Are there any nonprofit health insurance companies?
A number of the US health plans that get the highest ratings for service and quality are nonprofit organizations. Kaiser Permanente, mentioned in other answers, is the largest, but Group Health in Seattle, Harvard Community, Tufts and others in New England, Geisinger in Pennsylvania, Presbyterian in New Mexico, Intermountain in Utah, and many others are outstanding models of a nonprofit structure. The plans set up as part of Obamacare faced a number of obstacles to their success, but their difficulties should be considered in the context of the achievements of the nonprofit plans that preceded them.(Full disclosure: I worked for three different nonprofit health plans before I retired, which is a big reason for my belief in that model).
What are some slang terms used among police officers?
The most derogatory terms for the bad guys and citizens who are just pains in the rectum:A.H. = Adam Henry (A-dam H-enry) If you don’t get it…..sometimes you will hear it as “Jack Hole”…..now what starts with an “A” that ends with HOLE ?RICHARD CRANIUM= What starts with a “D” and is a nickname for Richard ? What is the non-medical layman’s term for the Cranium ? Do these clues HEAD you in the right direction ?
How do I take care of a physically disabled person?
You don’t, unless it’s your job to. You especially don't do anything without asking: it is very easy for someone to unthinkingly make stuff much harder, or even cause injury, in their efforts to provide help that is not needed or wanted.If they can tell you how to support them, listen to them and do not make guesses to fill in any gaps. If you need to ask questions, ask ‘em. Your starting position must always be that the only person who knows how to do this right is the disabled person themself. It may be that they then delegate that to a third party - the district nursing team help me to train my personal care assistants to do a few things - but the decision needs to be theirs, and nobody else’s.The above is still true if the person does not speak clearly, communicates by methods other than oral speech, is very young or very old, or also has (or you believe that they have) an intellectual or cognitive impairment. If you hit a brick wall and you cannot find out what you need to know from them, ask their permission to get someone to help fill in the blanks.People with physical impairments vary just as much as people without, so there’s no way to generalise about any one care task or anything - but if you wanted to ask specifically about, I dunno, using a hoist (patient lift) to transfer someone from bed to wheelchair, avoiding leaks from night bags for pee from a catheter, or the etiquette of spoon-feeding someone when you are also needing to eat yourself, then go ahead and ask more specific questions and we’ll try and give some specific answers.
What is MultiPlan PPO?
This Answer that relates to you if you have choose this insurance…Multiplan PPO is an Umbrella Insurance Co that maintains a Network of Contracted Physicians, Specialist Facilities and Hospitals who must accept your Insurance.The PPO means Preferred Provider Organization. Which is DIFFERENT from an HMO (Health Maintenance Organization).In short— A PPO network does NOT require a Referral, You have the freedom to walk into ANY Physician or Specialist Office for exam services who is IN-Network.The one easy Exception to this rule is Radiology— You will need to have a Doctor ‘ORDER’ an Xray or an MRI or other Radiology procedure via prescription or a Phone call. You cannot walk in an get an MRI of you hip by yourself.PPO Insurance usually has DEDUCTIBLE rules…meaning that you will have a Set amount that YOU must Pay OUT-OF-POCKET before the Insurance will begin to Pay the Doctor Directly. The Doctor will STILL Bill the Insurance, because this is the way the Insurance can count if the Deductible Limit is being Met. REMEMBER: You are Responsible for PAYING the Doctor out of pocket during this time.The Deductible usually RESETS Annually. If you have this insurance, you should be aware of HOW MUCH your Deductible amount is and whether there is an INDIVIDUAL Deductible versus a FAMILY Deductible. If it isn’t clear, Call the Insurance and ASK.And Be Aware— the LOWER your Premium, generally, the HIGHER the Deductible.Be Certain that the Doctor you want to go to PARTICIPATES in the Network. The Words: ‘We ACCEPT’ does NOT LEGALLY MEAN the Doctor is IN-NETWORK. You must hear the words: “We are IN-NETWORK”Good Luck!