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url 2020-03-09 10:52
Good Understanding about Health Insurance Coverage - Insuremenow

Health insurance plans are designed to help people protect from high healthcare costs, as it is a contract between the policyholders and their insurance carriers. People buy a health plan by paying a premium and in return the insurance company agrees to pay a part of their medical expenses when they will need healthcare.

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url 2019-08-19 06:09
Insurance Policy Processing Clerk Email List | Insurance Clerk Database

Boost your ROI like never before linking with Insurance Policy Processing Clerks with our top-notch quality Insurance Policy Processing Clerk Email list

Source: www.datacaptive.com/job-position-mailing-list/insurance-policy-processing-clerk-email-list
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text 2018-08-11 14:13
How much does travel insurance cost?

Travel Insurance

 

Travel Insurance is the insurance in which you get the cover of the cost when you are on a holiday and your belongings are stolen or anything bad happens with you. Travel insurance also gives you cover when you are traveling abroad and there some problems with your accommodation or you get injured due to any kind of disturbance and you face disarrangement in your plans.

 

 

How much does travel insurance cost?

 

There are different kinds of travel insurance like where are you going to travel and how long you will be traveling and do you need any additional coverage for this. The cost of travel insurance may differ from £4.79. For an eighteen-year-old individual traveling to France for four to five days, the cost would be for a single trip travel policy.

 

Annual Multi- Trip Travel Insurance costs you more as it covers you for the entire year. This travel Insurance policy may cost you £4.79 to the increasing amount of £19.45 which covers worldwide traveling.

 

When you are thinking of taking a big holiday then annual travel insurance is the most valuable option for you. But this insurance policy might be very cheaper for an individual who is below twenty-five and wants to go on a holiday to the same place for multiple days. And it is also cheaper if you are above twenty-five and you are planning to go for more than three trips.

 

Factors affecting the price of Travel Insurance

 

There are a number of factors affecting the Travel Insurance.

 

  1. 1.Age: The Travel Insurance is very costly for individuals who are an in their sixty's of age. It may cost sixty-two percent more than the single trip of an individual who is below twenty-five. And if you are in your Eighty's the average cost is about £36.60.
  2. 2. You would have to pay more to get cover for activities like scuba diving, hiking or skiing.
  3. 3. Your premiums will be raised if you increase the level of your protection like equipment insurance and gadgets.
  4. 4. Destinations and factors such as the cost of medical treatment and repatriation may increase the cost of your travel insurance policy.
  5. 5. The longer is your holiday, more expensive is your insurance policy.

6.If you are already suffering from any kind of illness it may increase your premium.

 

Your medical conditions – if you have a pre-existing medical condition, it may raise your premium. However, don’t be tempted to hide this to drop down costs, as failure to declare a pre-existing condition could invalidate your insurance.

 

Click here to view the source of the post

 

Source: www.easyinsurancehub.co.uk/critical-illness-insurance-cover.php
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text 2014-02-11 03:46
Thieves target health insurance policy numbers

Most of us tightly guard our credit cards and bank account numbers, but health insurance policy numbers are also prime targets for thieves. An estimated 1.84 million people were victims of medical identity theft in 2013, according to the Poneman Institute, a research organization, which expects that number to rise.

 

Victims often don’t realize they’ve been targeted until they discover a drop in their credit score or until a collection agency comes after them for unpaid medical bills, said Jim Quiggle, director of communications for the Coalition Against. Insurance Fraud, a group that includes insurers, consumer activists and government officials. While most of the cost of medical identity theft is borne by the health care industry and government, the Poneman Institute estimates that about 36 percent of victims in 2013 incurred out-of-pocket costs such as reimbursements for services provided to impostors, legal fees and identity protection services. The average cost for these victims amounted to $18,660; in a few cases, it exceeded $100,000.

Medical identity theft can happen in several ways. In one common scenario, the criminal persuades a consumer to divulge his health insurance number. Strategies for collecting these numbers can be highly sophisticated, especially when crooks operate in teams, Quiggle said. “They might invite seniors to bogus health fairs where they take their blood pressure and give them some nutritional supplements and ask to see their Medicare cards.”

 

Jennifer Trussell, who investigates medical identity theft for the Department of Health and Human Services’ Office of Inspector General, has seen cases where criminal rings target senior centers or homeless shelters and offer people $50 for, say, their Medicare number. “That information is sold again and again,” she said.

 

Even though the victims in these instances voluntarily share their numbers, they may not realize the impact, Quiggle said. “They'll discover to their horror that their Medicare account is being rifled and even maxed out by thieves who are making false claims against their policy.”

 

Some cases are perpetrated by employees of medical offices or even health care providers. Trussell worked on a case involving an Iowa chiropractor who had lifted the names and dates of birth of more than 200 patients to collect fraudulent Medicaid payments. In another case, a Baltimore pharmacy owner and two employees were indicted for allegedly submitting bogus claims for prescription refills to Medicaid and Medicare.

Sometimes medical identity theft happens with the cooperation of the victim, who allows a family member or acquaintance to use his health insurance card to obtain care. Poneman Institute founder Larry Poneman said these “Robin Hood” crimes made up 30 percent of the medical identity thefts his group studied in 2013.

 

Giving your insurance number to someone in need might seem like a generous thing to do, but it’s still a crime and you could suffer consequences if the visits rack up bills that go unpaid or result in incorrect additions to your medical records, Poneman said. If an impostor’s blood type or medical condition gets added to your record, you could end up receiving inappropriate or even life-threatening treatment.

 

Electronic medical records make your medical data easier to steal, because any clerk with access to patient records can load patient information onto a thumb drive and sell it to cronies or crime rings, Quiggle said. And because the Internet makes electronic records easy to share, tracking down all the providers who have received incorrect data can be difficult.

 

So how do you protect yourself? Never give your medical identity credentials to anyone but those with a legitimate reason for needing this information, such as the billing person at your doctor’s office, Quiggle said. Treat with suspicion anyone who asks you for your insurance number without a good reason, and never give these numbers to telemarketers or callers conducting “health surveys.”

 

Closely scrutinize the “Explanation of Benefits” or “Medicare Summary Notice” documents that are sent to you to make sure that you actually received the services and products listed, he said.

 

If you see anything suspicious, ask to see your medical record to look for mistakes or evidence that your identity has been compromised. “A lot of people don’t realize that they have the right to read their medical records,” Poneman said. He recalls a case where a woman who stood more than 6 feet tall went in for bypass surgery; her medical record, however, showed that she was just over 5 feet tall because, unbeknown to her, an impostor had used her identity to receive care. Had she been given anesthesia and other drugs based on the impostor’s size, she could have faced serious problems with the surgery.

 

Think twice before sharing detailed medical information on social media, Trussell said. Posting a medical diagnosis on social media is akin to posting your address along with the dates that you’ll be away on vacation. An impostor could use that information to obtain services that might not raise red flags with your insurer. For instance, if you tweet about your diabetes diagnosis, Trussell said, it’s possible that “next thing you know, you’re getting diabetes test strips you didn’t order or receive billed to your insurance company.”

 

If you discover that your medical identity has been stolen, your first step should be a call to the police, Ponemon said. Next, call the Federal Trade Commission’s identity theft hotline, 877-ID-THEFT, or report the problem online at www.ftc.gov/idtheft. Report Medicare- or Medicaid-related crimes to oig.hhs.gov/fraud/hotline or by calling 800-HHS-TIPS.

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