What can you substitute vegetable oil with when baking a cake?
You can substitute with apple sauce or pureed fruit.
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Just another low-down method of cheating Americans out of their money. No MD's or medical facilities have even heard about it, let alone accept it in the Greater Cincinnati area. It took me 4 months to get them to answere their phone to cancel my subscription, costing me over $200 in "donations" to …nothing. ( Full Answer )
Answer . I don't know about the term 'expire' if you do not pay your premiums you could certainly run the risk of your policy canceling for non payment.
Answer . A co-pay is a flat payment that is the responsibility of the patient that is assessed to an event; such as a doctor visit or a prescription purchase. Similare to a copay...co-insurance is typically a calendar year responsibility of the patient; such as 20% or 30% that is paid by the pa…tient after meeting a deductible (if applicable). There is usually a maximum out-of-pocket limit, such as $1,000, $2,000 or higher that is the most a member can pay prior to the plan paying 100% during a calendar or benefit year. Copays do not always count toward the out-of-pocket limit.. Example of how a co-pay event might work..... Patient visits doctor for cold. Patient pays $20 co-pay at time of visit. Doctor bills insurance $100 for "sticker price" of the visit and $20 for labwork. Because the doctor is a contracted "in-network" provider, the insurance carrier only allows $65 to be charged for the office visit. Since $20 has already been paid by the patient, they send a payment to the doctor of $45. The insurance carrier determines that the $30 is subject to coinsurance and pays 80% and determines that the patient is responsible for the other 20% - or $4. The patient would ultimately receive a bill from the doctor for $4. ( Full Answer )
http://www.businessandmedia.org/printer/2007/20070718153509.aspx You should go here to read this article. The number of uninsured isn't as simple as 47 million. Many of those people aren't Americans, or can afford health insurance and simply opt-out, etc. This number is VERY debatable. It might even… be as low as 8 - 9 million Americans. Did you want Fox News Numbers or CNN numbers? 8-9 million sounds like Fox News talking. ( Full Answer )
There are numerous reasons why individuals take out healthinsurance. They are by and large looking for significant serenity -the security of knowing they can become acquainted with the rightlevel of consideration and treatment they oblige while beingmonetarily ensured. Key advantages of health insur…ance you can havechoice of surgeon/doctor and choice of hospital etc ( Full Answer )
Since you put this under "life insurance", I assume you are not referring to a health insurance policy. With that said, if you are in poor health, you can still get a life insurance policy in most cases. However, a small number of states have more strict regulations on the types of policies known a…s "guaranteed issue" which allow those in poor health to get approved for. I will be more than happy to discuss this with you further, as well as obtain rate information for you. Feel free to contact me via my profile for more information, or email email@example.com ( Full Answer )
Contact Mike Hrad at 800-667-4128. He is the top agent/broker in Florida. He has UnitedHealthcare, Aetna, Humana, Blue Cross...all of em.. Very affordable. His insight is wonderful. His company website is: www.insurancebenefitsgroup.com
If your pregnancy is normal with no complications, the hospital should not cost that much and you can go on a payment plan with them. Everything is negotiable and do the same with your hospital bills.. Michael. FindYourPolicy.com
The answer, contrary to belief (at least from many I've talked to), is that no, they do not. Nurses must pay for health insurance benefits just like everybody else.
Yes, as per their apperance on Larry King Live on April 13th 2009. It was said they pay only $475 per month, but it does not cover child birth.
The legislation differs depending on which country and region you are in. Some regions/country provide a state-run health insurance, so companies are not required to have one.
Anthem Blue Cross is a great carrier. They have one of the largest networks in CA and in the county. Of course you cant always please everybody so their bound to have some cons but overall they have worked well for me and my family. And I'm an insurance broker for nearly a decade if that helps.
so that if them, or a loved one dies, or is injured, they are not burdened with the medical expenses. to minimise the risk when risk actualy occure.
As per the healthcare department, open enrollment for healthinsurance has been over. But there are still 2 ways to get it. Ifyou qualify for a Special Enrollment Period due to a life event -like getting married, losing other coverage, or having a baby. If you qualify for Medicaid or the Children's H…ealth InsuranceProgram (CHIP). You can apply for these programs any time. If youlive in California, can get the help of Rais Insurance toknow full information about health Insurance. ( Full Answer )
No, medical insurance and dental insurance are two different products. In fact, employers often go through different insurance companies for each in an effort to find the right price. Your medical insurance card will typically not cover dental, although big ticket things like a broken jaw or oral su…rgery are actually considered medical. However, an employer who offers medical in many cases (but not all) also offers dental to its employees. ( Full Answer )
Health & Medical Insurance are same and cover the eventualityin case one gets ill and needs a majorsurgery/treatment/hospitalization. Life Insurance on the other hand, covers the eventuality of death,where the sum assured goes to the Nominee. The money would be handyfor the dependents in case of you…r untimely death. Why Don't youask the same query from good insurance agency who will not onlyclear your doubts but suggest some affordable plans. I will suggestyou to buy the consultancy or services from Rais Insurance. ( Full Answer )
In general, yes. However, the prospective insured must meet the underwriting guidelines of the insurer. Therefore, depending upon the state of health of the prospective insured, he/she may have difficulty obtaining health coverage. Naturally, the individual must have sufficient funds with which to …pay the premium. ( Full Answer )
Hi Most health insurance providers sell policies online. Infact buying health insurance policy online is the most convenient and rational way to purchase health insurance. When you buy online health insurance you have the liberty to compare policies of same as well as different health insurance pr…oviders and then accordingly make an informed decision. ( Full Answer )
In California small group plans are guaranteed issue, which means you would not be denied. The HR person of his prospective employer would be able to tell you if they have a guaranteed issue plan. California has the Major Risk program too. If you live in another state, you can check their insurance… programs online. ( Full Answer )
The Emergency Medical Treatment and Active Labor Act requireshospitals to provide emergency care to anyone in need of it, butthat is all that this act requires any hospital to give to anyonewho is uninsured. The problem with this is, any routine checks andother doctor's visits must be paid for out o…f pocket, or you musthave insurance to use them. Here is a list of other possible ways to get healthcare withoutinsurance: . Be honest about your ability to pay. Talk to your providerabout your financial situation and see what they can do for you.More often than not, they can find a solution to meet your needs. . Check into charitable health clinics and Hill-Burton freehospital care. Doctors, dentists, nurses etc. provide volunteermedical services around the country. Hill-Burton has medical staffthat provide a certain amount of free or low-cost health servicesin exchange for federal funding. . Visit retail clinics, urgent cares, and community centers.These centers can perform small tests and do a quick check-up, andyou'll probably be in and out faster than anywhere else. Try an appcalled itriage to help you locate the nearest one to you. . Take advantage of free and low-cost screenings. There aredifferent hospitals and organizations that offer a certain amountof free and/or low-cost screenings each year. This isn't a comprehensive list, but there are some great optionsout there that most people aren't even aware of. ( Full Answer )
MET stands for Multiple Employer Trust. This is a method ofcombining many different employers into a group so that the risk ofclaims is much less as a group than individually. This is done soif you have an employer group of say 15 employees, and one persongets some type of cancer, the rates for this… loss is thereforespread not over a group of 15 but a group of maybe 15,000 employeesinstead. ( Full Answer )
Yes, it is. It could fall on either life or health insurance - that is if you have either.
The 2 types of insurance serve different purposes, although in one respect, there is some overlap. At its most basic, health insurance is intended to pay to or on behalf of the insured sums of money for medical bills incurred because of sickness or injury. Auto insurance includes several diffe…rent coverages. The one most closely like health insurance is frequently referred to as "no fault coverage". It pays a percentage of the insured's medical expenses and lost wages if he/she was injured as a result of an auto collision. Benefits are paid irrespective of who caused the collision. Health insurance is not currently required by law. In contrast, anyone who wishes to register a vehicle is required to comply with the state's "financial responsibility law" which requires the registrant to have and to maintain certain types and amounts of auto insurance. ( Full Answer )
Scuba health insurance is the insurance that protects you while you are scuba diving if you need any health procedures because of your diving. For example, if you were to get the bends from scuba diving, or if your lung were to rupture from holding your breath, this scuba insurance would cover it. S…ince paying for these procedures are very expensive "out of pocket," this means that you might not get the treatment unless you have this, or at least you could not pay it off. ( Full Answer )
When you want to buy a health insurance for you and your family, it is advisable to do a home work on different aspects of health insurance. You must consider some important points to choose the right health insurance. Like you must analyze a health insurance company that has your family physician… at their panel. As its quite easy and helpful for you to find a medical assistance from your family physician. There are some other factors as well. I have added a related link with this answer that will provide you a great help in choosing a right one for you. ( Full Answer )
Depends on where you are working. Most hospitals and nursing homes do offer insurance. Often you can buy additional insurance for families but it's very expensive.
It varies between diffrent celebrities, I would imagine so because if you are a celebrity, the liklihood of you getting hurt or overstressed is more likely than the average person, and celebrities like to save money too.
From companies that provide such service. You can find and compare their offers using one of health insurance comparison websites. I would suggest to use Brokerfish . . Open in Google Docs Viewer . Open link in new tab . Open link in new window . Open link in new incognito window . Download f…ile . Copy link address . Edit PDF File on PDFescape.com . ( Full Answer )
This is an extremely broad question, in part due to the many factors that determine rates, the fact that rates are regulated by the insdvidual states, and due to the wide variety of health insurance plans from which to choose. Very generically, most health insurers have a "select" rate category w…hich is granted to applicants with no significant health problems, whose height and weight are proportional, and who otherwise qualify for that categorization per the insurer's underwriting guidleines. If you would like to further clarify your question, I would be happy to try to assist. I recommend you this site where you can compare quotes from different companies yourfinance.co.cc ( Full Answer )
A health insurance policy is a contract between an insurance company and an individual or his sponsor (e.g. an employer). The contract can be renewable annually or monthly. The type and amount of health care costs that will be covered by the health insurance company are specified in advance, in …the member contract or "Evidence of Coverage" booklet. The individual insured person's obligations may take several forms like Premium, Deductible,co-payment etc More precisely, it is a type of insurance that protects against the risk of financial harm resulting from the insured's sickness, accidental injury or disability (although there is a distinct form of insurance usually called "disability insuance" which replaces income lost as a result of sickness or accidental injury). Health insurance can be either group or individual. ( Full Answer )
A point of service plan , is a type of managed care health insurance plan in the United States. It combines characteristics of the health maintenance organization (HMO) and the preferredprovider organization (PPO). The POS is based on a managed care foundation---lower medical costs in exchange f…or morelimited choice.. ( Full Answer )
In developed countries, yes, most people have health insurance. In the United States, less than 15% of people were uninsured before the passage of the Health Care Reform Act, which expanded coverage even beyond that.
In general, health insurance covers the cost of medical or hospitalization care as a result of an illness or injury that occurs or is manifested while the policy is in force. Like other kinds of insurance, the benefits are payable in return for the insured paying a premium. A premium is the amount o…f money charged by the insurer for the coverage. The coverage can be any one of a number of varieties, depending upon what is purchased: 1. Fee for service. This involves the health care provider billing the insurer for a fee, and the insurer paying all or part of it. Generally, there are guidelines that the insurer follows in determining the amount to be paid, and it is often determined by a community standard. The policy itself provides that the person insured must pay a portion of the charges per visit or occurrence (the deductible), and also what of usually called a co-payment. The latter reflects the fact that a policy may pay only a percentage of the allowable charge, for example, 80%. The corollary is that the insured pays the remaining 20%. In general, the larger the deductible and co-payment that the insured assumes, the lower the premium, because the insurer is at risk for less. 2. PPO. This stands for Preferred Provider Option. In a nutshell, healthcare providers agree to become a part of the insurer's network of providers, and pre-negotiate fees for stated procedures. An insured who is a member of a PPO typically sees a physician or goes to a hospital that is in the network, and gets the benefit of the reduced fee. The PPO pays the pre-negotiated rate, subject to the insured being responsible for a deductible and a co-payment (as discussed above). If the insured goes to a non-network provider, normally the deductible or co-payment is higher. 3. HMO. This stands for a Health Maintenance Organization. Ir is a form of what has become known as "managed care" and emphasizes preventive care. It has several models, including one involving in-house physicians, and one involving physicians who maintain their own practices but are devoted mainly to HMO patients. For a fixed monthly fee, the patient is entitled to a range of services. Costs are kept low because medical expenditures are monitored closely and permission is required to see an out-of-network provider. ( Full Answer )
Yes. 100% Yes. Anyone who asks do we need health insurance needs to read the below paragraph... . Lets say, one fine morning, you wake up and realize that you are having a pain in your chest and it might be a heart attack. You are the only earning member of the family and your wife is a house wif…e and your kids are in school. You don't have lakhs of money in your bank to pay for your heart treatment. What would your family do without you? Without the treatment they will be left to fend for themselves without a job and for the treatment you need a few lakhs of rupees which you don't have either. You need the treatment because, its a matter of life and death and your family needs you because they depend on you. What do we do here? "Health Insurance" is the answer my friend. If you had insured yourself, all this confusion could have been averted. You'd have got your treatment at a good hospital without having to shell out this lakhs of rupees and your family is relieved and happy that you are safe.. ( Full Answer )
No. Not if the employer is not set up to offer it to any of his/her employees OR if the company does offer it and you are a 'Part-time employee' working under 35 hours a week OR if you are a 'Full-time employee' and have not worked for the company for 90 days.
Basically, yes. The insurer may not be required to cover "pre-existing conditions" for some period of time, though the health care reform bill is supposed to make some changes to that.
Requirements for licensing vary on a state-by-state basis. One thing that is always the case is that you will be required to take a pre-licensing examination specific to the line of Health Insurance. Many states allow anyone to take the exam without specific education requirements (although pass r…ates are very low for individuals who do not prepare first). Other states have classroom or course requirements, so agents will have to demonstrate that they have passed an approved prelicensing course before they can take the licensing exam. Once you have been licensed in one state, transferring your license is usually pretty straightforward, and you will just want to contact the Department of Insurance of your new state and find out the process from them. ( Full Answer )
This depends on the company and its policies. Sometimes the company pays half and employees pay half. Sometimes, company pays full amount and sometimes, there are no insurance benefits for employees.
Health Insurance can be purchased physically at one of the centers of the insurance company or you could buy it online. Now a days the top most leading companies provide the health insurance plan online as it is more feasible for working people.
I would recommend using a licensed health insurance broker in your state. Normally most agents these days have technology that will give you a comprehensive look at many plans in one search. The broker can help you narrow down from the long list what is best out of just a few very targeted plans for… your wants/needs. ( Full Answer )
How long does it take to get health insurance? It depends. Are you talking about health insurance that is offered through an employer? If so, some employers require their employees to satisfy a waiting period before they are allowed to enroll for benefits. Most employers don't have a waiting per…iod though. Ask your employer's human resources department for information. And, as with any product, read your insurance brochures and don't be afraid to call their customer service department for help or if you have questions. ( Full Answer )
Everyone has their own opinion on what company is the best based on their personal experience. I work in insurance for a group of doctors and my best experiences have been with United Health Care and Aetna . Technically there is not one company that is better than other per se. The strength of yo…ur coverage depends more on the options that the company you work for offers. Of course the better plans are going to more expensive on the front end. ( Full Answer )
Find a health insurance broker to compare plans and costs for you. It may seem easy to find an agent who will offer you cheap health insurance. Find out how health reform will affect your benefits and your budget. .
Do you mean business insurance right? No, they are collateral of each other. Health insurance can be youagainst your medical bill or treatment in the hospitals. While,Business insurance is used against fire damage, electricity sparkdamage. For this clarification you can visit Rais Insurance site ast…hey have abundant knowledge to clear your point. ( Full Answer )
"Yes, if you live in Ohio this company does offer individual as well as family health insurance. They offer insurance at an affordable rate however there is a co-pay."
"Cinergy 'health insurance' is not actually insurance, it is a discount plan. As such it only may reduce the cost of some services and is less comprehensive than 'real' health insurance."
"Yes, worldwide health insurance is a very good insurance to have because this company is reliable, and they offer great prices, especially for family plans."
Your health insurance will help you financially whenever you get admitted into hospital. It will take care of your all medical bills.
Yes but it only matters on how large the scope of your unemployment insurance can cover for your health insurance.
Now a days there are many good insurance companies are present which offers health insurance. You can get health insurance online also. Just 3 step and you get insurance for you and your family . very less paperwork and fast services. Berkshire provide fast and affordable health insurance.