Dos and Don’ts When Completing Individual Health Insurance Application

If you do not have access to a group employer plan then the other option you have is to apply for individual health insurance plan. Individual health insurance application require more information from you then group health insurance plans that you might have had through job. The reason for that is that individual, and that applies to family health plans, are medically underwritten. That means that a person called medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep over all cost for every one low. The more insurance company has to pay out in claims the more they have to charge every one for health insurance to keep the average cost down. 

If you have already had a chance to take a look at individual application then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history. If you are in perfect health then there is not much that you can write on your application other then some basic information. If you are some one who has been to the doctors for lab work, test or takes prescription medication then you would have to include that on your application. Most individual application require you to provide information of your doctor or the last doctor you have been to. If you are not sure of the name of the doctor you can always include the hospital name, clinic name or doctors practice name. When it comes for the dates of your last doctor office visit or any other dates. If you do not remember exact dates, just put down your best estimate.

The most important thing to keep in mind when filling out individual or family application, especially if you do have some medical issues, is to understand this. Until there is a permanent change to health care system and health insurance is not medically underwritten. Insurance company will consider every condition that you have and every medication that you take. The reason for that is that in most states in the US health insurance companies require to cover everything once you are approved. That means that all of your medical conditions and prescription drugs have to be cover by law once you have been approved for coverage. That is if you are approved. I hate to use this analogy because we a talking about human lives, but the simple way to explain health insurance is to compare it to car insurance. For example lets say you get in the minor car accident and you do not have car insurance. Your car is still drivable and it looks like you will need a new bumper and some paint. The next day you go out and purchase car insurance to cover your accident. Well we know it does not work like that. If you could just go out and get car insurance only after you had an accident then no one would pay for car insurance. Why pay if you can just get it after you had an accident. No one would pay for car insurance and car insurance companies would not exist. Then you would be fully responsible for all the damages out of your own pocket. I know I would rather pay that $100 a month just in case something does happen.

Most people do not recognize that health insurance works in the same way. Health insurance companies are not going to approve some one who requires immediate medical assistance. That includes pending follow up visits to the doctor, recent surgery (after a surgery a lot of complications can arise), prescription drugs and anything that is known upfront that could potentially be covered expense. Insurance companies use a “actuarial tables” to underwrite individual applications. If based on what you have put down on the application could potentially cost insurance company money, chances are your application will not be approved.

If health insurance companies automatically approved all the application then it would be the same scenario as with car insurance example, that no one would pay for health insurance. I know I would not, why pay for insurance if I can get it when I get sick. If no one would pay for insurance then there would no insurance companies to cover us for unforeseen large medical expenses. I am certainly not prepared to pay $400,000 or higher for medical emergency.

Getting approved for health insurance could take some preparation. If you are currently taking prescription drugs, find out how to can slowly get off them. I am not a doctor and certainly would never tell anyone to not take drugs that were subscribed by their doctor. I think sometimes great health starts with us, with small daily choice we make. Take care of your body and it will take care of you. When completing application sometimes being too honest can cost you also. That does not mean lying. Going to chiropractor and writing on the application that you have had back pains and you will need to see a specialist. On top of that is that you have not has any health insurance previous is just way to suspicious. It looks like you are trying to get health insurance to get medical care for something that you do not want to pay yourself. Do not make it worse then it is and always phrase everything in the positive. Instead of you writing that you are having back pain, taking Advil and going to chiropractor. Phrase it that you went to chiropractor for maintenance just to realigning your back. I see a lot of people get declined for coverage even though they are in perfect health just because how and what they wrote on the application.

Real people will be looking at your application if you are making it worse then it is or you are volunteering too much information then it is only your fault if you get declined. Your answers should be, everything is fine, just a check up, results were normal. Also before you know that you might be looking for health insurance do not go see your doctor until you do have coverage. If you go to the doctor and they find something “wrong” with you then bye, bye health insurance. Now you are stuck. When at the doctors office, again, be careful what you tell your doctor because it will end up in your medical records. When self diagnosing your self do not volunteer that information to your doctor, it is your doctors job to find if there is an issue. If you have been declined for health insurance there are options available to you so is having or not having health insurance. Having any health insurance plan is infinitely better then not having anything at all. It is a know fact that you will get a better treatment if the hospital knows that you have some way to pay for your medical care and that they are not just working for free taking care of you. The one and the most important thing that you can do is to take care of your health. Eat your broccoli.

Why You May NOT Want to Use Your Health Insurance for Counseling

Why not use your health insurance for counseling? Isn’t that what it is for?


But using health insurance for mental health services is a little different than other medical issues. Sometimes mental health issues are not covered by your health insurance. Once you use your health insurance for mental health, you will have a mental health diagnosis on file – a mental health disorder/mental health illness must be on the insurance claim in order for insurance to pay for treatment. This will be in your permanent medical record.

Of course you want to consider using your health insurance for counseling, but there are some good reasons for you to consider why you may not want to use your insurance for counseling services.

Why doesn’t my counselor accept my health insurance?

Many counselors choose not to accept health insurance for very good reasons. They want to focus 100% of their time in treating you. If they accept health insurance, there is a lot of extra work involved in accepting insurance, in addition to agreeing to work for a discounted fee. The counselor may spend hours on the phone getting benefit information, authorizations, or following up on claims payments. The counselor has to wait a month for payment from the insurance company. The counselor has to file progress reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical history with the insurance company.

It’s not that counselors don’t like insurance companies, or don’t want you to use your insurance (we have health insurance too!), but many counselors prefer to focus 100% of their time and energy in helping clients, rather than doing paperwork for insurance companies.

But this isn’t the only reason counselors may not be in network with your health insurance company.

The other reasons are more compelling, and you need to consider them BEFORE you decide to use your health insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your confidentiality. Any information (claims, reports, or treatment plans) filed with health insurance leaves the protection of their office and their locked files and your personal, private, emotional information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and out of network), you must be considered “ill”. You must be diagnosed with a mental health illness or disorder. If you are not ill enough to warrant a diagnosis, then insurance will not pay for counseling services. If you do qualify for a mental health diagnosis, your illness will be listed in your permanent medical record. Many counselors don’t like this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to focus on their client’s strengths, and not label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to counseling or psychiatric appointments in the past, find out what your diagnosis on file is. If you already have a mental health diagnosis, this may not be a concern to you, but if not, you may not want this in your medical record.

Counselors also do not like releasing information to others to protect your confidentiality. Once a claim is submitted to the insurance company, who knows how many people take a look at it and rubber stamp it while it travels through the system? If insurance pays for any counseling sessions (in network or out of network), then the insurance company has the right to audit your complete file. They can request copies of counseling notes, assessments, and other personal emotional information to determine if you really are “sick enough” to warrant their payment. They can deny services to you if they think you aren’t sick enough or if they think your counseling is not “medically necessary”.

Additionally, there are many counseling issues that are not even covered by insurance at all. Stress management and anger management are usually not covered. Marriage counseling is usually not covered. Certain medical conditions/mental health conditions may be excluded (such as attention deficit disorder or adjustment disorder). Even if your illness or disorder is covered by your insurance plan, they may limit the number of visits they will cover (sometimes only 20 per year), and they will set a maximum amount they will pay per calendar year or in your lifetime.

Additionally, counselors prefer not to have someone in the insurance company telling them how to treat their clients. Insurance companies can decide what type of counseling is covered, what diagnoses are allowed, and how many times the client needs to come before they are cured. Many counselors prefer to work directly with clients to serve their needs, without interference from an insurance company.

Using your health insurance for counseling services can also affect your security clearance, life insurance rate, employment, or future health insurance coverage.

For the above reasons, I recommend that you be informed about using health insurance for counseling. You may choose to file anyway, but be an informed consumer.

  • Be an informed consumer.
  • Know your mental health diagnosis.
  • Talk to your counselor about the diagnosis.
  • Ask your counselor about your treatment reports.
  • Decide if you have, or want to have, a psychiatric illness.

If you have clinical, severe depression, anxiety, or other issues, then you probably already have a diagnosis.

But if you are stressed, having relationship problems, or trying to figure out your purpose in life, your symptoms may be minor, and you may not want to have a mental health diagnosis in your records.

Once an insurance claim is submitted to your health insurance company, your diagnosis becomes part of your permanent medical record, and can affect future life insurance, preexisting conditions, or the cost of private health insurance.

Jama Thurman is a Licensed Professional Counselor in Manassas, VA. She helps teens and adults who are stressed and an

Understanding Window Replacement Benefits

Generally, window confers life to a home and makes it great. It allows ventilation and external view. As such, window replacement services are a kind of service homeowners want to be done right and perfect. In recent times, window replacement has increasingly become a common home remodeling service simply because windows and doors of the arrival of the latest windows (energy star) which better insulate home and reduce cooling and heating costs. Replacing old or damaged windows will not only reduce the energy expenses but it will also increase the home value. Selecting windows that go with your home is quite an arduous task that entails various criteria. This piece of article talks about the possible window replacement services.

Before replacing old or damaged windows or even getting windows for your new home, it is pretty much necessary to analyze the available types of window, the materials utilized and the energy effectiveness involved with the various windows. Some people might take enough time to decide the replacement service they are going to use. For example, as hi-tech windows play an important role in almost every home, someone that is stuck with the wooden window idea will not take interest to understand the importance of the new windows. The new windows provide all the possible benefits like energy effectiveness, design and quality.

Prior to the advent of internet people do find window replacement services via referrals from family and friends or in the phone book. Although the referrals will definitely provide you with lots of information regarding the professionalism and steadfastness of the replacement service than the phone book, but the internet will assist you in fleshing out average costs and extra information. However, customer sites will offer you a wider range of reviews that can assist you to go for the best window replacement services in your locale.

If you have got a list of four or more services reliable, it is a nice idea to arrange an interview with each of the company. Having a direct conversation with the service would give you a more specified idea about the company. You can ask the company about your particular window replacement issues whether it is for poorly insulated windows, cracked/damaged windows or simply outdated windows. It is important you ask about the costs and warranties. Aside the window framework, quality and style, take some time to list out other services that fulfill your requirement and choose the best service for your need. Only engage a window replacement service when you are completely contended with the company’s professionalism, cleanliness, insurance, timeliness and licensing.

However, you have to check out if the window replacement can be done by yourself or if it will require an expert help. If you are not one of those high-tech individuals that are good at getting things done by their own hands, it is advisable that you seek out for an expert. Professionals that proffer window replacement services can simply promote your home to their level best. These services could be a large cost, but it is an essential process for your home which could save you hundreds of dollars in the long run.

Mobile Casinos With PlayTech Software

The same as with the Microgaming, PlayTech is a large company, online casinos software supplier. Perhaps, they rank second after Microgaming in terms of reputation and number UFABET of online casinos. The Company was valued 1 billion USD, which speaks about its high reputation and trust level. As far as I could find in the net, there are not so many mobile casinos using PlayTech software so far, but this company has always been distinguished by its active development, that is why I am sure that their quantity will increase sooner than later. Three mobile casinos can be found with the PlayTech software so far: Golden Palace, Tropez Mobile Casino, XXL Club Casino.

XXL Club Casino is the best casino from the point of view of support. One more pleasant detail is that visiting the online casino site I found a pop-up banner, promising 10USD no deposit mobile casino bonus. In a minute I got my bonus but lost it in slots as quickly as received (betting 2USD per spin, so, this is not a wonder). After that, as I usually do in PlayTech casinos, I rejected the bonuses (mobile casino support was happy to handle my request), made a deposit and started playing my favourite mobile casino games. I have to say that the registration and the casino deposit were made via online casino website, though it is possible also via the phone.

Mobile casino wagering results:

I started playing with black jack. The minimum stake, as it is in Microgaming software mobile casinos is rather high – two USD, so I had no choice but to playing this stake. The results were very interesting: 57 gains (!), 38 losses and 5 pushes. A rather obvious distortion in my favor, which gave me the gain of 33 USD. I must note that there were three losses at a time and 8 gains (with the only push deal in the middle). The number of blackjacks was within the norm, it was four. With doubling the results were not very impressive – I won only two out of seven deals (the probability of the gain at doubling is over 50%). Generally, it is an ambiguous result: on one side I have won a lot, on the other side – I have won too much as for testing the casino. There is also something wrong with the doublings (perhaps, it is for compensation?).

Videopoker was the second mobile casino game for the testing. The game was the standard “Jack or better” with a normal payment table 6/9. Playtech mobile casinos have wider the range of stakes than it is in Microgaming mobile casinos – coins from 0.05 USD to 5 USD. I played five coins of USD 0.25. The results were again odd: 14 pairs, 15 – two pairs, 12 treys, not a single street or flash and three fulls. In some fantastic way my pairs turned into treys and full-houses, there is no other way to explain such statistics. With such a cut of cards the gain of 10 USD is not a wonder. The doubles sprawled in equal parts – the half was a gain, the half was a loss. The PlayTech has also one more opportunity to double just a half of the gain in the videopoker.

Just for fun I loaded a European roulette of this mobile casino. I played just a few spins – just to have a look. First, you are running with the joystick across the stakes field to place the bets. Then you pressing the spin button you would see the wheel and then when the ball landed you would see the results. It is clear that the bets are made longer than in the offline mode, especially if they are several. The advantage of this mobile casino roulette game is that there is an option to make blank spins, but disadvantage is that the minimum bet amount of 2 USD even betting on the numbers. I have not being playing too many deals of this funny mobile casino game keeping in mined Albert Einstein conclusion: “You cannot beat a roulette table unless you steal money from it”.

Implicitly, I was lucky, otherwise such successful gains and distortions can not be explained. On the other hand, there is nothing bad to say, I like the PlayTech online casinos, the game there is rather fair and I don’t see any reasons for any problems in the mobile casino versions. The graphics in the mobile casino was nice, the set of games was rather large. The interface is useful for a joystick, which is convenient. The game speed is normal like in Microgaming mobile casinos, about half an hour per 100 hands. The traffic was also within the limits of 150 Kb per 100 hands and about 200 Kb the downloading.

So, in my opinion the PlayTech presents a good platform for mobile casino games – nice graphics, cool interface, maximum convenience for players. There are very few mobile casinos with this software, but their quantity will increase, though the big quantity is not needed. The fact of the good gains enables to recommend the mobile casinos with PlayTech software for wagering.

Converting a One Car Garage Into an Automotive Repair Workshop

It is amazing the level of human ingenuity that can turn a simple one car garage into a surprisingly convenient, effective and even efficient automotive workshop. automotive paint meter

Often it is only a case of finding another place to store all those bicycles lawn mowers and garden tools that clutter up most home garages. Sometimes it is just tidying up and rearranging. Other times it’s a matter of finding alternate storage or purchasing a garden shed to store the paraphernalia in. Using that off site storage can be said to be first vital step in your project of using garage space devoted almost exclusively towards an auto workshop area.

First things first. In terms of planning and rearranging interior space areas the basic procedure and strategy is to ensure that your workshop is as comfortable and pleasant possible for you to work on and upgrade cars and trucks in. Cover the walls with wallboard and paint them with a washable semi gloss latex or oil based paint. White or another similar bright color will reflect as much light as possible. It is pointless in most climates, except up north in Canada or in the northern US states to insulate garage walls generally since so much heat escapes past the typical garage door. Scrub the concrete floor with a special concrete cleaner-etcher to remove grease and grime. Patch any broken spots, and then seal the surface with not one but two coats of epoxy resin concrete floor paint. A bright color will enable you to easily locate and find lost screws and washers more easily and effortlessly.

In terms of lighting install a double tube 2.5 mm (8 foot), fluorescent fixture with a reflector in the center of the ceiling and a 1.25 meter (4 foot) double tube fluorescent over your workbench. Professional auto mechanics will advise you that a drop light is essential for working under a car’s hood and truck chassis. An old idea from an unknown amateur backyard mechanic who did things on the fly and improvised with less expensive parts and components is to use a photographer’s floodlight on a clamp or a tripod for convenient lighting. With a standard 100 watt bulb, it will provide good light, used with a heat lamp it will definitely speed up the setting of epoxy resin or fiberglass patches when working on auto- body work or painting.

For storage plan your work area so that you can have general easy access to your tools, loads of storage shelves and plenty of counter space. In a one-car garage, put narrows shelves or cabinets down one side only, and construct your major work area at the other end. That way there will be enough room to move around. Secondhand kitchen cabinets can sometimes be obtained cheaply or sometimes even free: they are properly proportioned for standing work and are efficiently planned for storage as well. Regardless storage space is of little practical use if you do not discipline yourself to put things away and in place whether in its storage place or in your tool chest. Often it can be said that the people who get the most done are the neatest. Certainly well ordered tools can only speed up your work.

Lastly always safety first in your auto repair garage. Make sure that your work area is adequately ventilated. Keep a fire extinguisher, which is fully charged and tested, in a handy and easily accessible spot in case of fire and emergency. Install a smoke alarm or alarms. Lastly keep a clearly marked first-aid kit in the shop. Have fun and profit working on your cars, trucks and other automotive vehicles.

Tips for Throwing a Casino Royale Theme Party

Recreate the glamour and enjoyment of a James Bond movie by internet hosting a On line casino Royale casino concept social gathering. This short article lists the actions you need to adhere to for a unique occasion knowledge that your company will generally remember. xe88 test id
 Glamour Concept or Fancy Gown?
 A On line casino Royale theme social gathering can possibly be a formal situation, or a more informal extravagant dress social gathering.
 The official solution consists of guests currently being wearing tuxedos and evening gowns, and should be set in the venue equally as glamorous. This can be a celebration with course! Attendees are created to sense like they have entered an unique European Casino in which they are the rich and renowned, and revenue is not any item. Do not forget to own waiters featuring champagne and canapés to boost the working experience!
 In case your budget will not extend for the formal Variation, you can generally host a Casino Royale party which has a twist by rendering it a fancy costume. Inquire friends to gown up as characters from any James Bond experience. Concepts for Females include things like Skip Mata Bond, May perhaps Working day, Pussy Galore, Vespa Lynd, Rosa Klebb, Jinx, or more generic figures for instance a Decoding Room girl or Russian Henchwoman. You do not need every one of the Gentlemen to come as James Bond obviously, so supply solutions for instance Odd Position, Medical professional No, Baron Samedi, Jaws, and Emilio Largo.
 If you would like a mix of these two ideas, you could choose an op-shop or vintage official extravagant costume. It is a additional tongue-in-cheek glamour which allows guests to Probably recreate many of the 1960’s fashion formalwear from your Bond films.
 What ever gown possibility you end up picking, make sure you allow it to be clear about the invitation so that each one company Take part around the fun!
 Invites for any On line casino Royale social gathering
 Invites for any Casino Royale concept social gathering can be quite a enjoyment Do-it-yourself undertaking, or may be procured by way of expert invitation designers. You may want to try out a style and design working with the enduring 007 gun barrel impression as a background, or embellish a plain invitation with recreations of the On line casino Royale Motion picture title, or the 007 logo.
 A further style and design solution will be to recreate the look and feel in the 1960’s On line casino Royale e-book cover. This might be Specially productive for just a classic formal On line casino Royale fancy dress.
 Shaken, Not Stirred
 Catering for just a On line casino Royale theme get together really should give attention to canapés. Bite-sized finger foods are less difficult for visitors to handle when they’re standing close to Casino tables, Except you’re serving a sit down meal before the gaming begins.
 Beverages ought to clearly include a “shaken, not stirred” Martini, and champagne should not be neglected. For some extra fun, make use of your creativity and develop a cocktail listing of drinks with James Bond design and style names.
 On line casino Royale Casino Games
 Baccarat was James Bond’s favourite On line casino video game while in the Ian Fleming novels, but Along with the escalating level of popularity of Texas Hold ‘Em from the early 2000’s, the latest Casino Royale adaptation highlighted James Bond actively playing Poker. Possibly activity is great for a On line casino Royale concept bash, but attendees will even take pleasure in the standard On line casino favourites – Blackjack and Roulette.
 You’ll find firms which give On line casino tables and Croupiers for celebration employ the service of. Certainly you’re going to be limited to people that run in your neighborhood, but in building the decision on which company to hire, be sure you Check out that you’re getting the very best assistance readily available. Opt for the company which delivers probably the most real looking hunting tables and machines. Will not accept felt layouts which might be thrown about trestle tables – This really is barely Casino Royale model! Chips and playing cards should glimpse great and become in superior repair, and the Roulette wheel (if you hire a single), needs to be the complete Casino measurement of 32″ in diameter. Just about anything considerably less will look like a toy and will detract from the guests’ Casino knowledge.

SMS Marketing – The New Economic and Effective Way of Marketing

SMS abbreviated from Short Message Service is a service that enables short messages of generally no more than 140-160 characters in length to be sent and transmitted from a mobile or web. Text messaging enables information to be sent to groups of people quickly and conveniently. In case of printed media and other types of marketing such as television or radio, the consumers must for instance, listen to the radio or watch the television for the ad to reach them. Whereas for bulk SMS advertising the mobile handset are normally always switched on to receive a message. The users receive their messages as soon as the phone is in the wireless network. There are three possible ways the mobile communication can happen: mobile to mobile, mobile to web and web 2 mobile.

Some of the advantages of SMS marketing are:

o The personal nature of mobile phones makes SMS marketing a very powerful tool.
o Mobile users mostly keep mobile on them all the time – meaning they can be effective for time sensitive messages.
o Users are inclined to read virtually every SMS they get – unlike email and other means of advertising.
o Bulk SMS marketing is very economical and one can send thousands of text messages to consumers at wholesale prices.
o Bulk SMS also saves time – instead of writing a message and then sending it to each mobile subscriber, one message is created and then sent to a whole group of subscribers.
o Tracking of SMS delivery and responses is very easy.
o Delivery of the text messages is almost instant.

The major areas where SMS marketing is used are banks, drink firms, entertainment and leisure venues. SMS are even used for the registration, bank transactions, m-commerce or mobile payment and for customer feedback. As a marketing tool, SMS text messages are used in many other ways also. Marketer can also build a brand name by sending the SMS to wider audience by using company name as sender id/name. Also the product keyword as a sender name can be more effective if your company intends to sell something directly.

Short code SMS service which is usually five digit number can be used to record the customer response or gauge the popularity of the product. It can also be used as money making service just like pay per click- PPC in case of internet marketing. Also some SMS marketing website offers free SMS service in which 80 characters are used by site visitor and 80 characters by the advertisers. This is useful for both members as site visitors get the SMS for free whereas advertiser can reach the SMS receiving end effortlessly.

Online LLC Formation Services Vs LLC Startup Attorney

There are many online LLC formation services available on the Internet to form a limited liability company. When can you use an online service or when should you use an LLC startup attorney? The answer really depends on your specific business situation, needs and resources. best LLC services

While anyone can benefit from the expertise and advice of an LLC startup attorney, the cost to retain legal advice is very expensive. Most experienced business lawyers will charge between $200-450 an hour.

The benefits is that you get expert advice specific to your business situation and you get peace of mind knowing that the LLC startup attorney will form your limited liability company and structure the business to best suit your needs and protection.

Many new business owners just starting out cannot easily afford the services of a business lawyer so then it becomes a cost benefit analysis. Is the risk of not using an LLC startup attorney worth it given your business intentions? Will a reputable online LLC formation service be sufficient?

For the single member LLC, the answer is easier. Because most of the more complex issues of forming a limited liability company involve the situation where there are multiple members, the single member LLC can likely use a reputable online LLC formation service to form a new limited liability company.

However, for a single member LLC, it is still important to properly maintain and operate the limited liability company separate and apart from himself or herself or else personal liability protection may be at risk. The single member should get the information needed to make sure everything necessary is being done while running the LLC business.

For a multiple member LLC, the formation of the limited liability company itself can be done by a reputable online LLC formation service, but it may be worth retaining an attorney after the limited liability company has been formed to advice on how to set up the relationship between the members. Still, you can save hundreds of dollars by having an online service prepare and file the formation documents.

What do you look for in an online LLC formation service? Having a proper and complete formation process is so important. Starting a business is like building a house. Insist on a proper foundation with no defects or else you may find yourself with major issues later on that will be a lot more costly to you.