Tips To Help You Lower Health Insurance Costs
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Health insurance- whether provided by your employer or purchased by you-can be both expensive and complex. To better understand your options and control your health insurance costs, consider these tips and suggestions from the National Association of Insurance Commissioners (NAIC), a voluntary organization of state insurance regulatory officials:
Know Your Options
• Married couples in situations where both spouses are offered health insurance through their jobs should compare the coverage and costs (premiums, co-pays and deductibles) to determine which policy is best for the family.
• Always stay in-network when possible, making sure to get referrals and pre-certifications as required by your plan.
• Keep all receipts for medical services, whether in- or out-of-network. In the event you exceed your deductible Air Max 98 UK , you may qualify to take a tax deduction for out-of-pocket medical bills.
• Consider opening a Flexible Spending Account (FSA), if your employer offers one, which allows you to set aside pretax dollars for out-of-pocket medical expenses.
• If you lose or change jobs, be aware of your rights to continue your group health coverage from your old employer for up to 18 months (though you have to pay the premiums), as provided under COBRA (the Consolidated Omnibus Budget Reconciliation Act).
Health Insurance Tips for
Different Life Stages
The NAIC's consumer Web site, Insure U http://www.cheapairmax98uk.com/ , (www.InsureUonline. org), explains the different types of health insurance and gives focused tips to consumers based on their likely needs in different life stages. For example:
• Young singles who may not yet have a full-time job that offers health benefits should be aware that in some states, single adult dependents may be able to continue to get health coverage for an extended period (ranging from up to 25 to 30 years old) under their parents' health insurance policies.
• Young couples expecting a child should make sure they register their newborn with their health insurance provider within the deadline required.
• Established families with children should consider Flexible Spending Accounts if available to help pay for common childhood medical problems such as allergy tests, braces and replacements for lost eyeglasses, retainers and the like, which are often not covered by basic health insurance.
• Empty nestersseniors who are under 65 and no longer employed Cheap Nike Air Max 98 UK Wholesale , but whose COBRA benefits have run out, should research high-deductible medical plans. At this life stage, consumers may want to evaluate whether long-term care insurance makes sense for them.
Huawei Technologies Co CEO Ren Zhengfei has banned staff from saying things such as "crushing Apple, crushing Samsung" and imposed a 100 yuan ($14.6) fine for each time anyone uses such terms, according to the transcript of a speech posted online on Saturday.
Samsung and Apple led world smartphone sales in 2016, followed by Huawei Cheap Nike Air Max 98 Kids UK , with the company's shipments up 30.2 percent year-on-year to 139.3 million units, according to International Data Corp (IDC).
Whether in public or private, each such utterance will be noted, said the 73-year-old CEO, according to a transcript of his speech on January 17 to the Huawei Consumer Business Group posted on the company's online community Xinsheng Shequ, or voice of the hearts community.
Ren said Apple Inc Cheap Nike Air Max 98 Youth UK , Samsung Electronics Co and Huawei are the "stabilizers in the world of terminal handsets" and "Huawei should desire an environment of harmony, win-win, competition and cooperation."
Ren instructed a fund to be set up to collect the fines, with money to be used to buy coffee for staff in the consumer business group.
The fourth quarter of 2016 marked the first time that Huawei achieved a double-digit global market share, according to IDC. Two other domestic manufacturers, OPPO and Vivo Cheap Nike Air Max 98 Mens UK , shipped 99.4 million and 77.3 million units, respectively, in 2016.
"I trust that you won't say such things intentionally but there is the chance that some media will hype it if you do," Ren said in the speech.
"I can understand sometimes such things need to be said to achieve sales but we should beware of making too many enemies," said Ren.
Ren went further as saying that Huawei, Samsung Cheap Nike Air Max 98 Womens UK , Apple, OPPO and Vivo are colleagues, in the sense that they share the same business model and they all have to make a profit.
But Huawei should differentiate itself from companies that try to monopolize the market by "burning money" and then "extorting customers," he said. "Different from them, we have our clients as top priority."
Ren encouraged his lieutenants to exceed Apple in terms of profit margins and levels of customer service.
He and his management team have a three-year plan to ensure that Huawei's consumer business offers a service level that beats Apple and achieves profit margins that beat OPPO and Vivo.
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