Sunday, June 26

Month: September 2021

Health

Health Insurance Solutions Part II

Time and time again there is a solution to every problem, challenge, obstacle or anything else that may cause us to fret. Ecclesiastes 3: 1-8. The Affordable Care Act never stated insurer had to do away with the underwriting process. Several elements to sell plans were implemented to conform and to be compliant with the law which included: essential health benefits which are all necessary; with the exception of pediatric dental and vision coverage, especially for someone who does not have minor children in their custody.The other element is the fact that carriers could no longer deny coverage to consumers who has more than enough health related conditions with exorbitant premiums, terms in the insurance world "rated" because of preexisting conditions. This is the major problem facing the ...
Vision

Tips to Get Great Vision But With Help From Insurance

Anyone who has ever had trouble with their eyes will know the discomfort of having to constantly wear spectacles or contact lenses all the time. Sports and other pastimes are difficult since the glasses or lenses have to be taken along and taken care of. With the advent of Lasik surgery, many people are now able to live their lives without these bothersome accoutrements. But the cost is on the high side so many people are now using vision coverage in their insurance contracts to counteract the cost. Vision plans reduce the rate charged for this eye surgery by quite some degree bringing it well within the reach for the average working person.The surgery is quite simple in itself. What it concerns is the surface of the eyeball itself. Most people are born with eyeballs that are perfectly rou...
Personal Property

Claiming Insurance On Your Damaged Handmade Persian Or Oriental Rug

A Persian or Oriental rug is not simply a floor covering but a work of art. A weaver has dedicated months of skilled work in order to create your unique rug or carpet, a skill that has been passed down for centuries from one generation to the next. Like the skill involved in weaving these rugs, handmade carpets are passed down from one generation to the next, becoming valuable and treasured family heirlooms that can often hold not only intrinsic but great sentimental value. Often our memories can be tied up, interwoven in the fibres of our rugs, so if the day does come when something happens to your rug it can be a distressing loss.There are many dangers to handmade rugs from spills and stains to flooding and fire. The first step one should take before or during an insurance claim is to ga...
Medical Billing

Five Benefits of Hiring Medical Billing Agencies

Medical billing agencies can provide a wide range of benefits to healthcare practices. These companies work with all sorts of healthcare providers to managing insurance claims, patient payments and most other aspects of the financial end of business. They often hire accountants and legal consultants to ensure that the companies they work for are given the best possible service. It is understood that the use of these companies is an essential step at improving your business's success. Without them, you are left to manage the financials on your own or with a small staff.Why Use Them?There are many key benefits to hiring medical billing agencies to help you to manage your business's financial aspects. Hiring these professionals can be a good thing for many reasons. If you have put off hiring ...
Auto Insurance

What the Insurance Companies Say About Whiplash

The name assigned for the neck strain received from the impact of a car crash sounds painful enough: whiplash. But the achy discomfort, disruption of regular life activities and any other complications that follow really can be excruciatingly difficult to deal with.If you live in a state that mandates no fault auto insurance, you can file a claim for losses directly to your own carrier. In the event, you do not have that coverage option and your injury was as a result of another drivers' fault, you will want to file an injury claim and related loss insurance claim if it pertains to you with his or her company.Other losses related to the injury may include:• Mileage costs to and from doctor visits • Loss of income because of the disruption of workAlthough initial symptoms immediately follow...
Long Term Care

Mistakes Made When Buying Life Insurance

Insurance helps to generate a desirable peace of mind. There are many other reasons why you should consider buying insurance. Indeed, it is wise and practical to anticipate the position of your loved ones to pay their bills in the event of your untimely death. Sometimes, it is advisable to consider the combination of the term and/or whole life insurance benefits to help your family cater for their daily expenses, college education, medical bills, mortgage, funeral costs and much more. To get the best deal, it is advisable to compare free life insurance quotes from different insurance companies. Nevertheless, the mistakes you are likely to make when buying insurance include:· Avoiding medically underwritten insuranceIt may sound appealing to purchase insurance policies that do not r...
Medical Billing

Billing Practices That Can Be Costly – Part I

Obviously, to receive proper reimbursement it is very important to have accurate coding practices for all health care practitioners however; here are several reasons. A group that is often involved in the billing process is nurse practitioners. Generally they are billing for their own services or they may be using a billing form (superbill) provided by their employer by marking procedural codes and diagnostic codes in order to bill for their services. The responsibility for the accuracy of the coding and billing, as well as for maintaining medical records that support the diagnosis code and procedural code that is being used to bill for specific services, is the professional provider or the nurse practitioner.Keeping up to date with accurate coding procedures is very important when billi...
Auto Insurance

Reasons Why One Should Buy Car Insurance From an Agency

Car insurance agencies have been set up so as to aid car owners to access insurance services at a fast rate whilst giving advice on the various policies that they should choose. Some of the reasons as to why you should go to an agency include: Unbiased opinion: going to a car insurance agency means that you will be able to get information that is free from bias when you are choosing the best coverage. They will be able to give the best advice and advice on what works and what doesn't. You will be able to get a policy just as you want it and the very coverage needed. You will also be given the chance to make company comparisons for the company that operates within your region. As such, you can check the prices and the success rate of the companies. In this way, you will be able to end up ...
Long Term Care

Different Types of Long-Term Care Insurance (LTCI) Policies

You'll have to decide the type of insurance product you want to purchase. Depending on the type of policy you select, there may be a significantly different type of health benefit structure. This is a key factor that determines the complexity.- Individual and Group Coverage: This is a common choice for a lot of people. They choose a freestanding LTCI policy that comes with only long-term care benefits. Anyone can apply for an individual commercial LTCI policy. But it's good to know that many people are also eligible for a group product that is sponsored by a private or public employer, a faith-based organization or an association. Group policies are usually less expensive. The medical underwriting is less stringent as well.- Partnership Policies: Those who are from one of these four states...
Medical Billing

EMS and Fire Department Billing Solutions, Help in the Midst of Chaos

Chaos is hard to control. Working in the medical industry, including EMS and fire department, may be filled with chaos everyday with patients; if not patients, then paperwork to catch up on billing. News reports show some patients don't receive ambulance billing until well after trips to the hospital. The amount of time between hospital visits and making a payment goes so far that patients potentially forget they are in debt. While ambulance billing services controls the status of patient's bills; yet, I don't see anyone is at fault or to blame. It's just chaos. EMS and fire departments have help available to them. Third parties are often being added into the chaos to keep it from spreading and get things organized.EMS billing gathers current charges, reimbursements, and compliance resourc...