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Posts Tagged ‘Public’

Reality check: Do opponants to Obamacare realize removing end of life counseling & public option isn’t a fix?

16 May

You can opensecrets.org

The health industry (ins, drug cos providers) have been spending $1.4 million per DAY lobbying on this for months. It bought them the ability to draft Obamacare, apparently, including Obama using his influence to push a cap on how much pharma would have to let drug priced be renegotiated down, and a ban on being able to buy drugs from Canada etc. Pharma is spending $150 million to sell us on Obamacare in ads and there is a huge push from the rest of them, too. As for insurance companies, who do you think makes a killing with a bill that by law forces 300 million people to buy insurance product they don’t want? Insurance cos hope the ‘public option’ doesn’t make it, but are drooling over Obamacare.

As for the sellouts on the GOP side, you can tell them by their satisfaction with most of Obamacare, just so long as the ‘public option’ is gone. Grassley, for example, is making a huge deal about taking out end of life counseling, and is the first one agreeing that the compensation structure as it was in the House bill rewarded doctors for bringing it up whether their clients were comfortable discussing it or not going into a risky procedure, and compensating them more for certain outcomes, like having a patient agree to sign personal directives. However, taking that provision out (rather than just making it optional, since it is a helpful service if the senior wants it) is purely cosmetic and pandariing. He is trying to position himself as the ‘conservative saviour’ (instead of the insurance companies’ saviour). The entire structure and financial drivers push rationing according to ’suggested standards’ by a government ‘cost effective/best practices’ committee which standards would be enforced through compensation to health care providers who ‘generally follow’ the standards, regardless of whether they were in public or private plans.

The problem is the govt designs and mandates administration of the policies whomever actually ministers them. There is very little room for meaningful variation in policies once the ‘requirements’ of a ‘qualified plan’ are implemented.
Here’s one of many stories on the Obama drug co deal: http://www.sltrib.com/ci_13046477
And some of the financial drivers are that Medicare fund (an insurance baby boomers paid into all their lives from employment tax) would be cut 500 billion to fund this, and while Obama sd that would be made up from ‘efficiencies’ the CBO says efficiencies in the bill will only save $1 billion, and says under Obamacare prices (and therefor premiums, of course) will go up.
We are being herded to frame our disapproval against ‘the public option’ but is that the only thing those against Obamacare are really upset with? Because, if not, you might want to make sure to tell your reps, so you aren’t sold out.
M.O. you don’t read much, do you?
robot, clearly you have no idea what legitimate sources exist. It just reports data from donation databases.
firewoman, if optional you don’t have to convince me, we had a heck of a time convincing the last care home to let us get my Grandmother home when that was all she wanted in the world. It was the compensation drivers to pay doctors more if they got elderly to sign final directives that was the issue.

 
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United States Public Adjusters Helping Hurricane Victims

06 Nov

 Imagine that you’re a boxer, facing your opponent before an important bout. The referee recites the rules and says he wants a fair fight, then sends you both to your corners to wait for the bell. You’re ready to rumble. But there’s just one problem. The referee works for your opponent.

Fair fight? Hardly, but that’s the situation many Texans might find themselves in this hurricane season. Because if you have to submit a claim, you’ll quickly learn that the claims adjuster — the person who estimates damage and the cost of repairs — works for the insurance company. So he may be more interested in keeping costs down for his employer than in making sure you’re paid enough for complete repairs.

Many insurance claims are handled this way. Which is why millions of dollars rightfully owed to policyholders stays in insurers’ pockets. And most people don’t even know there’s an alternative.

But there is — a public insurance adjuster. And just as you wouldn’t go into court without a lawyer, or go through an IRS audit without an accountant, you should never let your insurance company decide what you’re owed without a public insurance adjuster.

 Whatever the claim, you need someone in your corner.

Hurricane. Fire. Burst pipes. Vandalism or burglary. Virtually everyone sustains some kind of loss to their home or business at some point, especially in tornado/hurricane-prone Texas. And the stakes are too high to leave your payment to the party writing the check — your insurer.

Public insurance adjusters are licensed by the state of Texas to represent your interests through every stage of the claims process: preparation, filing, adjustment, negotiation, and settlement. They can even help you re-open a claim that’s been closed for up to two years, recovering additional money for repairs, replacements and upgrades. And if you’re ever notified that your claim is denied, a public adjuster should be the first call you make.

Having this kind of advocate on your side is especially important right now, because estimates of hurricane damage can vary widely. The insurance company’s adjuster is likely to estimate on the low end; that’s why your public adjuster can routinely achieve settlements of 50, 100, even 200 percent higher than the insurer’s offer.

“The insurance company will often want to pay for cleaning and painting a damaged area, or replacing only part of the affected area,” explains Alex Step, of United States Public Adjuster (“USPA”). “But cleaning and painting might not be enough — there could be structural damage you don’t see, like mold or wood rot. And because building codes are stricter now, you could be entitled to a whole new, upgraded roof — not just repairs to the damaged area.”

Most adjusters at USPA are former insurance company adjusters with extensive experience in estimating damage caused by hurricanes, fires, floods, fallen trees, lightning, you name it. That’s important, says Step, “because you need people who know the process in and out — who know all the tricks of the trade.”

Do you want the money in your pocket — or the insurance company’s?

The average homeowner may have only one major damage claim in his lifetime. “It’s just not possible for a homeowner to knowledgeably argue for a larger settlement,” says Step. “There are too many factors involved — age of the home, the possibility of hidden damage, the fluctuating costs of labor and materials.”

And a public adjuster doesn’t only help you with the damage claim. You may be entitled to reimbursement for additional living expenses or temporary repairs before the real replacement work starts.

“It’s no different than tax or legal matters,” says Step. “Without the assistance of expert professionals, the little guy is at the mercy of the big guy.”

In short, not having an experienced public adjuster in your corner could cost you big money. And with hurricane season upon us, that’s something to keep in mind — before you have to duke it out with your insurance company.

Frequently Asked Questions About Public Adjusters

Q:  What is a public insurance adjuster?

A:  A loss adjustment expert who represents you, the homeowner, in the preparation, filing, and resolution of your insurance claims. A public adjuster is tested, licensed and bonded by the state of Texas.

Q:  How can a public insurance adjuster help me?

A:  Your adjuster relieves you of the many time-consuming and difficult details involved in preparing and filing your claim — and helps you receive a prompt and fair settlement.

Q:  Why should I engage a public insurance adjuster to obtain what is rightfully due to me?

A:  You’ll have the advantage of the public adjuster’s experience and knowledge of repair costs and the claims process. Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured.

Q:  How do adjusters determine the actual loss?

A:  They take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves subjects you know little or nothing about. That’s why a thorough inventory made by an adjuster on your side can make a significant difference in the amount of the final adjustment.

Q:  How much do they charge for their services?

A:  Your public insurance adjuster’s charge is a percentage of the insurance company’s settlement with you — usually 10 percent.

Q:  In the event of a loss, what steps should I take?

A:  Promptly report the loss to your agent or broker, or directly to the insurance company — then immediately retain the services of an accredited public insurance adjuster.

 
 

Pia Public Insurance Adjusters

24 Sep


PIA Public Insurance Adjusters Company Overview

PIA (Public Service Adjusters) is one of the nation’s largest and most respected public adjusting firms, specializing in disaster recovery. Our focu…

 
 

The Public Is Finally Protected With Selling Their Structured Settlements

07 Sep
Structured settlement payments are one’s peace of mind. Thank God there is the protection already over this issue passed recently by the government. President George W. Bush signed into law a bill on January 22, 2002. This very law will protect individuals who will choose to sell their structured settlement payments. Selling the settlement terms is now possible to meet the unplanned financial needs of the recipient. This law actually makes it mandatory for the individuals as recipient of the structured settlement payments to seek court approval before pursing the sales transaction. In addition, this law is in conjunction with the state laws. As of the present times, over forty states have already passed the corresponding state laws. With such a mandatory regulation over this concern, individuals can now have access to selling their structured settlement payments when immediate unforeseen financial needs arise. And sell it safely. As a matter of fact, you may not even probably hear of this law, the Structured Settlement Protection Act. But if you are one of those individuals receiving payments from a structured settlement, you are one of those protected by this Act. It is protecting your interests every day when you later choose to sell your settlement payments for a lump sum. The Act ensures that the transaction must be with your best interests in mind. In the same case, you are also entitled to hire professional service or seek professional financial advice for the enlightenment regarding the consequences of the said transaction. The unfortunate news however is there are still a number of states that don’t have this kind of legislation in place yet. The state laws outline the implementing rules, which are very important in this kind of transaction, to protect your best interest. You better consult your legal counsel when it comes to the respective state law in your area. Inquire what can be done whenever you decide to sell your structured settlement payments or what can be the legal remedy when a state law is not yet passed. We should be thankful that the choice to sell a structured settlement payment was completely given attention as it had been unregulated in the past causing a lot of negative impacts on the lives of the selling party. After all, the best interest of the public is the best interest of the nation in general. Now, the public will have the necessary protection over the big insurance giants regarding these transactions. When we decide to enter any agreements to sell our very own structured settlement payments, we can be assured of a good deal.