California exchange to include 13 health plans

As many as 5 million Californians next year will be able to shop for insurance from 13 health insurance plans, officials at Covered California, the state agency tasked with setting up its exchange, said Thursday.

Those plans are a combination of large commercial insurers and smaller regional plans. The state’s biggest carriers — Kaiser Permanente, Anthem Blue Cross of California, Blue Shield of California and Health Net Inc. — are participating, while some of the nation’s biggest carriers — UnitedHealth, Aetna and Cigna — are sitting out the Golden State altogether.

The other health plans include Alameda Alliance for Health, Chinese Community Health Plan, Contra Costa Health Services, L.A. Care Health Plan, Molina Healthcare, Sharp Health Plan, Valley Health Plan, Ventura County Health Care Plan and Western Health Advantage.

The exchange also released some sample rates, and they varied widely between plans.

The rates submitted to Covered California for the 2014 individual market ranged from 2 percent above to 29 percent below the 2013 average premium for small employer plans in the state’s most populous regions, officials said.

The average plan will carry a monthly premium of $300. But officials also noted that most people will receive a subsidy to help cover part of that cost.

“This is a home run for consumers in every region of California,” Peter Lee, executive director of Covered California, said in a statement. “Our active negotiating will not only benefit potential enrollees to Covered California, but will benefit all Californians by making health care affordable.”

via California exchange to include 13 health plans | BenefitsPro.

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Dear Mom

Dear Mom, $chool i$ really great. I am making lot$ of friend$ and studying very hard. With all my $tuff, I $imply can`t think of anything I need. $o if you would like, you can ju$t $end me a card, a$ I would love to hear from you. Love, Your $on

The Reply:

Dear Son,

I kNOw that astroNOmy, ecoNOmics, and oceaNOgraphy are eNOugh to keep even an hoNOr student busy. Do NOt forget that the pursuit of kNOwledge is a NOble task, and you can never study eNOugh. Love, Mom

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Realtor.com® to Provide Comprehensive Commercial Listings » Print

Realtor.com® to Provide Comprehensive Commercial Listings

Realtor.com®, operated by Move, Inc., and Xceligent, Inc., recently announced a strategic agreement to launch enhanced commercial search functionality on realtor.com® the official website of the National Association of REALTORS®.

As a result of this agreement, in the third quarter of 2013, Xceligent-owned site CommercialSearch.com will begin powering amplified commercial functionality on realtor.com®. Realtor.com® users will have access to the hundreds of thousands of commercial listings Xceligent has aggregated into CommercialSearch from multiple sources including: its fully researched markets, hundreds of MLSs, CIEs (Commercial Information Exchanges) of every market size, and the majority of the top 50 companies who provide commercial listings in the country. This combined information availability has made CommercialSearch one of the largest content sources of any public facing commercial real estate marketing site.

“Over the last few years, we have seen increased investor activity in the residential housing market. Many career real estate investors begin by investing in residential and eventually transition into commercial as they expand their portfolios,” commented Errol Samuelson, president of realtor.com®. “Enhancing our commercial real estate search bridges the information gap for residential real estate investors who cross over into the commercial space. CommercialSearch’s robust data set and primary sourced data made it a natural fit with realtor.com® and its commitment to accuracy and the industry.”

That primary sourced data that will soon be available to realtor.com® users comes from Xceligent’s flagship research product, CDX, which relies on hundreds of researchers proactively gathering information on every commercial building in a market. Currently in over 40 markets and rapidly expanding into the largest 65 markets, this data has helped create the foundation of CommercialSearch’s national listing content. Additionally, any agent in any U.S. market can currently contribute listings directly to CommercialSearch, thereby adding to the content that Xceligent’s research team is providing to CommercialSearch as a marketing benefit for the members of its main research system.

“Realtor.com®’s unparalleled credibility and reach paired with our unique ability to aggregate a national commercial inventory make this an alliance very powerful,” Xceligent CEO Doug Curry says. “We are confident that this agreement will provide an unrivaled value proposition through our new industry standard marketing platform and bring extraordinary exposure to the commercial listings marketed through CommercialSearch.”

For more information about realtor.com® commercial listings or CommercialSearch, click here [1].

Article printed from RISMedia: http://rismedia.com

via RISMedia » Realtor.com® to Provide Comprehensive Commercial Listings

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Long-term disability insurance

When a disability insurance policy is offered through an employer, it can be a wonderful employee benefit as well as a tool for employment recruiting and employee retention. Steve and Marcy discuss how DI can assist employers in protecting their key personnel and/or highly paid individuals. Many times when group long-term disability insurance is in place, a reverse discrimination occurs due to long-term disability limits. Steve and Marcy also touch upon the many riders and features that may be added to a long-term DI policy, such as the residual benefit rider and the cost of living adjustment (COLA) rider. Also mentioned in this episode is the taxability component of long-term disability policies on both individual and group plans.

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White House responds to repeal vote with new PPACA campaign

With Republicans moving once more to repeal the Patient Protection and Affordable Care Act yet again, the White House on Thursday responded by launching a new campaign promoting PPACA and urging Americans to join supporters.

White House Deputy Senior Advisor David Simas sent out a letter arguing that the Republicans’ repeal vote in the House is “meaningless,” and urged Americans to join a “network of people to help make sure that everyone has the information they need as we implement the law.”

Simas urged Americans to sign up on the White House’s web page, called Speak Out in Support of Health Care Reform, to speak out against the Republican effort to repeal the law.

“The health care law was passed by Congress, signed by the President, and upheld by the Supreme Court. It’s been the law of the land for more than three years. It’s not going anywhere,” Simas wrote. “We know that, and so do the lawmakers on Capitol Hill. But instead of creating jobs and growing the economy, some of them want to make yet another gesture of protest — even if it’s meaningless.”

Though it’s the 37th time Republicans have tried to either fully or partially repeal President Obama’s signature law, the party has some ammo in the latest vote.

It has seized on comments made by some top Democrats criticizing the law, such as Max Baucus’s remarks about PPACA being a “train wreck” because of bumbling implementation.

Party leaders also pressed their argument that there’s nothing affordable about the Affordable Care Act. Industry insiders have long warned that many premiums will increase, a fact that HHS Secretary Kathleen Sebelius conceded to in March.

But Simas wrote that repealing PPACA would mean losing important provisions that has already benefited millions of Americans.

On the site, the administration claims that 85 percent of Americans have already benefitted from the Affordable Care Act.

Poll after poll has shown that the law continues to remain unpopular. Additionally, Kaiser Family Foundation’s most recent health tracking poll found that four in 10 Americans (42 percent) are unaware that the PPACA is still law and is being implemented.

Worse yet, according to Kaiser’s poll, the share of Americans that say they lack enough information to understand how the PPACA will affect their families is higher among the two groups the law is likely to benefit most — the uninsured (58 percent) and low-income households (56 percent).

via ProducersWeb – Health – White House responds to repeal vote with new PPACA campaign.

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Has anyone ever told you ” I never got your email ”

liar-liar-pants-on-fire

Don’t you just hate it when you send someone an important email and they tell you ” I never got your email ” ? How can that be ? Everyone else that I email has gotten it but you…….I don’t believe you.

Now there is an application that you can secretly add to your emails to track who has gotten an email from you, what time they opened the email and where they were when they opened it up.

Outlook used to make the recipient reply that they have read the email – this application doesn’t require that. It secretly notifies you when your recipient has opened it and read it.

Check it out visit: http://www.yesware.com/

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Retirement – Planning for college and retirement at the same time

Planning for both college and retirement can be accomplished simultaneously without sacrificing one or the other. If you are a financial advisor who does work in both the college savings and retirement savings fields, it is imperative to guide your clients on a more personalized basis about what kind of investments they should be making.

Perhaps your client has already earned his college degree. He has worked in his particular industry for some time and has begun to think about how he can save money for retirement. At the same time, if he has a child or grandchild that is headed towards their college years, then perhaps he will also need to consider how to save for college to better help that child maximize his or her future.

There are numerous investment vehicles that can be used for your clients’ retirement purposes that are also beneficial to use to save for college purposes as well. For example, many people use annuities to save for their retirement goals. This can also be something that is used to start saving for college. Monies in annuities are tax-sheltered and can be pulled out to pay for or at least supplement the cost of college. The great aspect of utilizing annuities in this fashion is that these funds are usually not seen as assets when calculating qualifications for financial need for the students, and again, they offer wonderful tax advantages. You can help your clients gain more grants and scholarships for college on top of the benefits of the products themselves.

The second investment vehicle that can be utilized in a similar fashion to help pay or offset college expenses is life insurance. Monies in whole, universal and variable life policies are not equated as assets in college financial aid calculations, and all of these life insurance investments offer the flexibility of funds being pulled out tax-free any time they are needed. This offers tremendous advantages for both college and retirement planning. Once again, these are extra benefits your clients can receive simply by purchasing them at the right times.

Many financial advisors will tell clients to not put the goals for their children ahead of their own financial goals for retirement. As much as parents and grandparents seem hardwired to do anything and everything for their children, it can be backwards to put college savings for children ahead of both current and retirement savings goals of the parents. While your clients may be able to save enough for their children to go to college, they may be putting a big burden on themselves in the future if they have not saved enough for their own retirement.

via ProducersWeb – Retirement – Planning for college and retirement at the same time.

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Tips for Picking a Safe Restaurant

Food

One evening, I was sitting in a restaurant with my kids, and my youngest tugged on my shirt and said “Dad!  Watch!”  Like many of us, I was engaged in conversation on my phone, and I paused long enough to see why my 10 year old was so excited. He nodded towards our server and quietly whispered, “Watch her!”  What quickly unfolded was pure amazement.  My son had engaged in “people watching” the restaurant staff, and he had noticed some of the most obvious restaurant violations.  With an adult’s wisdom and understanding of the situation, my ten year old quickly began to explain what the server was doing wrong.  Then, he followed up with “Should we leave, Dad?”

So, I quickly watched the situation for several minutes before realizing that the problem stemmed mostly from one server.  Now, being a restaurant owner, I really want to know when staff is doing wrong.  I love hearing the praises from our guests, but I really encourage them to tell a manager when they have a problem.  I have come to realize that no matter how hard you try (through either training, discipline, or coercing), employees will make mistakes, and a few will do some of the darndest things.  So, I took my own advice, and I looked for a manager to report the problem.

After returning home, I got to thinking about the whole episode.  I realized my son picked up on her mistakes because he’s “helped out” in our restaurant.  I still chuckle at the time he reminded a milkshake splattered server in a teasing voice “Don’t forget to wash your hands.”  You should have seen the embarrassment that twenty something’s face.

But, back to my story…what if I wasn’t a restaurant owner and ServSafe® certified?  How would I have known there was a problem in this restaurant?  How could I keep my family safe? So, I began a list of tips that I’ll share with you:

Look for the food safety score to be within 15 feet of the door.  Simple, right?  Well, try looking for it the next time you go into a restaurant.  Make a game of it with your kids.  You will be amazed at where you find it.  We’ve found it close to the cash register, near the restrooms, backward facing so you see it on your way out, and not even posted.  While most of these aren’t a dead giveaway that something’s wrong, not posting it could be a sign that they don’t want you to know their score.  So, use this as a starting point and not the end of your visit.

Read the food safety score.  Duh!  Obvious, right?  Wrong!  What most people do not realize is that the previous scores are actually included in small print with the current score.   The current health score gives you a positive or negative snapshot of a particular date in time. However, consistently low scores (i.e. repeatedly in the 70s/C or below) across several dates can indicate a bigger problem.   As I posted in my previous blog, I have heard the phrase “I don’t eat at places with less than an A rating” uttered more than a few times. Unfortunately, many great restaurants have B ratings for minor infractions (e.g. dripping sink) that have little to do with food handling.

Check the bathroom to see if it’s grimy with dirt.   “Support bacteria. They’re the only culture some people have.” ~ Larry the Cable Guy.  Sounds like a pretty straight forward tip, right?  Well, there’s actually more to this tip than meets the eye.  In general terms, the kitchen is usually one of the dirtiest places in a restaurant due cooking and food preparation.  However, if the bathroom looks like Cletus’ mother’s second cousin has been washing the grease from their paws in there for 10 years; you can bet that they aren’t doing a thorough job of cleaning of their kitchen.

Watch for staff washing their hands.  The old cliché “a little soap and water never hurt anyone” rings true for restaurants.  Although hand washing is not easily noticeable in some eateries, this is a great tip to follow.  Frequent hand washing reduces food borne illness, and is a good sign that management is actively working to reduce food-borne illnesses.

Watch how they prepare that “Sweet Tea.”  Many an old southerner loves their sweet tea and saltines with “redneck caviar.”  But, it doesn’t mean your server should act like they are working at Aunt Bea’s house when it comes to your lemon.  Employees should not touch ready to eat foods with bare hands, and bare-hand contact with garnishes should be minimized.

Look for employee drinks in food preparation areas.  “Picture it…Sicily, 1918” ~R.I.P. Estelle Getty.  You know, Sophia from Golden Girls could always get her point across in the most down to earth, spunky way.  In similar fashion, imagine an employee making your sandwich and they reach over to take a sip of their drink.  Or, worse, they spill it while preparing your food.   Here’s the bottom line.  Many restaurants use designated areas for employee drinks because it eliminates health code infractions.  The drink should have a lid on it.  If you see an employee drink sitting on a surface where they are cooking or preparing food, be skeptical.  It creates a potential pathway for food-borne illness, or worse, to transfer illnesses from an employee to the consumer.

Look at the neatness of server fingernails.  I saved my humdinger for last because I still shutter every time I remember this story.  Not long after we opened the diner, I went to lunch with some business colleagues, and we were discussing this very topic.  They were asking me how I knew if a restaurant was safe, and I was imparting some of the tips I had learned.  About that time, our waitress appeared with our food, and she visibly had enough dirt and grime under her nails to start her own auto garage.  Needless to say, we never went back.  So, I always watch the nails.  I will say that management typically keeps a watchful eye on employee fingernails to prevent them from becoming unsightly and creating a food-borne illness pathway.  However, there is always one employee that spoils it for everyone.  So, if you see several staff with grimy and unkempt nails, there may be an underlying hygiene problem.

http://www.caintv.com/OutoftheMouthsofBabesTipsforPickingaSafeRestaurant-160

Published by: Neil Daniell on Friday July 20th, 2012

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Weekly News Update

Last week was a light calendar for regular economic reports, however the week was not without significant news. Specifically, the Dow Jones Industrial Average reached its highest point in history last Thursday, hitting a high of 15,144.83. It then followed on Friday, by hitting a record high close of 15,118.49.

For the week, the Dow was up 144.53, or 1 percent. For the year so far, the Dow was up 15 percent, with a year-to-date gain of 2,014.35 points. Friday closed with all eyes pointed on this week, wondering if the Dow Jones could continues its historic run.

The Dow wasn’t the only newsmaker. Another key announcement from last week was March consumer credit, which grew at an annual rate of 3.4 percent to hit $2.8 trillion, according to last week’s report from the Federal Reserve.

Revolving debt, such as credit cards, dropped 2.4 percent from February’s $847.9 billion to dip to $846.2 billion in March. Non-revolving debt, such as student loans, grew by 5.9 percent from February’s $1.95 trillion to $1.96 trillion in March.

In employment news, first-time claims filed during the week ending May 4 ticked down to 323,000, a decrease of 4,000 from the previous week’s revised figure of 327,000, the Employment and Training Administration reported last week. The four-week moving average was 336,750, a drop of 6,250 from the preceding week’s revised average of 343,000.

The total number of unemployed covered by insurance during the week ending April 27 was 3,005,000, a decrease of 27,000 from the preceding week’s revised level of 3,032,000, the Administration also reported. The four-week moving average was 3,034,250, a drop of 24,500 from the previous weeks revised average of 3,058,750.

In wholesale trade, sales of merchant wholesalers, except manufacturers’ sales branches and offices in March dropped to $414.7 billion, down 1.6 percent from February’s revised level, the Census Bureau reported last week. That said March’s sales were up 1.3 percent from the March 2012 level.

Meanwhile inventories of merchant wholesalers, except manufacturers’ sales branches and offices, notched up to $503.1 billion at the end of March, a 0.4 percent gain from February’s revised level, and 4.7 percent up from March 2012’s supply. This put the March inventories-to-sales ratio for merchant wholesalers at 1.21. The March 2012 ratio was 1.17.

This week, we can expect:

Monday — April retail sales from the Census Bureau; March business inventories from the Census Bureau.

Tuesday — April import and export prices from the Census Bureau.

Wednesday — April producer price index from the Bureau of Labor Statistics; April industrial production and capacity utilization from the Federal Reserve.

Thursday — Initial jobless claims for last week from the Employment and Training Administration; April consumer price index from the Bureau of Labor Statistics; April housing starts and building permits from the Census Bureau.

Friday — April leading economic indicators from the Conference Board.

 

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How should plans pay doctors?

Figuring out a better way to pay doctors might cut the cost and improve the quality of health care, but using bad quality measures could make matters worse, according to Dr. Frank Opelka.

Opelka, a medical education policy specialist who is active at the National Quality Forum, warned Congress against relying on low-quality care quality measures Tuesday, at a Medicare reimbursement strategy hearing organized by the House Ways and Means health subcommittee.

Policymakers who want to get providers to deliver care more efficiently need to use quality measures, to keep the providers from cutting costs by providing bad care or by providing too little care, witnesses said.

But “linking payment to poor quality measures will not drive the system to be more patient-centered or higher-performing,” Opelka said.

Linking payments to low-quality quality measures “will add cost and burden,” Opelka said.

Rep. Kevin Brady, R-Texas, the subcommitte chairman, organized the hearing because of worrries about rising Medicare costs; concerns that the traditional Medicare program “fee for service” payment system encourages providers to jack up revenue by providing too much care; and physicians’ anger about a proposed “sustainable growth rate” (SGR) Medicare physician pay rate cut that could slash reimbursement rates by more than 20 percent.

For years, almost every federal budget proposal has started out including SGR cut required by federal statutes. Congress has always responded to physician outrage by finding ways to postpone making any SGR cuts.

“My hope is that we can put the days of kicking the SGR can down the road behind us,” Brady said in a statement.

Private plans can use provider contract negotiations to do more to manage care than the traditional Medicare program can, but traditional Medicare program rules can have a big influence on the private health insurance market, because private plans often base their provider reimbursement schedules on the Medicare reimbursement schedule.

Dr. David Hoyt, executive director of the American College of Surgeons, testified in support of a proposal to replace the perennial SGR rate cut proposal with some new type of payment system that would give physicians an incentive to provide high-quality, efficient care.

The college believes in the importance of “breaking down the silos” that separate different types of providers and in coordinating care, Hoyt said.

“The college believes it is incumbent upon every physician and health care provider to commit to being a responsible steward of the nation’s health care resources,” Hoyt said. “Physicians and other providers will need to work together to achieve cost savings.”

One of the hearing witnesses, Dr. Patrick Courneya, medical director at HealthPartners Health Plan, said his plan has encouraged provider efficiency by offering bonus payments for providers that improve practice performance; providing grants to help physician groups upgrade their operations; supporting the creation of regional quality and patient satisfcation measures; and supporting the creation of cost measures.

One cost measure, the Total Cost of Care measure, combines a Total Cost Index measure with a measure of the amount of resources used to care for the patient, Courneya said.

Using the Total Cost of Care measure to help employers and consumers compare the value providers provide over time has helped HealthPartners beat state, regional and national cost benchmarks for three straight years, Courneya said.

Opelka, the witness from the National Quality Forum — a health quality evaluation group that has endorsed the Total Cost of Care measure — said high-quality quality measures should measure something that’s important to measure; be scientifically acceptable; be easy to create and use; and complement existing measures.

The National Quality Forum rejects about 30 percent of the proposed measures, Opelka said.

In other cases, Opelka said, proposed measures may fail to take illness severity or other risk factors into account.

A proposed stroke mortality measure was rejected because of concerns about risk adjustment, Opelka said.

via ProducersWeb – Health – How should plans pay doctors?.

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