Pravin Dabhani




 A health insurance policy is:

A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national [health policy] for public insurance.

(US specific) In the U.S., there are two types of health insurance - tax payer-funded and private-funded.[3] An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.

The individual insured person's obligations may take several forms:[citation needed]

Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses.[4] Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.[5](TS 4:03)

Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.

Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.

Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.

Exclusions: Not all services are covered. Billed items like use-and-throw, taxes, etc. are excluded from admissible claim. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.

Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual

Matter of giving promotion of Taluka Primary Education Officer Class-2 to the Education Inspector

Ganga Gangeti Yo Brewery Plan

Muchite sate papabhyo vishnulokam sagachhate.

In today's holy day, Mother Ganga was incarnated on this planet from Brahma Loka by Raja Bhagiratha through his hard tenacity and effort.

come!  Today, in the story of incarnation on the Ganges, we try to find some important sources of life.

Purusharth also makes impossible, not one, but history has provided examples of this in many places.

Purushartha, Patience and Success, Maa Ganga Avataran Katha gives us these three important sutras.

It is as true that the efforts of success definitely open with effort.  It is equally true that there are always many obstacles and obstacles between man's efforts and success.

Obstacles and obstacles in life also dilute the hardest and hardest resolve.  In this situation, the thing that is needed most is patience.  Patience is the ray of hope that teaches us to maintain continuity even in adverse situations.

Therefore, it is necessary to make effort for desired results in life, as well as patience.

Ganga can also be brought to earth if the purpose is pure, effort is made and patience is limitless.

Vishnupadi Tripathgamini, the descent of Mother Ganga on the earth, the day of the holy festival of Ganga Saptami * Wishing you all the best and congratulations!


Satguru ji says don't make your heart small, never think that you are alone for a single moment or you are being ignored or nobody is looking after you, you are getting every help from God and Satguru.  is

What you need, but sometimes the weight of karma is so much that sometimes because of it we have to go through our body and mental sorrows or out of much trouble, but believe in the circumstances you are going through,

That is the way to take you towards Satguruji and will take you in front of them ... The soul has to go through a furnace of fire to make gold ... Never think of God as wrong ... God is to blame  Does not give

Or does not hurt anyone's feelings.  that

God knows how weak the creature is, and what troubles it is going through, if there is any soul's grief, it is the grief of that Satguru, please face your life courageously and believe in Satguruji, times change.

It remains… every person is living with this hope, under which conditions are you going… Satguru knows it well!

... you keep doing your work and leave it to the desire of Satguruji and wait for the grace of Satguruji with love .... and keep doing bhajan simran ji !!

  Come… tears in my eyes again and again I do not know how to hide love….  The world asks… what is the relationship with “Guruji”  But I do not know how to tell.



Post a Comment

Post a Comment (0)

#buttons=(Accept !) #days=(20)

Our website uses cookies to enhance your experience. Check Now
Accept !