Bernadette Ancog

Taken from NY Health Insurer

Taken from: NY Health Insurer

Taken from http://www.nychealthplan.com/articles/hmo-advantage HMO or better known as Health Maintenance Organization is a valued choice to make when living in New York. The opportunity for an individual or family to obtain New York health insurance is at a premium.

A reality to this maze of confusion is that the insurance companies are more experienced to handle a health care plan to fit everyone. Through shared loss. The underwriting can be made simple and direct without any benefit being denied. Then look at pricing of fair pay out to the providers of health care. Have all insurance companies participate to insure the masses of society.

Glossary of Terms 1. Deductible. This is the amount the insured has to pay every calendar year before the policy pays benefits. Many policies waive the deductible for office visits, preventive care and certain other benefits. 2. Co-insurance. This is what the insured pays after the deductible is met. Usually the insured pays a percentage of the charges in a calendar year after the deductible up to a maximum stated amount. 3. Per-occurrence. A way of allocating expense between the insured and the carrier. A deductible and co-insurance can be allocated to every illness or injury in a calendar year. This will generally shift more costs to the insured. It also is subject to interpretation as to what is an occurrence. This feature places too much power in the hands of the insurance company. 4. HSA. A Health Savings Account is a federal program that allows people who have a qualifying health insurance policy to contribute a certain amount of money every year. This contribution is federal tax deductible and state tax deductible in most states. The money remains sheltered from tax as long as it is in the account or is used for qualifying medical expenses. 5. PPO. Preferred Provider Organization. This is a list of service providers such as doctors and hospitals that have contracted with a given carrier. These contracts call for lower prices that are charged to the insurance carrier and you as the insured party. This also translates into lower premiums for the insured parties. 6. Captive Agent/In House Agent. A captive agent is one who is allowed to sell only the policies of one carrier. He usually is a 1099 independent contractor and works off site. An in-house agent is usually a W-2 employee who reports to work at the insurance company´s place of business. Thomas Henry is the president of RealCare Insurance Marketing, Inc. an insurance marketing firm in California. His focus for the last 25 years has been on individual and employer sponsored health insurance, helping thousands of people make the right choices in health insurance coverage. He is also a member of the California State Bar but no longer practices law.

How does it feel to fry French fries today and use the same oil to your car the next day? Believe it or not, the used oil can be reused into a biofuel to start your diesel engine. How did this come about? Most of us did not realize the similarities of properties between waste vegetable oil and diesel fuel. The only difference is that the WVO has higher viscosity and lower oxidative stability. You have to overcome these two factors in order to use WVO as fuel. Since WVO is close enough with its properties with the diesel, the obstacles can be address easily giving you the perfect option for a cheap, renewable, and easy to process in your own home; fuel source alternative to diesel.

There are many uses for biodiesel. It can either be used in its pure form or can be blended with petroleum diesel as what we have stated above, at any concentration in most modern diesel engines. Biodiesel has different solvent properties than petrodiesel and will degrade natural rubber gaskets and hoses in vehicles (mostly the ones manufactured before 1992). One thing about biodiesel is that it has been known to break down deposits of residue in the fuel lines where petrodiesel has been used.

So what is vegetable oil? It is simply the oil produced or extracted from plants and has similar fuel composition to that of the diesel fuel. Examples are the oil from coconut, peanut, palm, corn, rapeseed, babassu, artichoke, sunflower, soy bean, hemp, perilla, honge (found in India), ben (seeds of the Moringa Oleifera), and many others.

Whether you are just getting started or experienced with WVO and looking for ideas, you can find something to learn at www.WVODesigns.com.

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