The document outlines the essentials individuals need to know about the new individual health insurance marketplace. It discusses 5 key points: 1) guaranteed issue mandate which prohibits health-related questions, 2) open enrollment periods during which one must enroll, 3) special enrollment periods for life events, 4) shared responsibility requiring all individuals to have coverage, and 5) minimum essential coverage defining standardized plan levels and essential benefits. The individual marketplace aims to give more choice and access to individuals seeking health insurance.
Each year, Jackson Healthcare studies trends impacting physicians' careers and medical practices.
We hope this information helps physicians make more informed, strategic decisions. And we hope these statistics help healthcare executives, industry thought leaders and media professionals better understand the attitudes, challenges and opportunities physicians face.
This presentation shares highlights from our 2014 national survey of U.S. physicians.
Precise Patient Registries: The Foundation for Clinical Research & Population...Health Catalyst
Join Dale Sanders as he shares his experience in developing disease registries, the history of patient registries, and the current design patterns in data engineering to create highly precise registries to support clinical research and population health management.
Topics:
*How the definition of the term “patient registry" has evolved from being associated with a federal- or state-mandated reporting requirement to a hospital or health system’s own population of patients, including device registries, drug registries, and procedure registries.
*Why engaging certain populations via group registries allows them to better understand their conditions and reach out for support from others who share their condition.
*Several untapped benefits of registries for disease and quality management.
*When to utilize patient registries to guide decision-making and drive change, especially at the point of care.
*Which of the critical steps to building a disease registry is most important.
*The keys to winning organizational support in order to implement a successful registry initiative.
*Precise patient registries play a significant role in the management of a broad variety of healthcare processes, including chronic diseases and conditions, as well as clinical research.
Understanding how registries are currently built vs. how they should be built is critical to the future of healthcare outcomes improvement, cost reduction, and translational research.
The State of Women in Healthcare 2015 by @Rock_HealthRock Health
This report on the State of Women in Healthcare explores why gender diversity matters in the workplace and what women and organizations can do to change the status quo. The report is based on a survey of over 400 women across the healthcare sector, including entrepreneurs, investors, industry executives, and healthcare professionals.
Watch the archived webinar: https://www.youtube.com/watch?v=LHx7wOMI_EU
Buy this report: https://gumroad.com/l/ZcJUs
Using Social Media: A Patient PerspectiveScott Johnson
I presented this information to a group of diabetes educators at the International Diabetes Center's Symposium for Advanced Diabetes Educators held April 23, 2012.
Share this with anyone you think may benefit. You're welcome to use this in your work as long as you provide proper attribution and credit back to Scott K. Johnson at http://scottsdiabetes.com/
Each year, Jackson Healthcare studies trends impacting physicians' careers and medical practices.
We hope this information helps physicians make more informed, strategic decisions. And we hope these statistics help healthcare executives, industry thought leaders and media professionals better understand the attitudes, challenges and opportunities physicians face.
This presentation shares highlights from our 2014 national survey of U.S. physicians.
Precise Patient Registries: The Foundation for Clinical Research & Population...Health Catalyst
Join Dale Sanders as he shares his experience in developing disease registries, the history of patient registries, and the current design patterns in data engineering to create highly precise registries to support clinical research and population health management.
Topics:
*How the definition of the term “patient registry" has evolved from being associated with a federal- or state-mandated reporting requirement to a hospital or health system’s own population of patients, including device registries, drug registries, and procedure registries.
*Why engaging certain populations via group registries allows them to better understand their conditions and reach out for support from others who share their condition.
*Several untapped benefits of registries for disease and quality management.
*When to utilize patient registries to guide decision-making and drive change, especially at the point of care.
*Which of the critical steps to building a disease registry is most important.
*The keys to winning organizational support in order to implement a successful registry initiative.
*Precise patient registries play a significant role in the management of a broad variety of healthcare processes, including chronic diseases and conditions, as well as clinical research.
Understanding how registries are currently built vs. how they should be built is critical to the future of healthcare outcomes improvement, cost reduction, and translational research.
The State of Women in Healthcare 2015 by @Rock_HealthRock Health
This report on the State of Women in Healthcare explores why gender diversity matters in the workplace and what women and organizations can do to change the status quo. The report is based on a survey of over 400 women across the healthcare sector, including entrepreneurs, investors, industry executives, and healthcare professionals.
Watch the archived webinar: https://www.youtube.com/watch?v=LHx7wOMI_EU
Buy this report: https://gumroad.com/l/ZcJUs
Using Social Media: A Patient PerspectiveScott Johnson
I presented this information to a group of diabetes educators at the International Diabetes Center's Symposium for Advanced Diabetes Educators held April 23, 2012.
Share this with anyone you think may benefit. You're welcome to use this in your work as long as you provide proper attribution and credit back to Scott K. Johnson at http://scottsdiabetes.com/
Using “Web 2.0” to Deliver Diabetes Education and Address Local Needs
American Association of Diabetes Educators 36th Annual Meeting, August 2009
Ginny Burns* CDE RN MEd, Grant Sunada MPH, Brenda Ralls PhD
*Presenter
This is a lab companion to the presentation presented by Dr. Barb Schreiner at Texas Lions Camp's Advanced Diabetes Seminar - Saturday, April 26, 2014.
Weighing in on Social Media
Hands-On Social Media Workshop
ADEU -- Association of Diabetes Educators of Utah
Update Pre-Conference Workshop
November 4, 2009
Presented by Nancy Lombardo, MLS;
Todd Vandenbark, MLS/TM;
Ginny Burns, CDE, RN, MEd;
Grant Sunada, MPH
A Special Course delivered at the AADE 2013 annual conference, Tuesday, August 6, 2013.
PRESENTERS:
* David Edelman, Diabetes Daily (@DavidTalk, @DiabetesDaily)
* Manny Hernandez, Diabetes Hands Foundation (@AskManny, @DiabetesHF)
* Amy Tenderich, MA, DiabetesMine.com (@AmyDBMine, @DiabetesMine)
* Hope Warshaw, MMSc, RD, CDE, BC-ADM, Hope Warshaw Associates, LLC (@HopeWarshaw)
Co-Facilitators during the Genius Bar segment:
* Bennet Dunlap (@badshoe)
* Mila Ferrer, Jimmy Ferrer (@Dulce_Guerrero)
* Brian Cohen
* Catherine Price (@Catherine_Price)
* Deborah Greenwood (@DebGreenwood)
* Dominika Murphy (@DominikaMPH)
* Jill Weisenberger (@nutritionjill)
With the rise of social media, persons with diabetes are increasingly engaging online. It's time for more diabetes educators to step up their social media skills and engagement — for job security. Don't be left behind! Join our panel of social media experts to learn the latest about social media platforms and best practices for engagement. Determine social media goals through a self-assessment process and hands-on help.
Employee benefit Insurance policies guide for Indian CompaniesSusheel Agarwal
This Book presents the guidelines to Employee Benefits Insurance, the best practices, all the related questions and their answers! The relevant concepts in employee insurance and examples to help the readers understand and complement the core content!
Please reach out to us directly in case of help in creating a wonderful benefits bouquet for your people.
Using “Web 2.0” to Deliver Diabetes Education and Address Local Needs
American Association of Diabetes Educators 36th Annual Meeting, August 2009
Ginny Burns* CDE RN MEd, Grant Sunada MPH, Brenda Ralls PhD
*Presenter
This is a lab companion to the presentation presented by Dr. Barb Schreiner at Texas Lions Camp's Advanced Diabetes Seminar - Saturday, April 26, 2014.
Weighing in on Social Media
Hands-On Social Media Workshop
ADEU -- Association of Diabetes Educators of Utah
Update Pre-Conference Workshop
November 4, 2009
Presented by Nancy Lombardo, MLS;
Todd Vandenbark, MLS/TM;
Ginny Burns, CDE, RN, MEd;
Grant Sunada, MPH
A Special Course delivered at the AADE 2013 annual conference, Tuesday, August 6, 2013.
PRESENTERS:
* David Edelman, Diabetes Daily (@DavidTalk, @DiabetesDaily)
* Manny Hernandez, Diabetes Hands Foundation (@AskManny, @DiabetesHF)
* Amy Tenderich, MA, DiabetesMine.com (@AmyDBMine, @DiabetesMine)
* Hope Warshaw, MMSc, RD, CDE, BC-ADM, Hope Warshaw Associates, LLC (@HopeWarshaw)
Co-Facilitators during the Genius Bar segment:
* Bennet Dunlap (@badshoe)
* Mila Ferrer, Jimmy Ferrer (@Dulce_Guerrero)
* Brian Cohen
* Catherine Price (@Catherine_Price)
* Deborah Greenwood (@DebGreenwood)
* Dominika Murphy (@DominikaMPH)
* Jill Weisenberger (@nutritionjill)
With the rise of social media, persons with diabetes are increasingly engaging online. It's time for more diabetes educators to step up their social media skills and engagement — for job security. Don't be left behind! Join our panel of social media experts to learn the latest about social media platforms and best practices for engagement. Determine social media goals through a self-assessment process and hands-on help.
Employee benefit Insurance policies guide for Indian CompaniesSusheel Agarwal
This Book presents the guidelines to Employee Benefits Insurance, the best practices, all the related questions and their answers! The relevant concepts in employee insurance and examples to help the readers understand and complement the core content!
Please reach out to us directly in case of help in creating a wonderful benefits bouquet for your people.
A MAN’S RIGHT TO HAPPINESS If by happenstance you require emergency triage, Maybury recom- mends that you transform your image as much as possible to that of a health care provider.He means that doctors and nurses are social beings that will gravitate more quickly and attentively to those with whom they identify the most.Therefore,if you dress intelligently,sound highly educated, act very polite and courteous, and perhaps carry a book with you,health care providers may feel more inclined to pay more attention to you and provide better care. This is the kind of mindset you’ll need in the new Obamacare
Fraser Trebilcock teamed up with Lansing Regional Chamber of Commerce to present a free seminar to help employers keep up with changes related to Health Care Reform. This is the fourth presentation in the Business Education Series, titled "Navigating the ACA Marketplace: Guidance for Small Businesses and Individuals". Michael James, Senior Health Care and Business Attorney from Fraser Trebilcock, presented the keynote presentation.
HealthCompare Insurance - Understanding other types of insuranceHealth Compare
Understanding your options when it comes to Health Plans or Health Insurance can be a complicated experience, especially if you are unfamiliar with your options. HealthCompare has put together this slideshare to help you navigate and know your options. Learn more at HealthCompare.com
PET CT beginners Guide covers some of the underrepresented topics in PET CTMiadAlsulami
This lecture briefly covers some of the underrepresented topics in Molecular imaging with cases , such as:
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Rate Controlled Drug Delivery Systems, Activation Modulated Drug Delivery Systems, Mechanically activated, pH activated, Enzyme activated, Osmotic activated Drug Delivery Systems, Feedback regulated Drug Delivery Systems systems are discussed here.
CHAPTER 1 SEMESTER V PREVENTIVE-PEDIATRICS.pdfSachin Sharma
This content provides an overview of preventive pediatrics. It defines preventive pediatrics as preventing disease and promoting children's physical, mental, and social well-being to achieve positive health. It discusses antenatal, postnatal, and social preventive pediatrics. It also covers various child health programs like immunization, breastfeeding, ICDS, and the roles of organizations like WHO, UNICEF, and nurses in preventive pediatrics.
KEY Points of Leicester travel clinic In London doc.docxNX Healthcare
In order to protect visitors' safety and wellbeing, Travel Clinic Leicester offers a wide range of travel-related health treatments, including individualized counseling and vaccines. Our team of medical experts specializes in getting people ready for international travel, with a particular emphasis on vaccines and health consultations to prevent travel-related illnesses. We provide a range of travel-related services, such as health concerns unique to a trip, prevention of malaria, and travel-related medical supplies. Our clinic is dedicated to providing top-notch care, keeping abreast of the most recent recommendations for vaccinations and travel health precautions. The goal of Travel Clinic Leicester is to keep you safe and well-rested no matter what kind of travel you choose—business, pleasure, or adventure.
The dimensions of healthcare quality refer to various attributes or aspects that define the standard of healthcare services. These dimensions are used to evaluate, measure, and improve the quality of care provided to patients. A comprehensive understanding of these dimensions ensures that healthcare systems can address various aspects of patient care effectively and holistically. Dimensions of Healthcare Quality and Performance of care include the following; Appropriateness, Availability, Competence, Continuity, Effectiveness, Efficiency, Efficacy, Prevention, Respect and Care, Safety as well as Timeliness.
Stem Cell Solutions: Dr. David Greene's Path to Non-Surgical Cardiac CareDr. David Greene Arizona
Explore the groundbreaking work of Dr. David Greene, a pioneer in regenerative medicine, who is revolutionizing the field of cardiology through stem cell therapy in Arizona. This ppt delves into how Dr. Greene's innovative approach is providing non-surgical, effective treatments for heart disease, using the body's own cells to repair heart damage and improve patient outcomes. Learn about the science behind stem cell therapy, its benefits over traditional cardiac surgeries, and the promising future it holds for modern medicine. Join us as we uncover how Dr. Greene's commitment to stem cell research and therapy is setting new standards in healthcare and offering new hope to cardiac patients.
Chandrima Spa Ajman is one of the leading Massage Center in Ajman, which is open 24 hours exclusively for men. Being one of the most affordable Spa in Ajman, we offer Body to Body massage, Kerala Massage, Malayali Massage, Indian Massage, Pakistani Massage Russian massage, Thai massage, Swedish massage, Hot Stone Massage, Deep Tissue Massage, and many more. Indulge in the ultimate massage experience and book your appointment today. We are confident that you will leave our Massage spa feeling refreshed, rejuvenated, and ready to take on the world.
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Trauma Outpatient Center is a comprehensive facility dedicated to addressing mental health challenges and providing medication-assisted treatment. We offer a diverse range of services aimed at assisting individuals in overcoming addiction, mental health disorders, and related obstacles. Our team consists of seasoned professionals who are both experienced and compassionate, committed to delivering the highest standard of care to our clients. By utilizing evidence-based treatment methods, we strive to help our clients achieve their goals and lead healthier, more fulfilling lives.
Our mission is to provide a safe and supportive environment where our clients can receive the highest quality of care. We are dedicated to assisting our clients in reaching their objectives and improving their overall well-being. We prioritize our clients' needs and individualize treatment plans to ensure they receive tailored care. Our approach is rooted in evidence-based practices proven effective in treating addiction and mental health disorders.
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...ILC- UK
The Healthy Ageing and Prevention Index is an online tool created by ILC that ranks countries on six metrics including, life span, health span, work span, income, environmental performance, and happiness. The Index helps us understand how well countries have adapted to longevity and inform decision makers on what must be done to maximise the economic benefits that comes with living well for longer.
Alongside the 77th World Health Assembly in Geneva on 28 May 2024, we launched the second version of our Index, allowing us to track progress and give new insights into what needs to be done to keep populations healthier for longer.
The speakers included:
Professor Orazio Schillaci, Minister of Health, Italy
Dr Hans Groth, Chairman of the Board, World Demographic & Ageing Forum
Professor Ilona Kickbusch, Founder and Chair, Global Health Centre, Geneva Graduate Institute and co-chair, World Health Summit Council
Dr Natasha Azzopardi Muscat, Director, Country Health Policies and Systems Division, World Health Organisation EURO
Dr Marta Lomazzi, Executive Manager, World Federation of Public Health Associations
Dr Shyam Bishen, Head, Centre for Health and Healthcare and Member of the Executive Committee, World Economic Forum
Dr Karin Tegmark Wisell, Director General, Public Health Agency of Sweden
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TEST BANK For Accounting Information Systems, 3rd Edition by Vernon Richardso...rightmanforbloodline
TEST BANK For Accounting Information Systems, 3rd Edition by Vernon Richardson, Verified Chapters 1 - 18, Complete Newest Version
TEST BANK For Accounting Information Systems, 3rd Edition by Vernon Richardson, Verified Chapters 1 - 18, Complete Newest Version
TEST BANK For Accounting Information Systems, 3rd Edition by Vernon Richardson, Verified Chapters 1 - 18, Complete Newest Version
2. With the onset of healthcare reform, the landscape in the individual health
insurance marketplace has changed dramatically.
There are LOTS
of questions.
3. We’ll describe what you need to know in order to navigate the NEW individual
segment of the health insurance industry.
Get. Ready.
4. Let’s share a very short background about the differences between individual
health insurance and employer health insurance.
They’re not
Differences?
the same.
5. You’ll know that individual versus
employer health insurance are two
completely different ballgames
when it comes to plan design.
There are different rules. There are
different tax incentives. There are
different eligibility criteria. The list
goes on.
And THAT’S a whole
different article.
IF YOU KNOW MUCH ABOUT THE HEALTH INSURANCE INDUSTRY AT ALL…
6. As an individual or BUSINESS OWNER you’ll want to know the “ins and
outs” of both: employer plans AND the new individual marketplace.
7. BECAUSE FOR CERTAIN BUSINESS OWNERS:
THE INDIVIDUAL SEGMENT WILL BE MOST IMPORTANT NOW ANYWAYS.
8. HERE ARE THE “ESSENTIALS” OF THE NEW INDIVIDUAL
HEALTH INSURANCE MARKETPLACE. THIS IS WHAT YOU
NEED TO KNOW.
9. THIS IS PROBABLY THE BIGGEST GAME-CHANGER OF THEM ALL:
“Guaranteed Issue.” One of those big insurance words.
ESSENTIAL #1: “GUARANTEED ISSUE” MANDATE
10. For years-upon-years, if you were going to
apply for an individual health insurance
plan….
You had to go through a series of
health-related questions in order to
apply for coverage. There were 50,
60, and sometimes even 70 or more
questions. If you’ve applied for
coverage before 2014, you know
what this is all about.
YES. MISERY.
11. You heard that right: OUTA’ HERE. It’s
still difficult for many to
comprehend. There are NO MORE
health-related questions on
individual health insurance
applications anymore.
THIS is what is called
“Guaranteed Issue” in the
insurance world.
LOVE. That.
Starting in 2014: these health related questions are all GONE.
12. ALL GUARANTEED ISSUE MEANS, IS THAT IF YOU APPLY FOR COVERAGE, YOU
HAVE GOT TO BE ACCEPTED.
You’re in.
13. Q: How does this change the ballgame?
Game changer.
A: You don’t need
access to an employer
health insurance plan
to apply for coverage
anymore.
This is huge. Especially
for those with
preexisting conditions.
14. It can’t be emphasized enough how much this has freed
up individual choice in health insurance plans.
We like options.
You can literally pick
any plan from any
company, and apply for
coverage now.
15. And to boot: if you’re eligible for subsides at the new
health insurance marketplaces…
Game changing.
Again.
You could end up
receiving quite a bit
of money in the form
of subsidies that will
help you pay for your
premiums.
16. This all sounds fine and dandy, right? It is. But there are
some important concepts that need to be understood.
Movin’ on.
17. In the past (before 2014),
you could apply for an
individual health
insurance plan at any
time during the year.
You could go out, pick a
plan, and apply for
coverage… but you might
be denied.
ESSENTIAL #2: OPEN ENROLLMENT PERIODS
WELL THAT’S ALL
HISTORY NOW.
18. BECAUSE TODAY (in 2014 and Beyond):
There’s now an “individual open enrollment period.”
Save the date.
Q: What’s an open
enrollment period?
A: It’s a time-frame at the
end of the year when you
can enroll for individual
health insurance.
OPEN
ENROLLMENT
PERIOD
19. THIS is that exact same concept. Except it’s in the new individual
health insurance marketplace now.
AND IT’S A BIG ENROLLMENT: IT’S THE ENTIRE USA.
If you’ve ever worked for an employer that has a company health
insurance plan, you’ll know that you’ve usually got to apply for
coverage during yearly enrollment.
20. Need an appendectomy in the middle of June? It’s too
late. Open enrollment is over.
Get covered.
You’ve now got to enroll
during open enrollment
each year.
This can be very important,
because if you miss open
enrollment, you don’t get an
opportunity to apply again
until the end of the next year.
21. BUT. WHAT IF I LOSE MY COVERAGE IN THE MIDDLE OF THE
YEAR? LIKE CHANGE JOBS. OR GET DIVORCED.
BECAUSE:
You’re special.
IMPORTANT QUESTION.
Which leads us right into our next
individual marketplace essential:
SPECIAL ENROLLMENT.
22. ESSENTIAL #3: Special Enrollment Period
Q: What is a special
enrollment period?
A: It’s a time to enroll in the
middle of the year (outside
of the open enrollment we
just described), under
special circumstances.
THIS IS SPECIAL.
23. WHAT ARE THESE SPECIAL ENROLLMENT CIRCUMSTANCES?
They’re events.
It’s life.
They’re “life events” that can take
place in the middle of the year. If
you incur one, you can “special
enroll.” Here are examples:
• You get married.
• You get divorced.
• You have a child.
• You lose your coverage.
• You move. Plus others…
LIFE
EVENTS
24. In the KNOW.
Most events give you 60 days to
enroll in a plan from the time the
“life event” takes place.
HOWEVER: A Few of these events
only give you 30 days.
Be sure you know which event
applies to you, and how much
time you have to enroll.
YOU’LL WANT TO MAKE SURE TO UNDERSTAND THESE LIFE EVENTS IF YOU
EVER NEED TO UTILIZE THE SPECIAL ENROLLMENT PERIOD.
25. Rolling.
CONGRATULATIONS: MOVING RIGHT ALONG.
THERE ARE ONLY A COUPLE OF “ESSENTIALS” LEFT.
We’re going to briefly go
over these terms:
• ESSENTIAL #4: SHARED RESPONSIBILITY
• ESSENTIAL #5: MINIMUM ESSENTIAL COVERAGE
26. ESSENTIAL #4: “Shared Responsibility”
“Shared responsibility” is a
term that has been coined in the
healthcare reform law.
It means everybody has got to
be “in” in order to make these
reforms work:
• Individuals.
• Employers.
• The Government.
EVERYONE has got to have a
health insurance plan.
27. ESSENTIAL #5: Minimum Essential Coverage
“Minimum essential
coverage” is the type of
coverage you need to have
in order to satisfy the
requirements of the
Affordable Care Act (ACA).
There is a standard of
coverage that has to be
met.
THE BAR HAS
BEEN RAISED.
28. Effectively: “Minimum Essential Coverage”
has standardized health insurance.
There are now only FOUR metallic levels of coverage
when it comes to ALL health plans:
PLATINUM. GOLD. SILVER. BRONZE.
(For those under 30yo, there’s also a “Catastrophic” plan)
It’s minimum.
It’s essential.
29. Roger that.
IN ORDER TO AVOID PAYING A TAX PENALTY, YOU MUST BE ENROLLED IN A
“MINIMIUM ESSENTIAL COVERAGE” HEALTH PLAN.
There’s no doubt
about it.
There are tax penalties that start in
2014 if you don’t have a health
insurance plan.
You’ll need to participate in a
bronze, silver, gold, or platinum
level plan in order to avoid it.
30. THIS is where the bar was raised.
AND: THAT PLAN WILL NEED TO CONTAIN NEW
MANDATED “ESSENTIAL BENEFITS.”
Count ‘Em:
31. NO “ifs, ands,
or buts.”
#1) Outpatient Care.
#2) Trips to the Emergency Room.
#3) Inpatient Hospital Care.
#4) Well Baby Care.
#5) Mental Health Coverage.
#6) Prescription Drug Coverage.
#7) Services if you’re Disabled.
#8) Lab Testing.
#9) Preventive Services.
#10) Pediatric, Including Dental.
EVERY HEALTH PLAN MUST HAVE:
32. AND THAT’S IT. THOSE ARE THE ESSENTIALS OF THE NEW
INDIVIDUAL HEALTH INSURANCE MARKETPLACE. THEY’RE THE
“NEED-TO-KNOWS” SO THAT YOU CAN BEGIN TO NAVIGATE
THE INDIVIDUAL HEALTH INSURANCE SEGMENT MORE EASILY.
33. TYSON J LESTER, RHU, REBC
President, Policy Advantage Insurance Services
Toll Free: (800) 617-0089
Los Angeles Area: (424) 442-0170
Email: info@policyadvantage.com
www.policyadvantage.com | CA Insurance License #0F22799
ARTICLE WRITTEN BY
34. We help individuals and businesses sort out all of the aspects of employer
health plans, and the NEW individual health insurance marketplace.
Please contact us if you have questions. We share high-value
information and look forward to working with you. Thanks for
stopping by.
Toll Free: (800) 617-0089
Los Angeles Area: (424) 442-0170
Email: info@policyadvantage.com
www.policyadvantage.com | CA Insurance License #0F22799
WE HELP INDIVIDUALS AND BUSINESSES
35. Nearly 10,000 Followers at Twitter: www.twitter.com/policyadvantage
Catch up at Facebook: www.facebook.com/policyadvantage
We’re also at Pinterest: www.pinterest.com/policyadvantage
www.policyadvantage.com
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