On Aug. 1, 2018, the Departments of Health and Human Services, Labor and the Treasury issued a final rule lifting Obama-era limits on short-term health insurance plans. Short term medical (STM) health insurance serves as an lower cost alternative for ACA plans, because they include limited benefits and do not fulfill ACA requirements. Short-term policies are usually ideal for healthy individuals who want some financial protection from high premiums. Pivot Health serves as one of our many partners that offers STM plans, that can now be renewed throughout the entire year. Contact the A.I.G Wilson agency to lean about plan details, and see if STM is the right fit for you! #ShortTermMedical#Insurance#HealthInsurance#OpenEnrollment
Si A dan Si B & Si C sedang berbincang, dan orang yang diperbincangkan adalah si D yang menurut mereka sangat tidak peduli sama keluarganya.
Si A : tuh lihat si D, beli barang - barang branded, asyik berlibur, gadget terbaru, perhiasan diseluruh tubuh, apa dia tidak sayang sama keluarganya ?
Si B : Ya benar, apa dia tidak memikirkan masa depan anaknya kalau hamburin uang seperti itu ? Sungguh tidak peduli dengan keluarganya ya, cuma mikirin diri sendiri.
Si A : Amit - amit dah jadi anak cucu nya, tidak dipedulikan masa depannya. Kasihan ya ?
Si C yang dari tadi cuma diam akhirnya buka suara
Si C : sebenarnya tidak ada gunanya kita sinis pada kehidupan dia, kebetulan dia adalah nasabah saya, justru si D itu peduli pada masa depan keluarganya, jadi semua aset yang sudah dia dapatkan, dia alokasikan ke asuransi jiwa.
Hal ini membuat real aset dia bergerak bebas mau diapain, kalaupun kelak ada masalah, maka sudah asuransi jiwa yang akan digunakan oleh anak cucu nya.
Jadi jangan heran dia begitu menikmati kehidupannya. Orang tua modern ya yang seperti ini, menikmati aset tanpa membahayakan masa depan anak cucunya.
Kalau kalian ?
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0 122 hours ago
1 92 hours ago
"Medi-share members have always been there for us and help meet the needs that we have as a family." - The Knewtson Family #medishare#sharing#family
Tu historial crediticio es como un archivo de tus transacciones financieras. Da una idea de si deben o no prestarte dinero. Sobre todo cuando pretendes adquirir bienes como un auto o una casa. Liberty te sugiere revisar tu historial al menos una vez al año para confirmar que todo esté en orden y convertirlo en un buen hábito. #AprendeConLiberty 🗽
2 123 hours ago
Take away the worry of unexpected health and dental bills. Guaranteed benefits for firms as small as one or two lives. No health questions. No medical exams.
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1 123 hours ago
*Mana yg lebih penting asuransi jiwa, asuransi perlindungan penyakit kritis atau asuransi perawatan di Rumah Sakit?* Sebenarnya dari ke 3 asuransi tsb tdk bs di bandingkan satu dengan yang lain, karena masing2 mempunyai fungsi yg berbeda
*Menggantikan nilai ekonomi* seseorang pada saat meninggal dunia
Asuransi perlindungan penyakit kritis:
*Menggantikan nilai ekonomi* seseorang pada saat tidak lagi *produktif* mencari nafkah ketika di diagnosa menderita penyakit kritis
Asuransi perawatan Rumah sakit:
Menggantikan semua biaya yg timbul akibat seseorang di rawat di RS karena penyakit atau kecelakaan, apalagi penyakit kritis yg menghabiskan banyak dana.
Jika seseorang meninggal dunia, ataupun di diagnosa penyakit kritis, nilai ekonomi yg harus di gantikan tentu saja tidak dalam jumlah yg kecil, dan jika kita tdk siap pasti akan terjadi penurunan standart kehidupan keluarga.. Pastikan anda memiliki ke 3 nya.
Untuk konsultasi bisa hubungi saya. 😊
We love 🌮 🌮 🌮 too but did you know the average spent on take-out food is $75 a month while the average spent on life insurance is $30?
1 305 hours ago
New rates are here in anticipation of Open Enrollment season. If you use The Marketplace to obtain your health insurance, check our rates and coverage before you make a decision. Call me at (856) 238-5001 ext. 103 or DM me for information. We are located in Galloway, providing insurance for Atlantic County residents and businesses. I look forward to helping you.
You want to see where all that money you pay towards your insurance premiums go?! It stays in the insurance companies pockets! #Aetna paid me $1 for services rendered on this patient when the submitted charges were $280. The patients copay was more than the ins company paid. And you wonder why doctors don’t want to accept insurance. What a scam. #scammers#scam#insurance#healthinsurance#whatajoke
This week we celebrated #supportyourlocalchamber Day and we wanted to take a moment to thank all of you for your continued support throughout the years!
114 years would not have been possible without you! #ourmembersarethebest
1 287 hours ago
🎥 Watch with 🔊 sound on!
. . .
Health Insurance can be confusing and since it’s #openenrollment, we thought we’d help explain the different parts of #healthinsurance. There are many sides of it that are important to pay attention to when picking your plan.
▪️Premium: the amount that you pay per month for your health insurance.
▪️Deductible: the amount you must meet before your insurance pays for medical bills. (Example: if you had a $500 deductible, you must pay 100% out of pocket for medical bills until you pay $500, then your copayment or coinsurance will kick in).
▪️Copayment: the set amount that you pay for visits to your doctor, specialist or emergency room. (Example: $20 copayment every time you see your Chiropractor).
▪️Coinsurance: a percentage amount that you must pay per visit. (Example: 20% coinsurance means that you pay 20% of the bill and your insurance pays 80%).
▪️Out of pocket maximum: the maximum amount out of pocket that you will pay for the entire year. (Example: if your out of pocket maximum is $1000, once you pay $1000 out of pocket for all medical expense, your insurance will cover all bills at 100%).
. . .
Comment below or DM me with any questions regarding your health plan.
•What does efficient, cost effective solutions mean to you? .
•How would optimizing your revenue positively effect your business? .
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>>These are just a few questions to ask yourself. Aside from the clinical aspects of your business, your revenue cycle managment is the most important component to your success.
>>>Learn more about us by clicking the link in the bio. Want more? Call us today and we would be glad to get to know you.
Think life insurance is a great idea but too expensive? Did you know the average monthly cost for term life insurance for a healthy 30 year old is *less* than a date night at the movies? 🎬 🍿 Life insurance is too important for assumptions - if you aren’t sure how much it would cost for someone like you, talk us! @lifehappens
Health care is expensive, but it should not be neglected due to financial trouble. Instead, there are ways to spend your money more wisely, which will improve your overall health and ease your financial strain. • Utilize preventive care services. Screenings and check-ups can help prevent bigger medical problems (and expenses) down the road. • Manage chronic conditions. By not adhering to treatment and medication regimens, your condition could worsen significantly. Consider mail-order pharmacies to save money on your prescriptions. • Learn more about your employer’s benefit plans. There may be cost-saving options of which you are not taking full advantage. 🏥💰💊🏨💉
Helping senior citizens better understand Medicare and get all the benefits they are entitled to at the South Euclid Community Center today. 👍🏾 I invite you to let me do a complementary review of your parent’s or grandparent’s Medicare. Be sure they’re happy with their health coverage 💊 #healthinsurance#health#medicare#medicareadvantage#medicareadvisor
3 249 hours ago
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Encontrar una buena tasa de seguro de automóvil no requiere mucho tiempo y esfuerzo. ¡Llámenos ahora, precios más bajos garantizados! 🚖🚘
1 209 hours ago
QεντA #1 🤔 Γιατί να ασφαλιστώ ενώ είμαι υγιής💪🏼;
🤓 Η βασικότερη εξαίρεση όλων των ασφαλιστηρίων υγείας είναι οι προϋπάρχουσες παθήσεις🔙. Όσο είσαι υγιής, μπορείς να ασφαλιστείς χωρίς εξαιρέσεις και έτσι να αποζημιωθείς ✅ για ό,τι και να σου συμβεί. Ενώ όσο επιβαρύνεται η υγεία σου τόσο θα μπαίνουν περιορισμοί ⛔️ στο πρόγραμμα σου.
ℹ️ Στείλε μας μήνυμα αν έχεις απορίες που θα ήθελες να λύσουμε σχετικά με την ασφάλιση υγείας.
🆓 Κάλεσε μας για συνάντηση γνωριμίας, προκειμένου να μάθεις από κοντά που και πως μπορείς να ασφαλιστείς.
🔢 Πάρε προσφορές από τις μεγαλύτερες ασφαλιστικές εταιρείες και βρες τι σου ταιριάζει.
"It was our error entirely..." Wow. You don't see that every day. Apparently, a powerchair's cost is similar to a new car. I'm not exaggerating. I obviously only have to pay a fraction of that due to health insurance. My insurance complicated things by contracting 2 separate companies for me to get the chair, even though my insurance didn't have any contact with me about how to go through the process. The first company gave me a quote. Then I got the chair, only to find out that the company that gave me the quote had nothing to do with billing. The 2 companies have absolutely no communication. The billing company never contacted me to let me know how much I would owe for the chair, so when I got the chair, it was like I signed a blank check. I was shocked when I got a bill a month after having the chair that was DOUBLE what I was told I would owe. Now to have that admission of guilt from a company that quoted me--who had no business doing so, put in writing that they were at absolutely at fault, and then have the audacity to say they cannot help fix the billing error, this is ridiculous. The other company I'm fighting against has a lot of fraudulent billing reports against them online. This is not okay. These companies just keep intentionally ripping people off. Today I asked the rep on the phone, "Did your company try to contact me to let me know how much I owed before I got the wheelchair?" Because that seems like it would be required. No one would buy a car without knowing the price. She replied, "We have in our notes that you never requested an estimate." Do you know why I never requested an estimate? I didn't know the company even existed! No one ever told me that I had to go through them for billing. I had no reason to think that the quote I was given at the beginning from the first company wasn't real. The rep on the phone went on to ask me, "What do you expect to get from this?" As in, what do I expect to get from questioning this fraudulent billing? I expect to pay the amount that I was originally quoted because their lack of communication is not my problem. Anything else is unacceptable.
(ID in comments)
22 1544:45 AM Sep 29, 2018
#PoliticalTuesday: “Why a patient paid a $285 copay for a $40 drug” (PBS NewsHour)
“USC researchers analyzed 9.5 million prescriptions filled during the first half of 2013. They compared the copay amount to what the pharmacy was reimbursed for the medication and found in the cases where the copay was higher, the overpayments averaged $7.69, totaling $135 million that year.
USC economist Karen Van Nuys, a lead author of the study, had her own story of overpayment. She discovered she could buy a one-year supply of her generic heart medication for $35 out of pocket instead of $120 using her health insurance.”
15 3566:25 PM Aug 21, 2018
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