Are you tired of going into the sloppy room of your kid every day, merely to trip over a bunch of stuff scattered all over the place? Well, ask yourself whether the kid has adequate space for storing his or her stuff. If this isn’t the case, then that is probably a part of the problem; buying some beautiful childrens bedroom furniture is a wonderful way to get your child organized.

The solution is certainly childrens bedroom furniture if you desire your kid to maintain an organized and neat space. There are quite a few nice choices including desks, dressers, mirrors, bed frames, entertainment units, shelves, mirrors, and more. Now, what all of these options entail is that you can create a room for your child’s specific requirements. For instance, suppose that your daughter is heavily into fashion. She has many shoes and different apparels, and loves to observe all the various outfits she can don. A wonderful way for her to furnish her room, therefore, would be with a bigger, shorter dress which could have a mirror suspended over it, a bed frame with drawers for additional storage, and a shelving unit in the closet in order that she can organize things. Or, you might have a smaller boy with many toys. Good furniture options for the space would be a typical dresser, an organizer for the closet, and a bed frame with drawers and cedar chest for maximum storage space.

In addition to assisting your kid become organized, childrens bedroom furniture will additionally actually increase the total look of the room of your kid. In what way? Well, this is due to it having a great appearance because of the various eye-catching materials it can be produced from. It is easy to find something that matches your child’s personality, as it comes in a variety of both styles and finishes. Take the instance of the girl we talked about formerly. It would really add to the space if you bought a set with a distressed, antique white finish with decorative accents. Or you could go with a racing theme featuring pieces with a race car motif for your son’s room.

The internet is the best place to shop for children’s bedroom furniture. A wonderful means of finding what you’re looking for is looking through all the online stores; this will help you save gas and can be done through the comfort of home.

Don’t just yell at them or tear your hair out, pick children’s furniture that incorporates lots of storage to help him or her get organized. With the numerous choices available, it is simple to locate something that will help keep things organized.

What is the cover offered on group health Insurance policy?

Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.

Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.

A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.

Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee’s medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee’s insurance premium.

With the new law passed by Congress, the employee’s net expenses for the group health insurance policy have been greatly reduced.

How can businesses benefit from this policy?

It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.

A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.

Although an employer is required to pay some percentage of an employee’s individual premium, which ranges from 25% to 50%, depending on the state’s laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependant, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you’re given that option, you should really consider it, Often, spouses and children can be included under such a plan.

What are the factors you need to watch for a good group health insurance policy?

Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.

One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.

Employers may use the guidelines below to select a health insurance plan that meets your needs:

• Study the websites and brochures of the health insurance companies you have short listed to engage.

• Make a comparison of their services, costs and what they pay.

• Find out if there are services or illnesses that are excluded from the policy.

• Take notes of the starting and ending dates of the insurance policy.

• Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.

• Stay away from policies that limit your choice as to whether you can choose a period to stay with them.

• And finally stay away from any group health insurance policy that only covers limited diseases.

Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers. To find travel insurance [http://www.insuranceavenue.info], long term care insurance, business insurance visit Insurance Avenue [http://www.insuranceavenue.info].

The thought of writing a resume intimidates almost anyone. It’s difficult to know where to start or what to include. It can seem like an insurmountable task. Here are 15 tips to help you not only tackle the task, but also write a winning resume.

1. Determine your job search objective prior to writing the resume. Once you have determined your objective, you can structure the content of your resume around that objective. Think of your objective as the bull’s-eye to focus your resume on hitting. If you write your resume without having a clear objective in mind, it will likely come across as unfocused to those that read it. Take the time before you start your resume to form a clear objective.

2. Think of your resume as a marketing tool. Think of yourself as a product, potential employers as your customers, and your resume as a brochure about you. Market yourself through your resume. What are your features and benefits? What makes you unique? Make sure to convey this information in your resume.

3. Use your resume to obtain an interview, not a job. You don’t need to go into detail about every accomplishment. Strive to be clear and concise. The purpose of your resume is to generate enough interest in you to have an employer contact you for an interview. Use the interview to provide a more detailed explanation of your accomplishments and to land a job offer.

4. Use bulleted sentences. In the body of your resume, use bullets with short sentences rather than lengthy paragraphs. Resumes are read quickly. This bulleted sentence format makes it easier for someone to quickly scan your resume and still absorb it.

5. Use action words. Action words cause your resume to pop. To add life to your resume, use bulleted sentences that begin with action words like prepared, developed, monitored, and presented.

6. Use #’s, $’s and %’s. Numbers, dollars, and percentages stand out in the body of a resume. Use them. Here are two examples:

• Managed a department of 10 with a budget of $1,000,000.
• Increased sales by 25% in a 15-state territory.

7. Lead with your strengths. Since resumes are typically reviewed in 30 seconds, take the time to determine which bullets most strongly support your job search objective. Put those strong points first where they are more apt to be read.

8. Play Match Game. Review want ads for positions that interest you. Use the key words listed in these ads to match them to bullets in your resume. If you have missed any key words, add them to your resume.

9. Use buzzwords. If there are terms that show your competence in a particular field, use them in your resume. For marketing people, use “competitive analysis.” For accounting types, use “reconciled accounts.”

10. Accent the positive. Leave off negatives and irrelevant points. If you feel your date of graduation will subject you to age discrimination, leave the date off your resume. If you do some duties in your current job that don’t support your job search objective, leave them off your resume. Focus on the duties that do support your objective. Leave off irrelevant personal information like your height and weight.

11. Show what you know. Rather than going into depth in one area, use your resume to highlight your breadth of knowledge. Use an interview to provide more detail.

12. Show who you know. If you have reported to someone important such as a vice president or department manager, say so in your resume. Having reported to someone important causes the reader to infer that you are important.

13. Construct your resume to read easily. Leave white space. Use a font size no smaller than 10 point. Limit the length of your resume to 1-2 pages. Remember, resumes are reviewed quickly. Help the reader to scan your resume efficiently and effectively.

14. Have someone else review your resume. Since you are so close to your situation, it can be difficult for you to hit all your high points and clearly convey all your accomplishments. Have someone review your job search objective, your resume, and listings of positions that interest you. Encourage them to ask questions. Their questions can help you to discover items you inadvertently left off your resume. Revise your resume to include these items. Their questions can also point to items on your resume that are confusing to the reader. Clarify your resume based on this input.

15. Submit your resume to potential employers. Have the courage to submit your resume. Think of it as a game where your odds of winning increase with every resume you submit. You really do increase your odds with every resume you submit. Use a three-tiered approach. Apply for some jobs that appear to be beneath you. Perhaps they will turn out to be more than they appeared to be once you interview for them. Or perhaps once you have your foot in the door you can learn of other opportunities. Apply for jobs that seem to be just at your level. You will get interviews for some of those jobs. See how each job stacks up. Try for some jobs that seem like a stretch. That’s how you grow — by taking risks. Don’t rule yourself out. Trust the process. Good luck in your job search!

Copyright 1999 – 2004 Quest Career Services, LLC. All Rights Reserved.

Ann Hackett is the President and founder of Quest Career Services, LLC (http://www.QuestCareer.com), an online resume writing and outplacement services company. Ann can be reached at ahackett@QuestCareer.com or 952-929-4197.

Political parties perform important roles in European societies. Parties are institutions in which citizens with similar political views organise, develop political programmes and actively participate in the political process. They are vital for democracy because parties offer the most clear-cut political choices that are put to the electorate. Parties are also recruitment organisations, through which parliamentarians and members of government are sourced. Even though the latter functions are important, the general effectiveness of parties is closely linked to the first characteristic: their societal embeddedness – the main channel between a party and citizens. And in this respect, political parties have been declining dramatically.

The demise of political parties is not a new phenomenon. Since at least the 1980s, parties in all established European democracies have suffered massive membership losses to the point where they only retain a very limited capacity to engage citizens. The societal anchor of political parties is seriously threatened. Vernon Bogdanor wrote in 2006 that ‘the story of the rise and fall of the mass political party is one of the great unwritten books of our time’. So why do I pick this rather old problem up again in 2009? Not because I want to write the obituary of the mass political party but because we can now see where the development of political parties might lead us. This potential new future became apparent during the US Presidential campaign.

Additionally to his remarkable personal qualities, Barack Obama – during the Democratic primaries, the Presidential campaign and now even as sitting President – has been extremely successful in using new communication technologies to connect directly with citizens. Through the use of social networking tools, online video messaging and almost real time updates on what was happening on the campaign trail – and by making many of these tools available to his supporters too – he was able to create a community that was not only prepared to vote for him but willing to organise and campaign on the local level. He was able to create a political movement he can now build upon.

The construction of this movement was above all possible because new communication techniques offered a way of being actively involved in the campaign for change. But if you look behind the technical tools you notice that Barack Obama’s campaign was able to recreate old – rather than create new – characteristics that traditional European parties, especially left-of-centre parties, have lost over the years: a sense of community and belonging.

Let us take the oldest social democratic party in the world as an example: the German SPD. When the party was founded in 1863, its backbone was educational leagues founded to educate workers. The cultural and community aspect was therefore not just a by-product but very much the founding principle of the party. Being a social democrat was not a question of membership in an organisation but rather a way of life. The identity of the party was reinforced by the large variety of social democratic newspapers and publications that contributed to this distinct culture. The cultural underpinnings of political parties were also evident elsewhere and it seems that it has been especially this attribute, that used to provide the closest link to society, that has declined most dramatically in recent decades.

It was argued that because of social and ideological changes in societies in the second half of the twentieth century, mass parties – rather homogenous constructs – developed into catch-all parties that attempted to integrate the diversifying political views and social backgrounds of citizens under the umbrella of the same party. Today, many parties look like what political scientists call ‘professional-electoral parties’. Such parties are organisations that have a highly centralised leadership and are focussed on winning votes and offices. They have largely abandoned the cultural heritage of traditional political parties. ‘Professional-electoral party’ is also the closest typology for US political parties, which are practically committees to fight elections without much activity between ballots. They are very candidate centred and lack organisational leadership.

So what is new that could show the way political parties could go from here? What has changed during the Obama campaign? In a nutshell, Barack Obama has managed to recreate the community aspects of old mass parties and integrate them into a professional-electoral party. In the contemporary context, however, culture does not mean a certain way of living but rather being part of a community based on a charismatic political leader, new political ideas and a desire for grassroots activism. The creation of this new culture in the Obama campaign has only been possible by the use of new media. So after it has transformed the economy and the way we communicate with each other, is the information, communication and technology (ICT) revolution now fundamentally changing the political process too? I think there are strong arguments in favour of this and Barack Obama’s success is evidence.

What does this mean for European parties? The socio-economic circumstances and ideological believes of citizens have indeed changed dramatically since the foundation of early European parties, political activism has however not disappeared. The success of single-issue movements such as Greenpeace, Amnesty International and the Globalisation critics of Attac clearly shows the enduring desire for political activism. Some of these movements have even grown into political parties in their own right, for instance the German Greens or – with a rather different political agenda – the UK Independence Party (UKIP).

So the first ingredient – desire for political activism – is still there. But how can it be used? European parties have tried for decades to open their structures to social movements and to use societal activism for their party purposes. They have all been largely unsuccessful so far because their strategies were unclear and their own structures often too rigid. Waking up to the potential of new technologies and the experience of the Obama campaign however makes it a necessity to try again – and to try harder. After all, the only alternative seems to be further decline. Initial steps to use new technologies have been taken but more needs to be done. Europe in general is clearly behind the US in terms of internet integration in everyday life including politics. But this can also be an opportunity for the party that comes up first with a successful mix of technologies for the European context.

The second ingredient is political ideas that can capture and motivate people. The current economic crisis has opened a window of opportunity for a new politics. There is a vacuum of ideas since the promise of prosperity facilitated by unfettered markets collapsed with the international banking sector. This void has not been filled yet. In Barack Obama’s case the simple promise for change was enough to create his movement. This was however only possible in the narrow window of opportunity at the beginning of the economic crisis and in the specific context of US politics. If his movement is to become sustainable he needs to bring in new positive ideas. President Obama has understood this and has kept the close link to his followers even after assuming office. The way in which he encouraged living room discussions about his economic stimulus package across the US was a remarkable move and combined the desire for activism with political content. The sense of belonging and potential for activism created by a ‘I received an email from the President’ moment should not be underestimated.

The last ingredient in the mix is charismatic leadership. Early attempts of online campaigning in Europe have shown that it is very difficult to build mass participation in a political online campaign if there is not an appealing political figure at the top. Parties as such seem to be rather inappropriate vehicles for such campaigns. Identification becomes much easier if people are involved. So if the European political culture develops in the direction set out in the United States, it is likely that politics becomes more personalised and centred around political ideas represented by certain politicians.

Political parties have been declining for decades without finding a way to stop their downfall. The ICT revolution is here to stay and has already transformed many areas of our lives. The Obama campaign in the US has broken new ground and is certainly an important example to watch. But the question is how these developments can be worked into European party politics. A simple ‘copy and paste’ will not work. But the revitalisation of political culture and activism using new technologies is the most promising opportunity on offer to change the fate of political parties. Given the alternative, it is certainly worth trying.

Discuss this article here: http://www.social-europe.eu/2009/04/where-now-for-european-political-parties

Sometimes you will find good deals on bowling balls–but are they the best bowling balls? There is what has been called: “a structural revolution” taking place here. Manufacturers improve upon bowling balls constantly, trying to create, and develop the best bowling balls.

Historically, bowling balls were made of lignum vitae, which is an incredibly hard wood. As you know now, obviously, those are not the bowling balls that would qualify as the very best bowling balls.

There were actually bowling balls that were, at one time in the early 20th century, made of rubber. They were called the evertrue. These were now the best bowling balls available back then. Hard rubber mineralite bowling balls really were the best bowling balls until the late 20th century.

Polyester balls then took over as the best bowling balls, once again, showing the development being made to one day create the best bowling balls ever. And we are getting closer and closer.

The first major change in the designs that developed into the bowling balls we have today was the introduction of the best bowling balls yet, made of polyester. Ten years later, balls made of urethane were the best bowling balls because of their new and improved design. It was later discovered that urethane made very good coverstock for maintaining your ball.

Using a technical design, the best bowling balls were created by their manufacturers. They say that the “core design” is the key. Computer software is an essential part of improving bowling balls to make the very best. With technology and design, the entire world has made enormous changes–not excluding the quest to create the best bowling balls ever!

There are of course, development specifications. Most manufacturers have a goal (aside from money) to make more standardized bowling equipment, merchandise, and accessories. The current regulations require a diameter somewhere between 8.500 and 8.595.

All bowling balls, not only the best bowling balls, are required to meet certain standards and receive approval by the ABC (American Bowling Congress) after being examined carefully by experts.

All of the best bowling balls you will find will certainly fit the criteria for an excellent ball. If you want to shop for the best bowling balls, the most durable and dependable. Do not waste valuable time–just look around online and you will be happy you did.

AUTHOR /BIO:

Anne Clarke writes numerous articles for websites on gardening, parenting, recreation, education and home decor. Her background includes teaching and gardening. For more of her articles about bowling and bowling balls, please visit Bowling Balls

Decorating a childs room can be quite a stressful time and trying to keep to a budget can also be quite hard. You may also be slightly over whelmed by the massive choice of childrens furniture available online and from furniture stores.

The main tip to remember is to keep things simple. Some childrens furniture sets, childrens wardrobes, childrens beds can cost from a few hundred pounds to a few thousand pounds for a childrens room set. The key thing to remember is to shop around and make sure you find a great deal and stick to a budget.

A childrens wardrobe is probably the most versatile piece of furniture you can buy. If you can find a decent sized childrens wardrobe at a good price they will last a long time, and will provide a good storage space as your child grows. The only real decision you would have to make is whether a single or double childrens wardrobe is best for your childs room. Obviously if you do not have the room space to have a double childrens wardrobe a single wardrobe is perfect. A single wardrobe usually consists of either a hanging rail, a top shelf and a storage draw at the bottom of the wardrobe. Or can be up to three shelves all the way up the height of the wardrobe, with a single draw at the bottom.

Trying to find a good childs bed is probably the hardest piece of furniture to get right. If you have a young child a cot bed is probably your best bet. A lot of childrens cot beds can be easily converted into a junior bed which when your child reaches that certain age, not only is this a good money saver but when you think about you are getting two beds for the price of one.

There are also many different types of beds available for slightly older children. There are animated beds such as car shaped beds brightly decorated to appeal to toddlers. Bunk beds are a great idea for children sharing a bedroom and it also saves tremendously on space. Another great feature of a childrens bunk bed is you choose a single bunk bed they come with a desk underneath which not only saves of space but some come with extra storage as well helping to keep you childs room tidy.

Another piece of childrens furniture to consider is a desk. As your child gets older whether they like it or not they will get home work so having a desk or a childrens table and chair set is a great idea for a childs bedroom. Enabling them to go somewhere quite to colour, play or do homework.

For younger children and one of the main pieces of childrens furniture in a room sets is a chest of draws with a baby changing facility located at the top, which is a removable top part of the chest of draws doubling up as a baby changer.

There are many different online stores that supply childrens bedroom furniture at some great prices. It can take time to plan and stick to a budget to find the best prices for that perfect piece of childrens furniture for your kids room.

We hope you have found this childrens furniture article useful. There are many different styles of childrens wardobes available, so we hope this has helped you to make a decision.

Managing the Human Being Behind the Business

It’s a common problem and we’ve all seen it – business owners that are just ‘too busy’ all of the time, and as a result, do not enjoy the success in business they had hoped for. Let’s not kid ourselves, there is a lot to focus on: technology, employees, sales, marketing and so on. These functions are essential and need to be well organised and managed. But there is a second aspect to business success that is often overlooked – the effectiveness of the person running the show. Businesses are a reflection of the people who run them. If those people are ‘too busy’, stressed, or poorly organised, then these characteristics are reflected back in the business. The underlying behaviour and values of the business owner drive how much control they need, how they will delegate and how they use their time. Growth of the business and the business owner need to match up
If the business is to grow, then the owner has to take the necessary time to learn the new roles and skills that a growing business will demand. Imagine for one moment where you would like your business to be in 5 years time. Then ask yourself: “Is it possible that I can be exactly the same person in 5 years that I am today and fulfil that growth strategy for my business? The answer has to be no. Business owners need to be prepared for new learning and taking on new, different, and bigger responsibilities – without fear or hesitation. The reality is that the owner is usually the limiting factor in growth – the business can only grow to the extent to which the owner grows. When owners feel out of sorts, overworked, and like they are running on a treadmill, it is almost always because they have fallen victim to the reactive “let’s go faster” management approach. They are forced to live from problem to problem, and may fail to see their own (lack of) self-management as part of the problem. So why aren’t we better at managing ourselves? There’s really four reasons:

• Being comfortable – we all do what we are comfortable with – it’s human nature. So we keep doing what we have always done
• Not knowing what else is possible
• Not knowing that there are other ways to do what they are doing
• Actually getting energy (and maybe some identity) from being stressed and overworked

There are 5 steps to take on the road to better self-management: 1. Clarify personal goals for the future.
Many business owners lose sight of these as they get immersed in the day-to-day running of the business. Articulating your personal goals can reveal any issues about whether these support or conflict with their business goals. These goals need to cover both the immediate and future plans. What do you want to achieve personally in the next 1 to 2 years. And where do you want to be in ten years time?
2. Clarify the business goals.
Having spent some time expressing personal goals for the future, take a look at your business goals and rethink them. Are your personal and business goals working together, or are they working against each other? If they do seem to be mutually exclusive, what choices will you make next? Putting the business goals ahead of your personal ones will inevitably lead to stress and feelings of overwhelm. Determine instead whether the business goals can be re-oriented or modified to support what you would like to achieve personally.
3. Identify the owner’s ideal role 3 years from now.
Think about who you want to be – what role you want to have in the business – in 3 years time. Will you still be doing the majority of work? Will you have others doing the work and your capacity is more advisory? Or perhaps you would like to remove yourself completely from the operational parts of the business and focus on product or business development? Thinking about what you want as an owner in the future can give you great insights into what strategies you may need to put in place now. 4. Conduct a detailed personal time analysis for a one-week period.
This is where the rubber hits the road. If you really are true to yourself when you do this exercise you will learn a lot about where the potential lies for making changes. How are you really spending your time? Break your day down into at least half hour slots and write down exactly what you do in each 30 minutes. 5. Create a plan of action for the next 30 days.
Based on the data from steps 1-4, create an action plan to cover the next 30 days. Your plan should include:

• steps to align personal and business goals
• strategy for moving to the role the owner wants to play in the business in the future
• analysis of the results of the one-week detailed monitoring exercise
• deciding which activities add the most value and planning to spend time on those
• identify how much time is spent on low value activity and planning to delegate or stop doing those things

There is never a better time than right now for planning to do things differently. Take charge of yourself and your business by choosing a direction that allows you to meet both your personal and business goals, and still retain your sanity!

Megan Tough, Director of Action Plus, is passionate about helping people enjoy their businesses. She works internationally with business owners to systematically remove the stress points from their business, giving them more time and space for – well -whatever they want! Visit her at http://www.megantough.com for more information on taking the stress out of your business.

Health insurance fraud represents one of America’s largest taxpayer rip-offs ever, costing Americans literally billions of dollars every year.

Due to rampant deception, scams and abuse in the health care system, consumers are forced to pay the price–literally–through escalating medical costs and rising health insurance premiums.

And government programs like Medicare and Medicaid, designed to help the low-income and elderly, represent two of the biggest losers of all.

Health Insurance Scams

According to the Insurance Information Institute, health providers and facilities such as doctors, hospitals, nursing homes, diagnostic labs and attorneys routinely attempt to defraud the health insurance system…with devastating results.

How do they do it? In a number of ways, including:

1. Billing health insurance companies for expensive treatments, tests or equipment patients never had or never received
2. Double- or triple-billing health insurers for the same treatments
3. Giving health care recipients unnecessary, dangerous, or life-threatening treatments
4. Selling low-cost health insurance coverage from fake insurance companies
5. Stealing medical information and using it to bill health insurance companies for phantom treatments

If health insurance fraud knocks on your door, these types of scams may leave you with medical debts, damaged credit ratings, falsified health records, a high level of stress and overpriced health insurance premiums…or the inability to get any health insurance at all.

So what can you do about it?

Report it; then fight back!

What to Watch For

The first step to fighting health insurance fraud is keeping your eyes and ears open for abuse.

Be especially watchful for providers who:

• Charge your health insurance company for services you never received or medical procedures you don’t need
• Give you prescriptions for controlled substances for no justified medical reason
• Bill your health insurance company for brand-name drugs when you actually get generics
• Misrepresent cosmetic or other health care procedures not usually covered by health insurance plans as covered

If you notice a health care provider doing any of these things, keep all supporting paperwork handy for reference, and then contact your health insurance company to let them know.

Then, if you’re a Medicare or Medicaid recipient, call the U. S. Department of Health and Human Services and report the abuse.

Finally, contact your state department of insurance or the local police.

Fighting Health Insurance Fraud

To keep yourself from falling victim to health insurance fraud, take the following steps to fight back:

* Check with your state insurance department to make sure your health insurance company is licensed in your state.

* Check out your health insurance company for consumer complaints, fraud convictions and bankruptcies through your state department of insurance.

* Keep detailed medical records.

* Carefully review your billing statements.

* Never sign blank insurance claim forms.

* Avoid salespeople offering free health services or advice.

* Protect your medical records and information.

* Make sure you know what your health insurance policy covers–and what it doesn’t.

* Never pay your health insurance premiums in cash.

* Be wary if you’re asked to pay a full year’s premium up front.

* Be on guard against medical providers claiming to be connected with federal programs or the government.

* Beware of health insurance companies offering you coverage at an unreasonably low price.

* Ask your health insurance provider about anything you don’t understand regarding your bills.

Making a Difference

Protect your right to health insurance, lower your premiums and keep your medical information safe. All it takes is a little education, a watchful eye, and the willingness to make a difference!

About InsureMe Penny Hagerman is a copywriter and insurance information expert with InsureMe in Englewood, Colorado. InsureMe links agents nationwide with consumers shopping for insurance quotes. Specializing in auto, home, life, long-term care and health insurance quotes, the InsureMe network provides thousands of agents with insurance leads every year. For more information, visit InsureMe.com.