byalex

When the house down the street or the business in the next block is robbed or burglarized, the natural tendency is to worry who might be next. No one is exempt from the risk of being victimized. However, everyone can reduce the risk of being a victim by taking advantage of a security service. Security Guard Kansas City can provide a layer of protection from a variety of losses. The question is not really who needs a security service, it is which type of security service is needed to best protect all types of assets?

Homeowners often leave their residences empty for hours or even days at a time. Empty dwellings provide a great opportunity for burglars to take their time entering the property and selecting items to take that are easily sold. Electronics, jewelry and weapons are prime targets for theft. All can easily be disposed of quickly with little risk to the thief. A home security system, combined with Security Guard Kansas presence, can significantly reduce the risk of being victimized. In addition, modern security providers are now utilizing real-time video to prevent false alarm responses and improve identification and apprehension of anyone actually entering a property.

Business owners can tailor systems to significantly reduce shrinkage from normal business traffic or from employee theft. Loss prevention specialists can monitor the site and alter programs as needed to meet changing needs. Security Guard Kansas City works with business owners to determine the most effective services to fit each business need. In addition, services can be designed to meet the budget of each business. As profit margins continue to shrink for many businesses, loss prevention will become increasingly more important. No business can afford to ignore losses.

As with any service, selection of a provider should not be done haphazardly. It is important to look for security providers with experience, preferably in law enforcement. Providers with a knowledge of law enforcement practices and procedures can generally be expected to provide more effective services. In addition, if there is an incident, that law enforcement experience can result in a higher likelihood of prosecution and conviction. Everyone with a risk of loss must consider using a security service. It is simply some of the best insurance against loss that is available.

Understand the Fine Print on Family Travel Insurance Policies

by

patrick chong

A family travel insurance policy may, at times, exclude certain countries, regions and activities from its standard provisions. The logic behind it is usually obvious, but it might indicate that research is required sometimes before setting your heart on a specific holiday destination or type.

A question of risk

Providing insurance is largely the business of trying to assess the risks involved in a given situation and working out a price to cover the financial aspects of that for the policyholder concerned. As a principle, it certainly applies to family travel insurance, but in some circumstances an insurance provider may decide the risks are too great and decline to offer appropriate cover. In other cases they may agree to do so but only under certain special conditions and with the payment of additional premiums.

Here are a few examples of where such circumstances may arise.

Dangerous countries or areas of countries

Some destinations may be considered too dangerous for normal family travel insurance including situations where the country or region is officially designated as a war zone; there is extensive civil strife; local law enforcement is unreliable and general crime is at very high levels; a high degree of political instability exists which may degenerate into conflict; there is a high and well-documented risk of kidnapping; or where the country is currently subject to a serious and widespread outbreak of infectious disease.

Broadly speaking, before choosing a holiday destination outside of what might be termed to be familiar overseas destinations , it might be highly advisable to consult the Foreign Office s site in order to obtain travel advisory information. In some situations, similar advice might be obtained through the World Health Organisation or the embassy of the country concerned.

Dangerous activities

In some circumstances, your insurance provider may consider that certain activities are, by their nature, too dangerous to cover on a standard policy. Interpretations of what is, or is not, a dangerous sport or related activity vary tremendously. The only way to be sure as to what the situation is with a given policy is to read it thoroughly.

Nevertheless, you may find that certain sports and pastimes are often excluded, including skydiving; parachuting; hang-gliding; micro-light piloting and perhaps other forms of general aviation activity; bungee jumping; scuba diving or any participation in activities that might involve the use of submersibles; mountaineering and rock climbing;

motor sports; some types of boating, particularly if high-speed power boats are involved.

Of course, this list isn t inclusive and some of the above activities may, in reality, be covered by your standard policy. However, in the context of a claim is not best time to find out that they are not! So, if you have any doubts at all, it might only make common sense to check with your provider of your family travel insurance well in advance of your departure.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including

family travel insurance

, annual, multi-trip and single-trip insurance. For all your travel insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

Article Source:

ArticleRich.com

Top 10 Secrets of Federal Government Employee Discounts

by

Douglas Fredericks

Although government jobs are some of the most stable careers in the economy, federal employees are still watching their bank accounts and trying to save money. The good news is that many companies offer public servants deals on vacations, clothes, phones, auto insurance and home improvement. We have researched and compiled a list of the Top 10 Secrets of Federal Government Employee Discounts.

1. Food 10 percent discounts are offered to military members dining at IHOP, Denny’s, T.G.I Friday’s, Long John Silver’s and the Hard Rock Cafe. Applebee’s also offers a 15 percent discount at selected locations. 2. Clothing 10 percent discounts are offered at Nautica and New York and Co. Fans of Old Navy know the company offers a discount on the first of every month. These discounts can also be used in conjunction with coupons and other methods of saving. 3. Auto Parts 5 to 10 percent is offered at Kragen Auto Parts. Advance Auto Parts offers active and retired military members 10 percent off. AutoZone offers military discounts as well. 4. Insurance Depending on the state, Geico offers between 3 to 10 percent off automobile insurance. Liberty Mutual also offers car insurance discounts. 5. Home Improvement Lowes and The Home Depot offer 10 percent discount at most locations. The government is also offering up to $1,500 in tax rebates for installing energy-efficient products. LongFenceandHome.com offers a discount to federal employees and military personnel on a wide variety of products and services. 6. Eyes Group Health Eye Care offers a 20 percent discount on prescription eyeglasses or sunglasses. Additionally, there is a one-time offer of 20 percent on contact lenses. 7. Gyms Washington Sports Club offers 33 percent discount on their monthly membership fee. 8. Travel When planning a trip, Govarm.com is our recommended site for vacation and leisure services. However, some other respected government travel sites are: Club Quarters, Government Vacation Rewards, Holiday Inn Express, and La Quinta Inns and Suites. 9. Communication and Technology Verizon offers a 20 percent discount on phones, calling plans and accessories. When looking for home computing software and hardware consult Dell. They offer at least 10 percent when purchasing their products. Do you prefer Macs? Apple has recently offered various discounts on iPods and computers. 10. Fedsave.com and RecGov.org These are the top recommended sites for searching government discounts. Fedsave.com offers a subscription which includes a free monthly newsletter highlighting savings and special offers on everything discussed above. Government discounts are abundant, but are often overlooked. With some quick research, you may find yourself saving a lot of money.

Douglas Fredericks is a social media intern for Long Fence and Home, a home improvement company serving the Maryland, DC and Virginia areas. Long Fence and Home also provides government employee discounts on products like

replacement windows

. Visit

longfenceandhome.com/government/

for more information.

Article Source:

Top 10 Secrets of Federal Government Employee Discounts

Health, like the weather, can be very unpredictable. You can be at the prime of health one day and then fall sick the next. With rising prices of medication, hospitalization and doctors’ fees, health insurance plans have become an important investment for families and companies. The first step, though, in deciding on a good health insurance plan for you and your family or staff is to understand the different types of health insurance plans available. The following information on the different types of health insurance can help you make the right choice.

Fee-for-service.

Also called Indemnity Insurance, this type of health insurance plan pays for part or all of the fees for medical services such as consultation, check-ups, lab work and hospitalization. The advantage of fee-for-service plans is that you can choose which doctors and hospitals are included in your health insurance plan, as long as they are accredited by the insurance company. You pay for the service and make a claim to get reimbursed for what you spent if that particular medical service is covered in the policy.

Preferred Provider Organizations (PPO).

PPOs are a type of managed care health insurance plans which consolidate different hospitals, doctors and healthcare providers and gets them to give their services to plan holders reduced cost. For a fixed monthly premium, members get to choose their own doctors and hospitals from a pre-approved list and can also get the same coverage (for a higher premium) even if their personal doctors are not on the accredited list. Another advantage of PPOs is that you do not need a referral to be able to consult with a specialist.

Health Maintenance Organizations (HMO).

Health Maintenance Organizations, which are also a type of managed care health insurance plans, provide medical care on a pre-paid basis, where plan holders pay a monthly, annual or bi-monthly fee for healthcare. A primary healthcare doctor is selected from a list, and this doctor is in charge of all your healthcare needs. A referral is needed from your primary doctor before you can see a plan-accredited specialist. HMOs also focus more on preventive healthcare rather than treatment.

Point of Service (PoS).

The point of service health insurance plan combines the characteristics of both a PPO and an HMO. You also select a primary healthcare physician (like an HMO) and he becomes your “point of service.” He can then refer you to other specialists accredited by your health insurance plan. Should you decide to see other doctors not accredited by your PoS plan (like a PPO), you will be required to do all the paperwork and filing of reimbursements with your health insurance company.

Short-term health insurance. This type of health insurance plan is good for those who are in-between jobs or those who are still saving up for a complete plan. Short-term health insurance offers coverage for a limited period, for about 6 months–although some may offer coverage up to a year. This type of insurance was designed to cover for accidents and unforeseen illnesses rather than giving complete medical care or treatment. They also do not cover pre-existing medical conditions.

Article Source: sooperarticles.com/finance-articles/insurance-articles/there-different-types-health-insurance-plans-your-specific-needs-26225.html

About Author:

Do you want to learn more about the different kinds of health insurance plans? Or do you want to check out which type of health insurance plan fits your needs? Our site offers online health insurance brokers to help you 24/7.Author: Clint Jhonson

Health care has been so much in the news lately and there has been so much discussion about it, most people probably have no idea how they may be affected. Here, in the United States, national health care has been basically, Medicare, for those over 65 (or disabled) and the state run, Medicaid, in New York, or similar program, in other states. In order to qualify for state medical aid, one must have virtually no income or assets. This type of system leaves many people in a difficult situation with their health care status. If they are not working at a company that provides medical coverage, not elderly or not dirt poor, you may have problems with medical care. National health care would help those who do not qualify for state aid and not eligible for Medicare or any other health benefit program through work or school. Many jobs provide access to a couple of health plans and cover part of the cost of enrollment, where the remainder, is deducted from the employee’s salary. Of course, how much is covered depends on the employer. When an employee leaves the job, they can be eligible for co-ordination of benefits rights act(COBRA) and still qualify for the reduced payment of the insurance coverage. National health care can provide either a wide range of medical insurance plans at affordable prices to the general public or direct assistance with medical claims and bills. It can also help people with more serious illnesses pay for expensive medications and lab work.

As a small business owner in any sector, there are a lot of things to worry about. Invoicing and billing is one of the most important factors because without income from services rendered, any business will quickly default on its own financial obligations. The same holds true for doctors’ offices. However, their accounting can be even more complicated because insurance companies can be unpredictable about paying out their claims. Medical billing outsourcing can help eliminate some of this confusion, which consequently eliminates the need to hire additional staff dedicated to collecting payments and claims. Basic health care services, including an annual check-up or treatment for a minor cold, can be fairly inexpensive. However, this cost can add up for families with young children or older patients with multiple health concerns. Luckily, carrying health insurance helps to cover some of these costs, so all the patient has to do is provide their health insurance information to pay for their doctor’s visit.Unfortunately, collecting payment from the insurance company is easier said than done, especially since medical billing is regulated by a complicated coding system. This system helps the insurance company to process thousands of claims per day, and the doctor’s staff must be specially-trained in order to efficiently use this system.Hiring new staff isn’t always practical, since the cost of employee training, salary, and benefits might not always be affordable for smaller practices. Likewise, some professionals may attempt to handle the billing themselves, only to find that it is too time-consuming and takes too much focus away from their patients. Furthermore, industry studies have found that claim rejections due to coding errors are very common.Medical billing outsourcing is indeed a quick and easy fix for getting payment from the insurance company without the need to hire additional staff. Increasing claim revenue is one of the biggest advantages to outsourcing these services. Many practices, both large and small, can ill-afford long billing cycles simply because they are slow to output their claims or experience a high frequency of rejections due to coding errors. Medical billing outsourcing streamlines the billing cycle with highly-trained professionals and extensive claim follow-up services.Providing savings to the healthcare practice is one of the most attractive advantages to medical billing outsourcing. Many outsourcing companies only charge for what they receive. In addition, without the cost of additional staff, software licensing, or training, there are additional resources for the doctor to spend caring for their patients and rewarding their staff.