Sentences with phrase «by the insurance company which»

AN I to understand you don't want government involved but skyrocketing costs need to be regulated?Who do you think should be doing that?Trust the government as long as we can keep it from being corrupted by insurance companies which is what we have let happen.We are the government.Throw the insurance companies out of the healthcare business.

Application: Forms required by the insurance company which the proposed insured completes when requesting coverage from an insurer.

If you are contacted by the insurance company which represents the responsible person, remember that it is best not to give the company a statement without first contacting a lawyer.

They get paid by the insurance companies which is why it doesn't cost you anything.

Application: Forms required by the insurance company which the proposed insured completes when requesting coverage from an insurer.

Besides paying for an attorney the highest expense you will have is your rate hike by the insurance company which will last three to five years.

Universal Life Coverage This is one the latest insurance products being offered by insurance companies which provide greater flexibility in premium payment for the policy holders.

A certain amount of commission is paid to the agent or broker by the insurance company which is added to your premium amount and that's why the price increases.

Not exact matches

This creates a new dynamic, in theory, in which the insurance company has nothing to gain by denying its customers» claims.

List prices don't represent prices paid by insurance companies and pharmacy benefits managers, which in turn don't represent the prices ultimately paid by patients.

Allergan CEO Brent Saunders has previously told Fortune that the ultimate goal, however, will be to make net price increases — which are determined by rebates and discounts negotiated with insurance companies and pharmacy benefits managers — more reasonable.

the preservation among the Jews of «the «haggling» habit which most of the Western world has outgrown,» «the use of shoddy or poor materials,» the fact that «Jews are considered by certain leading insurance companies as a poor fire risk,» etc..

HealthEquity uses a so - called business - to - business - to - consumer model, which allows for distribution of its products through health insurance companies and, by extension, giant companies including Google and American Express.

President Trump has, likewise, repeatedly threatened to cut off the cost - sharing subsidies to insurance companies — which alone would send premiums up 20 %, according to an August CBO report, and increase the deficit by $ 194 billion over 10 years.

Unlike Ken Fisher, an insurance company is required (and liable) by law to determine that the exchange or replacement is suitable, which includes taking into consideration whether:

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Fixed annuities available at Fidelity are issued by third - party insurance companies, which are not affiliated with any Fidelity Investments company.

Under the Affordable Care Act, the exchanges perform a vital role, determining whether consumers are eligible for premium tax credits, which, in most cases, are paid directly by the Treasury to insurance companies on their behalf.

Berkshire owns Geico Corp., the second - largest car insurer in the U.S., which has become ubiquitous by spending far more than any other insurance company in the U.S. — about $ 1 billion in some years — to bring its gecko, its camel, its celebrities and its cavemen to Americans» attention.

The rules directly affect companies who have cross-border transactions with related firms for reinsurance, a term for the method by which insurance risk is spread around by insuring the insurers.

Some 70 % of shares in U.S. - listed companies today are held by mutual funds, pension funds, insurance companies, sovereign funds, and other institutional investors, which manage them on behalf of beneficiaries such as households, pensioners, policy holders, and governments.

Higher costs from the lawsuits this year would be reflected in rates for reinsurance — which is insurance that insurance companies must buy to ensure they can pay claims after a catastrophe — by June 1 of next year, he said.

A contract issued by an insurance company, which agrees to make payments to you based on the contract's value.

Other insurance products available at Fidelity are issued by third - party insurance companies, which are not affiliated with any Fidelity Investments company.

Not in the manner of Ponzi schemes, but by the even more devilish leaky faucet in which a significant portion of the returns of the capital markets are diverted away from Main Street investors and into the arms of Wall Street and the insurance companies.

In the case of an oil spill cleanup, the costs are likely to be directly incurred by an insurance company, but the premiums paid for that insurance come at the expense of the value of the oil transportation service — the higher the expected clean - up costs from oil spills, the higher insurance premiums will be, and this will mean higher pipeline tolls, which in turn implies lower profits, taxes, and royalties on the products shipped.

When Hobby Lobby pays its bill to an insurance provider, its money becomes indistinguishable from other money paid by other corporations, and all of it forms a block of identical money, some of which will be used, so long as the insurance company offers plans extending to contraception, to pay for it.

CFA and Americans for Financial Reform released a report on Wednesday, written by Hauptman and Barbara Roper, CFA's director of investor protection, which scrutinizes how brokerage firms and insurance companies market their services on their website and «contrasts the practices they use to attract customers with those they use when resisting regulation as fiduciary advisors.»

Nearly 80 member companies from the export credit and investment insurance industry make up the organization, which was founded in 1934 by private and state export - credit insurers in Europe.

In recent years, about two - thirds of nonfinancial credit market debt has been held by nonbanks, which includes market - based funding by securitization vehicles and mutual funds as well as by institutions such as insurance companies and finance companies.

Under English law, which often applies to such policies involving international trade, because insurance contracts are «of the utmost good faith», the policyholder is required to disclose all «material» facts to the insurance company even if no question is asked by the insurance company.

Variable Rate Demand Note Inventory and Remarketing PNC has a portfolio which approaches $ 8 billion and includes issues enhanced by letters of credit from investment grade commercial banks and insurance companies with bank liquidity facilities.

Farmers is the most affordable insurance company by $ 197, which is greater than some renters insurance quotes offered in other cities.

Shares in the $ 14 billion insurance giant spiked on Tuesday after QBE chairman Marty Becker unveiled the company's succession plan, which will see Mr Neal replaced by Mr Regan, the current head of QBE's Australian and New Zealand units, at the beginning of 2018.

Note: Variable life and variable universal life insurance policies are offered by prospectus, which you can obtain from your financial professional or the insurance company.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Even if you buy into a premium plan which is offered by very few insurance companies thus far, the bill specifically prohibits any federal funds going towards it.

Insurance companies can only turn a profit by having lots of people paying in who hardly ever go to the doctor or by turning down claims, which makes it worthless to the policy holder.

Hopefully you have records of every bit of correspondence you've had with the insurance company, including dates and times you've called, who you spoke to and what they told you, followed up by copies of what you sent and the dates on which you sent them.

In addition, as Healthcare.gov points out, what exactly is covered — think which types of pumps you can get, how much of a pump's cost you may have to pay yourself, when you'll get a pump (think before or after baby's birth) and whether you can get a rental or a pump to keep — varies by health insurance company.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

You can verify which pump they provide to your insurance plan by visiting https://insured.amedadirect.com/get-started/ and selecting the state that you live in along with your insurance company.

On the other hand, maternity leave, which is very important for breastfeeding support, is well - established in Germany: 14 weeks fully paid maternity leave (6 weeks before the birth, 8 weeks after the birth or 12 weeks for preterm or multiple birth), 12 months parental leave with 65 % of the mother's salary (partly paid for by health insurance companies and partly by employers) and unpaid parental leave until the child is 3 years old.

While we recognize the importance of acting quickly once you have decided to treat your baby, we are limited by the processes many insurance companies follow, which sometimes take 2 - 4 weeks.

By hastily rubber - stamping this deeply problematic proposal, the Committee has taken a step toward a future in which the lives of terminally - ill persons are treated as expendable, and in which insurance companies will be at liberty to make cost - saving coverage decisions that steer vulnerable individuals toward physician - assisted death.

During the Q&A portion of the press conference (which begins at about 4:00) I asked Astorino questions about other Sandy - related topics, including his view of the overall response to Sandy by New York State government and whether he would do anything differently concerning the NYS Department of Financial Services and it's regulation of insurance companies, which he would control as governor.

In a crucial difference with the version of the legislation that failed to win sufficient Republican support earlier this year, the current incarnation allows states to individually decide which pre-existing conditions insurers must cover and removes caps on how much the afflicted can be charged, and includes an age tax that allows insurance companies to charge higher premiums to individuals between the ages of 50 and 64 — allowing it to win votes from the previously recalcitrant Tea Party - aligned Freedom Caucus and pass by a margin of 217 in favor to 213 against.

The requirement would fundamentally alter New York's exchange, which is among the most successful of the state run marketplaces, and could cripple newly formed insurance companies, drive doctors out of networks and increase premiums on the state's exchange by as much as 30 percent.

Silver is accused of directing Glenwood to hire a real estate law firm run by a former aide, which then paid him handsomely for doing no work, while Skelos is charged with directing the developer to pay his son's title insurance company $ 20,000 for work it did not do.

The action announced by Governor Cuomo on Saturday — timed to coincide with women's marches around the country and the anniversary of Roe v. Wade — takes the form of regulatory changes by the Department of Financial Services, which oversees insurance companies.