Damn Gorgeous daily blog: Hulyo 2012

Lunes, Hulyo 30, 2012

Hearing Aid Insurance: Coverage for a Necessity

http://insureme.us/hearing-aid-insurance-coverage-necessity/

Most of us take for granted the gift of hearing. Most people who need it cannot afford the high cost of surgery, as well as hearing aids. Although an array of options for hearing aids are available in the market right now, there are those whose hearing impairment requires them to have the more advanced (thereby more expensive) ones. Some have resulted to searching for used hearing aids over the Internet, at their own risk. Some, due to the progressive loss of hearing, may also need to upgrade their hearing aids once every 2 years, causing for them to spend from a thousand dollars to four thousand dollars, to replace the one they currently have. It is a very fragile device as well: it is not water resistant, and can break easily if stepped on. Even the natural wax or ear drainage of our ears can destroy it. Imagine having to replace these things using money from your own pocket in the case of any damage or loss. It is going to cripple the person in need of the hearing aid.

Who uses my credit report?

http://www.freeannualcreditreportnow.com/purpose-of-credit-reports/

Credit reports are used by creditors, lenders, insurers, employers, courts, landlords, cell phone companies, and utility companies. Under “permissible purpose” laws these businesses have legal access to your credit files for the purpose of evaluating your finances and determining your rates. In most cases, your authorization is required before they can request your data.

State Plan Amendment

http://www.medicaidpatients.com/medicaid-mental-health-services/

The State Plan Home and Community Based Amendment allows clients to obtain home and community based services through the State plan instead of a waiver. Iowa was actually the first State to receive approval to add 1915 (i) service to its State plan. It was effective on January 1, 2007. Iowa’s State Plan includes statewide Case Management Services and Habilitation Services. The Habilitation Services include home-based Habilitation, Day Habilitation, Prevocational Habilitation and supported employment.

Biyernes, Hulyo 27, 2012

Health Insurance: Common Myths and Misconceptions

http://insureme.us/health-insurance-common-myths-misconceptions/

Common Myths and Misconceptions - The subject of health insurance can be both simple and complex at the same time. One of these common misconceptions is the idea that people who are sick need to pay a large sum of money just to get an insurance policy. While it is true that sick people often pay more money to cover their illness, insurance companies base their premiums on risk and not on events. Simply put, insurance is based on events that are yet to happen. Sick people are also interested more on health care itself rather than health insurance, and insurance companies do not offer health care, they sell health insurance. Because of this, health insurance companies sometimes refuse to cover sick people.

Objective of SDMI Waiver is recovery and rehabilitation

http://www.medicaidpatients.com/medicaid-mental-health-services/

The main objective of SDMI Waiver is recovery and rehabilitation. The client is also encouraged to accept personal responsibilities for services and preferred outcome. The State will also ensure that the Home and Community Based services are capable of effectively serving clients with SDMI Waiver.

How can I get information off my report?

http://www.freeannualcreditreportnow.com/purpose-of-credit-reports/

You can remove inaccurate, fraudulent, or expired information from your credit report by submitting a dispute request to the credit bureau. You’ll need to submit a separate letter for each credit bureau. The credit bureaus have 30 days to investigate your dispute. If they can confirm that the information is inaccurate, they’ll remove it and send you a letter with an updated report. If they can’t confirm the correction, they’ll send you a letter of explanation. Accurate information cannot be removed from your credit report before its set expiration date.

Huwebes, Hulyo 26, 2012

Health insurance scams

Health Insurance Scams

http://insureme.us/health-insurance-scams/

The recent economic downturn, rising unemployment rates and skyrocketing health coverage premiums have set the stage for unscrupulous individuals and companies. They prey on the helpless, despairing, ‘pushed-to-the-limit’ populace and the results are depressing at the least and catastrophic in the extreme for others. Add to that, since the approval of health care reform bill, bogus health insurance companies have sprouted left and right luring desperate individuals and small business owners with advertisements and marketing campaigns that seem too good to be true. And most of the time, they are.

Reimbursement from Medicaid

http://www.medicaidpatients.com/medicaid-reimbursement/

In order to get reimbursement from Medicaid, the medical provider must submit a claim form that states the kind of treatment or procedure or service that was provided to the insured. There is a service code for each specific type of service. The service rendered must be billed with the appropriate service code. The service code was provided by Healthcare Common Procedure Coding system. If uncertain about the service code for a specific type of service, it is best to consult with Medicaid.

How to manage your credit

http://www.freeannualcreditreportnow.com/

The most important thing you can do to keep your credit healthy is to check your credit report every 6-12 months. Regular credit checks help you to spot inaccuracies and signs of identity theft before they cause major financial damage. Keeping your credit reports healthy and positive can help you save thousands on life’s big purchases.

Miyerkules, Hulyo 25, 2012

Taking your insurance agent’s word without question

http://insureme.us/health-insurance-mistakes-avoid/

The truth is honest, compassionate insurance agents do exist. There are those who are truly concerned for your well-being. But the reality is your insurance agent is not your best friend. They are salespersons first and foremost, and they get paid on commission. Some may even offer you an insurance policy that might not give you your required health benefits just so they meet their quota. Additionally, it wouldn’t hurt to check whether the agent is licensed with the Insurance Regulatory and Development Authority or not.

Medicaid Reimbursement

http://www.medicaidpatients.com/medicaid-reimbursement/

Medicaid reimbursement varies from state-to-state. Each state has their reimbursement rate for medical services provided under Medicaid. Providers must be willing to accept the reimbursement rate set by Medicaid. They cannot charge the patient with additional fees outside of the reimbursement rate.

Although issues about Medicaid reimbursement are typically addressed to the medical provider, the insured should at least have the basic knowledge of how this works so that there will be no surprises when they seek medical attention.

What does a credit report include?

http://www.freeannualcreditreportnow.com/

Credit reports include your name, current and former address, employment, credit and loan histories, inquiries, collection records and public records such as bankruptcy filings and tax liens. Each of your credit card and loan records shows your payment history going back 7 years along with other account details such as your credit limit.

Martes, Hulyo 24, 2012

Health Insurance Mistakes to Avoid

http://insureme.us/health-insurance-mistakes-avoid/

Skimping on health insurance coverage. This may save you money now, but when the time comes and you’ll need medical attention, you may find that it will cost you more. Those plans may seem attractive for sure due to the low premiums and deductibles, but a maximum benefit of $100,000 will not go very far and may well leave you paying thousands of dollars in out-of-pocket expenses.

Medicaid Preferred Drug List

http://www.medicaidpatients.com/medicaid-preferred-drug-list/

As Medicaid has a Preferred Drug List, patients must also be aware on how to use the PDL. A printout of the modified Medicaid Preferred Drug List must be available every appointment with your health provider. Request the physician to authorize a generic drug alternative, since all generics are believed to be a preferred medication. Buying generic drugs saves you money for its lower cost of your copayment for up to 30-day supply. If there are other medicine brands other than what is prescribed for your medical term, the doctor must be requested to prescribe drug that is on the Medicaid Preferred Drug List; it will also trim down the co-pays as well.

How can I get information off my report?

www.freeannualcreditreportnow.com

Lunes, Hulyo 23, 2012

Health Insurance for Seeing Impaired

http://insureme.us/health-insurance-impaired/

Health Insurance has a lot of form and use. It is good to know that there’s also health insurance available for individuals with disabilities. There are different options of health insurance coverage available for seeing impaired adults and children. As always, there are factors to consider in order to get the best health insurance for this specific case. The factors that determine the best insurance coverage are: state of residence, age, income, and onset of blindness and family condition.

Pharmaceutical and Therapeutics (P&T) Committee

http://www.medicaidpatients.com/medicaid-preferred-drug-list/

The Pharmaceutical and Therapeutics (P&T) Committee prepares the proposals for the preferred drugs lists followed by Health and Human Services Commission. Medicaid provides a list of medications in various therapeutic classes for use in meeting the prescription medication needs of patients who are members. Each state has its own Medicaid Preferred Drug List. This list is meant for use with health plans and associated pharmaceutical companies. The Medicaid Clinical Drug Review Program monitors the prescribing protocols to guard long-term efficacy of a drug.

Identity Theft Protection Services

http://www.freeannualcreditreportnow.com/

Most identity theft protection services are a sham... Your best bet is to make all of your online purchases with a card that has purchase protection, meaning that you aren't liable for any fraudulent purchases made with your card. To protect yourself from offline identity theft it's probably a good idea to buy a shredder. There are actually a few good plugins for Firefox and Google Chrome that will alert you when you are entering any personal information on a site that is unsecured and unprotected.

Linggo, Hulyo 22, 2012

Health Insurance for Children

http://insureme.us/health-insurance-children/

The State Children’s Health Insurance Program, or later more simply known as Children’s Health Insurance Program (CHIP) was created in 1997 to insure children in families with modest income, too high to qualify for Medicaid, and too little to afford private insurance. This is the largest taxpayer-funded health insurance in the United States since Medicaid had started in the 1960s. States are given the flexibility to design the eligibility requirements under broad federal guidelines. Even the benefit design is also very flexible, according to what each state may need, but must be according to some set standards.

The Vendor Drug Program

http://www.medicaidpatients.com/medicaid-preferred-drug-list/

In 2004, The Vendor Drug Program enforced the Medicaid Preferred Drug List (PDL). Medical products that are presently available to Medicaid members will remain to be accessible. The –preferred drugs list is a list of cost-effective medications covered by your prescription drug plan. It can be given minus the previous authorization, while non-preferred drugs will expect to present an original authorization. Validity of the prior authorization is lasted only for a year and it can only be asked by the prescribing physician or an authorized staff of the physician.

Equifax's Main Clientele

http://www.freeannualcreditreportnow.com/

Equifax's main clientele consists of banks and credit card companies, but its customers have become more diverse largely due to the rise of identity theft, fraud and more thorough background checks. For example, small businesses, insurance providers, a number of government groups and retailers use Equifax's services to conduct background checks on potential employees, check payment histories and validate the credit of a business. Equifax also caters to individual clients who wish to have access to their credit reports or scores. In recent years, individual clients have been generating more business for EFX.

Biyernes, Hulyo 20, 2012

Health Insurance Claim Denied: What to do Next?

http://insureme.us/health-insurance-claim-denied-next/

Denial of health insurance claims can be defined by many reasons. Don’t fret! Knowing that many people share this experience should come as good news. Some of which can be as simple as not having the proper documentations or missing data, to billing and coding error, while others may find themselves in a much more complicated predicament. There are a lot of places that you can read on to prepare you for something like this. If you are reading this however, then chances are you have the same problem a lot of people nowadays have which is getting denied a health insurance claim.

Information Services - Equifax

http://www.freeannualcreditreportnow.com/

Information Services includes credit reports, credit scores and other related information. Banks, retailers and other lenders buy credit reports to help determine an applicant's(individual or business) eligibility for a loan, offer credit and other business-to-business and business-to-consumer decisions. Credit scores are mathematically based on Equifax credit reports and represent the likelihood that a person will pay his or her debt. Credit scores are important because lenders use credit scores to determine the risk of lending to a particular person or entity, what loans he qualifies for, and at which interest rates.

A pharmacist needs to screen or to do the Drug Utilization Review (DUR) http://www.medicaidpatients.com/medicaid-prescription-refill-rules/

A pharmacist needs to screen or to do the Drug Utilization Review (DUR)

http://www.medicaidpatients.com/medicaid-prescription-refill-rules/

A pharmacist is authorized is by the state law to obtain information about the patient medication record before refilling the prescription. Some states allow pharmacy interns to do the same as to pharmacist receiving and refilling jobs. The pharmacist needs to screen or to do the Drug Utilization Review (DUR). In this process, the pharmacist will require you to supply some basic health information like gender, age, or date of birth, allergies, drug reactions and chronic conditions. They are also responsible for the validity of the information presented to them may it be through telephone call or facsimile copy of the prescription refill authorities form or renewals. The refill you can get depends on the quantity of medication written on the prescription. The physician can decide to give you a larger quantity of prescription drug if it is appropriate in your medical condition. Exercising clinical judgment by pharmacists in filling prescription drug is expected.

Huwebes, Hulyo 19, 2012

Health Care for the Elderly

http://insureme.us/health-care-elderly/

In 2011, over 78 million will turn 65 years old, the age where health care starts to get really critical. The population that comprises this bracket is being taken care of by people. The population that comprises this bracket is being taken care of by about 48 million men and women, who do not receive the proper support they should be receiving as well. Truth is, there are not much doctors who specialize in the field of geriatrics, or the caring for the elderly. In addition to that sad fact, informal caregivers in the form of family and friends are now constantly rising, since rates of home care are exasperatingly high. These people, who do take care of their old parents or relatives, are also breadwinners in their own right. They use up their own savings to sustain the medical attention, or even cut back on their own insurance expense to be able to shoulder the insurance of their elderly.

Medicaid Prescription Refill Rules

http://www.medicaidpatients.com/medicaid-prescription-refill-rules/

Medicaid is a health service provider that is funded by the federal government and the state. It includes medical and health related programs for qualified Americans. But not all states provide prescription drug coverage. Only thirty-three states and the District of Columbia render this coverage for all Medicaid members. In those states, refilling for prescription drug varies. Medicaid has established rules for medical practitioners, including doctors and pharmacists, and Medicaid beneficiaries ought to be aware of the restrictions on RX and should never tamper with prescriptions. This will prevent fraud, and can eliminate waste and mix-up while in Medicaid transaction.

Expenses

http://www.freeannualcreditreportnow.com/

Many people don't have a clue where their money goes. If you consider filing for bankruptcy, or even if you just want to figure out why your debt increases every month, prepare a listing of expenses. I HIGHLY recommend Quicken for budgeting. Give realistic estimates. If your expenses add up to more than the income you have listed, or less than your income and you want to file for bankruptcy, be prepared to explain. Many people are CHARGING expenses to credit cards, so that's usually easy to explain. Of course many of the expenses are variable, and if you drive an old car, you DO have substantial maintenance costs. If you don't have health insurance, you need to budget for medical expenses, etc.

Miyerkules, Hulyo 18, 2012

Guaranteed Issue Health Insurance

http://insureme.us/guaranteed-issue-health-insurance/

Guaranteed Issue Health Insurance provides comprehensive insurance coverage for the individual who has a pre-existing medical condition and is not eligible to get the standard medical insurance coverage. If you are suffering from heart disease, AIDS, diabetes or cancer, then Guaranteed Issue Health Insurance policy is worth looking into. A person can enroll in a Guaranteed Issue Health Plan regardless of age or gender. According to the guidelines of Guaranteed Issue Health, a health insurance provider must provide coverage for anyone who applies for a policy. Health insurance providers cannot reject anyone who applies just because he or she is in poor health condition.

Department of Health and Human SApplying for CHIP Coverage - Department of Health and Human Services Officeervices Office

Applying for CHIP Coverage - Department of Health and Human Services Office

http://www.medicaidpatients.com/medicaid-and-children%E2%80%99s-health-insurance-program/

You may ask for a copy of an application form from your state’s Department of Health and Human Services office and fill it up. Then you may submit the form personally or mail or fax.

Whichever mode of application you use, make sure that you fill up the required fields appropriately and truthfully. Also make sure that you read each instruction carefully, and provide the necessary documentation required to facilitate your application. These may include social security cards for parents and legal guardians and the child who is being applied for, the child’s birth certificate, proof of residence and proof of income, etc.

Downside to Being an Authorized User

http://www.freeannualcreditreportnow.com/

If you're an authorized user and the primary account holder defaults on the account, goes into collections or declares bankruptcy, expect to see a hit to your credit score. This once helpful credit history will become a derogatory mark on your credit report and it can be a real pain to get the credit bureaus and card issuers to remove the account, even though you aren't responsible for the debt.

Martes, Hulyo 17, 2012

Group Health Insurance: Pros and Cons

http://insureme.us/group-health-insurance-pros-cons/

Group Health Insurance is defined as health insurance that covers all eligible people in a group regardless of their age or physical condition. In the United States, employers have mostly been the provider of group health insurance, hence the concepts of employer-based insurance and group insurance have been greatly associated. This is not, however, limited to employers, but also extends to other types of organizations, social and civic groups, and the government as well.

Group Insurance can be granted to a group of as little as two and up to a hundred people. In this group, insurance premiums depend on a couple of factors. The first would be how much medical services cost in a certain location, and the second would be the projected utilization of the services. They base this projection on the age, sex, and medical history. As customary, those with higher risk would need to pay a higher premium.

Applying for CHIP Coverage - Online

http://www.medicaidpatients.com/medicaid-and-children%E2%80%99s-health-insurance-program/

You can search online for the CHIP program in your state, and depending on the state where you live, the website may have the facility to generate a form for you to fill up after registering with your unique user name and password and send it in right then and there, or just ask you to download an application form which you will then need to fill up and subsequently mail or fax.

Why is my Equifax score different from my Experian and TransUnion credit scores?

http://www.freeannualcreditreportnow.com/

Your credit score from each credit reporting agency is based on the information in your credit file at the credit reporting agency, and the credit history information each credit reporting agency has about you can differ. This can result in your score at the other credit reporting agencies being different from your Equifax score. Each of the credit reporting agencies, including Equifax, may use their own scoring models. These models may evaluate your credit file differently.

Lunes, Hulyo 16, 2012

Group Coverage Versus Individual Coverage

http://insureme.us/group-coverage-individual-coverage/

Whenever we go to markets or outlet stores or bazaars, it is always cheaper to buy things in bulk. It is like the more things you purchase, the bigger the discount you will get. As the term individual implies, this type of insurance provides single coverage for an individual or family. This also applies to those who are not insured under an employer. Even those with company or employee group coverage still opt to sign up for individual coverage in anticipation of the time that their group insurance runs out. Insurers of individual coverage normally expect policyholders to turn in premium payments on a monthly basis. How much you pay for a premium depends on your coverage and the insurer you chose to sign up with. Sometimes, the insured party still needs to make additional payments apart from their monthly insurance premium in the event that a medical treatment required is not covered by the policy. Group Coverage, on the other hand, refers to the insurance policy that employees get from their company. Specialized group of individuals such as freelancers can also avail of insurance through group coverage.

Permissible Purpose

http://www.freeannualcreditreportnow.com/

Generally, anyone with whom Equifax has established a business relationship and who has what is considered a “permissible purpose” under the Fair Credit Reporting Act (FCRA) can obtain a copy of your Equifax credit report. A permissible purpose includes: employment, insurance, consideration of an application for a loan or an offer of credit, and collection of a debt.The companies, groups, and individuals that may have permissible purpose include:

Potential lenders
Landlords
Insurance companies
Employers and potential employers (with your written consent)
Companies you allow to monitor your credit file activity, including for potential signs of identity theft
Those considering your application for a government license or benefit
A state or local child support enforcement agency
Collection agencies
Anyone who has established a business relationship with Equifax and has your written authorization to obtain your credit report.

Your Equifax credit file can also be provided to a third party pursuant to the requirements of a court order or other legal procedure.

Costs - Medicaid and Children’s Health Insurance Program

http://www.medicaidpatients.com/medicaid-and-children%E2%80%99s-health-insurance-program/

Health coverage through CHIP is designed to be inexpensive. Generally, some services are offered at no cost to families, such as routine check-ups. However, certain services may require co-payments, while other states charge a minimum monthly premium. These costs differ in each state but cannot exceed more than 5% of a family’s monthly income.

Biyernes, Hulyo 13, 2012

Getting Dental Insurance Online

http://insureme.us/dental-insurance-online/

In this age of technology advancement getting what you want or what you need is just within your grasp- literally. The Internet has made it possible to purchase almost anything. One of the many industries that took advantage of this is the Dental Insurance industry. You can sign up for insurance policy online and still get the same benefit and service just like those who are obtaining it through a sales representative or over the telephone. Buying your dental insurance online also means you don’t need to leave your home to go around and scout for the best dental insurance for you. You not only save money but time and effort as well. You also enjoy the accessibility of having more choices since almost all of the dental insurance networks are online.

Medicaid and Children’s Health Insurance Program

http://www.medicaidpatients.com/medicaid-and-children%E2%80%99s-health-insurance-program/

Children’s Medicaid is health coverage provided to those who belong in families who have low income and limited resources. It is offered at no cost to children of families who qualify but unfortunately, there are families left in limbo due to the program’s strict income guidelines. The Children’s Health Insurance Program or CHIP was designed to catch these families who are falling through the cracks.

Only Genuine Authorized Users Benefit

http://www.freeannualcreditreportnow.com/

There are two reasons your relationship to the primary account holder matters in terms of your credit building. In the past, companies offered "piggybacking" services, allowing people to pay money to be added as an authorized user to an established credit account with good history to boost their own credit score. In September 2007, FICO took away this piggyback privilege to prevent people from abusing the system. After enough people complained that this was unfair to legitimate authorized users, FICO amended their scoring model to account for genuine authorized users. Basically, if you are a genuine authorized user, such as a spouse or child, you will see a benefit from this shared credit.

Huwebes, Hulyo 12, 2012

Full Coverage Dental Insurance

http://insureme.us/full-coverage-dental-insurance/

There’s no question, oral health is important. Equally important is the issue of an individual availing of dental insurance, especially with the rising cost of keeping your teeth and gums healthy. One type of dental insurance that most people find beneficial is full coverage dental insurance.

Transportation Provider for Medicaid

http://www.medicaidpatients.com/how-to-become-a-transportation-provider-for-medicaid/

Generally, for a person to become a transportation provider for Medicaid, one has to be at least 19 years of age, with a clean driving record. A record of DUIs, numerous accidents, and traffic tickets may disqualify an aspiring transportation provider. Additionally, certain offenses such as felonies and drug convictions and child molestation will also disqualify an applicant. If you are hiring other people to drive your vehicle/s, make sure that they are eligible under the guidelines set forth by your state’s Medicaid office for drivers.

Building a Credit History as an Authorized User

http://www.freeannualcreditreportnow.com/

Building a good credit history plays an important role in life, giving you access to more affordable car loans and home loans. A good credit score also allows you to finance other large purchases in life or give you a safety net for emergencies. Whether you're just beginning to obtain credit or want a way to improve your credit score, you may be curious if you can build your credit history as an authorized user on someone's account.

Martes, Hulyo 10, 2012

Free Charitable or Low-Cost Dental Care Options for Uninsured or Low Income People

http://insureme.us/free-charitable-low-cost-dental-care-options-uninsured-income-people/

Disregarding the care of your teeth and gums can have severe consequences in the long run. Studies show that there is a direct link between the bacteria that cause gum disease and heart disease. There are a number of options available to you should you find yourself in need of dental care and unable to afford the cost. The time that you take to make inquiries regarding free or low cost dental care in your community or state will only benefit you.

Contact your local or state dental society to find out what, if any, kind of programs are available in your area. Assistance programs will vary from state to state.

Another alternative you can explore are dental school clinics, dental hygiene schools. These schools often sponsor public clinics where student dentists and hygienists carry out actual dental work, under the supervision of their instructors or experienced dentists, at low cost. Low-income patients may be able to receive low-cost or free dental care from these clinics. However, student clinics don’t offer a complete range of services. Make sure to call beforehand to ascertain what kind of work they are able to do.

Non-emergency medical transportation

http://www.medicaidpatients.com/how-to-become-a-transportation-provider-for-medicaid/

Non-emergency medical transportation refers to the transport of persons, usually the elderly and the disabled, who are not in a critical or emergency situation to and from their medical appointments. Vehicles used for this kind of transportation business would typically need to be equipped to transport persons in wheelchairs, stretchers and also accommodate ambulatory people – those who can move and walk about albeit slowly, using canes and walkers.

Fair Credit Reporting Act (FCRA)

http://www.freeannualcreditreportnow.com/

Equifax has established a business relationship and who has what is considered a “permissible purpose” under the Fair Credit Reporting Act (FORA) can obtain a copy of your Equifax credit report. A permissible purpose includes: employment, insurance, consideration of an application for a loan or an offer of credit, and collection of a debt.Equifax has established a business relationship and who has what is considered a “permissible purpose” under the Fair Credit Reporting Act (FCRA) can obtain a copy of your Equifax credit report. A permissible purpose includes: employment, insurance, consideration of an application for a loan or an offer of credit, and collection of a debt.

Lunes, Hulyo 9, 2012

Federal Employees Dental and Vision Insurance Program

http://insureme.us/federal-employees-dental-vision-insurance-program/

One benefit that the government provides its employees is the Federal Employees Health Benefits (FEHB). Covered under this policy are the employees themselves, their families, and retirees. FEHB is a plan that is as flexible as it can get, where you can opt to choose a plan that best fits your financial needs, while offering the best coverage. Aside from the FEHB, federal employees are also entitled to the Dental and Vision Insurance Program (FEDVIP). This is a supplemental dental and vision insurance coverage. Dental coverage provides a comprehensive list of services, while vision plans provide coverage for eye examinations, refraction of lenses, frames, and contact lenses. Even Lasik surgery may also be covered under this policy.

How to Become a Transportation Provider for Medicaid

http://www.medicaidpatients.com/how-to-become-a-transportation-provider-for-medicaid/

Medicaid is a health program by the Federal government and the States to provide health insurance for low-income families. A vast majority of Medicaid recipients are the elderly and disabled, often, they do not have the means to get to doctor’s offices and clinics, physical therapy sessions or routine check-ups. Since the primary goal of Medicaid is for these medically-needy people to gain access to health care, the Federal government has allowed states to organize for non-emergency medical transportation for those who need it.

Equifax database services

http://www.freeannualcreditreportnow.com/

Equifax has had to expand its database services to include other services such as marketing and credit scoring, in addition to developing its international divisions. Efforts toward the latter have been quite successful to date with Equifax non-domestic operations growing at double digit rates over the last few years. Credit scores are mathematically based on Equifax credit reports and represent the likelihood that a person will pay his or her debt.

Linggo, Hulyo 8, 2012

Ensuring Long-Term Care for Alzheimer’s disease

http://insureme.us/ensuring-long-term-care-alzheimer%E2%80%99s-disease/

Families are encouraged to get supplemental insurance, because not all costs will be shouldered by Medicare. This supplemental insurance is termed as Medigap insurance. Private health insurance companies offer these insurance policies. The conditions for Medigap are determined by state law. These are the out-of-pocket expenses or deductibles associated with hospital stays, and the co-payment by the insured. Families should also ensure that the supplemental health coverage that they will be getting for their loved one should include long-term care, for most private insurance policies don’t include coverage for nursing homes or assisted living care. It should be noted, though, that if your family has a history of this chronic disease, and you are going to acquire the insurance at the point when they were diagnosed, you will likely be rejected by the company. Make sure that you plan ahead if this is the case with your family. Costs for Alzheimer’s treatment may run from $40,000 to $70,000, and may very well debilitate your family financially, if you are not prepared for this illness.

Oral Care and Services

http://www.medicaidpatients.com/medicaid-dental-coverage/

Oral care and services must be provided at a standard of six-month interval established by your dentist and the EPSDT program. As indicated by medical necessity, the number or frequency of visits may be increased upon determination of the state. Basic dental services provided under Medicaid may include, but are not limited to, pain relief, treatment of infections, restoration of teeth, preventive dental care and specific dental procedures as deemed necessary by the state.

TransUnion

http://www.freeannualcreditreportnow.com/

TransUnion started looking at expanding the services it offered to mortgage lenders beyond merely providing credit reports. Outsourcing some of the mortgage settlement functions would give lenders more time to focus on gaining new business and managing their portfolios.

Huwebes, Hulyo 5, 2012

Emergency Dental Insurance

http://insureme.us/emergency-dental-insurance/

Dental care nowadays can be really expensive. This is why it is usually a good idea to have some sort of dental insurance should any problems regarding your teeth and gums arise to help cover with your dental costs. There are countless reasons why we would ever need emergency dental insurance plans. It may be due to an accident that would require you to get a dental treatment right away, or if you are having severe toothache, swelling or bleeding gums, if one or a number of your crowns fall out or you simply may have something jammed between your teeth. It is important to seek emergency dental treatment immediately so as to avoid increased risks of getting gum infections leading to more serious problems.

EPSDT - Early and Periodic Screening, Diagnostic and Treatment

http://www.medicaidpatients.com/medicaid-dental-coverage/

EPSDT focuses on the prevention, early diagnosis and treatment of medical conditions and is a mandatory service under Medicaid. All states are mandated to provide comprehensive, preventive, restorative and emergency dental procedures to children less than 21 years of age. It is important to note however, that the definition for these services vary from one state to another.

How Credit Reports Work

http://www.freeannualcreditreportnow.com/

If you've ever applied for a credit card, a loan to buy a house or car, or a line of credit to make some other large purchase, then you've probably had your credit report reviewed by the lender. If your report says you don't pay your bills on time, or that you have a lot of debt, you may not get that loan -- or you may get it but have to pay a higher interest rate. Because it can have such an impact on the things you do in your life, you should make sure that your credit report is accurate and that you understand how it affects the credit you can get.

Miyerkules, Hulyo 4, 2012

Does my credit rating determine my insurance quotes?

http://insureme.us/credit-rating-determine-insurance-quotes/

The debate whether credit scores and insurance rates are necessarily correlated is still ongoing. Many wonder at the logic behind a person with a bad driving record getting lower car insurance rates than someone with a mediocre credit score. Or the case of the person with a weight issue getting lower health insurance rates over someone with a so-so credit rating. To top it off, in these hard times, we struggle to make ends meet and therefore prioritizing which bill gets paid on time would often result in having to sacrifice the credit card bill or defaulting on your student loans just to make certain that your insurance premium is settled. Some would be surprised to find out that even though they strive to stay on top of their insurance at the expense of other financial obligations, they have been dropped by their insurance companies due to their dropping credit ratings. Still other companies may find it fitting to capitalize on this by hiking up their clients’ insurance rates to skyrocketing proportions.

Medicaid Dental Coverage

http://www.medicaidpatients.com/medicaid-dental-coverage/

Medicaid is a joint program by the Federal government and the States to provide health coverage for the impoverished, the aged and the disabled. Eligibility standards and requirements must be met in order for one to qualify for Medicaid coverage.

While dental services under Medicaid are an optional service for adults, it is a required element of the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit for people below 21 years old.

Errors in Credit Report

http://www.freeannualcreditreportnow.com/accuracy/

There may be errors in the report that financial institutions can see but you do not unless you examine them. If there are errors, you can dispute the credit report. A dispute form is always provided with the credit report. You can also write the credit reporting agency or the furnishers of the information through certified or registered mail. Include all the pertinent information and documentation regarding the error. The credit bureau must investigate any significant dispute within 30 days.

Martes, Hulyo 3, 2012

Discount Dental Plans

http://insureme.us/discount-dental-plans/

Dental insurance gives you basic coverage on dental exams, oral cleaning or hygiene, root canals, orthodontics, and the like. The amount of deductibles on top of your monthly premium and the maximum yearly limit of how much you may spend, are factors in determining the cost of your dental plan. However, this type of insurance is increasingly becoming an unpopular choice among the field. Although your coverage may allow you to see any dentist that you would prefer, the dentists themselves do not allow you to use your insurance forthright. You would have to pay upfront and then place a claim with the insurance company. This is because insurance companies only pay a certain amount for dental services, that which is lesser than what the dentist typically charges. So, it’s either you prepare to shell out a certain (or considerable) amount of cash, or find a dentist who may charge a lower fee.

Mandatory Eligibility Standard

http://www.medicaidpatients.com/medicaid-disability-requirements/

Centers for Medicare and Medicaid Services has set a mandatory eligibility standard that must be recognized by all states as a condition for receiving federal matching payments. Among those included in the mandatory eligibility groups are low-income families with children, as well as those who are Supplemental Security Income (SSI) recipients and babies born to Medicaid-qualified mothers. It is also important to note that pregnant women and children below the age of six who belong to families that have an overall family income less than 133 percent of the current federal poverty level belong to this group. There are mandatory services as well, such as physician and hospital services, Early and Periodic Screening, Diagnostic and Treatment services for those who are below 21 years of age, and nursing facility services for those who are above 21 years of age.

Equifax

http://www.freeannualcreditreportnow.com/accuracy/

Anyone with whom Equifax has established a business relationship and who has what is considered a “permissible purpose” under the Fair Credit Reporting Act (FCRA) can obtain a copy of your Equifax credit report. A permissible purpose includes: employment, insurance, consideration of an application for a loan or an offer of credit, and collection of a debt.

Lunes, Hulyo 2, 2012

Direct Reimbursement Plan

http://insureme.us/direct-reimbursement-plan/

With the cost of living soaring high while the economy is barely making it, people are always looking for economical ways to protect themselves from unforeseen events or emergencies. It is no surprise that the first thing that makes the cut is insurance- whether car, medical or dental. This is the reason why insurance providers come up with coverage plans or policies that help individuals keep their coverage for a minimum amount of money. The employed population is fortunate to have backing from their employers. Maintaining health and dental insurance is not a problem for them. Those who have individual insurance coverage needs to keep up with premium payments in order for them to be protected.

Requirements for Medicaid Disability

http://www.medicaidpatients.com/medicaid-disability-requirements/

For a person to qualify for Medicaid on the basis of disability, he or she must meet a variety of criteria in relation to the severity of the disability, income and resource guidelines, immigration status, and residency in the state where he or she is applying for Medicaid.

As each of these standards varies from one state to another, it is advised that a person applying for Medicaid should seek the help of qualified caseworkers in their area to assess their current situation and to evaluate whether their disability will qualify them for Medicaid.

Monitoring Credit Cards

http://www.freeannualcreditreportnow.com/accuracy/

There are companies who provide credit monitoring aside from the usual credit reporting, and they will alert a client if there is any change. A person can save a lot of money from monthly fees these companies will charge for these services that a consumer can do on their own.

An excellent way to monitor your credit is to get a report every four months. Federal Law permits a person to one free credit report from the three major credit bureaus – TransUnion, Equifax and Experian.