Deductible

healthcare services. The insurers are manipulating the Medical Loss Ratio to include the bookkeeping and other non-care activities as a medical expense. Lot of people are paying the premiums for the insurance but cannot afford using it due to high deductibles. By mandating that all health-insurance policies are supposed to cover all types of treatments, regardless of whether the patient really wants or needs them, the law is leading an increase in everyone’s cost across the board. As the costs…

fire and flood emergencies, structural damage and full replacement cost of the building. We strongly recommend you purchase contents and liability coverage to protect your personal possessions and to protect against legal actions and insurance deductible charge backs resulting from accidents occurring within your suite. If you have upgraded your suite in any way (added wallpaper, upgraded flooring, etc.) you also need to purchase coverage for the upgrades. We suggest you speak with your…

The taxpayers of the countries that operate using universal health care pay for the health insurance of everyone. This means that everyone is entitled to health care without paying deductibles or flat rates. Even though everyone is entitled to tax paid insurance the wait times to see a doctor are excessive, and the lack of specialized doctors and treatments is an issue of its own, because of the lack of available treatments Americans…

401K’s and Retirement plans 401K is a very important investment tool and a very important retirement tool. Along with the 401k there are also IRA’s or Roth IRA’s. All of these are great investment tools for your use after retirement. No matter what retirement plan you go with weather it is a 401K, IRA or a Roth IRA you should always do your research and make an educated decision as to which one will be better for you now and any time along your life even after you retire. A 401K is most often…

The health care delivery system has changed its focus from ordinary health care to community level health care due to rapidly evolving society as well as health care. Due to significant changes in health care systems along with nation’s health agendas and health policies, the emphases is leaning towards the prevention of disease in the community. It is very important for all physical therapists to understand and incorporate community health education activities into their professional practice…

Chafin’s legal fees. The donations were tax deductible and made out to ‘Operation Eris’. There were multiple news stories over several national and international outlets. The family’s personal business was out there for everyone to see and read about. The parents made that decision for Eris and she…

Insurance companies might revise the coverage or deductible causing an office providing healthcare to alter their procedures. If the economic condition sector contains a weak economy, with a high unemployment rate, patients are not able to afford copays for the service and as a result put off getting medical…

Herzberg’s Two-Factor Theory is used to determine the influence of intrinsic and extrinsic job satisfaction factors (Baylor, 2010, pp. 5). These factors contribute and determine a person’s job satisfaction or dissatisfaction. If an employee finds any particular factors motivating and/or rewarding, then the results can be a positive reaction to their job satisfaction. Intrinsic job satisfaction factors are motivating factors. These motivating factors are based on, but not limited to,…

So they came out with Modigliani & Miller (1963) which suggests that firms should employ maximum debt to avail the benefits of tax deductible interest payments. Thus, tax savings connected with debt reduce the cost of capital. Thus, if cost of capital is affected due to change in proportion of debt and equity then capital structure management is clearly an important area of research.…

Long Term Care When designing a plan for LTC wants and needs, it is solely concerning money problems and wondering how the patient and/or family will pay for the services. It includes alternative vital factors, like all care choice, current living arrangements, lifestyle, legal problems and residential modifications if any. If financial problems are not thought through, it then becomes an issue and gets difficult to set up for these considerations. For instance, choices for care becomes…