Insurance in USA

ge, NY State o
f Health remains strong heading into 2019. The exchange has robust insurer participation, and premiums are still lower for 2019 than they were in 2013. (That’s not the case in most states, but New York had guaranteed-issue coverage long before the ACA, but without a mandate requiring people to buy coverage and without premium subsidies for middle-class enrollees. As a result, coverage was expensive in New York pre-2014.)

Enrollment in NY State of Health – including QHPs (private plans), the Essential Plan, Medicaid, and Child Health Plus – reached more than 4.3 million by the end of January 2018 (when open enrollment ended for QHPs). That was an increase of 700,000 over the prior year’s total enrollment.
New York is a progressive state that embraced health care reform decades ahead of most of the rest of the country. The Affordable Care Act has smoothed out some rough edges in the New York insurance market, and since implementing Obamacare, the state has continued upon these improvements. In January 2017, prior to the inauguration of Donald Trump, New York Governor, Andrew Cuomo, announced that repealing the ACA would cause 2.7 million New Yorkers to lose their health insurance coverage.

Although Republican leaders spent 2017 attempting to repeal the ACA, most of their efforts fell short. All of the ACA repeal bills that were considered in 2017 failed to win enough support to pass, although the GOP tax bill, enacted in December 2017, did repeal the individual mandate penalty, starting in 2019 (there is still a penalty for being uninsured in 2018, which will be assessed on tax returns in early 2019, but there will not be a federal penalty for being uninsured starting in 2019).

A few states have implemented their own individual mandates for 2019 and beyond, although New York is not one of them. But Governor Cuomo took action in early 2017 to protect New York residents’ access to birth control and abortion coverage, regardless of the future of the ACA. The Governor also worked to ensure continued robust insurer participation in the individual market, and ongoing access to essential health benefits. Lawmakers once again considered a single-payer system during the 2018 legislative session — it passed the Assembly, but fell short in the Senate, just as it did in 2017.

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2019 exchange carriers
New York has a very robust individual health insurance
market, with 12 carriers offering plans in the exchange, and two that offer plans only outside the exchange. All of them will continue to offer coverage for 2019, with average rate increases (before subsidies are applied) of 8.6 percent. (Details about approved average rate changes for each plan are available here). The following insurers offer individual-market plans in New York’s exchange:

Capital District Physicians Health Plan
Empire BlueCross and Empire Blue Cross Blue Shield
Excellus (Excellus Blue Cross Blue Shield in Central New York and Univera in Western New York)
Fidelis Care
Health Insurance Plan of Greater New York (EmblemHealth)
Healthfirst New York
HealthNow New York, Inc. (BlueShield of Northeastern New York, and BlueCross BlueShield of Western New York)
Independent Health
MetroPlus Health Plan
MVP Health Plan, Inc.
Oscar Insurance Corporation
United Healthcare of New York, Inc
Two insurers – Crystal Run Health Plan and HealthFirst Insurance Company – will continue to offer off-exchange plans in 2019.

In the small-group market – where more than a million New Yorkers get their health coverage – employers with up to 100 employees can purchase ACA-compliant plans. With the exception of Fidelis, all of the individual-market carriers offer small-group plans, in addition to Aetna Life, Oxford, and some additional divisions of a few of the companies that offer individual market plans.

Fifteen New York health carriers offer plans under the state’s Basic Health Program. Also known as the “Essential Plan,” this coverage is for people with incomes up to 200 percent of the federal poverty level and does not include a deductible or premium. New York and Minnesota are the only states that have established BHPs.

New York State of Health enrollment tops 4.3 million
Open enrollment for 2019 coverage will run from November 1, 2018 to January 31, 2019 for qualified health plans. (Enrollment in Medicaid, Child Health Plus, and the Essential Plan continues year-round.)

Open enrollment for 2018 coverage followed the same November to January schedule, ending on January 31, 2018. In May 2018, New York State of Health published an enrollment report, noting that total enrollment in public and private plans through the exchange (including Medicaid, the Essential Plan, Child Health Plus, and private plans) had reached 4.3 million people by the end of January, which was an increase of 700,000 people compared with the year before.

best business schools in the world

Objective

This chapter examines the characteristics of insurance contracts. It defines the

notion of insurable risks and insurable interest. Insurable risks are the raw

materials for the existence of insurance contracts.

An insurance policy is a legal contract between the insurer and the insured.

Although the direct advantages and related costs arising out of the existence of

insurance contracts are obvious to most readers, there are other benefits and

indirect costs generated by the existence of these contracts.

Definition of an Insurance Contract

A legal definition of insurance that appears in many insurance laws is the

following: A contract of insurance is that whereby one party, the insurer,

undertakes, for a premium or an assessment, to make a payment to another party,

the policyholder or a third party, if an event that is the object of a risk occurs. It

is often defined as a contract of indemnity. The insured is not to make any profit

out of the insurance but should only be compensated to the extent of the pecuniary

loss.

Although various definitions have been offered, one of the most helpful is to

define insurance as a mechanism (or a service) for the transfer to someone called

the insurer of certain risks of financial loss in exchange of the payment of an

agreed fixed amount. The payment is due before the contingent claim is serviced

by the insurer.

If from the insured's point of view, insurance is a "transfer," from the insurer's

point of view, insurance as a "pooling" mechanism. It is possible for the insurer

to reduce the risk which he faces by offering an "insurance service," by pooling

together a large number of exposure units or risks.

at multiple levels and an array of support services to ensure that students with different language proficiencies succeed. A Supportive Learning Environment. Community colleges offer small class sizes, averaging fewer than 30 students, allowing personal attention and ongoing support from professors. The focus is on individual student success within an environment designed to support students’ learning patterns and needs. Support services for students include tutoring, advising, writing labs, international student clubs, and international student service centers. Diversity. U.S. community college students come from diverse cultural heritages and ethnicities. The colleges offer a wide spectrum of clubs and activities that celebrate and support the diversity that describes society in the United States. Access to U.S. Culture. Because they are reflective of and responsive to their communities, community colleges tend to have strong local ties. This relationship provides international students with extensive opportunities to interact with Americans and to experience American culture. Variety of Locations and Campus Sizes. Community colleges, like other educational institutions in the United States, differ widely. Some are large, multicampus institutions located in big cities, while others are much smaller schools located in rural settings and serving small student populations. There is a community college conveniently located within commuting distance of 90 percent of the U.S. population. Distinguished Alumni. Alumni of U.S. community colleges include California Governor Arnold Schwarzenegger and former Maryland Governor Parris Glendening, NASA space shuttle commander Eileen Collins, Star Wars movie series producer/director George Lucas, film actors Tom Hanks and Clint Eastwood, fashion designer Calvin Klein, human genome scientist Craig Venter, and U.S. Surgeon General Richard  

Insurance Article For Startups And Young

A wellbeing investment account (HSA) is a duty absolved trust or custodial record that you set up with a qualified HSA trustee to pay or repay certain restorative costs you bring about. You should be a qualified individual to qualify and the record can be set up through a qualified HSA trustee. A qualified HSA trustee can be a bank, insurance agency or anybody effectively affirmed by the IRS to be a trustee of individual retirement plans.

In spite of the fact that HSA accounts are planned to cover social insurance costs, you might be amazed by the a wide range of ways that you can use the assets in a HSA account. Notwithstanding, there are qualification and commitment limits for HSA accounts. (For additional, see: Pros and Cons of a Health Savings Account.)

Who Is Eligible? 

To be a qualified individual and fit the bill for a HSA, you should meet the accompanying prerequisites:

Secured under a high deductible-wellbeing design (HDHP).

Have no other wellbeing scope. There are exemptions. Talk about with your CPA.

Not selected in Medicare.

Can't be asserted as a subject to another person's 2018 expense form.

Commitment Limits

The sum you can add to your HSA relies upon the sort of HDHP scope you have, your age, the date you turn into a qualified individual and the date you stop to be qualified. For 2018, in the event that you have self-just HDHP scope, you can contribute up to $3,450. On the off chance that you have family HDHP scope, you can contribute up to $6,850. Add $1,000 to these numbers on the off chance that you are over age 55.

Present and Future Uses

In the event that you as of now have a HSA, you are most likely mindful that the kind of restorative costs that you are allowed to repay yourself for through your HSA are those that would by and large fit the bill for the medicinal and dental cost derivations. IRS Publication 502, Medical and Dental Expenses gives detail.

Be that as it may, the cash that you collect in your HSA can be deliberately reserved for different costs that you may not know about including:

Long haul mind protection premiums and costs. The premiums you are qualified to regard as qualified restorative costs are liable to limits so check with your CPA.

Month to month premiums for Medicare. When you reach 65, you can utilize HSA commitments for Medicare Parts A, B or D premiums. For high salary workers amid retirement, your premiums are expanded and this can be a major help. Be that as it may, the sum in a HSA account can't be utilized for Medigap month to month premiums.

Medicinal services continuation scope, for example, COBRA. At age 65, you can utilize your HSA to pay for other medicinal services premiums including work based retiree advantage programs - not only yours, but rather your life partner or wards too.

Human services scope while getting joblessness remuneration under government or state law.

An additional advantage of HSA accounts is that once you achieve the age of 65, you can get to the cash for non-restorative costs, as well. As of now you will confront no punishment for withdrawals and will basically be liable to standard wage impose.

fedex business in usa and canada

FedEx Express Terms and Conditions 136 fedex.com 1.800.GoFedEx 1.800.463.3339 Contents E Services E Rates E Terms E Index E Customers who receive their invoices via FedEx Billing Online should mail their payment and remittance detail to: FedEx Billing Online P.O. Box 371599 Pittsburgh, PA 15250-7599 K. Customers who receive their invoices via EDI are required to submit remittance data (advice for shipments being paid) electronically in an approved FedEx remittance format. See the FedEx Electronic Invoice and Remittance Implementation Guide for details. Some invoice adjustment requests may also be transmitted electronically. Payment for EDI invoices must be submitted electronically via electronic funds transfer (EFT) or by sending a check payment to one of the following: (By FedEx Envelope) FedEx ERS Attn: Box 371471 500 Ross Street Room 154-0455 Pittsburgh, PA 15250-7741 Phone: 412.234.5494 (By U.S. Postal Service) FedEx ERS P.O. Box 371741 Pittsburgh, PA 15250-7741 L. If you are interested in or have questions regarding any of our invoicing or payment methods, contact your FedEx account executive or call Revenue Services at 1.800.GoFedEx 1.800.463.3339 (say “billing”), or access our internet application Manage My Account at fedex.com. M. Invoice Adjustments/Overcharges: 1. We reserve the right to audit shipments to verify service selection, shipment weight and dimensions. Package shape and dimensions may change during transit, which can affect the package’s dimensional weight and surcharge eligibility. If the service selected, weight entered or dimensions entered are incorrect or change during transit, we may make appropriate adjustments to the shipment charges at any time. 2. Default Billing. Senders are solely responsible for accurately completing all sections of the airbill and for the entry of accurate shipment information into any electronic shipping device. If you fail to provide or correctly enter this information, you will be billed and agree to pay based on our estimate of the number of packages transported and either the dimensional weight at the time of billing or a standard default weight-per-package estimate, both of which will be determined by us at our sole discretion. If no service is marked, we will send your shipment via FedEx Priority Overnight or FedEx 1Day Freight, whichever is applicable. 3. Our money-back guarantee policy governs and is the exclusive remedy for requests for refunds or credits related to service failures. (See the Money-Back Guarantee Policy section for applicable notice provisions and other conditions.) If the money-back guarantee is suspended or revoked, there is no remedy. 4. Requests for invoice adjustments due to an overcharge must be received within 60 days after the original invoice date (or ship date if prepaid by cash, check, money order or credit card). 5. FedEx is not obligated to refund any overcharge or pay any other obligation owed when your FedEx account is, or has been in the past, more than 60 days past due. 6. If your account is more than 60 days past due, FedEx may, at its sole discretion, apply any overcharge amounts or other overpayments it agrees are owed to you against the oldest invoices. 7. You may request an invoice adjustment for reasons not related to a service failure in the following ways: a. Use our internet application FedEx Billing Online at fedex.com if you are a registered user; or b. Submit your request through the invoice adjustment feature at fedex.com; or c. Submit the request via fedex.com/us/customersupport/email/express_ ground.html (select Billing/Invoicing as the category). All adjustment requests must state the reason an adjustment or refund is warranted and must provide the following: the FedEx account number (if any); the FedEx tracking number; and the date of shipment; or d. Submit the request via our telephone invoice adjustment system at 1.800.GoFedEx 1.800.463.3339 (say “billing”). If you choose to submit your request via the telephone invoice adjustment system, the request must state the reason an adjustment or refund is warranted and must provide the following: the FedEx account number (if any); the FedEx tracking number; and the date of shipment. A partial payment against an invoice is not considered a request for invoice adjustment or notice of a refund request. 8. If you choose to send your request for an invoice adjustment for non-servicerelated failure via FedEx or the U.S. Postal Service, please send it to: FedEx Revenue Services 3965 Airways Boulevard Module G Memphis, TN 38116 You may also send your request via fax to the FedEx toll-free fax service: 1.800.548.3020. 9. We will not be liable for any invoice adjustment unless you comply with the notice requirements described above. The filing of a lawsuit against us does not constitute compliance with these notice provisions. For additional information or assistance regarding billing issues, contact Revenue Services at 1.800.GoFedEx 1.800.463.3339 (say “billing”), 7 a.m. to 6 p.m. (CST), Monday through Friday. N. Additional Taxes. If a federal value-added, consumption or similar tax is applicable to your shipment, we reserve the right to add that amount to your shipping charges without notice. We pay any applicable federal excise tax on the air transportation portion of our service. O. The shipper and any other party who is liable for payment are responsible for all reasonable costs incurred by FedEx in obtaining or attempting to obtain payment for services rendered by us. Such costs include, but are not limited to, attorneys’ fees, collection agency fees, interest and court costs. P. At our sole discretion, FedEx may transfer and assign ownership of, and any rights to collect, any and all charges due and payable to us. Q. FedEx will charge for the category of service selected by the shipper, notwithstanding any requests for a different delivery time or date, including but not limited to, requests made by the recipient using FedEx Delivery Manager. Cartage Agents We provide pickup and delivery service to points within our primary service areas. Service outside our primary service areas may be provided through cartage agents. For more information, please call Customer Service at 1.800.GoFedEx 1.800.463.3339 or Express Freight Customer Service at 1.800.332.0807. A. Our delivery commitment time and money-back guarantee policy apply only to the portion of the transportation handled directly by us (see the Money-Back Guarantee Policy section). The delivery commitment time begins when the cartage agent tenders the shipment to us and ends when a shipment is available for pickup by you or a cartage agent. Our tender of a shipment to a cartage agent constitutes delivery of the shipment by us for all purposes. Except as stated below for FedEx Express Freight shipments, we are not responsible for service failures as a result of cartage agent pickups or deliveries. B. For FedEx Express Freight shipments destined to extended service areas (H4, H5, H6) and when FedEx arranges delivery by a cartage agent, our delivery commitment time and money-back guarantee policy apply to both the portion of the transportation handled directly by us and to the portion of the transportation handled by the cartage agent. (See the Money-Back Guarantee Policy section.) For FedEx Express Freight shipments originating in extended service areas (H4, H5, H6, H7) the delivery commitment time begins when the cartage agent tenders the shipment to FedEx. C. For FedEx Express Freight shipments destined to H7 extended service areas, our delivery commitment time and money-back guarantee policy apply only to the portion of the transportation handled directly by us. The delivery commitment time ends when a shipment is available at the FedEx location for pickup by you or a cartage agent. We are not responsible for service failures as a result of cartage agent pickups from, or deliveries to, H7 extended service areas. D. If you elect to make arrangements for pickup or delivery directly with a cartage agent, you are responsible for all charges and fees assessed by the cartage agent. The invoice you receive from us will reflect only our charges and fees. E. A special handling fee applies; see Rates in the FedEx Service Guide. F. Cartage agents are independent contractors. They are neither employees nor agents of FedEx Express, and we are not responsible for any of their acts or omissions.

Shipping Overseas Shipping overseas

Shipping Overseas Shipping overseas is definitely more of a problem, but many businesses ship a considerable amount of their products outside the United States. So, unless it’s simply impractical—for instance, you’re shipping guns, or those marble and granite slabs we mentioned earlier—you should probably consider it. A few things to watch for include the following: ■ This probably won’t be a surprise, but it’s more expensive to ship outside the country. It’s still viable for high-value goods, but not so much for low-cost goods. ■ It can take a long time to ship to the other side of the world. To get a general idea just how long, take a look at the post office’s International Priority Mail and International Express Mail services, which provide fairly quick shipping times at a reasonable cost. ■ Don’t forget customs declaration forms. This is one more step needed before you can ship overseas. And also be aware that some countries want to charge a custom’s duty on items. Buyers must be aware that they are responsible for these fees; there’s no practical way for you to deal with them. ■ Some third-world countries, such as Canada, have a tendency to stop everything crossing their borders and try to extract a fee. ■ Consider fraud. Though not a shipping issue, fraud is still an important concern. Western Europe has very low fraud rates, but some countries (we might mention eastern Europe) have very high rates. This is something we talk about in more detail in Chapter 18. The major shipping services provide customs forms online. For instance, to find the U.S. Postal Service custom forms, visit http://webapps.usps.com/customsforms/. You can even fill in the form online and print out the completed document. Finally, we’re done! We’re now ready to sell through eBay. In the next chapter, we’ll look at exactly how to go about listing your products on the site. Chapter 5 Listing Your Items Effectively I n this chapter you’re going to learn how to submit an item for sale in eBay. There’s a lot to cover. We’re going to discuss how to create your photographs, the different ways in which you can list items, how much eBay charges, how to enter information and pictures for your listing, specifying payment and shipping, and so on. This chapter is not intended as a quick step-through process. We’re going to show you the process step-by-step, but we’ll be stopping and explaining various concepts and issues in detail as we go. So, we advise you read through this once before you begin listing your first item, otherwise eBay may timeout and make you start again. Creating Your Photographs You’re going to need photos of the products you’re selling; you can try to sell without pictures, but you’ll regret it—in general they’re unlikely to sell well. In many cases you can get product photographs from a supplier; in many other cases, you’ll have to get the photos yourself. That’s not necessarily difficult. You don’t need the very best digital camera for your pictures. Digital photography has advanced tremendously over the last few years, which means the top-end equipment is amazing . . . but it also means that good equipment, good enough for taking pictures to post on a web page, is cheap. The basic requirements are pretty simple: ■ 2.0 megapixels Get a camera that produces images with 2 megapixels or more. ■ Optical zoom Optical zoom is more important than digital zoom. ■ Macro mode Macro, or close-up, mode, lets you take photographs very close to the object, allowing you to get fine details.

Medical Loan in usa

What is a Medical Loan ?

A Medical Loan is extended by a bank or a financial institution under the category of personal loans. It can be availed for various contingency situations related to health or any urgent medical needs such as an operation, surgery procedure, therapy, or for any concerns related to health. The interest rate for a medical loan is based on multiple factors such as the organization you work for, your salary range, and the city of your current residence.

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It is recommended to check and compare the interest rates, eligibility for a medical loan across various banks before you select one of them.

What are the current interest rates on medical loans ?

Medical loans can be availed from various banks and mostly comes under the category of personal loans. The interest rate on a medical loandepends on various factors such as the loan amount, the organization where you are employed, range of your salary, and the city you are based in currently. There could be other factors that might differ from one bank to another. Interest can vary from 12% to 25% depending on the personal loan eligibility.

Interest on a loan amount is the portion that is over and above the principal amount that has to be repaid to the bank. You can choose to take up the interest rate in various forms - Reducing or diminishing rate of interest, Flat rate of Interest, fixed rate of interest, or floating rate of interest.

Why Tata Capital ?

Tata Capital makes it a point to offer medical loans with minimal documentation and clears it within days for your contingency situations.

• Medical loans fall under the bracket of Personal Loans, so the procedure of approval and release of funds is almost similar.
• We provide suitable interest rates and faster dispersal of the loan amount to enable you to address your personal medical emergencies.
• We offer loan for any kind of medical expenses and approval of the loan amount totally depends on the income drawn.
• We provide you suitable advice on repayment of the loan amount, to make it in time and within your financial capacity.

Am I eligible for a Medical Loan ?

Medical loans come in the bracket of personal loans and can be availed from different banks or financial institutions. The personal loan eligibility criteria for each bank differs, but being an unsecured loan, there is no need to mortgage or get a guarantor for the medical loan. Eligibility for your Medical Loan mostly depends on your salary bracket, the organization you work for, and evaluation of your financial capability to repay the loan. Documentation is simpler for a Medical loan, as it an unsecured loan.

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Some basic eligibility factors are listed below:

• Age between 23 - 58 years
• Minimum monthly salary should be Rs. 20,000
• 2 years of experience in the current organization or occupation
• At least a year of residence in the current address

How Much EMI do I Have to Pay ?

Repayment of the loans is done with calculated EMIs, where the portion of the EMI totally depends on the amount of loan taken and the interest rate applied on the amount.

You can calculate the EMI on the Medical Loan EMI calculator.

A mortgage loans

WHAT IT IS:

A mortgage is a loan in which property or real estate is used as collateral. The borrower enters into an agreement with the lender (usually a bank) wherein the borrower receives cash upfront then makes payments over a set time span until he pays back the lender in full.

HOW IT WORKS (EXAMPLE):

Mortgage loans are usually entered into by home buyers without enough cash on hand to purchase the home. They are also used to borrow cash from a bank for other projects using their house as collateral.
There are several types of mortgage loans and buyers should assess what is best for their own situation before entering into one. Types of loans are characterized by their term dates (usually from 5 to 30 years, some institutions now offer loans up to 50 year terms), interest rates (these may be fixed or variable), and the amount of payments per period.
[If you're ready to buy a home, use our Mortgage Calculator to see what your monthly principal and interest payment will be. You can also learn how to calculate your monthly payment in Excel.]
Mortgages are like any other financial product in that their supply and demand will change dependent on the market. For that reason, sometimes banks can offer very low interest rates and sometimes they can only offer high rates. If a borrower agreed upon a high interest rate and finds after a few years that rates have dropped, he can sign a new agreement at the new lower interest rate -- after jumping though some hoops, of course. This is called "refinancing."

WHY IT MATTERS:

Mortgages make larger purchases possible for individuals lacking enough cash to purchase an asset, like a house, up front. Lenders take a risk making these loans as there is no guarantee the borrower will be able to pay in the future. Borrowers take risk in accepting these loans, as a failure to pay will result in a total loss of the asset.
Home ownership has become a cornerstone of the American Dream. For most people, their home is their most valuable asset. Mortgages make home buying possible for many Americans. Mortgages are not always easy to secure, however, as rates and terms are often dependent on an individual's credit score and job status. Failure to repay allows a bank to legally foreclose and auction off the property to cover its losses.