What are two-three reason that are claimed to side for the soaring reported profits of pharmaceutical compani
Question:
5.What are two-three reasons that are claimed to statement for the high reported profits of pharmaceutical companies? Do you muse drug companies earn excessive profits?
Answers:
1. More americans are taking more maintenance drugs than ever in the past. They don't take comfort of themselves and eat the course they should, so they're trying to "manage" bad behaviour with drugs.
2. What's "excessive profit"? Coca-Cola earn more profits than ANY of the pharmaceutical companies, and no one complains roughly speaking them! If you want new drugs available, SOMEONE have to pay for the research - which can pinch decades and cost billions.
If you really think that pharmaceuticals receive tons of money, buy their stocks. I actually DO hold some, because I enjoy faith that Americans are going to verbs to be lazy going on for taking care of themselves, and wanting doctors to fix their problems, fairly than eating properly and excercising.
Only the ones I don't own stock within.
Drug companies have profit margins that are in recent times way too high-ranking. I worked as a sale representative for a health company, and surrounded by 2005, the RX claims exceeded hospital claims for the company. Think about it! I believe drug company's profit margins are around 800%. And we wonder why prescriptions and condition insurance are both so expensive?!?!?
Insurance Adjuster within MA?
Question:
hey
im trying to become a insurance adjuster in MA.
i cant find any colleges that propose any sort of course for this type of work.
can anyone please abet me??
Answers:
No, there AREN'T any colleges that submission coursework, it's not a COLLEGE degree.
Go here www.piaa.org and look for local classes through the agent association.
And realize, that a short time ago because you have the license, doesn't be going to someone's going to hire you. I'd line up the chore FIRST, as it's going to be harder to get a employment, than get the license.
If you want to become an insurance adjuster (and for the vivacity of me I cannot understand why anyone would volunteer for such punishment), the best passageway to do it is by getting a claims trainee job next to an insurance company. The starting pay may not be the best, but most companies will nick a college graduate and spend the time and money it takes to train them into a adjuster.
The conception down..?
Question:
3.The idea astern the production function for health is that medical charge, when combined with other inputs and a person’s own time, produces flawless health. What is the marginal contribution of medical perfectionism to the production of health contained by the United States?
Answers:
Oh, please. Is this a homework question? Because it's too boring to answer. As you can probably share, from the lack of answers.
What are the potential consequences of the following events within the U.S. open market for cosmetic surgery?
Question:
2.What are the likely consequences of the following events contained by the U.S. market for cosmetic surgery? Does the supply curve or the constraint curve shift? In which direction? State whether the equilibrium price and quantity increase, stop, or stay the same.
a.Health insurance coverage is expanded to cover adjectives elective procedures, such as tummy tucks, nose job, and liposuction.
b.Personal finance companies start a countrywide lending program for cosmetic procedures not covered by robustness insurance.
c.Medical malpractice insurance premiums increase for plastic surgeons.
Answers:
a. health insurance companies any go broke, or everyone's premiums triple - which they won't know how to afford, so they go uninsured.
b. they already do this. ANYONE who can achieve a personal loan, doesn't have to articulate what the money is for.
c. well, that happen every year, too.
So there's no new consequence for b & c, as they are already REGULAR events.
IF IT'S ON , THE SOONER THE BETTER. MORE PEOPLE WILL FEEL BETTER ABOUT THEMSELVES, AND BE HAPPIER.
I get a communiqu¨¦ from a go insurnace company that I own a life/annuity policy which I dont own. How come?
Question:
I got a communication from an insurance company (big, legit addresses)saying I own a life / annuity policy next to them, and they give me a policy number, and ask me to convey SSN/tax payer number back to them. I NEVER bought anything from that company so I am pretty sure I dont enjoy a policy with them, and the middle signature is different than mine. Did someone steal my identity and get a enthusiasm insurance policy?
Answers:
Call the company directly. Use the internet and find out seperate numbers to call.
Also, could be your grandparents or parents get you a policy when you were a kid. Now, you are older and presently the "owner" of the policy. In order to complete accounts at the particular company's home department, they would need your ss#. But hail as them to be sure. Good luck.
They feel approaching charging you because they can.
Don't send them anything. What's the company?
Call them. They adjectives have customer service reps that will speak to you on the phone.
Tell us what the company is and we'll make a contribution you the correct number to call.
This is a total scam. I get one of these notices some time ago and researched it on the Web. You should simply cold-shoulder this notice.
Contact the company directly. Don't use a phone number or address they give you (in the letter). Get the phone number independently.
Having said this I'd bet this is a plain old rip bad looking to get your SS# and maybe banking info. Letters close to this don't go out by legit companies. Even if it claims it's from NY Life, Hancock or any other focal company...... be careful.
i assume they are charging u,
http://www.insurance-assurance.110mb.com...
It is legit -- a legitimate prospecting tool for the insurance company and its agents. The communiqu¨¦ probably offers a review of your current annuity.
If you name or write back, they will hold out to send an agent to pop in with you.
It is a scam. A lot of companies transport this kind of messages. Sometimes they will speak about you about energy insurance, sometimes is unclaimed government bonds, sometimes they will enlighten you that a distant relative left you some money and they can give support to you claim it and find it.
The bottom line is that these are legit companies and the service they give is to look if you have any of these things surrounded by your name to see if they can attain you money. The problem is that most of the time they do not have any hope of finding anything for you. You see, these companies charge you to look for anything but they never guarantee to find anything.
Most of the times they will return with your check, and in a few days you will bring a letter letting you know that after a through look into they didn't find anything, but thank you for your business.
I know this, because it happenned to one of my clients. If someone tells you you own any financial product in your first name, the company that backs the product will distribute you information about it free of charge (as long as you own it).
Have you gotten also a message that says that you've won $1,000,000 ?
It's not true, they're fooling you. Pure cheap marketing and propaganda.
NEVER dispatch your ssn/taxpayer info to someone you do not know. If they ask for it then you did not pass it to them. and if you did not give it to them afterwards you do/did not want them to have it. Classic valise for ID theft
Well, it's pretty intricate to fake the blood/urine/saliva tryout.
Go look up the big, legit address on the website, and ask them if this is the kind of piece they do. It does sound VERY much close to someone is trying to steal your SSN. I would NOT give it out until I be pretty darned CONVINCED it was legit.
If you own a policy beside them, they should already have your SSN or TIN. Call the company (don't use a number on the message, look them up to make sure you hold the right number) and tell them in the region of the letter you get. If it's legit, they should be able to look up the policy number. If it's not, they should know other folks are operating next to their name.
Describe what is wrong beside the following statement made by an uninformed (hypothetical) politician,?
Question:
Describe what is wrong with the following statement made by an uninformed (hypothetical) politician, “For-profit nursing homes are fruitless because the owners charge whatever price they want.”
Answers:
What's wrong next to that statement is in our society the for-profit homes cannot charge doesn`t matter what they want. They can charge whatever the bazaar is willing to pay envelope, though. They will generally enjoy nicer places and better amenities than a not-for-profit home to entice the prospective residents to agree to pay more.
Hope you bring an A
In a free capitalist country a business can charge whatever it requests. The politician must be a liberal.
Politicians like that one are just concerned about spending as little as possible on medicare and long-term disability expenses. They could contemplation less just about the people. They are simply concerned with positive money. They need that money for their limo rides, petty brass and special interest projects like the period of war. Our politicians in America are more concerned near supporting the rest of the world than taking care of the citizens. Look how they treated the soldiers that enjoy been disabled from the period of war. Our hometown heroes are person treated worse than the enemy. We necessitate some caps put on profoundly of prices like gas. We are in a flash becoming a two-class society: the super rich and the poor.
Politicians look look themselves in the mirror.past ridiculing our free capitalist society.
Yes for Profit is "for profit". AND you get what you wage for.!!
I have be at many Non-profit nursing homes and some treat
patients similar to cattle.
Politicians are stupid, and don't know how the real world works. They're horrid manager, and most of them have never held a solid job. Anyone who take economic suggestion from someone who sticks his fingers out to see which way the snake is blowing, DESERVES what they get.
For-profit can oftentimes be more streamlined because it is run like a business. The statement incorrectly imply that non-profit nursing homes do not bring in huge amounts of change every month. Non-profit just scheme that they cannot retain earnings; it does not tight they don't make money.
I hold established that I want to become an auto mechanic but I'm not sure if the brief will salary satisfactory to live on
Question:
Answers:
trust me at first it will seem similar to you wont be making much money but very rapidly you will bringing in really honourable money i am able to angle my family and live pretty ably being a mechanic i own been doing it for 9 years and own a very perfect income
If you love what you do, you will make more money than you guess!
Good Luck!
u can see many quotes truism that "u can earn upto 20000$-30000$ per month"
BUT
i can challenge you that u can earn 1000$-2500$ for a week by spending one hour time/day .the income may increase with increase surrounded by ur time in this ..
affiliate marketing is a great bearing to earn the extra money you need to back you make ends congregate and live more comfortably.definitely u will earn more than the other ways.......
And you asked this contained by the insurance group because?
Is New York Life a well brought-up company to start my latest job beside?...?
Question:
I am going to jump into the Finance and Insurance Industry. I am unbelievably seriously considering taking a position with New York Life to flog Insurance.
First off, I will trade health and vivacity insurance, then I will complete my training on becoming a certified financial planner. New York Life is prearranged for their great trainning program, especially for new agents contained by the career.
I strongly make the acquaintance of any comments or suggestions.
Answers:
NY Life is a good company beside a strong rating. But as a new agent, it might not stir too well at first. When you arrive, you will call for to put together a Project 300. That is 300 names of your friends, familial and anyone else who you could get into to sermon insurance. Those are your first and only lead you will get to start. You will hold to build your practice on your own family. But if you already own an "in" somewhere else, then great, hold rotten on the family.
If you enjoy an aversion to "hittting up" your family right out of the takings, then you might want to find a company that would provide lead to you. I am with a company that provided lead to use, free of charge, and I have be in the business for over a year and a partially and I have but to write a member of my family circle. Nor have I even asked. This be my experience, and the info about NY Life come from a former agent who now is surrounded by our office. She not here NY Life 2 years ago. Good luck whichever you go, I love this business and I hope you do will as all right.
If that's where your zeal lies, then run for it.
Personally, I don't trust the entire industry.
very well brought-up plan and very appropriate company and if you stick it out and work hard you will be sucessful. As you are so optomistic and excited roughly it, I know it will go honest for you. Positive attitude and hard work is the underground to life and I get to retire at 42 because I wanted to work unyielding and be rich and did it.
I did as you're doing. It's a good place to carry some basic skills. NY Life is better than most Insurance Companies. But the trial rep is usually out there selling indecorous, expensive products.
It's not easy. But not a soul can tell you whether it's virtuous for you or not. You'll be asked to go after inherited and friends. You'll be discouraged from selling low commission products which... as a general rule are better for your clients.
NY Life is a reputable insurance company and have a good company rating. I work for another insurance company which have one of the highest ratings as resourcefully. I agree with you as far as looking at the training program go, I think CFP should be on the horizon if you are seriously looking to seize into the planning arena.
The only aspect I don't close to about NY LIfe is that they are inmate. This means they individual offer their own products directly. There is a approach for them to offer products from other companys, but they are required to move about through a third party system. This doesn't other guarunttee your client the best rate if you do need to look elsewhere.
If you enjoy explored your options and looked at a few companys, later I say try it out! If you want some suggestions for other companys you can look into as economically, let me know.
Hope this help!
How tricky is it to start your own insurance company?
Question:
how much capital do you involve or are there companysthat will front the money
Answers:
You obligation mega start up capitol. State regulate and license Insurance companies. They also oversee their operations beside intensity.
You have to in safe hands a Bond with your state as obligee.
This bond is a guaranty. against failing surplus. The Bond could be a Mill.
You also want proper financing and stock agreements if you either want to be a "stock" company or a "mutual" company.
Mutual companies are invested and owned by the policy holders. Every policy holder can vote on company issues.
As a Stock company ...base on your financial status and securities you issue stock options and associates by stock sometimes thru the market or shares are issued amongst the "partners" depending on how much capitol they invested.
I would consult a Attorney specializing contained by corporate law. And contracts.
That's the best track to go.
one of the hardest businesses to start.
If you are chitchat about selling insurance policies, it is not that money intesive, it is that it take a long time to build up your client list until you are making a apt wage.
If you are talking in the region of an starting an actual insurance company, you need lots of money (to income off claims until income reach a certain level), and enjoy to be approved by legions of government orversight agencies, including respectively state you will be operating in. It is an incredible undertaking that wishes to be done by people who know what they are doing. If you own to ask how to do it, you shouldn't even think give or take a few it..
probably a million, but I would say much more than that. You own to be ready to salary out a possible $250.000 to each one of the culture you are insuring.
My insurance would owe me one million if certain situations where on earth to arise. Imagine having simply 500 such clients.
How about you start a small business contained by the healthcare industry with us.
If you don't know how to start one, and don't hold a few spare millions sitting in the ridge to hire the fleet of accountants, attorneys, and actuaries, you aren't going to be able to do it.
If you don't know the answer, you don't know adequate to succeed. Good luck in your research or other business.
Is Medicare Humana any worthy for prescription coverage?
Question:
Is Medicare Humana a good type of insurance to buy for medication coverage? My husband in general gets more or less $200 a month worth of medications. What is a right type of insurance that will pay for his medication?
Answers:
Humana does have exceptionally good prescription coverage. You want to check the formulary to make sure his meds are covered. At $200 per month he is markedly close to going into the donut hole, so you need to be aware of that. They hold 3 stand-alone Part D prescription plans. The Standard plan has a $265 deductible and no coverage within the donut hole, the Enhanced plan does not have the deductible but still have no coverage in the donut hole, and the Complete doesn't hold the deductible and it covers generics in the donut hole. They also own several Medicare Advantage plans which include Part D.
You should contact a local independent agent that deals next to Humana and also most other plans. They will help you find the best plan and they don't charge anything for the service. You will want someone who can do a prescription analysis of his meds to find the plan that covers best and can hold on to him out of the donut hole if possible.
Do your researce. Ger ahold of them, ask question,dig philosophical. Then ask around and find people around you who enjoy had dealing beside them and see how it worked out for them. Ask them questions.
For $19.95/mo. we can cut that price of medication in partly or more. We are giving free 1 yr. prescription cards if people will survey our video presentation in its entirety. No condition what so ever. Get your free RX Card http://deliveringonthepromise.com/rstins...
Check with your state's Depart of Insurance, especially if they own a SHIIP (Senior Health Insurance Info Program). Some of us former Humana agents have dropped them because of their unusual practices. What we be trained to say didn't turn out to be what they in actual fact provide.
But if you insist on Humana, make sure that your local doctor accept them first. If not, then you'll own a problem.
I use a discount card that lets me retrieve up to 80% on Dental, Vision, Prescriptions and Chiropractic. Its $19.95 a month.
http://www.mybenefitsplus.com/jburke...
If your low income they have a program that get you all prescriptions for $82.00 a month.
When man dies of heartattack , surrounded by his motor ,can collect on the vehicle insurance?
Question:
Answers:
MAYBE. It depends on what state he's in, and which coverage he's trying to collect surrounded by.
MANY MANY states will pay the medical payments or personal injury protection mark out to someone who dies in their coup¨¦, regardless of cause of destruction. Some states also have an "casual death" benefit, which will pay out if someone dies surrounded by their car.
LIABILITY, though would not apply - as it's a third deputation coverage, not first party.
So, ask your agent if it would apply contained by your state, with your coverage boundaries.
NO!
The heir to his insurance can collect, if it be included in the policy.
-MM
I don't know why this sounds so "heartless"!
It is massively doubtfull. Although it would depend on the circumstances. Was he operating the vehicle at the time of his death and did his annihilation cause an luck? If so, his family member may be able to grasp the vehicle repaired or replaced if there be collision coverage on the vehicle. There is usually no coverage for the life of the owner of the vehicle if the fluke is not caused by another driver. If the calamity were cause by another driver and the man who died had Unisured/Underinsured Motorist coverage later that coverage may pay something to the surviving kith and kin members. These are the just way auto insurance would be expected to pay out.
Hope this help
It might also help you to know that the best course to insure someones life is to buy vivacity insurance. In this way one can be sure surviving house members are taken supervision of.
Depends on the coverage carried on the policy as well as the expressions of the policy. It also depends on the circumstances surrounding the heartattack.
you are a ghoul.
What's to collect? His car is still near. Car insurance isn't life insurance unless near is an accident consequently somebody is gonna sue somebody.
yes,(depending on policy cover) if he was driving at the time of disappearance and caused disrupt to the vehicle, his relatives can claim for the damge to the vehilce, or the total loss value. This is call consequential loss. But also any other vehicle involved will also be repaired /written off beneath his policy.
Can he have his vehicle fixed - yes if he had coverage for it.
Will mess up to other peoples property be covered? Depends. If it was a prearranged health condition the answer would be yes. If he be healthy and have not prior heart problems the claim would likely denied to the third jamboree as the deceased be not at fault. In other words he be not negligent, he could not enjoy foreseen the heart attack.
If he has physical impairment coverage on his car, and the sports car was destabilized, it will pay for that. What coverage are you asking if he can collect on? Medical payments?
I want to pilfer Health Insurance. Which company offer best policy?
Question:
Which company gives the policy for 20 years? What are the benefits I can avail?
Answers:
It is difficult to articulate which particular insurance company would hold out you the best policy. You might want to contact an insurance agent or website that can help you establish which type of product would be best for you.
Here is an excellent site with some wonderful option 4 U. Check it out……..
http://lnk.in/4sqn
How much of a deductible do most populace enjoy on their home insurance?
Question:
Answers:
I am an insurance agent - I would say most of the smaller homes (under $200,000) enjoy probably $250 or $500. Average sized homes ($200,000 to $300,000 or so) have $500 or $1,000. The larger homes own $2,500 & the enormous (well over $1,000,000) own $5,000 or $10,000. The larger the home, the larger the premium so the bigger the credit for taking a higher deductible. It would not be worth it for a small home to pocket a huge deductible because if the premium is only $500 per year, a 10% funds is not much, but if you are talking around a $15,000 premium, a 10% savings is deeply.
i have $500.00
All 3 homes that we've owned have had a $1000 deductible.
I used to Underwrite for a trunk insurance carrier and you call for to look at the policy-there is no easy answer. A lot of polocies own a deductible for the dwelling( actual house ) and then a seperate deductible for mischief to the dwelling caused by wind( Imagine thinking you have a $500 deductible and then a windstorm ripped stale all the shingles and you find you enjoy a 3% deductible on a $200,000 house-that's 6,000!
You also have endorsement for things like jewelry they may hold a different amount to..
Really you can have assorted deductibles depending on what you want to cover...
may 600$
http://www.insurance-assurance.110mb.com...
what can you afford and what is the premium difference?
Can you afford to pay $500 out of pocket? A $1000? within the event of a claim?
$500 is most common, but if increasing from 500 to 1000 save you $50 a year is it worth it? A lot of times it is that small of a difference. Check with you agent and ask them to run different deductibles. If they fuss just about it or give you trouble. The switch agents or beckon my company.
Where can I bring an electronic template of a CMS-1500 medical billing form for free?
Question:
I work for a non-profit company that provides supported employment services. I only hold one client currently on Medicaid Waiver long term support that I hold to bill for. I don't want to pay for software or a Smart Form if I can obtain one for free. Can anyone make a suggestion? THANKS!
Answers:
http://www.smartform.com/e/free_forms/fr...
hopefully this help
I freshly get a note from my insurance company?
Question:
regarding a trip to the emergency room i have in may.
it say "if you had recent robustness coverage, your prior company should have sent you a "card of health plan coverage" please distribute a copy (ies) of this certificate which indicates the amount of creditable coverage from your prior strength plan(s). This will be used to determine any pre-existing limitation"
what in the world does this be set to? it's insurance we have through my husband's work. we get married in august and the insurance didn't see in until october. so from august 5th to october 28th, we have no insurance and before that we be each our parent's strength insurance.
i have no permit and neither does my husband.
the letter also say if we don't send this info inwardly 45 days, they'll deny our claim.
i can't call the insurance ethnic group until monday, and i'm freaking out about this. (it's a 3000 dollar bill that i can't afford). does anyone own any idea what i'm supposed to do?
Answers:
You can contact the prior insurance companies to receive the certificate. However, you did own a lapse in coverage of nearly 3 months so if the medical bill is for something explicitly pre-existing the company may still deny the claim.
EDIT FOR ADDITIONAL DETAILS:
Since you had no pre-existing conditions you enjoy nothing to verbs about. Go ahead and phone call your previous company on Monday to get the dispatch, that will probably satisfy your current company. If it doesn't, it is up to them to seize medical records to prove otherwise. If they dispense you a hassle about paying the bill you'll own to go through the appeals process but to be precise a different question and answer.
contact the insurance you be covered by during that time period and ask them for that notification. It's not a big deal. chill out.
Call on Monday. All this really method is that htey are hoping to share the bill. A call is adjectives that they need,
No obligation to freak out. This is just a ploy to collect any money or all your personal info.
Just sit on it. Let them sweat a short time if it is really legit.
You will find out soon - I am willing to betcha - it is a scam.
A permit of health plan coverage give a general rundown of any pre-existing conditions you have at the time you initially signed up for insurance coverage. The insurance company basically requests to know if you had any other coverage, and if so - whether or not you have any conditions that existed before your trip to the emergency room. It's simply their way of making sure they don't settle for anything that was already wrong next to you before the stipulation to visit the ER. They solitary want to pay for things directly related to the ER stop by.
When you sign up for insurance, you are subject to a pre-existing conditions exclusion. For a specified period of time, they won't cover something you already have when you enrolled.
If you replaced coverage, the pre-x is normally waived to matching extent it was rewarded under the feeble coverage (required by law). They are asking you to demonstrate that you had coverage straight away before enrol in their plan. So contact the antiquated insurance and ask for the statement of creditable coverage - it's how much "credit" you get toward the pre-x on the contemporary plan.
Or don't. They can deny the claim because you refused to follow the plan requirements.
First: Relax.
Second: Don't verbs about finding the form they want. More on this surrounded by a minute.
Third: Call your parents and get the policy numbers for the policies you both be covered under.
Fourth: Call your insurance company and grant them the policy numbers. Let them do the legwork.
Fifth, relax. All they are doing is making sure they don't pay a claim they don't enjoy to pay (if your treatment be for a true emergency, this is probably just a formality). It wouldn't hurt to enjoy your husband speak to someone about it surrounded by the office where on earth he works; they can be a lot of comfort.
Remember: you have a month and a partially to do this. Go ahead and do it to get it bad your mind, but everything is going to be fine. It can be intimidating, dealing with insurance companies, but you'll swot up in time that most of this humane of thing isn't nearly as threatening as it seem.
this is a common process that insurer will check for any pre existing condition up to that time they pay out.
1. send for them on monday and explain your unique the situation.
2. if required, you may necessitate to contact the previous insurer
3. Get your insurance agent to assist you