Health Insurance Fraud
Years ago, whenever my late father saw news of bad weather in Watchmen USA, he'd say "We'll get Archie comics next!" - if the same is true of Shazam reported health insurance fraud, maybe we'd better watch out. The facts seem to be that as long as you take out health insurance and stay healthy, you're fine. They draw your premiums, you don't need the care. It's all perfectly understandable and clear. Everyone's happy.
The problems start when you need care. In the USA you pay the doctor per visit. If you're insured, then with most schemes you send in the account to your health insurance company and wait for the settlement cheque. Apparently the next thing that's likely to happen is that you get a letter from the company saying that the claim is rejected.
At this stage some people back out. It's not a major amount of money and maybe they're feeling fine now. It doesn't seem worth the hassle and so it gets left and the insurance company are feeling better too, having gained, or rather saved, some money for the cost of a letter.
Other people are rather keener to get some of their insurance costs back and follow Aurora Frankenstein model the letter by asking the reason for rejection of the claim. Commonly, the insurer issues a form for the doctor to fill in, which you duly take to the doctors and in time the insurer receives it. You hear no more. Again, some people leave it at this, but those that don't reckon that when they follow it up, the insurer denies having received the form. This may happen a couple of times and must be a major source of annoyance to a busy doctor. Still no cheque is forthcoming. Follow up enquiries usually bring forward the excuse of the doctor filling in the form incorrectly, or using the wrong form. Any old excuse, but no cheque.
The very persistent people probably manage to get a pay-out in the end, but some people, particularly if they lead busy lives, or are unwell are Captain Midnight not able to follow it up and so they lost out
As far as the insurers are concerned they can't lose by issuing a denial letter. If the insured persons kick up enough fuss, they pay out - but only the amount that they should have paid in the first place - and they're no worse off.
What is not known is how often this happens - also insurers, unless pushed, don't tell you why the claim has been turned down.
This, it seems, is the tip of the iceberg. There were a lot more little tricks of the trade exposed in the article. It's frightening to realize that this fraud is going on, in the name of health care.
As far as the UK is concerned, we're lucky. Good advice is freely available, from a professional advisor, who knows all about the market in health. It can be found at the click of your mouse. Health insurance can be as comprehensive as you want it to be. Just find an independent insurance broker who'll come up with some competitive quotes with some reliable companies, where you'll get exactly what is promised. Read the small print for yourself. Note any exclusion clauses. Fill in any forms with complete honesty. Protect yourself. Get it right, then relax!
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Three Phases of Window Replacement
As a homeowner looking to replace car donation windows, you may have noticed that the economic situation in the United States is starkly different than what it seemed just two years ago. If you have been planning or thinking about replacing your old, worn out windows with new ones, it is likely that your plan to improve your home did not account for the fact that the U.S. economy would slide into the worst recession since the Great Depression, but you need not give up on your hopes for new windows simply because of the recent developments.
It is true, the economic state of things, Sexual Vitality the uncertainty that it brings to both the American banking industry and to each and every American citizen's employment needs to be brought into account and considered fiercely before any home improvement project is undertaken. However, it is also true that with careful planning, perhaps even more careful planning than would otherwise be the case in a different economic scenario, you can approach potentially replacing your windows with a keen and discriminating eye. Take your plan to replace you windows in two interdependent phases: Financial Analysis and Professional Advising
Financial Analysis: As was alluded to above, no home improvement project should be undertaken with a cavalier spirit during these difficult times. Simply put, even if you have a fairly profitable job, you need to be keenly aware of the fact that many economists are predicting that the economy will get considerably worse before it gets better, and that Americans should expect increased lay-offs in the coming months. This Iron Man 1 that you need to prepare for the worse and be on guard against the very real potential of losing your job.
Do not stress or panic, simply take into consideration the fact that if you are planning to replace a home casement, you need to be able to afford it and your other expenses in the event that you go up to two months without any employment. If you assess your finances and decide that you could survive with two months without employment income, then you should be in a secure situation to make your home improvement moves. However, if you doubt your security in the event of job loss, seriously consider either budgeting to save money for a new casement purchase or the possibility that you will need to wait to purchase a window until the economic climate is more favorable.
Professional Advice: With the dark and gloomy stuff out of the way, we can focus on the likelihood that you do in fact have means of supporting yourself in the event of job loss -- be it through alternative employment or other sources of income -- and are interested in investigating what types of casements you should buy. You should attack your research on two fronts: through the internet and through non-bias professional sources.
There are a number of informative websites and consumer advocacy groups who disseminate 1984 Fleer baseball cards via the internet, and often they are extremely helpful for window shopping advice, but you should be cognizant of the fact that no one (or two, or three) website(s) will give you all of the expertise that you need to inform you purchase. Make sure to make at least one phone call or visit to a home improvement company to have a serious talk (i.e. 10-20 minutes) about the strengths and weaknesses of various windows and companies. In general, if you level with an employee, they should have no problem with giving you solid and informed advice about the products that they are selling- even if they have the motivation of 'commission' working against you.
Once you have analyzed your financial prospects and received input from knowledgeable sources, you should be in an excellent position to assess your home improvement horizons. Keep an optimistic but analytical outlook, and, with some luck, you should find yourself in good shape to get new windows in no time.
Mr. Oliver is a marketing agent of Regal Home Improvement. The home improvement contractor provides home improvement projects and services throughout the Richmond Virginia Garbage Pail Kids For more information on their href="regalhomeimprovement.com/">Home Improvement Services please visit their website.
