Your personal guide to health insuranceAnisha Sachit
Health Insurances, in technical terms, are a contract between the insurer and the insured, wherein the insurer will bear the costs of treatments of the insured, either by reimbursement or direct payment to the service provider, as long as the insured satisfies all the terms and conditions of the policy.
Blog: https://financebuddha.com/blog/your-personal-guide-to-health-insurance
This is a presentation by Soraya Ghebleh that explains the major components of Medicare and the associated terms an individual would need to know to navigate the vast amount of information available on Medicare.
Your personal guide to health insuranceAnisha Sachit
Health Insurances, in technical terms, are a contract between the insurer and the insured, wherein the insurer will bear the costs of treatments of the insured, either by reimbursement or direct payment to the service provider, as long as the insured satisfies all the terms and conditions of the policy.
Blog: https://financebuddha.com/blog/your-personal-guide-to-health-insurance
This is a presentation by Soraya Ghebleh that explains the major components of Medicare and the associated terms an individual would need to know to navigate the vast amount of information available on Medicare.
Does a referral management software really enhance patient experienceGaryRichards30
When patients need advanced treatment or additional diagnosis that cannot be given within the practice, they are referred to a specialist/imaging center. The process of managing all the patient referrals that are received or sent is called patient referral management. By using referral management software, you can ensure that Andrews’ knee pain heals while he also develops a positive opinion about your practice. Watch how you can improve patient experience by using a referral management software!
Emeritrust Benefits provides a Medicare educational seminar to help explain what Medicare does and does not cover. We also explain what other types are available including Medicare supplement plans, Medicare Advantage Plans, and Medicare Part D drug plans.
FAQs on CGHS are intended to provide general information and guidance needed for the CGHS beneficiaries to avail CGHS facilities The contents must be read in conjunction with OMs/Office orders as issued from time to time.
Our patient accounts staff answers to frequently asked billing questions at Summit Medical Group. Topics include bringing your insurance card to all medical visits, the ABC's of co-pays, deductibles and co-insurance, and the difference between in-network and out-of-network services.
Read this article for details about the basics of pediatrics medical billing and why outsourcing this billing task can be advantageous for practitioners.
Common challenges faced by Physicians and Practitioners with Medical Billingjennyvergeese
Medical billing refers to the process of filing and following up on claims with health insurance companies / providers in order to receive payments for the healthcare services rendered to patients by the practices / physicians. Medical billing serves as an effective channel between medical service providers and insurance companies.
In early July, the Department of Treasury announced it is delaying a key mandate of the Affordable Care Act: what's known as the 'Pay or Play' mandate. While pushing pause on this mandate gives large employers another year to prepare, we strongly advise businesses not to wait to start making strategic decisions. For more information, contact Fraser Trebilcock Senior Health Care and Business Attorney Mike James at mjames@fraserlawfirm.com or 517.377.0823. You can also find more information at www.milhealthlaws.com.
Does a referral management software really enhance patient experienceGaryRichards30
When patients need advanced treatment or additional diagnosis that cannot be given within the practice, they are referred to a specialist/imaging center. The process of managing all the patient referrals that are received or sent is called patient referral management. By using referral management software, you can ensure that Andrews’ knee pain heals while he also develops a positive opinion about your practice. Watch how you can improve patient experience by using a referral management software!
Emeritrust Benefits provides a Medicare educational seminar to help explain what Medicare does and does not cover. We also explain what other types are available including Medicare supplement plans, Medicare Advantage Plans, and Medicare Part D drug plans.
FAQs on CGHS are intended to provide general information and guidance needed for the CGHS beneficiaries to avail CGHS facilities The contents must be read in conjunction with OMs/Office orders as issued from time to time.
Our patient accounts staff answers to frequently asked billing questions at Summit Medical Group. Topics include bringing your insurance card to all medical visits, the ABC's of co-pays, deductibles and co-insurance, and the difference between in-network and out-of-network services.
Read this article for details about the basics of pediatrics medical billing and why outsourcing this billing task can be advantageous for practitioners.
Common challenges faced by Physicians and Practitioners with Medical Billingjennyvergeese
Medical billing refers to the process of filing and following up on claims with health insurance companies / providers in order to receive payments for the healthcare services rendered to patients by the practices / physicians. Medical billing serves as an effective channel between medical service providers and insurance companies.
In early July, the Department of Treasury announced it is delaying a key mandate of the Affordable Care Act: what's known as the 'Pay or Play' mandate. While pushing pause on this mandate gives large employers another year to prepare, we strongly advise businesses not to wait to start making strategic decisions. For more information, contact Fraser Trebilcock Senior Health Care and Business Attorney Mike James at mjames@fraserlawfirm.com or 517.377.0823. You can also find more information at www.milhealthlaws.com.
As consumers face more choice, complexity, and financial exposure for their health care in an increasingly uncertain world, they are highly influenced by Age , Income and Education factors.
Star Comprehensive Insurance Policy ensures complete coverage for the whole family giving hospitalization benefits with no sub-limits or caps on room rent, no disease wise limits, OP dental and ophthalmic treatments, hospital cash benefit, delivery and new born baby cover, Pre and Post-hospitalization expenses covered etc.
When a company considers offering an HRA, they want to be sure their employees will find it valuable.
In this first session in a three-part webinar series, we’ll show exactly what the HRA experience is like for an employee. We’ll walk through:
The basics of how an HRA works
How your employee can buy health insurance
What they need to do when they go to the doctor or have another expense
How they’ll submit expenses for reimbursement
How your employee will receive reimbursement
Which expenses are eligible
How an expense is approved
How the allowance works, including rollover, recommended amounts, and more
Healthcare and social security BPJS is a mandatory that serve different ways, for anyone living in Indonesia is an employment with Indonesian based company. Another type of insurance you can get are life insurance, health insurance, vehicle insurance, house & property insurance, educational insurance, and travel insurance.
Apollo Munich introduces a first of its kind, unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
ESIC Benefits | Only for the Private Use for the Staff of SandMartin Group of Companies & should not be treated as professional opinion/recommendations.
Planning for the old age when the ability to earn diminishes while the expenses to live a dignified and healthy life start rising is of utmost importance.
Similar to 1. health insurance orientation module (20)
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
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what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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2. Introduction
Future Generali is an insurance joint venture between the Italy-based
Generali Group and the India-based Future Group.
Future Generali operates Life and Non-Life insurance businesses through ‘Future
Generali India Life Insurance Co. Ltd.’ and ‘Future Generali India Insurance Co. Ltd.’
Future Group holds 74% each in both the companies.
Future Generali received license from the Insurance Regulatory Development
Authority (IRDA) in Sept 2007 and launched operations from Nov 2007.
Future Generali Health
5. How we are different:
• Future Generali Health (FGH) is an internal unit of Future Generali India Insurance.
• No Third Party Administrator (TPA) involved between the insurer and FGH.
• No prior approval required to sanction authorization for cashless as in the case of
TPAs.
• Claim settlement is faster due to single point clearance – no exchange of claim
documents between insurer and TPA.
• Preferred services extended as FGH provides service only to clients insured by
Future Generali.
Future Generali Health
6. Future Generali Health
An In-house Health Management Team of Future Generali India Insurance Co. Ltd.
Internal units of (FGH) Future Generali Health Team
Call Centre
24 X 7 Helpline to cater to customer queries
Enrolment
For card issuance and member data management
Cashless Management
24 X 7 services with 2 hours Turn Around Time (TAT)**
Claims Processing
Average TAT of 14 working days**
Provider Management
1400 hospitals and 200 diagnostic centers network
Research and Analysis
Analysis, Feedback & monitoring
Pre Policy
For retail medical underwriting
Underwriting
Centralized Group / Retail Underwriting at hubs
**All TAT’s subject to availability of complete documentation
Future Generali Health
8. Member Enrolment
Key Function: For card issuance and member data management
Within how many days will I get my Wellness Card?
• You will receive health cards via courier or e‐mail within 7 days after your details
are received by FGH from your organization.
What if there is an error on my Wellness Card?
• For any error in cards or correction required, you can immediately report to
your HR.
What is the use of the Wellness Card?
• You will get a Wellness Card to utilize the Cashless facility at Network Hospitals.
• This card helps only in your identification as a Future Generali Health member.
• Availability of Cashless and any other benefit is subject to policy terms.
Future Generali Health
12. Cashless Process FAQs
1. What is a Network Hospital? How do I know the hospital is on
the network?
FGH has tied up with specific hospitals and nursing homes to provide preferred services
to its customers . These hospitals are termed as “Network” hospitals.
You can find out the details of Network hospitals in your city from our Call Centre on
phone or by e‐mail. The details are also available in the Health Insurance Guide sent
along with your Wellness Card.
Hospitals are added and removed from the network at regular intervals. You are
advised to check with our Call Centre for the updated status of any hospital.
Future Generali Health
13. Cashless Process FAQs
2.How does the Hospital verify that the cardholder is genuine?
Since the Card issued is not a photo id card, you are required to submit a photo id to
verify the genuinity of identity at the Admission Desk of the Hospital. The photo id can
be your Organization Identity Card, Driving License or any other such card which will
help the hospital to establish the genuinity of the patient.
3.What is a Preauthorization Request?
This is a Request for Cashless Hospitalization. The same has to be duly filled up, signed
and stamped by the Hospital Authorities. Thereafter it has to be sent by fax / e‐mail to
FGH. The Contact details of FGH is available in the hospital.
Future Generali Health
14. Cashless Process FAQs
4.Where do I procure the Preauthorization Request from?
The Preauthorization Form template is available with the Network Hospitals or also
enclosed with the Health Insurance Guide. It can also be obtained from FGH Call Centre
on phone or by e‐mail.
5.How to fill the Preauthorization form?
It must be filled by the Treating Doctor.
Information required are :
ID No. as printed on the Card, Signs and Symptoms of the present aliment, duration of
the aliment, diagnosis, pre existing conditions if any, proposed line of treatment,
expected date of admission, duration of stay and estimated cost of hospitalization.
Future Generali Health
15. Cashless Process FAQs
6.Where do I send the Preauthorization form?
The Preauthorization Request for Cashless Hospitalization can either be faxed to
24 x 7 Toll Free Fax‐line 1800 103 9998 or mailed to fgh@futuregenerali.in
7.What is an Authorization Letter ?
Authorization Letter is the communication ascertaining the Admissibility or Acceptance
of the Cashless Service. The same is issued by FGH subject to admissibility of the claim
and availability of balance sum insured for the member.
8.Is the entire amount requested by hospital authorized by
FGH?
FGH would release a part or the entire amount depending on the ailment and related
expenses. In case a part amount has been approved by FGH, then the hospital would
ask for additional authorization when necessary.
Future Generali Health
16. Cashless Process FAQs
8.How do I know whether my Claim has been approved for
Cashless or not?
Authorization Letter or Denial Letter shall be faxed directly to the Hospital with
intimation to you.
A Query letter shall be faxed to the hospital if in case FGH wants some additional
information to decide upon the admissibility.
Future Generali Health
17. Cashless Process FAQs
9. What are the circumstances under which a Request for
Cashless Hospitalization shall be denied?
1.
If the information contained in the Request is insufficient for FGH to arrive at a
decision and further information is not available for whatever reasons.
2.
The ailment for which hospitalization is sought is not covered under the
particular insurance policy or is a part of an Exclusion under the policy
guidelines.
3.
The insured has already exhausted his insurance coverage for the year.
Future Generali Health
20. Remember
Cashless facility is always subject to the broader policy guidelines and relevant
terms and conditions.
Important
Please note that decline of a request for Cashless Hospitalization is only denial of
Cashless Service and is in no way to be treated as denial of treatment or claim. The
insured retains the right to get treated and submit the bills to FGH for subsequent
Reimbursement.
Future Generali Health
21. Preliminary scrutiny of claim &
verification :
‐ Policy Benefit
‐ Date of Loss
‐ Mandatory Documents
Deficient
(Some Document required
For Admissibility)
Repudiated
(Not falling with policy conditions)
Reply not
received
Approved
(Admissible under policy)
Repudiation letter
sent to client
Intimation of the
Deficiency
is sent to the client
Reply received along
with all
deficient documents
Claim documents received from
Insured member
Payment cheque
sent to client
Subsequent reminders
sent at fixed intervals
Documents
not received
Reimbursement
Claims Process
Claim closed
without payment
Future Generali Health
22. Reimbursement Claim Process ‐ FAQs
In case of Non Cashless Claims, what would be an appropriate plan
of action to ensure timely reimbursement of the claim?
If cashless facility is not availed, pre‐authorization is denied or treatment is availed at a non‐
network hospital, the insured will have to settle the bills directly with the hospital and
subsequently claim reimbursement by submitting the following documents to FGH:
1. First Prescription / consultation note from the Doctor
2. The Claim Form duly signed by the claimant or family member
3. The Original Hospital Discharge Card
4. The Original Hospital Bill giving detailed break up of all expense heads mentioned in the
bill
Future Generali Health
24. Reimbursement Claim Process ‐ FAQs
What are the norms for Intimation on Claims ?
Preliminary notice of claim with particulars relating to Name of the Insured
Person / Claimant, Nature of illness / injury and Name and Address of the
attending Medical Practitioner / Hospital / Nursing home should be given to
FGH. Intimation can be sent by e‐mail or Fax to our Call Centre.
FGH
Future Generali Health
25. Reimbursement Claim Process ‐ FAQs
Are there any norms related to the Hospital where treatment is sought
which are mandatory for admissibility of claims?
Please ensure that the hospital / nursing home where you are contemplating treatment
fulfills these criteria.
1.It has at least 15 inpatient beds;
2.It has a Doctor who is in attendance 24 hours per day;
3.It maintains daily medical records for each of its patients,
4.It is registered and licensed as a hospital or nursing home with the appropriate local
authorities. Always instruct the hospital authority to mention the Attending Doctor’s and
Hospital Registration No. in the hospital papers or demand for a separate certificate on the
same
5.The hospital provides a proper discharge summary, numbered bill and receipt for
hospitalization expenses at the time of discharge
Future Generali Health
26. Reimbursement Claim Process ‐ FAQs
Where do I send my claim documents?
Claim documents will be forwarded to the Future Generali Health Team in Pune by the
member / corporate. All claims will be managed by the Claims Team located in Pune.
Claims Team
Future Generali Health
2nd Floor, Kant Helix Tower, Bhoir Colony, Opp Tata Motors, Chinchwad,
Pune – 411033 (Maharashtra)
All claim payments advice shall be made within 14 working days from the date of receipt of
COMPLETE documents.
FGH may ask for the additional documents from the claimant if the submitted documents
are not sufficient to decide the admissibility of the claim.
Future Generali Health
27. Reimbursement Claim Process ‐ FAQs
What does FGH do with my claim documents?
Your claim is assessed by our expert team and doctors who verify the documents and bills
If all requirements are complete and the claim is admissible, the claim is approved and the
cheque is sent to you or your corporate
If the claim is not admissible, then a Repudiation Letter is sent to you / corporate by e‐mail
/ courier
If our team requires additional documents to process the claim, then a Document Recovery
letter will be sent to you / corporate by e‐mail / courier
FGH will send one intimation and two reminders at intervals of 15 days
If additional documents are not received after the second reminder from FGH, the
claim is assessed with the available documents. This could lead to part payment or
no payment at all.
Future Generali Health
28. Your Contact Points
For any claim related query, hospital information, grievance, feedback or
appreciation, please contact us on the following:
Toll Free Phone No
1800 103 8889
Toll Free Fax No
1800 103 9998
Email
fgh@futuregenerali.in
In case you do not receive a response from the above, then you can escalate your
issue to the following:
*1st Escalation: Vinayak Pankhade at palanivel.a@futuregenerali.in
*2nd Escalation: Ashish Saxena at ashish1.saxena@futuregenerali.in
*3rd Escalation: Bishwajit Nayak at bishwajit.nayak@futuregenerali.in
Future Generali Health
29. Future Generali Health Insurance
2nd Floor, Kant Helix Tower, Bhoir Colony, Opp Tata Motors, Chinchwad,
Pune – 411033 (Maharashtra)
Future Generali Health