...Dental plans are today available for private individuals as well. It is however important that you choose the most suitable dental plan for your oral health needs. As you reflect on your dental plan needs, it may be worthwhile to consider some of these important dental facts: Dental care amounts to more than just a nice smile. Americans are losing annually a projected 164 million working hours to dental visits and dental diseases. In addition, children are losing an extra 51 million school hours of school to dental-related illness, and in the process causing additional lost work hours as the parents or guardians are tending to the needs of these children. Our oral health is strongly linked to general health. Our dental health impacts...
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...environmental factors that had an impact on an organisation in the past, and could affect organisation in the future. Carry out PESTLE along with SWOT analysis, assist in strategic decision- making, and setting realistic objectives. 2.2 The PESTLE analysis is attached as Appendix 1. 2.3 The SWOT analysis is attached as Appendix 2. 2.4 The evaluation of high impact environmental factors based on PESTLE analysis. 2.5.1 The Department of Health is making provisions to a number of changes to the NHS dental contract, based on capitation, quality and registration, rather than UDA system. The two prototype contracts will begin operating in 2015-2016 for a two year trial, before a general new contract is introduced for everyone, in consequence it is difficult to predict a full impact on our organisation until the trial is finished. This requires contract monitoring for the time being. 2.5.2 Due to providing assurance and reporting to the commissionaires in line with CQC and GDC requirements, our practice has been forced to invest over £100000 to meet mandatory standards by the end of 2012. This involved building of an extension and allocation of separate decontamination room, along with a staff training. Failing in compliance could result in practice closure. 2.5.3 The international financial crisis 2007-2008 had a significant impact on everybody’s disposable income, affordability, increased unemployment, inflation, interest rates. The implications...
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...Healthcare Reform Questions & Answers for Employers Updated November 19, 2014 © 2014 GALLAGHER BENEFIT SERVICES, I NC . DISCLAIMER We share this information with our clients and friends for general informational purposes only. It does not necessarily address all of your specific issues. It should not be construed as, nor is it intended to provide, legal advice. Questions regarding specific issues and application of these rules to your plans should be addressed by your legal counsel. Page i | © Gallagher Benefit Services, Inc. 2014 Contents BACKGROUND ......................................................................................................... 1 EMPLOYER RESPONSIBILITIES ......................................................................... 1 General ......................................................................................................... 1 1. Is there anything we have to do immediately? .................................................................. 1 2. Will I be required to offer health insurance coverage to my employees? .......................... 1 3. When will this requirement be effective? .......................................................................... 1 4. We have between 50 and 99 full-time employees (including full-time equivalents). Will we have to do anything in order to qualify for the delay until 2016? ....................................... 1 5. Our plan is self-funded...
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...Children’s Health Insurance Program Tracy D Cotthoff Western Governors University Table of Contents Abstract 3 History of Children’s Health Insurance Program 4 The Impact of Licensure, Certification and/or Accreditation on CHIP 7 CHIP Reimbursement 8 Clinical Quality 9 Patient Access to CHIP 10 CHIP Impact on the Workforce 11 References 13 Abstract Americans have always had an insurance gap, but the hardest hit seem to be the children. There was a program created to try to fill that gap. Children’s Health Insurance Program was created to insure children that would otherwise be without health coverage. This program was started under Medicare to ensure that children would have medical, dental, vision, prescription, substance abuse and some mental benefits. History of Children’s Health Insurance Program The following is the history and facts of the Children’s Health Insurance Program: * In 1997, The Children's Health Insurance Program (CHIP) was created via federal law. For children’s families that have income above the Medicare limits, this program helps states to provide health insurance to uninsured, low-income children living with families. * The original CHIP funding for fiscal years 1998 thru 2008 was between $3.1 billion and $5.0 billion. The federal and state governments share in the cost for CHIP, and states have leeway in setting criteria for eligibility and which healthcare services to cover. * By 2007, 13 states had expanded...
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...EXECUTIVE SUMMARY: Company Description Affordable Health Insurance is a company offering comprehensive medical, dental and life insurance online. In today’s world where Internet, social media and web surfing has become so globalised the company offers a service online which is easy to access, does not consume much time, offers comparable rates at no cost to the consumer. Having health insurance is important for several reasons. Uninsured people receive less medical care and less timely care, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families. Moreover, the benefits of coverage outweigh the costs for added services. Mission statement: “QUALITY YOU CAN COUNT ON” The company’s mission is to provide quality, compassionate, and professional health care that is affordable, easily accessible and without discrimination to all. The company is dedicated to building a long term relationship with customers through quality service and support. Service viability in an online Environment Affordable Health Insurance is a company offering comprehensive medical, dental and life insurance online. In today’s world where Internet, social media and web surfing has become so globalised the company offers a service online which is easy to access, does not consume much time, offers comparable rates at no cost to the consumer. The products include medical, dental and Life insurance giving the consumer affordable and a vast variety of...
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...America 2012 U.S. Benefits Summary This document is intended as an overview only and does not describe all eligibility restrictions and benefit limitations. All programs and benefits are subject to change at any time. For detailed information on your Bank of America benefits available to employees in the U.S., refer to the Benefits & Pay tab on Flagscape® or the most recent edition of the Associate Handbook, also available on Flagscape. Additional sources of information are listed in the benefits resources section of this booklet. If there is a difference between this brochure and what is written in the benefits policies or plan documents, the policies or plan documents will govern. 1 Revised: 9-2012 Health and Insurance Health Care Benefits Eligibility Full-time and part-time (working more than 20 hours) employees are generally eligible for health and insurance benefits. Part-time employees working less than 20 hours are generally not eligible for health and insurance benefits. Coverage under the plans for which you are eligible generally begins on the first day of the month after you have completed one full month of continuous full-time or parttime employment. The month you begin work as a full- or part- time employee does not count as one full month of continuous employment. For example, if you begin work as a full- or part-time employee in the month of May, your benefit coverage generally begins on July 1. For some benefits, coverage may not become effective...
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...Monrolyn Dixon Richardson Dr Retta Evans HAS 505 Essentials of Health Care Marketing. Strayed University Spring 2011 05/27/2011 The Consumer 2 Describe the selection process you would use to make the most cost effective and employee friendly decision. I would use to make the most cost effective and employee friendly decision depends upon how these benefits are best for their situations. Being able to design and administer a benefits program requires knowledge of many laws and an understanding of the field of insurance. Controlling costs of benefits takes a constant monitoring of the insurance plans that form the core of the benefits program. Two methods of dealing with administrative costs are to search for alternative funding methods and to develop a system of competitive bidding that ensures that the organization is using the best and most cost effective insurance plans. The employee benefit plan includes the different types of health insurance which can pick from and would be best for their situation. (Bridgeford 2088) This approach, however, can negatively affect both recruitment and retention. A more viable approach is to offer benefits that are less costly, but equally desirable. Companies can continue to offer attractive benefits by implementing some of the cost-containment strategies...
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...Health Insurance Guide Health Insurance Guide * What is health insurance? * How does health insurance work? * What are the different kinds of health insurance? * Individual mediclaim policy * Floater Policy * Critical illness policy * Overseas mediclaim policy * Student medical insurance * Tax saver * So, what kind of coverage can I get? * Accidental death benefit * Permanent and total disability cover * E opinion rider * Children's education allowance * How much does health insurance cost? * The no of people to be covered * Amount of coverage needed * Age of the oldest family member who is proposed to be covered * Can I get tax benefits with health insurance? * Are there any alternatives to health insurance? * Critical illness benefit * Hospital cash benefit * Things to watch out for What is Health Insurance ? Health Insurance also known as Mediclaim in India provides you the cover against the medical care costs arising from disease or accidental injuries. Health insurance is a crucial financial product that every individual must have irrespective of their age. It allows you to focus on getting the best treatment without bothering about the financial costs of the same. Depending on the terms of the health insurance policy it covers all or part of the medical costs of treating the disease or injury including doctor's...
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...the connection between Health, Care and Value. We help to improve the health of our communities, deliver better care to members, and provide greater value to our customers and shareholders. WellPoint is the nation’s largest health benefits company, with more than 33 million members in its affiliated health plans. As an independent licensee of the Blue Cross and Blue Shield Association, WellPoint serves members as the Blue Cross licensee for California; the Blue Cross and Blue Shield licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York (as the Blue Cross Blue Shield licensee in 10 New York City metropolitan and surrounding counties and as the Blue Cross or Blue Cross Blue Shield licensee in selected upstate counties only), Ohio, Virginia (excluding the Northern Virginia suburbs of Washington, D.C.), and Wisconsin. In a majority of these service areas, WellPoint does business as Anthem Blue Cross, Anthem Blue Cross Blue Shield or Empire Blue Cross Blue Shield (in the New York service areas). WellPoint also serves customers throughout the country as UniCare. www.wellpoint.com Mission, Vision & Values What Makes Us WellPoint With an unyielding commitment to meeting the needs of our diverse customers, we are guided by the following principles: Our Mission WellPoint's mission is to improve the lives of the people we serve and the health of our communities. ...
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...Individuals without health insurance coverage have a harder time keeping up with their health, as opposed to individuals with insurance coverage. Americans’ without healthcare coverage have a harder time living happier productive lives than those who do have healthcare. Most American’s main reason for not having healthcare insurance is because they cannot afford the skyrocketing premiums. Approximately 47 million American’s are living without health insurance because they do not have extra expendable income at the end of each month. Congress created the Patient Protection and Affordable Care Act in order to increase the number of American citizens covered by health insurance companies and decrease the cost of the rising healthcare system. According to the New York Times health insurance has gone up over the last decade by 15 percent since 2001. Some health insurance companies jack up the cost of healthcare because they dominate the healthcare market within their respective state. This simply provides for an unfair market because it leaves consumers only having to deal with the one Healthcare Insurance Company or not having healthcare insurance. Some insurance companies will only cover part of the doctor’s visit or emergency room visit and still require you to pay a co-pay making it harder to keep your insurance while paying for your regularly monthly expenses. According to the International Federation of Health Plans, the average routine office...
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...Obama and Health Care. I. What is Obama Care? Obamacare or the Affordable Health Care Act is a healthcare reform law that provides families affordable health insurance. Obamacare allegedly is supposed to provide the families access to quality healthcare with lower fees/insurance. II. President Obama and the Origins of the AHCA Obamacare was modeled after Mitt Romney’s “RomenyCare”, a health care reform passed in the state of Mass. Obamacare was passed on March 23, 2010 by President Obama President Obama assured that in 2014 all of the insured 85% of Americans with Obamacare have been experiencing what the program has to offer since 2010 In 2015 President Obama announced that will Obamacare the patients will not have experiences with out-of-pocket costs. III. What does Obamacare offer its patients? (BRIEF) Obamacare offers Americans a number of new benefits, rights, and protections in regards to their healthcare Obamacare allows Americans to purchase federally regulated and subsidized Health Insurance during open enrollment Obamacare Expanded Medicaid to all adults in many states Obamacare Improved Medicare for seniors and those with long-term disabilities Obamacare Expanded employer coverage to millions of employees “As of 2013 there were around 44 million Americans who went without health insurance (about 16% of the population). The majority of uninsured were working families and others who simply could not afford health insurance...
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...INTERNATIONAL STUDENT HEALTH INSURANCE: SILVER PLAN S INTRODUCTION This insurance covers medical expenses from sickness or injury, and losses arising from sudden and unforeseen circumstances. Coverage is subject to certain limitations and exclusions, which are explained in this policy. This policy is underwritten by Sun Life Assurance Company of Canada (Sun Life). Imagine Financial Ltd., operating as Ingle International, performs enrolment and provides customer service. Emergency Assistance is provided by Intrepid 24/7, a member of the Ingle Group of Companies. All benefit limits are expressed in Canadian currency. Sun Life will pay the benefits stated in this policy, subject to all of its terms, conditions, limitations, exclusions and other provisions for Reasonable and Customary expenses that are incurred as a result of an unexpected Sickness or Injury up to the benefit maximum for that particular benefit, or to the overall policy maximum. All maximums stated in this policy are per Insured Person per 365 day period unless otherwise stated, and are stated in Canadian dollar currency. You must call Emergency Assistance to ensure coverage of certain expenses. See the Pre-Approval Requirements in Section III for further details. You may be responsible for a portion of the expenses if the insurer is not notified promptly. Emergency Assistance: we’re here to help This policy is in force only if Ingle International confirms your coverage after receiving your enrolment application...
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...How Does Cost Affect the HealthCare Delivery System? An In-Depth Look at the Health Care Delivery System and Cost. | | Princess L. Brigham | 11/23/2010 | HSA 6414: Social Dimensions and Issues in Health Care | ABSTRACT How does cost affect the health care delivery system? This research focuses on the cost of the health care delivery system and how it affects today’s society. High costs, gap-ridden coverage, and sporadic quality are the health care problems that most concern Americans. Yet most of the policy discussion is focused on the issue of coverage. Health care is expensive because of the pervasive entitlement attitude held by literally everyone in the system: patients, providers, suppliers, insurers. Government insurance (Medicare, Medicaid, veterans, Department of Defense) covers 87 million; tax breaks subsidize 176 million in employer coverage; insurers and other third-party payers take care of the bills for 85 percent of Americans. There is little awareness of the full cost or value of medical treatment on the part of consumers or providers, and little opportunity for individuals to choose their own coverage or make informed decisions with their doctors about treatment. Health care costs are far higher in the United States than in any other advanced nation, whether measured in total dollars spent, as a percentage of the economy, or on a per capita basis. And health costs here have been rising significantly faster than the overall economy or personal incomes...
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...09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CURE PERSONAL INJURY PROTECTION COVERAGE (STANDARD PERSONAL AUTO POLICY) – NEW JERSEY With respect to coverage provided by this endorsement, the provisions of the policy apply unless modified by the endorsement. SCHEDULE I. Principal Personal Injury Protection Coverage Benefits Medical Expenses "Named Insured" and "Family Members" Limit Of Liability $ per person per accident However, regardless of the limit shown above, a limit of $250,000 per person per accident is available for a "named insured" or "family member" for "catastrophic injury treatment". "Insureds" Other Than "Named Insured" and "Fam- $250,000 per person per accident ily Members" Income Continuation Essential Services Death Benefits Income Producer Essential Services Provider Funeral Expenses II. Extended Medical Expense Benefits Coverage Benefits Medical Expenses $100 per week to a maximum of $5,200 $12 per day to a maximum of $4,380 $5,200 less any Income Continuation Benefits paid $4,380 less any Essential Services Benefits paid $1,000 $ Limit Of Liability per person per accident III. Medical Expense Benefits Deductible Unless otherwise indicated below or in the Declarations, medical expense benefits are subject to a deductible of $250 per accident. If indicated to the left or in the Declarations, medical expense benefits applicable to: A. The "named insured" and "family members" shall be subject to a deductible of $ Per...
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...19087 Certificate of Coverage Global Citizens Association Navigator Group Short Term Medical Coverage Non-Renewable Certificate of Coverage Number: 4EL-5007-14 Effective Date: July 1, 2014 The Insurance Coverage Area is any place that is anywhere in the world. The benefits provided by this Certificate are not subject to the guaranteed renewability and portability provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The Insured Person may not purchase insurance for a period longer than the current Period of Coverage. Table of Contents I. Introduction Page 2 II. Who is eligible for coverage? Page 8 III. Definitions Page 11 IV. How the Plan Works Page 21 V. Benefits: What the Plan Pays Page 23 VI. Exclusions and Limitations: What the Plan does not pay for Page 29 VII. Prescription Drug Benefits Page 31 VIII. General Provisions Page 34 Limited Benefit, Please Read Carefully 1 Form 54.1403 I. Introduction About This Plan This Certificate of Coverage is issued by 4 Ever Life Insurance Company (“Insurer”) through a policy issued to the Global Citizen Association. In this Plan, “Insurer” means the 4 Ever Life Insurance Company. The “Eligible Participant” is the person who meets the eligibility criteria of this Certificate. The term “Insured Person,” means the Eligible Participant and any Insured Dependents. The benefits of this Plan are provided...
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