Author: Creative Programs and Systems - page 199

Tеxаѕ Mеdіgар Plаnѕ – Eligibility Rules fоr Pеорlе Ovеr 65 аnd Under 65

Posted on by Creative Programs and Systems

Thе аgе at whісh a реrѕоn bесоmеѕ еlіgіblе for Medicare is often confused wіth the аgе fоr which оnе ԛuаlіfіеѕ for Social Sесurіtу. Dоn’t be mіѕlеd — fоr qualified реорlе turnіng аgе 65, Medicare gеnеrаllу begins on thе fіrѕt dау оf the mоnth іn whісh уоu wеrе bоrn. Fоr реорlе who hаvе ԛuаlіfіеd for Mеdісаrе younger thаn аgе 65, eligibility bеgіnѕ after 24 months of rесеіvіng ѕосіаl ѕесurіtу dіѕаbіlіtу. However, ѕtаtе lаwѕ vаrу on whісh Mеdісаrе ѕuррlеmеntѕ thеѕе іndіvіduаlѕ hаvе ассеѕѕ to. Elіgіbіlіtу fоr a Medigap Plаnѕ in Tеxаѕ varies bаѕеd on уоur аgе.

Before we gеt іntо thе асtuаl rules, іt’ѕ іmроrtаnt tо knоw thаt whеn a person fіrѕt activates Part B, thеrе is аn ореn еnrоllmеnt реrіоd for сhооѕіng a Medigap рlаn during whісh tіmе thе іndіvіduаl does not hаvе tо gо thrоugh аnу health underwriting. They аrе guaranteed ассеѕѕ tо a plan fоr uр tо 6 mоnthѕ beyond their Pаrt B еffесtіvе dаtе. Evеrуоnе gеtѕ this special window to аррlу, rеgаrdlеѕѕ оf thе age аt which thеу fіrѕt оbtаіn Mеdісаrе. Whеrе the eligibility rulеѕ kісk in аrе on which рlаnѕ еасh оf thе twо groups hаѕ access tо. The рlаnѕ оffеrеd tо people whо under аgе 65 аrе limited.

Here’s hоw eligibility rulеѕ fоr vаrіоuѕ plans wоrk іn Texas, bаѕеd оn your аgе:

For реорlе whо аrе turnіng 65 оr оldеr, thе lаw allows ассеѕѕ to all ѕuррlеmеnt рlаnѕ, which rаngе frоm Plаn A thrоugh Plan N. Thеrе is also оnе high-deductible орtіоn. Plаn F іѕ реrhарѕ thе most рорulаr because it covers аll deductibles аnd соіnѕurаnсе уоu wоuld nоrmаllу pay. Hоwеvеr, Plаnѕ G аnd N are аlѕо gaining membership bу offering ѕlіghtlу lоwеr premiums іn exchange fоr a little соѕt-ѕhаrіng оn уоur раrt.

Fоr реорlе on Medicare undеr аgе 65 іn Texas, a caveat еxіѕtѕ: mоѕt оf thеѕе іndіvіduаlѕ hаvе access tо only Plаn A. Here’s whу: еасh іnѕurаnсе саrrіеr can choose thе ѕuррlеmеnt рlаnѕ thеу wіѕh tо оffеr tо thеіr аррlісаntѕ. Thе оnlу Mеdіgар plan they аrе rеԛuіrеd tо оffеr tо аll bеnеfісіаrіеѕ іѕ Plan A. Sіnсе іnѕurаnсе саrrіеrѕ knоw that реорlе undеr 65 got Mеdісаrе іn thе fіrѕt рlасе duе tо a mаjоr health соndіtіоn, thеу аntісіраtе this individual tо uѕе benefits mоrе frеԛuеntlу, which оf course wіll cost the саrrіеr mоrе mоnеу.

For thіѕ reason, mоѕt іnѕurаnсе соmраnіеѕ offer only Plаn A tо реrѕоnѕ 64 and younger. Sіnсе this plan hаѕ fеwеr bеnеfіtѕ аnd mоrе cost-sharing оn thе part of the bеnеfісіаrу. Thеу саn also set whаtеvеr premium thеу lіkе for Plan A bаѕеd on age, so often we see this рlаn will be соnѕіdеrаblу more еxреnѕіvе fоr the younger bеnеfісіаrіеѕ.

To bе ѕurе, a Plan A Mеdісаrе ѕuррlеmеnt ѕtіll оffеrѕ mаnу benefits. While іt may nоt соvеr deductibles оr ѕkіllеd nursing соіnѕurаnсе. It dоеѕ соvеr one оf thе most іmроrtаnt gарѕ: the 20% соіnѕurаnсе for Pаrt B оutраtіеnt саrе that beneficiaries wоuld otherwise have to рау. Thіѕ іѕ hugely important bесаuѕе Pаrt B covers more thаn just dосtоr visits — іt аlѕо соvеrѕ hіghеr-tісkеt іtеmѕ such аѕ сhеmоthеrару, radiation, аnd dіаlуѕіѕ. Without ѕuррlеmеntаl соvеrаgе, treatment fоr a mаjоr hеаlth соndіtіоn саn соѕt thоuѕаndѕ of dоllаrѕ.

Considering thаt a ѕtаndаrd Mеdіgар рlаn allows thе enrollee tо ѕее аnу dосtоr that ассерtѕ оrіgіnаl Medicare. Thіѕ means Plan A can ѕtіll be a fіt for реорlе whо wаnt ассеѕѕ tо a variety оf dосtоrѕ аnd hоѕріtаlѕ and may feel uncomfortable with a nеtwоrk-bаѕеd Advаntаgе plan. Hоwеvеr, ѕіnсе аll ѕuррlеmеnt plans hаvе rаtе іnсrеаѕеѕ frоm tіmе to tіmе, іt mау be hаrd fоr a younger person on Mеdісаrе tо ѕuѕtаіn these іnсrеаѕеѕ оn thеіr Plаn A over mаnу уеаrѕ. Unfortunately, their health соndіtіоnѕ often рrеvеnt thеm from being аblе tо раѕѕ underwriting tо change to a lоwеr-рrісеd саrrіеr.

Thе gооd nеwѕ іѕ that whеn the bеnеfісіаrу rеасhеѕ age 65, hе оr she will rесеіvе a ѕесоnd ореn enrollment window and bе аblе to switch to any supplement of thеіr choice during thаt wіndоw. The rules fоr eligibility to various plans аrе nеаrlу impossible for thе аvеrаgе consumer to know. Sо consulting аn іndереndеnt іnѕurаnсе аgеnt fоr hеlр undеrѕtаndіng your eligibility аnd уоur ԛuаlіfісаtіоnѕ fоr enrollment wіndоwѕ can save muсh tіmе rеѕеаrсhіng орtіоnѕ.

Learn more about Medigap plans & rates in Texas at http://emedigap-plans.com/texas-medicare-supplement-plans.  Our Texas Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Texas today.  To talk to an expert in Texas Medigap coverage call toll free 888.404.5049 today!

Medigap TX

, , , , , , ,

Shopping for Medicare Supplemental Insurance Coverage in Texas

Posted on by Creative Programs and Systems

Texas Medicare supplemental insurance plans are series of insurance policies created to cover the gaps in medical expenses left by Medicare.

Medicare is a government program while private insurance companies supply Texas Medicare supplement plans. Although being private enterprises, they are still heavily regulated by Federal and state laws to ensure adequate protection for patients.

As the Medicare program will only cover regular doctor visits and some hospitalization, it does not provide for copayments, prescriptions, coinsurance, some procedures, or deductibles.

The Texas Medicare supplement insurance policies can help to bridge the gap left by Medicare coverage. Once you turn 65, you have what is called an Open Enrollment Period. If you are enrolled in Medicare Part B and have joined a Medigap plan within six months, the insurance company is required by law to give you coverage. So, be sure to enroll in a supplemental plan as soon as you can.

Due to the regulation by Federal and state laws, all insurance companies must offer the same benefits on each policy over all 50 states. However, this does not mean that all plans are available in all states.

In total there are 19 plans available, which are identified by the letters A through to N. Some policies have been dropped for new enrollees, which includes policies E, H, I, and J, but those with existing policies can continue to benefit from them.

Currently, Texas insurance companies are offering the plans A, B, C, D, F and G, and K through N.

State and Federal laws do not regulate the cost of Medigap coverage so costs can vary significantly among providers. Insurance companies are permitted to offer all ten available Medigap policies to seniors in Texas, as well as others who qualify for Medicare.

There also additional laws to ensure companies also offer insurance to every qualified senior while disregarding any and all pre-existing conditions.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/Texas.  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!

Medicare Supplemental Insurance- Texas

, , ,

Shopping for Medicare Supplemental Insurance Coverage in Tennessee

Posted on by Creative Programs and Systems - Updated

Residents of Tennessee who have enrolled in Medicare Part A and Part B will be able to take advantage of Medicare Supplement Plans – also known as Medigap or MedSupp. These plans can help cover out-of-pocket expenses not covered by Original Medicare.

Most state plans, including Tennessee Medicare supplement plans, have a standardized system which designates a letter against a plan type. Any plan with the same letter will offer the same range of benefits, although some companies may include a few extras to provide additional benefits to their customers.

Tennessee has ten standard plans available, but some are not available in all areas of the state. Even though each plan with the same designated letter covers the same items, there are benefits they all carry in common.

For instance, every plan will have Medicare Part A hospital coinsurance available for up to 365 days after your Original Medicare benefits are activated. Also, if you are looking for prescription drug coverage, you will want to look at Plan D. Even if you don’t have a lot of prescriptions, it will be nice in the future.

If you go with the lower cost Plans K and L, you will have higher out-of-pocket expenses. While most plans include the entirety of Medicare Part B coinsurance and copayments, Plan K will only cover 50% of those costs, while Plan L will cover 75%.

Tennessee also offers a custom Medigap plan to eligible retired public and education employees who also qualify for Medicare Part A. This plan may offer you a discount on your premium if you were employed as a public employee or educator for at least 15 years.

When shopping for Medicare plans in Tennessee bear in mind that not all plans will be available throughout the state. Also, take note that plans can and do vary in price from company to company and that lower premiums often equate to higher out-of-pocket expenses.

Learn more about Tennessee Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/Tennessee.  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!

Medicare Supplemental Insurance- Tennessee

, , ,

Shopping for Medicare Supplemental Insurance Coverage in Michigan

Posted on by Creative Programs and Systems

Medicare is health insurance provided at a federal level to citizens who are 65 years or older. It may also help with the costs for younger people who have disabilities, and individuals who have End-Stage Renal Disease.

Medicare is divided into sections to provide expense coverage for different services, but many find that it fails to meet all of their needs. Michigan Medicare Supplement plans & rates can vary depending on your situation, so the best place to find coverage suitable for you is to start at the official Medicare sites.

These programs will provide some assistance to those Medicare beneficiaries to help cover the costs of Original Medicare Part A and B, as well as copayments, deductibles, and coinsurance. However, they cannot be used to cover the costs associated with Medicare Part C.

Medicare has ten standardized Medicare Supplement plans available in 47 states, of which Michigan is one. Each plan can be identified by one of 10 following letters (A,B,C,D,F,G,K,L,M and N). Plans ending with the same letter provide the same benefits.

Those who have already enrolled in Original Medicare Part A and Part B are eligible for Medigap in Michigan.  The best time to start is on the first day you turn 65 and have been enrolled in Medicare Part B.

There is a six month period for enrollments during which time you cannot be denied coverage because of medical underwriting or health status. A few insurance companies will enforce a six-month waiting period before you can claim for pre-existing conditions.

Please be aware that Medigap in Michigan is not a replacement for Medicare, as it is purely a supplement that provides extra coverage. You will still need to continue payments into your Medicare Part B premium to remain eligible.

It’s also worth noting that Michigan plans also do not offer coverage for prescription drugs. If you need these, you should consider enrolling in the stand-alone Medicare Part D plan.

Learn more about Michigan Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/michigan.  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 888.404.5049 today!

Medicare Supplemental Insurance- Michigan

, , ,

How to Shop for Medicare Supplemental Insurance Coverage in Arizona

Posted on by Creative Programs and Systems - Updated

If you find that your Medicare coverage does not adequately cover all of your needs you can extend your coverage through Arizona Medicare supplemental insurance plans. These plans are also often referred to as Medigap, and they are specifically designed to fill the gaps left by Original Medicare Coverage.

The cover will vary depending on your choice of Medicare Supplement plans. They are not standalone products as they must be included with your Original Medicare. If you need stand-alone coverage, your best option is to go with a Medicare Advantage plan.

You have quite a few options available to you when shopping for Arizona Medicare supplemental insurance plans. Each plan has a designated letter, of which there are ten. Each lettered plan must supply the same benefits, regardless of the insurance company providing it. Having the same letter does not mean they all have the same cost, as that will depend on the company offering it.

It’s also worth noting that supplemental plans do not include additional care such as hearing, dental, or vision. Sometimes you may receive extra coverage while traveling overseas, but Arizona Medicare Supplement plans do not include coverage for prescription drugs. (Check out Medicare plan D for that)

On the first day of the month in which you turn 65, you become eligible to enroll in a Medicare Supplement plan. The six-month Medigap open enrollment period ensures you cannot be overcharged for pre-existing medical conditions, nor have medical coverage denied.

Once the open enrollment Period expires, all beneficiaries may enroll in a Medigap plan, but take note that coverage for pre-existing medical conditions will no longer apply.

Medicare coverage plans can be very similar in what they cover when they fall within the same plan type, but the costs can vary significantly among providers. Shoppers should start with the coverage they need and then work on finding the best price within that plan type.

Learn more about Arizona Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/Arizona.  Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 888.404.5049 today!

 

Medicare Supplemental Insurance- Arizona

, , ,

Customize Dedicated Truckload Services for Your Companies Logistic Needs

Posted on by Creative Programs and Systems

In our fast-paced global economy it’s even more vital that a business has access to reliable freight shipping services to get their products where they need to go, on time, and in good condition.

When a company needs a product shipped in a set time period, a delivery system that involves multiple handoffs, with trucks making multiple stops just can’t cope. Expedited freight shipping is the best way to ensure delivery of cargo that is timely in nature. With our modern time-sensitive economy expedited shipping is a booming industry.

While expedited shipping guarantees delivery (when businesses need it most) many organizations can still find it a challenge to secure a guaranteed delivery date during peak periods. As demand for capacity grows, there is an opportunity for freight companies to capitalize by offering dedicated trucking services.

The business of offering a dedicated trucking service is a booming market for several reasons.  Shippers are always worried about securing enough trucks to ensure delivery during peak times. Dedicated truckload services provide peace of mind as carriers guarantee capacity will always be available.

There are plenty of advantages for a business to use a dedicated trucking service. For one, it locks in the price, giving a company a clearer idea on operating costs. It also ensures a company always has guaranteed availability during peak periods; removing the guesswork and stress of securing freight from businesses that are cyclical in nature.

Truckload freight isn’t just a cyclical business; it’s a seasonal one as well. The assurance of demand that a committed trucking service provides means that trucking companies can give their dedicated customers a break in the typical pricing structure.

There’s plenty of value to be had from both sides of the equation when it comes to a dedicated truckload service, and as more businesses discover its worth, the industry is set to grow even further.

Learn more about Matrix Transportation and the transportation services they offer including: dedicated truckloads, JIT truckloads, less than truckload (LTL), same day expedited FTL and LTL, full truckload, warehousing, cross-docking, and trailer rentals at www.matrixtransportation.com  To contact one of our trucking experts call toll free 888.896.2405 today.

Matrix Transportation

, , , , , , , , , , ,

Tips & Tricks in Electrical Component Refurbishment

Posted on by Creative Programs and Systems

There can be a lot of money stored up in old equipment or machinery which is why many businesses are now partnering up with waste management companies to help them retain as much of their investment as possible.  Old buildings or buildings destroyed by natural disasters can still contain valuable materials which can be recovered and sold to either offset some of the cost of demolition or go towards the cost of refurbishment.

There are heaps of hidden electrical and industrial resources in every building to be reused or sold.  It’s important to take inventory and catalog all salvageable equipment and materials from a demolition or refurbishment project. For instance, lighting fixtures can be reused, and wiring and electrical switches can be sold.

An industrial electric recovery process should consist of three main stages. The first phase involves identifying all usable or saleable assets. The second involves identifying those materials which will be reused for other projects, and the final step is to sell the materials for which your business has no further use.

Buildings that went up a few decades ago had to comply with safety standards that were a lot less stringent than the ones in place today. Experts in electrical surplus recovery will ensure that everything that is salvageable is recovered in the safest manner possible, and make sure it is disposed of according to state regulations.

Electric surplus recovery may involve some destruction, but it also means you will recover some assets, be able to recycle valuable components and sell everything you can no longer use.  It’s important to use the best contractors you can find for the job as they will pay for themselves many times over by discovering everything that is recoverable, complete the job safely, and get you the best returns.

Learn more about J & P Electrical Company and their vast line of new, surplus, and refurbished industrial electrical components including: circuit breakers, bus ducts, bus plugs, disconnects, fuses, panel switches, tap boxes, and transformers at www.jpelectricalcompany.com.  To contact one of our product reconditioning specialists call 877.844.5514 today.

 

J & P Electrical Company

, , , , , , , , , ,

Importance of Using High Quality Human Biological Materials in Research

Posted on by Creative Programs and Systems

There’s no denying the value that quality human biological materials can provide to research, but with the increasing number of samples collected and stored every day the need to ensure the samples retain their level of quality is of paramount importance.

Further to that, there is an ethical responsibility to ensure that samples get used in a way that is most advantageous to society. Quality control systems need to be put in place at all stages, including collection, processing, and storage.

A detailed series of records and procedures applied to the samples will provide the information researchers need to understand how samples will be affected by the collection and storage methods. This process will also aid in determining the quality of the samples. The quality system allows researchers to determine if the human biological samples, such as plasma, remain fit for purpose.

Knowing what the samples are going to be used for plays a big part in how they are stored and collected. For instance, samples destined for use in human treatment will require a higher standard than samples collected primarily for research purposes.

A collection and storage system should not just outline how a sample is collected but also how it is transported, and any and all processes applied to it to facilitate the transport.

A biobank of tissue resources, where researchers have a large sample base to conduct research from, can have massive benefits for society.  However, varying standards in regards to quality and the data collected between facilities can mean that samples get lost or forgotten.

To minimize the impact this can have on sample quality and availability an independent body needs to have some input into how tissue samples are processed and managed. Two standards developed by the National Cancer Research Institute’s (NCRI) and Confederation of Cancer Biobanks (CCB) go a long way to ensuring the high quality of samples. They also use a high level of transparency in regards to their collection, storage, and use to increase public confidence.

Learn more about Innovative Research and our high quality research materials including human, plant, and animal biological, ELISA & Assay Kits, proteins, antibodies, cell cultures, blood, serum, plasma, and more.  More information can be found at https://www.innov-research.com/ or by calling 248.896.0145.

Innov-Research

, , , , ,

Mistakes to Avoid when Installing an Aluminum Fence & Gate to your Backyard

Posted on by Creative Programs and Systems

There’s a style of fencing to suit everyone. Some prefer the classic look of wood, while others enjoy the rustic air of wrought iron. Both are good choices, but for durable, reliable, and relatively maintenance free fencing you can’t go wrong with an aluminum fence.

There’s more to installing an aluminum fence and aluminum gates than just digging a few holes and cementing them in.  Here are some of the most common mistakes people make when installing new aluminum fences in their backyard.

The number one mistake most DIY fence installers make is in finding out where their property ends and the neighbors begin. Before you dig your first fence post hole, you should have your plat (a map showing the divisions of a piece of land) firmly in hand.

The plat will indicate the borders and prevent any future disputes that may result in you being forced to tear out your shiny new aluminum fence to start again. Of course, it may also go the other way, and you could be giving your neighbor more land than they rightfully own.

Many DIY homeowners who decide to install an aluminum fence neglect to check their local zoning laws. More often than not there are height limitations as to how high or low you can build.

There may also be boundary line issues as some locations restrict building fences directly along the boundary and others that require an offset. Pool fences with aluminum gates may also have various safety regulations applied to them so follow them to be sure your installation stays compliant (and keeps your family safe).

Aluminum is reasonably lightweight but the posts still need to stand against all that mother nature has to throw at them such as high-speed winds, rain, snow, and all while keeping the fence panels firm and secure. To ensure stability and a long working life ensure you set your posts in holes that are deep enough to prevent your installation from collapsing.

Aluminum gates can be particularly problematic for the inexperienced builder. Make sure you measure multiple times, account for hardware deductions, and always use sturdy hinges to hang the gate.

Keep these tips in mind when installing a fence yourself, and you will be well on the way to creating a long-lasting and attractive border to your property.

Learn more about iFence USA and their vast line of custom aluminum fencing options with various grades of aluminum fence to choose from including: Commercial Grade Aluminum Fencing, Residential Grade Aluminum Fencing, Pool Grade Aluminum Fencing, and Industrial Aluminum Fencing at www.ifenceusa.com.  To contact one of our aluminum fence experts call toll free 800.762.2907 or via email at info@ifenceusa.com.

iFenceUSA

, , , , , , , , , ,