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Saturday, December 31, 2011

Pet Health Insurance for Pre-Existing Conditions

Holistic and conventional veterinary medicine has made great improvements in the quality of our pet's lives over the past decade. Our pets are living longer and happier lives. Too often we find out that though treatment is available for our pet the cost is simply beyond our means.

Costs for treatments and surgery for dogs can range from about $300.00 for Auricular Hematoma (swollen, fluid-filled ear) to $9,000 for cancer of the liver. Cost for treatments and surgery for cats range from $250.00 for multiple bite wounds to $1,500 for Malignant Skin Mass.

One of the more common illnesses for both older cats and dogs are cataracts. In fact, dog cataract surgery is so common today that animal health insurance companies recognize the problem and cover these treatments. So you can see why having pet health insurance can literally save your pet's life and your savings account.

Holistic vets make use of alternative therapies. Alternative therapies include vitamin supplements, massage, acupressure, natural foods, and herbal remedies as part of the healing process. Before you purchase pet health plans inquire if the company will pay for holistic treatments and supplements. Many of the popular policies today do not cover alternative therapy.

But, you can still find a way to help pay for holistic treatment. There are actually pet HMOs on the market today. A pet HMO will usually give you a 25 percent discount on veterinary services for all pets. The pet HMO differs from the conventional insurance plan in that it has no deductibles or exclusions for pre-existing conditions. You do not pay a higher rate for older sicker pets.

If you are planning to purchase more conventional pet health insurance familiarize yourself with pre-existing conditions limitations. Different companies have different definitions of pre-existing conditions. Some insurance plans define the pre existing condition as something that happened before the policy went into effect. Other companies will include congenital conditions or disorders.

Congenital disorders are somewhat like ticking time bombs. They are present in the animal at birth but do not manifest or appear until later in life. Certain breeds are particularly prone to some conditions. Large dogs often experience hip dysplasia as they get older.

If you know your dog's breed you may want to find out if their congenital conditions are covered. If you have a pet that is a mixed breed you may not be able to figure out what breed is the most dominant and what congenital conditions you need to concern yourself with. In this case you might want to consider the pet HMO option as an alternative to the conventional insurance.

Whatever kind of pet you have and whatever kind of treatment you give your pet - holistic or conventional, consider finding out about pet insurance. Insurance protects you from unexpected expense and in the case of your pet unexpected heart ache. No one wants to have to make the choice between money and their pet's life. Pet insurance is not very expensive and let's you not have to worry about paying for that unexpected surgery your pet many need some day.
 
By Marianne Wolff

Wednesday, December 28, 2011

What Are the Various HIPAA Rules That Need To Be Followed?

Most people who change or lose their jobs also end up losing the health coverage and the Health Insurance Portability and Accountability Act (HIPAA) that was passed in 1996 intends to protect individuals and their families from loss of health insurance. Apart from this there are various safeguards that need to be adhered to for protecting the confidential information of patients.

There are various organizations that are classified as covered entities and they will need to safeguard all medical records of patients by following the provisions of HIPAA. The privacy and security rules of HIPAA contain all the rules and regulations that aim to safeguard the protected information of patients.
5 HIPAA Rules That Need To Be Followed
  1. Hospitals, clinics, health insurance companies, doctors and nurses are often classified as covered entities as per the Health Insurance Portability and Accountability Act. These organizations and individuals will be storing and transmitting protected information of patients. All safeguards that have been stipulated by HIPAA will need to be adhered to by them.
  2. All individuals who are employed in these covered entities will need to be adequately trained in the rules and regulations of HIPAA for better compliance. These training sessions can be conducted by the employer and employees will need to pass an examination to get certification.
  3. The covered entities will need to employ a compliance officer who will ensure that all rules and regulations of the Health Insurance Portability and Accountability Act are adhered to. The protected information cannot be disclosed to anyone and if anyone is found violating this, it will invite very strict penalties.
  4. There are specific restrictions on how this confidential information should be accessed and used. Doctors and nurses would be able to access medical records for treatment purposes. If the medical records are needed for any other purpose authorization from the patient will be required. There are certain exemptions where the confidential information of patients can be accessed by federal agencies without authorization from the patients.
  5. There are very stringent requirements that need to be fulfilled according to the Health Insurance Portability and Accountability Act. Noncompliance of HIPAA attracts very strict penalties. The law does not make any discrimination between intentional and unintentional violations. The penalties can be fines or imprisonment for the violation. The penalties are usually fines in case of civil violations and it can include imprisonment in case of criminal violations.
There are various standards that are set by Health Insurance Portability and Accountability Act and it is important that these are followed by the covered entities. If any organization makes repeated violations the penalties could result in it losing its ability to do business.

HIPAA is an important legislation that aims to have enough safeguards in place so that there is no misuse or abuse. There are various instances when individuals who have accessed the protected information have used it for commercial purposes. This will be prevented if all the safeguards that the Health Insurance Portability and Accountability Act stipulate are put into place.

By Greg Garner

Wednesday, December 21, 2011

Important Lessons On Insurance Benefits

You can accrue a lot of insurance benefits out there. One of the benefits is actually that of having a peaceful mind. If you want to live a life without anxiety, just take out a cover for your property and all will be good.

Taking out a coverage means transferring the risk to the insurance company. Insurance is actually a tool that helps individuals to pass the excess burden to the insurers. The insured will only be expected to pay a premium in order to enjoy the services.

The insurer can only provide compensation for the insured property. This means that when the risk occurs, the burden is transferred to the insurer. This will relieve the insured from incurring unnecessary expenses.

You can acquire different types of coverage and have all your property covered. Some of them include; car, home and life coverage. There are several companies where you can get excellent services.
Taking out a cover for your car is actually mandatory in many countries. With this kind of coverage, it is possible to take care of issues like losing your car keys and many others. Other covers include legal cover and personal accident claims.

There are various benefits for purchasing a comprehensive cover for your vehicle. It will be possible to get new car keys in case you misplace them. The insurer will compensate you if you are involved into an accident. You can also get help from your insurer in case you want to cover the cost of legal fees.

Finding a cover for your home is also vital. You will actually live a stress-free life if your home is under cover. You will have to purchase coverage for things like electrical failure, damage of water pipes in your home and, other necessary home cover.

There many advantages for insuring your home. The insurer can change keys for you in case your keys get lost and compensation for many other things that may happen within your house. This way, you will be financially relieved.

It is also good to take out life insurance. Insuring your life is a good idea since we are living in a world full of uncertainties and risk can come upon our lives any time. The risk cover against your life is important since you will live a happy life. Your family is assured of compensation in the event of your death.

Acquiring any cover is not a hard task. There are many companies out there willing to provide these services to people. It is easy to get the most affordable coverage after making good comparison.

Purchasing a cover via online providers is the easiest. Try to visit a reliable and legitimate online insurance provider and purchase a cheap cover for your property. You are also able to compare the price via quotes.
There are online calculators you can make use of in calculating the amount of your monthly premium. This can help you budget your money wisely. Make use of quotes in order to learn more about insurance benefits from different providers.

By Adriana Notonn

Monday, December 19, 2011

How Do I Get Life Insurance?

Life insurance is among those benefits that could assist an individual to guide a more guaranteed life. People who are making bountiful income always cause a misconception that they do not take any kind of life insurance, merely this is not true. Disregarding how productive an individual embodies, simply one may never think of bad times and in such decisive situations, only when a life insurance policy can facilitate to recover from the traumatic experiences. It is a great investment, and the sooner you have one, the better. Insurance companies allow your age and wellness when they ascertain your premiums, or whether or not to handle you at all, so it is advisable to start a policy while you are young and healthy.

The primary aim of any insurance policy is to protect your household and loved ones versus the jeopardy of financial doubtfulness. As of it has several alternatives and overall flexibility, it may constitute a potent instrument in your financial preparation arsenal. Regard that life insurance can be used to pay for funeral costs, college tuition, mortgage payments, debts, and more.

How To Get Life Insurance?

When attaining a choice for the insurance, it is always advised to practice a wide market inquiry for the policy providers in order as to acquire the utmost advantage of the investment. To spare a lot and convey the upper limit earnings, people had better register as early as possible. An ideal life insurance policy is one that features two parameters; one constitutes the investment and the other is insurance. To get life insurance be sure you find an illustration for the insurance policy that you have decided. Whenever the insurance company will not allow you with one, search a different insurance company. Most policies do not begin to figure sizeable cash value until their 12th year, therefore inquire yourself if the feature makes up really deserving. Make a point that your insurance carrier gives the financial constancy to compensate your claim in the case of your decease. a couple of amount of policies ever pay off under these riders, thus keep off affairs like the accidental death and waiver of premium riders since they will just jack ahead your premiums.

Do not allow your family unguarded inwards the unexpected event of your death - subsequently all, they are your most crucial assets. Consequently we found out that in order to bring along a worth-a-value insurance policy, advance assessment, enquiry and comparison from another proposes ought be arranged.

By Shane C Sabayle

Flood Insurance Providers in the UK

There are many flood insurance providers all over the United Kingdom, and all a client will do is to look for a particular provider which will suit his or her needs. Look and compare the features of all the flood insurance providers to see which fits you best. Below are some of the insurance providers in the UK.

Endsleigh Home Insurance

Endsleigh offer very competitive home insurance from which you can choose between buildings policy only, contents policy only or buildings and contents. Endsleigh also offers a policy for students on campus and a tenant's policy for possessions insurance in shared accommodation. You can even insure items that are far from your home. Endsleigh Home Insurance offers a 24 free emergency help line and free legal expenses of UKP25,000. Endsleigh Home Insurance can be contacted at telephone number 0800 028 3571.

Norwich Union Home Insurance

Norwich Union is a big insurer who offers optional categories. Clients can choose to get insurance policy which covers buildings only, contents only or buildings and contents. These include standard accidental damage, personal belongings, extra accidental damage and legal expenses. For details or quotes please, you may contact Norwich Union Home Insurance at telephone number 0800 092 9561.

Direct Line Home Insurance

Direct Line Home Insurance offers four options to a Direct Line policy. Clients can have any of a combination of buildings, contents, possessions and legal protection coverage. Direct Line also offers home response service for an emergency breakdown in a client's home. For details or quotes, you can contact Direct Line Home Insurance at telephone number 0870 901 1122.

There are many flood insurance providers in the U.K. They may differ in the insurance policy they offer to their clients, but they have many similarities in their policy coverage. The basic insurance types include the contents cover on a replacement or "new for old basis" against calamities like fire, theft, storm and flood damage. This policy includes household items, computer systems, cash up to a certain amount, freezer contents, lock replacements, contents of your garden, accidental damage to all the items in your home, and others.

The Buildings Insurance cover the structure of your home and walls, gates, fences, footpaths, outbuildings like sheds or garages, permanent fixtures including kitchen units and bathroom cabinets against calamities like landslip, fire, theft, storm and flood.

Other insurance providers in the UK also cover student possessions for students living on campus or away from home. This could cover personal contents and belongings in a student's room, Hi-Fi equipment like photographic equipment; video cameras, camcorders, DVD players, jewellery, watches and other valuables, records, computer equipment, and others.

There are hundreds of insurance providers in the market. As a client, you can ask quotes and rates from the flood insurance providers in your area. They offer different features and special discounts. It is up to you to look for the insurance providers that best answer your insurance needs and who can give you the best deals.

By Peter Finch