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Travel insurance and International Health Insurance Offers international travel insurance, international health insurance, international life insurance and expat disability insurance products that maximize choice and flexibility to meet your needs in the global marketplace. New York International Group is an international brokerage firm that specializes in providing a vast variety of international insurance plans to US expatriates, foreign nationals, non-US citizens regardless of citizenship or residence, international travelers, corporations with employees worldwide, visa applicants, missionaries and overseas exchange students.
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International Travel Insurance , International Health Insurance , Life Insurance and Disability Insurance Products
We offer international travel insurance , international health insurance , international life insurance and expat disability insurance products that maximize choice and flexibility to meet your needs in the global marketplace . New York International Group is an international brokerage firm that specializes in providing a vast variety of international insurance plans to US expatriates, foreign nationals , non-US citizens regardless of citizenship or residence, international travelers , corporations with employees worldwide, visa applicants , missionaries and overseas exchange students . If you would like more information regarding our travel insurance or international health insurance products, please contact us via phone:
800.804.5763
or
212.268.8520
, e-mail
, or our international insurance inquiry form
.
International Health Insurance
U.S . style major medical insurance plan designed for expats and foreign nationals regardless of citizenship or residence, provides worldwide coverage with doctor and hospital of choice.
International Travel Medical Insurance
Travel medical insurance , including emergency medical evacuation, accidental death and dismemberment and lost baggage, provides travel health and safety to business travelers, vacationers, missionaries, expatriates, overseas exchange students, and students studying abroad.
International Group Plans
International health, life and disability plans are specially designed for corporations with employees worldwide, international associations, student exchange programs, missionaries and travel groups.
International Life Insurance
International life insurance provides life insurance protection in US dollars to US citizens who reside or travel overseas and to all other nationalities. Coverage is available to both individuals and groups.
International Disability Insurance
International disability insurance provides income protection for expatriates and foreign nationals, should they become disabled due to injury or illness. Coverage is available to both individuals and groups.
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Results from search: http://www.hanys.org/
The Healthcare Association of New York State
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2001 ICR Software Available
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Results from search: http://www.mssny.org/
MSSNY - Home
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Medical Society of the State of New York, representing the interests of patients and
physicians in an ongoing effort to assure quality health care services for all New
Yorkers.
A letter to New York Physicians, from the newly appointed
President of the Medical Society of the State of New York,
Ann C. Cea, MD.
Since taking the office of MSSNY President just a few weeks ago,
I have had a number of media interviews. Invariably, the reporter asks what plans I have
for the organization over the coming year and what important health issues face us in New
York.
One is tempted to be grandiose, but, in fact, there are some very narrow areas on which we
need to focus. My desire for MSSNY is that this year be a turning point in attracting new
members. To do this we need all non-member physicians from the specialties, medical
schools and hospital staffs to put aside artificial barriers and recognize that unless we
are united in our campaign, we are unlikely to achieve any significant victories either in
Albany or in Washington.
Accomplishing this will not be easy. Ambivalence, fear and lack of commitment that is
marking the physician community's willingness to become involved in MSSNY, and other
avenues of organized medicine, must be challenged with strong programs that point to
membership as the only rational move. We have begun preparing programs that point to the
"MSSNY Advantage"...the reasons why membership makes good economic sense for
physicians practicing in the state. We recognize that we are living at a time when each of
us is running harder just to stay in place. MSSNY is now initiating a series of practice
support programs to help the member physician deal better with the business aspects of
medicine.
In addition, I will this year revamp MSSNY's committee structures to enable greater
participation by members across the state. Starting next month, the News of New York will
carry specific staff contacts for each committee and members will be invited to contact
staff if they wish to participate in a committee or have a committee review a particular
member issue.
We are also in the process of rejuvenating the state and federal legislative
committees to allow for greater local political activity across the state. I envision
member physicians representing MSSNY at grassroots levels on issues important to the
physician community and enabling rapid response to the press and legislative issues.
Features
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I have also come to the conclusion that MSSNY needs
to be more in the forefront in dealing with some public health issues that impact the
whole community. Four examples come to mind. First, as an organization representing
medical professionals, MSSNY needs to publicly promote the need for organ and tissue
donations. With 8,000 New Yorkers on the list for organ transplants - and an
additional 20,000 needing some type of tissue donation - we need to aggressively
promote these life saving procedures. Second, MSSNY needs to speak clearly on the need for
weight control. The US Surgeon General has recently characterized obesity as an epidemic,
saying that 35% of adults and 14% of American children fit in this category. As
physicians, we understand the consequences of obesity, and we are obligated to tell
patients and the public what they must do to lead longer and healthier lives. Third, we
have to clearly articulate the need for women to have mammograms and our growing concern
that mammography centers are closing because of lack of financial resources. This is a
crisis that is already upon us. Finally, we need to come to grips with the reality of our
aging population and develop a rational plan for providing long term care.
Clearly, it is going to be a busy year. Any modicum of success will depend on you as
members joining me as president in pushing for our legislative and public health
objectives. I invite each of you to call upon me and give me your thoughts on how I can do
the best job possible of being your president in the coming year.
HIPAA Extension Procedures for
New Compliance Deadline Announced
On March 29, 2002 the Centers for Medicare & Medicaid Services
(CMS) issued a model compliance plan that will allow physicians and other "covered
entities" to receive a one year extension to comply with the new federal regulations
referred to as the "HIPAA Electronic Health Care Transactions and Code Sets"
standards. The compliance deadline is October 16, 2002 unless the compliance plan is
filed with CMS - which would extend the deadline to October 16, 2003. The model
compliance plan can be found in the CMS website, www.cms.hhs.gov/hipaa .
The October 16, 2002 deadline applies to all covered entities, "health
plans", "health care "clearinghouses" and "health care
providers". A "health plan" is an individual or group that provides, or
pays the cost of, medical care; e.g. an HMO, a health insurance issuer, an employer
sponsored self-insured plan, Medicare and Medicaid. By statue, a "small health
plan" which, generally, has annual revenues of less than $5 million, has until
October 16, 2003 to comply, but all other covered entities, including physician practices,
regardless of size are subject to the October 16, 2002 deadline - unless the
compliance plan is filed on or prior to October 15, 2002.
A physician or health care provider is a covered entity if he/she submits or
receives health care transactions electronically. A health care clearinghouse (such as a
billing service) may accept non-standard transactions for the sole purpose of translating
them into standard transactions for sending customers and may accept standard transactions
and translate them into non-standard transactions for receiving customers.
Physicians and other covered entities will be able to submit the extension plan
electronically through the CMS website, and CMS will provide an electronic confirmation of
receipt of the plan. A covered entity also has the option of submitting its own version of
an extension plan that provides equivalent information and can submit a plan on paper.
Instructions for filing a plan are available on the website.
The Electronic Health Care Transactions and Code Sets standards are one of a
series of nationwide "administrative simplification" provisions included in
HIPAA. More information on other standards, including health information privacy
standards, is available at http://aspe.hhs.gov/admnsimp
MSSNY Speaker's Bureau Seeks Physician Volunteers
MSSNY frequently receives requests from the media for physicians
interviews on topics that range from clinical advice on the use of a particular drug, to
opinions on issues related to HMOs. Sometimes a MSSNY viewpoint is requested; oftentimes,
it is a physician's personal stance on a topical issue.
Requests to MSSNY for physicians speakers has more than doubled in
the past year due to dramatically increased public interest in healthcare. In order to
expedite these requests MSSNY is formulating a "Speaker's Bureau" list.
Media interviews usually take only a few minutes and can often be done over the telephone.
Members of the media will never call without first going through our communications
department. MSSNY never gives the media a member's name or contact information
without first getting permission from the physician.
Please consider adding your name to MSSNY's Speaker's Bureau. Call or e-mail
Lynda Lees Adams at MSSNY at 516-0488-6100 x344 or ladams@mssny.org
if you want to sign on now or have any questions. If you choose to email, please indicate
your areas of expertise.
Register Now for MSSNY and County-Sponsored HIV Seminar Series
MSSNY and county medical societies are launching a series of evening dinner seminars to
update physicians on the state's HIV reporting requirements and to promote the concept
that HIV testing should be a routine part of all exams. In addition, the presentations
will provide a review of available treatment and counseling environments. The seminars are
presented through a grant from the AIDS Institute at the NYS-DOH. Members are urged to
call their county society to register for their local seminars.
County
Date
Time
Location
Contact
Clinton, Essex, Franklin, St.
Lawrence, & Warren
Tues May 28
6pm
Holiday Inn, Plattsburth
Kelly Kleine 1-800-523-4405, ex
340
Onondaga
Thurs
May 30
6pm
The Craftsman Inn (Fayetteville)
Gerry Hoffman
315-424-8118
New York City
Health Department Website
New York State Department of Health
Website
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Last Update May 9, 2002 Copyright
© 1999 Medical Society of the State of New York (MSSNY). All Rights Reserved.
Legal Notice : MSSNY provides this site as a service to its
members and others. The materials in this site are provided " As Is " and
without warranties of any kind, express or implied. MSSNY is not liable for damages of any
kind, whether special, indirect or consequential, arising from the use of information
supplied herein. Nothing in this site is intended to constitute medical or legal advice.
As a convenience, MSSNY provides links to other sites, but does not control the contents
of these other sites.
Results from search: http://www.newyorklife.com/NYL2/Group/0,1232,11309,00.html
Long-Term Care Insurance
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New York Life Long-Term Care has obtained permission from The Wall Street Journal to reprint the following article, "Cracks in the Nest Egg," that appeared in the October 22, 2001, issue. In the article author Glenn Ruffenach addresses some of the common mistakes that individuals make when planning for their retirement.
One such error in planning, according to Ruffenach, is the failure to consider possible long-term care needs. He cites costs for care and options for funding and recommends the purchase of long-term care insurance as "smart money management." New York Life reinforces the importance of considering long-term care insurance as part of retirement planning.
For your general information,
click here
to read "Cracks in the Nest Egg."
New York Life Insurance Company offers LTCSelect, insurance protection designed to help
protect your assets and preserve your freedom of choice.
What is long-term care?
Long-term care is the assistance you need due to a lengthy illness, disability, or cognitive disorder. You might receive
care at home, in your community, in a nursing home, or in another residential setting. The type of care can range from
help with routine daily activities to 24-hour care by skilled medical personnel.
Have you overlooked one of your greatest risks?
Most of us plan carefully for our future but fail to consider the possible need for
prolonged supervised care at home or in a nursing home. A lingering physical illness, disability, or cognitive impairment could require long-term care. At any time or at any age you could find yourself in need of costly long-term care services.
How costly are the services for long-term care?
The national average cost of nursing home care is $50,000 per year, 1 and the average
stay is 2 1/2 years. 2 Home care averages $77 per day. 3 At 5% annual inflation the costs will double in 20 years.
One lengthy period of long-term care could deplete your assets and create a serious financial burden for you and your
family.
How will you pay the bill?
Use your own resources. If you have sufficient assets you may be able to pay for
long-term care without seriously affecting your financial independence. But even if you have the resources, do you really want to risk depleting funds that have taken you a lifetime to attain? Keep in mind that long-term care expenses drive seven out of ten families below federal poverty levels within four months of beginning institutionalized care. 4
Qualify for government assistance. If you meet federal and/or state poverty levels for income and assets, the government may pay your long-term care bills. However, you may have limited choices for your care.
Be insured. Long-term care insurance can help you protect your assets and your independence, should you face the overwhelming expense of long-term care.
New York Life Insurance Company has a plan of protection designed to help you safeguard your independence and afford the kind of long-term care services that fit your lifestyle. Our LTCSelect Long-Term Care Insurance policy covers a variety of services and facilities. In most states you can select from the following benefit options:
Home and community-based care
Care at home provided by family and friends 5
Nursing home care 6
Assisted care living facilities 7
Hospice care
Respite for the caregiver
Alternate plans of care 8
Special medical equipment
New York Life Insurance Company offers preferred rates for good healthcoverage for pre-existing conditions, guaranteed renewable policies, 9 sibling and spousal discounts 10 and flexible plans customized to meet your needs.
LTCSelect long-term care insurance from New York Life can help protect your assets, your life's savings, and the future for you and your family. Preserve your freedom of choice.
Long-term care insurance is becoming a major concern for consumers, and for good reason. Studies show that 50% of all Americans may need some form of long-term care 11 during their lifetime. Both young and
old will be affected, since 40% of the individuals who receive such are care under the age of 65 12 .
1 National Underwriter, January 11, 1999.
2 Journal of the American Society of CLU & ChFC, September 1997
3 National Association for Home Care, 1997.
4 National Council on Aging, 1997.
5 Benefit not available in CA and NY.
6 Nursing facility in CA.
7 Residential care facility in CA and assisted living residence in MA.
8 Request for Non Listed Benefits in CA.
9 Premium rates may be changed on a class basis.
10 Not available in MI, NJ, and SD.
11 American Health Care Association, January 1999.
12 National Underwriter, December 7, 1999
Related Tools
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Long-Term Care: What You Need To Know LTCSelect Brochure - Choose Your State NYLIAC Asset Preserver® - Choose Your State Tax Deductions: What's New for Long-Term Care Insurance?
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HEADLINES
Governor
Pataki Signs New Legislation to Help Medicare Beneficiaries - Under new legislation
effective April 1, 2002, assets (such as savings) will not be counted when
determining eligibility for Qualified Individual 1 and Qualified Individual 2
benefits.
Aging
News Online - The latest edition of the
Aging News , the
New York State Office for the Aging's quarterly newsletter, is online. Find a
variety of articles and news items on new State initiatives, and more for older
New Yorkers.
A Vaccine
for Pneumonia? - Yes! If you haven't had the
pneumococcal shot, it's available now and year-round.
The
Pneumonia Review answers your questions about the pneumococcal vaccine and
the protections it offers!
New
Medicare Benefits - Medicare now provides
two new benefits -- medical nutrition
therapy and glaucoma screening for Medicare beneficiaries considered to be at
risk. Medicare also covers other Preventive
Services and Screening Benefits .
Benefit
Facts Updated - Since January 1, 2002, several
public benefit programs (such as HEAP and Medicaid) have new income eligibility
requirements. Check HIICAP's updated Benefit
Facts for details.
Future of Long Term Care
- What does the future hold for long term care as Baby Boomers expand the
senior citizen population? Read
Long
Term Care , an article from
Project 2015:
The Future of Aging in New York State .
Rules for
Changing Medicare Health Plans - Different rules for
when and how often you can switch your Medicare health maintenance organization
were put in place in January. If you are in a Medicare health plan, or are
considering joining one, you will want to know
how the rules affect you .
See
NEWS & UPDATES for
full stories.
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