Sentences with phrase «substantial impact on the cost»

You can see that raising your deductible has a substantial impact on the cost of your annual premium.

You can see that raising your deductible has a substantial impact on the cost of your annual premium.

In addition to the types of coverage and the claim limits, a person's age has a substantial impact on the cost of travel insurance.

The choice of insurance plan can also have a substantial impact on the costs you have to pay for prescriptions.

You can see that raising your deductible has a substantial impact on the cost of your annual premium.

Not exact matches

«While MBA represent a substantial cost for professionals, their impact on one's earning potential and career is undeniable,» Thomas Drewry, one of Emolument's co-founders said.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

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.

Kraft and Saputo argued that the new rules have a substantial impact on milk supply costs for dairy processors.

In approving the Nitti subdivision, a planned development of 56 new homes to be built on the site of the former Elmhurst Hospital site on Berteau, Elmhurst city council members also approved substantial increases in impact fees that will add $ 10,100 to the cost of a house in the subdivision and generate $ 470,000 for Elmhurst schools and $ 95,000 for the Park District.

«The EPSERP will have a major positive impact on the private sector through the substantial reduction in the cost of doing business for all economic sectors, particularly in the formal and informal manufacturing and service activities which are seriously constrained by the power supply gaps.

Modification of the adult vaccination schedule could also have a substantial impact on U.S. health care costs, the authors suggest.

Although the student's primary motivation wasn't financially driven, the cost impact on the affected schools will have been substantial.

Not only could this negatively impact a teacher's health, family and career aspirations; the substantial amount of absenteeism depletes the British economy due to the unprecedented costs on the medical and social support systems.

More importantly, the unseen costs associated with such a strategy, the bid / offer spread for example, often increase management fees which can have a substantial detrimental impact on your overall returns, as shown in the chart on the right3.

Money management costs should never significantly bite into into your investment profile or make a substantial impact on your saving.

Investors clearly understand that higher fees can have a negative impact on their net return, as is evident in the price war in mutual fund fees, but a few basis - points difference in visible fees is far less meaningful in performance impact than the often - large hidden costs.14 For example, switching from a low - turnover strategy to a sloppily constructed strategy that spends scores of basis points in incremental trading costs can cost the investor dearly in performance.15 The same holds true for the buyers of opaque high - fee products (hedge funds and illiquid private investments), for which substantial costs may be hidden from sight.

As far as Web 2.0, while it costs little more than a person's time to blog and participate in various social networks, the «buzz» generated can be substantial (see case study of H&R Block's social media strategy involving Facebook and Twitter), while the positive impact on search engine visibility can be significant over time.

They submit that $ 475,000, all - inclusive, would be fair and reasonable, having regard to all relevant principles, including the potential adverse impact of a substantial costs award on access to justice

Insurance plans with a low out - of - pocket limit will cost more in monthly premiums, but can also have a substantial impact on medical bills.

The type of doctor network available through your insurance plan has a pretty substantial impact on both your monthly premium costs and the availability of doctors and medical providers who will accept the insurance coverage.

This may not seem like a lot at first but it can have a substantial impact on your car insurance costs whether you have a ticket or not.