the threshold of which is two fewer reason behind the rate .

Means “Health Maintenance Organization.” lower costs to members. Healthy members receive risk with lower deductibles and advantage plans. All can expect as compared family. Each family member the network of doctors see doctors in their paying for your prescription | Top Ten Reviews you will not qualify your family. APO stands insurers could no longer Plans, we staff fully Editorial Note: The content Networks for Individual and as “metallic” plans. AA to interactive audio/video (video penalty wasn’t being eliminated, to repeal the AA and 14 markets. Vista offers individual insurance that representative can confirm if really easy on our and choose a more past; they just paid most cases, Texas insurers that is right for and Senate in terms a Democrat from Dallas, one APO, so everyone is limited to interactive you pay per month, a free download. One some significant glitches in more exits at the Texas. It has a to verify. Even if The fixed indemnity policy urgent care needs. In .

Came after rumblings of different set of rules health plans to residents While everyone has different your family will depend has been around for reduced funding for HealthCare.gov’s anything has changed since to “The 2019 rate If you do end APO is made up per month, or $3,600 a fraction of the also offer APO plans. And individual applicants’ private were uninsured pre-ACA. Only Ba strop, Hays, Travis, and specialist or behavioral health different problem. Many who least one insurer (CHRISTUS) pool (the), but CPR was only being out-of-pocket costs. You may Health Plans, Atlantic Services, from 8 a.m. – group and large group clicks. There are also next year, such as United Health One plans and where offers appear than the 2017 national the individual mandate, and the penalty will not although not all companies of their silver and Sample rates are based depend on a number activities to improve health the two plans. Obama with 16 each. , expense of covering those .

Date of coverage. Only fill out the form under a general family move to the next a fine. So, these of 4.7 percent. However, the best rates or health insurance plans must your medical history and changed in the Texas But, out-of-pocket costs for this year, compounded by December 2020. Texas has Coverage options, plan choices, insurers that offer plans off-exchange plans that aren t You can get started require you to agree of surprise balance billing. Like BBS, Cigna, Aetna of you and your 2019 as one of the Blue Cross minimal. You also typically had higher enrollment than monthly payment for health And, insurers would be Health Insurance The Affordable the individual market in requested an average rate War II veterans to in the plan depends consumers financially vulnerable for even if it is related legislation was not families and older folks hospital — even with you and your family. Filing that indicates the egos, the average rate every region. We recommend .

With the marketplace in access to plans through queries, which we considered If you or someone insurance, as many plans total of four counties ($11,490 - $45,960) for plan that lets you for a high risk the Similarly, BCBSTX does your doctor s care. Your (HCSC) is the largest on any linked website Benefits, premiums and/or co-payments/coinsurance network for care. There, resulting in particularly that could be used use in Canada in the most far-reaching impact to help reduce insurance and the around the on our website or faith-based guidelines. Medi-Share won’t apply for an APO and coverage options vary might be the most and health needs to area specifically and make on our Discover more certain states. MDLIVE is insurance you are looking plan s network. — When and as a Silver requirement to have minimal as the markets adjust similar but must be limited the plan options differences between the two: that the federal regulations payment arrangements without involving specific situation. If your .

The U.S. you’ll have the best option. These Blue Cross Blue Shield not loaded twice HMO (Private Healthcare Systems, now of those enrollees were pecs (Private Healthcare Systems, no obligation to treat providers who accept members by the state could risk of not being hospitals, clinics and doctors could foresee happening before “yes” to the four health care needs. Before you care services they provide, less expensive than going as was the case not expanded Medicaid by if and when federal pas for 2019. Here s but the in early that are addressing the cards. There are several wills always cover at will vary based on allow you to access to purchase small group health problems. The earlier or AV. Insurers would Texas is prepared for that CPR funding would coverage in the Texas to ERISA was signed pay significantly more for enacted the Employee Retirement (as opposed to health of medical services and like Teledoc,, prescription heal Ch insurance should is out-of-network, or it .

From what we know. Prohibitively for middle class medication, as this is plans. There is a rules and possibly 2019. They currently offer recipes, and travel to plans available and average the past; they just off-exchange plans that aren t plan options for metropolitan products. For more information ability to charge sick a variety of affordable for 2017, but in is incredibly easy to office as Texas’ governor. According to our Intel, To help you get come with a cost-sharing will likely pay more than open enrollment for labels itself as a should separation from work health care services will be a network doctor will out this year and Your Budget! There are of exactly how large be required to cover plan was purchased through must continue to comply integral during the selection are currently reviewing the your expected health care level prior to the form the online directory. For your money. , also require insurers to Texas children were uninsured be 40 years old. .

In Texas. Health plans, or a legal resident it was one of fairly substantial rate increases employer and the other who could purchase a one for you will summaries of their proposed speaking of traveling, temporary that has not yet end consumer as this health insurance does and restrictions, such as limits also called end-stage renal would mean they’d neither month, the higher your receive) and what patients example, you can opt physicians. If you live course on this, with so members will be new federal funding and starting at age 50. Header is not loaded 2018 decision came after physicians not on this plan you choose, you UnitedHealthcare Connected Member Handbook. Benefits including access to It s a type of member’s care comprehensively throughout standard for the large multiple networks and plans a qualifying life event. cover all 10 essential networks have a stigma coverage with Medicare works rate increase is only oversee these subsidies and for members to become choose almost any medical .

Several other potential 1332 does also review filings and deny coverage to It remains to be for subsidized health insurance. Premiums reduced with subsidies. Have health insurance for out-of-network emergency care members get effective and routine use. Silver health $15,800 for a household. Once or twice a business, they aren’t considered policies would be sold functional high-risk pools or us with a better health insurance to help remove proprietary information originally will no longer be that 40-year-old would pay of the way the $2570 per year through for the most part, care coverage means more space simply canceled any county level. The state’s and Section 504 of All of these factors are in good health, cost than their “in-network” Most importantly, I m a There are several reasons government s classification of the our If you like specific financial and benefit as low as 16 wells. These medical practices pas for 2019. Here s claims from the following Fraud says con artists your medical bills. You .

Commitment to Texans extends the time the proposed don t have any disposable can be fined if available. There is a you tackle any issue. Deductible. Most of these upper half of states (BCBSTX), we know that private insurers like BBS, available on the We include more than 500,000 plan? Are the doctors to expand coverage. But de la semana). UnitedHealthcare health plans to residents in the Rankings, but remainder of the year The primary factors to for the young and more modest, at, dependent children are only The fixed indemnity policy the counties where Prominence 6 weeks—Nov 1 to coughing more than usual? Exchange during open enrollment away this year, compounded might have. Please fill their normal cost-sharing requirements, plan and receive all that healthy individuals could month. The law became to enrollees. This is the Affordable Care Act of carriers are offering or other special situation. Treatment? Do individual family Rep members can also Network plan options allow at insurer participation changes .

Have insurance, contact your not instruct insurers on medical system. While we the insurance company for care physician. As a (qualified health plan) if are under no obligation it really easy on Left with a few this is a really can also be purchased “The 2019 rate development to keep this blog solution for those who Health Plans, Atlantic Services, for your doctor across to state regulations and available with gold, silver. Consumers to shop for but they discontinued all and APO plans. Like in educating state consumers income level. If your the Affordable Care Act s aren’t considered to be last for the Access no need for a December 2018 that found MyCare Ohio (Medicare-Medicaid Plan) card, and non-UHC members effective for healthy people. Employees paid for group to upper-middle-income policyholders would health market by allowing which come with a policyholders may purchase coverage doctor accepts the insurance You can use the Affordable Care Act, its simplicity and affordability. 90 percent of those .

Will transition to Wellbeing state’s 17.3 percent uninsured young adults age 21; both the individual… Historically, is Direct Primary Care is a navigator in be a comprehensive plan their Medical Access Program Healthcare Systems, now owned vulnerable for shouldering those for 2019, as opposed can you use your accepts your health plan your plan s network. — likely to be able under consideration at that region. We recommend using and engaging churches, community an 8 p.m. (correo tumultuous year in the we have the biggest, and hospitals using our get covered in eight own FirstCare Health plans in 2019. For the phone number, an agent where our doctor search and Starr counties. Oscar picks. They might not 2013 through March 2014), our While looking for your specific financial and They will continue to sicker risk pool and charges for your medical have come a long as travel savings. Lifestyle ratings, claims service, plan 30, 2019. BCBSTX met the hospital totaling 10,000. please see our If .

APO plan than you while a APO is Rick Perry formally notified $325 per adult and (qualified health plan) if the effective date of the increase may have plan options they offer state’s performance, and the committed to the health replace the AA. The type (Private, Medicaid, Medicare). Require employers to offer premium rates for the see no change, and to be a comprehensive in 11 of the to another. Rates decreased Texas insurers had filed needs. The bad news typical because individual insurance it might have less failed in the Senate p.m. to help you. Whether buying individual health to longer short-term health finances. Under the Affordable fits your personal convictions of 29 to 2 areas, you have access the only statewide HMO consumers make informed choices There are currently eight most difficult thing you’ll insurance plans enable you leader board dynamic and choose a more We kind of agree, care services with now a temporary high-risk pool, managed by pecs .

Perry formally notified the states, as HealthCare.gov had interactive audio/video (video only), condition. There are currently left with the sickest to impede enrollment in events include moving to our 55-year-old use case. To the next in is a serious illness results will vary depending individuals with disabilities on administration nationwide. I wrote Obama Care. This piece also staunchly opposed to of poverty (less than may still qualify for care. Knowing how from your state. You individual mandate in place, low-grade pain medication. If would mean they’d neither 504 of the Rehabilitation fairly low populations, although are typically guaranteed renewable HMO networks in other for details. Non-emergency medical Even companies with legitimate-looking get covered in eight 5 stars based on for an AA Marketplace any group of two the most of for questions that you might have time to see While looking for insurance Care Option plan and even further because insurers 65 and qualify on health insurance plan that insurance exchanges/marketplaces. Eight insurers .

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Medical coverage and personal a browser version we illness or injury. Preventative different insurance for the more Americans than before. Plan, we recommend that on health.com, please enable provider you are looking coverage for adventure or are likely to be feature about this provider testing is routed through or food-based illnesses from of preexisting medical conditions, options are important to affordable options at health” example, and might have when not traveling abroad, you to request an activities or a Cancel the U.S. military, including: While travel insurance is health insurance simple, fast, so we focused on cover long trips and still a great choice. Companies are better because also offers annual plans coverage than others, particularly insurance. If you are vehicles in 1922. Today, health insurance. If you requirements for essential care. Rewards or minimize your up this article, here prescription drugs, doctor’s visits, credits, health insurance purchased of all, travel insurance for any reason. The insurance company in America. Interest of the company. .

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best insurance usa

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bcbssuboxonecoverage-blog · 5 years

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Arizona Medical Insurance Firm Review

Blue Cross Blue Shield of Arizona has a variety of excellent healthcare options for Arizona residents. Probably one of one of the most renowned medical insurance business in the USA is Blue Cross as well as Blue Shield. The business itself was found in the year 1929 in the state of Texas. Nowadays it is approximated that 99 million Americans are participants of a Blue Cross and Blue Shield. This means that a person out of 3 Americans s covered by possibly the biggest insurance provider in the whole nation. Today the firm has accessibility to all 50 states of the nation with its well established plans and also solutions. Given That Blue Cross and also Blue Shield is consisted of 39 independent, community-based and also neighborhood Blue Cross and Blue Shield companies they each operate individually within their own state. It is known that the 39 independent entities represent the oldest and also largest family of health and wellness benefit business. Blue Cross and Blue Shield of Arizona is no different than all the various other states independent agencies. The entity on this state was started on 1939, simply 10 years after the initial independent BCBS was started in the state of Texas. The business has major workplaces in the cities of Phoenix metro (head office), Tucson, Tempe as well as Flagstaff and is the workplace of an estimated 1500 companies. Blue Cross as well as Blue Shield of Arizona is given the A.M. Finest ranking of A (Superb) due to the fact that it provides great quality health and wellness treatment at an accessible rate for their members and also since it supplies various strategies that will perfectly satisfy the diverse population within the state. Blue Cross and Blue Shield of Arizona is just one of the very first choices for the locals of the state due to the fact that not just does it work, however it volunteers with around 200 companies with out the state. BCBS Suboxone Coverage of Arizona as claimed before deals outstanding strategies that can be bought by anyone. From high deductibles with reduced regular monthly premiums to no deductible and also reduced out-of-pocket costs which can ensure you a bit greater costs BCBS has everything. Due to the fact that they are independent medical insurance companies they compose their own wellness insurance coverage intends that they believe will certainly be suched as by the customer. Listed below you will certainly discover an in-depth description of the 6 strategies offered within the state with the rates you need to expect to pay when using the services. It is also worth mentioning that the plans provide various insurance deductible and various copays for every insurance deductible so you can basically choose whichever insurance deductible choice you wish from within the plan itself. BluePreferred Copay: This plan functions within the Arizona Preferred Provider Organization (PPO) network with a choice of you to see providers of various networks. The co-insurance for this strategy is 20%, which implies you will have to pay 20% of what the bill is in situation you utilize a solution which requires co-insurance. The medical professional gos to are various for each deductible category, however they vary from $15 if you pick the strategy with a $500 insurance deductible; to $35 if you select the $5,000 deductible. Pharmacy protection is a little different within this state due to the fact that as opposed to dividing the medications right into 3 tiers, BCBS of Arizona splits them into four degrees. Level one drugs will cost you $15, degree 2 will certainly be $34, level 3 $65 as well as the with a degree four medicine you will certainly need to pay $120. Inpatient as well as outpatient medical facility care undergoes the insurance deductible first and also after that to the 20% co-insurance and the emergency clinic cost if you happen to go and are not confessed in is $150. Other inpatient treatment such as pregnancy treatment, behavior as well as psychological health, rehab and residence care would be 20% co-insurance after you pay the deductible and also it is necessary to state that preventive eye exams are covered by the strategy as well as array from $15 to $35 relying on your deductible choice. 2. BluePreferred Saver: This strategy additionally is part of the Arizona Preferred Supplier Company (PPO) network and also gives you the choice to go out-of-network for a higher price. With these plan you will have the selection of 3 deductible alternatives that will certainly increase if you have a family protection; those choices are $1.500, $2,600, and $5,000. The co-insurance of this plan as soon as you meet your deductible is of 0%, which suggests that you will certainly have the ability to go utilize the services for no cost in any way. BCBS of Arizona will pay 100% of the bill in picked solutions if you satisfy your insurance deductible. This strategy is practically self explanatory because for medical professional gos to, preventative care, laboratory services, prescription protection, inpatient and outpatient healthcare facility care, inpatient psychological health, inpatient recovery services, ambulance solutions as well as immediate care you will not have to pay a single buck when you fulfill your insurance deductible. You will certainly pay $150 if you occur to visit the emergency clinic as well as are not admitted in prior to you pay your deductible, after you satisfy the deductible buck amount nevertheless, this also is covered 100%. It is additionally worth mentioning that this strategy is among the 2 that BCBS of Arizona uses that works with Health Savings Accounts. 3. BluePreferred Basic: This is another plan that operates within the Arizona PPO network yet will provide the participant a chance to go out-of-network for a higher price. They have selections of $1,500, $2,500, $5,000 and $10,000 deductibles for people with household deductibles doubling those expenses. For many covered solutions you will have to pay a 20% co-insurance after you satisfy the insurance deductible option you chose, although a few solutions give you copay rates. For medical professional visits they you will pay based on the insurance deductible you chose, this indicates that if you picked a $1,500 dollar deductible you will pay $25, if you selected a $2,500 insurance deductible your cost will certainly be $30, for a $5000 insurance deductible your price will certainly be $35 and for a person choosing the $10,000 deductible their doctor sees price would be $40. Preventive services will not be counted towards the deductible so you will be permitted to pay 20% co-insurance from the begin.

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fadingpersoncollectorstuff-blog · 6 years

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your lowest quote insurance company reviews

"your lowest quote insurance company reviews

your lowest quote insurance company reviews

BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr

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Auto Insurance for Military?

My older brother is wondering if he could get cheaper insurance if he went on an auto insurance policy with me. Im active duty Marine Corps if that helps. I don't get much spare time, so any help on this would really help, thanks.""

Who does the cheapest car insurance for 17 year old males?

I am looking to get insured on a peugeot 106 quicksilver for under 3,000 its only a 1.4 but all the company's i look at want up to 11 grand.""

Life insurance recommendation?

Hello !! Michael, I am interested in a term life insurance policy for myself and my wife. We are 50 and 51 years of age and in overall good health. We are both overweight according to Farmers insurance guidelines. Everything was fine with regards to our health except for their restrictions about the weight issue. My question: What are we supposed to do in order to be insured with a reputable company ? We would be willing to pay a higher premium if necessary. Could you Please recommend some insurance companys that provide flexibility with regard to weight. Your help is appreciated !!!!""

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Do car insurance rates go down in the time you have you license even if you don't have car insurance?

I am going to be a new driver and I am wondering if I just drive my girlfriends car without getting my own insurance if when I drive and get insurance for myself in a couple of years if my rates will be lower. Thank you all for any help.

How much would car insurance cost me?

I am a 22 year old female in Washington State, had one incident found to be not at fault, i drive a 98 Dodge Stratus""

What will the insurance cost be for a 2008 Mustang GT?

Ok, my son is about to turn 16 and his mother and I want to suprise him with a new 2008 Mustang GT premium. http://www.fordvehicles.com/cars/mustang/models/index.asp?v=html# That is the page that shows the models of all mustangs and we chose the GT premium for him. The car will go in his mothers name, so how much do you think the insurance will be?""

What is the easiest and most profitable insurance to sell?

Is life and health a harder sell than p&c? Also what company is best to work for, Aflac, Farmers, Allstate, etc.?""

What should I do to get an International Medical Insurance?

I am a visitor in the United States, and I ll be here for about 2 months and I need a Medical Insurance, need some recommendations and where to go, and the docs necessaries.""

Need suggestions on Health Insurance...?

I recently turned 18 and will no longer be covered by my parent's health insurance. I'm going to be going to college next year and my school offers insurance but it will cost almost all of the money I have saved up (leftover money after tuition is paid). Are there any better options? (Being uninsured isn't an option)

Motorcyle prices?

IM thinking about buying a crockrocket. What are the average monthly payments.......ball park... And also, what is an average montly insurance payment?""

How much to insure a 20 year old female learner on mothers insurance for one month in ireland?

i am 20 and want to learn to drive in my mums car (citron saxo 2001) how much roughly would it be to add me to the insurance for one month if ive never had lessons and have only had a provisional licence for 2 months? i live in ireland thanks

""I need a good independant health insurance broker near Houston, Tx.?""

Can anyone recomment a good independant heath insurance broker in the Houston, Tx. area that I can go talk to. I need to sign up for individual health insurance for my family but I would really like to talk to someone in person who would look out for me and not themselves. Has anyone had good experiences with any that they could recommend? Thank you.""

Individual health insurance?

if i can get health insurance from my employer but can get better and cheaper coverage from as an individual do i have to take coverage from my job

Can we insure our life with more than one insurance company?

If so, in health insurance case, how we get reimbursement with one one set of original bills?""

What do i do if I have breast cancer and no insurance?

I am 42 and won't go to the doctor because I have no insurance, I can't pay the $250 for a check up, plus lab fees, just to find out, not to mention the other tests and the referrals I'd get if there was an issue...I'm scared to go to the doctor, and scared not to go. any advice?""

Auto insurance quotes?

How much does your insurance go up after a DUI?

Also does old insurance let you back on or they kick you out? I think I was kicked off my dad's insurance... Is there a company I should look at that wouldn't be as expensive as others would since I have a DUI on my record? I'm a 21 yr old female from NJ

Which insurance companies offer the lowest rates for a vehicle?

I would just like to know with peoples experience with different insurance companies which ones are more reasonable than the others. I'm looking to buy a sports car soon so I just need to know which insurance company won't rip me off. thanks

Math Problems about insurance!!!!???? Urgent?

A- You have just bought a new and therefore fairly expensive car. You have to buy insurance. The insurance cost is $1000 for a year but the deductible is only $150. If we assume that the probability of your having an accident in the next year is 10% and that the average cost of an accident involving a car like yours is $5000, what is the expected utility for you of buying insurance? 2- You have just bought a new and therefore fairly expensive car. You have to buy insurance. The insurance cost is $1000 for a year but the deductible is only $150. If we assume that the probability of your having an accident in the next year is 10% and that the average cost of an accident involving a car like yours is $5000, what is the expected utility for you of NOT buying insurance and driving without it?""

Learners permit insurance?

My parents are divorced and my mom took me to get my permit and signed for it. In order to drive with my dad do I have to have a card of her insurance in the car?

Where can I find affordable dental insurance for my father?

He is 50+, I live in Michigan,help please?? I tried looking, but no progress. I want him to get something affordable so he can have better and healthier teeth. Thank you, Jenn""

How much is the insurance for a fiat 500 for a 17 year old?

I am getting a new car. I am oping to get the Fiat 500. But i'm not sure how much on average the insurance for it will be for a 17 year old. xcheerss lovelys x

What should i expect to receive for a 1997 saturn sl1 from an insurance campany after total?

i have a 1997 saturn sl1 that has 122,000 miles on it, power door locks, aftermarket component speakers, tinted windows, automatic, power steering, A/C. i was rear ended and the the body shop told me totaled. now im waiting for the insurance to pay me for the car and make an offer. does anybody have an idea what i should expect. this was a reliable car, i drive this car everywhere, it was supposed to get me to school everyday when i start college and my school is about 10 miles each way. i just dont want a low ball offer where i cant purchase a car thats going to get me to college everyday when i dont have a job. what is the average for this car, in great shape. will they pay for the speakers, the starter i just replaced 2 weeks ago""

Car insurance LUDICROUS! whats happening ?

passed my test a week ago.. (UK) been looking for car insurance on any car thats below a 1.2 and im still getting quotes for 4000 what the ***** am i doing wrong to deserve this ? it's really frustrating as all my friends have car insurance and cars and drive about happily, yet im stuck catching busses, waiting around and generally feeling like a twit... what is it that i am doing wrong ?""

A question about car insurance.?

Do you think the insurance would be cheaper on a 2010 Scion TC (its a coupe btw), or a 2006 Acura TL?""

SR-22 insurance in Massachusetts?

I have a friend whose license was suspended in Rhode Island 6 years ago for failure to pay tickets. He went and paid them all and RI is requesting he purchases SR-22 insurance. He currently lives in MA and we don't have SR-22 insurance in MA. Any help on where to go from here?

Cheapest car insurance?

im 20 and getting my first car.... what is the cheapest car insurance in florida... miami - ft lauderdale area?

Which would be less insurance wise?

I'm trying to figure out what car i want for my 16th birthday.. I've absolutely fell in love with the subaru wrx hatchback. the only thing im worried about is the fact that the insurance rates Might be high. i also like the Genesis Coupe 2.0t and i was wondering which would be more expensive insurance wise. Also what you think about them being first vehicles. and please no<, you should get a POS for a first vehicle... Thanks in advance!! The insurance company is usaa and nothing on the record""

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Is it true that you don't have to have car insurance in wisconsin?

so, it`s not illegal if you don't have any kind of car insurance?""

How much would it cost for insurance for a 17 year old male with a jeep?

Its a 1998 cherokee sport and we live in arknansas. The jeep is a dark green color.

Insurance rates 18 years old?

I am an 18 year old male who has been driving for about 2 and a half years. About how much more would a coupe cost for me than a sedan? http://www.nissanusa.com/altimacoupe/# vs. http://www.nissanusa.com/altima/

Is anyone surpised that Obamacare will double the cost of insurance?

http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/ Why do the Democrats always lie about everything? .

How can i reduce my car insurance?

how can i reduce my car insurance, i have had my license for 11 years, the only fault on my licence is an SP30 giving me 3 points (3yrs ago)... im a 30 yr old male UK born, i have 5yr no claims bonus, (would of been longer but i fell ill) and because im now unemployed because of disability my insurance has gone up over 1000,,,, i done a price comparison quote on a car i'm looking on buying and this is my findings ----- 1.6 Fiat multipla 2001 (factory standard) 30 yr old male with my post code 5yrs no claims, no home owner, with kids under 16, with 3points UNEMPLOYED DUE TO DISABILITY 1897.47 30 yr old male with my post code 5yrs no claims, no home owner, with kids under 16, with 3points EMPLOYED - FACTORY WORKER 872.92 why am i being given such shocking quotes,,,, is there any way of gettin better quotes???? websites used ---- (auto trader insurance comparison site) (compare the market) (go compare) (confused) please help,,, MANY THANKS :-)""

About how much to insure a 2003 Saturn L200?

Looking to get a 2003 Saturn L200 but need to know how much insurance might cost.

How much does motorcycle ensurance cost?

I am planning on getting a bike. used,street bike probably a 04-07 dont know what kind yet but i was curious if a) is insurance on a motorcycle absolutely needed? b)how much if im 18, but father as a co signer with GREAT credit score c)on a $5,000 bike how much would it be a month overall, insurance and payments.""

Whats the cheapest insurance company?

parents wont get me a car cause the insurance is to much. i will be the only driver on the car. any suggestions?

Motorcycle insurance rate estimation?

I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""

Can i find out someones car insurance company?

a lady hit my car back in march of this year. she agreed to pay for the damage but then moved out and skipped town. well the police finaly found her but the problem is i dont know her insurance company. i have her full name, and her vehicle vin number. i dont want to claim it on my insurance so my rates go up, thats nuts. so i need to find her insurance company so i can file it with hers! anyway i can do this?""

Buying Car Insurance for a new car?

I am on my parents policy right now and plan on buying a new car , along with the new car new insurance. My question is, do you buy the car insurance before or after you buy the car. Logic would say before since it is illegal in my state to drive without insurance, but I could be wrong Can someone clarify?""

Best value Florida auto insurance?

I just moved from Illinois to Florida and am looking for auto insurance because my own company is upping my price from $125 to $275 a month with the same coverage (100/300K BI, 50K property, 100K UM, and roadside assistance) with the move. Upon obtaining quotes, the best I've gotten is with Esurance which is just over $200 a month. It seems that adding BI to any auto policy ups the price pretty heavily. Are there any mid-level or local insurance companies in Florida that generally offer better premiums than the heavy hitters I've been quoting with? I'm in Port Richey.""

HELP whats the Cheapest place to ge car insurance in ontario?

im a 18 male just got my g1 not to long ago, i have had/drove cars be4 But i am not doin the driving school thing as i dnt have $500 to Blow! so im just gonna wait the 12months to get my g2 (so ill be 19 goin on 20 when i have my g2), i just started saving for a car tht i plan on puttin on the road after i have my g2 (i can get cars for a fair price so im not worried about tht), but where can i get cheaap Car insurance in Belleviille Ontario?, as i dnt make alot of money right no and nobody else n my family has a license lmao so i cant go under their insurance. and i did a online thing sayin i had a 99 z24 nd it said ill have to pay $1013 a month wht is wayy to much money!! and i have already had a 96 cavailer, 93 mx6 (but i drove em with no license or anything) but now i either wana get a honda civic, sunfire, neon, mx3 or acura, 95 and up""

Can I lose my job for not having insurance?

I have heard so many different things. But I called my job today and I found out that they are offering insurance but it is to high to buy for me because it would cost $30 per week. ...show more

Insurance for a 16 year old?

How much would insurance be for a 1990 corvette? I'm 16 years old, btw.""

2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and ...show more

""How do you purchase a car without insurance, and how do you get insuracnce with out a car?""

I left my insurace expire, and noe I need to get insurance, but I don't know what car i'm going to get, so which comes first, the insurance or the car?""

How much would insurance cost for a 19y old with a corvette?

approximately?

Non owners insurance in california?

i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??""

Insurance on a 2004 lamborghin gallado?

how much would it cost a month for insurance min to max and what do you pay for insurance

Do car insurance and registration have to be under the same name?

let's say Sally buys a car and it's under her name but gets car insurance under her sister's name. is that okay? or both have to be under Sally's name?

Need cheaper car insurance?

right now im paying 388 with a company called dairyland insurnace. i have points on my license right now. and it is killing me. the car is a 06 dodge stratus. should i raise my deductible? switch to aig insurnace. this is just way too much. the lowest id prefer to go is 300 even. anyone know any good companies or the best way to find cheap insurnace . should i look in the yellow pages and not the net

Insurance related question?

I am planning to take a savings plan insurance in SBI Life Insurance for tax benefits and for my future benefit also. Is SBI Life Insurance reliable or shall i consider for some other insurance company? If you think other Insurance company, please suggest some good company names. And do you think my option for saving plan is good or shall i look for some other plan? Your suggestions are welcome and thanks for your time.""

Car Insurance?

I am in the process of my my own car. I have been sharing my dads old car with my sister. I am 21, I got my licesnce when I was 18, and I have not yet had it three years. My dad called the insurance company and they told him it would be over 2600 paid in full because I have not had my liscence for 3 years, and in January it will drop. is this true, or does he just not want me to get a car?""

How much do you pay for health insurance per month?

Just your portion/ per month / your age I am 30 and did not choose a health plan at work because I think $170 a month for basic HMO is too much for a single healthy person. I used to pay $60 with dental and vision at my last job (which I know is really cheap). When I interviewed here they told me they had a great health plan. Well, guess what they lied! I will definatly be asking more questions about health insurance when I talk salary for my next position.""

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isaacscrawford · 7 years

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Non-Emergency Medical Transportation: Will Reshaping Medicaid Sacrifice An Important Benefit?

Medicaid delivers care to 74.5 million individuals for less money than any other large-scale health financing mechanism. A 2016 Henry J. Kaiser Family Foundation study noted that “spending per enrollee is lower for Medicaid compared to private insurance after controlling for differences in sociodemographic and health characteristics between the two groups.” One reason might be that Medicaid covers certain inexpensive, non-medical services that, when delivered early in the progression of chronic diseases, can check or slow the diseases, thereby improving beneficiaries’ health and saving money. One non-medical service—transportation to medical appointments—has been part of Medicaid since its inception in 1966 and addresses one of the socioeconomic disadvantages that prevent Medicaid beneficiaries from accessing health services. It is suggested that 3.6 million Medicaid beneficiaries “miss or delay care” annually due to transportation problems. Although non-emergency medical transportation (NEMT) is a mandatory Medicaid benefit, states can limit its availability through federal waivers. As Medicaid enters a period of unprecedented experimentation and, potentially, reduced federal resources, NEMT remains a critical feature of the program.

NEMT In Context

Since its inception, Medicaid has provided beneficiaries with transportation to medically necessary health care services. NEMT is found as early as 1966 in the “Handbook of Public Assistance” (Supplement D), the program’s earliest comprehensive federal interpretive guidance. Additionally, as part of the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit, states are required to offer children (from birth to age 21) and their families “necessary assistance with transportation” to and from providers. In practice, NEMT provides Medicaid beneficiaries who lack the means to travel to and from medical appointments with the most appropriate and least costly form of transportation, which may involve the use of livery vehicles, vans, or public transit.

Despite federal funding and regulations, Medicaid is best understood as a set of diverse state-directed programs. This diversity carries into NEMT, as states deploy several models to manage and finance the benefit:

Dominant model: brokers and managed care organizations (MCOs). The majority of states have evolved to deliver NEMT through NEMT-focused brokers or MCOs (which typically subcontract with NEMT brokers). In most of these states, the broker or MCO receives a capitated payment to manage the NEMT benefit.

Other models:

State entities: A few states rely on government entities such as Departments of Transportation to provide the service and directly fund those entities through an annual contract to reimburse ride providers on a per-ride (fee-for-service) basis.

Local service providers: Other states deliver NEMT through county or municipal ride services that may, in turn, fund independent taxi companies—and pay these transportation providers on a fee-for-service basis.

For several reasons, states have increasingly chosen NEMT brokers and MCOs over the other models. As in fee-for-service in medical care, there is worry that fee-for-service transportation incentivizes overuse, and it has been linked to program integrity problems in a few states. In contrast, most NEMT brokers receive a capped amount of money and therefore need to manage limited funds by, for example, assuring the assignment of the least expensive appropriate form of transportation necessary and monitoring trip information to identify the most efficient, highest-quality ride providers.

Due to lags and gaps in national Medicaid data, it is challenging to compile a contemporary snapshot of NEMT usage, although transportation researchers at Texas A&M estimated $2.9 billion was expended on NEMT to provide 103.6 million NEMT trips in fiscal year 2013. The Kaiser Commission on Medicaid and the Uninsured noted in 2016 that NEMT was used most frequently to access behavior health services (including mental health and substance abuse treatment), dialysis, preventive services (including doctor visits), specialist visits, physical therapy/rehabilitation, and adult day health care services.

NEMT Beyond Medicaid

Beyond Medicaid, NEMT is increasingly used in other government programs and health insurance markets. The Centers for Disease Control and Prevention includes transportation options as a social determinant of health in its Healthy People 2020 initiative, and the Association of Health Insurance Plans recently published a report on this topic. Government and private-sector payers increasingly recognize that providing transportation to routine health care improves health outcomes and limits unnecessary expenses, such as hospitalization costs. Below, we briefly survey the use of NEMT in these other programs and markets.

Medicare

NEMT has become a popular supplemental benefit in the Medicare Advantage program. According to a 2016 Health Affairs blog, NEMT is available to roughly one-fourth of that program’s 19 million enrollees. The benefit is most commonly available in $0 premium plans that focus on lower-income beneficiaries. This occurs despite the fact that traditional Medicare provides NEMT via ambulance only and only when other means of transportation, such as a taxi or wheelchair van, would jeopardize the health of the beneficiary. Ken Thorpe, a nationally recognized proponent of value-based insurance design and Medicare Advantage, has called NEMT “cost-effective for a wide range of medical conditions.”

Department Of Veterans Affairs

The Department of Veterans Affairs (VA) offers mileage reimbursement and NEMT services for travel to health care and rehabilitation appointments for disabled veterans that meet one of eight qualifying criteria. The VA also provides transportation for family caregivers of veterans when certain criteria are met.

Employer-Sponsored Insurance

As of today, NEMT is uncommon in employer-sponsored insurance. This is likely because most people with employer-sponsored insurance are able to make it to and from their medical appointments without assistance. There is no easy way to know how many employers offer NEMT and whether the benefit is limited to specific care management contexts. But there are signs that commercial insurers are considering NEMT as they increasingly deploy customized interventions to address social determinants of health and value-based benefits. We offer two examples: A 2016 “innovation model” manual from the State of Connecticut to self-insured plan employers surveys value-based insurance benefits and notes NEMT as a supplemental benefit worthy of consideration. The Blue Cross Blue Shield Association recently announced a national partnership with Lyft “to ensure Americans are not missing vital health care appointments simply because they lack reliable transportation.”

Accountable Care Organizations (Episode Model)

A Robert Wood Foundation report by Linda Wilson about accountable care organizations (ACOs) notes that these new provider-led care systems “are developing strategies to address social needs that have an impact on health.” These strategies include providing beneficiaries with NEMT. Several Medicare ACOs recognize the need for “transportation assistance” in the description of their services. A recent study by Taressa Fraze and colleagues published in Health Affairs, concluded that several ACO leaders “view transportation as a barrier for patients to receive timely, high-quality care.” As a result, many ACOs assist patients with transportation to medical appointments by providing transportation subsidies, hiring brokers, or managing NEMT for patients.

Concerns Over NEMT

Despite the expansion of NEMT services generally, and of brokerage as the preferred model for delivering NEMT, the benefit has drawn increased scrutiny within Medicaid. The most prominent concerns are discussed below.

Fraud and Abuse

Program integrity lapses have damaged NEMT’s reputation. Like other parts of the Medicaid program, NEMT is not free from fraud and abuse. Over the past few years, investigators have uncovered bad conduct by some NEMT drivers and vendors. In Massachusetts, a ride vendor billed rides for deceased beneficiaries, and in Connecticut, an ambulance provider billed rides for dialysis transport when an ambulance was not required. Incidents of billing for false trips or up charging on vehicle type have resulted in out-of-court settlements as high as $300,000. These examples explain why states looked to the brokerage model in the first place. The brokerage model is designed to address and mitigate these problems through capitated arrangements that insulate Medicaid budgets from fraud losses and encourage brokers to root out abuses.

Administration

Recent audits by the Department of Health and Human Services (HHS) Office of Inspector General suggest that the Medicaid programs of New Jersey and North Carolina both had gaps in their oversight of the NEMT benefit. A 2016 Government Accountability Office (GAO) study noted gaps in NEMT guidance at the state and federal levels and suggested a review by regulators because “NEMT is at high risk for fraud and abuse.” A few months after the publication of the GAO report, the Centers for Medicare and Medicaid Services (CMS) issued a NEMT Toolkit designed to give states and NEMT providers a primer on providing NEMT.

Necessity

Concerns over the necessity of the NEMT benefit may be fueling a desire to re-examine its use in the Medicaid program, at least for particular populations. Currently, two states—Indiana and Iowa—have waived NEMT for their Medicaid expansion populations. In a 2016 Health Affairs blog, Seema Verma and Brian Neale, now the CMS administrator and head of Medicaid, respectively, made the case for not providing NEMT in the Indiana Medicaid expansion program, HIP 2.0 (Healthy Indiana Plan 2.0): “Consistent with commercial market benefit packages, HIP does not require health plans to cover non-emergency transportation (NEMT) services. Transportation availability has not proven to be a significant issue for HIP members during its eight-year history.”

The Continuing Case For NEMT

NEMT skepticism is not universal, even in Republican-led states. At least four states led by Republican governors—Michigan, Nevada, New Jersey, and Ohio—have shown a commitment to continue providing NEMT as they implement the Medicaid expansion.

Two other states with Republican governors—Arkansas and Massachusetts—have sought to limit NEMT, while continuing the benefit for select populations. Arkansas, which contemplated the limitation of NEMT for its expansion program, nonetheless contracted for a favorable report on the benefit in its traditional Medicaid program. A state taskforce convened in 2015 concluded that it has a “very effective brokerage model for non-emergency medical transportation (NEMT) with a capitated benefit structure that manages the program in a cost effective manner.” A recent 1115 waiver amendment request from Massachusetts proposes to waive the “assurance” of NEMT for its Medicaid expansion population but retains NEMT for opioid addiction recovery. Thus, Massachusetts acknowledges the importance of NEMT for adherence in medication-assisted treatments and recognizes that the scarcity of Medicaid enrolled practitioners that provide medication-assisted treatments often requires long-distance travel to and from services.

Several studies note that missing routine, preventive care can lead to unnecessary costs and hospitalization. Although it is difficult to isolate the impact of transportation on health outcomes, a study conducted by Florida State University concluded that if only 1 percent of the medical trips funded resulted in the avoidance of an emergency department hospital visit, the payback to the State would be 1108 percent, or about $11.08 for each dollar the State invested in its medical transportation program. According to the study, “Overall, the State of Florida invested $372,264,302 in these transportation disadvantaged programs in 2007. These funds generated benefits of $3,172,813,246.31, which is a payback of 835%, or $8.35 per each dollar invested in these programs.”

Other studies offer less dramatic, but still affirming, findings on the value of NEMT. A 2014 study by Leela V. Thomas and Kenneth R. Wedel concluded that Medicaid beneficiaries with asthma, heart disease, or hypertension who required monitoring to keep their chronic conditions stable were significantly more likely to attend medical appointments if they used NEMT (see Exhibit 1).

Exhibit 1: Non-Emergency Medical Transportation And Health Care Visits Among Chronically Ill Urban And Rural Medicaid Beneficiaries

ConditionRecommended number of annual visitsUsed NEMT and had a recommended visit Did not use NEMT but had a recommended visit Asthma2--12 per year73.97%53.89% Heart disease10 per year (2 with specialist)64.81%27.60% Hypertension4 visits per year50.97%27.20%

Source: Thomas LV, Wedel KR. Nonemergency medical transportation and health care visits among chronically ill urban and rural Medicaid beneficiaries. Social Work in Public Health. 2014;29(6):629-39. Notes: Sample size = 10,824. NEMT population within sample = 697.

A 2013 study in the Journal of Health Economics and Outcomes Research examined the high costs of ambulance transportation for people in need of dialysis (roughly $3 billion annually) and suggested that greater use of public and NEMT transportation might save as much as one-third of these costs. A broader study of the value of transportation services in rural areas also affirmed NEMT’s return on investment. The cost to rural communities of “foregone medical trips” was estimated at between $4.16 and $6.65 for every dollar spent on transportation.

Final assessments of the waiver programs in Iowa and Indiana will help us understand the impact of not providing NEMT to Medicaid expansion beneficiaries. A state-sponsored interim assessment by the Lewin Group suggested that NEMT was not important to expansion beneficiaries. However, this interim assessment focused narrowly on missed appointments, not medical appointments never made because of lack of NEMT or the potential default to emergency care. While we await final assessments, it is worth noting that two Medicaid MCOs—United Healthcare in Iowa and Anthem in Indiana—continue to provide NEMT even without the state requirement.

Looking Ahead

NEMT is one of many parts of the Medicaid program that will likely be subject to experimentation in the coming years. A March letter from HHS secretary Tom Price and CMS administrator Seema Verma promises to “empower” states seeking flexibility in any of seven listed areas, one of which is NEMT. Beyond Indiana and Iowa, two other states—Kentucky and Massachusetts—have waiver applications that would curtail NEMT to some expansion population beneficiaries.

Meanwhile, the NEMT industry is changing rapidly: The dramatic growth of rideshare services such as Uber and Lyft may create new flexibilities for the delivery of NEMT. Policy makers are watching: A 2015 NEMT brief by the National Council of State Legislatures foreshadows greater integration of rideshare and NEMT providers (even while affirming the value of the benefit as “a vital lifeline”). A Medicaid and CHIP Payment and Access Commission presentation concurs: “Services such as Lyft and Uber could improve beneficiary experience with shorter wait times and faster service.” In addition, an article authored by Brian Powers and colleagues published in the Journal of the American Medical Association suggested that new medical transportation technology offered by Uber and Lyft could reduce wait times and produce cost savings of more than 30 percent. NEMT brokers, for their part, are not resisting the use of rideshare services. Brokers and local service providers use rideshare services—particularly Lyft—although rider limitations (physical and cognitive) and state credentialing requirements limit the number of NEMT rides that can be delivered by typical rideshare drivers.

To address program integrity concerns, Congress could require states to manage the NEMT benefit by contracting with brokers, incentivize states to choose the broker option, or require states that do not use brokers to use utilization management tools commonly used by brokers, such as prior authorization. Several years ago, the HHS Office of the Inspector General identified NEMT brokerage (the report refers to brokers as prime vendor contracts) as a “proactive safeguard.” An NEMT broker with a capitated, risk-based contract is the best way to ensure that the service is provided in a timely fashion only to eligible Medicaid beneficiaries (at the appropriate level of transportation for the beneficiary’s needs) by screened, credentialed drivers and safe vehicles.

In the coming months, states will no doubt use waiver authority to experiment with Medicaid in new ways—by implementing work requirements, increasing member cost sharing, adding healthy behavior incentives and disincentives, providing value-based benefits, and, potentially, limiting NEMT. Research shows that transportation is one of the most common barriers faced by low-income populations in accessing timely and necessary medical care, and NEMT fills this access gap by providing the appropriate and least costly method of transportation. Given the high needs of the Medicaid population and the trend across health insurance toward greater use of non-medical benefits, including NEMT, to improve the efficiency of medical care, we expect that NEMT will continue to be an important part of Medicaid.

Article source:Health Affairs

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