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A weekly message
from NASE President Bob Hughes
In
Washington D.C. last week the NASE was a sponsor of
National Small Business Week. The week is set
aside to give special recognition to the self-employed
and micro-businesses for the important role they play
in our nation's economy. The Small Business
Administration hosted the weeklong celebration. In
recognition of all the hard work you do, the NASE gave
away daily prize drawings. In fact - click here to see
if you were a winner!
During Small Business Week, awards were given to a
number of inspirational small business owners.
Thanh Quoc Lam of Ba-Le Sandwich & Bakery in
Hawaii was honored as the Small Business Person of the
Year. The NASE had the opportunity to participate in
the selection of the Home-Based Business Person of the
Year, Beverly Williams of Rockville, Maryland.
The NASE was also very pleased to attend a
Congressional luncheon with the award winners, during
which Chairman of the House Small Business Committee
Don Manzullo (R-IL) and Ranking Member Nydia
Velazquez (D-NY), and Chairman of the Senate Small
Business Committee John F. Kerry (D-MA) and
Ranking Member Kit Bond (R-MO) talked about the
importance of small business owners. At the NASE
luncheon table was state winner Frank Saccardi
of Arkansas.
I hope you took the opportunity last week to
congratulate yourself for all the hard work you do to
make your small business a success - because the NASE
salutes you. It is dedication like yours that is the
driving force of the nation's economy.
Congratulations!
2002 NASE
Scholarship Application
Deadlines are
coming soon.
Log in and download your application
now!
Celebrate National
Small Business Week
Daily Prize
Drawings!
NASE Members, be
sure to log in
to the Member Access Area to see if you
were a lucky winner!
Click Here
To Log In
New 2002 Benefits - NASE Members, your
updated
benefit information is now online. Get
the most from
your membership and take
advantage of these products
and services
selected to help you save money and
grow
your business.
Click Here to log in and access
your benefits.
Looking for Tools, Tips & Training To Keep
Your
Business in Top Form?
Check out the new
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Connection Web site,
powered by the NASE
New
NASE TaxTalk
Gives You Even More Benefits
Try out the new NASE TaxTalk, an interactive,
web-based system that makes it even easier for
you
to access FREE tax advice online. To submit
your question or take a "Quick Tour" of the new
NASE
TaxTalk,
CLICK HERE.
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To read up on the latest news, articles, and
information about the NASE, check out our
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Visit the Member
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Washington Watch -
5 /8/02
Washington Watch keeps you
up-to-date with current legislation that might be
affecting you!
NASE Testifies Before Congress
One of the self-employed community's largest challenges
is obtaining access to affordable health coverage. Read
the President of the NASE's testimony to the House Small
Business Committee regarding this important issue.
Tell Your Small Business Story
Have excessive government regulations and interventions
made it difficult for you to succeed as a small-business
owner? Send
your message to Washington through this new program from
the NASE.
NASE Launches advocacy.nase.org
Issues on Capitol Hill
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National Association for the Self-Employed Continuing
Growth, Evolution As Premier Resource for
Micro-Businesses
Reduction of Paperwork Burden on Small Businesses
Announced by IRS
NASE Legislative
Priorities Backed by President Bush
NASE
Scholarship Program To Reach $1 Million Mark
NASE To Award Future Entrepreneur Scholarship Worth Up
To $24,000
The 'Dirty Dozen': IRS Warns of 12 Common Scams
The NASE Offers Tips For Avoiding
Tax-Filing Errors
Five Ways You Can Save On Your Auto Insurance Premium
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Results from search: http://www.healthinsurance.org/
Affordable health insurance for individuals, familes, the self-employed, entreprenuers and small businesses
Here are the tools to help you become a better-informed health insurance consumer, and get quotes from reputable, financially-stable insurance companies.
Choose a type:
Individual or Family
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Answers to the health insurance puzzle ...
understand insurance terms and buzzwords ;
help find AFFORDABLE rates for you as an individual, self-employed person or small business;
determine whether you are paying too much for your health insurance;
find help if you are uninsurable because of a medical condition.
Better understand your health insurance:
As a consumer, you can use this site for its: excellent glossary of insurance terms ; insurance quote request form for information on insurance programs designed for the self-employed, individuals or small businesses; many consumer tips on buying health insurance; answers to some common questions ; and a tutorial on what risk pools for the medically uninsurable are, and how they benefit millions of Americans.
Free quote - Glossary - Questions - Risk pools - Consumer tips - Links - Contact Us
Last updated May 3, 2002 . copyright
Results from search: http://www.healthinsurance.org/insterms.html
Health insurance terms glossary -- affordable individuals self-employed entreprenuers small businesses
A consumer's glossary of insurance terms
When shopping for a health care plan, it is important to understand the terms and phrases used by those proposing health care coverage to you - insurance agents, insurance companies and your provider.
Admitting Privileges: The right granted to a doctor to admit patients to a particular hospital.
Advocacy: Any activity done to help a person or group to get something the person or group needs or wants.
Association: A group. Often, associations can offer insurance plans specially designed for their members.
Benefit: Amount payable by the insurance company to a claimant, assignee, or beneficiary when the insured suffers a loss.
Capitation: Capitation represents a set dollar limit that you or your employer pay to a health maintenance organization (HMO), regardless of how much you use (or don't use) the services offered by the health maintenance providers. (Providers is a term used for health professionals who provide care. Usually providers refer to doctors or hospitals. Sometimes the term also refers to nurse practitioners, chiropractors and other health professionals who offer specialized services.)
Case Management: Case management is a system embraced by employers and insurance companies to ensure that individuals receive appropriate, reasonable health care services.
Claim: A request by an individual (or his or her provider) to an individual's insurance company for the insurance company to pay for services obtained from a health care professional.
Co-Insurance: Co-insurance refers to money that an individual is required to pay for services, after a deductible has been paid. In some health care plans, co-insurance is called "co-payment." Co-insurance is often specified by a percentage. For example, the employee pays 20 percent toward the changes for a service and the employer or insurance company pays 80 percent.
Co-Payment: Co-payment is a predetermined (flat) fee that an individual pays for health care services, in addition to what the insurance covers. For example, some HMOs require a $10 "co-payment" for each office visit, regardless of the type or level of services provided during the visit. Co-payments are not usually specified by percentages.
Deductible: The amount an individual must pay for health care expenses before insurance (or a self-insured company) covers the costs. Often, insurance plans are based on yearly deductible amounts.
Denial Of Claim: Refusal by an insurance company to honor a request by an individual (or his or her provider) to pay for health care services obtained from a health care professional.
Dependent Worker: A worker in a family in which someone else has greater personal income.
Employee Assistance Programs (EAPs): Mental health counseling services that are sometimes offered by insurance companies or employers. Typically, individuals or employers do not have to directly pay for services provided through an employee assistance program.
Exclusions: Medical services that are not covered by an individual's insurance policy.
Health Care Decision Counseling: Services, sometimes provided by insurance companies or employers, that help individuals weigh the benefits, risks and costs of medical tests and treatments. Unlike case management, health care decision counseling is non-judgmental. The goal of health care decision counseling is to help individuals make more informed choices about their health and medical care needs, and to help them make decisions that are right for the individual's unique set of circumstances.
Health Maintenance Organizations (HMO's): Health Maintenance Organizations represent "pre-paid" or "capitated" insurance plan in which individuals or their employers pay a fixed monthly fee for services, instead of a separate charge for each visit or service. The monthly fees remain the same, regardless of types or levels of services provided, Services are provided by physicians who are employeed by, or under contract with, the HMO. HMOs vary in design. Depending on the type of the HMO, services may be provided in a central facility, or in a physician's own office (as with IPAs.)
Indemnity Health Plan: Indemnity health insurance plans are also called "fee-for-service." These are the types of plans that primarily existed before the rise of HMOs, IPAs, and PPOs. With indemnity plans, the individual pays a pre-determined percentage of the cost of health care services, and the insurance company (or self-insured employer) pays the other percentage. For example, an individual might pay 20 percent for services and the insurance company pays 80 percent. The fees for services are defined by the providers and vary from physician to physician. Indemnity health plans offer individuals the freedom to choose their health care professionals.
Independent Practice Associations: IPAs are similar to HMOs, except that individuals receive care in a physician's own office, rather than in an HMO facility.
Long-Term Care Policy: Insurance policies that cover specified services for a specified period of time. Long-term care policies (and their prices) vary significantly. Covered services often include nursing care, home health care services, and custodial care.
LOS: LOS refers to the length of stay. It is a term used by insurance companies, case managers and/or employers to describe the amount of time an individual stays in a hospital or in-patient facility.
Managed Care: A medical delivery system that attempts to manage the quality and cost of medical services that individuals receive. Most managed care systems offer HMOs and PPOs that individuals are encouraged to use for their health care services. Some managed care plans attempt to improve health quality, by emphasizing prevention of disease.
Maximum Dollar Limit: The maximum amount of money that an insurance company (or self-insured company) will pay for claims within a specific time period. Maximum dollar limits vary greatly. They may be based on or specified in terms of types of illnesses or types of services. Sometimes they are specified in terms of lifetime, sometimes for a year.
Medigap Insurance Policies: Medigap insurance is offered by private insurance companies, not the government. It is not the same as Medicare or Medicaid. These policies are designed to pay for some of the costs that Medicare does not cover.
Open-ended HMOs: HMOs which allow enrolled individuals to use out-of-plan providers and still receive partial or full coverage and payment for the professional's services under a traditional indemnity plan.
Out-Of-Plan: This phrase usually refers to physicians, hospitals or other health care providers who are considered nonparticipants in an insurance plan (usually an HMO or PPO). Depending on an individual's health insurance plan, expenses incurred by services provided by out-of-plan health professionals may not be covered, or covered only in part by an individual's insurance company.
Out-Of-Pocket Maximum: A predetermined limited amount of money that an individual must pay out of their own savings, before an insurance company or (self-insured employer) will pay 100 percent for an individual's health care expenses.
Outpatient: An individual (patient) who receives health care services (such as surgery) on an outpatient basis, meaning they do not stay overnight in a hospital or inpatient facility. Many insurance companies have identified a list of tests and procedures (including surgery) that will not be covered (paid for) unless they are performed on an outpatient basis. The term outpatient is also used synonymously with ambulatory to describe health care facilities where procedures are performed.
Pre-Admission Certification: Also called pre-certification review, or pre-admission review. Approval by a case manager or insurance company representative (usually a nurse) for a person to be admitted to a hospital or in-patient facility, granted prior to the admittance. Pre-admission certification often must be obtained by the individual. Sometimes, however, physicians will contact the appropriate individual. The goal of pre-admission certification is to ensure that individuals are not exposed to inappropriate health care services (services that are medically unnecessary).
Pre-Admission Review: A review of an individual's health care status or condition, prior to an individual being admitted to an inpatient health care facility, such as a hospital. Pre-admission reviews are often conducted by case managers or insurance company representatives (usually nurses) in cooperation with the individual, his or her physician or health care provider, and hospitals.
Preadmission Testing: Medical tests that are completed for an individual prior to being admitted to a hospital or inpatient health care facility.
Pre-existing Conditions: A medical condition that is excluded from coverage by an insurance company, because the condition was believed to exist prior to the individual obtaining a policy from the particular insurance company.
Preferred Provider Organizations (PPOs): You or your employer receive discounted rates if you use doctors from a pre-selected group. If you use a physician outside the PPO plan, you must pay more for the medical care.
Primary Care Provider (PCP): A health care professional (usually a physician) who is responsible for monitoring an individual's overall health care needs. Typically, a PCP serves as a "quarterback" for an individual's medical care, referring the individual to more specialized physicians for specialist care.
Provider: Provider is a term used for health professionals who provide health care services. Sometimes, the term refers only to physicians. Often, however, the term also refers to other health care professionals such as hospitals, nurse practitioners, chiropractors, physical therapists, and others offering specialized health care services.
Reasonable and Customary Fees: The average fee charged by a particular type of health care practitioner within a geographic area. The term is often used by medical plans as the amount of money they will approve for a specific test or procedure. If the fees are higher than the approved amount, the individual receiving the service is responsible for paying the difference. Sometimes, however, if an individual questions his or her physician about the fee, the provider will reduce the charge to the amount that the insurance company has defined as reasonable and customary.
Risk: The chance of loss, the degree of probability of loss or the amount of possible loss to the insuring company. For an individual, risk represents such probabilities as the likelihood of surgical complications, medications' side effects, exposure to infection, or the chance of suffering a medical problem because of a lifestyle or other choice. For example, an individual increases his or her risk of getting cancer if he or she chooses to smoke cigarettes.
Second Opinion: It is a medical opinion provided by a second physician or medical expert, when one physician provides a diagnosis or recommends surgery to an individual. Individuals are encouraged to obtain second opinions whenever a physician recommends surgery or presents an individual with a serious medical diagnosis.
Second Surgical Opinion: These are now standard benefits in many health insurance plans. It is an opinion provided by a second physician, when one physician recommends surgery to an individual.
Short-Term Disability: An injury or illness that keeps a person from working for a short time. The definition of short-term disability (and the time period over which coverage extends) differs among insurance companies and employers. Short-term disability insurance coverage is designed to protect an individual's full or partial wages during a time of injury or illness (that is not work-related) that would prohibit the individual from working.
Triple-Option: Insurance plans that offer three options from which an individual may choose. Usually, the three options are: traditional indemnity, an HMO, and a PPO.
Usual, Customary and Reasonable (UCR) or Covered Expenses: An amount customarily charged for or covered for similar services and supplies which are medically necessary, recommended by a doctor, or required for treatment.
Waiting Period: A period of time when you are not covered by insurance for a particular problem.
Free quote - Glossary - Questions - Risk pools - Consumer tips - Links - Contact Us
Last updated May 3, 2002 . copyright
Results from search: http://www.bliss-resources.com/health_insurance_quotes.htm
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Results from search: http://www.tulsaweb.com/nwins/health/
Health Insurance Quotes Nationwide for Self Employed, Individuals, Family
If you're paying too much for your Health Insurance, or unhappy with your current plan, we can Help. Click below on the State you live in for FREE health insurance quotes. Quotes and health plan comparisons available ON-LINE in most states or emailed to you the same business day.
International health insurance coverage also available! For individuals or families needing health insurance coverage while outside your home country, click HERE for International Health Insurance Quotes. Click the state you live in for ON-LINE quotes!
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Norman Wyatt Insurance Agency 9717 E. 42nd. Ste. 208 Tulsa, Ok. 74146 800-909-7476
Results from search: http://www.walkabouttravelgear.com/insure.htm
International Travel Health Insurance. Walkabout Travel Gear (r)
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INTERNATIONAL HEALTH INSURANCE
UNFORTUNATE NECESSITY
If you follow one of our insurance links, please come back!
We recommend health insurance when traveling overseas. Over 900,000 Americans
require emergency medical assistance away from home. Injuries or illness overseas
can be very scary. In lands that time forgot, proper insurance can be a life and
death matter.
On short Walkabouts, and if you work for a corporation, first check to see if
you're covered overseas by your regular health insurance policy. If you are, and
traveling to less developed countries, we also recommend purchasing an inexpensive
policy that covers emergency evacuation and acts as an intermediary in dealing
with foreign health care providers.
If you're a student, recent graduate, or a
teacher, and purchase an identity card from
Council on International Educational
Exchange (CIEE) you are automatically covered by a basic policy, including
sickness, accident, and evacuation. The card itself is worth the cost (under $20)
because of the discounts available worldwide at museums, etc. However, the
insurance coverage is basic, with only $3,000 accident related medical
reimbursement and $100/day for 60 days illness protection. Emergency Medical
Evacuation coverage is $25,000. (CIEE, 205 East 42nd Street, New York, NY 10017
or check the phone book for a local Council Travel office. Council Travel also
specializes in cut-rate airline fares for students.)
If you're self-employed and insured, also check your policy. Self-employed health
coverage tends to offer good coverage due to the international nature of
entrepreneurs in the global age.
HighwayHealth.com sells a large variety of policies that fit just about any traveller's need, and in fact they are the sponser of this page.
An excellent policy is administered by Wallach and Company. It is a serious health policy,
with coverage up to US$500,000 for accidents and sickness. It also includes
medical evacuation coverage. There are exclusions, however, including
pre-existing conditions. Also, coverage is very limited in your home country.
(The policy was not meant to substitute for health coverage at home.) Coverage
for a married couple begins at about $150/month, but can vary depending on your
age, itinerary, etc. Walkabouts in the third world cost more, for example.
Champion Insurance Advantage (800) 643-4675
works with Wallach and Company. They also offer policies for international visitors to the USA, and long-term coverage for individuals from any country traveling outside their home country.
Other international health carriers include TravMed (800-732-5309) which offers $100,000 coverage at $3.50 a day, but with a maximum of 70 days per Walkabout. ASA Incorporated
(602-968-0440) offers both international health and disability insurance, but only
gives individual quotes.
Whether you choose to get insurance or not, all travellers should join
IAMAT. (International Association for Medical Assitance to Travellers.) IAMAT is a non-profit organization dedicated to the gathering and dissemination of health information worldwide for the benefit of travellers and to assist them to find qualified medical care overseas. IAMAT offers its members a membership card, a directory of English speaking physicians who have agreed to treat members for a set fee schedule, and frequently updated publications on immunizations, malaria and other tropical diseases, and more. Membership is free to any traveller, but donations are appreciated. (716) 754-4883.
AllTripInsurance.com offers about every kind of insurance, from health to travel cancellation and everything in between.
Although not a health insurance plan,
International SOS Assistance (800-523-8930) offers similar coverage
for the less regular traveler, beginning at $55.00 for an individual traveling two
weeks. CSA sells insurance to cover you if you cannot go on a tour you have booked.
Walkabout Travel Gear doesn't endorse any of the insurance plans mentioned. (But does recommending joining IAMAT .) We're just
trying to help. We recommend shopping around and thoroughly reading both the big
and little print of any policy you choose. And be careful while exploring the
planet.
Back to Health page
Walkabout Travel Gear Home Page
Results from search: http://www.selfemployedcountry.org/
Welcome to SelfEmployedCountry.org, your headquarters for free benefits, discounts and advocacy for the self-employed entrepreneur
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Health Insurance for the Self-Employed
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Health Insurance for the Self-Employed by David Lack
People who become self-employed or start their own businesses face the
daunting task of finding affordable health insurance to cover them, their
families and their employees. What they seek are plans offering adequate
protection from the potentially catastrophic loss associated with illness or
injury, plus basic coverage for preventive and routine care. What they find,
most often, are high prices.
Large employers face the same high costs, but by virtue of the number of
people they bring to a plan, they pay a lower per-person cost than small
employers. The self-employed pay
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the highest costs of all. So what can you do?
Is there such a thing as affordable insurance for someone not in an employer
group? Maybe not, depending on how you define affordability. But there are
steps you can take to reduce your insurance bill if you are self-employed or a
small business owner.
PAGE 1 OF 3 NEXT
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BOARD: Stay At Home/Work Outside the Home Debate
BOARD: Transcription
Created: 12/06/2000 Reviewed: 12/06/2000
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Results from search: http://www.taxplanet.com/newtaxlaws/newlaws2002/selfhealth2002/selfhealth2002.html
Self-Employed Health Insurance Deduction 2002
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Self-Employed Get to Write Off More of Their Health Premiums Many self-employed workers will be eligible to write off 70 percent of their health insurance premiums in 2002, up from 60 percent in 2001, without having to itemize or
qualify for the itemized medical deduction. The deductible portion rises to 100 percent in 2003. The special deduction can be claimed for any month you weren't eligible to participate in a subsidized health plan of
another employer (including your spouse's employer.) The tax break can be a godsend for the many self-employed workers who otherwise wouldn't be able to write off any of their health-coverage costs due to the fact
that the itemized medical deduction is so hard to qualify for. (Medical expenses are deductible on Schedule A only to the extent they exceed 7.5 percent of your adjusted gross income.) Self-employed workers who
qualify for both the self-employed health deduction and the itemized medical deduction can write off the other 30 percent of their health insurance costs on Schedule A. By Gary Klott
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