Exclusions, Terms, Conditions, And Limitations To Watch Out For In A Health Insurance Policy

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By Carlos Diez

When purchasing health insurance one has to be carefully prudent regarding expectations on payable benefits. There are a multitude of websites online on the internet that are fabricated to represent spectacular coverage while simultaneously being elusive about displaying terms or conditions as well as exclusions and limitations. Not reading the fine print can leave you stuck with the bill and out hundreds or even thousand of dollars.

In this article we will assume that the general reader reading this text has no preexisting conditions. If preexisting conditions are present we encourage the reader to review other articles previously written by us, as they expand on the subject in greater depth and detail.

What To Look Out For.

(1) Expenses incurred by a covered person for the treatment of tonsils, adenoids, middle ear disorders, hemorrhoids, hernia or any other disorders of the reproductive organs and will not be covered during the covered persons first six months of coverage under the policy certificate.

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The key word to this exclusion is “reproductive “and is very applicable to males as well as females attempting to visit a general practitioner or obstetrician for a check up during the initial first few months of their benefit period. This is probably one of the most common exclusions on most policies and is responsible for most claim denials for females between the ages of 18 – 35 according to Ingenix, a United Health Care company that aggregates claim expenditure data.

(2) For charges related to or in preparation for tissue or organ transplantation.

Most of us obtain major medical health insurance in order to protect ourselves and family for unforeseen catastrophic losses. This exclusion is implicit in an abundance of policies sold in the individual private healthcare market and is responsible for most of the lawsuits circulating within industry today.

(3) The contract holder or member may be terminated with prior written notice by the insurer if contracted deductible or coinsurance amounts are not satisfied within 30 calendar days from the data of service where healthcare services were obtained.

There are a lot of proponents sharing a consensus or deductive reasoning that in the state of this economy one could achieve affordable health insurance on a typical managed care preferred provider organization by simply raising your deductible. Before following and ensuing the advice ask about this provision. Paying for healthcare premiums only to have a termination letter on a otherwise non-cancelable policy for failure to meet this requirement is more than a slap in the face, chances are now you are dropped off the plan without being covered and are considered to have a pre-existing condition as well.

What To Do.

If you are discussing a healthcare policy with a licensed insurance agent in person or over the phone ask about terms and conditions. Concentration on benefits and price is sometimes irrelevant if the general limitations and exclusions stipulated within the policy certificate is not beneficial to you.

About the Author: Carlos Diez is a senior benefits consultant for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. He holds life, health, and annuity licenses in 48 states and is appointed with over 88 carriers.

. Get a no obligation free quote with a discounted reduced rate today.



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Uncategorized January 13th 2016

South African prosecutors charge ANC leader Jacob Zuma with corruption

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Saturday, December 29, 2007 


Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

Uncategorized January 13th 2016

Calhoun Ga Homes For Sale

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Submitted by: Steve Goodman

Calhoun is a quickly growing community in beautiful northwest Georgia. Its mix of country atmosphere with modern conveniences makes Calhoun a great place to settle down. Located nearly equal distances from Chattanooga and Atlanta, Calhoun is fast becoming the place to be for business people who find themselves traveling to both cities frequently. There are still many new and previously lived-in homes for sale in Calhoun, GA.

The unique beauty of Calhoun is owed to its placement along the Oostanaula River and its pristine country farm lands located just outside of town. John’s Mountain is also a short drive away in Sugar Valley and features camping, picnic areas, and historic hiking trails.

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Calhoun is also a hotbed of history. It contains New Echota, which was the capital of the Cherokee Nation. New Echota is still maintained today and provides visitors with a wonderful educational experience. Sequoyah, inventor of the Cherokee Syllabary, was a native of New Echota. Another notable resident is Roland Hayes. Hayes is regarded as the first African American male concert artist to achieve international fame. The Roland Hayes Museum in Calhoun honors him today. Also of note is historic downtown Calhoun. This shopping district is located downtown by the courthouse and is homes to several businesses and the restored GEM theatre.

If you like shopping then Calhoun has you covered. There is a large outlet center located just off I-75 which contains stores like Old Navy, Nike, and Tommy Hilfiger. There are also countless locally owned businesses located in Calhoun selling everything from outdoors equipment to sports memorabilia. If you need it, you can probably find it in Calhoun. Since Calhoun is located within driving distance to so many other larger cities, you get all the benefits of living in a big town with none of the drawbacks.

When you re done shopping it ll be time for some lunch! Calhoun has tons of choices when it comes to food. If you want something quick you can head over to Highway 53 where you will find many choices of popular chain restaurants and fast food places. If you really want a taste of local flavor you should check out Dub s High On The Hog BBQ near historic downtown Calhoun. You won t find better barbecue anywhere.

Because of its natural landscape and open spaces there are lots of outdoor activities available to residents of Calhoun. Many active recreation leagues organize sports for every season. Soccer, football, baseball Calhoun even has its own motocross track and multiple golf courses. And if you re an outdoorsman you can take advantage of the many great fishing and hunting areas around town. There s never an excuse to be stuck inside when you live in Calhoun.

If you re thinking of moving to Calhoun then you have picked a great time to do so. The city is as vibrant as ever and is ready to accommodate new residents. Whether you want quiet country living or a downtown home close to the action there are many homes and lots available in prime locations. Come on by and stay a while.

About the Author: Steve Goodman is a writer and a resident of Calhoun. For more information about Calhoun and Northwest Georgia check out

Calhoun GA Homes For Sale



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Uncategorized October 25th 2015

James Brady, former White House press secretary, gun control advocate, dies at 73

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Tuesday, August 5, 2014 

James Brady, former White House Press Secretary for the Ronald Reagan US presidential administration and advocate for gun control, died yesterday at age 73 in an Alexandria, Virginia retirement community. The family released a statement saying, “We are heartbroken to share the news that our beloved Jim ‘Bear’ Brady has passed away after a series of health issues”. Brady was a few weeks shy of his 74th birthday.

Brady was serving as President Reagan’s press secretary when he was the most seriously wounded out of four, in a assassination attempt on Reagan by John Hinckley, Jr. on March 30, 1981. Brady was shot in the head by a hollow-point bullet damaging his right frontal lobe. Dr. Arthur Kobrine, a neurosurgeon, operated on Brady to save his life. Brady survived but was left with brain damage, slurred speech, short-term memory loss, and partial paralysis which required use of a wheelchair.

Following the assassination attempt, Brady and his wife Sarah joined with The Center to Prevent Handgun Violence, and Handgun Control, Inc., two organizations lobbying for gun control. The organizations were later renamed in honor of Brady, as Brady Center to Prevent Gun Violence and the Brady Campaign to Prevent Gun Violence respectively. The organizations lobbied for the Brady Handgun Violence Prevention Act, a law passed in 1993 which requires federal background checks on firearm purchasers in the United States.

Brady never again held press conferences after the assassination attempt; nevertheless, he officially remained press secretary throughout the entire Reagan administration, till 1989. In 2000, the White House press briefing room was renamed after Brady. Josh Earnest, President Barack Obama’s current press secretary, along with eleven other former White House press secretaries said in a statement, “Jim Brady defined the role of the modern White House Press Secretary. With his passing we lost a friend and mentor, and the country lost a selfless public servant who dedicated his life to service, even in the face of tragedy. […] Jim set the model and standard for the rest of us to follow. It’s been a genuine honor for each of us to stand at the podium in the briefing room that will always bear his name.”

Uncategorized October 21st 2015

England’s elderly face human rights breaches in home care system

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Wednesday, November 23, 2011 

A report published today by the Equality and Human Rights Commission (EHRC) finds that, in many cases, England’s home care system breaches the human rights of the elderly it is supposed to serve. The Close to home: older people and human rights in home care report is the result of a twelve-month investigation into care generally provided by local authorities.

Approximately half of those receiving home care, plus friends and family, providing evidence to the inquiry were satisfied with the quality of care provided. However, the report stresses that there are “systemic problems” arising from “a failure to apply a human rights approach to home care provision”. The report asserts that it is generally not the fault of individuals providing care, but serious problems exist as local authorities seem unaware of their obligations under the Human Rights Act and fail to commission, procure, and monitor care accordingly.

The report says articles two, three and eight of the European Convention on Human Rights are frequently being breached. These, respectively, cover an individual’s right to life, protection from inhumane and degrading treatment, and respect for dignity and personal independence. Criticisms include that care is not provided in a common-sense manner, and funding of care for the elderly is at lower levels than for younger people with similar problems and needs.

The EHRC’s investigation highlights a range of recurring complaints and attempts to identify the underlying causes; cost is repeatedly mentioned, with use of the private-sector leading to some local authorities offering a “one size fits all” service leaving many elderly feeling they are “a task to be undertaken” and have “little or no choice” as to help received, or when care workers visit. A failure to invest in care workers is noted, with significant responsibility and the wide range of skills required being rewarded with low pay and status; this, the report states, adversely impacts staff retention and, a high turnover of care workers can put the security of care recipients at-risk.

Within the wider investigation, a commissioned independent social report by The Arndale Centre conducted in-depth interviews with a cross-section of 40 elderly individuals receiving home care. As-stressed in the report, those selected were not on the basis of good, or bad, experiences with their – mainly local authority-provided – care. It highlights a widespread feeling amongst those interviewed that they are treated “like a number”, and that aspects of the care provided lead to, or fail to resolve, feelings of social isolation.

The Manchester-based Arndale Centre report concludes that, “[t]he general picture is of a wider home care system in which older people are not effectively involved: which they do not understand, and which does not often make the extra effort required to involve them in ways tailored to their state of health and other needs”.

A recurring theme in the responses of those interviewed is the social isolation that their home care is not adequately addressing. One male interviewee in his seventies who previously used a scooter to get about said in his interview, “I haven’t been out of the house now for about four weeks. I daren’t. The last time I went out on the scooter I hit the kerb and it frightened the living daylights out of me.” Another, an 85-year-old woman who lives alone, expressed sadness at her inability to do normal things, “I would love to go to town to do some shopping. I haven’t been to town for about two years… Wander round the town and have a cup of tea… I’d love that.”

The social isolation many elderly experience was summed up neatly by another woman in her eighties in her interview: “When you go now, I will maybe not talk to anybody till tomorrow; maybe the whole of tomorrow nobody to talk [to]… face to face. Nobody will knock on that door, that is it, a life of isolation.”

The EHRC, having commissioned this report in the face of funding changes and reform of the care system, intends to press for legislative changes to ensure those receiving care at home are given the same protections under the Human Rights Act as those in residential care. In the conclusions of their report they offer to work with, and support, local authorities in understanding and delivering care that respects peoples’ rights and dignity; and, recommend better guidance as to the choices available to the elderly, and their families, be made available.

Uncategorized October 21st 2015

Download Finding Nemo 3 D Movie | Watch Movie Online

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Download Finding Nemo 3D Movie | Watch Movie Online



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Uncategorized August 2nd 2015

Two veteran actors to depart beleaguered soap ‘Days of our Lives’

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Friday, November 21, 2008 

One week after the eleventh-hour renewal of the American soap opera Days of our Lives, NBC, the network airing the series in the United States, has let it known that the renewal has come at a price, namely a lower one. As a result of further cost-cutting measures to keep the show afloat through September 2010, two of the longest-running actors on the serial have had their contracts severed.

Deidre Hall and Drake Hogestyn, who have played the characters of Marlena Evans and John Black for decades, have taped their final episodes and have been officially released from their obligations at Days of our Lives. When contacted by Wikinews, Days publicist Daniela Mancinelli commented “Days of our Lives has decided to rest the characters of ‘John Black’ and ‘Marlena Evans.’ After a year of separation, ‘John’ and ‘Marlena’ will finally reunite before exiting the canvas in early 2009.”

The surprise renewal of the serial and the high-profile terminations come at an awkward time for the show, because, despite improving on ratings numbers this year and being the only soap opera not to lose viewers, it was highly expected that the series would simply end its run once its contract ran out in March of next year. In early 2007, at a fall preview unveiling for reporters, NBC president Jeff Zucker made a statement indicating that the show would not be renewed past 2009.

The renewal was apparently contingent on lowering overall budget numbers, which includes either lowering salaries for actors or terminating them completely. One actor, Jay Kenneth Johnson, who plays the character Philip Kiriakis, left of his own accord earlier this week after being asked to take a voluntary pay cut in exchange for a contract renewal.

Longtime fans of the series are upset at the cast upheaval, with The Tampa Tribune noting loud fan protest on message boards devoted to the drama series. The New York Daily News told readers that next week there will be more news about the current budget situation facing the series, and more potential cast layoffs to be announced. Days publicist Daniela Mancinelli, after being contacted by Wikinews, said that she does not comment on the status of actors’ contracts.

Uncategorized August 2nd 2015

Tour de France: Alexandre Vinokourov wins stage 15

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Monday, July 23, 2007 

Alexandre Vinokourov of Kazakhstan has won stage 15 of the 2007 Tour de France in a time of 5h 34′ 28″.

Michael Rasmussen of Denmark kept his overall lead by 2′ 23′ over Alberto Contador of Spain. The two extend their lead on Cadel Evans of Australia by 1′ 37″, and more on the rest of the contenders.

Today’s 196 km stage is one of the major stages of the Tour, with no fewer than five major mountain passes – including the Col de Port, the Col de Portet d’Aspet (5.7 km climb at 6.9%), the Col de Menté (7.0 km climb at 8.1%), the Port de Balès (19.5 km at 6.2%), (the first time this climb has featured in the Tour), and finally the Col de Peyresourde (9.7 km climb at 7.8%) with a downhill finish in Loudenvielle.

Tomorrow is a rest day for the Tour.

Uncategorized August 2nd 2015

Auto Tweets

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Submitted by: John Eberhard

by John Eberhard

I ve been using the Tweet Adder software for some time now to add more followers for my own Twitter account and those of a number of my clients. It has an auto tweet function that allows you to set up messages that you want to go out to your Twitter followers on an automated basis.

Tweet Adder also allows you to set up an automated email message that goes out to people saying Hey thanks for following me when they follow you. I think that s one of the worst cases of wasted bits and bytes in the history of computing so I m not talking about that.

The feature I m talking about allows you to set up automated messages to go out to all your Twitter followers. You can set up as many as you want, and then determine how many of them will go out per day.

I had never used this feature until a friend told me he was doing it and it was causing significant traffic to his web site. So I decided to give it a try, and I ve been running automated tweets for my own account and five other accounts, for a couple of weeks. And I see after checking Google Analytics that it is starting to generate traffic.

On one of the accounts I ve got around 40 auto tweets set up, and then it is set so that 20 of them show per day. So that way they cycle through every other day, not the same ones every day. You can also set the time between the messages so I set that at 15 minutes.

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The question some people may ask is Doesn t that make it look like those messages are automated? Can t people tell it is a bot doing it? Well yeah, that s possible. But I doubt that most people would be on Twitter long enough or frequently enough to notice that. Especially if you keep adding more messages over time so there is less frequent repetition of the messages.

So the next question would be, What type of messages should I send out? Always the helpful soul, I have come up with a list of the types of things you should send out.

1. Link to Articles: If you have a blog or information articles on your web site, then just write out the title of the article in quotes, then a link to the article. For the link use a URL shortener like www.goo.gl, because you only get 140 characters on Twitter. If you have lots of articles you have written, do one auto tweet for each.

2. Link to Free Reports or White Papers: If you have any free reports or white papers that you are offering, then say something like Download my free white paper Marketing with Social Media http://goo.gl/Vqx6N .

3. Links to Your Email Newsletter Signup: If you offer a free email newsletter, promote it via Twitter, with a little blurb explaining what the newsletter is about and a link to the signup page. Remember, only 140 characters.

4. Links to Videos: If you have some videos about your company on YouTube, write a short blurb about the video and include a link to it.

5. Products or Services: Do an auto tweet for each of your products or services. Write a short explanatory blurb about the product or service, then include a link to the page on your web site that is about that.

6. Testimonials: Do an auto tweet linking to your testimonials page.

7. Facebook: Ask your Twitter followers to be your Facebook friend or to like your fan page and include a link to your Facebook profile or fan page.

8. LinkedIn: Ask people to connect to you on LinkedIn.

9. Events: if you re holding some special event like a seminar or webinar or something like that, do an auto tweet, but make sure to take it out of your list after the event is over.

That s not meant to be a complete list, but it can definitely get you going. Then let the traffic begin. Good luck with your social media marketing.

About the Author: John Eberhard is President of


, (


) an internet marketing company, offering web & blog design, SEO, pay-per-click advertising, social media and email marketing. He is author of The Internet Marketing Super Book available at




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Uncategorized July 3rd 2014

How To Choose A Web Design Company In Manchester

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Submitted by: Guava Studios

A specialized web design company is the key of your business online. There are a lot of online website design companies who can do the job for you in no time.

However, you make sure that you hire experienced, loyal and skilful web design Liverpool to provide you with a wonderful and proficient website design.For your business noticed on a global proposal, you need to have a professional web design company. A good web design company with all the expert designers, creative writers, programmers, etc they will be capable to create a remarkable website for you.

How to Choose a Web Design Company?

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If you choose a best web design company, find out all the information about the company. A very good web design Liverpool is one that works methodically, logically. All through the web designing procedure from start to achievement they should work together with you of your business, and all you re outsourcing issues such as your goals, descriptions, calls to action and usability of the website design.

While choosing Web Design in Manchester, make sure that they use industry standard software that are easy and comfortable to use. Going through the portfolios will give you an idea about the company s work, the type of clients they are skilled to handle, their creativity and customer service levels. Reputed online web design companies are well equipped to plan, develop, test and deliver the most suitable website design for your business within your budget and timescale.

By outsourcing your web design Cheshire, Web Design Liverpool you will be saving time and money while increasing your opportunity to sell your products and services to customers around the world.Reputed online web design companies are well equipped to plan, develop, test and deliver the most suitable website design for your business within your budget and timescale. By outsourcing your web design Cheshire, Web Design Liverpool you will be saving time and money while increasing your opportunity to sell your products and services to customers around the world.

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Uncategorized May 31st 2014