The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also details the essential health benefits that all plans must cover. The document guides readers through determining whether to enroll on or off the exchange marketplace and calculating subsidies. It describes the different metal-tiered plan levels (Bronze, Silver, Gold, Platinum) and their coverage amounts. Lastly, it provides contact information for RLee Insurance Solutions to assist with enrollment questions.
Seminar 9 health care delivery system in united states of americaDr. Ankit Mohapatra
Health care organization
Health financing in US
Payment mechanism
Health expenditure
Human and physical recourses
Public health
Patient pathway into health care
Provision of services
ACA
US vs India Healthcare
Disparities in Health Care: The Significance of Socioeconomic StatusAmanda Romano-Kwan
This research paper discusses the disparities in the health care system, with a specific focus on socioeconomic status and how it affects the access and availability of quality care.
Seminar 9 health care delivery system in united states of americaDr. Ankit Mohapatra
Health care organization
Health financing in US
Payment mechanism
Health expenditure
Human and physical recourses
Public health
Patient pathway into health care
Provision of services
ACA
US vs India Healthcare
Disparities in Health Care: The Significance of Socioeconomic StatusAmanda Romano-Kwan
This research paper discusses the disparities in the health care system, with a specific focus on socioeconomic status and how it affects the access and availability of quality care.
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
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.
Helping Job Hunters Navigate Their Health Insurance Optionsdpomer99
These PowerPoint slides are from a workshop I conducted at The Career Place in Woburn, Massachusetts on October 13, 2009: www.careerplacejobs.com/aboutUs.htm
De Pere Area Chamber Affordable Care Act Presentation, JP Wieski, Wisconsin OCICheryl Detrick
Presentation on the Affordable Care Act given by J.P. Wieski, Legislative Liaison/Public Information Officer from the Office of the Commissioner of Insurance, State of Wisconsin to De Pere Area Chamber of Commerce on 9/11/13.
Did you know the Tax Benefits to Private Health Insurance?Diversifi
Diversifi Pty Ltd share with you the tax benefits of private health insurance and how you could be saving money. Learn about why you should have private health and if you're eligible.
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 Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Similar to The affordable care act power point (updated) again (20)
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
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
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
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
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
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.
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
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.
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The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
2. How does the ACA improve my health
care?
•
Provides health insurance to those that were once considered „uninsurable‟ with preexiting health conditions.
•
Provides for certain protections and rights to make your coverage fairer and easier to
understand.
•
Provides for a health care Marketplace for an easier shopping experience.
•
Holds insurance companies accountable for rate increases.
•
Makes it illegal for health insurance companies to arbitrarily cancel your health
insurance.
•
Covers young adults under 26.
•
Provides free preventive care.
•
Ends lifetime and years dollar limits.
•
Guarantees your right to appeal
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
3. What will my new policy cover?
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are
services all plans must cover.
The essential health benefits include at least the following items and services:
•
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
•
Emergency services
•
Hospitalization (such as surgery)
•
Maternity and newborn care (care before and after your baby is born)
•
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and
psychotherapy)
•
Prescription drugs
•
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or
chronic conditions gain or recover mental and physical skills)
•
Laboratory services
•
Preventive and wellness services and chronic disease management
•
Pediatric services
4. OK so how do I start ?
First thing you need to figure out is are you applying “on exchange” or “off exchange”?
•
If your income is between 100% - 400% of the federal poverty level then you may qualify
for a federal subsidy, premium assistance tax credit. It was put into place to help reduce
the cost of premiums, this subsidy may only be applied to “on exchange” plans. Since
you can only use your subsidy with plans that are “on exchange” and you must enroll
through the government web site Healthcare.gov.
•
If your income is above 100% - 400% of the federal poverty level you may apply for
either “on exchange” or “off exchange” plans. If you choose to enroll in a “on exchange”
plan then you must go through the Healthcare.gov web site. Plans that are “off
exchange” may be purchased though various web sites.
•
Lastly if your income is below 100% of the poverty level you do not qualify for a subsidy
and in many cases you can enroll for Medicaid through Healthcare.gov or your State web
site. You may also choose to buy an “off exchange” plan since no subsidy is involved.
5. How to calculate my subsidy?
•
First determine how many in your
family/household.
•
Second calculate your modified
adjusted gross income(MAGI).
MAGI can also be located on:
line 4 on a form 1040EZ
line 21 on a form 1040A
line 37 on a form 1040
•
Third use a subsidy calculator to
enter these numbers and find your
subsidy.
2013 POVERTY GUIDELINES FOR THE 48
CONTIGUOUS STATES AND THE DISTRICT OF
COLUMBIA
Person in family/household
Poverty guideline
1
$11,490
2
$15,510
3
$19,530
4
$23,550
5
$27,570
6
$31,590
7
$35,610
8
$39,630
For families/household with more than 8 persons, add
$4,020 for each additional person
* The figures are the 2013 HHS poverty guidelines which are scheduled to be
published in the Federal Register on January 24, 2013. (Additional
information will be posted after the guidelines are published.)
SOURCE: Federal Register, Vol. 78, No. 16, January 24, 2013, pp. 5182-5183
6. What are Federal Cost-Sharing Subsidies?
Individuals with a household income of 100-250 percent of the federal poverty line,
who enroll in a plan through the exchange, Healthcare.gov, are eligible for a cost
sharing subsidy. Under the 2013 federal poverty guidelines, the annual income
thresholds to qualify are: $28,725 for individuals; $38,775 for couples; $48,825 for a
family of three; and $58,875 for a family of four.
Cost sharing subsidies are designed to minimize out-of-pocket costs by reducing the
amount individuals have to pay for deductibles, co-payments and co-insurance
payments. The amount of the reduction depends on the insured‟s household income.
For those with incomes between 100% and 200% of poverty, a 2/3 reduction applies.
For others, the reduction in the limit is either ½ or 1/3, depending on income. The
precise amount by which an individual‟s out of pocket maximum is reduced by this
assistance depends on what the maximum is for the plan in which they are enrolled.
•
To receive a Cost-Sharing subsidy you have to have a Silver Plan, as these are the
only eligible plans for this subsidy.
7. But which plan?
The new plans will be labeled with “metallic” names, bronze, silver,
gold, and platinum. There is also one more plan labeled “catastrophic”
but only certain folks may apply for them.
•
Each plan with have a deductible, an amount you must pay before
benefits are triggered.
•
After you have satisfied the deductible you will have to pay a co-pay,
or coinsurance, a set percentage of your bill.
•
The good news each plan does have a maximum amount listed that
you would have to pay. Should your health expenses exceed the
maximum out of packet amount your plan will generally pay all
remaining medical expenses.
8. The Plans…
Catastrophic Plans
Bronze Plans
A catastrophic plan generally requires you to pay
all of your medical costs up to a certain
amount, usually several thousand dollars. Costs
for essential health benefits over that are
generally paid by the insurance company.
Generally speaking, the Bronze Plan is
intended to have the lowest premium of the 4
new categories of plans but charge the
highest out-of-pocket costs for healthcare
services. For people without group insurance
from an employer or other group, the Bronze
plan is the minimum health insurance plan in
which they can enroll that will satisfy the
Affordable Care Act‟s mandate for people to
purchase health insurance.
These policies usually have lower premiums than
a comprehensive plan, but cover you only if you
need a lot of care. They basically protect you
from worst-case scenarios.
•
Only people under 30 may apply for them.
•
You may apply for a hardship exemption if
over 30
Plans often have high deductibles.
•
*Not a subsidy eligible plan
•
Co-pay is at the 60/40 level
9. The Plans…
Silver Plans
Gold Plans
The Silver Plans have lower out-of-pocket
costs than the Bronze Plans but higher out- ofpocket costs than both the Gold and Platinum
Plans. All Silver Plans share the same
minimum health benefits but the way they
charge out-of-pocket costs can differ
significantly.
The Gold Plan is one of the two plan types
that an insurance company must offer in
order to participate in a health insurance
exchange. A health insurance exchange is a
state marketplace for health insurance plans
meeting the ACA requirements.
•
Subsidies in your state are based on Silver
plans in your state.
•
Co-pay is at the 70/30 level
One of the issues that the government intends
to monitor is whether Gold and Platinum
plans attract more sickly enrollees and drive
up premiums.
•
These plans have the second lowest out-ofpockets of the metallic plans.
•
Co-pay is at the 80/20 level
10. The Plans…
Platinum Plans
Since the Platinum Plan has the most
generous cost-sharing for enrollees, it is
expected that these plans will typically have
the highest premiums when compared to the
Bronze, Silver, and Gold plans.
It will be important to compare premiums
among different insurance companies
offering Platinum Plans. Moreover,
deductibles and copayments will also differ
among Platinum Plans. This is perfectly
acceptable as long as the Platinum Plan
covers 90% of healthcare expenses for a
standard population.
•
Co-pay is at the 90/10 level
Most
Expensive
Platinum
Most
Coverage
Gold
Silver
Bronze
Least
Least
Catastrophic Coverage
Expensive
11. You
Which Exchange is for you?
•
First Calculate your
subsidy
•
Second choose your
exchange path
•
Calculate
Your
subsidy
Third click one of the blue
balls on the bottom to
enroll!
Of course you can visit
http://rleeinsurancesolutions.com
Or call our office 765-746-6459 for
help, we are here to help.
On
Exchange
Off
Exchange
Anthem
Humana
PHP
Healthcare
.gov
12. Our office Location
RLee Insurance Solutions
Located just off IN 26 in Lafayette
Indiana, we are easy to find with ample
parking and our facility is handicapped
accessible. Click here for easy Directions
100 Executive Dr.
Suite D
Lafayette, IN 47905
Phone: 765-746-6459
Web: http://rleeinsurancesolutions.com
Email: nativerobin@live.com