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Insurance Future Forecast - Is an Axe Falling on Medical Health Insurance Coverage Sales Selling?

The insurance future has evolved and the insurance future forecast help keep changing. Policy coverage premium figures already reflect falling sales for agents selling health medical plans. Is your insurance future doomed or will it forecast a brand new sales opportunity potential? These two avenues of your respective insurance future forecast are reviewed in this article.

This article is written primarily for experienced agents. These agents previously established a sales career, with an above average portion being health care insurance selling. The sky is already or gonna fall on nearly every captive insurance professional with below four years of insurance policy coverage selling. Previous statistics unveil which simply 5 years back only 7 beyond 100 licensed agents reaching their fourth anniversary. The present turmoil within the insurance industry forecast is not going to improve those numbers.

For a real estate agent selling individual or group major medical policies, the forthcoming …

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How Health Insurance Claims Are Processed

January 29, 2020July 4, 2020 - by Ray McFarren

Are you having trouble getting your insurance company to pay for your medical costs? When managed care entered the insurance world ten years ago, its mandate was to collect increased medical bills. Buyer’s return leads directly to many states creating an impartial review panel and requiring insurance companies to develop in-house appeal techniques. Forty-two states now have a third-party review board whose choice can override the choice of insurance companies. Most customers are not even aware that this review board exists. Another problem is that too many people give up when their insurance claims are initially rejected. The appeal process can be long and annoying and many people don’t have the patience or time to pursue a claim regardless of how legitimate it is. The people must be determined and they can win.

The problem in every claim made

Especially if there is important cash, the time you spend asking …

health insurance

Depression Medication and Health Insurance – Getting Prescription Coverage

January 25, 2020February 12, 2020 - by Ray McFarren

Zoloft is an SSRI (selective serotonin reuptake inhibitor) specifically designed to treat depression, panic disorder, anxiety disorders, PTSD, and OCD. This medication has proven to be very effective when it is taken accordingly, but can often cause problems for some people. It’s not the side effects or drug interactions that most people worry about, but the lack of health insurance coverage for this medication and others like it. Many states have created laws to require private insurance coverage for mental health treatment, but they have not been effective at convincing insurance companies that covering anti-psychotic medications is a good idea.

Too many insurance companies see this as a risk that they cannot afford, and will deny prescription coverage to people taking Zoloft and other prescriptions for mental health disorders. What is even worse is that some companies will increase health insurance rates or drop customers if they present with serious …

Introduction to Lung Surgery for Lung Lobectomy

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Introduction to VATS Lobectomy Lung Surgery

December 16, 2019January 14, 2020 - by Ray McFarren

There are over 200,000 diagnosed cases of lung cancer (LC) each year in the United States. While the incidence rate has declined since 1991, the disease remains the leading cause of cancer-related death. When the condition is detected in stage 1 (i.e. localized within the lung), it can be treated successfully. By the time cancerous cells have metastasized and spread to distant lymph nodes, it becomes more difficult to contain.

In the past, the disease was treated through thoracotomy (also known as open chest surgery). The patient’s thoracic cavity was accessed by the surgeon after a long incision was made into the chest. The breastbone was cut and the ribs were spread to provide working space. Because the ribs have limited flexibility, the procedure occasionally resulted in fractures. To resolve this issue, thoracic surgeons began to remove portions of the patient’s ribcage.

Today, minimally invasive techniques are often used to …

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Alzheimer’s Disease – Importance of Good Healthcare and Good Insurance

December 9, 2019January 14, 2020 - by Ray McFarren

Alzheimer’s disease is often difficult to deal with for everyone involved. There is no cure and there is no way to reduce the risk of developing the disease. This disease slowly progresses over time, and damages some nerve cells in parts of the brain. In early stages, a person may have loss of short-term memory that progresses to the failing of long-term memory, language, and reasoning. Things such as age, family history, and sex could play a role in whether or not a person is susceptible to developing Alzheimer’s and although forgetfulness is a natural part of life as age, there are things that can be done to help protect against the disease.

There are things to look for when trying to determine if a family member may be developing Alzheimer’s disease. One thing to look for is impaired thinking such as, forgetting one’s own birthday or occupation. Difficulty in …