Home Insurance Accident Coverage Essential

Accident Coverage Essential to Home Insurance

A recently published InsuranceAgents.com article encourages homeowners to verify their home insurance policies include accident coverage and to learn exactly what is covered.

Chicago, IL, October 29, 2009 - Homeowners insurance typically includes liability coverage, coverage for external living expenses, and contents coverage. According to an article recently published on InsuranceAgents.com, homeowners should also be sure that their policy includes home accidents coverage and know exactly what is covered and what is not covered in their homeowners insurance policy.

"Accidental damage is damage that happens suddenly as a result of a non-deliberate and unexpected action," the article, 'Homeowners Insurance: Accidents Happen,' states. "You will need to check your policy for which specific damages are covered and which are not. For example, your carpeting might be covered if it is stained but if apple juice is spilled on your laptop then you may be out of luck."

Homeowners insurance policies generally include tricky language that can be confusing and extremely specific as to what is considered an "accident." An example would be a pet dog that is not listed in a homeowner's policy and destroys some furniture. Sure, it's an accident but the fact that the dog was not included in the policy will most likely mean the damage isn't covered.

All homeowners should know their policies in and out. This will prevent filing a useless homeowners insurance claim that will inevitably get denied. Any homeowner who is confused of the language their policy contains should contact their home insurance agent. He or she will be able to answer any and all questions and provide sound advice for any homeowner.

Visit InsuranceAgents.com today to learn more about the ins and outs of home insurance quotes and the insurance industry as a whole.

Contact Information
InsuranceAgents.com
Tom Lustina
614 286 0193
tom@insuranceleadz.com
http://www.insuranceagents.com/home-accidents.html

 

Health Insurance Companies And Medical Tourism

US Health Insurance Companies/ Reinsurers Embrace Medical Tourism

West Palm Beach, FL, October 22, 2009 -- Many of the leading US health insurance companies, employers, agents, and reinsurers are attending the upcoming world medical tourism and global health congress, October 26-28th, 2009 in Los Angeles.

"Swiss Re appreciates the value of providing employers with the medical travel option to reduce health care costs for eligible operations without sacrificing quality of care," said Matt Leming, Vice President and Sales Leader with Swiss Re's Medical Expense Group. "Including coverage for qualifying medical travel expenses as a free and standard component of our employer stop loss offering helps expand the universe of those in the United States who can benefit from utilizing medical travel's high quality offerings."

The World Medical Tourism & Global Health Congress, http://www.medicaltourismcongress.com, is the official conference of the Medical Tourism Association (Global Healthcare Association) and is sponsored by the Medical Tourism Magazine, the official publication of the Medical Tourism Association, http://www.medicaltourismmag.com. The Medical Tourism Association (MTA), http://www.medicaltourismassociation.com, is the international non-profit trade association for the medical tourism industry which focuses on transparency in quality and pricing, communication and education. MTA has initiated commendable activities for growth of this emerging industry by publishing the world's leading Medical Tourism Magazine and hosting the world's largest Medical Tourism Congress.

Contact Melissa Skelton for more information in West Palm Beach, Florida. Melissa@medicaltourismcongress.com / 001.561.792.6676.

Contact Information
Medical Tourism Congress
Stephanie Falcone
561-792-6676
info@medicaltourismcongress.com
www.medicaltourismcongress.com

 

Drug Toxicity Assay Kits Increase Drug Development Efficiency

Bioo Scientific's Toxicity Assay Kits Increase the Efficiency of Drug Development

Bioo Scientific announced the launch of the MaxDiscoveryT Toxicity Assay Kits for the monitoring of toxic effects in in vivo preclinical studies.

Austin, TX, May 31, 2009 -- Since toxicity is one of the leading causes of drug failures, measuring preclinical toxicity is a critical drug development function. Accurate in vivo toxicity assays are essential to lowering attrition and increasing efficiency in drug development.

Bioo Scientific announced today the launch of their MaxDiscoveryT Toxicity Assay Kits. These kits monitor in vivo toxicity by measuring liver and heart function in serum samples. They provide simple, convenient, colorimetric determination of well-characterized functional markers of for liver and heart. They are ideal tools to monitor toxic effects caused by administration of siRNA, DNA plasmids, transfection agents or other therapeutic treatments during preclinical studies. The assays can be used in a range of mammals, including mice and rats, providing a powerful tool to assess and reduce the toxicity of drugs formulations and to improve drug delivery methods.

According to Dr Joe Krebs, Director of Protein Chemistry and Engineering at Bioo Scientific, "MaxDiscoveryT Toxicity kits are designed to provide researchers with rapid, cost-effective tools required to address the escalating challenges of drug development in today's competitive landscape."

Assays are available for alanine transaminase, aspartate transminase, alkaline phosphatase, lactate dehydrogenase, cholesterol, and creatine kinase.

About Bioo Scientific
Bioo Scientific Corporation is a global biotechnology tools company, headquartered in Austin, Texas. Bioo Scientific provides innovative products and services to academic researchers, pharmaceutical and biotechnology companies, molecular diagnostics laboratories, and customers who perform food and feed safety analysis.

Contact Information
Bioo Scientific
Dawn Obermoeller
512-301-4094
dawn@redbridgemarketing.com
www.biooscientific.com

No Apology From Allina For 18 percent Interest Rate

 Allina Hospitals & Clinics Responds to Attorney General's Suit

MINNEAPOLIS - January 2009 -- In response to a lawsuit filed today by the Minnesota Attorney General's Office, Allina Hospitals & Clinics made the following statement:

"Allina Hospitals & Clinics is surprised by the Attorney General's action today. Allina had been analyzing various proposals to modify MedCredit's interest rate structure for some time, and prior to the filing of this suit, Allina had made the decision to reduce the interest rate on all current and future MedCredit accounts to eight percent, regardless of the size of the balance. Allina communicated this to the Attorney General in December of 2008. Allina believes that this new rate structure is in the best interests of our patients who would benefit from the ability to pay their medical bills over time.

"While Allina believes the new rate of eight percent is appropriate going forward, it should be noted that the previous rate structure, which included a sliding interest rate scale based on the balance due, was fully consistent with Minnesota law, and was clearly communicated to all patients who participated in the program. The program is considered "open-ended credit," meaning that patients can use the program on an ongoing basis for subsequent care. The rates previously charged by Allina are consistent with Minnesota law for this type of credit.

Allina believes that MedCredit remains a valuable tool to help some patients pay their medical bills and that it may be a better alternative to financing such debt through a credit card, which may charge a much higher interest rate. Allina does not deny care to anyone based on inability to pay, and works with patients to help ensure they receive all possible forms of assistance in paying their medical bills, including free care or government assistance programs. Allina offers free care to individuals and families whose income is less that 275 percent of Federal poverty guidelines.

"Allina believes the allegations contained in the complaint are without merit and that the MedCredit program is fully compliant with the law. Allina looks forward to discussing this matter further with the Attorney General, and bringing it to a timely resolution."

Allina Hospitals & Clinics is a not-for-profit health care system of hospitals, clinics and other patient care services that provides exceptional care to communities throughout Minnesota and western Wisconsin and employs more than 22,000 people. Allina Hospitals & Clinics facilities, services and jobs can be found online at www.allina.com.

Contacts

Allina Hospitals & Clinics
David Kanihan, 612-262-4986
david.kanihan@allina.com
Cell: 612-867-2845

---

The lawsuit names as defendants both Allina Health System and its subsidiary, Accounts Receivable Services, a debt collection agency owned by Allina that does business under the name MedCredit Financial Services. It seems odd to me that they lowered the rate to 8% which happens to be the legal limit. As a non-profit perhaps they should consider lowering the rate still further, since that could only be in the best interests of their clients...

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