Posts Tagged ‘politics’

Companies and Politicians Who Hide the Facts

Tuesday, April 26th, 2011

Consumer fraud is a common way to make additional money from gullible consumers. Companies that work with a large volume to make a profit typically find ways to hide the dirty details of their price from their customers so they can offer one price but charge the customer something completely different. In a similar fashion politicians are increasingly showing themselves to be something completely different from their true colors. As in a consumer service the customer gets 3 – 4 months into a contract when they begin to notice they got something much different than what they thought they agreed to. Unfortunately the consumer did not read 43 sentences down on page 7 of their contract where additional fees and charges would be added. A politician may do something similar and because the masses quickly forget this process has become standard operating procedure in the political arena because no one holds these politicians accountable to their platform they ran on.

Given enough heat just about anything that has been deceptively hidden from you can be fought for and seen. In the case of consumer fraud the courts have the power to help consumers fight and win against fraud but when it comes to politics it can be much more difficult. Through an endless supply of donations through non-profits Obama has been able to hide all of his articles he may have written while at Harvard. Obama has also managed to hide his original long form birth certificate with the assistance of the state of Hawaii. It is time to put an end to political corruption and the hypocrisy of blaming companies for fraud while acting fraudulently in the political game.

So why is Obama hiding his original long form birth certificate? I have no idea but there are tons of conspiracies as to why. The real reason could simply be because it says he is white in regards to his race. The reasons could be much more damaging such as proof that he was not born in the US at all. What the real reason is cannot be known but don’t you think if he simply showed the certificate these problems would be resolved? The voters who hired him into office deserve to know the facts about their commander in chief. The truth is that there has never been an American President with more secrets in US history.

The truth and facts are that Obama is indeed hiding many things that he should have no reason to keep from the public unless it discloses some radical things about his past he does not want seen. The problem with this is that he is the biggest public figure in the US and is responsible for the welfare of the citizens of the US. Obama works for us and it is not the other way around. Just as you would interview a potential job candidate and have them provide their criminal record, drug history, social security card, etc. we expect the same from our Commander and Chief.

In summary I believe that Obama has something very terrible that would be revealed if he were to show his real original birth certificate. It is true that there are newspaper announcements in Hawaii a few days after the birth of Obama but this would be typical of a family trying to grant a young child citizenship status that was born in another country. Government documents have been forged for years and so the idea that the grand parents would create a fictitious birth announcement in a Hawaii newspaper is not too hard to believe. Chances are high that this conspiracy is false but everyone still wants to know why Obama are you hiding this vital information?

You can research on other issues related to the Obama birth certificate, consumer fraud, and other customer scamming behavior done by businesses and politicians by visiting more articles from this author here: Consumer Reviews

Michigan Health Insurance Inconsistencies Serve As Caveats

Saturday, September 4th, 2010

Even though the state of Michigan ranks among the top poorest states, a slew of vital statistics, Michigan health insurance trends, and consumer opinions, documented by market research group in Ann Arbor reports reveals that many quagmires hinder the ability to acquire a viable Michigan health insurance policy:

On average and compared to other states, Michigan is comprised of fewer federally funded medical facilities. In 2008, a shattering loss of unpaid medical bills accounted for a $2 billion deficit, among Michigan state hospitals. Prior to the dawn of the Patient Protection Affordability Care Act, Michigan health insurance coverage deteriorated at an accelerated rate than other states.

The most economical options for Michiganites, necessitating straightforward policy without any unexpected charges are health maintenance organization (HMO) or preferred provider organizations (PPOs).

HMOs and PPOS are prime for Michigan health insurance programs, when the accountholders are overall healthy, needing very little in the way of healthcare. Physician’s visits generally ranging from $20 to $30 a co-payment. Generic medications run under $15.

Some Michiganites are opposed to the national health reform’s plan’s enforcement of a tax penalty against Americans, who do not subscribe to Michigan health insurance.

Even as more Michiganites attain medical coverage, the state suffers from a deficit of primary care doctor across the demography of these urban regions. An analysis of other states shows that Michigan’s per capita of federally funded medical facilities has fewer centers.

Certain small businesses are sponsoring health savings accounts (HSAs). These medical spending accounts represent several advantages. For an individual HSA, the maximum contribution is $3,050. Families have a ceiling of $6,150. Remaining funds may generally be rolled over into the beginning of the next year. Unlike standard savings accounts, the HSA does not impose any taxable responsibility.

On the contrary, Michael Novelli, the president and a licensed agent, representing major Michigan health insurance companies, cautions consumers that many HSAs include an embedded deductible, necessitating that the accountholder remit a specified out-of-pocket expense before the Michigan health insurance provider will cover any co-payments. Mr. Novelli also warns Michiganites to review whether the deductible is concurrent with his or her insurance shopping requirements.

Bookmark MichiganHealthandLife.com to your favorites for in depth information about Michigan medical insurance. The site catalogs the latest resources, news and free life and health insurance quotes, online.

Not All Illinois Health Insurance Policies Offer Consumer Protection Health Carrier External Review Act

Thursday, September 2nd, 2010

On July 1st, the Health Carrier External Review Act went into effect, authorizing consumers of Illinois health insurance the autonomy to request an independent review on the denial of health insurance claims. But buyers should beware that the law does not impact all Illinois health insurance companies.

Controversial in nature, the amendments to medical coverage, mandated by the federal government grants carriers the right to counter denied pre-authorized claims and services, excluding Illinois health insurance providers’ definitions of situations deemed medically unnecessary.

In times past, a high percentage of Illinois health insurance accountholders juggled pricey monthly premiums, and rejected medical claims, covering the responsibility of more out of pocket expenses than necessary.

Before President Barack Obama’s signage of the historical bill, Illinois health insurance agencies were generous with claim denials. But while these legislations may seem beneficial, consumers should be cognizant of how these laws influence the Illinois health insurance buying decision.

For example, group major medical health insurance policies and Health Maintenance Organizations are legally responsible to provide an external independent review, following to the terms demarcated in the Health Carrier External Review Act. Conversely, individual and various small groups do not garner any legal requirements, indicating that policyholders are void of any legal recourse for pre-authorized medical services and a slew of other medical claims.

Michael Novelli, the president and licensed agent of Illinois Life and Health.com forecasts that a new crop of fraudulent policies will hatch, promoting external review benefits for an extra cost. As a result, consumers should be suspect of any Illinois health insurance plan, charging the consumer to pay higher premiums to attain external review benefits.

As the Health Carrier External Review Act legislates that the Illinois health insurance company is financially obligated for the cost of an external review, the law does not impact small insurance providers or plans designed for specific conditions. Self-insured employer plans, long-term care insurance, cancer only policies and limited supplemental benefits are not eligible for the Health Carrier External Review Act.

To offset policies that are not covered under the Health Carrier External Review Act combine specific medical conditions with a major Illinois health insurance policy. Mr. Novelli also recommends comparing at least three health quotes, evaluating each benefit before choosing a new Illinois health insurance plan.

Review how Illinois Health Insurance differs to the colleges sponsored health plan. Obtain quotes for Illinois Medical Insurance at IllinoisLifeandHealth.com.

What Do Most Illinois Health Insurance Plans Exclude?

Tuesday, August 10th, 2010

With the dawn of the Patient Protection and Affordable Care Act (PPACA) phasing in new health plan requirements; many consumers remain miffed by what the terms of these new policies actually cover. Aside from the premiums, physician visits, and other standard medical co-payments, consumers tend to overlook what a basic Illinois health insurance plan covers. Whether it’s Blue Cross Blue Shield, Humana or Aetna, many Illinois health insurance policies have a litany of exclusions that consumer should note.

Maternity. Depending on the medical policy, some Illinois health insurance policies do not include delivery charges or hospitalization for newborn conception. As certain policies extend care for midwives and OB/GYN care, new families are often left to flip the expense of hospitalization costs.

Injuries or ailments incurred by illegal actions. Don’t count on any Illinois health insurance policy to cover the cost of any emergency care – hospital admission, resultant of drinking and driving, overdose of an illegal substance or even a failed suicide attempt. Also, accidents that are the outcome of a dangerous activity, such as jumping out of an airplane, bungee jumping or propelling off of a rooftop are often deemed excluded benefits.

Sexual reproductive enhancements. In the realm of sexual performance, reconstruction and transformation, most Illinois health insurance plans do not cover the cost of sexual transformation. While most health plans cover medications prescribed by one’s physician, diagnostic and surgical procedures for sexual dysfunction are predominantly excluded benefits.

Considering one’s health scenario, it’s important to create a list of medical service requirements. During the shopping process, compare the cost of any out-of-pocket exclusions to the cost of carrying a policy with all the needed medical services.

Prescribed medications home health care or hospice care. Over the last decade, certain Illinois health insurance plans may or may not include prescription and home health care. In an effort to keep health plans affordable, some new policies offer programs for prescribed medications. Correspondingly, some Illinois health insurance plans cover home health care, and custodial care. Once the PPACA is in place, the law will mandate that Americans have to set money aside for such services.

While the Patient Protection and Affordable Care Act will soon cover preventative medical services, Illinoisans should confirm each policy’s included benefits. While Blue Cross Blue Shield features plans with preventative care benefits, not all health plans have updated their terms of service.

President of Illinois Life and Health.com Michael Novelli recommends that consumers peruse all policy details. Prevalently, consumers obsess over the monthly rate and are surprise to learn that specific medical services such as maternal care are not a covered benefit.

IllinoisLifeandHealth.com offers complementary health insurance quotes, advice and a wealth of information regarding Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.

Consumer Beware: Buying Michigan Life Insurance Is Tricky

Friday, August 6th, 2010

As life expectancies break new records, the depreciation in house values, coupled with dwindling assets, how can consumers supplement financial resources for loved ones without the exposure of risk? Some analysts deem a Michigan life insurance policy as the contingency plan for heirs and dependants. On the contrary, an analysis of the average life expectancy shows a number crunching quandary for choosing the span of the term life plan.

Aging Americans are emerging at a rampant rate. Roughly, 13 percent of the population was over 65 years in age 2008. A total of 72 million or an estimated 20 percent of senior citizens will account for America’s demography in 2030. Data, published at AgingStats.gov, depicts that Americans, who are of retirement age (65), have an approximated average of 18.5 years to exist.

All the data confuses consumers’ decisions for the term Michigan health insurance policy. Additionally, the 85-and-over population is the most rampant growing age group in America. By 2050, 19 million people will make up America’s demography.

Over the last trimester, consumers have been modifying how they save money along with the financial contingencies for their loved ones. President of Michigan Health and Life, Michael Novelli reports, “Since 2008, I’m seeing a trend in Michigan life insurance term policies. With life expectancies increasing, choosing the appropriate term proves confusing for most consumers.”

The objective in finding an affordable Michigan life policy entails obtaining a policy that has an enduring shelf life. In other words, the longer the term life insurance plan, the higher the savings and value of the policy. Life insurance premiums increase with age, making the policy purchased today far more affordable then the rate of the future.

Consumers are often lured in by the touted benefits of the whole life insurance: the ability to borrow and invest. The basic consensus among financial planners is that money markets, and Roth IRAs assure higher performance than a whole life insurance plan.

Mr. Novelli reports, “Michigan life Insurance agents receive better commission incentives for swaying consumers into whole life insurance plans. In actuality, any representative, who attempts to sell an insurance plan, be it–a whole life or universal plan as an investment is committing an unlawful act. Michigan life insurance is not an interchangeable financial product.

Indeed, with economic uncertainty of various investment products and the life expectancy rate increasing, Michigan life insurance plans afford heir and dependents with financial resources. Regardless of the term plan, consumers fare better comparing Michigan life insurance rates and terms.

Stop by MichiganHealthandLife.com for more detailed information regarding Michigan life insurance policies. The site features the latest news, resources as well as free life insurance quotes, online.

What Consumers Need To Learn About Buying Illinois Life Insurance?

Monday, August 2nd, 2010

Despite the recent volatility and looming uncertainty for America’s financial health, trends show more Illinoisans turning to money market funds and Illinois life insurance policies. Analysts interpret these trends to suggest Americans are looking for fuss free stable resources for future financial contingencies.

On Wall Street and at Chicago’s Board of Trade, short selling, hedge funds coupled with an uncomfortably high unemployment rate are inspiring those trying to rekindle last years losses with a new strategy. Americans remain concerned by statistics, which tend to project longer life expectancies, depreciating, home property values, forecasting a future of sustained economic uncertainty.

Consumers are turning to Illinois life insurance policies to provide a contingency plan in the event of death. Whether the Illinois life insurance plan carries a cash value to cover tuition, living expenses, and number of years, shopping for level term policies involves complex calculations.

In America, life expectancies are growing at a rapid rate. In 2008, data charted by a government funded Web site indicates that 13 percent of the population was senior citizens with an average lifespan of 82 years old. Projections based on the populations’ age shows that longer life expectancy will increase as more Americans become of retirement age (65), estimated to be 72 million by 2030.

In terms of subscribing to a money market fund, the aforementioned statistics are superfluous. The value of the dollar, inflation and interest rates attribute to future financial uncertainties, casting an encouraging silhouette on Illinois life insurance plans. President of Illinois Life and Health Michael Novelli advises to consider three strategies for buying Illinois life insurance:

Don’t become fixated with the cheapest premium. Overly affordable premiums tend to accompany pesky features,

Don’t misconstrue an Illinois life insurance plan with an investment tool. In the insurance marketplace, agents attain higher commissions for selling whole life insurance policies. Data shows that money market funds, high interest savings account and Roth IRAs yield better returns than a whole life insurance plan.

Based on family health history (heart disease, diabetes, and cancer), consumers can gauge their mortality by comparing the genetic survival rate and average life expectancies to help select term plans for Illinois life insurance. In most cases, longer Illinois life insurance plans assure value overtime. But consumers should always remember to compare Illinois life insurance rates, premiums and benefits.

IllinoisLifeandHealth.com always provides free Illinois life insurance quotes, advice and a wealth of information regarding Illinois life insurance policies. Bookmark the site for the latest news, resources and no obligation quotes, online.

Who Should Worry About The Cost Of Long Term Care?

Wednesday, July 21st, 2010

Should you be concerned about the cost of long term care? If you have ever had a close family member in a nursing home, you know how expensive it can be. Likewise, if you have read up on the current predictions, you probably know that most of us have a good chance of needing some for of nursing care in the future. It is an expensive thing we all may need, so we probably should do some planning!

You may have heard of long term care insurance. There are many different types of policies, but they are all meant to help people plan for paying nursing costs. They may cover nursing homes, assisted living, or home health care.

You can take the premiums from some of these types of plans off of your taxes, so that makes the real cost cheaper. Some cannot be deducted though. If you are comparing various plans, you will need to consider this.

We may look forward to more help when the US health reform bill starts to kick in. There may be a new option to choose a federal program. The new program is voluntary, and the benefits will not cover all costs, but it may help solve some of the problem. This is something to consider in the future.

Of course, there are federal health plans today. But Medicare only pays for short nursing needs. Medicaid requies patients to spend most of their money and other assets in order to qualify. These are not perfect solutions either.

Do you have other choices to help planp for the chance you may need nursing care over a long period? There are other options, and the important thing is to understand them so you find a good alternative for your family.

Why not stop by for information on no medical exam life insurance for the elderly or research the cost of private long term care insurance?

How The PPACA Changes Impact Searching For Illinois Medical Insurance?

Friday, July 16th, 2010

On the 23rd of September2010, the next phase of the Patient Protection Affordable Care Act (PPACA) introduces new benefits for Americans, to obtain an Illinois medical insurance. Despite the advantages associated with the PPACA, consumers are increasingly confounded by how this new act influences open enrollment and purchasing Illinois medical insurance.

Amid open enrollment, coupled with various aspects of the PPACA, the bulleted list illustrates vital facts to know when shopping for a health plan:

With the PPACA amending coverage for preexisting medical conditions, during open enrollment employees might explore other Illinois medical insurance plans, stipulating that the new policy include coverage for any dependent (child up to the age of 26), regardless of their prior health situation (effective September 23, 2010).

The Illinois Department of Insurance issued a consumer alert notification on June 17th, warning former policyholders for the Illinois medical insurance company, American Liquidators of fraudulent transactions: duping Illinoisans with fictitious health plans. To prevent insurance fraud, never opt for any policy that is not regulated by the state. Additionally, always validate that the agent or agency’s Illinois medical license is current.

Although open enrollment ranges for one to two months for large employers, providing medical care for their employees, Americans in quest of buying family or individual Illinois medical insurance coverage do not have a specified “open enrollment’ time span. Accordingly, ’special offers’, ‘limited time’ are non-existent with all health plans, suggesting likely insurance fraud.

Since “discount Illinois health insurance plans are a rarity, caution is advisable. These policies accompany certain dubious guidelines that often prove unsatisfactory to the policyholder.

As the purpose of the PPACA is to enable Americans the right to obtain health care, laws do not mandate that policy premiums be withdrawn from policyholder’s credit cards or bank accounts.

Finally, never do business with any Illinois medical insurance company, whose Web site or marketing materials are void of any contact information (in example: an exact street address, an email address and a contact phone number).

IllinoisLifeandHealth.com can provide you with free health insurance quotes, advice as well as information pertaining to Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.

How To Avoid Being A Victim To Michigan Health Insurance Fraud?

Friday, July 9th, 2010

Although a few of laws defined in the Patient Protection and Affordable Care Act (PPACA) are becoming effective for consumers buying Michigan health insurance, consumers should beware of health care fraud. Insurance fraud is the leading cause of skyrocketing Michigan health insurance premiums.

National reports forecast that more than three-fourths of the Michiganites, who do not have medical coverage, today will have Michigan health insurance in the future.

In the meantime, insurance fraud remains an ongoing concern. Use the following tips to avoid falling prey to a scam:

As far back at 1980, Blue Cross Blue Shield of Michigan has exposed more than $238 million in insurance fraud. From stealing one’s identity, submitting fake medical claims to the misrepresentation of being married health care fraud is prevalent crime.

Based on reports released by Blue Cross Blue Shield, con artists pose as insurance representatives to steal social security and other personal information. To prevent victimization, never provide any person a social security number or other personal account information. Also, it’s good practice to monitor your claims history.

Even though open enrollment has a small window, there are not any deadlines for purchasing family or individual Michigan health insurance coverage. Consequently, time sensitive \ ’special offers’ are non-existent with most legitimate health plans.

Since identity thieves are quite crafty at absconding personal information, always validate that the agency’s or agent that the agent or agency’s license is up-to-date. Finally, avoid doing business with any Michigan health insurance company, where the marketing materials are missing fundamental (in example: an exact street address, an email address and a contact phone number).

While the purpose of the PPACA is to enable Americans to obtain health care, there are not any laws mandating that policy premiums be withdrawn from policyholder’s credit cards or bank accounts.

MichiganHealthandLife.com provides complimentary health insurance quotes, advice and a wealth of information regarding Michigan medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.

Can Chiropractic Patients And Trees Create World Peace?

Friday, July 2nd, 2010

Of all the inspirational stories I’ve read, this one may be the best of all. As one of the top chiropractor in San Diego, this story is very inspiring. It holds the seeds of success in any aspect of your life that you may choose. All you have to do is plant them properly. Thirty years ago in Kenya, 90% of the forest had been chopped down. Without trees to hold the topsoil in its place, the land became like a desert. When the women and girls would go in search of firewood in order to prepare the meals for their families, they would have to spend hours and hours looking for what few branches remained.

In this story we will rename the woman to be named Catherine. Catherine watched all of this happening during her life. She decided that there must be a way to take better care of the land and take better care of the women. So she planted a tree where she lived. And then she planted another. She wanted to plant thousands of trees. She realized that it would take a very long time if she was the only one doing it. So she taught the women who were looking for firewood to plant trees in their area. They were paid a small amount for each sapling they grew.

Soon she organized women all over the country to plant trees, and a movement took hold. It was called the Green Belt Movement, and with each passing year, more and more trees covered the land. But something else was happening as the women planted those trees. Something else besides those trees was taking root. The women began to have confidence in themselves. They began to see that they could make a difference. They began to see that they were capable of many things, and that they were equal to the men. They began to recognize that they were deserving of being treated with respect and dignity.

Changes like these were menacing to a few. The leader of the nation didn’t like any of this. So law enforcement was sent to threaten and strike Mellisa for planting trees, and for planting ideas of parity and social equality in people’s heads. She was accused of rebellion and detained many times.

Once, while Nicole was trying to plant trees, she was clubbed by guards hired by developers who wanted the lands cleared. She was hospitalized with head injuries. But she survived, and it only made her realize that she was on the right path. For almost thirty years, she was threatened physically, and she was often made fun of in the press. But she didn’t flinch. She only had to look in the eyes of her three children, and in the eyes of the thousands of women and girls who were blossoming right along with the trees, and she found the strength to continue.

And that is how it came to be that 30 million trees have been planted in Africa, one tree at a time. The landscapes, both the external one of the land and the internal one of the people have been transformed. In 2002, the people of Kenya held a democratic election, and the president who opposed Nicole and her Green Belt Movement is no longer in office. And Nicole is now Kenya’s Assistant Minister for the Environment. She is 65 years old, and this year she planted one more tree in celebration and thanksgiving for being given a very great honor. Nicole has been awarded the Nobel Peace Prize.

After she was notified, she gave a speech entitled, “What Do Trees Have to Do with Peace?” She pointed out how most wars are fought over limited natural resources, such as oil, land, coltan or diamonds. She called for an end to corporate greed, and for leaders to build more just societies. She added: “Our recent experience in Kenya gives hope to all who have been struggling for a better future. It shows it is possible to bring about positive change, and still do it peacefully. All it takes is courage and perseverance, and a belief that positive change is possible. That is why the slogan for our campaign was ‘It is Possible!’”

On behalf of all African women, she wanted to express her profound appreciation for this honor. This will serve to encourage women in Kenya, in Africa, and around the world to raise their voices and not to be deterred. When we plant trees, we plant the seeds of peace and seeds of hope for people. We also secure the future for all of our children. I call on those around the world to celebrate by planting a tree wherever you are in the world.

As she received the Nobel Peace Prize, she invited us all to get involved: “Today we are faced with a challenge that calls for a shift in our thinking, so that humanity stops threatening its life-support system. We are called to assist the Earth to heal her wounds and in the process heal our own.”

Can we accept her invitation for peace? As we look around our neighborhood or city, as we look at our own country, what is needed to help? Where are people suffering? Where are people feeling disempowered and hurt? What is our equivalent of planting one tree? Where does the Earth need our help?

We love helping our patients and their friends and relatives through their tough times and getting them feeling better in their life! We are here to help you stay feeling better and looking younger in your life! Don’t be a stranger and give us a call. You can reach me at my website www.MichaelPritsker.com. You can also find me at work in New Century Spine Centers in San Diego. Call us and we will assist you in putting together a customized maintenance plan for better health. You really can afford healthy chiropractic care! Don’t wait until you can no longer move and are in pain.

Want to find out more about chiropractic, then visit New Century Spine Centers site on how to choose the best chiropractor for your needs.