Aslog Tech offers innovative and effective outsourcing WEB solutions for clients around the world. Take a look inside to find out about our people, our company, and the "can do" attitude that motivates us to deliver nothing less than the very best.
http://www.aslogtech.com/index.aslog
Monday, January 12, 2009
Representing Kolkata On New year 2009 !!

ebizzkolkata.com is simply meant for A 2 Z solutions to hold businesses from Kolkata in the global
front. Don’t take it granted for another simple directory containing some pages of information
already available in the net. It is a unique medium to make your dream come true. The possibility to
enrich your business for posterity lies in the speed and connectivity that ebizzkolkata.com can
provide you with. Here is how. Get specific business solutions and redefine your modes of extending
business with no loss of time and energy. Hit the exact target and strike the best deal with the
buyers and entrepreneurs from every nooks and corners of the world in the most cost-effective way.
Generating the one-point solution for the industrialists to expand business unboundedly. Bridging
the gap between the customers and the companies in every possible way. Not just business and
corporate solutions, any type of links you demand for are readily available with the yellow and
white pages service of ebizzkolkata.com – that can be phone numbers, postal addresses, e-mail
addresses etc. Get a readymade warm-up with the Kolkata mood every time you log on to
ebizzkolkata.com – from tits and bits like movies, happenings and events you are likely to know
about traffic updating, route and location outline and also the weather conditions. Simply a
revolution, the http://www.ebizzkolkata.com is a gamut of endless opportunities. Now it’s your turn
to draw the real benefits out of it.
A complete Information Portal on kolkata .............2@@9!!

ebizzkolkata.com is simply meant for a 2 z solutions to hold businesses from Kolkata in the global front. Don’t take it granted for another simple directory containing some pages of information already available in the net. It is a unique medium to make your dream come true. The possibility to enrich your business for posterity lies in the speed and connectivity that ebizzkolkata.com can provide you with. Here is how. Get specific business solutions and redefine your modes of extending business with no loss of time and energy. Hit the exact target and strike the best deal with the buyers and entrepreneurs from every nooks and corners of the world in the most cost-effective way. Generating the one-point solution for the industrialists to expand business unboundedly. Bridging the gap between the customers and the companies in every possible way. Not just business and corporate solutions, any type of links you demand for are readily available with the yellow and white pages service of ebizzkolkata.com – that can be phone numbers, postal addresses, e-mail addresses etc. Get a readymade warm-up with the Kolkata mood every time you log on to ebizzkolkata.com – from tits and bits like movies, happenings and events you are likely to know about traffic updating, route and location outline and also the weather conditions. Simply a revolution, the http://www.ebizzkolkata.com is a gamut of endless opportunities. Now it’s your turn to draw the real benefits out of it.
http://www.ebizzkolkata.com/supplier.php?id=6
Representing kolkata to the world !!

ebizzkolkata.com is simply meant for atoz solutions to hold businesses from Kolkata in the global front. Don’t take it granted for another simple directory containing some pages of information already available in the net. It is a unique medium to make your dream come true. The possibility to enrich your business for posterity lies in the speed and connectivity that ebizzkolkata.com can provide you with. Here is how. Get specific business solutions and redefine your modes of extending business with no loss of time and energy. Hit the exact target and strike the best deal with the buyers and entrepreneurs from every nooks and corners of the world in the most cost-effective way. Generating the one-point solution for the industrialists to expand business unboundedly. Bridging the gap between the customers and the companies in every possible way. Not just business and corporate solutions, any type of links you demand for are readily available with the yellow and white pages service of ebizzkolkata.com – that can be phone numbers, postal addresses, e-mail addresses etc. Get a readymade warm-up with the Kolkata mood every time you log on to ebizzkolkata.com – from tits and bits like movies, happenings and events you are likely to know about traffic updating, route and location outline and also the weather conditions. Simply a revolution, the http://www.ebizzkolkata.com is a gamut of endless opportunities. Now it’s your turn to draw the real benefits out of it.
http://www.ebizzkolkata.com/category_details.php?cat_id=3
Film & TV Internships & Music Internships !!
Starting a Music Internship is an excellent way to break into the music industry and land a music industry job with a Major Record Label. Whether you are wanting to get involved in the production, a&r, management, publishing, marketing, and/or operation departments, getting your foot in the door and landing the music industry job is essential.
HollywoodEntertainmentJobs.com lists many Internship programs ranging from Major Record Labels, TV Networks, Production Studio, Gaming Companies, etc.
Whether you are looking for a music industry job in a rock record label like Interscope Records, a pop record label like Jive Records or a hip hop record label like Def Jam, the key is getting in. So regardless of your personal taste in music, they key is just to get your foot in the door, even if you have to start at a different label and work your way around.
HollywoodEntertainmentJobs.com offers and connects our subscribers with many internship programs from all the major record labels and major affiliated labels. Some people end up getting a music industry job through an indie and work their way up. There are also a number of independent record labels such as Wind Up Records, Koch, and Epitaph that have delivered music from platinum hit makers. Wind Up Records first artist was Creed and they delivered a #1 album the first week they were released. Epitaph was the first independent to have an artist to go platinum. That release happened with The Offspring on their “Smash” album.
We all know of David Geffen who founded Asylum Records (Warner Bros) and later on launched Geffen Records (Universal) that was home to Guns and Roses, Nirvana, The Counting Crows, etc. What few people realize is that David Geffen began his career working in the mailroom at the William Morris Agency. Today he is one of the greatest Music Moguls of our times.
Kevin Liles who presently is the Executive Vice President to the Warner Music Group and was the President of Hip Hop record label Def Jam Music started out as an intern. He was an intern under Russell Simmons with Def Jam and went on to becoming President of that label! These are only a few success stories to the importance of internship programs.
Internships and assistants are the two best ways to break into the market from an “entry-level” type of position at a Major Record label. HollywoodEntertainmentJobs.com is the Entertainment job super-site. We are the PREMIER job board for the entertainment market.
We have the largest active Entertainment Jobsite in the United States and International markets! We publish jobs that range from intern to high level executive and EVERYTHING in between.
We also entail detailed criteria of enrolment through HollywoodEntertainmentJobs.com.
Major Record Label/Music Label Internships typically are for college-enrolled students however there are a number of ongoing internships for non-enrolled students looking to get their foot in the door. Browse and check out our active music internship programs which are always being listed through our site. Make it your first step at landing a music industry job.
HollywoodEntertainmentJobs.com lists many Internship programs ranging from Major Record Labels, TV Networks, Production Studio, Gaming Companies, etc.
Whether you are looking for a music industry job in a rock record label like Interscope Records, a pop record label like Jive Records or a hip hop record label like Def Jam, the key is getting in. So regardless of your personal taste in music, they key is just to get your foot in the door, even if you have to start at a different label and work your way around.
HollywoodEntertainmentJobs.com offers and connects our subscribers with many internship programs from all the major record labels and major affiliated labels. Some people end up getting a music industry job through an indie and work their way up. There are also a number of independent record labels such as Wind Up Records, Koch, and Epitaph that have delivered music from platinum hit makers. Wind Up Records first artist was Creed and they delivered a #1 album the first week they were released. Epitaph was the first independent to have an artist to go platinum. That release happened with The Offspring on their “Smash” album.
We all know of David Geffen who founded Asylum Records (Warner Bros) and later on launched Geffen Records (Universal) that was home to Guns and Roses, Nirvana, The Counting Crows, etc. What few people realize is that David Geffen began his career working in the mailroom at the William Morris Agency. Today he is one of the greatest Music Moguls of our times.
Kevin Liles who presently is the Executive Vice President to the Warner Music Group and was the President of Hip Hop record label Def Jam Music started out as an intern. He was an intern under Russell Simmons with Def Jam and went on to becoming President of that label! These are only a few success stories to the importance of internship programs.
Internships and assistants are the two best ways to break into the market from an “entry-level” type of position at a Major Record label. HollywoodEntertainmentJobs.com is the Entertainment job super-site. We are the PREMIER job board for the entertainment market.
We have the largest active Entertainment Jobsite in the United States and International markets! We publish jobs that range from intern to high level executive and EVERYTHING in between.
We also entail detailed criteria of enrolment through HollywoodEntertainmentJobs.com.
Major Record Label/Music Label Internships typically are for college-enrolled students however there are a number of ongoing internships for non-enrolled students looking to get their foot in the door. Browse and check out our active music internship programs which are always being listed through our site. Make it your first step at landing a music industry job.
Film Schools in usa!~!
· The Art Institutes - Film Programs - (800) 557-7216
· Academy of Art University
· Ames Media Institute, Online Film and Digital Media School - (239) 793-5255
Arizona
· The Art Institute of Phoenix - Video Production Program - Phoenix | (800) 557-7216
· The University of Arizona, Department of Media Arts - Tucson | (520) 621-7352
· Zaki Gordon Institute - Sedona | (928) 649-4279
California
· The Art Institute of California - Los Angeles, Film Programs - Los Angeles | (800) 557-7216
· The Art Institute of California - Sacramento, Digital Filmmaking & Video Production Program - Sacramento | (800) 557-7216
· The Art Institute of California - San Francisco, Digital Filmmaking & Video Production Program - San Francisco | (800) 557-7216
· Academy of Art University - San Francisco
· Brooks Institute of Photography - Santa Barbara
· Columbia College Hollywood - Tarzana
· Platt (Media Arts) College - San Diego
· The Los Angeles Film School - Hollywood
· New York Film Academy - Universal Studios Hollywood
· FIDM/The Fashion Institute of Design & Merchandising - (800) 624-1200
Los Angeles | Orange County | San Francisco | San Diego
· San Francisco School of Digital Filmmaking - San Francisco | (415) 522-1200
· LA Feature Film Academy - (310) 288-6500
· American Film Institute - Los Angeles | 323.856.7628
· Aria Films - Jamul | 619.669.6892
· California College of the Arts, Media Arts - San Francisco | (800) 447-1ART
· California Institute of the Arts, School of Film/Video - Valencia | (661) 255-1050
· Chapman University - Orange | (714) 997-6765
· Darwin Mitchell - Agua Dulce | (661) 268-8902
· Dell'Arte International, School of Physical Theatre - Blue Lake | (707) 668-5663
· Kodak Advanced Cinematography Workshop, Hollywood - Hollywood | (323) 464-6131
· Los Angeles City College, Department of Cinema and Television - Los Angeles | (323) 953-4000 ext. 2627
· Loyola Marymount University, School of Film and Television - Los Angeles | (310) 338-2700
· Motion Picture Driving Clinic - Palmdale | (818) 341-9526
· MultiMedia Arts - La Mesa | (619) 589-9919
· San Diego State University, Television, Film, and New Media - San Diego | (619) 594-5450
· San Francisco State University, Cinema Program - San Francisco | (415) 338-1629
· Stunts-Ability - San Diego | (619) 785-6846
· Thrillseekers Unlimited, Hollywood - Hollywood | (866) 4 X.STUNTS
· University of California - Berkley, CinemaSpace - Berkeley | (510) 642-1415
· University of California - Los Angeles, Theater, Film & Television - Los Angeles | (310) 825-5761
· University of the Pacific, Film Studies - Stockton | (209) 946-2121
· Academy of Art University
· Ames Media Institute, Online Film and Digital Media School - (239) 793-5255
Arizona
· The Art Institute of Phoenix - Video Production Program - Phoenix | (800) 557-7216
· The University of Arizona, Department of Media Arts - Tucson | (520) 621-7352
· Zaki Gordon Institute - Sedona | (928) 649-4279
California
· The Art Institute of California - Los Angeles, Film Programs - Los Angeles | (800) 557-7216
· The Art Institute of California - Sacramento, Digital Filmmaking & Video Production Program - Sacramento | (800) 557-7216
· The Art Institute of California - San Francisco, Digital Filmmaking & Video Production Program - San Francisco | (800) 557-7216
· Academy of Art University - San Francisco
· Brooks Institute of Photography - Santa Barbara
· Columbia College Hollywood - Tarzana
· Platt (Media Arts) College - San Diego
· The Los Angeles Film School - Hollywood
· New York Film Academy - Universal Studios Hollywood
· FIDM/The Fashion Institute of Design & Merchandising - (800) 624-1200
Los Angeles | Orange County | San Francisco | San Diego
· San Francisco School of Digital Filmmaking - San Francisco | (415) 522-1200
· LA Feature Film Academy - (310) 288-6500
· American Film Institute - Los Angeles | 323.856.7628
· Aria Films - Jamul | 619.669.6892
· California College of the Arts, Media Arts - San Francisco | (800) 447-1ART
· California Institute of the Arts, School of Film/Video - Valencia | (661) 255-1050
· Chapman University - Orange | (714) 997-6765
· Darwin Mitchell - Agua Dulce | (661) 268-8902
· Dell'Arte International, School of Physical Theatre - Blue Lake | (707) 668-5663
· Kodak Advanced Cinematography Workshop, Hollywood - Hollywood | (323) 464-6131
· Los Angeles City College, Department of Cinema and Television - Los Angeles | (323) 953-4000 ext. 2627
· Loyola Marymount University, School of Film and Television - Los Angeles | (310) 338-2700
· Motion Picture Driving Clinic - Palmdale | (818) 341-9526
· MultiMedia Arts - La Mesa | (619) 589-9919
· San Diego State University, Television, Film, and New Media - San Diego | (619) 594-5450
· San Francisco State University, Cinema Program - San Francisco | (415) 338-1629
· Stunts-Ability - San Diego | (619) 785-6846
· Thrillseekers Unlimited, Hollywood - Hollywood | (866) 4 X.STUNTS
· University of California - Berkley, CinemaSpace - Berkeley | (510) 642-1415
· University of California - Los Angeles, Theater, Film & Television - Los Angeles | (310) 825-5761
· University of the Pacific, Film Studies - Stockton | (209) 946-2121
Buy Individual Health Insurance from Affordable Health Insurance Options !!
The Basics of Individual Health Insurance
Individual health insurance is a medical insurance plan that covers those who are not in a group plan. Major Medical insurance can offer comprehensive, long-term or permanent healthcare coverage with benefits options that can include family members, vision and dental benefits, drug and office visit co-pays, and preferred provider discounts.
Individual Health Insurance is suitable for persons who are self-employed, unemployed or employed part-time. This type of policy is also appropriate for early retirees and people not eligible for membership in a group insurance plan.
When shopping for individual health insurance it pays to shop around and get multiple rate quotes from different companies. Price is the most confusing aspect of the individual health insurance market. For instance, the premiums for similar products from different insurers can vary by as much as 50 percent for the same person. In addition, the rules and regulations about individual health insurance vary from state to state, making comparison-shopping a challenge for the consumer.
Also, group policies offered by employers are almost always cheaper than private health insurance plans. That doesn't mean an individual health plan will be priced out of your reach, but it means you may have to give up some choice to keep costs down.
Choosing individual health insurance from is going to be a balancing act between cost and coverage, as well as your philosophy of care.
Get an Individual health insurance quote for a Medical insurance plan from Affordable Health Insurance Options today. Your health matters.
Individual health insurance is a medical insurance plan that covers those who are not in a group plan. Major Medical insurance can offer comprehensive, long-term or permanent healthcare coverage with benefits options that can include family members, vision and dental benefits, drug and office visit co-pays, and preferred provider discounts.
Individual Health Insurance is suitable for persons who are self-employed, unemployed or employed part-time. This type of policy is also appropriate for early retirees and people not eligible for membership in a group insurance plan.
When shopping for individual health insurance it pays to shop around and get multiple rate quotes from different companies. Price is the most confusing aspect of the individual health insurance market. For instance, the premiums for similar products from different insurers can vary by as much as 50 percent for the same person. In addition, the rules and regulations about individual health insurance vary from state to state, making comparison-shopping a challenge for the consumer.
Also, group policies offered by employers are almost always cheaper than private health insurance plans. That doesn't mean an individual health plan will be priced out of your reach, but it means you may have to give up some choice to keep costs down.
Choosing individual health insurance from is going to be a balancing act between cost and coverage, as well as your philosophy of care.
Get an Individual health insurance quote for a Medical insurance plan from Affordable Health Insurance Options today. Your health matters.
wHAT iS wHAT iN hEALTH iNSURANCE !!
What is individual and family health insurance?
Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations (often called group insurance).
What kinds of individual and family insurance plans are available?
Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid. Typically, indemnity plans reimburse you for your medical expenses regardless of who provides the service, although in some cases your reimbursement amount may be limited.
There are three basic types of managed care plans: (1) Health Maintenance Organizations (HMOs), (2) Preferred Provider Organizations (PPOs), and (3) Point of Service (POS) plans. Although there are important differences between the different types of managed care plans, there are similarities as well. All managed care plans involve an arrangement between the insurer and a selected network of health care
providers (doctors, hospitals, etc.). All offer policyholders significant financial incentives to use the providers in that network. There are usually specific standards for selecting providers and formal steps to ensure that quality care is delivered.
In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.
What is a PPO?
A PPO is made up of doctors and/or hospitals that provide medical service only to a specific group or association. Rather than prepaying for medical care, PPO members pay for services as they are rendered. The PPO sponsor (usually an employer or insurance company) generally reimburses the member for the cost of the treatment, less any co-payment. In some cases, the physician may submit the bill directly to the
insurance company for payment. The insurer then pays the covered amount directly to the healthcare provider, and the member pays his or her co-payment amount. The price for each type of service is negotiated in advance by the healthcare providers and the PPO sponsor(s).
What is an HMO?
Though there are many variations, HMO (Health Maintenance Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.
With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
What is a POS?
A point of service plan is a type of managed healthcare system where you pay no deductible and usually only a minimal co-payment when you use a healthcare provider within your network. You also must choose a primary care physician who is responsible for all referrals within the POS network. If you choose to go outside of the network for healthcare, you will likely be subject to a deductible (around $300 for an individual or $600 for a family), and your co-payment will be a substantial percentage of the physician's charges (usually 30-40%).
What is an Indemnity Plan?
A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.
Under an Indemnity plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician.
However, this kind of freedom will cost you. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.
An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
What is an HSA?
Is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. Funds may be used to pay for qualified medical expenses at any time without federal tax liability.
Withdrawals for non-medical expenses are treated very similarly to those in an IRA account in that they may provide tax advantages if taken after retirement age, and they incur penalties if taken earlier. Not all high-deductible plans are eligible for use in conjunction with an HSA.
What is a co-payment?
A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require that you pay for a specific medical service or supply. For example, your health insurance plan may require a $35 co-payment for an office visit or $25 for a brand-name prescription drug, after which the insurance company often pays the remainder of the charges.
What is a deductible?
A "deductible" is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Not all health insurance plans require a deductible. As a general rule (though there are many exceptions), HMO plans typically do not require a deductible, while most Indemnity and PPO plans do.
What is coinsurance?
Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment or deductible requirements), then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80.
What is the difference between in-network and out-of-network providers?
An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with the health insurance plan. Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider. Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers.
As a general rule, PPO, POS, and HMO plans make use of provider networks. Indemnity plans typically do not.
When can my coverage start?
You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records. (Underwriters will receive your application much faster if you "eSign" your application.)
Is it possible to only insure my child?
When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered entered in the children field.
If I apply for an insurance plan, am I obligated to buy?
No. You are under no obligation to buy a health insurance plan when applying for health insurance. After submitting your application you may cancel it at any time during the underwriting process. In addition, federal law mandates a 10 day ʻfree lookʼ where you can cancel your policy at an point within the first 10 days of issuance.
Can I contact someone if I need help?
Yes. We believe in providing you with top-quality customer service. Our agents are all fully licensed health insurance agents and knowledgeable representatives, ready to assist you.
Contact information can be found on the Contact Us page.
Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations (often called group insurance).
What kinds of individual and family insurance plans are available?
Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid. Typically, indemnity plans reimburse you for your medical expenses regardless of who provides the service, although in some cases your reimbursement amount may be limited.
There are three basic types of managed care plans: (1) Health Maintenance Organizations (HMOs), (2) Preferred Provider Organizations (PPOs), and (3) Point of Service (POS) plans. Although there are important differences between the different types of managed care plans, there are similarities as well. All managed care plans involve an arrangement between the insurer and a selected network of health care
providers (doctors, hospitals, etc.). All offer policyholders significant financial incentives to use the providers in that network. There are usually specific standards for selecting providers and formal steps to ensure that quality care is delivered.
In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.
What is a PPO?
A PPO is made up of doctors and/or hospitals that provide medical service only to a specific group or association. Rather than prepaying for medical care, PPO members pay for services as they are rendered. The PPO sponsor (usually an employer or insurance company) generally reimburses the member for the cost of the treatment, less any co-payment. In some cases, the physician may submit the bill directly to the
insurance company for payment. The insurer then pays the covered amount directly to the healthcare provider, and the member pays his or her co-payment amount. The price for each type of service is negotiated in advance by the healthcare providers and the PPO sponsor(s).
What is an HMO?
Though there are many variations, HMO (Health Maintenance Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.
With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.
What is a POS?
A point of service plan is a type of managed healthcare system where you pay no deductible and usually only a minimal co-payment when you use a healthcare provider within your network. You also must choose a primary care physician who is responsible for all referrals within the POS network. If you choose to go outside of the network for healthcare, you will likely be subject to a deductible (around $300 for an individual or $600 for a family), and your co-payment will be a substantial percentage of the physician's charges (usually 30-40%).
What is an Indemnity Plan?
A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.
Under an Indemnity plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician.
However, this kind of freedom will cost you. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.
An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
What is an HSA?
Is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. Funds may be used to pay for qualified medical expenses at any time without federal tax liability.
Withdrawals for non-medical expenses are treated very similarly to those in an IRA account in that they may provide tax advantages if taken after retirement age, and they incur penalties if taken earlier. Not all high-deductible plans are eligible for use in conjunction with an HSA.
What is a co-payment?
A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require that you pay for a specific medical service or supply. For example, your health insurance plan may require a $35 co-payment for an office visit or $25 for a brand-name prescription drug, after which the insurance company often pays the remainder of the charges.
What is a deductible?
A "deductible" is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Not all health insurance plans require a deductible. As a general rule (though there are many exceptions), HMO plans typically do not require a deductible, while most Indemnity and PPO plans do.
What is coinsurance?
Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment or deductible requirements), then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80.
What is the difference between in-network and out-of-network providers?
An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with the health insurance plan. Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider. Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers.
As a general rule, PPO, POS, and HMO plans make use of provider networks. Indemnity plans typically do not.
When can my coverage start?
You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records. (Underwriters will receive your application much faster if you "eSign" your application.)
Is it possible to only insure my child?
When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered entered in the children field.
If I apply for an insurance plan, am I obligated to buy?
No. You are under no obligation to buy a health insurance plan when applying for health insurance. After submitting your application you may cancel it at any time during the underwriting process. In addition, federal law mandates a 10 day ʻfree lookʼ where you can cancel your policy at an point within the first 10 days of issuance.
Can I contact someone if I need help?
Yes. We believe in providing you with top-quality customer service. Our agents are all fully licensed health insurance agents and knowledgeable representatives, ready to assist you.
Contact information can be found on the Contact Us page.
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