The document outlines key provisions of President Obama's health care reform plan. It proposes to:
1) Ban insurance companies from denying coverage or charging higher premiums due to pre-existing conditions.
2) Create a new health insurance marketplace ("Exchange") to provide affordable coverage options for individuals and small businesses.
3) Provide tax credits to help families and small businesses purchase insurance through the Exchange.
4) Implement delivery system reforms to improve quality and reduce health care costs over the long run, paid for through savings and new revenues.
A health insurance roadmap takes a look at some simple solutions to the complex issues facing health insurance, medicare, medicaid, long term care insurance, and the high cost of health expenses in retirement.
This will work because so much of this is already in place and a lot of the rest would be quick and easy to implement. As in all areas, knowledge is power. Consumers can take control of your insurance portfolio by becoming educated about insurance. Better education and understanding will lead to positive results for consumers and for the insurance industry.
On Friday, August 6, 2010, BenefitMall hosted a Healthcare Reform Webinar. During the presentation, Sharon Alt covered Medical Loss Ratio, Dependant Coverage and Grandfathered Plans.
ACA: A Step Toward Healthcare For All (Dr. John Cavacece, DO)Zach Jarou
Presented to the American Medical Student Association (www.AMSA.org) at Michigan State University's College of Human Medicine (MSU CHM) on Tuesday, March 20, 2012
This presentation highlights the changes required of small businesses to maintain compliance with Health Care Reform regulations. Cathy Harbison, director of operations for employee benefits at Neace Lukens, served as the expert speaker to explain upcoming changes for 2011 – 2014, and the implications for businesses with less than 50 employees.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
This document will explain how a comprehensive wellness program works and how much money you should budget in order to have one. If you are ready to kick start health in your organization this is the right place to start.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
for more information visit http://www.hisonc.com/obamacare-north-carolina/
A health insurance roadmap takes a look at some simple solutions to the complex issues facing health insurance, medicare, medicaid, long term care insurance, and the high cost of health expenses in retirement.
This will work because so much of this is already in place and a lot of the rest would be quick and easy to implement. As in all areas, knowledge is power. Consumers can take control of your insurance portfolio by becoming educated about insurance. Better education and understanding will lead to positive results for consumers and for the insurance industry.
On Friday, August 6, 2010, BenefitMall hosted a Healthcare Reform Webinar. During the presentation, Sharon Alt covered Medical Loss Ratio, Dependant Coverage and Grandfathered Plans.
ACA: A Step Toward Healthcare For All (Dr. John Cavacece, DO)Zach Jarou
Presented to the American Medical Student Association (www.AMSA.org) at Michigan State University's College of Human Medicine (MSU CHM) on Tuesday, March 20, 2012
This presentation highlights the changes required of small businesses to maintain compliance with Health Care Reform regulations. Cathy Harbison, director of operations for employee benefits at Neace Lukens, served as the expert speaker to explain upcoming changes for 2011 – 2014, and the implications for businesses with less than 50 employees.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
This document will explain how a comprehensive wellness program works and how much money you should budget in order to have one. If you are ready to kick start health in your organization this is the right place to start.
Although the Affordable Care Act has benefited the health insurance consumer in many respects, it has also added to the confusion. This presentation, Given by Wanda Stephens in Raleigh, North Carolina, details some of the many facets to Obamacare in NC.
for more information visit http://www.hisonc.com/obamacare-north-carolina/
hCentive Health Insurance Exchange PlatformAlisha North
Take advantage of hCentive's deep expertise in the healthcare insurance industry. Browse through or download our white papers to get an in-depth understanding of the industry.
The Patient Protection and Affordable Care Act De.docxoreo10
The Patient Protection and Affordable Care Act
Detailed Summary
The Patient Protection and Affordable Care Act will ensure that all Americans have access to quality,
affordable health care and will create the transformation within the health care system necessary to
contain costs. The Congressional Budget Office (CBO) has determined that the Patient Protection and
Affordable Care Act is fully paid for, will provide coverage to more than 94% of Americans while
staying under the $900 billion limit that President Obama established, bending the health care cost
curve, and reducing the deficit over the next ten years and beyond.
The Patient Protection and Affordable Care Act contains nine titles, each addressing an essential
component of reform:
Quality, affordable health care for all Americans
The role of public programs
Improving the quality and efficiency of health care
Prevention of chronic disease and improving public health
Health care workforce
Transparency and program integrity
Improving access to innovative medical therapies
Community living assistance services and supports
Revenue provisions
Title I. Quality, Affordable Health Care for All Americans
The Patient Protection and Affordable Care Act will accomplish a fundamental transformation of
health insurance in the United States through shared responsibility. Systemic insurance market reform
will eliminate discriminatory practices such as pre-existing condition exclusions. Achieving these
reforms without increasing health insurance premiums will mean that all Americans must be part of the
system and must have coverage. Tax credits for individuals and families will ensure that insurance is
affordable for everyone. These three elements are the essential links to achieve reform.
Immediate Improvements: Achieving health insurance reform will take some time to implement. In
the immediate reforms will be implemented in 2010. The Patient Protection and Affordable Care Act
will:
Eliminate lifetime and unreasonable annual limits on benefits
Prohibit rescissions of health insurance policies
Provide assistance for those who are uninsured because of a pre-existing condition
Require coverage of preventive services and immunizations
Extend dependant coverage up to age 26
Develop uniform coverage documents so consumers can make apples-to-apples comparisons
when shopping for health insurance
Cap insurance company non-medical, administrative expenditures
2
Ensure consumers have access to an effective appeals process and provide consumer a place to
turn for assistance navigating the appeals process and accessing their coverage
Create a temporary re-insurance program to support coverage for early retirees
Establish an internet portal to assist Americans in identifying coverage options
Facilitate administrative simplification to lower health system costs
Heal ...
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Navigating Health Insurance in the Health Care Reform Era lkennon
A presentation for large employers, small employers and individuals without employer-based insurance. The slides present the current state of health insurance for each group and the impending changes of Health Care Reform and their potential effects.
Agenda Comparison GridIdentify the Population Heal.docxmadlynplamondon
: Agenda Comparison Grid
Identify the Population Health concern you selected.
Health care cost
Describe the Population Health concern you selected and the factors that contribute to it.
Middle class to low income American
This population was chosen as it is the most affected by health care costs in todays society
Administration (President Name)
Donald Trump
Barrack Obama
George W. Bush
Describe the administrative agenda focus related to this issue for the current and two previous presidents.
· He promises replace Obama care allowing the consumer to have insurers fighting for their business making it more affordable for the middle class to low income family
· Eliminate insurance fees for the consumer who does not have a health insurance policy
· Eliminated the payments made to the insurers that made it more likely for them to be involved hit the health market
· He allowed short term plans to be available for people up to three years.
· He is making price transparency easier for the consumer to understand, which drives down the cost and drives up the quality of service provided
· Prescription drug prices are dropping making them more affordable.
· Requires hospitals to make their prices available online so the consumer can shop around
· Forcing insurance providers to must provide cost estimates to the public to give them an idea of what they will be paying out of pocket
· He promised to make affordable health care a right for the consumer but not a privilege.
· Allowed children until the age of 26 to be covered by their parent’s insurance
· Prohibited the cancellation of policies for people with costly illnesses
· Established a health insurance marketplace
· Required all Americans who could afford insurance to purchase it which he expected to drive the cost of insurance down
· Expanded community health centers and provided incentives for primary care doctors to practice in communities in need
· Covered HIV testing and treatment
· Established finical assistance for those who cannot afford insurance without it.
· Gave tax credits to small business owners who provided insurance to their staff.
· Had payments from Medicare patients linked to quality of care
· Eliminated coverage denials due to pre-existing conditions
· He promised to expand coverage, improve cost, and improve quality of care.
· Created the tax-free Health Savings Account (HSA) which eliminated out of pocket tax payments for health care items for the consumer
· Made the price transparent to the consumer allowing them to know what they paid and what the insurance paid to the doctor
· He established or expanded over 1200 community centers in poverty areas.
· Increased the NIH funding to allow for more research which led to the creation of the HPV vaccine
· Helped displaced workers by expanding the Trade Adjustment a.
Understanding the ObamaCare North Carolina Health Insurance Plans
As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with an effective date January 1, 2014 or after:Individuals cannot be declined for health insurance or charged more due to their health status or gender.
Insurance premiums are based on age, your zip code and tobacco usage.
Coverage limitations or exclusions based on pre-existing conditions are not allowed.
Elimination of annual and lifetime coverage limits.
Prohibition of declining an individual for coverage based on their participation in an approved clinical trial.
Maternity and mental health are included on all policies.
Preventative dental is covered with a $25 copay for members up to age 19. There is also some vision coverage for this age group.
Whether or not your children are students they can stay on your policy until age 26.
Introduction of the Medical Loss Ratio (MLR) which ensures that 80% of the premium dollars paid to the health insurance issuer are spend on providing health care. An insurance company that does not do this must provide rebates to their policyholders
http://www.hisonc.com/obamacare-north-carolina
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.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@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.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Scope Of Macroeconomics introduction and basic theories
Obama.Plan
1. The Obama Plan: Stability & Security for all
Americans
If You Have Health Insurance
More Stability and Security
• Ends discrimination against people with pre-existing conditions. Over the last
three years, 12 million people were denied coverage directly or indirectly through
high premiums due to a pre-existing condition. Under the President’s plan, it will
be against the law for insurance companies to deny coverage for health reasons or
risks.
• Limits premium discrimination based on gender and age. The President’s plan
will end insurers’ practice of charging different premiums or denying coverage
based on gender, and will limit premium variation based on age.
• Prevents insurance companies from dropping coverage when people are sick
and need it most. The President’s plan prohibits insurance companies from
rescinding coverage that has already been purchased except in cases of fraud. In
most states, insurance companies can cancel a policy if any medical condition was
not listed on the application – even one not related to a current illness or one the
patient didn’t even know about. A recent Congressional investigation found that
over five years, three large insurance companies cancelled coverage for 20,000
people, saving them from paying $300 million in medical claims - $300 million
that became either an obligation for the patient’s family or bad debt for doctors
and hospitals.
• Caps out-of pocket expenses so people don’t go broke when they get sick.
The President’s plan will cap out-of-pocket expenses and will prohibit insurance
companies from imposing annual or lifetime caps on benefit payments. A middle-
class family purchasing health insurance directly from the individual insurance
market today could spend up to 50 percent of household income on health care
costs because there is no limit on out-of-pocket expenses.
• Eliminates extra charges for preventive care like mammograms, flu shots
and diabetes tests to improve health and save money. The President’s plan
ensures that all Americans have access to free preventive services under their
health insurance plans. Too many Americans forgo needed preventive care, in
part because of the cost of check-ups and screenings that can identify health
problems early when they can be most effectively treated. For example, 24
percent of women age 40 and over have not received a mammogram in the past
two years, and 38 percent of adults age 50 and over have never had a colon cancer
screening.
• Protects Medicare for seniors. The President’s plan will extend new protections
for Medicare beneficiaries that improve quality, coordinate care and reduce
2. beneficiary and program costs. These protections will extend the life of the
Medicare Trust Fund to pay for care for future generations.
• Eliminates the "donut-hole" gap in coverage for prescription drugs. The
President’s plan begins immediately to close the Medicare "donut hole" - a
current gap in its drug benefit - by providing a 50 percent discount on brand-name
prescription drugs for seniors who fall into it. In 2007, over 8 million seniors hit
this coverage gap in the standard Medicare drug benefit. By 2019, the President’s
plan will completely close the "donut hole". The average out-of-pocket spending
for such beneficiaries who lack another source of insurance is $4,080.
If You Don't Have Insurance
Quality, Affordable Choices for All Americans
• Creates a new insurance marketplace – the Exchange – that allows people
without insurance and small businesses to compare plans and buy insurance
at competitive prices. The President’s plan allows Americans who have health
insurance and like it to keep it. But for those who lose their jobs, change jobs or
move, new high quality, affordable options will be available in the exchange.
Beginning in 2013, the Exchange will give Americans without access to
affordable insurance on the job, and small businesses one-stop shopping for
insurance where they can easily compare options based on price, benefits, and
quality.
• Provides new tax credits to help people buy insurance. The President’s plan
will provide new tax credits on a sliding scale to individuals and families that will
limit how much of their income can be spent on premiums. There will also be
greater protection for cost-sharing for out-of-pocket expenses.
• Provides small businesses tax credits and affordable options for covering
employees. The President’s plan will also provide small businesses with tax
credits to offset costs of providing coverage for their workers. Small businesses
who for too long have faced higher prices than larger businesses, will now be
eligible to enter the exchange so that they have lower costs and more choices for
covering their workers.
• Offers a public health insurance option to provide the uninsured and those
who can’t find affordable coverage with a real choice. The President believes
this option will promote competition, hold insurance companies accountable and
assure affordable choices. It is completely voluntary. The President believes the
public option must operate like any private insurance company – it must be self-
sufficient and rely on the premiums it collects.
• Immediately offers new, low-cost coverage through a national "high risk"
pool to protect people with preexisting conditions from financial ruin until
the new Exchange is created. For those Americans who cannot get insurance
coverage today because of a pre-existing condition, the President’s plan will
immediately make available coverage without a mark-up due to their health
condition. This policy will offer protection against financial ruin until a wider
array of choices become available in the new exchange in 2013.
3. For All Americans
Reins In the Cost of Health Care for Our Families, Our Businesses, and
Our Government
• Won’t add a dime to the deficit and is paid for upfront. The President’s plan
will not add one dime to the deficit today or in the future and is paid for in a
fiscally responsible way. It begins the process of reforming the health care
system so that we can further curb health care cost growth over the long term, and
invests in quality improvements, consumer protections, prevention, and premium
assistance. The plan fully pays for this investment through health system savings
and new revenue including a fee on insurance companies that sell very expensive
plans.
• Requires additional cuts if savings are not realized. Under the plan, if the
savings promised at the time of enactment don’t materialize, the President will be
required to put forth additional savings to ensure that the plan does not add to the
deficit.
• Implements a number of delivery system reforms that begin to rein in health
care costs and align incentives for hospitals, physicians, and others to
improve quality. The President’s plan includes proposals that will improve the
way care is delivered to emphasize quality over quantity, including: incentives
for hospitals to prevent avoidable readmissions, pilots for new "bundled"
payments in Medicare, and support for new models of delivering care through
medical homes and accountable care organizations that focus on a coordinated
approach to care and outcomes.
• Creates an independent commission of doctors and medical experts to
identify waste, fraud and abuse in the health care system. The President’s
plan will create an independent Commission, made up of doctors and medical
experts, to make recommendations to Congress each year on how to promote
greater efficiency and higher quality in Medicare. The Commission will not be
authorized to propose or implement Medicare changes that ration care or affect
benefits, eligibility or beneficiary access to care. It will ensure that your tax
dollars go directly to caring for seniors.
• Orders immediate medical malpractice reform projects that could help
doctors focus on putting their patients first, not on practicing defensive
medicine. The President’s plan instructs the Secretary of Health and Human
Services to move forward on awarding medical malpractice demonstration grants
to states funded by the Agency for Healthcare Research and Quality as soon as
possible.
• Requires large employers to cover their employees and individuals who can
afford it to buy insurance so everyone shares in the responsibility of reform.
Under the President’s plan, large businesses – those with more than 50 workers –
will be required to offer their workers coverage or pay a fee to help cover the cost
of making coverage affordable in the exchange. This will ensure that workers in
firms not offering coverage will have affordable coverage options for themselves
and their families. Individuals who can afford it will have a responsibility to
4. purchase coverage – but there will be a "hardship exemption" for those who
cannot.