Archive for the ‘Insurance Articles’ Category

Medical Debt and Personal Bankruptcy: Time for Reform

September 23rd, 2018 Comments off

Republican, Democrat, Left, Right, Centrist… No matter how citizens in this nation may choose to politically identify ourselves, we are all pretty much in agreement about one thing: This country needs health care reform. Our suggestions as to what shape that reform should come in may not be identical but there is no denying that we are currently on the fast track to bankruptcy if meaningful reform is delayed much longer.

In fact, many individual Americans have already been bankrupted through devastating encounters with our current health care system. This past summer, the respected American Journal of Medicine released new study findings that revealed some staggering statistics that reveal the role that medical expenses play in personal bankruptcy filings. Working to reduce the margin of error in their findings, the authors applied a stringency to the study that made it a first of its kind: a truly random sample of bankruptcy filers nationwide, followed up with detailed personal interviews of participants. Medical causes of bankruptcy were defined to include medical bills and loss of income due to health issues. In conclusion, they discovered that more than 60% of personal bankruptcy filings in 2007 had significant medically related expenses that pushed individuals and families over the financial edge to file for bankruptcy.

Dr. Steffie Woolhandler, one of the study’s authors, voiced her conclusions in an interview with CNN saying, “Unless you’re a Warren Buffett or Bill Gates, you ‘re one illness away from financial ruin in this country If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy, and that’s the major finding in our study.” There are those who find Dr. Woolhandler’s words a little radical. A spokesman for the Washington, D.C. based nonpartisan policy research foundation, The Center for Studying Health System Change, admitted some reservations about the findings but at the same time concluded that 1 in 5 American families are “unduly strained” by medical bills.

In 1981, only 8% of families filing for bankruptcy claimed to have done so in the wake of a major medical crisis. (The accuracy of that figure is somewhat debatable since court records do not indicate the origin of debt that is handled by collection agencies, possibly obscuring debt generated by doctor or hospital bills.) In 2001, a major study concluded that over 46% of personal bankruptcies were medically related. The American Journal of Medicine study’s most recent conclusions of 61% used data from 2007, indicating an alarming trend and numbers which interestingly predate the fallout of our economy’s current recession.

The stigma that hangs over personal bankruptcy in our country is in part due to the public’s common misunderstanding of what the average filer looks like; many people have a mental image of a hapless slouch. The American Journal of Medicine’s study reveals this misapprehension for the untruth that it is. Most of the debtors surveyed were middle class, middle aged and college educated. 75% of the debtors had health insurance coverage at the onset of their financial and health problems. Typically this insurance left them with the commonplace gaps of high premiums, copayments, hefty deductibles and a range of uncovered medical services. It is important to note that policy rescission is a normative practice among medical insurance companies with 25% cancelling an individual’s policy immediately upon a disability diagnosis and another 25% of companies cancelling within one year of the diagnosis.

It is hard to ignore that the middle class’ back is being gradually broken under the weight of the current insurance system. Health insurance premiums skyrocket every six months and deductibles on most policies follow a similar skyward pattern annually. Proponents of the American Dream have traditionally contended that what is bad for the middle class is bad for the nation as a whole. Currently, it is estimated that the U.S. will spend 17.6% of its GDP (Gross Domestic Product) on health care in 2009. The future holds an ever upward spiral if reforms are not soon brought into play. A further consideration of this staggering GDP statistic is to realize that it does not and cannot take into account all the associated costs that medically related bankruptcy of individuals or small businesses impose on the economy and society.

Do yourself a favor as a good citizen and read the American Journal of Medicine’s study in full. (You can find it quickly online at, Vol. 122, Issue 8, pp. 741 to 746.) Be informed, do some further fact scouting and let your congress representative and senator know that the average citizen wants and needs access to the quality of health insurance elected officials are privy to.

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Safeguarding Your Social Security Number

September 17th, 2018 Comments off

Social security numbers are very important in a persons day to day activity. It is a requirement in applying for credit cards and for a job. So we always have to make sure that our ssn is always protected.

Protecting our ssn is important and there are many things that we can do to achieve this. Depositing it in the bank is one, putting it in a secure vault inside our house is also one. It sounds extensive but it is worth it to make sure that our ssn does not land to unsafe hands. But how doe we actually measure the security of our ssn?

Safeguarding our ssn not to be stolen by someone else is not as easy at it looks. It needs your full time consideration and focus if not you will just lose it without you knowing it.

Many persons are just looking for opportunities to get a hold of your social security number so you have to make sure you dont give them that. It is also important to be conscious on how your social security number is being used and shared on a daily basis.

What can you do to avoid being defrauded? You have to understand the purpose of your social security number in the first place and make sure you are aware when to give and when not to give out your social security number. There are many memberships or clubs that require you to fill out an application form and asks for your social security number, but always remember that it is your option to give it or not, as long as you provide them with another valid ID. If you have a drivers license, you also have the option of not having your ssn printed on your ID.

Safeguarding your social security number requires extensive effort as what was pointed earlier. Understanding and awareness are key elements to avoid negative situations. Always bear in mind that ignorance to the law is never an excuse.

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Health Insurance For The Masses

September 15th, 2018 Comments off

Trying to look for good insurance deals on the market can be challenging at the best of times without complicated vocabulary getting in your way. This article looks at some of the jargon found in insurance information. From here, you can begin to understand insurance in more depth when browsing on websites and in directories.

One term you will hear all the time is HMO. This stands for ‘Health Maintenance Organization. HMOs oversee health coverage, guidelines and standards for doctors in hospitals.

Usually the pay is too low for your employee to afford their own health care. It is seemingly impractical to pay for health insurance even if that means a loyal worker goes without. There is ways to get insurance for small businesses and the employees.

Every state has numerous offices and firms that will carry insurance for small businesses. Like any other commodity, companies are going to try to get the most that they can out of you. As a small business owner, you cannot afford that.

You need to shop around and see what firm will offer you the most for the least. By accessing what you need for your employees and yourself, you will be able to match your budget and save where you can. The more quotes, the better.

Both sides bring up excellent points that should be considered. After all, health insurance and coverage will be dominating the media in months to come. It is better for you to research both points fairly and decide.

Democrats argue that it is simply unfair to the millions of people who have to go without. They believe that the price for HMOs is too high and that the healthcare companies have developed an industry in which they control pricing. Their values say that it is time to step in and oversee the healthcare industry.

Republicans believe that it is not only wrong for the government but will be paid for by the expense of the American people. It will cost trillions of dollars to implement free health insurance. Through their ideology, they believe that free health insurance is a socialistic response to a problem.

Under Obama’s plan it will be mandatory that all businesses carry health insurance for their employees. Also, all parents must insure their children or they will be fined. He also wants to increase health insurance chances to those considered to be in the ‘pool of risk’

Risk pool is term that you might hear once in a while. This refers to a group of people who cannot find health insurance based on certain conditions. They are risky to insure because of their condition and therefore are a greater cost to the insurance companies.

There are many ways to cut cost when shopping for the insurance for your small business. I know that it is costly to have but in return, you can provide well being to both yourself and your employee. Having that will help both your employees and your business.

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More about the advantages of Destination Beauty

September 15th, 2018 Comments off

There is more to it than just getting a plastic surgery Thailand procedure. In more ways than one, the expertise, care and effectiveness of the whole medical team will make the trip to any one of our centers look like a trip never to be forgotten.  There are holiday packages that are available for countries that are selected, which make the whole surgical process easier and affordable. Tagging along this experience is the adventure of visiting all the sceneries that Thailand will have, as you move from your home to one of our centers before and after receiving your cherished surgery.

Arriving at Thailand for the operation is not like any other plastic surgery abroad. There is a team of highly specialized practitioners who are ready to make you feel more at home. Some their duties are ensuring your utmost comfort and making sure you know when and where you will be every hour. They update you on booking schedules and answer any kinds of queries that you may have. All this is done so that the surgery process, whether it is a breast augmentation Thailand procedures or cosmetic surgery Bangkok processes, can commence in a smooth way.

Even after the procedure is complete, the team will always be there to ensure that the patient will have a healthy and quick recovery. They are present to see to it that the results expected are obtained, and also answer to any anomalies that may occur in the healing process. Many successful testimonials have been given, praising the service rendered by the team throughout the process. Of course there are those that think otherwise about the whole process. Nevertheless, there are a vast majority that will always be extremely thankful for the work that the team has done.

Some of the major highlights concerning the advantages of the Thailand surgical process include free toll-free answers to questions asked about the procedures, free home-based consultation with surgeons prior to the procedure and free booking procedures in the affiliate hospitals. In addition, the Destination Beauty team offers to assist you with the paperwork in these hospitals. They will give free advice on travel and accommodation procedures and even offer holiday packages that will give the patient some discount charges while arranging for the travel and arrival to the centers in Thailand, Bangkok and all the other centers. Finally the team will be of assistance when the recovery process is taking place. They will be there to answer any questions related to the healing process.

Martin crowe writes about Plastic Surgery Thailand. To learn more about Cosmetic Surgery Bangkok just visit at

Outdoor Security Camera Solutions For Low Light Conditions

September 12th, 2018 Comments off

When it comes to optimizing the effectiveness of an outdoor security camera the most important thing is capturing useful video images. The first obstacle that most outdoor conditions poise is night surveillance since outdoor environments are little more difficult to control than indoor environments. At night it may be a challenge to provide enough light for the camera’s image sensors to pick up anything. That is when the alternatives must be considered.

While it is not always an option, installing additional lighting to the area is one way we can make sure the outdoor security camera captures usable video footage. A simple system like a light that is controlled by a person is not always viable when there may not be a person to do the job. There are also motion activated lights as well as motion activated cameras that begins recording only when there is some movement detected. The important part is that the light is sufficient in illuminating the security camera’s entire field of view.

When additional lighting is not an option or not the ideal solution and it is low light conditions a black and white camera may suffice. This is only effective up to a point and some amount of lighting is still required for the camera to produce quality images. Black and white cameras work because they have lower light requirements than colored cameras.

Night vision security cameras come in varying degrees of effectiveness measured by the LUX rating of the camera. The LUX rating lets us know the minimum light levels required for the security camera to work. The infrared technology records light at a frequency beyond what is visible to our eyes and produces the image in shades of green. The LUX rating is only useful when comparing between similar manufacturers because it is relative to their standards. By itself it doesn’t tell us much except that a LUX rating of 0 means the camera can produce an image in complete darkness.

An outdoor security camera definitely has much more demands than an indoor camera because of the harsh environment it is installed in. However, there are numerous ways to tackle any specific problem and lighting should be the most basic of challenges you will face. There are vandalism and weather conditions to be taken into consideration as well so be ready to protect your security camera.

Some basic ways to protect your camera is by installing it with as many threats in mind as possible. Housing is recommended especially for areas that are high risk of physical abuse by either malicious attacks or weather extremities. How the camera is installed and mounted and how the cables are managed are all things that will minimize the chances of the surveillance equipment from being damaged and rendered useless.

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