tag:blogger.com,1999:blog-23332155100410873692024-03-20T05:03:35.945-07:00Study insurance in mobileStudy insurancein mobile, Learn insurancein mobileThượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.comBlogger344125tag:blogger.com,1999:blog-2333215510041087369.post-20736788542375682422016-11-30T05:38:00.000-08:002016-11-30T05:38:27.964-08:00Taxpayers To Pay $90 billion in the 1st Year Under Hillary Clinton's proposal <div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR0YOUAxpRuO1_NAOI7p2NRBmd_TeWPmfnJPZH5Fdv5ZIdfMw6kTZGiuQsMAJeoZRyNcnDVRxXiAoag96Nj2ohA4W5p2rsfjJk1nv0adrxuhSNYs5XY-jHhG0rGdwKYeccIOfhtL5gOtUB/s1600/Trumpcare+vs+Hillarycare.jpg" imageanchor="1" style="clear: left; display: inline !important; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img alt="Obamacare, Hillary Clinton healthcare, Trumpcare" border="0" height="145" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR0YOUAxpRuO1_NAOI7p2NRBmd_TeWPmfnJPZH5Fdv5ZIdfMw6kTZGiuQsMAJeoZRyNcnDVRxXiAoag96Nj2ohA4W5p2rsfjJk1nv0adrxuhSNYs5XY-jHhG0rGdwKYeccIOfhtL5gOtUB/s200/Trumpcare+vs+Hillarycare.jpg" title="Obamacare, Hillary Clinton healthcare, Trumpcare" width="200"></a><br>
If Hillary Clinton is to win the presidency and if her proposal to provide families a tax credit to help them pay for premiums, deductibles and coinsurance analyst said the taxpayers have to shell out an additional $90 billion in the first year.<br>
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The <a href="http://www.usnews.com/news/articles/2011/03/03/think-tank-employees-tend-to-support-democrats" target="_blank">democrat leaning Commonwealth Fund RAND Corporation</a> published a report of the Hillary's health agenda on Friday along with it is Donald Trump's proposal to repeal the Affordable Care Act. President Barrack Obama's health-care law has been dogged with low enrollment and majority of the big insurers are dropping participation in the exchanges because of the cost that they are incurring. Experts argue that the markets are fundamentally unstable.<br>
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<a href="http://hoctrenmobile.blogspot.com/2016/09/taxpayers-to-pay-90-billion-in-1st-year.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-33017050568267639162016-11-20T06:43:00.000-08:002016-11-20T06:43:45.556-08:00Medical Necessity: Here we go again<div class="separator" style="clear: both; text-align: center;">
<a href="https://s.yimg.com/uu/api/res/1.2/leZZuRtPU1bMjVrZWDuHFw--/aD0xMDExO3c9NjAwO3NtPTE7YXBwaWQ9eXRhY2h5b24-/https://s.yimg.com/cd/resizer/2.0/FIT_TO_WIDTH-w600/212a2008d0db81efe92b946fb1679ccc9e92e3c2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="140" src="https://s.yimg.com/uu/api/res/1.2/leZZuRtPU1bMjVrZWDuHFw--/aD0xMDExO3c9NjAwO3NtPTE7YXBwaWQ9eXRhY2h5b24-/https://s.yimg.com/cd/resizer/2.0/FIT_TO_WIDTH-w600/212a2008d0db81efe92b946fb1679ccc9e92e3c2.jpg" width="83"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you want to understand why your <a href="http://insureblog.blogspot.com/2016/09/more-3000-rate-decreases.html" target="_blank">rates keep going up</a>, you can lay a big chunk of the blame on items like this (in email from <a href="http://www.mmoh.com/" target="_blank">Medical Mutual</a> this morning):<br><br>"<i><span style="font-family: "times" , "times new roman" , serif;">To be compliant with the non-discrimination rule outlined in the Affordable Care Act (section 1557), we will remove broad exclusions for gender transition treatment</span></i>"<br><br>Let's dial back a bit, and talk about why this is so stupid. In the earliest days of this blog, we participated in a discussion with other bloggers about medical necessity and In Vitro Fertilization (IVF). We averred that:</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/09/medical-necessity-here-we-go-again.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-72153827612689081092016-11-15T00:53:00.001-08:002016-11-16T01:53:31.920-08:00US legal profession - American Immigration Lawyers<!--[if gte mso 9]><xml>
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<span lang="X-NONE" style="font-family: "arial"; font-size: 14.0pt;">US legal profession - American Immigration
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administrative offices, teaching in schools law, judges or prosecutors. In it,
a lawyer in the US is considered popular and highest salary so many people want
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" width="320"></span></div>
<a href="http://hoctrenmobile.blogspot.com/2016/11/normal-0-false-false-false.html#more">Read more »</a>Anonymoushttp://www.blogger.com/profile/04746745365054876050noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-22092223786586459832016-11-14T20:34:00.000-08:002016-11-15T06:01:25.629-08:00<h2>
Car insurance in the US</h2>
<h2>
Your questions about insurance of automobiles in the US</h2>
I wanted to practice driving exam, but the DMV says must have insurance, I could not compete. I do not have a car, so I do not know how to buy insurance.<br>
<a href="http://hoctrenmobile.blogspot.com/2016/11/car-insurance-in-us-questions-about.html#more">Read more »</a>Anonymoushttp://www.blogger.com/profile/04746745365054876050noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-53627104912033764892016-11-13T19:46:00.001-08:002016-11-13T19:46:50.194-08:00Making Strides Against Breast Cancer<div class="separator" style="clear: both; text-align: center;">
<a href="http://main.acsevents.org/images/msabccy15rflcy16/strides-logo.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="58" src="https://main.acsevents.org/images/msabccy15rflcy16/strides-logo.jpg" width="140"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">I am raising money with my team, Love, Hope and Faith, who will walk on Saturday, October 15th in the <a href="http://main.acsevents.org/site/TR?fr_id=77398&pg=personal&px=38384062" target="_blank"><b>Making Strides Against Breast Cancer walk</b></a> in Dayton,Ohio.</span></div>
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<br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/11/making-strides-against-breast-cancer.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-56690955958716743832016-11-13T08:07:00.001-08:002016-11-13T08:07:59.525-08:00Hey, it's only (Your) money<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.clipartkid.com/images/713/sack-of-money-clipart-clipart-panda-free-clipart-images-HoZ3go-clipart.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="140" src="https://www.clipartkid.com/images/713/sack-of-money-clipart-clipart-panda-free-clipart-images-HoZ3go-clipart.png" width="86"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">So it appears that Our Betters in DC© are funneling money to their O'Care enablers:<br><br>"<a href="http://www.politico.com/story/2016/09/obamacare-funds-misused-228908" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">The Obama administration is illegally sending payments to health insurers instead of to the federal Treasury as Obamacare requires, according to a new report from the Government Accountability Office</span></i></a>."<br><br>Now, where is it getting this money? Well, that's a good question:</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/11/hey-it-only-your-money.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-14695160500465706792016-11-13T06:36:00.000-08:002016-11-13T06:36:10.489-08:00Health Wonk Review: Mazel Tov to CHII edition<div style="text-align: justify;">
<span style="font-family: "segoe ui symbol" , sans-serif; mso-bidi-font-family: "Segoe UI Symbol";">Our good friend Louise Norris, co-proprietor (along with her husband Jay) of the Colorado Health Insurance Insider blog hosts <a href="https://www.healthinsurancecolorado.net/tenth-anniversary/" target="_blank"><span style="color: red;"><b>this week's round-up</b></span></a> of health care wonkery. And it's extra special because they're celebrating the blog's 10 year anniversary [<i>ed: newbies!</i> 😃</span><span style="font-family: "arial" , "helvetica" , sans-serif;">].</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/09/health-wonk-review-mazel-tov-to-chii.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-38061361270890528042016-11-11T19:16:00.001-08:002016-11-11T19:16:12.007-08:00Mid-Week Linkage Roundup<div class="separator" style="clear: both; text-align: center;">
<a href="http://gallantfish.com/wp-content/uploads/2009/11/iStock_000006260732Small-462x384.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="116" src="https://gallantfish.com/wp-content/uploads/2009/11/iStock_000006260732Small-462x384.jpg" width="140"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: purple;">■ </span>From the "Everything Old is New Again" Department: My late mother had <a href="http://www.ninds.nih.gov/disorders/post_polio/detail_post_polio.htm" target="_blank">Post-Polio Syndrome</a>, a result of childhood exposure, but (thankfully) she never had the full-blown version of the dread disease. A common treatment for those that did was the so-called "iron-lung." Fortunately, we've long since eradicated polio, but FoIB <a href="http://www.lifehealthpro.com/author/allison-bell" target="_blank">Allison Bell</a> warns that we may have to dig those old machines out of mothballs:<br><br>"<a href="http://www.thevaccinereaction.org/2016/08/naled-may-be-ddt-and-zika-may-be-polio-all-over-again/" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">Zika May Be Polio All Over Again ... the CDC concluded, “after careful review of existing evidence,” that “Zika virus is a cause of microcephaly and other severe fetal brain defects” in newborn infants</span></i></a>."</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/11/mid-week-linkage-roundup.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-5704652822393846572016-11-11T02:11:00.000-08:002016-11-11T02:11:21.408-08:00Gov't Try to Fix Obamacare with Big Changes<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTNWzoy7zt8z7lCT83JMOakY7ds1hr-kLQ0Z_oN-8qqjs76pznYLPomXAUzYMsWKu82NWjh2v9TmNBwT2VzFXnaUDWy4tgKJxEYJuKNEnmTOCJd5IvkDknKMWhZYD5RYdfIl7Yjm2BpiWK/s1600/DemocRATS+Obamacare.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Obamacare, ACA, health care act, health care law" border="0" height="149" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTNWzoy7zt8z7lCT83JMOakY7ds1hr-kLQ0Z_oN-8qqjs76pznYLPomXAUzYMsWKu82NWjh2v9TmNBwT2VzFXnaUDWy4tgKJxEYJuKNEnmTOCJd5IvkDknKMWhZYD5RYdfIl7Yjm2BpiWK/s200/DemocRATS+Obamacare.jpg" title="Obamacare, ACA, health care act, health care law" width="200"></a></div>
The Obamacare or the Affordable Care Act has been hit with some major setbacks as big health insurers like Aetna are pulling out of the public exchanges, also some regulators have said that the exchanges is collapsing due to increases in premium prices and the dwindling number of insurers.<br>
<a href="http://hoctrenmobile.blogspot.com/2016/08/gov-try-to-fix-obamacare-with-big.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-52819442145082074562016-11-10T06:15:00.000-08:002016-11-10T06:15:33.930-08:00Is there a future for private insurance exchanges?<div class="MsoNormal">
<span style="font-size: large;">The collapse of most Obamacare exchanges has captured the attention of the media in recent months.<span style="mso-spacerun: yes;"> </span>This may explain the lack of news about private exchanges. <span style="mso-spacerun: yes;"> </span>Private exchanges have not exactly caught fire, but<span style="mso-spacerun: yes;"> </span>they have not disappeared either.<span style="mso-spacerun: yes;"> </span>The failure of Obamacare exchanges may increase calls for a national medical welfare program.<span style="mso-spacerun: yes;"> </span>Ironically that same failure increases the future potential for private exchanges.<span style="mso-spacerun: yes;"> </span>So even as Obamacare exchanges continue to collapse, work to develop and market private exchanges continues and the future of those private exchanges remains hazy.<span style="mso-spacerun: yes;"> </span>Some factors:<o:p></o:p></span></div>
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</div><a href="http://hoctrenmobile.blogspot.com/2016/09/is-there-future-for-private-insurance.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-55500041137406348742016-11-10T06:14:00.000-08:002016-11-10T06:14:51.555-08:00We DESERVE Free Healthcare<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtgpbQHXyuDjhnjes2D6QXL1M6TjczamM0s-Q015PcmV-slcVfdVXp7XCSfgIlX8lFN-U39vyVTe9c1Adkh1nSOmVU14iYKBVV1uzXztrYlPS2XHwSbBb9RcHmkJWL4hyphenhyphenVTScUVBy7FLw/s1600/hospital+closed.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="132" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtgpbQHXyuDjhnjes2D6QXL1M6TjczamM0s-Q015PcmV-slcVfdVXp7XCSfgIlX8lFN-U39vyVTe9c1Adkh1nSOmVU14iYKBVV1uzXztrYlPS2XHwSbBb9RcHmkJWL4hyphenhyphenVTScUVBy7FLw/s200/hospital+closed.jpg" width="200"></a>I suppose it is a function of age, but I tire of the people that whine about how they DESERVE this or DESERVE that. They utter the word with such passion that the casual listener may actually believe these people have worked hard or contributed something of value, therefore they are ENTITLED to something in exchange.<br>
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Unfortunately, many of those who say they DESERVE "free" healthcare, or are ENTITLED to "free" healthcare have done nothing to EARN "free" healthcare.<br>
<a href="http://hoctrenmobile.blogspot.com/2016/09/we-deserve-free-healthcare.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-43633261453362488402016-11-10T06:13:00.000-08:002016-11-10T06:13:39.925-08:00Don't Get Too Excited Pinal County<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUGynPEDyke7HtiawyZYXM1MQ3Q0xPNwDj33to-2zA5UcNtM903sjh2pfuKWBPWsFiPe2XRGFzEe5P2AhfDbIO-jJmrUGS9mNVrvHA9uR0uo99dlvsnus5SrRwGp0OTtJ3tNO5DdLKO2Y/s1600/Pinal_County_AZ_map.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUGynPEDyke7HtiawyZYXM1MQ3Q0xPNwDj33to-2zA5UcNtM903sjh2pfuKWBPWsFiPe2XRGFzEe5P2AhfDbIO-jJmrUGS9mNVrvHA9uR0uo99dlvsnus5SrRwGp0OTtJ3tNO5DdLKO2Y/s200/Pinal_County_AZ_map.jpg" width="200"></a>News broke of Blue Cross Blue Shield of Arizona remaining in the marketplace in Pinal County, Arizona late on Wednesday. Obamacare supporters will rejoice with a thunderous round of applause to the insurance company and positive vibes about how tax credits will keep costs low. But the folks in Pinal County have little to get excited about.<br>
<a href="http://hoctrenmobile.blogspot.com/2016/09/don-get-too-excited-pinal-county.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-36168354703891966202016-11-10T06:12:00.001-08:002016-11-10T06:12:41.115-08:00Tick-Tock: Welcome to the Walmart Marketplace<div class="separator" style="clear: both; text-align: center;">
<a href="http://vertassets.blob.core.windows.net/image/1f5c9536/1f5c9536-741c-4051-8b68-0d5207ac1c07/walmart_omni_channel_retail.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="41" src="https://vertassets.blob.core.windows.net/image/1f5c9536/1f5c9536-741c-4051-8b68-0d5207ac1c07/walmart_omni_channel_retail.jpg" width="140"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">As we noted <a href="http://insureblog.blogspot.com/2016/08/welcome-to-walmart-obamacare-style.html" target="_blank"><b>earlier this month</b></a>, agents have the <b>opportunity</b> to sell ObamaPlans at Walmart stores around the country. But the window for signing up to do so is closing.<br><br>From email:</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/11/tick-tock-welcome-to-walmart-marketplace.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-49808623109288791122016-11-10T06:11:00.001-08:002016-11-10T06:11:42.686-08:00MVNHS© circling the drain?<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.bluebastard.ca/wp-content/uploads/2013/09/flush-toilet-swirl.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="140" src="https://www.bluebastard.ca/wp-content/uploads/2013/09/flush-toilet-swirl.jpg" width="118"></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Earlier this month, <a href="http://insureblog.blogspot.com/2016/08/mvnhs-update.html" target="_blank">we noted the financial difficulties</a> facing the Much Vaunted National Health Service©, and observed that if you're a government-run health care system and you're going broke, that's a problem. But it's not the only problem - lack of self-awareness is also strong:</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/11/mvnhs-circling-drain.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-63385263846203740912016-11-10T06:07:00.001-08:002016-11-10T06:07:52.012-08:00EpiPen: The EpiLogue<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">The other day, I linked to David Williams' <a href="https://healthbusinessblog.com/2016/08/26/epipen-is-still-too-cheap/?platform=hootsuite" target="_blank">insightful post</a> countering the conventional EpiPen narrative. Turns out there's even more fallout:</span><br>
</div><a href="http://hoctrenmobile.blogspot.com/2016/08/epipen-epilogue.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-3528256812493950602016-11-10T06:07:00.000-08:002016-11-10T06:07:22.852-08:00History Can Be Fun<span style="font-family: "arial"; font-size: 11pt;">Shortly after ACA was enacted into law in 2010, Senate Finance Chairman Max Baucus, whose Committee wrote most of it, "tried to calm an angry Montana voter by saying this: “Mark my words, several years from now, you’re going to look back and say, “<a href="http://insureblog.blogspot.com/2010/09/not-so-bad-after-all.html">Well that wasn't so bad after al</a>l”.</span><span style="font-family: "arial"; font-size: 11pt;"> </span><br>
<span style="font-family: "arial"; font-size: 11pt;"><br></span><span lang="EN" style="color: black; font-family: "arial"; font-size: 11.0pt;">Senator, we did mark your words.</span><br>
<span lang="EN" style="color: black; font-family: "arial"; font-size: 11.0pt;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br>
<span lang="EN" style="color: black; font-family: "arial"; font-size: 11.0pt;">It’s now been several years.<span style="mso-spacerun: yes;"> </span></span><br>
<a href="http://hoctrenmobile.blogspot.com/2016/08/history-can-be-fun.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-7175902777976238352016-11-08T08:20:00.000-08:002016-11-08T08:20:03.948-08:00Travel Insurance is a Necessity<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLjYsW9ps3W685mFisohYx4blHpcMaE7q7cXXNx7YV9LExktVVEtnq03_vPSaGDBk5vyaHKlkAlQsIAZE6-OnyY6TzIMwxXVNwccWp9bKfK-koqhlVbhyhn7L-IxCvbwyqieG1Y20h6b9q/s1600/travel+insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Travel Insurance is a Necessity, travel, insurance, travel insurance" border="0" height="124" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLjYsW9ps3W685mFisohYx4blHpcMaE7q7cXXNx7YV9LExktVVEtnq03_vPSaGDBk5vyaHKlkAlQsIAZE6-OnyY6TzIMwxXVNwccWp9bKfK-koqhlVbhyhn7L-IxCvbwyqieG1Y20h6b9q/s200/travel+insurance.jpg" title="Travel Insurance is a Necessity, travel, insurance, travel insurance" width="200"></a></div>
The primary reason for getting a travel health insurance is to have a peace of mind that your medical expenses are covered in an event of an injury or unexpected sickness during your vacation in another country. when you go abroad, you will face uncertainty and your current insurances generally will not cover the risks associated with traveling overseas.<br>
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<a href="http://hoctrenmobile.blogspot.com/2015/02/travel-insurance-is-necessity.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-62134126899551099062016-11-08T08:19:00.001-08:002016-11-08T08:19:46.631-08:00Anbang Insurance Group of to acquire Fidelity & Guaranty Life US<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVRo-gFGW6Z3nieJg39jzJCAkHRxfLrJcNG7kcqpc_KIjCk4o071U_Ifg-NV3jh5T5JzU2IW_xXSM4LlgZ3fIPutRIxOAFlmhL7aSTDte1MD8FHx6PGf_ktBhG6Y795YdGT5PAShU_9kBP/s1600/Anbang.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Anbang Insurance Group, Fidelity & Guaranty Life, Insurance" border="0" height="71" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVRo-gFGW6Z3nieJg39jzJCAkHRxfLrJcNG7kcqpc_KIjCk4o071U_Ifg-NV3jh5T5JzU2IW_xXSM4LlgZ3fIPutRIxOAFlmhL7aSTDte1MD8FHx6PGf_ktBhG6Y795YdGT5PAShU_9kBP/s320/Anbang.jpg" title="Anbang Insurance Group, Fidelity & Guaranty Life, Insurance" width="320"></a></div>
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Anbang Insurance Group Co., Ltd., a leading global comprehensive insurance group based in Beijing, China, will buy the Fidelity & Guaranty Life FGL, -1.64% ("FGL"), a leading provider of annuities and life insurance in the U.S. for about $1.57 billion as Chinese insurers seek to expand into the United States.<br>
<a href="http://hoctrenmobile.blogspot.com/2015/11/anbang-insurance-group-of-to-acquire.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-48111673353287848772016-11-08T08:19:00.000-08:002016-11-08T08:19:28.488-08:00Disability Insurance What You Need to Know<div class="separator" style="clear: both; text-align: center;">
<a href="http://amzn.to/2bfFBnt" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" target="_blank"><img alt="Disability Insurance" border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4TJW1qq2jRv1G5FokcZhoIblKtlEOy5En8-sTx7irykgg-flyFb9yYO6ZDePDl0mLXYtPX0NuoBh-7GUiS5hXtofJohAfSdPrHOLPz_ax7IoaU5NHbqm24tsqjDhwwK2JrTfgjumfmihN/s200/Disable+logo.png" title="Disable Logo" width="200"></a></div>
Disability <a href="http://amzn.to/2bfFBnt" rel="nofollow" target="_blank">Insurance</a> or sometimes called DI, disability income insurance, or Disability Income protects the insurers earned income against the risk of disability. It would pay a portion of your salary, creating a safety in case of illness, disability or accidents that render the individual unable to work.<br>
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For instance an employee may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD). If you suddenly become ill or disabled the Disability Insurance can help you pay your bills, make your monthly rent or mortgage loan payments, buy your groceries, make your car payments, pay for your children's education, etc.<br>
<a href="http://hoctrenmobile.blogspot.com/2016/08/disability-insurance-what-you-need-to.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-63539655223971724182016-11-08T08:18:00.001-08:002016-11-10T06:06:45.752-08:00Hillary Clinton Lost 2016 Presidential Debate to Trump<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRiF_lOkIbSo_TjWXj0UsYJBKw-fR4cqk3Kg-g62whwpKyzw21gmjrTNDulMjf1G_L_Qhy625dl7qvypHz1gCLIdYkxHxqZK53_QbQoo40B-Dp_u57o6W-LlmjonclUBsK5nYWfiMu3WPz/s1600/Trump+Clinton+Debate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="debate, Donald Trump, Hillary clinton" border="0" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRiF_lOkIbSo_TjWXj0UsYJBKw-fR4cqk3Kg-g62whwpKyzw21gmjrTNDulMjf1G_L_Qhy625dl7qvypHz1gCLIdYkxHxqZK53_QbQoo40B-Dp_u57o6W-LlmjonclUBsK5nYWfiMu3WPz/s320/Trump+Clinton+Debate.jpg" title="debate, Donald Trump, Hillary clinton" width="320"></a></div>
<a href="http://hoctrenmobile.blogspot.com/2016/09/hillary-clinton-lost-2016-presidential.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-86802285785102065622016-10-02T10:00:00.000-07:002016-11-08T08:14:37.266-08:00L'Shannah Tova 5777<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">This evening marks the beginning of the Days of Awe, starting with "Jewish New Year's" (Rosh HaShannah) and culminating in the Day of Atonement (Yom Kippur). This year, I thought I'd let <strike>Dr Amy Farrah Fowler</strike> Mayim Bialik and her friends do the honors of explaining some of the symbols and rituals.</span></div>
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</div><a href="http://hoctrenmobile.blogspot.com/2016/10/l-tova-5777.html#more">Read more »</a>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-79147512607291656562016-09-29T10:46:00.000-07:002016-11-08T08:12:11.642-08:00Frustrating Circumstances<div class="separator" style="clear: both; text-align: center;"><a href="http://rs299.pbsrc.com/albums/mm288/larryo340/Funny%20gifs/8011098.gif~c200" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://rs299.pbsrc.com/albums/mm288/larryo340/Funny%20gifs/8011098.gif~c200" height="100" width="100" /></a></div><div style="text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I originally thought this would be another in our series of either Stupid Government or Frustrating Carrier Tricks. But it's really about how "life happens."<br /><br />So we know that HHS has been <a href="http://insureblog.blogspot.com/2016/09/are-you-special.html" target="_blank">cracking down on</a> off-season ("Special Open") enrollments, leading carriers to be particularly stringent on what documentation they'll accept, and adhering tightly to the 60-day open window.<br /><br />But sometimes, even having all the documentation one <i>thinks</i> is necessary just isn't enough, and it's not the fault of the proposed insured, the carrier, <b>or</b> the government.<br /><br />Here's the story:<br /><br />Bill was covered under his wife's health insurance policy until their divorce this summer. The divorce was actually finalized on July 13th, but Bill's ex told him that her boss had promised to keep him on the plan through the end of the month (that would be July 31st, for those following along at home). Divorce is one of the Special Open Enrollment triggers, as is involuntary loss of group coverage. Typically, the clock starts ticking the day the divorce is finalized, or when the coverage ended.<br /><br />Because we believed that Bill was covered until July 31, we presumed that the clock started then, and we had 60 days to obtain new coverage. Bill didn't contact me until early this month, so we knew that clock was ticking, but believed we'd be clear for an October 1 effective date.<br /><br />We submitted the application and supporting documents (well, those we knew about), one of which was the Proof of Coverage from the group plan. It said that coverage ended July 1, but since we'd been assured by Bill's ex that this wasn't the case, we pushed forward.<br /><br />As the 60 day window continued to close, I asked Bill for more documentation to prove that we'd gotten in under the wire.<br /><br />This is what I got in email this morning:<br /><br />"<i><span style="font-family: "times" , "times new roman" , serif;">It was not supposed to end until Augus! I found out yesterday that it was cancelled July 1, and my ex's was cancelled August 1. She has left that position and is suing the guy she was working for. I have not been able to reach this former employer. Calls not being returned. I really don't know what to do at this point</span></i>."<br /><br />So basically, the carrier was correct that we'd missed the deadline, and will be refunding Bill's initial payment shortly. On the bright side, I was able to come up with a pretty nifty solution to Bill's coverage and ACA problem (but that's another post).<br /><br />The moral of this little [<i>ed: "little</i></span><i><span style="font-family: "arial" , "helvetica" , sans-serif;"><!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings></xml><![endif]--></span></i><span style="font-family: "arial" , "helvetica" , sans-serif;"><i><span style="color: black; font-family: "cambria" , serif; font-size: 9.5pt;">‽</span>"</i>] story is that sometimes one can dot all the right i's and cross all the right t's, and still come up short.</span></div>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-1417102685494823122016-09-28T10:14:00.000-07:002016-11-08T08:12:11.655-08:00About those "High Deductible Health Plans"<div class="separator" style="clear: both; text-align: center;"><a href="http://www.piratejeni.com/wp-content/uploads/2016/02/Winning-feeling-Retro620.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://www.piratejeni.com/wp-content/uploads/2016/02/Winning-feeling-Retro620.png" height="99" width="140" /></a></div><div style="text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Back in 1992, I was introduced to the world of Medical Savings Accounts. These then-cutting edge plans were unique in that they touted $1,000+ deductibles in a world where $500 was considered exorbitant. But they offered substantial savings, part (or all) of which could be socked away to help defray future needs.<br /><br />As time went on, MSA's evolved into tax-advantaged HSA's, but the basic premise was undisturbed: in consideration for the insured taking on more risk, the carrier agreed to a lower premium.<br /><br />Win-win.<br /><br />Especially because a young, healthy person could sock away quite the nest egg.<br /><br />Eventually, though, the ObamaTax came along, with out-of-pockets that dwarfed traditional HSA's, coupled with premiums that matched what used to be considered the most expensive "high end" plans. So: lose-lose.<br /><br />FoIB Allison Bell has a terrific new article on the effect that ACA-compliant plans with ever higher deductibles - and premiums that <i><b>don't</b></i> reflect them - are having on the average person. She cites a new Guardian Life report "<a href="http://www.lifehealthpro.com/2016/09/27/3-things-workers-say-about-high-health-plan-deduct?eNL=57eb009d160ba0cc7f2c7378&utm_source=LHPro_Daily&utm_medium=EMC-Email_editorial&utm_campaign=09282016&page=3" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">based on a recent online survey of about 1,700 U.S. workers</span></i></a>."<br /><br />And the findings are eye-opening (or cringe-worthy; your call). For instance:<br /><br />"[<i><span style="font-family: "times" , "times new roman" , serif;">O]only 44 percent of the workers surveyed this year told Guardian they had enough cash in a checking account or savings account to pay a $3,000 medical bill.<br /><br />About 34 percent said they would use credit cards to pay bills that big</span></i>."<br /><br />Great.<br /><br />And here's another:<br /><br />"<i><span style="font-family: "times" , "times new roman" , serif;">About one-third of the workers in high-deductible plans said they had skipped what they thought was a necessary doctor visit, avoided a blood test, delayed a procedure, failed to fill a prescription or avoided X-rays because of cost</span></i>."<br /><br /><a href="http://insureblog.blogspot.com/2016/03/more-bad-trainwreck-news.html" target="_blank">We've seen this before</a>: your insurance is too expensive to use. Of course, because plans are guaranteed issue and can't exclude pre-existing conditions, by definition they're going to cost more - much more - so any savings that were once available to those with higher deductibles is now gone.<br /><br />#O'CareWinning!</span></div>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-63805930299472160602016-09-28T05:53:00.000-07:002016-11-08T08:12:11.667-08:00If you like your plan... (Part 6,392)<div class="separator" style="clear: both; text-align: center;"><a href="http://thesnowballeffect.com/wp-content/uploads/2015/01/spiriling-down.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://thesnowballeffect.com/wp-content/uploads/2015/01/spiriling-down.jpg" height="140" width="132" /></a></div><div style="text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;">And the hits just keep on coming: first <a href="http://insureblog.blogspot.com/2016/09/if-you-like-your-plan-nebraska-style.html" target="_blank">Nebraska</a>, then <a href="http://insureblog.blogspot.com/2016/09/its-only-money.html" target="_blank">Indiana</a>, and now The Volunteer State:<br /><br />"<a href="http://hotair.com/archives/2016/09/27/blue-cross-blue-shield-tennessee-dropping-majority-obamacare-customers/" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">Blue Cross Blue Shield of Tennessee is dropping most of its Obamacare customers</span></i></a>"<br /><br />And no wonder: the carrier anticipates eating half a <b>billion</b> dollars in losses from these plans. That's a <i>lot</i> of scratch, even for the Blues.<br /><br />Look for more of these as we inch closer to Open Enrollment v4.0.<br /><br />#O'CareWinning!</span></div>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0tag:blogger.com,1999:blog-2333215510041087369.post-68064281374613827422016-09-27T10:30:00.000-07:002016-11-08T08:12:11.725-08:00It's only money [UPDATED]<div class="separator" style="clear: both; text-align: center;"><a href="https://mrbarlow.files.wordpress.com/2011/07/rip-off-bandaid.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="92" src="https://mrbarlow.files.wordpress.com/2011/07/rip-off-bandaid.jpg" width="140" /></a></div><div style="text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: x-small;"><span style="color: red;"><i><b>[Scroll down for update]</b></i></span></span> </span><br /><br /><span style="font-family: "arial" , "helvetica" , sans-serif;">The ostensibly toothless Individual Mandate seems to have hit more people in '14 than previously reported.<br /><br />A <i><b>lot</b></i> more:<br /><br />"<a href="http://freebeacon.com/issues/8-1-million-taxpayers-paid-1-7-billion-obamacare-penalties-2014/" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">[A]bout 560,000 more taxpayers paid about $200 million more in penalties than was previously reported</span></i></a>"<br /><br />That upped the total for the year to $1.7 <b>billion</b>, and graphically demonstrated (as if this weren't obvious from the git-go) just how "sustainable" the ObamaTax <u>isn't</u>.<br /><br />To help mitigate the pain, several senators have introduced the <i>Obamacare Tax Relief and Consumer Choice Act</i> under which, if passed and signed into law [<i>ed: <a href="https://s-media-cache-ak0.pinimg.com/564x/85/8b/7d/858b7d9589e62e73738c68f505c603b8.jpg" target="_blank">Heh</a></i>], "<i><span style="font-family: "times" , "times new roman" , serif;">individuals would not have to pay the penalty if health insurance premiums in their state rose by 10 percent or more or if they could not afford deductibles</span></i>."<br /><br />Exit question: Why won't the Powers That Be tell us how many folks actually <b>paid</b> the penalty (in cold hard cash) as opposed to having it withheld from their refunds?<br /><br /><span style="font-size: x-small;"><span style="color: red;"><i><b>[Hat Tip: FoIB Holly R]</b></i></span></span></span><br /><br /><div style="text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div><div style="text-align: justify;"><span style="font-size: small;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><b>UPDATE</b></span>: And it just got more challenging for folks in Indiana:<br /><br />"<a href="http://www.washingtonexaminer.com/article/2602977" target="_blank"><i><span style="font-family: "times" , "times new roman" , serif;">About 27,000 Hoosiers will lose their Obamacare plans next year, after Indiana University Health Plans announced it is withdrawing from the Indiana marketplace</span></i></a>."<br /><br />But remember:<br /><br /><iframe allowfullscreen="" frameborder="0" height="221" src="https://www.youtube.com/embed/iGAdrQ2RpdM" width="392"></iframe><br /><br /><span style="font-size: x-small;"><span style="color: red;"><i><b>[Hat Tip: <a href="http://%E2%80%8F@adrianacohen16/" target="_blank">Adriana Cohen</a>]</b></i></span></span></span></span></div></div>Thượng Võhttp://www.blogger.com/profile/05850077443374790736noreply@blogger.com0