times interest earned be smaller than fixed charge coverage

The fixed charge coverage ratio measures the firm's ability to meet all fixed obligations rather than interest payments alone, on the assumption that failure to meet any financial obligation will endanger the position of the firm

fixed and floating charge

Payment of insurance is nothing but the premium paid towards the insurance policy. The premium amount includes the charge of coverage per unit (for example, the charge of coverage for $1000 might be $10. So, to have an insurance coverage for $10,000 the charge of coverage would be $100) plus the expenses incurred by the insurance company for the policy.

Yes medicaid can deny you for prescripition drug coverage if you have had a minor possesion charge this is because it is a falony charge and they are thinking you will try and sell them.