Sentences with phrase «in a health insurance policy as»

Therefore, it is important that you do read the fine print carefully before investing in a health insurance policy as a general lack of understanding may lead to preconceived notions which may not be true.

Not exact matches

On Monday, two powerful conservative leaders in the House declared the blueprint unacceptable because it relies on giving people refundable tax credits to purchase insurance — a policy mechanism that, in a very rough sense, resembles Obamacare's subsidies to buy mandated health coverage (and is therefore being slammed by conservatives as just another entitlement program).

According to a new report from health care researcher Kaiser Family Foundation, premiums for policies purchased through the health insurance exchanges could rise by as much as 25 percent in 2017.

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

Enacted in 2003 as part of legislation providing drug benefits under Medicare, the tax preference is only available if the individual purchases a high - deductible health insurance policy.

Effective January 1, 2013, Insurance Law § 2612 also requires a health insurer, as defined in that section, to accommodate a reasonable request made by a person covered by an insurance policy or contract to receive communications of claim - related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger thInsurance Law § 2612 also requires a health insurer, as defined in that section, to accommodate a reasonable request made by a person covered by an insurance policy or contract to receive communications of claim - related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger thinsurance policy or contract to receive communications of claim - related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person.

He analyzes institutional corruption in the pharmaceutical sector, regulatory capture of public institutions, innovation policies and intellectual property in the knowledge - based economy, as well as comparative regimes of health insurance and pharmacare.

The company shows a true interest in the health of all family members through programs such as pet insurance policies and smoking cessation programs.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

These numbers do not reflect any losses attributable to changes in federal health care policy, such as reductions in hospital funding, Medicaid and insurance subsidies.

He was real glad that we got the health insurance for all of the children in the state, and he was very happy that we had the change in the reimbursement policy for heath - care institutions, a process known as rebasing, and he told me about that and, uh, he didn't say too much about what he was going to be doing and oh, what was that — it was a nice conversation — I also talked to Silda.

The opt - out benefit allows members in the PS&T unit to opt - out of their own health insurance policy with the state health insurance program (NYSHIP) to achieve coverage as a dependent on a different state NYSHIP policy through a domestic partner or other family member.

We urge the adoption of policies that ensure opportunities for people to participate in research studies and clinical trials without fear that the information generated by their participation will be inappropriately disclosed and adversely affect their health insurance status or that of their families, either as individuals or as members of a particular group.

The rate of adults without health insurance across the U.S. dropped nearly twice as much as in Texas from 2013 to 2015, according to a new report released today by Rice University's Baker Institute for Public Policy and the Episcopal Health Foundation health insurance across the U.S. dropped nearly twice as much as in Texas from 2013 to 2015, according to a new report released today by Rice University's Baker Institute for Public Policy and the Episcopal Health Foundation Health Foundation (EHF).

In addition, a policy that was found to impact the availability of behavioral health treatment services in health centers was whether state Medicaid programs — the major source of insurance revenue for health centers — pay separately for behavioral services when they are rendered on the same day that medical care is provided, a policy known as same - day billinIn addition, a policy that was found to impact the availability of behavioral health treatment services in health centers was whether state Medicaid programs — the major source of insurance revenue for health centers — pay separately for behavioral services when they are rendered on the same day that medical care is provided, a policy known as same - day billinin health centers was whether state Medicaid programs — the major source of insurance revenue for health centers — pay separately for behavioral services when they are rendered on the same day that medical care is provided, a policy known as same - day billing.

In a related commentary, Paul B. Ginsburg, Ph.D., University of Southern California, Los Angeles, writes: «There is broad consensus among physicians, hospital and health insurance leaders, and policy makers to reform payment to health care providers so as to reduce the role of fee for service, which encourages high volume, and instead to use systems that reward better patient outcomes, such as bundled payments for a population or for an episode of care.»

«As Hispanics make up an increasingly larger share of the Texas population, it's critical that we consider their needs when developing and implementing policies about health insurance,» said Vivian Ho, the chair in health economics at Rice's Baker Institute and director of the institute's Center for Health and Biosciences, a professor of economics at Rice and a professor of medicine at Baylor College of Medhealth insurance,» said Vivian Ho, the chair in health economics at Rice's Baker Institute and director of the institute's Center for Health and Biosciences, a professor of economics at Rice and a professor of medicine at Baylor College of Medhealth economics at Rice's Baker Institute and director of the institute's Center for Health and Biosciences, a professor of economics at Rice and a professor of medicine at Baylor College of MedHealth and Biosciences, a professor of economics at Rice and a professor of medicine at Baylor College of Medicine.

The buy - insurance - or - pay policy is closely modeled on the one that took effect in Massachusetts in 2006 as part of the states health - care reform.

The U.S. Department of Health and Human Services has created a registry for evidence - based treatments that rates the quality of research supporting the treatment on a 0 — 4 scale, and some insurance companies and state health - care systems (such as the one in Oregon) have altered their reimbursement policies to favor evidence - based therHealth and Human Services has created a registry for evidence - based treatments that rates the quality of research supporting the treatment on a 0 — 4 scale, and some insurance companies and state health - care systems (such as the one in Oregon) have altered their reimbursement policies to favor evidence - based therhealth - care systems (such as the one in Oregon) have altered their reimbursement policies to favor evidence - based therapies.

As a responsible grown up, you need to make sure that you have your health insurance in place, and better sign up before getting evicted out of your parents» policy to avoid any lapses in contributions.

If you are in good health, however, it is practical to reapply at the renewal time for a Term 10 or Term 20 policy as term insurance is the cheapest insurance option on the market.

Guaranteed issue life insurance dispenses with health questions altogether and ensures that you will get coverage as long as you meet the age requirements and live in a state where the guaranteed issue policy is sold.

In the event that you require long - term medical care in old age that your health insurance policy won't pay for, such as nursing home costs or at - home care, a long term care rider on your whole life insurance policy will cover the costIn the event that you require long - term medical care in old age that your health insurance policy won't pay for, such as nursing home costs or at - home care, a long term care rider on your whole life insurance policy will cover the costin old age that your health insurance policy won't pay for, such as nursing home costs or at - home care, a long term care rider on your whole life insurance policy will cover the costs.

For many people in Los Angeles, insurance is easily viewed as another bill in an already tightly stretched budget; however, as many residents know all too well, having a home, car, life, or health insurance policy in place is a great benefit when unexpected troubles arise.

Though you can only convert to a permanent policy, such as whole life or universal life insurance, you don't have to demonstrate that you're in good health.

«He should do it as a Term - 20 policy because if all his life insurance policies are Term - 10, and his health changes in 10 years, he won't be able to get cheap coverage.»

Often, these policies are clubbed with various other investment products such as health insurance; mutual funds etc. to increase the return on investment while life cover stays in place.

But permanent policies such as whole life insurance typically provide a lifetime death benefit, regardless of your health, as long as you pay the premiums to keep the policy in force.

As your child grows into an adult, this rider allows you to buy additional life insurance above the face value of the current policy (on specific dates and in certain increments) regardless of his / her health status at the time.

You understand that in order to cancel coverage, you need to notify Healthy Paws via regular mail, fax, or email at least 14 days in advance of your next premium payment, as described in the General Conditions found on page 3 of our Pet Health Insurance Policy.

Pet health insurance plans function in the same manner as human health insurance policies.

Along with inexpensive health insurance that you can purchase in Belize, it is possible that your United States or Canadian policies will work in Belize as well.

However, that is easier said than done in some states, including the UK: there are plenty of private health insurance policies available, and some describe themselves as comprehensive, but none are: they invariably exclude numerous risks.

When you purchase insurance coverage, whether it is car insurance, business insurance or even health insurance, you establish a contract with the insurance company to provide you with the coverage as stated in the policy.

Business Development: Brokering various business dealings that further the diversification of Indian economies Developing and accessing commercial financial programs and services for tribal governments, including tax - exempt offerings and federally - guaranteed housing loans Serving as issuer or underwriter's counsel in tribal bond issuances Ensuring tribal compliance with Bank Secrecy Act and other federal financial regulatory requirements Handling federal and state income, excise, B&O, property and other tax matters for tribes and tribal businesses Chartering tribal business enterprises under tribal, state and federal law Registering and protecting tribal trademarks and copyrights Negotiating franchise agreements for restaurants and retail stores on Indian reservations Custom - tailoring construction contracts for tribes and general contractors Helping secure federal SBA 8 (a) and other contracting preferences for Indian - owned businesses Facilitating contractual relations between tribes and tribal casinos, and gaming vendors Building tribal workers» compensation and self - insurance programs Government Relations: Handling state and federal regulatory matters in the areas of tribal gaming, environmental and cultural resources, workers» compensation, taxation, health care and education Negotiating tribal - state gaming compacts and fuel and cigarette compacts, and inter-local land use and law enforcement agreements Advocacy before the Washington State Gambling Commission, Washington Indian Gaming Association and National Indian Gaming Commission Preparing tribal codes and regulations, including tribal court, commercial, gaming, taxation, energy development, environmental and cultural resources protection, labor & employment, and workers» compensation laws Developing employee handbooks, manuals and personnel policies Advocacy in areas of treaty rights, gaming, jurisdiction, taxation, environmental and cultural resource protection Brokering fee - to - trust and related real estate and jurisdictional transactions Litigation & Appellate Services: Handling complex Indian law litigation, including commercial, labor & employment, tax, land use, treaty rights, natural and cultural resource matters Litigating tribal trust mismanagement claims against the United States, and evaluating tribal and individual property claims under the Indian Claims Limitation Act Defending tribes and tribal insureds from tort claims brought against them in tribal, state and federal courts, including defense tenders pursuant to the Federal Tort Claims Act Assisting tribal insureds in insurance coverage negotiations, and litigation Representing individual tribal members in tribal and state civil and criminal proceedings, including BIA prosecutions and Indian probate proceedings Assisting tribal governments with tribal, state and federal court appeals, including the preparation of amicus curiae briefs Our Indian law & gaming attorneys collaborate to publish the quarterly «Indian Legal Advisor ``, designed to provide Indian Country valuable information about legal and political developments affecting tribal rights.

Whether your own health insurance company decides to approve a personal injury claim related to a car accident may also depend on the doctor or hospital that provided you treatment at the time of the accident, as well as the fine writing in your insurance policy.

Insurance and Reinsurance Group lawyers have broad experience in a wide range of complex coverage and claims litigation involving property, liability, life, health, disability, directors and officers, professional liability, marine, inland marine, excess, reinsurance, title policies, and uninsured / underinsured motorist, as well as subrogation, class action, and extracontractual claims litigation.

The «minimum necessary» policy in the final rule has essentially three components: first, it does not pertain to certain uses and disclosures including treatment - related exchange of information among health care providers; second, for disclosures that are made on a routine basis, such as insurance claims, a covered entity is required to have policies and procedures governing such exchanges (but the rule does not require a case - by - case determination in such cases); and third, providers must have a process for reviewing non-routine requests on a case - by - case basis to assure that only the minimum necessary information is disclosed.

We have adopted the policy recommended by the National Association of Insurance Commissioners in the Health Information Policy Model Act (1998) as this best reflects the balance of the appropriate level of regulation of the industry compared with the need to protect individuals from harm that may result from inadvertent disclosure of informpolicy recommended by the National Association of Insurance Commissioners in the Health Information Policy Model Act (1998) as this best reflects the balance of the appropriate level of regulation of the industry compared with the need to protect individuals from harm that may result from inadvertent disclosure of informPolicy Model Act (1998) as this best reflects the balance of the appropriate level of regulation of the industry compared with the need to protect individuals from harm that may result from inadvertent disclosure of information.

Our primary areas of expertise include term life insurance, universal life and equity indexed universal life, disability income insurance, in - force policy review, insuring tough health issues, business insurance including business succession and key man life and disability insurance, as well as estate planning.

Lastly, a number of benefits included in the package, as well as the type and length of the insurance policy, will also determine the rate to be paid for the life or health insurance coverage.

For instance, many burial insurance policies do not require an applicant to take a medical examination as a part of the approval process — and because of this, those who may have an adverse health condition may still be able to qualify (even if they have been turned down for medically underwritten life insurance in the past).

As Legal & General's flagship life insurance company in the United States, they offer very competitive rates for all health classes and their policies are convertible to a whole life policy up to age 95.

• Simplified Issue Life Insurance — You may be asked a few questions before you can be approved for these policies such as whether you are a smoker, or have been diagnosed with HIV or Aids, or whether you are currently residing in a long term facility, or have other health related issues.

Do have health insurance, it's still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

(Term life insurance policies are only in force for a certain, set period of time such as 10, 15, 20, 25, or 30 years and then they will automatically expire, leaving the insured to have to re-qualify for coverage if they want to remain insured at their then - current age and health condition).

If you want $ 50,000 of coverage on a simplified insurance plan as a heavy smoker who has a history of heart issues in the family, you provide a larger risk to somebody who wants $ 50,000 of coverage on a fully underwritten policy and with perfect health.

It's certainly possible for both your mother and sister to qualify for a No Medical Exam life insurance policy, but we would first need to know how much coverage you are looking for as well as ask them some questions about their health in order to see if they would qualify.

Representing over 80 of the nation's highest rated and most respected life and disability insurance companies, MEG's primary areas of expertise include term life insurance, universal life, disability income insurance, in - force policy review, insuring tough health issues, business insurance including business succession and key man life and disability insurance, as well as estate planning.

Health insurance can be a big help in covering medical expenses, but policies often come with high deductibles, and don't cover other expenses such as housing costs, school tuition, the cost of food, and more.