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Visit One News Page for Health Insurance news from around the world, aggregated from leading sources including newswires, newspapers and broadcast media. Search millions of archived news headlines. This feed provides the Health Insurance news headlines.

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    Jammu and Kashmir Chief Minister Mehbooba Mufti today requested Prime Minister Narendra Modi to initiate a dialogue process with Pakistan at the earliest as the "key for peace" was with the neighbouring country.

    Speaking at a function organised by a group of Kashmiri Pandits owing allegiance to the Peoples Democratic Party (PDP), Mufti said that war was never an option.

    "Reconciliation is the mantra which we need to follow and therefore, I request Modi ji to engage with Pakistan," she said.

    "We need to take an assurance from the neighbouring country that they should not be allowing their soil to be used against India. After all, we all know that the key for peace is in Pakistan. They have been pushing terrorists into the state," she said.

    The chief minister said that efforts should be made for changing the slogan of "Azadi" in the Kashmir Valley.

    "This can be achieved. Why cant Jammu and Kashmir be a gateway to the central Asian countries.

    "If the CPEC (China-Pakistan Economic Corridor) is a possibility, so can be this. If new roads are opened, the slogan of Azadi will automatically change," she said at a gathering of around 200 Kashmiri Pandits, who had to leave their homes after the onset of the militancy in 1990.

    She advised people not to watch debates on television channels which only foment hatred between the two warring nations as well as the Muslims of Kashmir and the rest of the country.

    "Those, sitting in studios and pontificating the nation, are only interested in the TRP ratings and not finding solution to the problem.

    "Many a times I wonder who are these people who talk so much on television. Are they even aware of the ground realities," she said.

    Mufti said that every second-day daggers are out and a war hysteria is created.

    "If a war had to happen, it would have in 2001 when the armies of the two nation were in an eye-ball-to-eye ball contact for over a year," she said.

    "War (between India and Pakistan) will not happen. After the attack on Parliament in 2001, the armies of both the countries (India and Pakistan) were deployed along borders for a year, if the war did not take place back then, it will not take place now as both the nations know it will be disastrous (for both)," she said.

    She also appealed for a reconciliation between the Kashmiri Muslims and Pandit community.

    "I know you people had to leave your homes under difficult situations. You people have suffered but so do have those who are there in Kashmir.

    "The gift of education has helped you (Pandits) in making a name for yourself but those in Kashmir are still trying to live a peaceful life," the chief minister said and made an appeal to Kashmiri Pandits to visit the Valley.

    "The Valley is incomplete without you. To begin with, please come as tourists and later if you feel so, you are most welcome to go back to your homes and stay there. I am not assuring you a roller coaster ride.

    "Difficulties will be there but we together have to face these difficulties. Please do not wait for the last gun to fall silent," she said.

    The chief minister also apologised to the Kashmiri Pandits for delay in resolving their issues.

    The Kashmiri Pandits should send their younger generations to see the state to familiarise them with their roots, the way children from Jammu and Kashmir are sent to see the rest of India, Mufti said.

    She also urged the Centre to talk with Pakistan so that the Kashmiri Pandits can visit Sharda Peeth in Pakistan occupied Kashmir (PoK).

    When asked about the third front, she said every party has a right to be in alliance with any party it wants.

    Over funds to Jammu and Kashmir, she said it is given by the Centre and the earliest they do so, the state government tries to utilise them.

    A charter of demands, including health insurance, was submitted by the group of Kashmiri Pandits to the chief minister who assured that she will consider and act upon them.

    Sharda Peeth, once regarded as a major centre of learning, is an abandoned Hindu temple located in Sharda village along the Neelam river near the Line of Control (LoC). Reported by Deccan Herald 6 hours ago.

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    AUGUSTA, Maine (AP) — Maine would preserve key provisions from former President Obama’s health care law under legislation headed to Republican Gov. Paul LePage’s desk. The bill would allow children younger than 26 years old to remain on their parents’ health insurance policy. Democratic Sen. Troy Jackon’s bill would prevent individual, group and blanket health […] Reported by Seattle Times 5 hours ago.

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    SAN DIEGO, Calif., April 01, 2018 (GLOBE NEWSWIRE) -- The explains the pain of addiction recovery for couples. Recovery demands complete honesty. It’s necessary to recovery. Recovery is difficult because you must shift your everyday living, and all shift is difficult, even very good change. It must become the most important thing in your life. It can help you change your life. It is rewarding because you get the chance to change your life.Many couples share an ordinary substance abuse addiction. On the opposite hand, some couples might actually be hindered by seeking treatment from exactly the same drug rehab treatment center. In cases like this, the couple might be put in separate living arrangements. Speaking about forgiveness may be a fruitful subject of discussion for recovering couples.

    New Step by Step Roadmap for Addiction Recovery For Couples
    Addiction comes in an assortment of forms. Addiction is all about extremes. You can choose if have an addiction. When it’s an addiction, there’ll be negative consequences. Drug addiction can have devastating impacts on relationships that will be rather hard to overcome without professional assistance. Drug addiction and issues with intimacy usually go together. Quite simply, individuals use drugs and alcohol to alleviate tension. There are just a few explanations for why folks use drugs and alcohol.

    There are multiple couples drug rehab addiction treatment centers across the nation. Of all the facilities that offer inpatient or outpatient care, the types of rehabilitation provided basically break down into one of two categories. These philosophies are paramount to the techniques preferred during drug and alcohol treatment. In other words, you will have to choose from the two based on your own preferences for treatment.

    Behavior Modification
    Evidence-Based Treatment

    *Behavior Modification Rehabs*
    In the behavior modification setting, treatment and rehabilitation take place on a group basis. Most of the care provided is offered in a group-based format – which can be effective for people who are exhibiting serious signs of addiction – such as: committing crimes, legal trouble, homelessness, assaultive behaviors, etc.

    Evidence-Based Rehabilitation
    Meanwhile, the evidence-based approach is designed for people that have an addiction and co-occurring disorders. Unlike the behavior-mod settings, these programs are offered largely on a one on one basis. The techniques are less confrontational in EBT settings. These programs are really successful when the participant is showing signs of a dual diagnosis, such as: depression, anxiety, insomnia, bipolar, etc.

    Choosing a Couples Addiction Rehab Center
    Choosing a drug rehab for married couples is easy once you decide which type of treatment (above) you would prefer. Obviously, the next aspect will be to determine the cost, or learning how to access health insurance to pay for drug rehab – if you have insurance benefits that you would like to use. If you would like help discovering your treatment options call at 888-325-2454.

    A photo accompanying this announcement is available at

    Contact Info:

    Author: Kevin Leonard


    Address: 27420 Jefferson Ave, Temecula, CA 92590

    Phone: 888-325-2454 Reported by GlobeNewswire 21 hours ago.

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    Bill Shorten refuses to rule out changes to rebates Reported by Brisbane Times 15 hours ago.

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    With recent breaches of healthcare databases, healthcare providers need to determine whether storing protected health information (PHI or ePHI) in the cloud is a good idea. Cyber security expert Spohn Consulting points out that this decision should be made with care.

    AUSTIN, Texas (PRWEB) April 02, 2018

    Many healthcare providers must decide whether they should store protected health information (PHI) in the cloud. There are benefits and concerns to storing PHI in the cloud, and the decision to do so should be based on carefully analyzed data.(1) The U.S. Department of Health and Human Services says that with the proliferation and widespread adoption of cloud computing solutions, HIPAA*-covered entities and business associates are questioning whether, and how, they can take advantage of cloud computing while still complying with regulations protecting the privacy and security of electronic protected health information (ePHI).(2)

    According to Timothy Crosby, chief of security for Spohn Security Solutions, “While there are benefits to storing personal health information in the cloud, hospitals and other healthcare providers must be careful to ensure that adequate security measures are being taken to protect this sensitive information.”

    Recent breaches of many healthcare facilities’ data demonstrate that hackers are quite busy trying to invade and take PHI wherever they can. (3) In the first 2 months of this year, nearly three-quarters of a million patients had their ePHI exposed through ‘Data Breaches’ of over half a million records. Of these, 77% were compromised/lost as a direct result of hacking. 91% of the records compromised in the month of January were attributed to hackers and the largest breach reported in the first 2 weeks of March is attributed to hacking. (4)

    Computer security must ensure that no harm comes to sensitive data and that no one is able to read such data unless they’re meant to.This confidentiality aspect is particularly relevant to highly sensitive data such as personal health information.

    PHI is any health-related or insurance payment information stored or managed by a healthcare provider, which data can identify a specific individual. Examples of PHI are patient names, addresses, Social Security numbers, X-ray images, lab results, insurance payment information and medical records. “ePHI” is electronically-stored PHI information. Even information about a patient’s planned future procedures is PHI. Government regulation of PHI is covered in the HIPAA Privacy Rule,* and ePHI is covered by the HIPAA Security Rule.* All healthcare providers in the United States must adhere to this or face fines. (5,6)

    The primary benefit of cloud storage is to give users the ability to access data across a variety of electronic devices while eliminating the costs and technical challenges associated with maintaining such dataon-site.

    Many healthcare providers would prefer to move their data infrastructure to the cloud so they can better focus on providing healthcare services. Additionally, the capital cost of managing a data center can vary from year to year; hosting data in the cloud can provide a more static cost, making budgets simpler and more predictable. (1)

    Spohn Consulting is expert at HIPAA* compliance, as well as all aspects of cyber security. Crosby says, “The threat of a breach of protected health information exists if data is in a common server such as the cloud. In our experience, the most vital action is to take proper security measures to protect the information before actually going to a cloud-based service.”

    Here are a just few examples of how you can ensure safety of data if you decide to use a cloud-based provider:
    1.    Verify that your cloud provider’s security standards are appropriate. Make sure it has up-to-date procedures on patching, and that it actively upgradesits equipment.

    2.    Review security policies as they pertain to the cloud environment. Your provider should have an actively managed compliance program that verifies its adherence with regulatory requirements and security standards, including HIPAA laws.

    3.    Data protected by law, such as PHI or personal identifiers, should never be stored in the cloud unless encrypted. Only certain members of your organization withauthorized access should be able to decrypt this data.

    4.    Create policies that detail the circumstances in which this information can be decrypted. All security-related policies should be reviewed and agreed upon in the terms of service within your agreement with the cloud service provider.

    About Spohn Consulting:

    Spohn Consulting, Inc., an Austin, Texas-based privately held company established in 1998 by Darren L. Spohn, is an authority in navigating Fortune 500 companies and medium tosmall businesses through the security business challenges of the 21st century. Spohn Consulting works with organizations to assess their information security posture (the security status of an enterprise’s networks, information and systems based on identification and authorization resources, e.g., people, hardware, software, policies, and capabilities in place to manage the defense of the enterprise and to react as the situation changes), offer customized instructor-led training, and sell telecom services. Utilizing varied scopes of engagement, it delivers recommendations which can be measured against best practice or compliance standards.

    *HIPAA(Health Insurance Portability and Accountability Act of 1996) is U.S. legislation that provides data privacy and security provisions for safeguarding medical information.(2)

    1    Dargin, Mark. “Is Protected Health Information Safe in the Cloud?”Network World, Network World, 18 May 2017.

    2    HHS Office of the Secretary, and OCR, Office for Civil Rights. “Cloud Computing.”, U.S. Department of Health and Human Services, 16 June 2017.

    3    “The Biggest Healthcare Breaches of 2017.”Healthcare IT News, 6 Dec. 2017.

    4    HHS Office of the Secretary, and OCR, Office for Civil Rights. “U.S. Department of Health and Human Services Office for Civil Rights Breach Portal: Notice to the Secretary of HHS Breach of Unsecured Protected Health Information.” U.S. Department of Health & Human Services - Office for Civil Rights, 27 Mar. 2018.

    5    Jones, Ed. “HIPAA ‘Protected Health Information’: What Does PHI Include?”, 1 Sept. 2009.

    6    HHS Office of the Secretary, and OCR, Office for Civil Rights. “Summary of the HIPAA Security Rule.”, US Department of Health and Human Services, 26 July 2013. Reported by PRWeb 12 hours ago.

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    SALT LAKE CITY (AP) — Utah officials want health insurers to help cover millions of dollars in unpaid medical claims left behind after the closure of a health insurance company, but those carriers are saying no. The Deseret News reports Arches Health Plan announced in October 2015 it would no longer offer insurance on the […] Reported by Seattle Times 8 hours ago.

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    The health care industry changes so rapidly that it’s hard to predict what the cost of health care will be 10, 20 or 30 years from now. Being prepared for the costs is challenging, but a health savings account (HSA) can help. An HSA allows for those with high-deductible health insurance plans to contribute to an account with pre-tax dollars. The maximum a single person can contribute is $3,450 in 2018. The maximum a family can contribute is $6,850 in 2018. If you are over 55, you can make an… Reported by bizjournals 8 hours ago.

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    PORTLAND, Ore., April 02, 2018 (GLOBE NEWSWIRE) -- City Chiropractic of Portland today released information to let people without insurance or who have inadequate insurance plans know that they can still get chiropractic care. Affordable care and payment options make it possible to get the care you need and not allow finances to get in the way. With these options, no one who needs chiropractic care has to go without it.Despite the Affordable Care Act, many people still have no health insurance. Of those that do, a large percentage have policies with such extremely high deductibles and co-pays that it can be considered to be a catastrophic care insurance rather than general health coverage. Both the uninsured and underinsured need to look for other options when they seek health care.

    City Chiropractic offers payment plan options to make it easier for these people to get care. They also offer affordable treatments that can be paid for in cash or credit cards. This is meant to put chiropractic care within reach of far more people than would otherwise be possible. It also makes it possible to get diagnoses and treatment quicker, so patient’s conditions don’t get worse due to a lack of finances.

    “Here at City Chiropractic, we believe that everyone should be able to get the chiropractic care they need. We also know that some people have no insurance or have high-deductible/co-pay plans that won’t provide coverage when they truly need it. For this reason, we offer a variety of payment plans and affordable treatments. We also offer free consultations for new patients so uninsured and underinsured patients don’t have to wait to determine what is causing their health concerns,” said Dr. Larry Hanberg of City Chiropractic.

    These payment plans aren’t just for treatment. The chiropractic center also offers advanced diagnostics. City Chiropractic has digital X-ray, computerized thermal scans, surface electro-myography, and direct physical examinations to detect these issues. Since a correct diagnosis is essential to getting the proper course of treatment. In the chiropractic setting, diagnosis is focused on identifying the actual cause of the problem. Some of these problems include degenerative discs, arthritic bony growths, stenosis, structural misalignment, hypomobility, adhesions, an overabundance of inflammatory biochemicals, and many, many more.

    *About City Chiropractic*: City Chiropractic has been in business for over 30 years. It serves the area of Portland, Oregon by providing a variety of diagnostic and treatment options for its residents. Treatments include chiropractic adjustments, corrective exercises, massage therapy, spinal and postural screenings, lifestyle advice, and nutritional counseling. In many cases, patients receive multiple therapies to gain synergistic benefits and enhanced healing. Those interested in getting a free consultation or an initial treatment may contact the clinic at (503) 224-9513 or by visiting their web site at  Reported by GlobeNewswire 6 hours ago.

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    Employers obtain employee health information in a number of ways — most commonly, in relation to a work-related injury or when an employee requests medical leave or a disability accommodation. Most employers understand that such information is “confidential,” but may not fully understand what that means or what they should do to protect it.  It is a common misconception that the Health Insurance Portability and Accountability Act (HIPAA) applies to employee health information. In fact,… Reported by bizjournals 5 hours ago.

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    DES MOINES, Iowa (AP) — Iowa Gov. Kim Reynolds has signed into law legislation that will allow people to buy a cheaper form of health insurance that skirts Affordable Care Act rules. The Republican governor said at a bill signing Monday that the law will provide relief for Iowans experiencing increases to their health insurance […] Reported by Seattle Times 5 hours ago.

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    Humana Inc. joined a potent group of health care companies to look into creating a massive database of provider information with blockchain technology. Louisville-based Humana (NYSE: HUM) has partnered with UnitedHealthcare and Optum — both subsidiaries of Minnetonka, Minn.-based UnitedHealth Group Inc. (NYSE: UNH) — as well as New York City-based health insurance service provider MultiPlan Inc. and Seaucus, N.J.-based laboratory diagnostics firm Quest Diagnostics Inc. (NYSE: DGX) in the venture.… Reported by bizjournals 5 hours ago.

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    The eighth president of health insurance company Blue Cross Blue Shield of Kansas is now in place.  Matt All started in that role Monday, though the change was technically effective April 1. All replaces Andrew Corbin, who retired after more than 41 years with the Blue Cross Blue Shield System. He was president and CEO of the company’s Kansas operations for 10 years.  All was executive vice president and general counsel for Blue Cross Blue Shield and has been with the company since 2006. He… Reported by bizjournals 4 hours ago.

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    Washington D.C., Apr 2, 2018 / 04:29 pm (CNA/EWTN News).- A federal judge ruled in favor of the Catholic Benefits Association last week, issuing a permanent injunction and declaratory relief against the Department of Health and Human Services’ contraception mandate.This means that organizations belonging to the CBA do not have to provide coverage of drugs, the use of which they believe to be immoral, as dictated by the mandate.

    The CBA represents more than 1,000 Catholic employers, all of whom seek to provide health insurance for their employees without violating their religious beliefs. In 2014, the CBA filed two federal lawsuits against the HHS mandate which required all insurance plans to cover contraception, sterilization procedures, and emergency contraception. More than 88,000 people work for companies that are part of the CBA.

    Companies that are not part of the CBA are still subject to the mandate, which remains in place as-is. The Catholic Church teaches that contraception and direct sterilization are “morally unacceptable” means of regulating birth.

    The CBA argued that this mandate, which was not part of the Affordable Care Act, was forcing Catholic employers to violate their deeply-held religious beliefs. U.S. District Court Judge David Russell agreed, and issued the permanent decision. This injunction will prevent the federal government from enforcing the mandate, and Russell also ruled that this mandate had been in violation of the Religious Freedom Restoration Act by attempting to force employers to provide contraception and sterilization, in violation of their sincerely held religious beliefs.

    Failure to comply with the mandate meant that businesses were subject to fines. The companies that make up the CBA had collectively accrued $6.9 billion in fines, which were eliminated with the ruling.

    In a statement provided to CNA, CBA CEO Douglas G. Wilson, Jr. said the association was “most grateful” by the decision, and he urged other Catholic employers who are struggling with complying with the mandate to join the CBA. Wilson said that this ruling was a win for religious freedom.

    “The ruling directly protects all current and future CBA members,” said Wilson, adding that he was grateful that the CBA is “now in a position to protect even more Catholic ministries and businesses.”

    What’s more, said Wilson, is that Russell’s ruling is an “important judicial validation of religious liberty” in the context of the First Amendment and of the Religious Freedom Restoration Act. Wilson believes that this will pave the way for other religious groups to protect themselves against the mandate.

    “His ruling creates a precedent which, we are sure, will be cited by religious faiths across America in their own resistance to these immoral intrusions.”

    Since the HHS mandate was announced in 2012, several groups have filed suit against the government in opposition to its demands. The Supreme Court ruled in 2014 in Burwell v. Hobby Lobby Stores, Inc. that closely-held corporations with religious employers opposed to the mandate cannot be forced to comply with it. Hobby Lobby is a craft store owned by Christians who were opposed to certain drugs included in the mandate.

    The Little Sisters of the Poor, a group of Catholic women religious who operate nursing homes for the elderly poor, also filed against the mandate. The Little Sisters of the Poor were granted an exemption from the mandate, but were back in court in November 2017 to argue their case once again. Reported by CNA 1 hour ago.

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    DGAP-News: adesso AG / Key word(s): Final Results/Forecast

    03.04.2018 / 07:30
    The issuer is solely responsible for the content of this announcement.

    *With the presentation of its 2017 consolidated financial statements, adesso outperforms the adjusted forecast / Increase in sales to EUR 321.6 million and in EBITDA to EUR 25.4 million sets new records / Increase in dividend to EUR 0.40 per share proposed / Positive outlook for 2018*

    *After a good fourth quarter with new records in sales (EUR 88.1 million) and EBITDA (EUR 9.0 million), adesso AG ended 2017 on a positive note after a weak performance during the first half of the year. In the 20th anniversary year of adesso, organic growth was 19 % and underlines the strengths in innovation and growth. For the fifth year in a row, the Executive Board and the Supervisory Board proposed to increase the dividend to EUR 0.40 per share (+ 11 %) at the Annual Shareholders' Meeting. With the continuation of the ambitious growth strategy and higher investments in the development of new products, 2018 is set to see both sales and EBITDA increase by at least 9 % respectively.*

    With three working days fewer than in the previous year, adesso was again able to achieve organic sales growth of 19 %. The growth was achieved in particular in Germany through the acquisition of new customers, the expansion of existing customer relationships and the hiring of additional employees. All major core industries were able to boost their sales, with the highest growth in absolute terms recorded in the Banking division and highest growth in relative terms recorded in the Automotive division. In connection with the takeover of UnitCon GmbH, sales revenues increased by 23 % to EUR 321.6 million and the number of employees at the end of the year rose by 25 % to 2,712.

    In March 2018, a renowned institute named adesso Germany's best employer in the top size category in the IT industry. Despite the high level of competition for talented and experienced employees, we were able to hire more new employees than ever before. In the first half of 2017, earnings were weighed down too much by high investments in growth, through the expansion of and increased number of locations, expenses related to employer branding and recruitment activities, as well as business development and the rapid development of a trainee programme. This was effectively counteracted in the second half of the year with a stronger focus on billable customer hours. After recording EBITDA of EUR 7.6 million in the first half of the year, EUR 17.8 million was generated in the second half, which is comparatively stronger due to seasonal effects.

    Sales revenues rose in all international companies: Austria and Turkey were able to generate operating profit, unlike in the previous year. The development of the cross-sector in|sure product family for insurance companies continues to be positive. The additional sector solutions for private health insurance and property insurance were completed on time. New orders were received for the first time in each segment. In total, the operating result (EBITDA) rose by 8 % to a new record of EUR 25.4 million.

    Depreciation and amortisation increased disproportionately by 29 % to EUR 8.2 million in comparison with sales owing to investments in equipment for the new and expanded offices and the depreciation and amortisation from purchase price allocations from the UnitCon acquisition. Income from investments was reduced by half to EUR 0.2 million due to the investment in the startup With an arithmetical tax rate of 32 %, consolidated profit totalled EUR 11.3 million (previous year, particularly positively influenced by tax effects: EUR 12.6 million) and earnings per share was EUR 1.79. Liquid assets came to EUR 46.5 million as of the reporting date (previous year: EUR 43.1 million). Net liquidity (liquidity less financial liabilities) increased by EUR 5.3 million to EUR 0.3 million.

    For 2018, adesso projects an increase in sales revenues of at least 9 % to over EUR 350 million. The market environment, the continuation of the key customer relationships and order intake are expected to be positive. The pipeline is promising for the "Life", "Health" and "Property" sectors of the in|sure product family. The purchase and integration of the FABIS commission settlement software provides further impetus. At the same time, investments in the development of new, additional cross-sectional and specialist components will be significantly increased in 2018. The same applies to FirstSpirit. Through the continuation of growth and a stronger focus on billable customer hours, we still expect the operating earnings (EBITDA) to grow by at least 9 % to over EUR 27.7 million. With the opening of offices in other European cities, the time has come to cautiously and deliberately set up further subsidiaries. The current M&A strategy will continue to be pursued in 2018.

    The annual report and tables comparing key performance figures over previous reporting periods, are available at in the Investor Relations section.*adesso Group*

    With over 2,700 employees and annual sales of EUR 321.6 million in 2017, adesso Group is one of the largest German IT service providers and has outstanding opportunities for growth. At its own locations in Germany, Austria, Switzerland, Turkey, USA and the UK as well as at numerous customer sites, adesso offers consulting and software development services for optimising core business processes. adesso also offers ready-to-use software products for standard applications. The development of an own, industry-specific product-portfolio opens up additional growth and earnings opportunities and is another key element of the adesso strategy. 2016 and 2018, adesso was awarded as the best employer in the german IT-sector.
    Martin Möllmann
    Manager Investor Relations
    Tel.: +49 231 7000-7000
    E-Mail: --------------------

    03.04.2018 Dissemination of a Corporate News, transmitted by DGAP - a service of EQS Group AG.
    The issuer is solely responsible for the content of this announcement.

    The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases.
    Archive at --------------------

    Language: English
    Company: adesso AG
    Stockholmer Allee 20
    44269 Dortmund
    Phone: +49 231 7000-7000
    Fax: +49 231 7000-1000
    ISIN: DE000A0Z23Q5
    WKN: A0Z23Q
    Listed: Regulated Market in Frankfurt (General Standard); Regulated Unofficial Market in Berlin, Dusseldorf, Hamburg, Stuttgart, Tradegate Exchange; London
    End of News DGAP News Service Reported by EQS Group 18 hours ago.

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    Sabal Insurance finds customized solutions for clients with alternative risk management and aids them in the move beyond fully insured contracts provided through the “Big Five” carriers.

    FORT LAUDERDALE, Fla. (PRWEB) April 03, 2018

    Sabal Insurance finds customized solutions for clients with alternative risk management and aids them in the move beyond fully insured contracts provided through the “Big Five” carriers.

    In order to cater to clients’ unique needs, Sabal insurance operates by looking for non-traditional avenues to contain costs, control pricing power, and provide high-quality healthcare for client’s employees.

    Helping their clients move all along the risk spectrum, Sabal finds customized solutions based on each client’s individual risk tolerance and capabilities. The Sabal Benefits consultancy team finds the best third-party administrator (TPA) to administer claims for each company.

    Sabal recently found a non-traditional plan for Chemo International, a Canadian-owned chemical exporter located in Miami. With traditional health insurance continuing to increase, the general manager of the company, Joost Sajet, was in search of a way to control costs while still offering a comprehensive benefit suite. After assessing the needs of Chemo International, the Sabal team found an insurance option that met all the needs of the client.

    Gran LeCompte, a member of the Sabal Benefits team in Fort Lauderdale, found a more transparent and less expensive model of health insurance for Chemo International focused on the use of Reference Based Pricing.

    Unlike most deals between providers and insurers, the negotiated rates in reference-based pricing aren’t kept secret. In addition to being more transparent than traditional insurance, reference-based pricing can save companies significant premium dollars. At Chemo International, the savings were approximately $150,000 in the first year with the new Sabal plan.

    With rising healthcare costs, Sabal Insurance is committed to finding the best solutions for businesses offering their employees benefits plans.

    “The creative application of these benefit programs is yet another example of using the newest offerings in the insurance sphere for the benefits of Sabal clients nationwide. We expect the sale and implementation of reference based plans to account for a significant amount of growth for Sabal Benefits in 2018 and beyond,” said Ian Norris, president of Sabal Insurance Group.

    Sabal serves a diverse client base that spans North America, Europe, and Latin America from their headquarters in Fort Lauderdale, Florida. Founded in 2004 by Ian Norris, Sabal Insurance Group is an independent insurance broker, specializing in the development of innovative insurance solutions for both commercial and personal needs. Sabal Insurance group is devoted to reducing clients’ insurance costs while improving their insurance coverage. For more information, visit the Sabal Insurance group website where you can request a quote today. Reported by PRWeb 17 hours ago.

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    Labor says it is only considering removing the private health insurance rebate - an average 27 per cent discount - from "junk" policies and nothing else. Reported by Brisbane Times 16 hours ago.

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    Promoting pet health and wellness, Embrace Pet Insurance explores tax deductions for dogs and cats.

    CLEVELAND (PRWEB) April 03, 2018

    Can pet owners claim their dog or cat on their taxes? The answer is, yes—but only in specific instances. With Tax Day less than two weeks away, many people are searching for every deduction possible. Embrace Pet Insurance compiled a list of six pet-related areas that could possibly see a deduction.

    Tax Deductions for Pets
    Though a pet cannot be claimed as a dependent on their owner's U.S. taxes, the IRS does grant certain tax deductions for dogs and other pets. Embrace has pulled together some helpful tax deductions for pet owners.

    1. Business Animals
    Typically dogs that work as a security measure for a business fall into the category of business animals. While they may be considered pets by their owners, these working dogs often live at the business 24/7 instead of in the owner’s home. A cat "employed" for rodent control at a business may also qualify. Owners of business animals may be able to deduct expenses like food, veterinary care, and training related to the animal’s job. Animals that generate income for their owners, such as performing animals, may be part of this category as well. Performing animals appear in commercials, movies, television, print ads, and other related industries.

    2. Shipping Household Pets During a Move
    Many people dislike moving, and typically pets agree. Moving may not be fun, but there could be some compensation come tax time. According to IRS Publication 521 it’s possible to deduct the cost of shipping a pet to a new home when filing for annual taxes.

    3. Donations to Pet-Related Charities
    Adoption fees to a rescue organization or local shelter are not tax deductible. However, donations made to the rescue/charitable organization for which no goods or services are received may be deductible.

    4. Foster Pets
    Offering a loving home for abused, neglected, and abandoned animals means providing more than just shelter. Families who foster dogs and other animals can incur several expenses each year. Expenses range from food, medications, supplies, and even travel costs. Bankrate states, “Unreimbursed expenses for fostering a pet for an IRS qualified 501(c)(3) adoption organization can be deducted.” Deductions include food, supplies, and veterinary bills, plus up to 14-cents per mile for trips made to further the shelter’s work.

    5. Pet-related Hobby Expenses
    Pet parents who enjoy entering their pets in dog, cat, or horse shows as a hobby may be able to make a deduction under hobby expenses if the pet owner received earnings from it.

    6. Service Animal Expenses
    The category for service animals is broad, as are the potential tax deductions. Service dog expenses are tax deductible as noted in IRS Publication 502, deductions are available for individuals requiring a guide dog for vision or hearing impairments. These deductions may include expenses incurred when purchasing the animal as well as training fees or any veterinary expenses. Pet owners diagnosed with a condition that benefits from the help of a trained therapy animal may also find deductions.

    Volunteers who are raising and/or training service or therapy dogs for an IRS recognized charity, such as Canine Companions for Independence, qualify for tax deductions. These deductions include basics like food and supplies, as well as medications and veterinary visits.

    According to the Insurance Information Institute, annual routine veterinary costs for a dog are about $257, and almost double that for surgical expenditures. Vet costs for a cat average a bit lower at about $182 for routine visits. Unfortunately, the IRS doesn’t allow deductions for pet veterinary expenses regarding animals who don’t fall into categories such as service, therapy, or business animals.

    Often time, pet owners have pet insurance to protect their household finances in case of unexpected accidents and illnesses because most pets are not tax deductible. “Having pet insurance is like having a safety net for unplanned veterinary bills,” says Dawn Pyne, Marketing Manager for Embrace Pet Insurance. “It provides pet owners with peace of mind that if the unexpected happens, their pet is covered.”

    While pet owners can claim pets on taxes, the deductions are specific, and many household pets simply do not meet the criteria set by the IRS. However, if the requirements for certain deductions are met, be sure to save all receipts throughout the year to provide proof of expenses. If ever there is uncertainty about pet deductions, consult a trusted tax professional.

    About Embrace Pet Insurance
    Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan that is underwritten by American Modern Insurance Group, Inc. In addition to insurance, Embrace offers Wellness Rewards, an optional preventative care product that is unique to the industry. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace is a proud member of the North American Pet Health Insurance Association (NAPHIA) and continues to innovate and improve the pet insurance experience for pet parents across the country. For more information about Embrace Pet Insurance, visit or call (800) 511-9172. Reported by PRWeb 15 hours ago.

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    When the hospital thought Annette Alexander's daughter was uninsured, she was billed $821. Once it realized that she had insurance, the price went up - to $1,214. Reported by 14 hours ago.

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    The U.S. Department of Labor recently announced a Notice of Proposed Rulemaking (NPRM) to expand the opportunity of offering employment-based health insurance to small businesses through Small Business Health Plans. MEWA Association of America, a newly formed trade association promoting the interests of self-insured MEWAs, has provided its response to the NPRM.

    ALISO VIEJO, Calif. (PRWEB) April 03, 2018

    The U.S. Department of Labor recently announced a Notice of Proposed Rulemaking (NPRM) to expand the opportunity of offering employment-based health insurance to small businesses through Small Business Health Plans, also known as Association Health Plans. The NPRM was published in the Federal Register on Jan. 5, 2018, and was available for public comment for 60 days, or until March 5. 

    MEWA Association of America (MAA) is a newly formed trade association promoting the interests of self-insured MEWAs (AHPs). Many MEWAs have successfully operated for decades, and some for over 30 years. The legal mechanism to create a self-insured AHP is a Multiple Employer Welfare Arrangement (MEWA). MEWAs can be fully insured as well; however, when referred to hereafter, we are restricting our comments to self-insured MEWAs.

    MEWAs were created under the amendments to the Employee Retirement Income Security Act (ERISA) in 1983. ERISA now allows employers to form self-insured health plans through their business associations, which are re-insured by insurance companies, thereby providing adequate protections against insolvency.

    MAA’s response was authored by William Megna, trustee and General Counsel of MAA, and David Wilson of Windsor Strategy Partners, an actuarial firm.

    MAA’s response is as follows: 

    We advocate allowing AHPs to cross state lines regardless of whether they have a common interest (same trade or industry) or have no common interest, such as a Chamber of Commerce. We believe those entities who are qualified should be able to cross state lines, thereby offering health insurance to small businesses for potentially 20 to 50% savings. AHPs can amalgamate large amounts of lives, which increases the spread of risk and drives down the cost of coverage. 

    Single proprietors are hurt worst by high-cost health insurance and should be allowed to join AHPs. There are vagaries in the regulations as to whether one-person businesses or working owners are allowed to join AHPs. We asked the department to clarify this.

    Class exemption – At its discretion, the DOL may grant a class exemption to self-insured MEWAs, which we, at MAA, have requested. This allows AHPs to cross state lines and implement most of what we recommend in our response. We also offer a framework on how to regulate AHPs. Mr. Megna coined the phrase FQMs, or Federally Qualified MEWAs. 

    MAA has the same goal as the Administration to offer multiple health insurance options via qualified Association Health Plans across state lines, thereby helping small businesses lower their health insurance costs. Click here for MAA’s complete response.

    For more information contact William Megna at 844-777-6392 or email To join MAA, contact Bill Dyer (Mr. MEWA) at Reported by PRWeb 14 hours ago.

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    Humana Inc. joined a potent group of health care companies to look into creating a massive database of provider information with blockchain technology. Louisville-based Humana (NYSE: HUM) has partnered with UnitedHealthcare and Optum — both subsidiaries of Minnetonka, Minn.-based UnitedHealth Group Inc. (NYSE: UNH) — as well as New York City-based health insurance service provider MultiPlan Inc. and Seaucus, N.J.-based laboratory diagnostics firm Quest Diagnostics Inc. (NYSE: DGX) in the venture.… Reported by bizjournals 11 hours ago.

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