Certificate Of Creditable Coverage For Texas Health Insurance

By Tim Jarvis

The term “creditable coverage” and the resulting document titled Certificate of Creditable Coverage are the products of the Health Insurance Portability and Accountability Act (HIPPA) of 1996. HIPAA was originally sponsored by Sen. Edward Kennedy (D-Mass) and Sen. Nancy Kassebaum (R-Kan) and is comprised of two sections Title 1 and Title II. Title I of HIPAA protects health insurance coverage for insured members and their families when they change or lose health insurance coverage. Title II, known as the Administrative Simplification (AS) provisions, requires the establishment of national standards for electronic health care transactions.

The term “creditable coverage” is the coverage requirement in order for an individual to realize a reduction in the exclusion period placed on benefits when enrolling in a new health insurance plan. Health insurance plans may restrict benefits relating to a preexisting condition for a period of up to 12 months after enrollment in the plan. However, if the individual has maintained creditable coverage prior to enrolling in the plan and did not experience a “significant break” in coverage, the exclusion period may be reduced or eliminated. “Creditable coverage” is defined quite broadly and includes nearly all group and individual health plans, Medicare, and Medicaid. Short-term or temporary health insurance coverage typically does not meet the requirement of “creditable coverage”, although some carriers will accept short-term coverage as “creditable coverage.”

A “significant break” in coverage is defined as any 63-day period without any creditable coverage. A gap in coverage of less than 63 days does not jeopardize the “continuous coverage,” but it is important to maintain a short-term health insurance policy if there is going to be a gap between two health plans.

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The Certificate of Creditable Coverage is the accepted documentation in order to confirm an individuals prior health insurance coverage. A Certificate of Creditable Coverage indicates each individual who was covered by the health plan and the length of time each individual was continuously covered under the health plan.

A common misunderstanding regarding the purpose of a Certificate of Creditable Coverage is that the document qualifies an individual for guaranteed issue coverage with full access to benefits related to a preexisting condition. The Certificate cannot fulfill this purpose because individual health insurance plans are subject to medical underwriting which may establish eligibility requirements excluding individuals with prior health issues. The Certificate of Creditable Coverage also does not eliminate or reduce a rider assigned to coverage that deals with a specific health condition. A rider is either a permanent or temporary waiver of benefits related to a specific health condition. A rider is an alteration of an insurance contract between the insured member and the insurance carrier. The Certificate of Creditable Coverage does not nullify the rider assigned to the coverage.

Certificates of Creditable Coverage are generated by the health insurance carrier after the termination date of coverage. When you receive a Certificate of Creditable Coverage be sure to check the document for accuracy. Individuals covered by the health plan should be listed with the start date and stop date of coverage included.

To illustrate the application of the Certificate of Creditable Coverage, assume an individual enrolls in a health plan on January 1, 2010. The individual was previously insured under another plan from January 1, 2009 until February 1, 2009 and from August 1, 2009 until December 31, 2009.

To determine the value of the creditable coverage and how much prior coverage can be credited against the exclusion period in the new plan, start at the enrollment date and count backwards until you reach a significant break or gap in coverage. Counting backwards would result in five months of coverage between August 1, 2009 and December 31, 2009, which would reduce the exclusion period by the same number of months. But a gap in coverage was experienced between February 1, 2009 and August 1, 2009 of greater than 63 days. Because the gap in coverage is greater than 63 days and would meet the definition of a “significant break” in coverage, no coverage prior to it can be used to reduce the exclusion period. The covered individual could deduct five months from the exclusion period, reducing the exclusion period to seven months.

The Certificate of Creditable Coverage should not be overlooked, because it serves an important administrative function to document your prior coverage. If you have questions concerning the Certificate of Creditable Coverage contact Stateside Insurance Services or the carrier responsible for providing you with the Certificate of Creditable Coverage.

About the Author: Texas Jarvis is a licensed Texas health insurance broker with extensive knowledge of the Individual and Small Group health insurance markets in Texas.

Texas health insurance quote Source: isnare.com

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Hard drugs temporarily legal in Ireland due to constitutional loophole

Wednesday, March 11, 2015

Leo Varadkar, Ireland’s Health Minister, introduced emergency legislation in the lower house of the Irish parliament yesterday evening, to negate the legal loophole created by a decision from Dublin’s Court of Appeal that morning. Various hard drugs — including ketamine, ecstasy, and magic mushrooms — were rendered legal, following the law governing their prohibition being found to be unconstitutional.

The drug possession case of Stanislav Bederev led to the legal loophole; his lawyers arguing the 2010 addition of several drugs to the country’s controlled substances list, governed by the Misuse of Drugs Act, 1977, was unlawful. They contended it was unconstitutional to add these substances to the list without consulting the Oireachtas — i.e., parliament.

The Irish government is stressing the urgency of parliamentary legislation to rectify the situation. “It is now important from both a public health and criminal justice perspective that the legislation be enacted as soon as possible”, said a government spokesperson. The Health Minister expressed concern both for the welfare of individuals taking advantage of the temporary legality of the substances involved, and for drug-related convictions handed down since the now-unconstitutional changes came into effect.

“The emergency legislation I am introducing today will re-instate the status quo ante and re-control all drugs that were controlled prior to this judgment”, said Mr Varadkar.

Retrieved from “https://en.wikinews.org/w/index.php?title=Hard_drugs_temporarily_legal_in_Ireland_due_to_constitutional_loophole&oldid=4418596”

U.S. team unveils plans for F1 entry in 2010

Wednesday, February 25, 2009

A United States-based operation, known now as USF1, has unveiled plans to join the Formula One motor racing series beginning in the 2010 season. Team principal Ken Anderson and sporting director Peter Windsor officially launched USF1 in a live press conference broadcast on the US television channel Speed.

Ken Anderson has previously worked for the Ligier and Onyx Grand Prix Formula One teams, and most recently held the position of technical director for the Haas CNC Racing team in the American NASCAR series. Windsor has previously been general manager at Scuderia Ferrari and team manager for WilliamsF1 before taking up his current role as a journalist and reporter for the Speed channel.

USF1 would be based in Charlotte, North Carolina in the United States, unlike all eleven teams that participated in the 2008 Formula One season, which are based in Europe. Anderson also expressed a preference for the team’s drivers to be of American nationality. They confirmed that they do not yet have an engine supply contact but expressed a desire to contact all existing Formula One engine builders before signing one.

The team expressed an intention to be more open to fans than current Formula One teams in order to appeal to the US market. The possibility for fans to tour the factory and see the car being built as well as television shows showing the inner workings of the team were suggested. Windsor claimed that the team had received the backing of both Max Mosley, the president of Formula One’s governing body, and Bernie Ecclestone, president of Formula One’s commercial rights holders. No details were given on the team’s financial backers, however.

Retrieved from “https://en.wikinews.org/w/index.php?title=U.S._team_unveils_plans_for_F1_entry_in_2010&oldid=2541414”

Automobile Insurance In Highland In

Submitted by: Mildred Daniel

Finding the best auto insurance quotes in Highland IN is quick and simple. You can easily find an insurance company that will protect your car for an affordable price.

Car insurance in Highland IN is important no matter what type of car you drive. Whether you just purchased a new car, or you found a great used car for your teenage driver, you need to make sure you have the coverage you need. There are many different types of insurance to choose from and comparing auto insurance quotes in Highland IN will ensure you get the best deal for budget.

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Once you begin looking for auto insurance in Highland IN you need to gather together the required information. You will need the make, model and year of your car. You will also need the address where the automobile will be garaged and the name and age of all of the drivers in your household. After you have all of this information together, you will be ready to search for auto insurance quotes. Highland IN is close to the city of Chicago and if you commute back and forth into the city, you may pay a little more for your insurance coverage. If you have a tight budget, and you do not have a lot of extra money to spend on car insurance, compare many quotes until you find one you can afford.

It may be confusing when you begin looking for auto insurance in Highland IN. You will need to choose between liability and full coverage and which extras you want to include with your car insurance. Highland IN gets a lot of snow and hazardous weather during the winter. If you use your vehicle to get to and from work or school, you may want to choose a full coverage policy. With this type of insurance you will be able to get your own car repaired as well as the other vehicle involved in an accident. If you just purchased the car and you are making payments to a bank, you will also be required to carry full coverage. Although this type of insurance costs a little more, it is worth the peace of mind.

Liability coverage is a more cost effective policy especially if your car has seen better days. When you purchase this type of policy, you will be able to fix the other person’s car that was involved in the accident, but you will not be able to claim the damage to your own vehicle. Drivers choose this type of coverage because it is less expensive auto insurance. Highland IN law states that you must carry at least liability coverage if you are going to drive a vehicle in this state. If you want the most affordable basic policy, get a quote for this type of coverage.

There are many types of extra coverage you can choose when purchasing car insurance in Highland IN. If you do not want to worry about changing a tire or running out of gas, you may want to add roadside assistance to your policy. For just a few extra bucks a month, you will gain peace of mind. You may also want to include a rental car rider as part of your coverage. If this is the only car for you and your family, having to go without transportation can be stressful. Instead of relying on friends and family to give you a ride while your car is in the shop, add rental coverage to your automobile insurance in Highland IN.

About the Author: Find out more about car insurance Highland IN. Get more information on auto insurance Highland IN and auto insurance quotes Highland IN. Visit:

browninsgrp.com/auto-insurance

Source:

isnare.com

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AMD files antitrust lawsuit against Intel in US federal district court

Wednesday, June 29, 2005

AMD filed an antitrust complaint against Intel Corporation two days ago in U.S. federal district court for the district of Delaware under Section 2 of the Sherman Antitrust Act, Sections 4 and 16 of the Clayton Act, and the California Business and Professions Code.

According to the complaint, Intel has unlawfully maintained its monopoly by, among other things:

  • Forcing major customers such as Dell, Sony, Toshiba, Gateway, and Hitachi into Intel-exclusive deals in return for outright cash payments, discriminatory pricing or marketing subsidies conditioned on the exclusion of AMD;
  • According to industry reports, and as confirmed by the JFTC in Japan, Intel has paid Dell and Toshiba huge sums not to do business with AMD.
  • Intel paid Sony millions for exclusivity. AMD’s share of Sony’s business went from 23 percent in ‘02 to 8% in ‘03, to 0%, where it remains today.
  • Forcing other major customers such as NEC, Acer, and Fujitsu into partial exclusivity agreements by conditioning rebates, allowances and market development funds (MDF) on customers’ agreement to severely limit or forego entirely purchases from AMD;
  • Intel paid NEC several million dollars for caps on NEC’s purchases from AMD. Those caps assured Intel at least 90% of NEC’s business in Japan and imposed a worldwide cap on the amount of AMD business NEC could do.
  • Establishing a system of discriminatory and retroactive incentives triggered by purchases at such high levels as to have the intended effect of denying customers the freedom to purchase any significant volume of processors from AMD;
  • When AMD succeeded in getting on the HP retail roadmap for mobile computers, and its products sold well, Intel responded by withholding HP’s fourth quarter 2004 rebate check and refusing to waive HP’s failure to achieve its targeted rebate goal; it allowed HP to make up the shortfall in succeeding quarters by promising Intel at least 90% of HP’s mainstream retail business.
  • Threatening retaliation against customers for introducing AMD computer platforms, particularly in strategic market segments such as commercial desktop;
  • Then-Compaq CEO Michael Capellas said in 2000 that because of the volume of business given to AMD, Intel withheld delivery of critical server chips. Saying “he had a gun to his head,” he told AMD he had to stop buying.
  • According to Gateway executives, their company has paid a high price for even its limited AMD dealings. They claim that Intel has “beaten them into ‘guacamole’” in retaliation.
  • Establishing and enforcing quotas among key retailers such as Best Buy and Circuit City, effectively requiring them to stock overwhelmingly or exclusively, Intel computers, artificially limiting consumer choice;
  • AMD has been entirely shut out from Media Markt, Europe’s largest computer retailer, which accounts for 35 percent of Germany’s retail sales.
  • Office Depot declined to stock AMD-powered notebooks regardless of the amount of financial support AMD offered, citing the risk of retaliation.
  • Forcing PC makers and tech partners to boycott AMD product launches or promotions;
  • Then-Intel CEO Craig Barrett threatened Acer’s Chairman with “severe consequences” for supporting the AMD Athlon 64 launch. This coincided with an unexplained delay by Intel in providing $15-20M in market development funds owed to Acer. Acer withdrew from the launch in September 2003.
  • Abusing its market power by forcing on the industry technical standards and products that have as their main purpose the handicapping of AMD in the marketplace.
  • Intel denied AMD access to the highest level of membership for the Advanced DRAM technology consortium to limit AMD’s participation in critical industry standard decisions that would affect its business.
  • Intel designed its compilers, which translate software programs into machine-readable language, to degrade a program’s performance if operated on a computer powered by an AMD microprocessor.
Retrieved from “https://en.wikinews.org/w/index.php?title=AMD_files_antitrust_lawsuit_against_Intel_in_US_federal_district_court&oldid=4672200”

Smoking Wood Without Getting Burned And Stone Without Getting High}

Smoking Wood Without Getting Burned and Stone Without Getting High

by

The Barn

Is meerschaum better than briar for pipe smoking? This is a great question that has been the object of much debate over the years. Why would you select a Meerschaum pipe over that made of briar, corncob or other material? Let me give you a few things to ponder.

[youtube]http://www.youtube.com/watch?v=PN5b2xfoZnk[/youtube]

As far as your palate is concerned; meerschaum is the most neutral material that you can find to smoke your favorite pipe tobaccos. It adds no additional flavors or aromas to the mix. You couldn’t find a better pipe for someone who likes to smoke a lot of different types of tobaccos. Unlike briar, meerschaum is the only material to “adds nothing” to the smoking experience in terms of unwanted tastes and smells. Since meerschaum is much more porous than briar; it tends to provide a much cleaner tasting smoke. Tars and other smoking by-products created when smoking tobacco are absorbed into the porous walls of the meerschaum. This absorption causes a much smoother smoking experience.Solid meerschaum is a light-weight stone found only in Turkey. Its weight is noticeably lighter compared to a similarly sized briar pipe. The lighter material makes it ideal for those smokers who like to hang their pipe from their mouth. Pipe smoking is said to be very relaxing and having a lighter pipe eases back on the needed pressure from your jaw when smoking hands-free.The color of a meerschaum pipe arguable gets more beautiful over time as you smoke it. Basically, the natural white color of the meerschaum starts to darken over time and can become as brown as briar. As you smoke it the tobacco which is absorbed by the stone is drawn to the surface by the beeswax coating which colors the stone over time.Meerschaum may conduct heat better, making it little hotter to the touch, but at least there’s not concern about burning a hole in it like it’s briar counterparts. When smoking a briar pipe you need to build up a carbon “cake” lining along the bottom of your bowl to help protect the briar from burning over time. This lack of “cake” with meerschaum pipe smoking provides for a much purer smoking experience. You never have to worry about the flavor of your last tobacco mixing with the next one.Enjoying a fuller Virginia or an English blend and then switching to a lighter aromatic tobacco can become a little unpleasant when the taste of the stronger tobacco over powers the lighter due to the flavors trapped in the “cake”. This is one reason why many regular pipe smokers own more than one pipe allowing them to set aside different pipes for similar blends.I’m sure that we could passionately debate this some more, but this should at least give you a few things to ponder when comparing briar to meerschaum. At the end of the day, they both make a wonderful material for smoking your fine tobaccos. I’m confident that you can’t go wrong with either briar or meerschaum. I hope that you end up enjoying them both for different reasons.

Chad Meisinger has been enjoying his pipes and cigars around the globe for many years and owns several tobacco related businesses. For great briar

tobacco pipes

and

meerschaum pipes

feel free to visit http://www.tobacco-barn.com.

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Smoking Wood Without Getting Burned and Stone Without Getting High}

Election in Moldova instigates rioting mob demanding recount

Thursday, April 9, 2009

Protests which began Monday escalated to a riot on Wednesday consisting of over 10,000 people in Chi?in?u, the capital of Moldova, protesting the results of Sunday’s 2009 Moldovan parliamentary election, which showed an apparent, narrow victory for the Communist Party (Partidul Comuni?tilor din Republica Moldova, PCRM). Demonstrators claim the victory was the result of electoral fraud.

The demonstration escalated to a “flash mob” of between 10,000 to 15,000 communicating via online tools like email, micro-blogging tool Twitter, and social-networking website Facebook. “We sent messages on Twitter but didn’t expect 15,000 people to join in. At the most we expected 1,000”, said Oleg Brega of the activist group Hyde Park.

Police deployed tear gas and water cannons, and fired blanks into the crowd. The rioters threw stones at the riot police and took control of the parliament building and presidential office. A bonfire was built out of parliamentary furniture and all windows below the 7th floor were broken.

Approximately one hundred protesters and 170 police officers are reported as injured. There have been conflicting reports as to whether a female protester died during the altercation.

193 protesters “have been charged with looting, hooliganism, robbery and assault,” said an Interior Ministry spokesperson. This announcement sparked another protest by those demanding the release for those detained.

There is wide speculation about who was to blame for the rioting.

President Vladimir Voronin has expelled the Romanian ambassador from Moldova, blaming Romania for the violent protests. “We know that certain political forces in Romania are behind this unrest. The Romanian flags fixed on the government buildings in Chisinau attest to this” said Voronin. “Romania is involved in everything that has happened.“ Voronin also blamed the protests on opposition leaders who used violence to seize power, and has described the event as a coup d’état.

Protesters initially insisted on a recount of the election results and are now calling for a new vote, which has been rejected by the government. Rioters were also demanding unification between Moldova and Romania. “In the air, there was a strong expectation of change, but that did not happen”, said OSCE spokesman Matti Sidoroff.File:Dorin Chirtoaca.jpg

“The elections were fraudulent, there was multiple voting” accused Chi?in?u mayor Dorin Chirtoac? of the Liberal Party. “It’s impossible that every second person in Moldova voted for the Communists. However, we believe the riots were a provocation and we are now trying to reconcile the crowd. Leaders of all opposition parties are at the scene,” said Larissa Manole of the Liberal Democratic Party of Moldova.

The Organisation for Security and Cooperation in Europe (OSCE) proclaimed the PCRM to have won 61 seats in initial counts, enough to guarantee a third term in power for Voronin, who has held the position since 2001. But the Central Election Commission has received evidence of election violations, according to RIA Novosti, and upon recounts conducted of disputed polls, the commission reported that the Communists achieved 49.48% of the Moldovian vote, giving them 60 parliamentary seats — one short of the total needed to win the presidential election. “The electoral commission also granted opposition parties permission to check voter lists, fulfilling one of their chief demands,” said Yuri Ciocan, Central Election Commission secretary.

Voronin will step down in May, however his party could elect a successor with 61 parliamentary seats without any votes from outside parties as well as amend the Constitution. With the PCRM garnering 60 seats, the opposition will have a voice in the presidential election for a new successor.

The western part of Moldova was a part of Romania from the Romania’s independence until the region was detached by the USSR in 1940 to form the Moldavian Soviet Socialist Republic. On independence in 1990 the country sought union with Romania but the eastern, Russian- and Ukrainian-inhabited areas of the country declared themselves independent from Moldova and formed the state of Transnistria and movement toward union was halted.

Moldova is Europe’s poorest country, where average income is less than $250 (£168) a month. The country’s neighbours are Romania and Ukraine. Romania is a European Union (EU) state.

Retrieved from “https://en.wikinews.org/w/index.php?title=Election_in_Moldova_instigates_rioting_mob_demanding_recount&oldid=4467299”

Wikinews interviews U.S. Libertarian presidential candidate James Burns

Saturday, February 23, 2008

Wikinews held an exclusive interview with James Burns, one of the candidates for the Libertarian Party nomination for the 2008 U.S. presidential election.

Burns, the former chairman of the Nevada Libertarian Party, was asked if he thinks he has a good shot at winning the Libertarian nomination and ultimately the presidency. He replied, “My chances of winning are not all in my hands. I shall do my best, but it comes down to what others will do. What will you do?”

When asked about America’s shrinking middle class he said, “The economic policies of the US government are the cause our troubles. When I am President, the only economic policy I shall pursue is to be frugal with the funds of the United States.”

Burns believes that the President “is not ‘the leader of the free world,’ rather….a person who attempts to protect our rights to life, liberty, and the pursuit of happiness.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_U.S._Libertarian_presidential_candidate_James_Burns&oldid=1492556”

Ford offers US$78 million for Romanian auto plant

Saturday, September 8, 2007

Ford Motor Company, the U.S. car maker, will reportedly pay €57 million (US$78 million) for a 72.4 percent stake in the Romanian assembly plant Automobile Craiova, a Romanian official said Friday.

“The offer of Ford Motor Company for a 72.4 percent stake is €4.1556 per share or €57 million overall,” said Sebastian Vladescu, head of the State Property Agency (AVAS), after opening Ford’s improved offer. Vladescu added that the contract may be signed on September 12, during the auto show in Frankfurt.

The Romanian government bought back the Craiova-based car maker from Daewoo Motors, in late 2006 for US$51 million. As the Korean company was bankrupt, the government had to pay another $10 million for debts stemming from past loans. Ford is the only bidder for the purchase of the factory.

According to Washington Post, many auto-part makers have set up in the new European Union member country, attracted by cheap labor, favourable tax rates and the rising output of Renault’s Dacia plant. The vice president of Dacia, Constantin Stroe, said that the price Ford offers is not important. “It’s important to have the factory working as soon as possible”, he added. “With this production facility, Romania will become an important auto production center in Europe”, concluded Stroe, cited by HotNews.

Retrieved from “https://en.wikinews.org/w/index.php?title=Ford_offers_US$78_million_for_Romanian_auto_plant&oldid=495555”

Common Foot And Ankle Conditions

byAlma Abell

Overuse, Injury, and conditions that cause inflammation of the bones or ligaments in the foot can cause you to experience foot pain. There are a lot of different conditions that can cause you to experience severe foot pain. Arthritis is one of the most common reasons individuals experience pain in their feet. Nerve injuries may cause a burning sensation in your feet and sometimes even tingling or numbness. Here are a few of the most common conditions that cause foot pain.

Bunions

A bunion is a bony bump that will form on your big toe right at the base. It is caused when your big toe presses against the toe next to it forcing your toe’s joint to get much bigger and become sore and red. If you have a painful bunion you should not wear narrow or tight shoes as they may cause you to experience more pain and make your bunion worse.Bursitis

Bursitis is a condition that impacts the small sacs that keep your bones and muscles in your joints cushioned. Bursitis takes place when that area called the bursae then becomes inflamed. The typical areas you can experience bursitis is in the elbow, hip, and shoulder. However, bursitis does occur in the heel and your big toe.

Calluses and Corns

Corns and calluses are hardened, thick, skin layers that occur when the skin of your feet try to protect itself from pressure and friction. These typically occur in hands, feet, as well as the toes. Corns and calluses can typically be treated from home unless they are causing you a great deal of pain or you suffer from diabetes. If this is the case for you then you should see a foot doctor in Chicago and let them take a look.

Gout

Gout is a more complex form of arthritis that causes severe pain in certain joints in the body. If you have gout you typically experience severe pain attacks and tenderness and redness in the joints, typically right at the base of your large toe.

There are times where you wake up and are experiencing a severe burning sensation at the base of your toe that makes it feel as though it is on fire. The good news is that gout is treatable by your podiatrist.

If you are experiencing any foot pain, even ones not listed here, you need to see your podiatrist as soon as possible.

If you are looking for a reliable foot doctor in Chicago Kondiles Chicagoland Footcare can help. Visit their website to learn more.