New 2018 ez1095 ACA Software From Halfpricesoft.com Offers Easy XML Validation For Efiling

January 7, 2019, 2:04 am

≫ Next: Retire in Panama Tours Opens for Business

≪ Previous: Oregon health insurance signups through federal website down

Latest ez1095 2018 ACA software supports XML Validation to the IRS for business owner peace of mind. Test drive for up to 30 days with no obligation at halfpricesoft.com.

CHARLOTTE, N.C. (PRWEB) January 07, 2019

The latest 2018 ez1095 ACA software from Halfpricesoft.com offers a simple XML validation process. By using the validation process before sending the forms to the IRS forms will not be rejected. The 1095C, 1094C, 1095B and 1094B forms for the upcoming tax season have been implemented and approved by the SSA to print on plain white paper for those wanting to print instead of efiling.

ez1095 software offers customers a user-friendly graphic interface and Windows menus to make the software quick and easy to set up, use and understand. Priced from just $195 per installation, ($295 for efile version)

ez1095 ACA software can easily support multiple company accounts on the same computer at no additional charge. This is essential for those business owners with multiple companies that need the forms filed.

“The new ez1095 2018 software for printing ACA forms offers and easy XML validation process for peace of mind.” said Dr. Ge, the Founder of Halfpricesoft.com.

Customers that need to file Form 1095C, 1094C, 1095B and 1094B can download and try out this ACA software from halfpricsoft.com before purchasing with no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

The main features include but are not limited to :· Print ACA Form 1095-C, 1094-C, 1095-B and 1094-B on white paper for recipients and IRS with inkjet or laser printer.
· PDF print 1095-C and 1095-B recipient copies
· Efile version available at additional cost.
· Support unlimited companies.
· Support unlimited number of recipients.
· Print unlimited number of 1095 and 1094 forms.
· Fast data import feature
· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance
· Print Form 1094 C: Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns
· Print Form 1095-B: Health Coverage
· Print Form 1094-B: Transmittal of Health Coverage Information Return

ez1095 software is compatible Windows 10, 8.1, 8, and 7. Designed with simplicity in mind, ez1095 software is easy to use and flexible. ez1095 software’s graphical interface leads customers step-by-step through setting up company, adding employees, add forms and print forms. Customers can also click form level help links to get more details regarding the software.

For details about the latest ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com
Halfpricesoft.com is a leading provider of small business software, including online and desktop payroll software, online employee attendance tracking software, accounting software, in-house business and personal check printing software, W2, software, 1099 software, Accounting software, 1095 form software and ezACH direct deposit software. Software from halfpricesoft.com is trusted by thousands of customers and will help small business owners simplify payroll processing and streamline business management. Reported by PRWeb 5 hours ago.

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Retire in Panama Tours Opens for Business

January 7, 2019, 5:04 am

≫ Next: China In-Vitro Diagnostics (IVD) Market 2007-2017 & 2018-2024: Cost Factor Restricts the Contribution of Global IVD Companies in the Chinese IVD Market

≪ Previous: New 2018 ez1095 ACA Software From Halfpricesoft.com Offers Easy XML Validation For Efiling

Retire in Panama Tours, a newly launched company headquartered in Boquete, Chiriquí, Panama, provides relocation tours for prospective expats considering a move to or retire in Panama.

BOQUETE, Panama (PRWEB) January 07, 2019

Retire in Panama Tours focuses on providing a comprehensive portfolio of experiences in the country and education on key relocation matters so that those considering a move to Panama are equipped with the information they need to make an informed decision and experience a smooth transition.

The tour company offers a seven-day immersive experience across the Panamanian landscape, visiting key relocation communities and cities across the country. The company focuses on providing a comprehensive experience of life in Panama, showing tour guests available living options to suite their lifestyles, whether they prefer city, beach, or mountain living.

In addition to utilizing their knowledge of Panama to guide guests’ tours across the country, Retire in Panama’s guides and relocation experts are equipped to educate guests on the steps necessary to retire in the country, as well as key facts about the economy, health care, and finances required for a successful expat relocation experience. The tour also includes meetings with current expats living in the country, immigration attorneys and health insurance experts, so clients get an honest look into life as an expat in Panama.

Retire in Panama Tour’s seven-day Panamanian experience’s costs include airport pickup and drop of at the hotel; seven nights hotel lodging expenses; three meals a day, including tips; tour transportation; entry fees for excursions; and a domestic flight back to Panama City. Program staff are on hand to assist with making travel arrangements. To find out more about Retire in Panama Tours or to book a tour, visit their website at https://www.retireinpanamatours.com/

About Retire in Panama Tours
Retire in Panama Tours is a tourism company formed in 2018 by Oscar Peña and Rod Larrivee to provide immersive Panamanian experiences geared toward helping future expats move or retire to Panama. Peña is a native Columbian who has been in the tourism and hospitality business for more than 15 years, which in the last ten he has called Panama home, In Panama he has owned a tour company, coordinated a volunteer program, and has given many private tours to expats relocating to Panama, Peña is a volunteer with Panama’s SINAPROC program (search and rescue), he currently sits on the board of directors of the Boquete Community Players, and is a member of the board of the Boquete Chamber of Commerce. He is often interviewed by the media for his expertise on tourism in Panama.

Larrivee is an expat from Vancouver, Canada with a long professional background in building successful Internet technology companies and served as the owner and President of a large publishing company and social media company for books based out of Austin, TX. He relocated to Panama in 2011 to provide on-ground support for his Austin company and eventually retired and stayed in Panama, befriending Peña and pursuing their mutual interests in tourism. Larrivee acts as Retire in Panama Tour’s IT and logistics coordinator.

Peña and Larrivee are also the co-owners of Boquete Ning, the largest online community of expats in Panama. Find out more about Retire in Panama Tours online at https://www.retireinpanamatours.com/ Reported by PRWeb 2 hours ago.

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China In-Vitro Diagnostics (IVD) Market 2007-2017 & 2018-2024: Cost Factor Restricts the Contribution of Global IVD Companies in the Chinese IVD Market

January 7, 2019, 8:07 am

≫ Next: Zuckerberg San Francisco General Hospital is being criticized for leaving some patients with surprisingly big medical bills

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Dublin, Jan. 07, 2019 (GLOBE NEWSWIRE) -- The "China In-Vitro Diagnostics (IVD) Market, By Diagnostics, and Companies" report has been added to *ResearchAndMarkets.com's* offering.

China In-Vitro Diagnostics (IVD) Market is projected to exceed US$ 12 Billion by the end of year 2024

China In-Vitro Diagnostics (IVD) Market is growing significantly and is expected to continue its ongoing trend during the forecast period as well, owing to rapidly increasing middle class population who is now willing to pay more for better healthcare services and aging population who are more vulnerable to contagious diseases. Also, Chinese aging population is experiencing an outburst of chronic diseases which includes cancer, diabetes and cardiovascular disease. All of these diseases can be diagnosed and monitored using IVD products.

In addition; some other factors which can be attributed to China IVD market include growing prevalence of chronic lifestyle and infectious diseases, public health awareness, transformation of medical models, increasing demand of tests from the rural areas and support from the Chinese government to provide better healthcare infrastructure throughout the nation.

*Profiles of Companies Covered in the Report:*· Roche Diagnostics
· Sysmex Corporation
· Mindray Medical International Limited
· Shanghai Kehua Bio-Engineering Co. Ltd.
· Abbott Laboratories

*Profiles of Private Clinical Labs and Diagnostic Services Companies in China*

· Zhejiang Di'an Diagnostics Technology Co., Ltd
· ADICON Clinical Laboratories
· Guangzhou Kingmed Diagnostics Center Co. Ltd.
· Kindstar Global (Privately held)
· BGI-Shenzhen (Privately held)
· OriGene Technologies (Privately held)

*Key Topics Covered:**1. Executive Summary*

*2. China IVD Market (2007 - 2024) *

*3. Market Share - China In Vitro Diagnostics (IVD) (2011 - 2024) *
3.1 Segments - China IVD
3.2 Companies - China IVD

*4. Segments - China IVD Market (2007 - 2024) *
4.1 Clinical Chemistry Market
4.2 Immunoassay Market
4.3 Hematology Market
4.4 Coagulation Market
4.5 Microbiology Market
4.6 Molecular Diagnostic Market
4.7 Self Monitoring of Blood Glucose (SMBG) Market
4.8 Point of Care Testing (POCT) Market

*5. Development Environment of Chinese IVD Industry*
5.1 Healthcare Reforms
5.2 Improving Quality at Grass - Root Level
5.3 Embracing Technology

*6. China: Health Insurance and Reimbursement Policies*
6.1 Health Insurance System
6.1.1 Basic Medical Insurance
6.1.2 Insurance for Other Groups
6.1.3 Rural Medical Insurance
6.1.4 Private Health Insurance
6.2 Reimbursement Rules
6.2.1 Device Reimbursement
6.2.2 Reimbursement for In - Vitro Diagnostics (IVDs)

*7. Registration of In Vitro Diagnostic Reagents in China*
7.1 Registration and Filing
7.2 Filing Obligation for Clinical Trials
7.3 Clinical Trial Institutions
7.4 Elimination of IVD Loophole for Research
7.5 Change of Manufacturing Address
7.6 Change of Main Supplier of an Antigen or Antibody
7.7 Update on China In - Vitro Diagnostics Registration
7.7.1 IVD Product Registration in China
7.7.2 China IVD Type Testing Process
7.7.3 Clinical Trials for IVD Products in China

*8. Medical Devices and Reagents Class Registration in China*
8.1 Process of Medical Device Registration in China
8.2 Classification of In - vitro Diagnostic Reagents in China
8.2.1 Class III: Highest Risk
8.2.2 Class II: Medium Risk
8.2.3 Class I: Lower Risk
8.3 China In - Vitro Diagnostics Reagents
8.3.1 Blood Screening Reagents - Drug Administration
8.3.2 Varieties of Blood Screening Reagents
8.3.3 Blood Screening Reagent Test
8.3.4 Nucleic Acid Detection Kits for Blood Screening
8.3.5 Radioactive Reagents - Drug Administration
8.3.6 Diagnostic Reagents - Medical Devices Management

*9. China IVD Industry Drivers*
9.1 Increasing Demand from Middle Class for High Quality Healthcare Products
9.2 Rising Incidences of Lifestyle Diseases in China
9.3 Growth in Private Hospitals & Independent Diagnostic Centers
9.3.1 Increasing the Number of Hospital Beds across all Medical Institutions

*10. China IVD Industry Challenges*
10.1 Chinese Local Firms Lack of Expertise in Advanced Technology
10.2 Cost Factor Restricts the Contribution of Global IVD Companies in the Chinese IVD Market
10.3 Reimbursement Rates varies from Province to Province in China
10.3.1 Chinese Government Regulating Laboratory Testing in China

*11. Company Sales Analysis (2011 - 2024) *
11.1 Roche Diagnostics - China IVD Sales & Forecast
11.2 Sysmex Corporation - China IVD Sales & Forecast
11.3 Mindray Medical International Limited - China IVD Sales & Forecast
11.4 Shanghai Kehua Bio - Engineering Co. Ltd. - China IVD Sales & Forecast
11.5 Abbott Laboratories - China IVD Sales & Forecast
11.6 Others - China IVD Sales & Forecast

*12. Profiles of Select Private Clinical Labs and Diagnostic Services Companies*
12.1 Zhejiang Di'an Diagnostics Technology Co., Ltd.
12.1.1 Products and Services Offered by Di'an
12.2 ADICON Clinical Laboratories (Privately held)
12.2.1 Products and Services Offered by ADICON
12.3 Guangzhou Kingmed Diagnostics Center Co. Ltd.
12.3.1 Products and Services Offered by Kingmed
12.4 Kindstar Global (Privately held)
12.4.1 Products and Services Offered by Kindstar
12.5 BGI - Shenzhen
12.5.1 BGI's Innovative Approach
12.6 OriGene Technologies
12.6.1 Products and Services Offered by OriGeneFor more information about this report visit https://www.researchandmarkets.com/research/h97h5s/china_invitro?w=12

Research and Markets also offers Custom Research services providing focused, comprehensive and tailored research.

CONTACT:
CONTACT: ResearchAndMarkets.com
Laura Wood, Senior Press Manager
press@researchandmarkets.com
For E.S.T Office Hours Call 1-917-300-0470
For U.S./CAN Toll Free Call 1-800-526-8630
For GMT Office Hours Call +353-1-416-8900
Related Topics: In Vitro Diagnostics Reported by GlobeNewswire 4 hours ago.

↧

Zuckerberg San Francisco General Hospital is being criticized for leaving some patients with surprisingly big medical bills

January 7, 2019, 9:55 am

≫ Next: Is it fair to criticize Mark Zuckerberg for the controversial billing practices of the San Francisco hospital named after him?

≪ Previous: China In-Vitro Diagnostics (IVD) Market 2007-2017 & 2018-2024: Cost Factor Restricts the Contribution of Global IVD Companies in the Chinese IVD Market

Zuckerberg San Francisco General Hospital is being criticized for leaving some patients with surprisingly big medical bills

· Zuckerberg San Francisco General Hospital is being criticized after a Vox article detailed how its insurance practices are leaving some patients with high emergency room bills.
· The public hospital is considered 'out-of-network' for all private insurance holders — meaning patients involved in traumatic events are often blindsided by its billing practices after being taken to the hospital via ambulance.
· In 2015, the hospital was renamed after Facebook founder Mark Zuckerberg when he and his wife Priscilla Chan donated $75 million.
· Zuckerberg does not have an impact on day-to-day operations at the hospital, though his likeness is often closely associated with it and the hospital now bears his name.

One woman who was hit by a car while riding her bike was unable to answer basic questions when taken to the emergency room at Zuckerberg San Francisco General Hospital. Months later, she received a five-figure bill.

Another woman fell and broke her ankle while rock climbing. She has now hired an attorney and is fighting a $31,250 bill she received from ZSFG after a one-day stay.

These stories and others are detailed in a new Vox report about how the Zuckerberg San Francisco General Hospital is being criticized for sometimes blindsiding patients with large emergency room bills because of its insurance and billing policies.

The hospital was named after the Facebook founder Mark Zuckerberg and his wife, Priscilla Chan, in 2015 after the couple made a $75 million donation. The money was used to build a trauma center, which opened in 2016. And though Zuckerberg himself does not have an impact on the day-today operations of the hospital, it is largely associated with his likeness due to its name.

The public hospital claims to serve one in five city residents, according to the Vox report, though is considered "out of network" to all those who are privately insured. This means it doesn't accept the kind of health insurance coverage that most people get through their jobs, which can leave people with large bills if they go there for care.

In the article, a spokesman said this is fairly common for public hospitals serving folks who are generally "underserved."However, according to a 2017 study quoted in the piece, this practice is highly unusual for a renowned trauma center. But it's not unheard of.

That is how Nina Dang, 24, the woman featured in the Vox piece, ended up with a five-figure bill after getting hit by a car while riding her bike. Upon arrival to ZSFG, doctors performed an X-Ray of Dang's arm and a CT scan of her brain and spine. She was sent home with medication and was told to see an orthopedist. Months later, a $20,243.71 came in the mail.

A similar situation happened to Alexa Sulvetta when she broke her ankle after falling from a rock-climbing wall. The hospital was not in her network, and after a one-day stay she was billed $31,250.

It is more common for doctors to be out of network, not entire emergency rooms — especially not one boasting that it is the "busiest" in the city the piece concludes. Zuckerberg Hospital also holds the title for the longest average emergency room wait time out of all San Francisco hospitals — at 54 minutes, according to ER Wait Watcher, a tool developed by ProPublica.

ZSFG did not immediately respond to requests for comment made by Business Insider on Monday morning.

The entire feature on the Zuckerberg San Francisco General Hospital is worth a read — head on over to Vox for the deep dive.

Join the conversation about this story »

NOW WATCH: I'm a diehard iPhone user who switched to Android for a week — here's what I loved and hated about the Google Pixel 3 XL Reported by Business Insider 2 hours ago.

↧

Is it fair to criticize Mark Zuckerberg for the controversial billing practices of the San Francisco hospital named after him?

January 7, 2019, 2:37 pm

≫ Next: DFV: Henkel cooperation is on schedule - 100,000 new customers targeted in 2019

≪ Previous: Zuckerberg San Francisco General Hospital is being criticized for leaving some patients with surprisingly big medical bills

Is it fair to criticize Mark Zuckerberg for the controversial billing practices of the San Francisco hospital named after him?

· The billing practices of the Zuckerberg San Francisco General Hospital are under fire after a Vox article detailed how some privately insured patients have been surprised to receive a bill as high as five figures.
· The public hospital was named after Facebook founder Mark Zuckerberg and his wife, Priscilla Chan, after the couple made a $75 million donation in 2015 to build a trauma center.
· Some people are now criticizing Zuckerberg himself on social media, despite the fact that he has no impact on the day-to-day operations of the hospital.

People are criticizing Mark Zuckerberg for the billing practices of a San Francisco-based hospital named after him that has reportedly left some privately insured patients with five-figure debts.

Zuckerberg San Francisco General Hospital, formerly called San Francisco General Hospital, was named after the Facebook founder in 2015 after he and his wife, Priscilla Chan, made a $75 million donation. However, Zuckerberg himself has no impact on the day-to-day operations, though it is largely associated with his likeness.

Emergency room bills reviewed by Vox detailed how the hospital is considered "out-of-network" for those with private insurance. This means it doesn't accept the kind of health-insurance coverage that most people get through their jobs, which can leave people with large bills if they visit the hospital for care — for example, one woman ended up with a $31,250 bill for a broken ankle.

On social media, some people have been criticizing the Facebook founder for the hotel's policies, showing just how sticky it can be to have a hospital with your name on it.

Can you imagine putting your name on a hospital, giving them $75m & then giving a no comment when your namesake price gouges your community?

Of course not, but #zuckerberg did.

What’s the point of having tens of billions of dollars if you make the world worse? Seriously @finkd https://t.co/wkiYfUL592

— jason 🦄🦄🦄🦄🦄🦄 (@Jason) January 7, 2019

But the crucial context is that Zuckerberg is not currently involved in implementing policy at the hospital. The public hospital, in its own words, is there to serve those who are "underserved" by only accepting public health coverage (i.e. Medicaid, Medicare, and all the programs that fall underneath), according to the Vox report.

The perils of naming rights https://t.co/SfZiyRZR74

— nilay patel (@reckless) January 7, 2019

The fact that Mark Zuckerberg is getting flak for the billing practices of SF General is just amazing. Dude gave $75m for a $1bn+ renovation (ie he bought some equipment). He’s not setting policy. https://t.co/UW9ZYezGNa

— Julia Carrie Wong (@juliacarriew) January 7, 2019

In fairness, Zuckerberg gave this public hospital $75 million and got his name stuck on it. He has no financial interest in it.

It’s a huge public hospital that put itself out of network for all insurers - the less sexy reality.
But don’t let that stop the click baiting. https://t.co/EGm6sfi8wm

— Quentin Hardy (@qhardy) January 7, 2019

Yes, "the less sexy reality," as one Googler put it, is far more nuanced. But with his name front and center on the hospital, the Facebook CEO has found himself in this position before. Take for example just last month, when a San Francisco politician asked the city attorney to remove Zuckerberg's name from the hospital amid Facebook's latest privacy scandal.

This damning story by @sarahkliff underscores how much of what we think of as a “marketplace” for medical services is simply a fiction. When you’re incapacitated, you can’t make the informed choices about hospitals that you can with brands of yogurt. https://t.co/f2WWv7Qmgv

— Brian Fung (@b_fung) January 7, 2019

I am really confused about this. If you refuse to work with any insurers, then how can you rely on those with insurance to cover the costs of the hospital?

You aren't relying on their insurance. You're relying on the hope they have enough personal wealth to cover the bill. pic.twitter.com/s6kqzDYB1k

— Romancing the Nope (@RomancingNope) January 7, 2019

Thread 👇

I have spent a year reading emergency room bills. I've read about 1,200 of them.

A few months ago, I noticed that one hospital had bills that were *really* different from the rest: Zuckerberg San Francisco General. (1/11)https://t.co/XjHpmZq3i9

— Sarah Kliff (@sarahkliff) January 7, 2019

Though, the fact remains: denying all private insurance is quite rare and, frankly, frowned upon by many healthcare advocates.

The Vox report examines how when someone is involved in a traumatic accident near Zuckerberg Hospital, they are most likely going to be taken there — potentially without recollection or the ability to search for an in-network provider — making it more likely they will be surprised when the bill comes in the mail.

It's a valid concern, and some politicians are already looking into how to combat these "surprise" ER bills, but that's a different discussion than as to whether Zuckerberg is to blame for patient experiences at the hospital he donated to.

Wait, Mark Zuckerberg doesn’t run the billing department at San Francisco General Hospital?

— Nu Wexler (@wexler) January 7, 2019

And finally, in case the answer to that sarcastic question wasn't clear — no, Zuckerberg doesn't control what gets billed and how much.

Sarah Kliff, writer of the Vox piece, explains in her reporting how she found the city of San Francisco, or more pointedly, the city's Board of Supervisors, is the one setting the prices.

If you're a San Francisco resident frustrated with how Zuckerberg General is billing, a lot of your frustration should really rest with the city board of supervisors.

You should also know that SF Board of Supervisors President Malia Cohen declined to comment for my story. (6/6)

— Sarah Kliff (@sarahkliff) January 7, 2019

Join the conversation about this story »

NOW WATCH: How Singapore solved garbage disposal Reported by Business Insider 21 hours ago.

↧

DFV: Henkel cooperation is on schedule - 100,000 new customers targeted in 2019

January 8, 2019, 1:29 am

≫ Next: Cigna-HealthSpring Adds JenCare Senior Medical Center to Atlanta Network

≪ Previous: Is it fair to criticize Mark Zuckerberg for the controversial billing practices of the San Francisco hospital named after him?

DGAP-News: DFV Deutsche Familienversicherung AG / Key word(s): Expansion

08.01.2019 / 10:21
The issuer is solely responsible for the content of this announcement.
--------------------
Frankfurt a.M., January 8, 2019 - The cooperation announced last year with Henkel, IG BCE (Industriegewerkschaft Bergbau, Chemie, Energie [Industrial Mining, Chemistry, Energy Union]) and the listed Insurtech DFV Deutsche Familienversicherung AG (DFV) was successfully launched on January 1, 2019. The insurance product is HenkelCareFlex, a long-term care insurance. DFV is the product provider and risk-carrier. Henkel offers all of its approximately 9,000 employees and trainees in Germany basic long-term care insurance - without health checks or waiting times. In addition to basic coverage, employees can supplement this long-term care insurance individually and also include family members - life partners, children, parents and parents-in-law.

*Insurtech implements potential industry solution *

With HenkelCareFlex, Henkel and IG BCE offer exemplary solutions for employees in accordance with collective agreements. In collaboration with IG BCE and DFV, Henkel was the first company in Germany to develop a company long-term care insurance scheme as part of a social partner model. Dr. Stefan M. Knoll, Chief Executive Officer of DFV Deutsche Familienversicherung AG: "The cooperation with Henkel and the insurance product HenkelCareFlex illustrate DFV's expertise in implementing social partnership models. In addition, the exclusive partnership with IG BCE opens up industry solutions based on collective bargaining agreements. This model is a prime example for us for further potential cooperations in this segment."

DFV, a listed insurtech company, has received numerous awards from independent institutions for its flexible long-term care insurance. Most recently by Stiftung Warentest with the highest ranking mark of 1.6 ("good") as test winner. With the increasing realization that long-term care is the greatest socio-political challenge, an enormous potential for long-time care insurance is in the process of developing. The company sees enormous potential in the sale of long-term care insurance in Germany.

*100,000 new customers targeted in 2019*

Within the scope of the cooperation with Henkel, several thousands of contracts were already concluded at the start of the year. In addition, numerous Henkel employees with basic insurance coverage have already taken advantage of the opportunity to increase their coverage or to include family members in their own insurance coverage. "Insurance cooperations such as HenkelCareFlex are highly scalable both in terms of mandatory as well as facultative contracts. This is yet another reason why we are convinced that we will achieve our ambitious target of 100,000 new customers in 2019," says Dr. Stefan M. Knoll.

*About DFV Deutsche Familienversicherung AG*

DFV Deutsche Familienversicherung AG (ISIN DE000A0KPM74), the first listed Insurtech company in Europe, was founded in 2007 as an insurance start-up with the aim of offering insurance products that people really need and immediately understand ("Simple. Reasonable"). DFV Deutsche Familienversicherung AG is known for its award-winning health insurance (dental, health and long-term care insurance) as well as accident and property insurance. On the basis of the modern and scalable IT system developed in-house, the company is setting new standards in the insurance industry with consistently digital product designs and the option of taking out policies via digital language assistants. Further information at: www.deutsche-familienversicherung.de

Contact:
Lutz Kiesewetter
Head of Coporate Communications & IR
Telefon: +49 69 74 30 46 396
Telefax: +49 69 74 30 46 46
E-Mail: lutz.kiesewetter@deutsche-familienversicherung.de --------------------

08.01.2019 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 www.dgap.de --------------------

Language: English
Company: DFV Deutsche Familienversicherung AG
Reuterweg 47
60323 Frankfurt/Main
Germany
Phone: 069 74 30 46 396
Fax: 069 74 30 46 46
E-mail: presse@deutsche-familienversicherung.de
Internet: www.deutsche-familienversicherung.de
ISIN: DE000A2NBVD5
WKN: A2NBVD
Listed: Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Berlin, Dusseldorf, Hamburg, Munich, Stuttgart, Tradegate Exchange

End of News DGAP News Service Reported by EQS Group 10 hours ago.

↧

Cigna-HealthSpring Adds JenCare Senior Medical Center to Atlanta Network

January 8, 2019, 3:30 am

≫ Next: Novus Accomplishments in 2018 Are Precursor to Accelerated Growth for 2019

≪ Previous: DFV: Henkel cooperation is on schedule - 100,000 new customers targeted in 2019

Five-center practice will provide primary, specialty care to Medicare Advantage customers

ATLANTA (PRWEB) January 08, 2019

Cigna-HealthSpring’s Medicare Advantage (MA) customers in or near Atlanta’s Brookhaven, East Point, Morrow, South DeKalb and West End communities have a new option for their medical care with the addition of JenCare Senior Medical Centers to their network, effective immediately.

JenCare operates five centers in Atlanta that provide access to primary care physicians and specialist doctors, including walk-in appointments, expanded hours, frequent and unrushed office visits, on-site medications, labs, X-ray, ultrasound, acupuncture and even door-to-door transportation to those who need it. These convenient JenCare centers are now available to customers in Cigna-HealthSpring’s Preferred (HMO), Premier (HMO-POS) and TotalCare (HMO SNP) plans.

JenCare adheres to the ChenMed approach to high-touch care for Medicare-eligible seniors, that, according to the September American Journal of Managed Care, reduces hospital admissions by 50 percent; decreases health care costs by 28 percent; and improves patient use of preventive medications by up to 41 percent (see AJMC release and abstract). The peer-reviewed journal report shows that JenCare helps MA customers, including those with major and multiple chronic conditions, enjoy more healthy days than MA customers served by standard medical practices.

“As a customer-centric organization, we continue to seek relationships with physician and hospital systems that improve customer access to high-quality care,” said Dr. David Coxe, senior medical director with Cigna-HealthSpring in Georgia. “JenCare’s approach to personalized care helps seniors receive the results-driven care they need, when they need it.”

JenCare Atlanta primary care physicians (PCPs) share their cell phone numbers with their patients. They encourage calls and texts anytime, and they welcome walk-in appointments.

“Thanks to the support of senior-focused carriers like Cigna-HealthSpring, our doctors are empowered to stay focused on delivering service, detecting and managing high-risk diseases, and on reducing hospital sick days,” said Jonathan Flacker, M.D., chief medical officer, JenCare Georgia.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Arizona, Inc., Cigna HealthCare of St. Louis, Inc., HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc. Cigna-HealthSpring complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Cigna-HealthSpring cumple con las layes federales de derechos civiles aplicables y no discrimina por motivos de raza, color, nacionalidad, edad, discapacidad o sexo. English: ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Call 1-800-668-3813 (TTY 711). Spanish: ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-668-3813 (TTY 711). Chinese: 注意：如果您使用繁體/中文，您可以免費獲得語言援助服務請致電 1-800-668-3813 (TTY 711). Other providers are available in our network. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. Cigna-HealthSpring is contracted with Medicare for PDP plans, HMO and PPO plans in select states, and with select State Medicaid programs. Enrollment in Cigna-HealthSpring depends on contract renewal.

About Cigna-HealthSpring
Cigna-HealthSpring is a health services company committed to helping Medicare and Medicaid beneficiaries live healthier, more active lives through personalized, affordable and easy-to-use health care solutions. Cigna-HealthSpring offers a variety of options and services to support healthy aging and meet customers' individual health care needs through personal attention, wellness and preventive care.

About JenCare Senior Medical Centers
JenCare operates five primary care medical practices serving seniors in diverse Atlanta communities (Brookhaven, East Point, Morrow, South DeKalb, and West End). For seniors most in need of care, high-quality health care often is beyond reach. JenCare brings concierge-style medicine — and better health outcomes — to the neediest populations, as evidenced by a five-year report (see release; report) comparing ChenMed outcomes against quality measures reported by the Centers for Medicaid and Medicare Services. The value-based care provider primarily serves seniors with low-to-moderate incomes, most of whom are managing multiple chronic conditions.

JenCare’s (ChenMed’s) mission is to honor seniors with affordable VIP care that delivers better health. To do that, JenCare relies on innovative technology and a talented, resourceful, and compassionate team of providers. Founded by Dr. James Chen, a Taiwanese immigrant and cancer survivor, ChenMed operates more than 50 medical centers in Florida, Georgia, Illinois, Louisiana, Kentucky, Pennsylvania and Virginia. Well-known ChenMed brands also include Chen Senior Medical Center and Dedicated Senior Medical Center. Reported by PRWeb 8 hours ago.

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Novus Accomplishments in 2018 Are Precursor to Accelerated Growth for 2019

January 8, 2019, 5:40 am

≫ Next: De Blasio to Unveil Health Care Plan for Undocumented and Low-Income New Yorkers

≪ Previous: Cigna-HealthSpring Adds JenCare Senior Medical Center to Atlanta Network

*CEO Explains How 2019 is the Breakout Year**MIAMI, FL, Jan. 08, 2019 (GLOBE NEWSWIRE) -- via NEWMEDIAWIRE -- *Novus Acquisition and Development, Corp. (OTC Markets: NDEV), through its wholly owned subsidiary WCIG Insurance Services, Inc., is a diversified insurance entity in health, annuity and accident, and, the nation’s first carrier/aggregator offering a cannabis health plan, is pleased to provide a review of its accomplishments in 2018 and how they are expected to lead to accelerated growth and expansion to its cannabis health insurance business model for 2019.

Novus management has the distinct pleasure to share the Company's milestones to-date and provide new and existing shareholders insight regarding our plans for growth as we seek to expand our business model with a focus on increasing revenue and net asset value.

In reviewing this summary, we will focus on our accomplishments, how they impact the cannabis industry and how they are expected to drive an increase in market share and growth.

*Notable Accomplishments from 2018*

The achievements are expected to be catalysts for accelerated growth in 2019.

*a) Professional Employment Organization (PEO)*:

PEO’s are companies that sell business insurance, employee benefits and administration services on the behalf of employers. During the third quarter of 2018, the emergence of interest from PEO’s saw the value proposition of where they can generate revenue by bundling our cannabis health plans. Our current contract with Alloy Insurance Services targets 50,000 employees looking for alternative benefit plans. We expect to enter into similar contracts with additional PEO’s making our future growth effort productive.

*b) FinTech Alignment*:

We contracted with Revolution Insurance Technologies (RIT), a Silicon Valley FinTech that owns a proprietary digital platform that integrates benefit packages from the world’s top insurance carriers. This partnership assists insurance broker/agent to create customized packages from diverse carriers and bundle those products that meet the needs and price of the customer. To-date we have recruited 450 agencies/brokers/affiliates to educate and sell our cannabis health plans to the consumer and now with RIT, we send them to one platform that will assist them in efficiently adding our product in one bundled quote.

*c)  Increase Enrollments with CBD*:

In 2018, Novus experienced an increase by 20% of CBD enrollments. This was contributed to our contract with U.S. Hemp Wholesale, the country’s leading CBD provider with channels of distribution from the country’s top 20 CBD manufacturers that drop-ship to Novus’ patient /member network.

The growth potential of CBD could be worth $20 billion by 2022.  The future of CBD and its effectiveness is promising with the Federal Farm Bill that was signed into law before Christmas, permitting all states to cultivate hemp. On a regulatory level this is a complex issue since the new law eliminates hemp-derived products from its Schedule I status under the Controlled Substances Act but does not legalize CBD federally. The only exemption is GW Pharmaceutical’s Epidiolex, a pharmaceutical grade of CBD. This action now plays a key part to controlling the barrier of entry for many new CBD products with the cost of research and development contributing to a stronger new market.

*d) Challenges From State And Federal Regulators*:

2018 reflected many challenges to Novus and the cannabis industry, particularly in the following areas:

· Attorney General Jeff Sessions threatened to dissolve the Cole Memo
· Local law enforcement shutting down numerous Michigan dispensaries, and
· Dramatic increase of taxation by state regulators in certain townships in California

However, all three detriments proved to be short-term and resulted in more positive outcomes by the end of 2018. Sessions left office without making any impact on the Department of Justice to enforce marijuana prohibition.

In Michigan, we lost 40% of our in-network dispensaries due to new regulations imposed by the state shutting down many retail locations. However, the state has since issued an additional 50 new licenses for the opening of dispensaries in and around the Detroit area, and they are rapidly becoming in-network providers.

The California tax hike resulted in a positive favor for Novus with an increase of patient members enrollments by 5% in that state, showing that Novus has some resiliency to this adversity with the dexterity to adjust and adapt.

*e)  Expanding Co-Branding Contract: *

Marketing our cannabis health plan continues to be challenging with strict federal and state rules as well as restrictive social media platform guidelines making it a constant task to procure new patient/members.

We overcame this obstacle by executing a contract with Enlighten, a well-known in-dispensary interactive advertising platform that educates the consumer at the point of sale with tailored offerings. Its technology platform is intended to increase revenue and awareness and keep customers engaged on Novus’ suite of health plan packages. Adding this venue to our marketing and advertising mix is estimated to increase patient/ members this year. You’re invited to review our revised benefits packages: http://bit.ly/2PjDvon.

*f)  Third Quarter 2018 Highlights**:*

· 9 consecutive quarters of revenue growth
· Quarterly Gross Revenue increased 27%, three months ended September 30, 2018, as compared to the three months ended September 30, 2017
· Total Gross Revenue increased 30% for the nine months ended September 30, 2018, as compared to the nine months ended September 30, 2017
· Demonstrated 58.5% profit margin pricing structure
· Quarterly Net Income increased 21.1% for the three months ended September 30, 2018, as compared to the three months ended September 30, 2017
· No dilution as total shares outstanding remained unchanged at 98,233,624
· Shareholder equity increased slightly at $1,416,395 net asset value

*We invite you to review the entire filing here: *https://www.otcmarkets.com/stock/NDEV/filings

*g)  Status Of Provider Network*

2018 showed continued growth of cannabis cultivators, manufacturers and retail in our network, by a 12% increase, totaling 320 providers enrolled, of which 173 are actively participating. We believe to see more of these providers become active, as we develop enrollments in their respective areas.

These verticals are experiencing the ever-increasing competitiveness as the cannabis retail market expands. Our goal is to build bridges for those verticals that once turned down to participate in our provider network; these same entities are now seeing Novus’ value by driving a customer base with higher than average monthly cannabis purchases. With proper development this expansion may cover an area that encompasses approximately 30 million people in the United States and another 15 million people in Canada, making Novus Cannabis MedPlan a fundamental to health plans in North America.

*h)  Novus Stock:*

Wall Street experienced increased market volatility and downward pressure toward the end of 2018 that has impacted many sectors, and cannabis is no exception.  Of the top 12 cannabis stocks that have market caps of $400 million or more, only 3 are profitable. Even though Novus trades at a much lower market cap, our sustainability in the public markets is proficient and we trade in what could be considered below valuation despite our profitability and net asset value, in fact we are essentially debt free, aside from the $102,000 that is owed to our CEO.

The outlook for 2019 as the cannabis market continues its acceptability and value in the eyes of retail investors: we are seeing institutional investors entering the market and soon will be a driving force in this sector.

*How Insurance Companies are Evaluated*: Click Here

*In Summary*

Cannabis is in focus from Main Street to Wall Street and around the globe with many countries grasping at the prospects within this lucrative industry. It has been reported large consumer brands partnering with cannabis companies to be able to enter the emerging market opportunity in cannabis, Scott Miracle-Gro, Altria and Constellation Brands to name a few.

Also, there is a confidence in the cannabis sector by many prominent entrepreneurs, by joining public company Boards or forming new company ventures. Irwin Simon of Hain Celestial and the Schottenstein Family by joining Aphria and forming Green Growth Brands. Growth and consolidation will continue as this newly-regulated industry becomes a fixture of the global economy.

Since 2015 the business model has gone from getting proper licensing to now performing profitably with limited overhead. The next level of the playing field to be winner in this sector is increase enrollments and expand our business model internationally. We look forward to the continued development of our success and we invite you to join us in that journey.

*Novus Capital Structure:*

· No Convertible Notes
· 98,233,624 common shares issued and outstanding
· No sales of insider shares since the third quarter of 2015
· Leak Out Provisions on all shares issued

*We invite you to do your due diligence here: *

· Novus Filings: Click Here
· Exec Summary: Click Here
· Quote: Click Here
· *Website:* Click Here
· *Investor's Page*: Click Here
· *How Insurance Companies are Evaluated*: Click Here

*About Novus*

Novus Acquisition & Development Corp. (NDEV), through its subsidiary WCIG Insurance, provides health insurance and related insurance solutions within the wellness and medical marijuana industries in states where legal programs exist. Novus has developed its infrastructure within many lines of the insurance business such as, health, property & casualty, life, accident and fixed annuities.

Operating under the d/b/a Novus Cannabis MedPlan the business model is divided into three components:

1. Medical Cannabis (THC-based meds) can render risk and non-risk insurance models in Oregon, Hawaii, Michigan, Arizona, Colorado, California, Washington, New York, Massachusetts, Florida and Vermont.
2. CBD MedPlans are available nationwide.
3. Traditional Benefit Packages: Novus also sells benefit packages nationwide in medical marijuana CBD concentrate, dental, vision, diabetic supplies, prescriptions and hearing

Novus medical cannabis benefits package will work as outside developers and will not cultivate, handle, transport grow, extract, dispense, put up for sale, put on the market, vend, deliver, supply, circulate, or trade cannabis or any substances that violate the United States law or the Controlled Substances Act, nor does it intend to do so in the future and will continue to follow state and federal laws. The statements made about specific products have not been evaluated by the United States Food and Drug Administration (FDA) and are not intended to diagnose, treat, cure or prevent disease. All information provided on these press releases or any information contained on or in any product label or packaging is for informational purposes only and is not intended as a substitute for advice from your physician or other health care professional. Once a push notification is competed the transaction is solely between the state-licensed dispensary and the registered patient.

The state laws conflict with the federal Controlled Substances Act. The current administration has effectively stated that it is not an efficient use of resources to direct federal law enforcement agencies to prosecute those lawfully abiding by state designated laws, allowing the use and distribution of medical marijuana. However, there is no guarantee that the current administration, nor any future administration, will not change this policy and decide to enforce the federal laws strongly. Any such change in the federal government's enforcement of current federal laws could cause significant financial changes to Novus Medical Group. While we do not intend to harvest, distribute or sell cannabis or cannabis related products, we may be harmed by a change in enforcement by federal or state governments.

*Forward-Looking Statements*

This release includes forward-looking statements, which are based on certain assumptions and reflects management's current expectations. These forward-looking statements are subject to a number of risks and uncertainties that could cause actual results or events to differ materially from current expectations. Some of these factors include: general global economic conditions; general industry and market conditions and growth rates; uncertainty as to whether our strategies and business plans will yield the expected benefits; increasing competition; availability and cost of capital; the ability to identify and develop and achieve commercial success; the level of expenditures necessary to maintain and improve the quality of services; changes in the economy; changes in laws and regulations, includes codes and standards, intellectual property rights, and tax matters; or other matters not anticipated; our ability to secure and maintain strategic relationships and distribution agreements. Novus disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

CONTACT: Contact Information

Corporate:

Chairman and CEO

Frank Labrozzi

frank@ndev.biz

855-228-7355Investors:

Hayden IR

hart@haydenir.com

917-658-7878 Reported by GlobeNewswire 6 hours ago.

↧

De Blasio to Unveil Health Care Plan for Undocumented and Low-Income New Yorkers

January 8, 2019, 8:24 am

≫ Next: Alexandria Ocasio-Cortez's ideas are not so 'radical,' but they are changing how Americans think about economics

≪ Previous: Novus Accomplishments in 2018 Are Precursor to Accelerated Growth for 2019

The mayor’s announcement on national television comes as the Democrat-controlled State Legislature is weighing some form of universal health insurance. Reported by NYTimes.com 3 hours ago.

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Alexandria Ocasio-Cortez's ideas are not so 'radical,' but they are changing how Americans think about economics

January 8, 2019, 10:03 am

≫ Next: New York City launches $100 million universal health insurance program

≪ Previous: De Blasio to Unveil Health Care Plan for Undocumented and Low-Income New Yorkers

Alexandria Ocasio-Cortez's ideas are not so 'radical,' but they are changing how Americans think about economics

· *In an interview with 60 Minutes on Sunday, Democratic Congresswoman Alexandria Ocasio-Cortez discussed some so-called radical economic ideas.*
· *Turns out, they're not so radical. But her opposition will still find them incredibly threatening.*
· *That's because she's changing a discussion about economics that has gone uncontested for about 40 years, and that in turn could change the way we think about what we really value in the country for the next 40 years.*

On Sunday 60 Minutes aired an interview with New York Representative Alexandria Ocasio-Cortez where she discussed her views on our political climate, her rise to Congress, and her policy ideas.

Then something that hasn't happened in a few years happened. We actually started talking about those ideas — ideas that have little to do with President Donald Trump.

AOC has accomplished something abnormal in the Trump era: Getting cable news networks to talk about policy not directly related to Trump or some legislation on the verge of passing. pic.twitter.com/Odtxjk2EGM

— Max Tani (@maxwelltani) January 7, 2019

If the fact that her ideas were given any space at all space isn't shocking enough for you, you should check out the ideas themselves. They are a departure from the last 40 years of the way we think of how national budgets and American taxation should work. And they are desperately needed at the moment.

Ocasio-Cortez discussed two ideas, specifically, that would make your generic, center-right "fiscal responsibility" issue voter's hair stand on end.

· A 70% tax rate on incomes above $10 million.
· The application of modern monetary theory (MMT) on our budget. According to this theory deficits are okay as long as money is being spent productively (on say, healthcare or infrastructure). The only real danger with running deficits is out of control inflation, which the Federal Reserve can control by raising rates.

Obviously this flies in the face of everything your dad told you about being a prudent American. The rich aren't supposed to be "punished" for their success with taxation, and the government is supposed to give money back to people instead of "wasting it." As for deficits, well those will turn America into Weimar Germany, or so it goes.

Ocasio-Cortez is here to tell you all of that we tried that line of thinking and the result was massive inequality and a hampered government. It was just a useful idea that turned into a fever induced by special interest groups bent on minimizing money spent on social programs lowering taxes for the rich. They found their foothold in the Reagan administration, and they've been dominating American economic thought ever since — so much so that the popular imagination almost forgot that these are just theories and started accepting them as mathematical fact.

But they're not.

Quickly, a word from economist John Maynard Keynes: "The ideas of economists and political philosophers, both when they are right and when they are wrong are more powerful than is commonly understood. Indeed, the world is ruled by little else. Practical men, who believe themselves to be quite exempt from any intellectual influences, are usually slaves of some defunct economist."

** Strong and wrong **

In Spanish there is a saying: "The dog that barks loudest, eats."

And so it often is in politics. Since the 1970s the loudest voices in economics have come from the right, from followers of economist Milton Friedman who believed that selfishness was the natural state of humanity. You see why he would want a small federal budget and low taxes.

A bunch of Friedman's disciples made their way into the Reagan administration, and there they started to craft pop culture economics as we know it today. For example, economist Arthur Laffer went in there and pitched what we know today as the Laffer Curve. It contends that lower tax rates can actually lead to higher tax revenue — something that certainly didn't happen when taxes were lowered last year as 2017 tax receipts came in lower than expected.

But you can still see Laffer on CNN waxing philosophical about economics. He was an advisor to the Trump administration and to former Kansas Governor Sam Brownback, who enacted the massive tax cuts that eventually laid waste to the state's economy.

Deficit hawks on the right bark loud, too, even though they've almost never practiced what they preach. President Ronald Reagan used deficit spending to fund Star Wars and end the Cold War. The economy slowed after, George Bush Sr. raised taxes. And then we were fine.

Former House Speaker Paul Ryan — a supposed deficit hawk and budget wunderkind — exploded the deficit by passing 2017's tax cut. And nothing happened.

President George W. Bush exploded the budget after finding it in good shape — and all was well.

In fact, the major economic problems of Bush's time in office came from the private sector — from the irrational exuberance that led to the tech bubble, and a mortgage crisis that ballooned into a full on global financial meltdown. In the latter instance, the government helped nudge us into the crisis, melding a desire to encourage homeownership with an ideological bent toward deregulation.

*Read more*: Now do you finally believe baby boomers are the most selfish generation?

** United States of Amnesia **

Politics nerds talk about something called the Overton Window, it's the theory that only a limited number of policy ideas can be discussed at a time. It's a spectrum, and only that which fits within the spectrum can make it into the national conversation.

It seems that Ocasio-Cortez is getting her ideas on the spectrum.

That is why low tax zealots like Grover Norquist, the infamous president of Americans for Tax Reform, are calling Ocasio-Cortez proposal a "war" on tax payers.

Never mind that reasonable economists admit that a 70% tax on income over $10 million wouldn't raise much revenue or impact many Americans or hurt the economy at all. As Noah Smith over at Bloomberg writes, economists have theorized that the "optimal top tax rate for incomes higher than $300,000 — a much lower cutoff than the one proposed by Ocasio-Cortez — should be about 73 percent."

More from Smith:

So Ocasio-Cortez’s tax plan isn’t radical at all... a dramatic expansion of federal tax revenue would require much more than what Ocasio-Cortez is proposing. It would require an overhaul of the corporate and capital-gains tax systems, higher rates on a much broader range of high earners, and probably wealth taxes as well. It would require a huge amount of political will and a sustained policy-making effort over a number of years.

So why are men like Norquist howling over this proposal? Because they know what Ocasio-Cortez is doing — they did it themselves. Slowly inject an idea into the policy discussion and then push, and push, and push until it seems normal, no matter how radical or ridiculous it may seem.

I mean, these guys convinced us that if the government collected less tax revenue it would somehow end up with more tax revenue. How illogical is that?

*Read more*: The White House just made one thing abundantly clear to millennials

Perhaps Ocasio-Cortez's proposed tax rate wouldn't do much for the government's coffers. But consider what it would do to the American imagination. We live in a country where 63% of citizens think that our economy is stilted unfairly toward the rich and special interest groups, according to Pew Research.

Part of that is because of what the loudest voices have said our government should and should not spend money on — because what their values are. Previous administrations have used deficit spending to fund wars (Iraq, Afghanistan) and tax cuts. AOC would have us used deficit spending to fund education, healthcare, and her Green New Deal.

These are things that we've heard that we can't afford for our entire lives. We've heard that money in the government's hands is "wasted." But how could money that pays for the health and welfare of a country's own people be a "waste"? It's not like it's going anywhere.

In an economy run on consumer spending, anything that lets Americans keep more of their paychecks instead of giving it to say, health insurance companies that just buy back their own stock seems like it would juice the economy, not hurt it.

As more and more Americans feel the deck is stacked against them, they're going to start listening to these ideas. They know "what" has happened to them — that suddenly taking care of a middle class family is harder and more expensive than it was for their parents — but what Ocasio-Cortez is offering is another reason "why" and another "how" we can fix it. These "whys" and "hows" are terrifying the Republicans who run the right, thus their massive pile-on everything Ocasio-Cortez does.

It was easy to tell Americans to keep taxes low when it seemed that anyone who worked hard enough could get ahead. But what if no matter how hard you work, the system is stacked against you? It's looking increasingly clear that not everyone can make it to the top bracket — or even move up brackets.

Americans are starting to understand the meaning of privilege — the privilege of being able to support a family or even just a person on minimum wage; the privilege of being able to get an education if you have the brains but not the cash; the privilege of being able to get sick without going broke.

And they're starting to understand it because slowly, over the last few decades, those privileges have been taken away from them. Perhaps that, not Ocasio-Cortez, is what has broken our decades-long policy fever. She's just here to suggest another remedy.

*SEE ALSO: How baby boomers became the most selfish generation*

*SEE ALSO: There are no winners in Trump's economy, only non-losers and big losers who are getting clearer by the day*

*SEE ALSO: Larry Kudlow is the perfect person to keep Trump's economic sham going*

Join the conversation about this story »

NOW WATCH: North Korea's leader Kim Jong Un is 35 — here's how he became one of the world's scariest dictators Reported by Business Insider 2 hours ago.

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New York City launches $100 million universal health insurance program

January 8, 2019, 11:22 am

≫ Next: Inslee proposes “public option” health-insurance plan for Washington

≪ Previous: Alexandria Ocasio-Cortez's ideas are not so 'radical,' but they are changing how Americans think about economics

New York City on Tuesday launched a $100 million health insurance program to cover 600,000 uninsured city residents, including those unable to afford coverage and those living in the United States illegally, Mayor Bill de Blasio said. Reported by Reuters 19 minutes ago.

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Inslee proposes “public option” health-insurance plan for Washington

January 8, 2019, 11:27 am

≫ Next: NYC launches $100M universal health insurance program

≪ Previous: New York City launches $100 million universal health insurance program

The proposal is geared in part to help stabilize the Heath Benefit Exchange, which has wrestled with double-digit premium increases and attempts by Republicans in Congress and President Donald Trump to dismantle the Affordable Care Act. Reported by Seattle Times 14 minutes ago.

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NYC launches $100M universal health insurance program

January 8, 2019, 11:11 am

≫ Next: NYC Will Guarantee Health Care For All City Residents

≪ Previous: Inslee proposes “public option” health-insurance plan for Washington

The new NYC Care plan is an expansion of the city's existing MetroPlus plan covering hospital bills for low-income residents. Reported by CBC.ca 30 minutes ago.

↧

NYC Will Guarantee Health Care For All City Residents

January 8, 2019, 11:14 am

≫ Next: De Blasio: NYC to provide health care for all

≪ Previous: NYC launches $100M universal health insurance program

NYC Will Guarantee Health Care For All City Residents

Watch VideoNew York City Mayor Bill de Blasio announced Monday that the city will guarantee health care for "every New Yorker."

De Blasio said: "No one should go without the health care they need. Health care is a human right. In this city, we're going to make that a reality. In this city, we're taking that ideal and putting it into practice."

The mayor's office said the plan — called NYC Care — will serve some 600,000 New Yorkers who don't have insurance and are ineligible for it, regardless of their immigration status or ability to pay. It will give people direct access to doctors, pharmacies and mental health and substance abuse services. Prices will be set on a sliding scale.

This is not to be confused with health insurance.

The city already has a public option called MetroPlus. It offers free or affordable health insurance plans for eligible New Yorkers and gives enrollees access to hospitals and clinics. De Blasio's office said the city was also going to double down on its efforts to get people enrolled in MetroPlus.

New York's new health care plan will launch this summer, gradually rolling out geographically. It's set to be available to all New Yorkers by 2021. It'll cost at least $100 million a year once it's fully implemented. Reported by Newsy 27 minutes ago.

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De Blasio: NYC to provide health care for all

January 8, 2019, 12:53 pm

≫ Next: Data Decisions Group Acquires Reach Analytics to Form Leading Full-Service Predictive Marketing Offering

≪ Previous: NYC Will Guarantee Health Care For All City Residents

New York City Mayor Bill de Blasio says the city will spend up to $100 million per year to expand health care coverage to people without health insurance including immigrants in the U.S. illegally. (Jan. 8)

Reported by USATODAY.com 7 hours ago.

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Data Decisions Group Acquires Reach Analytics to Form Leading Full-Service Predictive Marketing Offering

January 8, 2019, 12:04 pm

≫ Next: Mayor says NYC will expand health coverage to 600,000 people

≪ Previous: De Blasio: NYC to provide health care for all

Serial Entrepreneurs Attack Next Challenge, Advance New Era Of Data Marketing With Purchase Of Cutting-edge Predictive Modeling Startup

CHAPEL HILL, N.C. (PRWEB) January 08, 2019

Data Decisions Group, Inc. a leading provider of data, market research and marketing services today announced their acquisition of Reach Analytics, a predictive marketing technology startup in Silicon Valley.

Data Decisions Group can now model and score a national prospect database in 6 minutes instead of the traditional 6 weeks. The Reach Predictive Platform speed allows us to create a model for each retail location or each insurance agency. The result is game changing for our client’s acquisition campaigns.

Marketers have an increasingly urgent need for ‘Smart Data’ that enables better decision-making for their omnichannel communications. But they need it now, not next quarter.

“The consumer marketplace is fragmented with a strong need for on-demand personalization,” said Mike Hail, CEO at Data Decisions Group. “This requires predictive modeling to effect and no one produces better models more quickly than we do with Data Decisions Group’s Reach Predictive Platform”

Hail previously co-founded KBM Group and lead the company before overseeing the sale of the company to Young & Rubicam. He has since served as the CEO of Yankelovich which was acquired by Kantar. He formed Data Decisions Group in 2016 in collaboration with long-time business partner Steve Lerner. Lerner had served as chairman at both KBM Group and Yankelovich.

The new Data Decisions Group offering allows marketers to:
● Access primary market research, data aggregation, data wrangling, and platform integrations.
● Combine primary market research with database marketing for highly personalized and targeted communications.
● Create predictive profiles and identify best targets with robust algorithmic modeling.
● Develop a deeper understanding of their customers and accurately discover and reach their best prospects - in minutes rather than weeks or months - with look-alike and response models.
● Take campaigns from targeting and strategy all the way through execution with data-backed insights.
● Reach, acquire and keep consumers all based on data.

“Mike and I have always envisioned data-driven marketing as based on the ‘voice of the consumer,’” said Steve Lerner, Chairman at Data Decisions Group. “If we can effectively organize primary market research with data aggregation and analytics using today’s marketing stack, the consumer enjoys a better customer experience and the marketer benefits greatly.”

About Data Decisions Group
Data Decisions Group is a leading provider of data, research and predictive marketing services designed specifically for the life, P&C and health insurance industries. We provide smart data for better business decisions.

For over three decades, we have pioneered many of the industry’s most effective data-driven strategies and methods for insurance customer acquisition, growth and retention. Data Decision Group’s new Reach Predictive Marketing Platform synthesizes data and machine learning technology to deliver advanced consumer targeting, profiling and consumer acquisition, enabling marketers and data scientists to analyze a wealth of information and make data-backed decisions proactively.

We are members of the Data & Marketing Association (DMA) and the Insights Association. With offices in Dallas, Chapel Hill, Atlanta, and Redwood City.

Company Contact:

Whitney Hamilton
Data Decisions Group
http://www.datadecisionsgroup.com
whitney.hamilton@datadecisionsgroup.com
469-804-3689 Reported by PRWeb 7 hours ago.

↧

Mayor says NYC will expand health coverage to 600,000 people

January 8, 2019, 1:15 pm

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NEW YORK (AP) — New York City will spend up to $100 million per year to expand health care coverage to people without health insurance, including immigrants who are in the U.S. illegally, Mayor Bill de Blasio announced Tuesday. The plan involves expanding the city's existing public insurance program and providing uninsured people with access to affordable care at city-owned facilities. "From this moment on in New York City everyone is guaranteed the right to health care," the Democratic mayor said. "We are saying the word guarantee because we can make it happen." The program is intended to reach an estimated 600,000 city residents currently without health insurance. Reported by SeattlePI.com 6 hours ago.

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Health Care Plans Trend Towards More Affordable Options for Employers, and More Cost Sharing by Employees

January 8, 2019, 2:03 pm

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Oregon's Hagan Hamilton Insurance shares data from the nation’s largest benchmarking survey which reveal that plans in West Coast states are among the least expensive in the country due to the regional increase in CDHP plans and the popularity of HMO plans in some states

PORTLAND, Ore. (PRWEB) January 08, 2019

According to the Hagan Hamilton Insurance, a United Benefit Advisors (UBA) partner firm, the 2018 UBA Health Plan Survey, released September 16, 2018, shows that premium renewal rates for employer sponsored health insurance increased an average of 9.8% in 2018, the highest increase in the last decade. Initial analysis shows that the majority of these increases were seen by employees, especially those enrolled in PPO plans. The average cost increased 6% for employees, while employers only increased their contributions 3.1%. A significant variance between regions makes it valuable for employers to consider each region’s unique trends.

While national prices trended up, states in the West saw a decrease in premium costs of 4% on average. In fact, it is the only region to see any sort of decrease in 2018. The popularity of HMO plans in states like California, where HMO plans now account for 50.8% of plan enrollment, is a major factor in that decrease. HMOs are on the rise across the country, after several years of decreased popularity, likely because they are an inexpensive option for employers.

In addition to affecting the rise in HMOs, the consistent increase in premiums has begun a movement towards plans which split costs between the employer and employee. The survey reported that while PPO plans still have the highest enrollment in all regions, enrollment in CDHP plans increased 8.3% from 2017 to 2018. The only region that didn’t see this increase was the Northeast, where CDHP plans are already dominant. In Oregon in particular, employers have turned to options including CDHPs as well as providing their employees with HRA or HSAs to share healthcare costs where they can.

“Unlike in previous years, HMO and CDHP plans did not provide as much refuge for small employers, who experienced an average 4.2% increase in costs,” says Peter Weber, President of UBA. “While employers with more than 1000 employees were hit the hardest in 2018 with a 9.6% increase, it is important to note that these increases are changing how both large and small employers are approaching healthcare. Despite continued extensions on the ability to grandmother,’ the practice saw a drastic decrease from 2017, and the reduction of prescription drug coverage will likely continue to cover the cost of rising premiums.”

Beyond plan choices and premiums, the UBA Health Plan Survey revealed useful information about many other aspects of benefits plans that employers may want to take note of.

Prescription Drug Plans— Prescription drug plans continue to show an increase in complicated benefit structures to accommodate the ever-rising cost of medications. Survey data show that most plans include three-, four-, or five- tier structures and continue to grow in complexity. While generic prescriptions continue to hover with copays of $10 on average, out-of-pocket costs for brand name and specialty medications have increased significantly, especially in plans with three or more tiers.

“Due to the complexity of the data, UBA is planning on releasing a separate report in which we hope to give foresight on the future of prescription benefit trends and the out-of-pocket costs associated with those plans,” says Weber.

In the West region, trends show an increased number of four-tier prescription plans, which now make up just over 60% of the market. With copays averaging at about $23 on four-tier plans, employees are seeing a rise in the price they’re paying for medications. Further developing these data should give more clarity on how this trend will continue in the future.

Out-of-Pocket Costs—While in-network median deductibles for single coverage remained steady across all plans for 2018 at $2,000, in-network PPO median deductibles saw an increase from $1,500 in 2017 to $2,000 in 2018. In addition, out-of-network deductibles saw a 12.5% increase, rising from $4,000 to $4,500 in all regions.

The West region has seen a larger increase than other regions in single coverage deductibles, with an average of $2,271. This is likely due to the larger trend of moving towards plans which allow employers to split the cost with employees. Single family deductibles saw an increase as well, but it was slightly less than the nationwide average at $3,980.

Self-Funding—The survey found a dramatic increase in employers using self-funding arrangements, with 20% of plans including a self-funding arrangement compared with 12.8% of plans in 2017.

More significantly, data show accelerated adoption of self-funding in small group markets. The survey reports a 122% increase in the 25 to 49 life groups and a 28.5% increase in the 50 to 99 life market. Self-funding only accounts for 8.2% of plans in the West but may be on the rise as these plans become more desirable to small businesses.

“While small groups have shown a significant increase in self-funding arrangements, we have seen a decrease in self-funding health plans for the 1000+ employer size category,” says Weber, “The large group market has seen a nearly 6% decrease in self-funding plans despite the attractive options it offers and its popularity with large groups in the past.”

More information on upcoming trends and 2018 statistics are available in the 2018 UBA Health Plan Survey Executive Summary is available. For interviews, or to request a copy of the 2018 UBA Health Plan Survey Executive Summary, contact Jason John, COO | Partner, jason(at)haganhamilton.com or 503-565-3341.

Contact us at jason(at)haganhamilton.com or 503-565-3341 for a customized benchmark survey based on industry, region and business size.

About Hagan Hamilton Insurance Solutions
We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. We offer comprehensive insurance solutions throughout Oregon and Southwest Washington, including Yamhill County, Columbia County, Lane County, Linn-Benton County, Polk County, Washington County and Clatsop County. For more information, visit http://www.haganhamilton.com.

About the 2018 UBA Health Plan Survey
The 2018 UBA Health Plan Survey contains the validated responses of 14,131 health plans and 8,072 employers, who cumulatively employ over two and a half million employees and insure more than five million total lives. While other surveys primarily target large employers, the focus of the UBA survey is to report results that are applicable to the small and mid-size companies that represent the overwhelming majority of the nation’s employers, while also including a mix of large companies in rough proportion to their actual prevalence, nationally. This is an important distinction compared to other national surveys.

About United Benefit Advisors
United Benefit Advisors® (UBA) is the nation’s leading independent employee benefits advisory organization with more than 200 offices throughout the United States, Canada, England and Ireland. UBA empowers more than 2,000 Partners to both maintain their individuality and pool their expertise, insight, and market presence to provide best-in-class services and solutions. Employers, advisors and industry-related organizations interested in obtaining powerful results from the shared wisdom of our Partners should visit http://www.UBAbenefits.com. Reported by PRWeb 5 hours ago.

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Wealthy Chinese spur booming $78bn health insurance industry

January 8, 2019, 6:53 pm

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Insurers fill gap between rising medical spending and meagre public coverage Reported by FT.com 38 minutes ago.

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Wyden says Medicare could be latest 'Trump shutdown' casualty

January 8, 2019, 2:36 pm

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Sen. Ron Wyden, an Oregon Democrat and ranking member on the Senate Finance Committee, said the government shutdown imperils the Medicare program. The federal government went into a partial shutdown in late December after the White House and Democrats reached an impasse over President Trump’s demand for $5.6 billion to fund a wall at the southern border. Not only are federal employees and national parks feeling the pain, but so could the health insurance program for seniors, Wyden said. “Medicare… Reported by bizjournals 5 hours ago.

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