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Understanding Your Health Insurance Costs | Consumer Reports
Baffled by premiums, deductibles and out-of-pocket maximums? Here is an overview of health insurance that will help clear things up and give you a better sense of how your money is spent.
Просмотров: 224290 Consumer Reports
Benefit decisions – finding the right dental and vision coverage
Are you considered an employer of choice? The quality of benefits you provide is directly related to your employees’ job satisfaction and productivity. So, what is the value of your current benefit plans? In this video, Barry Johnson from Ameritas and Chris Hilkemann with Crete Carrier Corporation provide tips on how employers can: • measure the value of their employee benefits • find a great benefits partner • provide dental and vision coverage that meets employees’ needs • be considered an employer of choice
Просмотров: 586 Ameritas
How to answer "what are your career goals?" –Interview Tips,Skills to crack Interview
Interviews can make or mar the chances of getting a job. There are some despite having all the qualifications and attitude, fail at the interview because their answers to some questions were not satisfactory. Some interview questions can be tricky and one of such questions is, ‘What are your career goals and how do you plan to achieve them’. The answer to this question should be in such a way that it augurs well with the company’s future and your calibre so that the interviewers get the feeling that you both are on the same page. Each candidate is different so will be their answer to this question but at the same time, how one approaches this question can be common. Here are some ways to answer the very tricky yet relevant question as to what your career goals are and how you plan to achieve them: 1. Adopt a practical approach: When asked about your career goals and your plans to meet them, first talk about things you have done so far and your plans that you have chalked out for yourself. Just see to it that whatever goals and plans you talk about are associated some or the other way with the job for which the interview is being conducted. 2. How an experienced person should answer: If the candidate is aiming for a managerial position in accounts section, he can talk about the courses he has undertaken in latest accounting field. Then he can talk about his vision of becoming a senior accounts manager in the near future. 3. How a fresh candidate should answer: If an entry level candidate is going to say he hopes to become a writer after five years, then, be sure that this question will be the last and the person will be right away asked to leave. Thus it is safer to say that he is looking at learning new skills and learning more about the field so that he can gradually rise to a senior position. 4. Avoid narrow answers that you think is humorous: Sometimes, sense of humour doesn’t make any sense at all. If you are planning to say that your career goal is to take over the post of the manager who is interviewing, the latter will not see any sense in your humor rather in all probability, he will see you as a potential threat and avoid hiring you. 5. Think about career advancement activities and formulate an answer: For anyone to advance in their career, they need good training, handling of new responsibilities, learning leadership skills and a focus on individual development attributes. Frame an answer including these points so that the interviewer knows that your ultimate aim is. 6. Display your enthusiasm: When the interviewers find you enthusiastic about your career goals, they will get a feel that you will be able to handle responsibilities well because you are excited about new role and job. 7. Walking the fine line is helpful: Some interviewees tend to give emotional answers to this question while some will delve on personal and professional career goals and some tend to present a long list of career goals. It is best to strike a fine balance and to be concise yet detailed to answer in such a way that it presents you as a professional talking sense, and not some emotional fools who appear to be day dreaming. There are also a few things that you should avoid saying.  Do not mention goals about going back to school or starting a family. This may make it seem like you won’t be with this company for the long haul.  Do not mention a career path that couldn’t happen in the company you are interviewing with.  Be careful not to start bragging about what you think you will accomplish. Here is a good sample of an answer about career goals: I want to continue learning new techniques that will make me a better technician. I really strive to be the best that I can be, which means that my goals include staying current which means I will attend seminars and workshops. I also want to use the knowledge that I gain to help others reach their top potential. I could see myself being a great leader and manager who pushes the employees to be better and therefore make the company better. Download our app today to manage recruitment when ever and where ever you want : Link :https://play.google.com/store/apps/details?id=com.freshersworld.jobs&hl=en ***Disclaimer: This is just a training video for candidates and recruiters. The name, logo and properties mentioned in the video are proprietary property of the respective organizations. The Preparation tips and tricks are an indicative generalized information. In no way Freshersworld.com, indulges into direct or indirect promotion of the respective Groups or organizations
Просмотров: 41383 Freshersworld.com Jobs & Careers
Where Do You See Yourself in 5 Years? - Ideal Sample Answer
WHERE DO YOU SEE YOURSELF IN 5 YEARS - IDEAL SAMPLE ANSWER ➡️ Get your brand new, impressive, Top Notch Resume here: https://topnotchresume.lindaraynier.com/signup ➡️ Get private career coaching from Linda here: http://www.lindaraynier.com/standoutgethired ➡️ Get your brand new, Strategic Cover Letter here: https://www.lindaraynier.com/strategic-cover-letter-workshop/ ________________ In this video, I'll teach you the Where do you see yourself in 5 years example answer that is my secret formula to responding successfully to the "where do you see yourself in five years" question. This video will give you the where do you see yourself in 5 years sample answer so you can respond with ease. Not sure if mine is the Where do you see yourself in 5 years best answer, but if you follow my formula and research where do you see yourself in 5 years example answers, you'll see that I do have a special one. Where do you see yourself in 5 years interview questions are tough and here I show you how to respond so you can give the where do you see yourself in 5 years answer.  And here’s a hint. The answer does not involve you saying that you want to be in a higher level role, such as Manager or Director. Before we answer this question, we need to understand why the employer is asking this in the first place and there are 2 reasons which I mention in the video. From there, I give you my secret-no-secret 2 part formula to successfully answer the “Where do you see yourself in 5 years?” interview question. If you follow this formula, you’ll be golden! ----- FREE DOWNLOADS: ⬇️ Download my FREE Resume Samples PDF document here: https://bit.ly/2vjNwMM ⬇️ Download a copy of my 10 Ultimate Resume Hacks to Land more Interviews and Job Offers PDF here: https://bit.ly/2JRQR93 ________________ Become part of a growing community with over 3700 other corporate professionals in the supportive Ambitious Professionals Mastermind Facebook group here: https://www.facebook.com/groups/288240514997485/ Interested in getting personally coached by Linda to enhance your personal brand, advance your career and/or land your dream job? ➡️ Click here: http://www.lindaraynier.com/standoutgethired and fill out the application form. ________________ If you liked this video, please give it a thumbs up 👍 , subscribe, share it with your friends. CONNECT WITH ME: Website: https://www.LindaRaynier.com Instagram: https://www.instagram.com/lindaraynier/ LinkedIn: https://www.linkedin.com/in/lindaraynier Facebook: https://www.Facebook.com/lindaraynier If you want to learn more about how to make your resume stand out, watch my Resume Hacks - How to Make a Resume Stand Out video here: https://youtu.be/bueXJC5Myow Or if you want to learn how to answer the “Tell Me About Yourself” interview question, watch my “Tell Me About Yourself - A Good Answer to this Question” video here: https://youtu.be/kayOhGRcNt4 Also, to learn more about how to answer “Where do you see yourself in 5 years?” watch these videos: Interview Skills - Where do you see yourself in 5 years time? Expert advice Antony Stagg https://www.youtube.com/watch?v=YR3yiJnMYe8 WHERE DO YOU SEE YOURSELF 5 YEARS DOWN THE LINE? INTERVIEW QUESTION Freshersworld https://www.youtube.com/watch?v=A0utb57yWtw Job Interview Tips. Where do you see yourself in 5 years? Example of a good answer. DenhamResources https://www.youtube.com/watch?v=AJgZUC34k-c
Просмотров: 1195282 Linda Raynier
Aflac's Vision Plan
Learn about Aflac's Vision Plan and how it may help you and your family (only available through employer payroll deduction)
Просмотров: 489 D Lynn Winslow
How Health Insurance Works
When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible? Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of. Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as $30 for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges. Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses. Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met. Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don't typically apply to co-payments. Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime. Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy. Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least $2 million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits. Some health insurance plans purchased before March 23, 2010 have what is called "grandfathered status." Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage. If you purchased your health insurance policy after March 23, 2010 and you're due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment. There are five important changes that occurred with individual and family health insurance policies on September 23, 2010. Those changes are: 1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums. 2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud. 3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement. 4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services. 5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state's open-enrollment period before their application will be approved.
Просмотров: 588807 eHealth
The IKEA Group - The Story of How We Work
To create a better everyday life for the many people: that is the IKEA vision. But, what exactly do we mean by this? How can a home furnishing company create a better everyday? http://www.IKEA-usa.com We believe quality and design should be affordable to many. We use the five elements of "democratic design" -- form, function, quality, sustainability and a low price. So instead of thinking outside the box, we got rid of it. At IKEA, we want to inspire people to create the home they dream of. Follow us on a journey from home through design, supply and distribution to find out how they come together to create quality products at low prices. To us, creating a better everyday life for the many people also means making a difference for the people and communities where we work. This film lets you know more about how.
Просмотров: 212991 IKEA USA
Inspire your Team! Ultimate Leadership Speech. Give Great Powerpoint Presentations - Keynote
http://www.globalchange.com Great leadership speeches - connect with audience passion. How to give world-class powerpoint presentations using Powerpoint 2007, Powerpoint 2011, on PC or Mac. How to wow your audience as CEO or Chairman at an annual corporate event. How to win customers and communicate vision at corporate events. How to structure your presentation, using embedded videos, images, multimedia content. Common powerpoint mistakes. Death by Powerpoint. How to lose audience attention. How to make a speech and how to give a world-class lecture. How to prepare a talk. How to communicate with an audience. How to overcome stage fright and stage nerves before giving a speech. Customer + team passion, change management - leadership styles to change teams, structures, processes, organisations, businesses. Take hold of your future: emotions. Lessons from the past in trends analysis, growth strategies, leadership training, motivational speaker. Patrick Dixon biography, bio, cv - ranked one of world's 20 most influential business thinkers alive today (Thinkers 50 2005) Great events change people: 4,500 event organisers(MPI. Keynote conference speaker (MPI).Future corporate events: motivational leadership programmes, executive education, team development, innovation seminars, strategy workshops, consumer groups, marketing forums, competitor analysis think tanks, team building exercises and motivational client events. Effective management depends on great communication of leadership vision, mission and strategy. Future of banks, banking, insurance, health, technology, social media, advertising, telecom, mobile phones, smartphones, e-commerce, retail, manufacturing, logistics, supply chain management, oil industry, energy, environment, green tech, pharmaceutical industry, education, government trends, regulation, compliance, human resources. Conference organisation and event planning. Great leadership speeches, motivational tools for team leadership, and how to communicate with large audiences. Change management, business transformation and vision building. Video by keynote conference speaker and Futurist Patrick Dixon. How to motivate business leaders for high performance, profitability and shareholder value. Industry trends for successful events in banking, banks, financial services, investments and fund management, insurance, retail, manufacturing, logistics, services, advertising brands, marketing, aviation, travel, transport, tourism, construction and real estate, government and non profit organisations, energy, sustainability, sustainable innovation, green technology, open innovation, crowdsourcing, outsourcing, food and drink / beverages, fast-moving goods (FMG), IT and communications, mobile phones, smart phones, satellite, entertainment industry, music industry, media, public relatiions, human resources, change management, strategy, risk management and other sectors. Secrets of successful corporate events, and how to give a great, inspiring, uplifting, encouraging, powerful CEO keynote speech. Effective executive education, programme development and manager training. Work-life balance and workplace motivation, leadership styles and team building. Staff retention, motivation, recruitment and talent development. University degree courses, MBAs and career progression. Why staging, lighting, theatre and performance really matter in successful corporate events. Videoconferencing, virtual teams, virtual working and virtual organisations why most people do not like videoconferencing and how to make video interviews or presentations work in conference programmes. How to create and deliver great lectures using powerpoint and other technology. Innovation and creativity in conference planning or business school programmes. Impact of global warming, climate change and energy prices on demand for corporate events, corporate travel and event location. Secrets of great event production, staging and use of multimedia. Presentation by keynote conference speaker, author and broadcaster Patrick Dixon author of Sustainagility, Building a Better Business and Futurewise.
Why Should I Use a Health Savings Account (HSA)?
Why Should I Use a Health Savings Account (HSA)? Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 122002 The Dave Ramsey Show
WellCard Savings  employer video
Employers enjoy access to pharmacy, dental, vision, telemedicine at no cost to you or your employees. Stop paying monthly access fees. Use this valuable budget neutral benefit enhancing program.
Просмотров: 173 WellCardSavings
Employee Engagement - Who's Sinking Your Boat?
Ahoy! Did you know that 7 out of 10 employees are dis-engaged, and 2 out of 10 are actually trying to sink your boat? Watch and learn the latest employee engagement research, and learn what engaged employers can do to keep their organizations afloat. --------------------------------------------------------------------- Produced and written by The Employee Engagement Group™, including @BobKelleher, John Konselman, and Allan Benowitz. Animation by Anton Thallner. Research from sources below. ------------------------------------------------------------------------------------------------------------- About Bob Kelleher (www.BobKelleher.com) 781-281-7257 Bob Kelleher is an award winning author, speaker, thought leader, and consultant, and travels the globe sharing his insights on employee engagement, leadership, and workforce trends. Bob is the author of 4 books: the best seller LOUDER THAN WORDS: 10 Practical Employee Engagement Steps... That Drive Results, CREATIVESHIP, A Novel for Evolving Leaders, EMPLOYEE ENGAGEMENT for Dummies, and I-ENGAGE, Your Personal Engagement Roadmap. Bob is also the President and Founder of The Employee Engagement Group. -------------------------------------------------------------------------------------------------------- About The Employee Engagement Group (www.EmployeeEngagement.com). 781-281-7257 We are Global leaders in Employee Engagement Surveys, Assessments (The Engagement Accelerator), Workshops, Keynotes, Consulting, and The Engagement Toolbox (where you get to own our extensive library of content). -------------------------------------------------------------------------------------------------------------- Research sources include: Gallup, State of the American Workplace Report, 2013 Bersin Talent Management Systems, Market Analysis, Trends, & Provider Profiles, 2013 Silkroad Technologies, Creating a High-Performance Work Environment, 2013 Kenexa, Workforce Trends Report, 2013 Fast Company Magazine - Creative Conversations with Mark Crowley, 2013 Temkin Group, Employee Engagement Benchmark Study 2012 Corporate Leadership Council, Driving Performance and Retention Through Employee Engagement, 2012 Forbes.com, Employee Engagement: Every Leader's Imperative, May 2013 The Economist, Re-engaging with Engagement, 2011 Parade Magazine Poll, 2012 Dale Carnegie, Employee Engagement Survey, 2012 Jim Collins and Jerry Porras, From Good to Great
Просмотров: 1099027 Bob Kelleher
Vision Insurance - How Much Will I Have To Pay For Out-Of-Pocket Expenses?
http://VisionBenefits.com - This is a series of Questions and Answers to help you understand Vision Insurance. To get MORE information, go to http://VisionInsurance.com and you can get much more info. The topic of this video is: How Much Will I Have To Pay For Out-Of-Pocket Expenses? Here is some of what is discussed in this video: Charlie: I'm sure this comes up an awful lot: "How much will I have to pay out of pocket?" My company gives me a benefit, a benefit means it's something that should benefit me, why do I have to pay some things out of pocket? How much am I going to have to pay out of pocket for my top-of-the-line vision insurance company? Kathy: It depends on the type of plan that is set up between the insurance company and the employer, there are a lot of different plan designs. A top-of-the-line vision insurance company is going to have different plan designs to offer. Some employers will purchase the basic lens plan; routine eye glass exam with basic lenses covered, which would be single vision or lined bifocal lenses in glass or plastic. Polycarbonate is always covered through a top-of-the-line plan for children under the age of 19. Then there's also usually a frame allowance. Then there would be an allowance for contact lenses. You want to find out first what exactly your coverage plan is. Then if you choose to get what we call non-covered lens options -- say, for example, you're covered for a basic lined-bifocal lens, but you like a no-line progressive lens. If your plan doesn't cover the progressive no-line bifocal lens then the top-of-the-line vision insurance company is going to have in their contracts with the provider/doctor's offices the ability to control the costs on those out-of-pocket expenses for the member. What that means for the member would be if you want to purchase that progressive option on your lenses, you're not going to be paying a huge amount or even the normal retail amount on a set of those lenses. The insurance company is going to have a contract to keep those costs down lower than the normal retail rates that the doctor would charge. You want to know that up front, too. You want to always ask the provider before you agree to purchase the glasses what your out-of-pocket cost, if any, is going to be. Charlie: We could go spend $10,000 a year on vision insurance and have everything covered, but nobody does that. It's like automobile insurance, I don't go spend $10,000 so that every little nick I get is insured. The company has decided and this is how much they allow, but if I get the progressives, I'm still paid toward that even though that wasn't part of the plan? Kathy: Yes, right. You still get some money towards that. The insurance company isn't absorbing it, but they're keeping that cost down. A progressive lens might cost $300 to $450 retail, but if you at least have the coverage for the basic lined-bifocal lens and you just have to pay a little bit out of pocket, there are so many choices for progressive lenses out there, from standard progressives to premium progressives to digital progressives, you could spend between $58 and $140. Even the $140 lenses on a top-of-the-line is certainly better than $400. Charlie: Absolutely. - - - - - You know you need great vision and eye care is vital. PLUS, getting an eye exam can help determine other physical problems like MS (in addition to glaucoma and other diseases of the eyes). Companies and nonprofits often offer Vision Insurance as a benefit to their employees and associates. But not too many people know much about it, so this series was created. Eye glasses, contact lenses, and good vision health - learn more in this series by going to http://VisionBenefits.com http://youtu.be/QHyjKHidOFM https://plus.google.com/109792828777762026131?rel=author
Просмотров: 44 VisionInsuranceUpdate
What Is MEC Wellness Preventative Plan?
MEC plans are a viable solution, but are not what most think of as traditional health insurance. They cover only certain wellness and preventive services specified by the ACA. Hence, the cost is less than traditional group health insurance and can be paid by the employer, the employee or co-funded. Our mec enrolled into wellness preventive plan no, if you enroll the. Plan you will not qualify for a subsidy at the health insurance mec wellness preventive plan is an employer sponsored, self funded that has been deemed to be in compliance with aca rules and regulations plans starting. Office visit co pay, $10 generic prescription. Indemnity mec essential staffcare 2017 benefitsminimum coverage (mec) wellness preventive plan enrollment form. Specialist office our med advantage minimum essential coverage (mec) plan offers the following mec plans give members access to preventative healthcare services as well screenings and other programs that encourage health wellness preventive is an employer sponsored, self funded has been deemed be in compliance with aca rules regulations insurancethis provides for such immunization routine heath screening. Essential staffcare minimum essential coverage. Wellness benefit $50 3 year physician office visit $60 6 labs &. This plan availability of summary health information for mec wellness preventive. Mec essential staffcare 2017 benefits. How preventative and wellness benefits employee employer each year, preventable. Minimum essential coverage (mec) plans ebso benefits1st employment insurancehow mec are a great benefit to employees and employers. Affordable care act frequently asked questions mec wellness mec) plan enrollment form how to enroll mccall staffing fixed indemnity new enhanced integrative preventive health services benefits open may 2 16 mystaffmark. Planned are mec health plans game changers for employers in aca healthyessentials plus minimum essential coverage (mec) plan benefits a card. The mec wellness preventive plan is an employer sponsored, self funded that has been deemed to be in compliance with aca rules and regulations minimum essential coverage (mec) group offers a covers preventative services, jul 15, 2014 while plans can eliminate the penalty, employers should they cover only certain services specified by are designed provide 100benefits card for staffing industry. Choosing a health coverage how mec plans are great benefit to employees and employers. Indemnity programs are defined as 'excepted' benefits in regards to the aca (they same category of supplemental such dental and vision insurance). Your plan offers a series of health coverage options. Indemnity mec essential staffcare 2017 benefits essentialstaffcare indemnitymec url? Q webcache. This includes plans available through the health work in california, hawaii, new jersey, york, or rhodemec wellness preventive plan. Essential staffcare preventive care only plan starts at #1. Note indemnity programs are not major medical insurance. Yo
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Valeo Top Employer 2018
Valeo received the Global Top Employer label in 2018 for the fourth year running. This label rewards our best practices in talent attraction, compensation and benefits as well as training and skills development across 24 countries worldwide.
Просмотров: 4077 Valeo Group
CoPower: Benefit Solutions For the Small Employer
CoPower is a dental, life, and vision benefits administrator and solutions provider for Delta Dental, Unum, VSP, and MetLife. CoPower's mission is to bring big company benefits to California's small business market in a simple and affordable fashion. Our benefits solutions include both ancillary bundles and stand-alone plans, with voluntary and employer-paid options for each line of coverage. Today, CoPower provides group benefits and insurance services to nearly 6,000 small businesses and more than 250,000 of their employees. Watch this video to learn how CoPower's benefit plans and services can help your small business save time and money while giving your employees the benefits they deserve. To learn more about CoPower, visit www.copower.com or email us at sales@copower.com.
Просмотров: 94 CoPowerBenefits
Dollar A Day Dental - Consumer Sales
Are you one of the millions of Americans that don’t have dental or vision insurance because your employer does not offer it? Perhaps you’re self-employed...part time...a contract employee...or losing your coverage due to retirement or being over 65? At Dollar A Day Dental, we make smiles affordable for all ages at the same low rate...starting at less than a dollar a day. Dollar A Day Dental is REAL INSURANCE...your acceptance is guaranteed, and we make buying dental and vision insurance very simple. Oral health is a vital part of your family’s overall health and has been linked to conditions as serious as diabetes...stroke...and heart disease. Taking care of your teeth has become expensive – that’s why dental insurance makes good sense. Dollar A Day Dental gives you access to over two-hundred and sixty thousand providers, where we have negotiated substantial discounts to save you money...but, we are not a discount plan. You have real insurance that pays one-hundred percent for preventive care like cleanings ...exams… sealants… x-rays and fluoride treatments, with no deductible. Best of all, preventative coverage DOES NOT count against your annual benefit maximum. The insurance pays eighty percent on basic services to include fillings...extractions...and periodontal maintenance. And major services like crowns...bridges...and endodontics are paid at fifty percent. Best of all, and unlike most other individual plans, there is no waiting period for any or our dental benefits. Our vision plan covers glasses...exams...and contacts, and provides exceptional coverage at a low level cost. We make buying dental insurance easy by providing secure and fast enrollment through our website...or simply call us toll free, and our friendly professional staff will be happy to assist you. Nothing makes a better first impression than a healthy smile, so enroll today!
Просмотров: 97 SyncLab Media
What Are Some Health Insurance Companies?
Featured Multi-state Health Insurance ProvidersAetna.Assurant Health.IHC Group.Kaiser Permanente.Humana.UnitedHealthOne. Explanation of benefits a document that may be sent by an insurer to patient explaining what was covered for medical service, and in the united states, health insurance is any program helps pay expenses, there some evidence medicare advantage plans select patients with low risk employer sponsored paid businesses on behalf their employees as part employee benefit package learn about companies providers, get free provide guaranteed acceptance why rates are higher certain states 11 mar 2017 im looking. What are the best international health insurance companies finding an plan should be at top of your list priorities when 12 aug 2014 a 25 in u. Health care insurance companies private vsinvesting in health investopedia. Health insurance (major medical what links here related changes upload file special pages permanent is that covers the whole or a part of risk person incurring in addition, some company schemes have annual lifetime coverage maxima. Exclusions will vary based on the insurance company but some of 13 jun 2017 government sponsors many health programs to help people in addition, states (like northern states) are more lenient employers offer only one type plan. Anyone know of some good affordable companies? Answer i would recommend that you try this web humana has individual health insurance plans for and your family to best meet coverage wellness what's the difference? . Health insurers collected some $744 billion in 2013 direct the state agencies that license insurance companies 5 jan 2016 58. Health insurance companies health providers what are some affordable for young individuals and families humana. S10 insurance companies offering vision the balance. These are companies with a strong national or regional presence having insurance as their primary business[hide]insurance companies1. What are the best international health insurance companies? . Apply for health care coverage and buy insurance online while there's a lot of debate about what can be done to fix it, one truth that cannot this top ten list includes companies offer 22 may 2017 our experts have reviewed the best providers. Best health insurance companies top ten list thetoptens reviews. Dec 2016 vision insurance may or not be included in an employer health read your policy carefully to know what does cover., $10 for every visit to the doctor), while it contains detailed information about what the company paid and what. Compare health plans from more than 180 of the nation's leading insurance companies. Health insurance companies medical providers. Others may rules about who is eligible and what services are covered vary from state to the health insurance industry a very large integrated in u. Do any of these top health insurance carriers surprise you? . List of united states insurance companies wikipediahealth in the wikipedia. Smany health insurers cater to
Просмотров: 0 Shad Texada Tipz
EMPLOYEE BenefitCompare Tutorial
A brief explanation on how to use the Benefit Compare software tool to choose the right plan for you and any family members. After filling out a short, confidential profile questionnaire, the tool will give you plan recommendations that offer the best value based on the choices offered by your employer. Your employer's contribution, your individual health concerns, and your budget are all taken into consideration when presenting you with the top 3 plan options. www.BenefitCompare.com @BenefitCompare
Просмотров: 245 BenefitCompare
Employee Benefits 101: Understanding Your Options
The benefits package offered by an employer is an important consideration and the breath of employee benefits are ever expanding. In this webinar you will learn about: + How to pick the right medical plan for you and your family. + Understanding the importance of making informed benefits choices. + Ways to overcome specific barriers so you can save more for retirement. Presenter: Judy DeCourcey, senior benefits specialist at RIT. Judy is a senior benefits specialist in RIT’s human resources department, where she has worked for over 18 years. She has worked in the employee benefits field for 30 years. Prior to joining RIT, she worked at the Goulds Pumps corporate office in Fairport, N.Y., Massachusetts Institute of Technology, and a large law firm Boston. Judy earned her BS in business management from Skidmore College in Saratoga Springs, N.Y., and her MBA from Northeastern University in Boston. She holds the designation of Senior Professional in Human Resources (SPHR) from the Society for Human Resource Management. more »
Просмотров: 5576 RIT Alumni
Employer Health Insurance Pop Quiz
http://www.californiaemployeebenefits.com Trying to save money on health insurance for your employees? Do your health insurance rates go up every year? Innovative health insurance strategies can help. We are small business health insurance experts. --------- Employee Health Insurance, 401k plans, dental plans, vision plans, Health Insurance Control Solutions, HSA, HRA, Partially Self Funded Plans, Blue Cross health insurance, Blue Shield health insurance, United Healthcare Insurance, Pacificare health Insurance, Health Net Health Insurance, Kaiser, HSA, HRA, Partially Self Funded, Consumer Driven Health Insurance, Employer Driven Health Insurance, HDHP, CDHP, Health Insurance Agents in California, Employee Benefits Experts, Affiliate Healthcare Administrators, http://www.mybenefitsagent.com http://www.californiaemployeebenefits.com http://www.myhealthinsurancesucks.com
Просмотров: 1309 mbainsurance
Dental Discount Plans Provides The Best Discount Dental Plans
http://www.discountmedical4u.com/ / 407-808-8407 Dental Discount Plans Provides The Best Discount Dental Plans Dental Discount Plans will show you how you too can start saving money on your dental procedures. Are you one of 7 out of 10 Americans with no Dental Discount Plan? Look no further... it is now possible to access affordable Dental Discount Plans right from the comfort of your computer or mobile device. Save hundreds or even thousands of dollars on dental procedures, prescriptions and a whole list of others for your entire household. Whether you are looking for individual or family dental discount plans we have you covered. Our dental programs start off at $14.95 per month and $19.95 per month. Select the one that is right for you or your family. Since 1992, our services have saved average Americans hundreds of millions of dollars on their dental procedures. Let us show you how we can do the same for you. Here are just a few of the savings waiting for you with our Discount Dental Plans... For Healthy Teeth And Gums:
save 25% to 65% on all restorative and cosmetic work (fillings, crowns, braces, etc.) and up to 80% on preventive work (teeth cleaning, x-rays, etc.) performed by a general dentist. Even specialist's fees are discounted 25%. Save up to 65% on braces as well and these are only a few of the great discounts you can start receiving with our Dental Discount Plans. Many families in the United States do not have any type of Dental Coverage, and the recent healthcare bill does not include any real guide lines regarding Dental Plans. We all still need to get our teeth fixed, but nothing has changed in several years regarding Dental Plans. When you or your family need to see a dentist, shopping around for a new plan is a good idea; but it can be very overwhelming if you don't know what you're looking for. Dental Discount Plans for services have become very popular over the last decade as more and more employers drop coverage for their employees. These plans cost the least on a monthly basis, and provide great discounts when visiting the dentist office. There are no limits on how often you see the dentist or how much dental work you have done, and there is no paperwork or contracts to fill out. If you need to see the dentist as soon as possible, this is the best way to go because there are no waiting periods either. Individual Dental Plans are the new way to save on your dental needs. Sure, some insurances may cover somethings but 10 out of 10 times they won't cover it all. There needs to be some sort of deductible met first. Well with our Individual Dental Plans there are never any deductibles and you can rest assured you will always get the best service, whether just saving on a cleaning or having major work done, the amount of money you will save is unbelievable. What if you are one of the millions of Americans looking for Family Dental Plans. We'll we have you covered there as well and it gets even better. Most Family dental Plans are just that. They cover your family. With Our Family Dental Plans they cover anyone living under your roof. As long as they can show proof of residence they will be covered under the family dental plan. With today's economy, there are many people looking for ways cut corners and save on everything including their dental care. We offer Dental Discount Plans that provide an affordable alternative for individual dental care as well as family dental care, thus enabling millions to continue caring for their teeth. In case you have any upcoming dental work, our Discount Dental Plans activate immediately and are ready to start saving you money on dental procedures. Whether you're an individual, self-employed, retired, a part-time employee, or if your current employer doesn't provide dental insurance coverage, we have a discount dental plan that's right for you! Save on Dental Procedures today by using our Dental Discount Plans, you will be happy you did. You can visit us by clicking the link below. http://dentaldiscountplans101.com Dental Discount Plans Provides The Best Discount Dental Plans
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My Group Plan and Medicare - 877-88KEITH (53484)
My group plan and Medicare - how do they work together?. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) My Group Plan and Medicare: Understanding Your Options to Determine Which Coverage Is Best for You People want to be able to receive quality health insurance while saving as much as they can. If you are approaching your 65th birthday and you qualify for Medicare but you're still employed you probably have questions: Should I stay with my group plan and Medicare just be an option to sign up for upon leaving employment? Should I enroll in Medicare and drop my group coverage? Either way you have questions that need answers now so you know what action to take. Here are some points to help you think about your health insurance from another perspective. The Decision to Think about: Remain with Group Plan or Switch to Medicare? Upon your 65th birthday you become eligible for Medicare health insurance. This may become an issue if you decide to continue working. This is a good time to answer important questions about your healthcare needs. There are significant questions only you can answer such as who will pay for the health coverage? Do you have other people covered on your health insurance such as a spouse or dependent? How much money do you earn? These elements will play a role in helping you determine the direction you should go with your options. Answering Important Questions: Thinking about Your Group Plan vs Medicare If you are interested in Medicare coverage now is time to do your homework on both options (your group plan and Medicare). You may have another set of questions that need clear answers such as how much will you pay with your chosen Medicare plan? What part of Medicare do I have to sign up for? Can I use health insurance from my job with Medicare? These questions can be discussed with Medicare and your employer. There is a detail you can ask about if you haven't already regarding the use of Medicare with your group insurance. "When discussing matter with employer raise concerns about my group plan and Medicare." This is a thought many when comparing these options because they want to know which offers the most coverage and the best benefits. You should ask your employer about your group plan and whether it can be used with Medicare. This aspect is also referred to as credible coverage. This is when other forms of health insurance meet specific requirements of Medicare that allow the patient to retain their group insurance. An example of this would include drug coverage. Your group plan should provide prescription drug cover that is up to or exceeds standards of Medicare. If this is the case you may be able to keep your group plan and enroll in Medicare Part A or B. Should I Go with My Group Plan and Medicare be My Second Option? Keep in mind limitations apply. Looking at your personal situation and understanding how your group plan is paid for (How much does your employer pay and what do you pay?) can give insight on what your next step should be. If you decide to leave your group plan and enroll in Medicare ask about Medicare supplement insurance. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 3194 Keith Armbrecht
Dental Insurance for Seniors - 6 Great Coverage Options (2018)
Every wonder why Medicare failed to include dental insurance for seniors? In this video, I'll explain why and we'll then we'll review 6 great affordable types of senior dental plans. Finding a suitable senior dental plans is easier than you think, and there are options for just about every budget as well. Watch this video to learn about: -Dental, vision and hearing plans for seniors -Individual dental insurance plans -Dental discount plans -Pre-paid dental plans -Medicare Advantage plans Get more info: https://boomerbenefits.com/dental-insurance/ Follow Boomer Benefits for more Medicare tips and information: Twitter: @BoomerBenefits Facebook: http://www.facebook.com/BoomerBenefits Google+: https://plus.google.com+BoomerBenefits Are you New to Medicare? Get started here: https://youtu.be/b5aaCCrOnNk Learn about the costs of Medicare in this video: https://youtu.be/VKQNq_vUbM8 For more senior dental plans and options, we also recommend this video: https://youtu.be/cMLj0djm1Fw https://youtu.be/DubvIjyYEy4 -~-~~-~~~-~~-~- Please watch: "What is Medigap and What Do Medigap Plans Cover?" https://www.youtube.com/watch?v=X9siD41Wi0Q -~-~~-~~~-~~-~-
Просмотров: 3530 Boomer Benefits
Aflac Employer Benefits Presentation "DMP" (Part 2)
https://eamanfarzadpour.wixsite.com/aflac/product-and-services At AFLAC.DFW we provide top quality training for our employees believing that with their help we will add value to everyone one our customers. We understand that every agents success is directly related with building long lasting relationship with both employees and employers. Employer: Today, through Aflac every small or big business can provide top quality medical benefits for their employees at NO COST to employer. Providing policies as low as $7 can help every business: • Reduce taxes &a increase bottom line profits • No cost to the employer (Fully paid by individuals) • Reduce employee turnover rate • Add up value to the business • More attractive work environment We are able to add unmatched value to every employer through Aflac group benefit plan. More Info: 209-232-0079 Employee: Today, through Aflac every individual or group members can receive get medical coverage as low as $7/paycheck. We are able to add value to your life through: • Providing top quality at great price • Every group policy is eligible for one low rate • Grantee issued • Completely portable • Great covrage We are able to add unmatched value to every group and individual by offering top quality coverage service as low as 7/paycheck. More info: 209-232-0079 Agents: Today, through Aflac you can make sure you revive the best trainings and tools to assure you success as a business owner and entrepreneur as insurance sales person. We achieved success by providing our agents a great business design: • Well known brand • Increase sale (Great quality products) • Increase sale (Low prices for employees) • Increase sale (No cost to the employer) • Startup cost &Trainings: $0 Completely free • Leads: provided (3 months) • Location: DFW (TOP 3 metropolitans in U.S) • Pay structure: 1-Same day pay 2-Residual income 3-Aflac stock As we all know, Good design is good business and at Aflac.DFW we accomplished to create a successful & profitable opportunity for our agents. We have designed to succeed. More info:209-232-0079 At Aflac.DFW we are excited to add value to your life either as a business owner, individual or group employee or as an agents. We are looking forward to hear from you. More info:209-232-0079 Aflac.DFW@gmail.com Iman_farzadpour@us.aflac.com
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Ameritas - Choosing the Right Dental Plan
Просмотров: 641 Ameritas
Southwest Airlines: Our Purpose and Vision
From our very beginning, Southwest Airlines has been a maverick in the airline and Customer Service industries. We set ourselves apart every single day by delivering our Customers to the places, events, and People that are most important to them. This reason for being is encompassed in our defining statement -- our Purpose: To connect People to what's important in their lives though friendly, reliable, and low-cost air travel. We created this video to bring our Purpose to life through snapshots of interactions that our Employees have had with our Customers. These seemingly everyday situations demonstrate how our Employees go above and beyond to connect People to what's important in their lives.
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Small Group  Health Plan Options in Pennsylvania
Health plans for small employer groups are key to getting the top employees into your business and to help in retaining them. Whether is group health coverage, dental coverage, vision plans, shor term disability, long term disability, cancer,, critical illness, or accident plans, employer sponsored health coverage helps you to maximize your profits by retaining your best employees.
Просмотров: 9 Real Health Quotes, LLC
What Vision, Dental and Hearing Services Does Medicare Cover?
Medicare covers SOME dental, vision, and hearing services, given that they are medically necessary. However, in general, Medicare does not cover most dental, vision, & hearing care, such as routine care visits. Medicare supplement insurance will cover the deductibles, coinsurance, copays, and possibly excess charges associated with Medicare-approved expenses. Your Medigap plan will not cover any DVH services not covered by Medicare. For some, it may be financially prudent to enroll in a Dental, Vision, & Hearing insurance plan outside of Medicare and Medigap. Call us at (866) 894-3258 to see if a DVH plan makes sense for you. ========== GoMedigap is a Medicare supplement (Medigap) insurance agency based in Round Rock, TX that serves over 28 states. We represent over 30 of the leading Medigap insurance carriers in the nation and can help you find the best Medigap plan for the best price. Contact us for a free supplement quote or more info. Our licensed and experienced agents would love to help you find the right plan for you. Stay connected with GoMedigap! [+] Visit our website: https://goo.gl/Hmkqho [+] Like us on FaceBook: https://www.facebook.com/gomedigap [+] Call us to speak to a live agent: (866) 894-3258! [+] Get a free supplement quote online: https://goo.gl/zJoRSH
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HSN | Suze Orman's Experience with Dental Savings Plans from DentalPlans.com
Dental insurance, according to Suze Orman, America’s personal financial expert, is in most cases not a wise purchase. Suze says that the best way to pay for dental services is through a dental savings plan. Haven’t heard about them? Check out the special promotion that ran on HSN on 1/7/18 @ 9 PM EST. This special offer has been extended just for YouTube viewers. Here's a Q&A of Suze's experience with DentalPlans.com and dental savings plans: :DentalPlans: Suze, were you skeptical about dental savings plans when you first heard about them? Suze Orman: Of course I was! First of all - how was that possible that I had never heard of something that claims to save people money? And if it really does save people money why hadn't I heard about it? I for sure thought it was just another way to get people to buy something that did not work like the claims made by the company. Boy was I in for a rude awakening. DP: What’s your take on dental savings plans now? SO: The truth is dental savings plans are not only far more affordable to purchase than dental insurance - they can also save you more money in the long run especially if you need extensive dental work or braces. DP: Do you feel that dental insurance is still a good buy? SO: If your employer gives you dental insurance and you don't really have to pay for it in some cases it's okay. But if you need a lot of work done and have already maxed out your policy or have kids that need braces you will be shocked when you find out that most likely your dental insurance policy will not pay for it at all. So as maybe you can tell I am not a fan of dental insurance especially if you have to pay for all of it yourself. DP: What surprised you the most about dental savings plans? SO: First that they did exactly what they claimed to do which was to save me money on my dental work. At the time I purchased my dental savings plan in 2015 I already had a year where I needed quite a bit of dental work done. The problem with most dental insurance policies is they max out at $1500 per year so no way were they going to lay out a penny toward any more work that I needed. But on my next visit to the dentist my dental savings plan saved me $1400. DP: Was it easy to use your plan at the dentist? SO: Yes. I applied online, got my card in the mail, presented it at the time of checkout at my dentist’s office and saved money. And looking back, I can't believe how much money I wasted by not having a dental savings plan. If you want to save 10-60% on dental care, and not have to worry about the restrictions, limitations and exclusions associated with traditional dental insurance, check out why Suze wants you to get a dental savings plan in this video. Click here to learn more: www.Dentalplans.com/hsn
Просмотров: 3970 :DentalPlans
Popular Aflac Plans, Accident, Disability, Cancer
This is an overview of Aflac's most popular plans. Short-term disability, Accident & Cancer plans.
Просмотров: 4132 Alan Fricke
Look Who Loves VSP
Просмотров: 833 VSP Vision Care
When and How to Sign Up for Medicare - {Getting Started With Medicare}
When and How to Sign Up for Medicare - Getting Started With Medicare Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan N - https://www.youtube.com/watch?v=vORbZsWDrzg Details You Should Know When Signing Up for Medicare Part A and Medicare Part B If you are signing up for Medicare Part A and Medicare Part B, there are details you should review prior to obtaining coverage. There are different qualifications to review to ensure you qualify. You need to understand what each part covers and costs you are responsible for. There is a special period to enroll in Part B or you could pay a late enrollment penalty. Part A and Part B offer coverage for specific health services. You will be able to choose your plan based on needs. Part B has a premium you pay each month for as long as you have the plan. Qualifications to Know You are automatically eligible for Part A and B if you are receiving benefits from Social Security or the RRB (Railroad Retirement Board). If you have a disability and you’re under age 65, have ALS (amyotrophic lateral sclerosis), or receive SSI or RRB while living in Puerto Rico, you automatically qualify for Medicare. Most people who sign up for Medicare do so a few months before their 65th birthday. What to Know to Sign Up for Part A and B If you are still employed at age 65 you may qualify for Medicare. Certain health conditions also qualify you for coverage. Unique situation such as same-sex couples can also qualify under specific circumstances. You have roughly 7 months to apply for Part A and/or B. This time frame is centered on your 65th birthday. Signing up for Medicare Part A and Medicare Part B can begin 3 months before your birthday and the enrollment period ends 3 months or 90 days after your birthday. If eligible you can sign up for Part A free at any time. The enrollment period is from January 1 through March 31. July 1 is when your coverage begins. This could change if you also carry insurance through your employer. Ways to Sign Up for Coverage You can visit your local Social Security office or visit their website (Socialsecurity.gov/Medicareonly). You can call Social Security Administration and complete the process over the phone. You can also get information on enrollment through Medicare.gov. You can obtain an application through CMS (Centers for Medicare & Medicaid Services) online to download instantly. When you sign up you do so only once. Each year your coverage remains active as long as required premiums are paid. Beneficiaries are encouraged to review plan details each year as some may vary. During open enrollment period you can make changes to your coverage if necessary. What Else Should You Know? When signing up for Medicare Part A and Medicare Part B you don’t have to obtain both parts. If you drop your coverage you can reenroll during the enrollment period to avoid penalty. You can sign up for Part A without Part B, but if your sign up for Part B you may be required to get Part A. Keep an eye on monthly premiums as they can change and consider signing up for a Medigap policy. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 54451 Keith Armbrecht
Long Term Disability Insurance- The Top 10 Things to consider When Choosing Insurance Providers
http://www.disabilitydenials.com/choosing-disability-insurance.html In this video Marc Whitehead, a Board Certified Disability Attorney, discusses ten important things to consider when choosing your Long Term Disability Insurance plan. When looking through a disability insurance policy there are any things to consider. Since many disability plans offset or deduct Social Security benefits. There may be even more factors to consider when determining what disability insurance policy would be best for you. With so many different policy options, it can be hard to tell what is necessary and what isn't. To help you, we have narrowed it down to 10 things you should consider when choosing a disability policy. 1- Whether to purchase an Individual Policy or purchase a policy at work. If you are thinking of purchasing disability insurance, you may have to option of obtaining insurance coverage through your employers group insurance plan. However, most of these policies limit your enforcement of coverage because they are governed under Federal ERISA law. A better option, if you can afford it, is to purchase your own individual policy. Under this option you have the advantage of enforcing your policy should you ever need to use it. 2- The Definition of Disability There are many different ways to define disability. Most policies define a two teared definition of disability. With the definition shifting to a more difficult standard after a period of time. Initially the definition will be defined as an insured worker being unable to preform the duties and the responsibilities of their own occupation. Meaning the job they were preforming at the time of them becoming disabled. After some defined period, usually 24 months, the standard of disability will usually shift to a more difficult standard defined as an insured working being unable to preform any occupation. 3- Portability If you purchase your disability insurance through your employer, you must find out if you are able to keep that insurance if you leave the company. If you insurance is non-portable it will not follow you if you chose to leave the company. 4- The Premium Premiums vary depending on the insurance provider. Some policies allow you to lock in a premium, others don't. Also, you can get a non-cancel-able policy or a guaranteed renewal policy. 5- Cost of Living Benefits. Though cost of living is not included in most policies, adding this is definitely something you will wanna consider when making your choice on what disability insurance. Cost of living benefits are meant to provide financial stability by offering an increase in benefit over time. 6- Residual Benefits This will help you make up your income if you can only work partly. Meaning you are not able to work your previous job but you can preform a lesser paying job. Be careful because some insurance companies put restrictions on residual benefits, or tweak the definition to their liking. 7- Collection Time Period With some policies your could start collecting as soon as 30 days after your disability has been filed. The collection time can range from 30 - 700 days. 8- Coverage Changes Many policies could be changed by the insurance company at any time over the course of your coverage. This gives the insurance company the freedom to raise your coverage rates whenever they want despite whether your policy is up for renewal or not. Like wise insurance companies can change the terms of your insurance coverage without letting you renew. 9- Future Coverage Increases Although the future increase is in addition writer to your disability coverage. This is something worth considering if you think your insurance will increase over time. With this you are able to increase your monthly benefit of the policy while disregarding the status of your health. Without this policy your coverage will not protect your future income. 10- Renewability Provisions How long you can expect to be covered. A guaranteed renewable policy can't be canceled by the insurance company, even if an adjustment to a situation puts you at a greater risk. If with a guaranteed renewable policy the insurance company can still change your premium. For more information regarding disability insurance download our free eBook: Long Term Disability Insurance Policies: How to Unravel the Mystery and Prove your Claim at www.disabilitydenials.com Or contact our office to discuss your particular disability insurance claim 5300 Memorial Dr. Ste. 725 Houston, Texas 77007 1-800-562-9830 leslie@marcwhitehead.com
Просмотров: 1835 Marc Whitehead & Associates
Health Insurance | Coastal Benefits Group, Inc Chesapeake, VA
For more information visit: http://cbgiva.com Why do you need Health insurance? Health care costs are high, and getting higher. Health insurance protects you and your family in case you need medical care that can be very expensive. Unlike other insurances, Health Insurance is one you will use and might use regularly. It is important to understand how your plan works, what it covers and costs you will be responsible for. Affordable Care Act The Affordable Care Act was signed into law March 23, 2010. Changes in health coverage began in 2010 and continue to be implemented. Some of the changes that have occurred are: Preventive Care covered at 100% No annual or Lifetime limits Dependents can stay on a Parents plan until age 26 Preexisting conditions cannot be excluded You cannot be denied coverage or charged a higher premium due to preexisting conditions Policy cancellations are not allowed except for intentional misrepresentation or non-payment of premium. All Qualified Health Plans must have the 10 Essential Health Benefits Beginning 2014 health insurance is mandatory. A penalty payment can occur if you do not have health coverage, this payment will increase annually. The penalty will apply to each family member in the household. Some individuals may be eligible for subsidies according to the federal poverty level and choosing a Silver plan may be eligible for cost-sharing assistance. For more information on The Affordable Care Act you can go on HealthCare.gov online or call our agents at Coastal Benefits for assistance. When can I buy health insurance coverage? With the implementation of guaranteed health coverage you cannot wait to get coverage when you become sick or injured. The normal Open Enrollment period will be from October 15th and end December 7 for a January 1 effective date. There are specific situations, however, where an individual may get coverage outside the Open Enrollment Period, such as birth of a child, divorce, marriage, loss of employer coverage, ect. The new changes in health insurance can be confusing let us help you through the maze of information to get the best coverage for your needs. Call Coastal Benefits Group and we can help make a recommendation based on your needs. We provide policies for individuals, families, and small businesses. Dental/Vision Insurance Our overall health includes good dental and vision checkups. Doctors can detect signs of common health conditions by examining our eyes and teeth. Yearly exams are an important preventive measure for maintaining overall health and wellness. Many plans offer affordable packages for dental and vision benefits to help keep your beautiful smile and preserve your vision. We offer policies from many companies so you can choose a plan that fits your budget. Plans are available for individuals, seniors or small groups. Disability Insurance One major risk that individuals face in their lifetime is the possibility of becoming totally or partially disabled and unable to perform work duties for a period of time. Consequently, most people would have to use personal savings to pay for expenses while out of work. Disability insurance is designed to replace lost income for individuals and businesses. Call Coastal Benefits to inquire about how we can help protect you from loss of income. Quotes are at no cost or obligation to you. For more information visit: http://cbgiva.com
Просмотров: 46 Coastal Benefits Group, Inc
Dollar A Day Dental for a Healthy Smile
Are you one of the millions of Americans that don’t have dental or vision insurance because your employer does not offer it? Perhaps you’re self-employed...part time...a contract employee...or losing your coverage due to retirement or being over 65? At Dollar A Day Dental, we make smiles affordable for all ages at the same low rate...starting at less than a dollar a day. Dollar A Day Dental is REAL INSURANCE...your acceptance is guaranteed, and we make buying dental and vision insurance very simple. Oral health is a vital part of your family’s overall health and has been linked to conditions as serious as diabetes...stroke...and heart disease. Taking care of your teeth has become expensive – that’s why dental insurance makes good sense. Dollar A Day Dental gives you access to over two-hundred and sixty thousand providers, where we have negotiated substantial discounts to save you money...but, we are not a discount plan. You have real insurance that pays one-hundred percent for preventive care like cleanings ...exams… sealants… x-rays and fluoride treatments, with no deductible. Best of all, preventative coverage DOES NOT count against your annual benefit maximum. The insurance pays eighty percent on basic services to include fillings...extractions...and periodontal maintenance. And major services like crowns...bridges...and endodontics are paid at fifty percent. Best of all, and unlike most other individual plans, there is no waiting period for any or our dental benefits. Our vision plan covers glasses...exams...and contacts, and provides exceptional coverage at a low level cost. We make buying dental insurance easy by providing secure and fast enrollment through our website...or simply call us toll free and our friendly professional staff will be happy to assist you. Nothing makes a better first impression than a healthy smile, so enroll today!
Просмотров: 48 Arlution Health
Benefit Together Health Plan | Discount Dental Services
Benefit Together Health Plan | Discount Dental Services http://review606.com/Benefit-Together-Health-Discount Discount together also provides discounts on dental services, dental health services, dentures and dental services, emergency dental services, dental prosthetic services amongst many other discount services. Benefit Together is a Health Discount Company - which has negotiated complex contracts with nationally established providers to offer a comprehensive package of major discounts on many commonly used health and wellness products and services. It's very similar to a Costco, Sam's Club or AAA Card. The program offers savings on 10 core services, which are described below. Did You Know: 1. 90% of families who have medical insurance with an annual deductible of $2,000 or more never reach their deductible, resulting in costly out-of-pocket medical expenses? 2. Even with health insurance or Medicare, many health services are not covered? Doctors By Phone CallMD ­ The ability to call a Doctor 24/7 and answer health related issues and/or write prescriptions and phone them in to your local pharmacy - all without leaving your house! 12 doctor phone consultations/prescriptions are included each year with any Benefit Together plan. This is a revolutionary health and wellness service. Dental Services Aetna Dental Access ­ Vast savings at any of the 132,000+ dentists within the network. With or without dental insurance, this is an incredibly useful service as nearly all dental insurance plans do not cover cosmetic procedures. Optometry/Vision Services and Products VSP - A network of over 44,000 nationwide optometrists will accept the Benefit Together Discount Card for optometrists services and products. My significant other (who has dental/vision insurance through her employer), recently used the card to save $350 on special eye glasses which were not covered by her insurance. Approximately 3,000,000 Americans now have access to VSP Optometrists. Benefit Together Health Plan | Discount Dental Services Chiropractors, Acupuncturists, Massage Therapists & Fitness Clubs American Specialty Health - There are 20,000+ participants in this network, offering saving on specialty health services. There are also 15,000+ fitness clubs included. Pet and Veterinarian Discounts Pet Assure - A network of 3,200+ vets throughout the country offering 25% - 30% savings on typical veterinary services including: treatment, medicine, grooming and pet supplies. Vitamins/Supplements and Common Nutrition Products Swanson - 20,000+ of the most commonly used items found at nutrition and drug stores. These products are offered at the lowest price guaranteed, delivered to your door. Name brands include: Twin Lab, Now, Natures Way, Gillette, Keurig, Alka-Seltzer and thousands more. Hearing Services & Products Hear PO - 3,300 hearing specialists offering discounts on hearing services and products including hearing exams and hearing aids from the nations leading suppliers. Labs and Imaging Services Galaxy Health Network - Major cost savings on nearly any type of lab work and imaging services including: MRE, CT and PET Scans. Medical and Diabetic Supplies Better Living Now - 20 to 40% savings on 100,000+ medical supplies including: Diabetic strips & readers, home medical supplies, baby/infant care, male/female person products and nearly all commonly used medical/health related items. Benefit Together Health Plan | Discount Dental Services Prescription Medication MedImpact - Save up to 60% on over 17,000 prescription medications at over 64,000 pharmacies including: Walgreens, CVS, Costco, Rite Aid, Wal-Mart, Kroger, Long Drugs and many more. Both brand and generic prescriptions are offered. The Affordable Care Act (A.K.A. ObamaCare) makes these services more valuable than ever. We know because we are healthcare experts. We are a nationally prominent firm that was formed by a group of health care experts to help people save money on their health care needs and costs. Benefit Together has entered into agreements with the largest and best-in-class service providers in the United States using group purchasing power to get the lowest pricing possible for our members. We bundle these discount services together and package them into the four value-rich plans that enable us to deliver amazing cash savings to our Benefit Together members and their families. Benefit Together Health Plan | Discount Dental Services dental health services, dentures and dental services, emergency dental services, denture and dental services, dental services group, dentures & dental services, dental prosthetic services, discount dental services, https://www.youtube.com/user/DiscountHealthcarePl http://youtu.be/S6da2OQZeQQ http://youtu.be/VHj93O_ClKw http://youtu.be/DZUZ7mEURFw http://youtu.be/GVACbtOdsIw http://youtu.be/2q6JF1oq438
Просмотров: 108 Discount Healthcare Plan
Term Plan and Affordable Short Term Health Insurance
Term plan for health and soundness policy prepares that unremarkable come back to mind once people believe concerning soundness policy square measure employer-sponsored team wellness insurance policy ways, state-sponsored wellness insurance coverage ways, as well as specific health and wellness policy ways. If AN individual doesn't have the choice of getting right into an employer-sponsored team health and soundness policy strategy, he will unremarkable look right into shopping for a specific health and soundness policy strategy or state-sponsored health and soundness policy strategy. Lots of folks ignore the budget friendly, short-term medical insurance prepares promptly obtainable in the u. s.. Below are many of one of the foremost FAQ referring to short medical insurance. Just what is transient term medical insurance for Term plan ? Short-term medical insurance is medical insurance that lasts for half-dozen to twelve months, depending upon your demands. Short-term medical insurance is a value effective technique to amass short coverage to hide your aid costs, and also the aid costs of your unit. What type of aid square measure offered with short medical insurance? A short-term medical insurance strategy unremarkable provides the precise same form of aid offered with alternative medical insurance strategy. A short-term medical insurance strategy may supply you coverage for medical skilled goes to, surgical procedures, inpatient yet as patient therapies as well as treatments, various alternative a hospital keep solutions, discount rates on prescription drugs, in addition to oral treatment and also vision treatment. Term Plan and Affordable Short Term Health Insurance That should admit short medical insurance? A person that discovers himself jobless or arranged off should admit shopping for budget-friendly, short-term medical insurance in the u. s.. Simply since a person’s work condition modifications will not counsel his, and also his family members, medical requires adjustment, also.
Просмотров: 255 Models of The world
Coordinating Medicare Coverage with Employer Provided Health Care Benefits
Over the past two decades a phenomenon in retirement planning has become more and more apparent in our region: Individuals are postponing retirement (if they retire at all) till well past age 65 – the normal entry year into the Medicare system. The result raises several important issues regarding the coordination of employer provided health care benefits and the Medicare system. This medicare symposium, Transitioning into Medicare: Coordinating Medicare Coverage with Employer Provided Health Care Benefits was held on Friday April 17th in the Alcoa Room at Pitt Law. This symposium was presented by the Allegheny County APPRISE program in partnership with the University of Pittsburgh School of Law. See more at: http://law.pitt.edu/events/new-event/apr-17-medicare-symposium-transitioning-medicare-coordinating-medicare-coverage#sthash.F4Fb9a8V.dpuf
Просмотров: 582 University of Pittsburgh School of Law
Byrnes Agency | Employee Benefits | CT
Employee Benefits Employee Benefits, once a fairly straightforward aspect of running a business, has become complicated and costly for companies and their employees. Businesses are looking to provide their employees with cost-effective solutions within their company's financial means, and employees are seeking alternatives to help them with medical expenses, retirement, and financial security. Navigating through it all requires a firm that understands what an effective and competitive Employee Benefits program can do for both employer and employees. The Byrnes Agency is that firm. We can help your Connecticut business implement a program that provides a wide range of options, including Voluntary Benefits and a Retirement Program, which addresses both your younger and older employees who have different needs and expectations. What's more, we'll help you design a program that better enables you to attract and retain employees while also improving benefits. Your Byrnes Agency Employee Benefits plan can include (but is not limited to) the following: Group Health Group Dental Group Life Vision Plans Plans may be employee or employer paid, with optional pre-tax payroll deductibles and IRS 125 setups. Your profits depend on your employees. Let us help you design a benefits plan that fits your company's needs, is affordable, and helps your employees stay happy and healthy. Call our experts, email, or use this form for additional information. http://www.byrnesagency.com/employee-benefits-connecticut/
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Find Affordable Health Insurance In San Antonio, Texas
Obamacare is too expensive for millions of Americans. If you're one of them but still want Affordable Healthcare Coverage, I can help. http://thehealthinsuranceguy.com/texas-health-insurance-plans-quotes/ Get your quotes now and discover just how much coverage you can get and just how much money you could save! - Individuals If you work for an employer that does not offer health benefits, you can still have access to the benefits of your Choice. - Self Employed Self employed and small Business owners face particular challenges when it comes down to very affordable insurance coverage. Let me show you your alternatives. - Employer Groups Employer Group Benefits have become so expensive a lot of employers are having a hard time to continue offering them. I can show you how. With over 20 years in the Health Insurance Marketplace, I have the experience and know-how to help you get the right Health Care Coverage at the Right Rate. No matter if you are an Individual, Self Employed or Small Business Owner, or perhaps a Company trying to find group benefits for your employees. I can help. Allow me to put my experience to work for you. Exceptional Coverage from America's Major Insurers. Health Insurance. Accident Insurance. Life Insurance. Critical Illness Insurance. Medical Gap Insurance. Dental Insurance. Vision Insurance. Prescription Plans
Просмотров: 10 The Health Insurance Guy
Reasons to Enroll in Vision Insurance
Wondering if vision insurance is right for you? Choosing can be confusing and not all plans are equal. Here's how VSP can meet your needs: low out-of-pocket costs, a focus on wellness, 30,000 doctors nationwide, online shopping, and a large selection of covered frame brands.
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How To Build Your Vision From The Ground Up | Q&A With Bishop T.D. Jakes
Bishop T.D. Jakes and Pastor Steven have an inspiring conversation about entrepreneurship and leadership. Learn how to build your vision from the ground up by making the most of your God-given opportunities.
Просмотров: 2347547 Official Steven Furtick
Aflac Saratoga CA - Nick Pisano
Nick Pisano pisanogroup@gmail.com 408-981-1015 Controlling Costs Here’s how: Through affordable premiums, our plans help manage health care-related costs that can be overwhelming for you and your employees. We provide employees cash benefits to help pay for those out-of-pocket costs, at no direct cost to your business. Managing the Impact of Health Care Reform In this changing health care landscape, Aflac offers products that help strengthen your employee’s medical coverage (to help with expenses they’re not prepared to pay). Here’s how: We pay cash benefits regardless of any other insurance coverage your employees have in place, including policies available through government health care exchanges. By providing your employees with the resources to keep their minds off of their finances, you can keep their focus on their jobs. Employee Productivity More than 50 percent of employees wish their employer offered voluntary insurance.* Here’s why: Our supplemental plans help to build employee confidence by rounding out what major medical doesn’t provide. These voluntary insurance plans can raise levels of job satisfaction and help people feel more financially prepared to cope with possible life events.* Attracting and Retaining Talent Having a strong benefits package is key to attracting employees. Here’s how: Aflac policies help boost your benefits by rounding out what major medical doesn’t provide. Employees will have more confidence knowing Aflac’s supplemental coverage will help them in case of an illness or accident. Accident Insurance Provide your employees access to Aflac accident insurance that pays cash benefits to help provide peace of mind during the different stages of accident care and recovery. Benefits can be used to help pay for emergency treatment, as well as for treatment‐related transportation and lodging. Cancer Insurance Aflac cancer insurance is here to help your employees’ better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. That way, you can help your employees focus on more important things in life–like getting better. Critical Illness Insurance Our critical illness insurance can help with the treatment costs of a serious health event, so employees can focus on more important things in life–like getting better. Life Insurance Most people don’t have enough life insurance. Help your employees provide security for their loved ones with Aflac term life insurance. Hospital Insurance A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out of the stay, Aflac hospital insurance can help your employees be better prepared for unexpected hospital expenses not covered by their major medical coverage.\ Short-Term Disability Insurance Your employees’ income is often their most important financial asset. Aflac short‐term disability insurance offers income replacement benefits to help with the loss of income due to a covered illness or injury. Dental Insurance It’s no secret that routine dental care contributes to good medical health. Offer Aflac’s flexible dental insurance, which provides benefits for a variety of services, with no networks, deductibles, or precertification requirements. Vision Insurance Beyond helping maintain healthy vision, eye exams can help spot high blood pressure, diabetes, high cholesterol, and even brain tumors. The Aflac vision plan encourages employees and their families to be more proactive about caring for their vision.
Просмотров: 28 Nick Pisano
Group Health Insurance - Employer Solutions
You may be able to save money while offering your employees a better alternative to group health insurance. This video explains the benefits of Private Exchanges, a Detailed Employer Report, Defined Contribution and our Fulfillment Center.
Biggest Difference Between Your Employer Insurance and Medicare
The Medicare Coach explains the differences and similarities between group employer insurance plans and original Medicare.
Просмотров: 11 The Medicare Coach
Poverty, Employment, and Unemployment Explained - Ayussh Sanghi [UPSC CSE/IAS Preparation]
You can watch the entire course on Unacademy.com here:- https://goo.gl/6ZlXRU | Download the Unacademy Learning App from the Google Play Store here:- https://goo.gl/02OhYI | Discuss this course with fellow aspirants here:- https://goo.gl/Yemaqs The most comprehensive course on poverty, employment, and unemployment explained both from the general and India's perspective. Ayussh Sanghi has explained every little detail with the best examples. Must-watch for aspirants of all the major government examinations - UPSC CSE/IAS, SSC CGL, Bank PO, and more. Poverty is general scarcity or the state of one who lacks a certain amount of material possessions or money. It is a multifaceted concept, which includes social, economic, and political elements. Absolute poverty or destitution refers to the lack of means necessary to meet basic needs such as food, clothing, and shelter.[2] Absolute poverty is meant to be the same independent of location. Relative poverty occurs when people in a country do not enjoy a certain minimum level of living standards as compared to the rest of the population and so would vary from country to country, sometimes within the same country. Employment is a relationship between two parties, usually based on a contract where work is paid for, where one party, which may be a corporation, for profit, not-for-profit organization, co-operative or other entity is the employer and the other is the employee. Employees work in return for payment, which may be in the form of an hourly wage, by piecework or an annual salary, depending on the type of work an employee does or which sector she or he is working in. Employees in some fields or sectors may receive gratuities, bonus payment or stock options. In some types of employment, employees may receive benefits in addition to payment. Benefits can include health insurance, housing, disability insurance or use of a gym. Employment is typically governed by employment laws or regulations or legal contracts. The unemployment rate is a measure of the prevalence of unemployment and it is calculated as a percentage by dividing the number of unemployed individuals by all individuals currently in the labor force. During periods of recession, an economy usually experiences a relatively high unemployment rate. According to International Labour Organization report, more than 200 million people globally or 6% of the world's workforce were without a job in 2012. There remains considerable theoretical debate regarding the causes, consequences, and solutions for unemployment. Classical economics, new classical economics, and the Austrian School of economics argue that market mechanisms are reliable means of resolving unemployment. These theories argue against interventions imposed on the labor market from the outside such, as unionization, bureaucratic work rules, minimum wage laws, taxes, and other regulations that they claim discourage the hiring of workers. Keynesian economics emphasizes the cyclical nature of unemployment and recommends government interventions in the economy that it claims will reduce unemployment during recessions. This theory focuses on recurrent shocks that suddenly reduce aggregate demand for goods and services and thus reduce demand for workers. Keynesian models recommend government interventions designed to increase demand for workers; these can include financial stimuli, publicly funded job creation, and expansionist monetary policies. Its namesake economist John Maynard Keynes, believed that the root cause of unemployment is the desire of investors to receive more money rather than produce more products, which is not possible without public bodies producing new money. For more lessons/courses on UPSC CSE Preparation, please visit:- https://unacademy.com/upsc-preparation/
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ACUITY Insurance - Always a Great Place to Work!
Whether it's our award-winning camaraderie or our top-notch benefits, our employees love sharing why they’re proud to work at Acuity! Acuity Insurance attracts the best talent because we consistently think outside the box when it comes to the caliber of employees we hire and the quality of benefits we extend to each and every one of them. Some of these extraordinary benefits include: • On-site 27,000 sq ft fitness center • Unmatched health, dental, & vision insurance • Unlimited sick days • Unlimited tuition reimbursement • Ferris wheel and rock climbing wall in the building • Flexible employee scheduling • +10% contribution into employees 401K • Generous vacation plan • On-site banking • On-site dry cleaning Acuity continues to earn accolades on our best business practices and inspiring company culture! • #3 2015 Top Employer in America • Great Place to Work - #1 2015 Workplace in Insurance • Great Place to Work - #1 2014 We Love our Workplace Video • Great Place to Work - #1 2015 We Love our Workplace Video • Great Place to Work - 2015 Top 5 Company for Millennials • Great Place to Work - 2015 Top 10 Company for Camaraderie • Great Place to Work - 2015 Top 100 Company for Women • Ward’s 50 Best Run Company, 2000 - 2015 • A+ 2015 Financial Rating from A.M. Best • A+ 2015 Financial Rating from Standard & Poor’s • #1 2013 Best Medium-Sized Workplace in America • #1 2012 Best Medium-Sized Workplace in America • #1 2010 Best Medium-Sized Workplace in America • #2 2009 Best Medium-Sized Workplace in America • #2 2008 Best Medium-Sized Workplace in America • #5 2007 Best Medium-Sized Workplace in America • #5 2006 Best Medium-Sized Workplace in America • #2 2005 Best Medium-Sized Workplace in America • #1 2004 Best Medium-Sized Workplace in America Check out this video to hear why our employees believe ACUITY is a great place to work! Interested in joining the ACUITY team? Visit: www.acuity.com/careers.
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Medicare Advantage Plans Pros and Cons
Medicare Advantage plans are an alternative to Original Medicare and Medigap. Learn the PROS and CONS of this type of coverage. When you enroll in Medicare Advantage, you join a private Medicare plan that will pay your healthcare bills instead of Medicare. You agree to use the plan's network, and you'll pay for services as you go along. In this video, we share feedback from our own policyholders on the things they liked or didn't like about their Medicare Advantage plan. Be sure to check out this video before you enroll in any coverage. Get our FREE guide: Medicare Advantage vs Medicare Supplements: https://boomerbenefits.link/medigap-vs-ma-guide Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 40,000+ Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Please watch: "What is Medigap and What Do Medigap Plans Cover?" https://www.youtube.com/watch?v=X9siD41Wi0Q -~-~~-~~~-~~-~-
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Employee Benefits: Vision and AFLAC
Просмотров: 859 NortheastStateVideo