Insurance Continuing Education - Major Medical Contracts

The following text is typical of the language and provisions used on the first page of the Major Medical policy.  Much of this information is required by state regulations and may vary by state.

IMPORTANT NOTICE

(NOTE:  In most, if not all, jurisdictions, the copy of the Application becomes part of the insurance contract/policy, again stressing the necessity of complete and accurate information on the Application)
Please carefully read the copy of your application attached to this Contract and notify Your Insurance Company, Inc. within 10 days if any information on it is incorrect or incomplete, or if any past medical history has been left out of the application.  Your application is a part of your Contract, which has been issued on the basis that the answers to all questions and all information shown on the application are correct and complete.
This Contract Contains a Deductible Provision
(This statement required in most jurisdictions when applicable
(The following is the Identification section, and while the format may vary by company, it is the minimum required in most jurisdictions)


CONTRACT NUMBER:   GROUP #
CONTRACT TYPE:  
EFFECTIVE DATE:    
MONTHLY RATE:  
During the terms of this Contract, Your Insurance Company agrees to provide to covered individuals the health insurance benefits specifically provided in this Contract, subject to all the terms, conditions, limitations, and exclusions.
(The following refund statement or one very similar is used in used in most states, but this "10-day – no questions asked" provision is the most typical)

IF, AFTER EXAMINATION OF THIS CONTRACT AND COPY OF YOUR APPLICATION, YOU ARE NOT FULLY SATISFIED FOR ANY REASON, YOUR PREMIUM PAYMENT WILL BE REFUNDED PROVIDED YOU RETURN THE CONTRACT AND IDENTIFICATION CARDS TO YOUR INSURANCE COMPANY, INC.

WITHIN 10 DAYS OF THE DELIVERY DATE. (THIS REFUND DOES NOT INCLUDE A REFUND OF THE APPLICATION FEE)
CANCELLATION PROVISION

This provision allows the company to cancel according to the provisions contained in the contract, but most states require that a statement of this type be on the first page.

This Contract will stay in effect as long as you remain eligible for coverage and you pay your Premiums on time, This Contract can be canceled if you have made a Fraudulent or Material Misrepresentation or omission on your application or we terminate the Contract for everyone covered by it.

We want you to understand and be satisfied with the terms of this Contract.  As you read through it, remember that the words "we", "us" and "our" refer to Your Insurance Company, Inc., the insurer (hereinafter referred to as YOUR INSURANCE COMPANY).  We use the words "you" and "your" to mean you, the Insured and your Covered Dependents.

We have issued this Contract in return for the completed application (which is made a part of this Contract) and initial Premium payment.

(NOTE:  The above typically completes the first page of the contract.  In some states, if a company is marketing their health insurance policies from an out-of-state trust (ERISA account), thereby removing or restricting the authority of the Department of Insurance to act in regards to that policy, some notification may be required.  One state requires a statement to appear in red ink on the first page, which states essentially that the provisions of that policy are under the jurisdiction of another state other than the one in which the policy is issued.  )

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Fostering Innovation With Healthcare Continuing Education

Knowledge and practices in the healthcare domain evolve continuously. According to industry experts James Morrison, E. James Kelley and Carl Lindsay, approximately 50 percent of the knowledge obtained in medical school becomes obsolete in five years. Due to this nature of the job, healthcare continuing education becomes imperative for medical professionals, particularly doctors, nurses and dentists. In fact, patients' well-being and lives often depend on these professionals keeping abreast with the advances.

Benefits of Healthcare Continuing Education

Healthcare continuing education, besides enabling maintenance of competence, allows skill enhancement without committing too much on time. Besides, you also have the flexibility in choosing the course or curriculum that captures your interest; or what you believe is most pertinent to your current expertise.

Other key benefits of continuing learning are:

1.Training by industry leaders: Content for continuing education programs are developed and delivered by experts.

2.Diverse education modes: Classes are delivered as live events, online programs, written publications, audio, video and other electronic media.

3.Flexible curriculum: Full discretion to choose subjects that are not directly linked to your field.

Therefore, besides honing your specialization, you can gain a perspective on other related fields as well. These additional skills can help you undertake wider responsibilities.

4.Facilitates networking: Healthcare continuing classes enables you to meet other professionals from your field and expand your network. Also, you get ample opportunities to attend workshops and conferences, bringing you in direct contact with pioneers.

Hence, the benefits of continuing education do not stop in the classroom.

Most importantly, many states in the United States mandate healthcare continuing education for medical professionals for maintaining their licenses. For instance, Arizona requires professionals need to have around 40 hours of continuing education every two years.

To enroll in a superior healthcare education program, visit www.certificationplus.com. The site offers a diverse range of healthcare courses, from nursing and medical billing to radiology dentistry. Besides saving on time you also obtain reasonably priced and highly interactive medical course credits. The aim at Certification Plus is "to take the sometimes challenging course material and dispense it in a varied, easy to retain manner."

Top Tips to a Fabulous Home and Garden

Having the best furniture and the most elegant curtains, classic china and silver ware, most comfortable beds and luxurious bathrooms. This sounds like the perfect home, inside. What does the outside look like? The outside of your house is just as important as the inside. It isn't just the first thing people see but it's also a place that you make as homely as the inside is.

The simplest thing you can do is have a nice garden (which you have to maintain too) and a few plants here and there. That again is the simplest, most extravagant which we all would love is a pool and a BBQ area and swings and a fountain and a jacuzzi and a bar and a trampoline even! But that way extravagant and no need to mention expensive. So what are some simpler things we could all get done? Here's the list.

To keep your lawn nice and green, you can aerate it, you know you need to do this if you have instant pools in the garden every time it rains. Aerating the grass will compress the soil so water can reach the roots. Also feed your grass, it doesn't take care of itself. If you cut back on fertilizer late in the summer you'll prevent perennials from wasting energy on leaf production. Applying high-phosphate mix to the lawn in autumn will encourage the roots to turf green early in spring.

Keeping the grass at it's best is the best thing you can do to keep the outside looking nice and clean, after that the designing is up to you. You can hire a contractor to do simple things outside your home like some landscaping around the plants, or have a nice little patio mad at the back of the house, some roofing and you have a little picnic area. All you need is the BBQ grill and some furniture.

Also make sure furniture you buy is meant for the outside as weather may ruin indoor meant furniture. Keep all the furniture clean and waxed with cleaners again meant for outside furniture. If you're getting one of those inflatable pools then have the area checked for safety. It would be horrible if you put the pool up then it comes down while you're in it!