More people lose everything because of medical catastrophes; it’s even worse when we don’t have health insurance to absorb most of the costs. Insurance protects us against loss of property should we get into an accident. Insurance protects our family should we lose our lives. Insurance protects our cars, boats, toys, and homes. One type of insurance that we could die without, is health insurance. Medical bills are the number one cause of bankruptcy.
Lots of people who lose their jobs cannot afford health insurance premiums; so remain uninsured. Health insurance problems occur more during times of high joblessness, as most folks get health insurance through their employer’s group health insurance. If you were on your employer’s health insurance and are terminated, you may be eligible for COBRA insurance. COBRA is 18 months of extra time on your health insurance, but you pay a premium for it.
The uninsured problem was addressed and alleviated under the Affordable Health Care Act that went into effect in 2010. The principle of the Act was to provide affordable healthcare insurance to all Americans, regardless of being employed or not; having a pre-existing condition or not. In years past, insurance companies could drop you if you had a preexisting condition. Not so now. More regulations are in place to prevent insurance companies from canceling insurance when you get sick, or when you move from job-to-job. Discrimination because of a pre-existing condition is illegal. States have the right to implement such requirements now, but it will be fully implemented in 2014.
The Act protects people from excessive insurance premiums and regulates that 85% of all premium dollars collected by insurance companies for large groups must be spent on health care services and health quality improvement. The law states that an employer run insurance plan must provide 80% of the same. The law in its entirety will be rolled out by 2014.
The new regulations give tax credits to small businesses to help them provide health insurance to their employees. Up to 4 million small businesses will be eligible for credits up to 35% of the employer’s contribution to employee health insurance. Non-profits receive up to a 25% credit. The law helps employers and individuals.
New fraud detection practices have caught over $2.5 billion dollars since 2009. The Affordable Healthcare Act will continue to act on falsified insurance practices that cost taxpayers billions of dollars. New electronic systems and an online insurance health website has made it easier for folks to head online at view and understand all their rights along with how to do things at healthcare.gov.
This Act has helped millions of college-aged individuals remain in school and get degrees before looking for work and heading out on their own. The Affordable Healthcare Act lets parents to keep their kids on their health insurance until they are 26 years old, if they don’t have health care offered through work. Look for more updates as the timeline for full rollout begins to help more people every year.
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The 84-year-old woman was approached by a man and thrown to the ground as she returned home from the grocery store Tuesday afternoon.
A lot of brides who plan their weddings on a budget wonder why they should hire a video production company for their special day. The answer is simple. It’s all about quality. While you can have a friend or relative tape it for you, why take the chance that it will turn out badly? This is a once in a lifetime memory, so you should have a professional capture it on film.
The first step is to always ask for a demo reel. This is a type of video resume that a videographer compiles, showcasing the best of his or her work. This will give you an excellent feel for what can be done on a given budget, and what look or feel the videographer might be able to impart to your story. From the demo reel, you should be able to narrow the field down to a reasonable few candidates.
Although you can certainly hire four or five or even more camera operators for your wedding, crews manning two or three cameras is quite common. This size gives makes sure that the shooters have time to re-station themselves for the next shot while one or two other cameras capture the action. Although there are companies that film with just one shooter (sometimes backed up with unmanned cameras), it is not an ideal situation.
Anyone who has planned a wedding knows that there is no upper limit on prices for most of the services. If you have the finances, your wedding video could have a Hollywood budget. But for most weddings the video including editing will run from $1,000 at the very low end up to $5,000 for a crew of several cameras and quality editing. Your videographer should be able to give you a very accurate estimate when you talk with them.
A good videographer should provide you with a promo, give you an accurate estimate and provide you with a video in a reasonable amount of time after the ceremony. But above all, you want a company that can professionally film your wedding without too many questions on the day of the ceremony. Ask around. Have any of your friends used this same company? Do they remember dealing with the videographers on their wedding day, or do they remember their day through the video that was produced?
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Three miners who were trapped 800 feet underground after a fire broke out Wednesday in a zinc mine near New Market were brought out to safety by a rescue team.
The northbound lanes of Interstate 65 were blocked following two crashes, one including a diesel fuel spill. Traffic is being re-routed off at the Briley Parkway/Dickerson Pike exit.
New high-end luxury apartments are coming to the 12 South neighborhood of Nashville.
An argument over drugs led to a man being shot twice in the foot early Thursday morning.