Search Results for: insurance loss prevention

Insurance Blog Week in Review – Week of February 12 – 18, 2012

In a given week, there can be anywhere from twelve to fourteen different blogs appearing here. The Insurance Blog Week in Review brings you a quick and easy way to “ketchup” on the news that you may have missed. Clinic Will Charge Unhealthy Workers Higher Insurance Rates The Cleveland Clinic is going to charge employees that are considered to be unhealthy a 21% higher health insurance premium. To avoid the increase, the worker has to see a doctor and follow the health plan the doctor prescribes. The Insurance Podcast Roundup for the week went up on February 13, 2012. Each … Continue reading →

What the Medical Loss Ratio Means For You

It’s official! The rules about what insurance companies can, and cannot, include as part of the “medical loss ratio” have been decided. Government regulators worked together with the National Association of Insurance Commissioners to come up with what is allowed, and what is forbidden. How does this affect consumers like you? People who have health insurance must pay premiums. Often, these premiums are paid monthly. New regulations that begin in 2011 require insurance companies to pay between 80% and 85% of the money they get from their customers on medical claims, or on activities that will improve the health of … Continue reading →

What to Do When Your Pipes Freeze–Mitigate Your Losses!

Frozen water pipes aren’t life threatening, however frozen or broken water pipes do cause damage to homes each winter. Homeowner need to take steps to avoid freezing damage to their house, inside and outside. For information about steps homeowners need to take to avoid the possible catastrophic losses caused by broken water pipes be sure to read the Blog, Don’t Let Your Pipes Freeze-Tips to Avoid Home Water Damage. When the pipes in the walls of a house aren’t properly insulated, they can and often do freeze and rupture. Ice expands and needs more space then water and a small … Continue reading →

Affordable Care Act Benefits that Began in 2012

Without a doubt, the most talked about, most controversial, biggest health insurance law is the Patient Protection and Affordable Care Act. It is often referred to as the Affordable Care Act. Some people call it Obamacare. 2012 was a big year for the ACA. Here’s a quick review of some of the highlights. On June 28, 2012, the United States Supreme Court revealed its decision about the Patient Protection and Affordable Care Act. The Justices decided 5 to 4 that the Affordable Care Act would stand and would continue. In other words, it was declared to be constitutional. It was … Continue reading →

Health Net Loses Sensitive Customer Information – Again!

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Health Net, an insurance company that covers around 6 million consumers from across the United States, has announced that it has lost track of servers that contained sensitive information about it’s customers. It is the kind of information that could easily be used to commit identity theft. This is not the first time that Health Net has had this particular problem, either. Consumers trust their health insurance companies with a lot of very important information. We give them our full names, (including our middle name, or initial). We give them our social security number, phone number, and home address. Over … Continue reading →

Salmonella

Contracting salmonella infection is not soon forgotten. Salmonella is a bacteria that some animals are known to carry. Salmonella can be present in numerous foods, as well as through other sources. You will find the salmonella bacteria in water, raw meat, and eggs. It is also noted in the feces of animals, soil, and common kitchen areas, such as countertops. This bacterium will affect your intestines causing a fever, vomiting, cramping, headache, diarrhea, and other symptoms. Symptoms will generally appear within 72 hours. The salmonella bacteria will usually run its course and resolving without any further medical treatment. If a … Continue reading →

Frugal Teeth Whitening

Even though you are frugal, you want to look your best. Who doesn’t want a bright, white smile? But cosmetic dentistry can cost an average of $15,000 to $20,000 that is not covered by insurance, and even those home whitening kits can get expensive at $30 to $35 a pop, to be repeated every three months or more. If you aren’t blessed with perfectly white teeth or if you just want to improve your smile without getting a second job, consider some of these frugal alternatives to teeth whitening. While they may not give you instant results, they can add … Continue reading →

The Customers Responsibilities

Recognizing and planning is a vital part of facing the risks we do everyday. Insurance is something we purchase in order to cover the losses the insurance policy covers, or those things that can be covered by an insurance policy. It’s all about dollars, and when a customer suffers a loss, it’s all about the insurance policy covering the costs they contracted to cover. When someone suffers a loss the insurance company doesn’t always just write a check, depending on the extent of the loss, the insured customer will be expected to provide details and in some cases proof of … Continue reading →

Dog Bite Liability

There has been a growing popularity since the mid-1990s, of people choosing to own the more aggressive breeds of dogs. This is a security concern because dog attacks are now the largest single cause of homeowner insurance policy claims. Dogs and their bites have become a major concern for homeowner insurance companies and considering the statistics it’s not hard to see why: The Centers for Disease Control and Prevention, reports that more than 4.7 million people are bitten by dogs every year with an estimated 800,000 injuries requiring medical treatment. More than 50 percent of the bites happen on the … Continue reading →

Holding Parents Responsible For the Actions of Their Children

Parents have always been held liable, to a certain extent for their children’s actions in the United States. Some of the early parental liability statutes provided the juvenile court system jurisdiction over parents who had “contributed to the delinquency of a minor” My father spoke often of the “Truant Officer” who spends the day looking for wayward youth and sent notice of fines to his parents. During the past several years, parental liability laws have become much more popular due to societies fear of juvenile crime. Public support for new laws holding parents responsible for the actions of their dependent … Continue reading →