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There has been a lot of press and buzz in the industry regarding 4G
deployments and the related technology choices being deployed by
carriers. It is a good time to study the impacts of deployment of
these technologies on the business of telecommunications providers.
Of the many articles I have read in the past few months, invariably
when 4G (LTE or WiMAX) is mentioned in the same breath people start
talking about more bandwidth to the cell/smart phones. While this may
be true, the objective and scope for the development and deployment of
4G mobile technologies is certainly much more than that. Deployment of
these technologies allows the wireless service provider to achieve the
following:
- Compete for High Speed Internet business, with a much
differentiated service than traditional HSI service providers by not
only providing the service but also adding mobility to the plan and
thus significantly differentiating their service offering. - Provide a much richer multimedia experience on mobile phones and
other devices. 4G certainly is going to emerge as a strong competitor
for DSL and cable because of higher speeds and mobility. Based on
current architectures it is understood that 4G could provide up to
15-30 Mbps broadband speeds to individual subscribers with about
100Mbps shared amongst various users on a particular cell cite. - Always-on connections and seamless mobility for all wireless enabled devices.
- As technological innovation continues for these 4G technologies,
there could come a time where broadcast video services are provided
over the wireless infrastructure as well for certain demographic areas
in the network. Voice will become ubiquitous where the phone picks the
best network medium available based on the location of the subscriber
These are just some of the benefits that position 4G as the next
step in mobile broadband. 4G can be used both in densely populated
regions to increase capacity but also in rural areas to use spectrum
that you cannot use today in existing networks.
The above points are just some of the benefits of 4G in terms of
higher speeds and feeds. Another way to think about this technology is
in terms of coverage for all services in areas of developing as well as
developed countries which are under-served or not served in terms of
telecommunications services. Even in a developed country like the
United States of America there are areas of the country that are not
served with broadband. As a part of the economic recovery stimulus
spending the federal government has allocated $7.2 billion to serve
these areas with broadband. There has been talk in certain sections of
the industry that rather than spending a lot of money of adding
wireline infrastructure it may be advisable to look at LTE and WiMAX as
technologies that can blanket these under served areas across the
country. This way the entire population can have access to not only
broadband capabilities but also mobility for any type of service.
This model can also be replicated in countries where lots of
greenfield infrastructure is being added to provide basic telephony as
well as other advanced services.
According to a World Wireless Research Forum report, it is expected
that by 2017 there will be 17 trillion wireless serving the world
population and a wireless broadband network based on technologies like
4G and beyond could provide the seamless connectivity to anything from
anywhere.
Report Enforces Need for Email Archiving, Value of Capable Data-Leak Prevention Solution
The recently-released report "E-Mail Archiving Market, 2009-2013" by The Radicati Group is a comprehensive and insightful read. This blog post dives into revealing survey results included in the report, as well as exploring its focus on data-leak prevention.
November 03, 2009 - by Adam Bullock
An intriguing part of Radicati's market analysis was the results from a survey conducted mid-2009. It examined the attitudes and plans of corporate IT organizations for messaging and collaboration.
Storage was the highest motivator for organizations deploying an email archiving solution, garnering 56% of responses as the top choice. This makes sense, especially since the report reminds us that the average number of emails sent and received by a corporate email user will be nearly 31% higher in 2013, translating to 31 MB per day, compared with 20 MB per user per day on average in 2009. You have most likely experienced this growth at your office. Take a second to reflect on the exponential growth in traffic and increasingly larger size of emails contributing to the bloat of your inbox. IT decision-makers are well-aware of the need for storage solutions.
This survey also gave us a snapshot of data loss (or data leak) prevention's growing profile in the workplace. "Data-leak prevention" covers a lot of territory, but Radicati defines it as "the act of comprehensively protecting sensitive data against both inadvertent and malicious loss." In terms of email, DLP often refers to outbound content filtering solutions. Of the respondents in the survey, only 6 percent indicated they had a DLP solution in place, though 38% will be looking to add that kind of service to their system, or will be considering the need for it, in the next 12-18 months. In the wake of new guidelines from HIPAA and other regulatory updates and amendments, DLP adoption will likely grow even more.
The accidental release of sensitive data to unintentional parties can hurt financially, ruin a reputation, and can be incredibly embarrassing. Prohibitive efforts to manage these risks are well worth it, says the report: "As a rule, when selecting a DLP solution, features and capabilities should be given more weight than the solution's costs."
The 188-page report, available at Radicati's website, is a very interesting read and includes a lot more, such as a breakdown of each of the major players in the email archiving industry as well as data on market share, four-year forecasts and other statistics.
Adam Bullock is the digital media specialist for Smarsh and veteran blogger. In previous stops in his professional career, Adam has spent time with an Internet marketing firm as a project manager as well as a leading domain name registrar.
Red Flags Rule Compliance – November 1st is Approaching!
The deadline for compliance with the Federal Trade Commission's Red Flags Rule is November 1, 2009! These regulations require financial institutions and creditors (businesses or organizations that regularly provide goods or services fist and allow customers to pay later, such as automobile dealers, mortgage brokers, telecommunications companies, utility companies and more) to develop, implement and monitor written identity theft prevention programs.
Does your company need to worry about Red Flags Rule compliance? Whether or not it's a good idea to implement an email encryption solution if your organization electronically transmits personal identification via email.
October 28, 2009 - by Adam Bullock
Even with multiple delays and last-minute amendments, the regulations are about to become reality for many businesses around the United States. The rationale behind the rules is sound: according to a recent Gallup poll, 66 percent of U.S. adults worry "frequently" or "occasionally" about identity theft and the FTC estimates that as many as 9 million Americans have their identities stolen each year.
Organizations covered by the Red Flags Rule must implement a written program to detect, prevent and mitigate identity theft. If your company communicates with customers/clients via email, then having a data-leak prevention/content filtering solution to block delivery (such as smarshDLP) and an email encryption solution (like our smarshEncrypt secure messaging service) to protect delivery are logical components of your company’s Red Flags Rule compliance solution.
Failure to comply with the Red Flags Rule can result in financial penalties and regulatory enforcement action. In addition, the publicity that coincides with identity theft and data breaches could also severely damage your company’s reputation.
Update: a bill (H.R. 3763) has passed in the U.S. House of Representatives that would exclude any accounting, legal and health care practice from "creditor" status. In addition, this bill excludes any business in which the FTC determines:
- Knows all its customers or clients individually;
- Only performs services in or around the residences of its customers;
- Has not experienced incidents of identity theft, and identity theft is rare for businesses of that type.
While the bill has passed House consideration, it has just been received in the Senate and has been referred to the Committee on Banking, Housing, and Urban Affairs.
Further information on the Red Flags Rule can be found on the Federal Trade Commission’s Fighting Fraud with the Red Flags Rule microsite.
Adam Bullock is the digital media specialist for Smarsh and a veteran blogger. In previous stops in his professional career, Adam has spent time with an Internet marketing firm as a project manager as well as a leading domain name registrar. If you have any questions or comments, feel free to email Adam directly at abullock [at] smarsh.com.
5 Ways to Reduce Your Utah Health Insurance Premium
By Bret Harding
1. Drop the Supplemental Accident Benefit
If this benefit is part of your current policy, it is now optional, and you can drop it if you don’t find it useful. The Supplemental Accident benefit covers the $1,000 of an accidental injury at 100 percent. After that, any remaining deductible, co-pays, and coinsurance apply. Without this benefit, your regular benefits still apply for accidental injuries, so you still have some level of coverage.
2. Switch to a Plan with a Higher Deductible
In most cases, this results in a lower premium. Many people who are generally healthy choose these so they have coverage for major things if they happen. Otherwise, they are willing to pay for the occasional small service out of pocket. Certain high deductible health plans are qualified to be paired with a pre-tax Health Savings Account (HSA). You can use this account to cover deductible, co-pay, and coinsurance amounts when you use your plan.
3. Change Your Benefit Level
If this benefit is part of your current policy, it is now optional, and you can drop it if you don’t find it useful. The Supplemental Accident benefit covers the $1,000 of an accidental injury at 100 percent. After that, any remaining deductible, co-pays, and coinsurance apply. Without this benefit, your regular benefits still apply for accidental injuries, so you still have some level of coverage. If you are on a higher-level plan (no deductible for prescription drugs, office services, or ER) or a mid-level type plan (no deductible for office services or ER), switch to a base-level style plan where a deductible applies to most services first.
4. Re-apply
Do you rarely use your insurance? Have you been on your plan for over two years? Are you generally in good health? If the answer is ‘yes’ to all of these, you may benefit from a reapply. You can reapply for the same plan you are currently on, or a different one. There is no risk for doing this. If you don’t like the new rate offer, you can keep your current plan and rate.
5. Change Your Current Insurance ProviderWe have five main providers in Utah: Human, Altius, Assurant, Blue Cross Blue Shield, and Select Health to choose from, depending on where you live in Utah (not all providers are available in all areas). Remember before switching to another provider to always verify whether or not your favorite doctor has chosen to participate on your new chosen plan before you switch.Get Started Today! Visit: www.UtahInsuranceSolutions.com
Entertainment Law
Entertainment law is a highly volatile area that is constantly
changing. If you’re in this industry, be smart and have entertainment
savvy legal representation.
Entertainment law is an area that is a mystery to many folks and
they don’t understand what this kind of attorney actually does. Given
the nature of the specialized knowledge these attorneys deal with, it
goes without saying that their expertise will protect your rights.
Entertainment attorneys handle all the legal aspects of film and TV
productions, set up music and film production companies, deal with
talent agreements (including modeling, singers, actors and musicians)
and ride herd on the details for film financing and production issues.
Along with all those issues, entertainment attorneys also draft
producer agreements for both film and music, put together music
licensing agreements and writer option agreements plus tend to
copywrite law and all appropriate registrations. Mixed in with all
these tasks, the attorney will also take care of trademark
applications, distribution matters, draft solid non-disclosure
agreements and confidentiality agreements and take care of prepping
releases.
Hiring a lawyer like this is a guarantee that your legal rights will
be protected in an industry known for its particularly fierce
competition. Unfortunately there are also stories of abuse of power and
control when it comes to the various agreements needed to make it in
the entertainment business. Having an expert entertainment lawyer on
board will also ensure your co-production agreements are handled
correctly, that artist/management agreements protect the artist and
management equally, that artist recording agreements reflect the needs
of the artist and that director agreements accurately spell out what
the director is required to do and receive in return for his or her
services.
Generally speaking a great deal of the work an entertainment lawyer
does is transactional in nature – meaning they draft a lot of
contracts. However this isn’t to say that they don’t handle cases that
need litigation or arbitration. Entertainment law is an eclectic mix of
subcategories and is also referred to as media law. It has a great deal
in common with the field of intellectual property law.
If you were to ask an entertainment lawyer what they do, their
answer would likely be that they deal with such diverse areas of law as
immigration, securities law, agency, bankruptcy law, labor law,
international law, insurance law and employment law. Even these
particular categories have further areas within them that have their
own unique trade unions, rules, case law, production techniques and
negotiation strategies.
For example if you hire an entertainment lawyer to deal with
agreements, contracts and options, etc. in film, they would also need
to be well aware of chain of title, finance; and what screen writers,
film directors, composers, designers and actors do. This would also
include post production, trade union issues and distribution issues,
and motion picture industry negotiations distribution. As you can see,
having a highly skilled entertainment lawyer on board will make all the
difference in the world to how smoothly your operation runs.
Deborah Barron is a Sacramento business lawyer, Sacramento employment lawyer, and Sacramento winery lawyer in California. To learn more, visit Lawbarron.com.
Musically Inclined? Get a Lawyer.
While the music industry may be exciting and fulfilling, for
fledgling entrepreneurs there are pitfalls you need a lawyer to handle.
Making music may be fun, getting recognized isn’t always easy, but
when that happens, it’s definitely time to bring a lawyer onboard to
make sure you are protected as your career takes shape. It doesn’t
matter if you’re a band or solo, the fact is if you are the new kid on
the block, you are fresh fodder to be taken advantage of in the
entertainment business.
If you’re thinking right about now that it couldn’t possibly be
“that” complicated to have a contract written, signed and be on your
way, then it’s time to do your homework about what really happens in
this business. It’s not unusual to see music contracts that are 30
pages or more, and most of them are so complicated only an
entertainment lawyer is able to make heads or tails of them.
Unfortunately, most of them are also couched in terms that are so
circuitous that many artists take one look at the legal document and
beg to see the places where they have to sign.
Obviously signing something without reading it isn’t a good idea,
especially in the music industry, as there are a lot of contracts that
musicians have to sign. One mistake by signing a contract you didn’t
really pay much attention to could mean being stuck with a lousy record
company, a bad distribution deal, or a shady manager, agent or
promoter. If that happens, your career could be over before it even got
started. Like the old saying, “Buyer beware,” make sure you know
precisely what is in any contract you sign.
It’s not just dealing with contracts for agents and recording
companies it’s also managing issues like copyrighting your music,
ensuring you have a trademark for your band name, and having a logo
designed. This can be done for an individual as well, and it’s called
branding, or brand name recognition. Think Shania Twain or Mariah Carey.
This still isn’t the limit to the issues you will face when it comes
to what is contained in the various agreements you need to sign; they
may also include licensing contracts, festival and concert contracts,
promotion deals and publishing contracts. Each contract you sign has
even more convoluted clauses and provisions within it as well. Being a
musician isn’t for sissies or total novices when it comes to legal
issues. Always consult with experienced legal counsel when it comes to
getting a contract that protects your rights.
Your entertainment lawyer will have highly specialized knowledge of
things like advertising law, employment law, immigration, negotiation,
ring tones, mechanical licenses, peer-to-peer file swapping,
synchronization rights, digital rights and a superb knowledge of how
music is created from start to finish – the mixing to the mastering.
They will also have a good working understanding of the roles of a
producer, promoter and manager.
The best advice to give someone just starting out in the music
industry is to seek legal representation for everything because it is
essential. No one wants to get saddled with a lousy one-sided contract.
Deborah Barron is a Sacramento business lawyer, Sacramento employment lawyer, and Sacramento winery lawyer in California. To learn more, visit Lawbarron.com.
BizBuySell.com Third Quarter 2009 Data Signals Improving Business-for-Sale Market
After multiple quarters of declining business-for-sale transactions, BizBuySell.com's new data for the third quarter of 2009 suggest that the state of the small business economy is
finally beginning to improve.
The report shows a 24% year-over-year drop in closed small business
transactions. While still lagging behind year-ago transaction numbers,
BizBuySell.com's previous report -- which included data for the second
quarter of 2009 -- showed a dramatic 50% decline in closed
business-for-sale transactions when compared to the same time period in
2008. Closed transactions are reported to BizBuySell.com by business
brokers nationwide.
BizBuySell.com's quarter-over-quarter data also supports the rebound
in the business-for-sale marketplace. The number of closed transactions
reported in the third quarter increased by 7.4% as compared to second
quarter transactions. Just one year earlier, when the recession was
hitting its stride, that same quarter-over-quarter statistic dropped
30%.
BizBuySell.com believes this is a sign that the market has hit bottom and is fortunately now beginning to turn around. As credit eases, business fundamentals recover and SBA lending criteria
change with respect to goodwill, the fourth
quarter of this year and the first quarter of 2010 will likely show increased
signs of recovery and growth.
BizBuySell.com's third quarter data suggests that business sellers are
dropping their prices, which is making it possible for more deals to
close. For example, the median sale price for closed transactions fell
to $149,000 from $189,500 year-over-year, a 21.4% decline in price.
The metrics used to value companies have seen a similarly dramatic
downward trend. Revenue multiples on reported closed transactions
dropped 9.6% to .62 in the third quarter of 2009, and cash flow
multiples dropped to 2.44, a 12.2% year-over-year decrease. The revenue
and cash flow multiples are calculated by dividing the selling price of
the business by its reported annual revenue or cash flow.
A recent BizBuySell.com survey
of business brokers around the country similarly revealed that they are
positive about the future of small business transactions:
--- 34% of business brokers reported expecting to close their next deal within the next few weeks.
--- 75% of survey respondents expect to close their next small business transaction within the next three months.
--- 47% of survey respondents believe small business transaction
levels will not fall any further than they were during the second
quarter of 2009, which leads 78% of survey respondents to believe that
business-for-sale transactions will begin to increase again before Q2
2010.
How to Mobilize Your Social Media
Recently, Advertising Age reported on the 400% surge
in mobile video uploads to YouTube, attributed to the new iPhone 3GS.
Beyond the implications of what that may mean for the value of ad
inventory on YouTube, one thing is clear: There is an inseparable link
between social media and mobile devices.
As the capabilities of these devices expand, we can expect that
updating social-network sites via mobile will continue to increase and
may eventually even surpass the wired web. Social networks like Twitter
and Facebook are remarkably dependent on mobile access for the value
they provide to their users. I would also argue that mobile status
updates are, by their very nature, timelier, more relevant and
potentially more interesting to their readers.
Today, every major social network offers its users a range of mobile
services, from mobile web access to downloadable mobile applications.
Although consumers with high-end devices may be the primary users of
these mobile services, some social networks also offer a number of
SMS-driven features that allow consumers to stay engaged by text, even
on low-end mobile phones. This represents a big opportunity for brands
to maximize their efforts and move consumers easily between their
mobile and social media experiences.
While social media campaigns are becoming more common, we often see
that when agencies and brands begin their engagement with social
networks, they act as if their entire audience is on a computer -- the
mobile aspects of social media are frequently neglected. And the
reverse can also be said about many brands' initial mobile marketing
efforts: They often neglect to effectively integrate the power of
mobile social-media elements (even when these elements already exist)
to further engage consumers and fans of the brand.
Twitter
Twitter is a great example of the power of mobile and social media
working together. According to Nielsen, more than 3 million Twitter
users in the U.S. alone regularly access the service via the mobile
web. Additionally, many consumers are frequently using Twitter through
SMS and a range of downloadable mobile applications for iPhone,
BlackBerry and other mobile devices. This makes Twitter an easy and
seamless way to drive consumers to mobile content.
If you're already actively using Twitter for a brand, consider how
mobile-friendly your tweets are. If you're including links to content
on YouTube, Flickr and many other social-networking sites that
automatically redirect users to their mobile versions of pages, you're
doing great. But if you are sending Twitter users to a page on your
all-Flash website or content that could potentially crash a phone's
browser, you should consider posting both mobile-friendly and
non-mobile links to important content that you want to share.
Also, if your brand has a mobile site and a Twitter account, then why
not invite your mobile users to click over and follow your tweets right
then and there? I've only seen a handful of brands take advantage of
this easy integration point.
Facebook
According to Nielsen, Facebook is the No. 7 mobile website in terms of
reach. About 15% of Facebook users (11 million) in the U.S. regularly
access the social network's mobile web version (not to mention various
downloadable versions and the roughly three million users who use SMS).
Users visit the mobile web version an average of over 18 times per
month and each visit lasts about 10 minutes.
At the time of this writing, Facebook fan pages are just beginning to
be supported on the mobile web, and hopefully soon on mobile
applications as well. Once they are fully supported, that will open up
mobile social-media integration opportunities. Already, the Facebook
Connect service is allowing brands to link their iPhone apps to users'
profiles, and Facebook Connect has potential for mobile websites as
well.
Facebook recently launched a new feature for fan pages that allows
users to subscribe via SMS. This is a free service that essentially
gives any brand with a Fan Page the ability to send targeted SMS
updates to their fan's mobile phones if they have opted into the
service. However, only a few brands have effectively used this new
feature, and more work needs to be done to actively engage fans with it
by including content that is relevant to mobile users.
YouTube
YouTube is a powerful social network and content site, and by far the
most ubiquitous in terms of the number of platforms and devices that it
can be accessed from. Even on mobile, there are a number of distinct
ways that users can access the full range of mobile content. The native
versions of YouTube that come pre-installed on iPhones, Android phones
like the G1, and the Palm Pre offer the best mobile user experience.
However, the mobile web version is also outstanding, and has well over
4.6 million users that log in many times a month.
Any brands that are on YouTube and are also doing mobile, but are not
integrating the two, are missing an important opportunity. Your mobile
site is just a click away from lots of video, and you can add links to
video descriptions that can be used to drive users back to your brand's
mobile site for more. Also, consider the power of video to influence
consumers at the point of sale. Virtually everyone who walks down a
store aisle these days has a device in their pocket that gives them the
ability to get to your brand's video content. You just need to take a
few simple steps to connect the dots.
Quality vs. Quantity
Both mobile and social media are more about reaching niche audiences
and getting them actively engaged than they are about massive reach.
They are about getting personal with the consumer, which makes both
social media and mobile impressions more valuable. These consumers are
fully engaged. They have raised their hands and want to know more. And
once they've told you they're interested in more, they will be
disappointed if they don't get it.
Some who look at social media and mobile through marketing goggles
question reach and how these channels can be used to sell consumers
more stuff. But in the era of Web 2.0, part of the selling process is
increasingly becoming about the art of being there for the consumer in
the always-on environment of mobility- charged social media. It's about
offering something of value, creating movements that build over time,
engaging with passionate fans and giving them the tools to influence
others.
By using a multichannel approach to social media that fully leverages
mobile communications, you will have a much greater likelihood of
gaining critical mass for your social media initiatives. You'll gain
even more valuable social media impressions, and most importantly a
growing list of brand fans that you can continue to communicate with.
It will allow consumers to digitally participate in this brand movement
anywhere -- and anytime.
The Different Parts of Medicare
Medicare parts A and B provide complete protection or comprehensive
coverage. Many Americans believe the combination offers complete
protection. This isn’t the case.
While many people have both parts A and B of Medicare, they are
making a mistake by thinking that they have complete protection. What
they have is comprehensive coverage, but this is not the same thing as
complete protection.
If you go back a bit in history, Medicare has never covered
outpatient prescription costs, with the onetime exception in 1989.
Things mostly remained that way until 2003 when a new act was brought
into force – the Medicare Prescription Drug Improvement and
Modernization Act. All that whole mouthful means is that it expanded
Medicare to include a prescription drug benefit that started in 2006.
You might be wondering why the change wasn’t implemented earlier.
This has to do with the fact that Medicare has the right to
definitively outline the care it will cover, and that includes part D.
This brings up another interesting point, the one that says all medical
treatments and procedures must be approved by Medicare. This is the
major reason why you need to have a good working knowledge of Medicare
to really understand the program.
Not many people seem to realize that every part of Medicare offers
benefits for different types of care and that Medicare parts A and B
each have different co-payments, out-of-pocket expenses and limits.
What this really means is that you almost have two different insurance
policies.
What do you need to know to have your medical expenses covered by
Medicare? The first thing you need to know is that your treatment is
medically required and deemed appropriate for the condition you have.
Medicare must approve your treatment and it must have been prescribed
by a doctor.
They won’t OK coverage of unique procedures or experimental
treatments. If however you feel you have been wrongly denied, you do
have the right to appeal the decision. Why is this stuff important for
you to know? It is significant for you to know because Medigap and/or
Medicare supplement insurance only pays a claim if Medicare accepts the
expenses as reasonable.
Keep in mind that no matter where you buy Medicare plans and/or
Medicare supplement plans, they are all the same, all standardized. The
only differences will be what one company charges versus another. The
thing to pay attention to is that since the plans were standardized,
plan F has become the most popular because customers value the full
coverage. This isn’t to say that there aren’t other viable alternatives
such as plan C, D or G because many hospitals and physicians don’t
demand the patient pay more than what Medicare approves.
Randy Gillespie is with Illinois health insurance agency, Focus Insurance Group. To learn more about Illinois health insurance, Illinois health insurance quotes, Illinois group health insurance or to get an Illinois health insurance quotes, visit Focusinsgroup.com
Buying Family Health Insurance Coverage in Illinois
Buying family health insurance in Illinois isn’t that difficult if you follow a few guidelines.
One of the first things to consider is having every family member on
a separate policy. While that idea might go against the grain, there is
a very good reason for it. It’s a proven fact that some insurance
carriers have actually cancelled a whole family’s health insurance
coverage because of something that might be wrong with just “one”
dependent. That’s a pretty scary thought to have everyone in the whole
family suddenly without health insurance.
Don’t jump whole hog into buying health insurance from a company no
one seems to know very much about. The ideal thing is to thoroughly
check out whether the company under consideration has a good track
record for paying claims or not. Word of mouth is often helpful here.
If there isn’t much information to be found about the company, take
a pass and move on to another choice. The ideal health insurance agent
is one who will spend time educating clients about their options and
not pressuring them to buy anything, not to mention the agent knows
precisely who has a good track record for paying their claims.
When choosing an insurance company before buying health insurance,
it’s a good idea to pick a company that does “not” hike rates every six
months after the initial first year with them. While this might seem
impossible to believe, it does happen and in fact there are examples of
insurance companies handing out a 31% rate hike every six months after
the first 12 months, this despite assuring the customer would only see
(on average) a mere 8% increase in rates. No one needs to be dealing
with rate increases like that.
It may be tempting to fudge a person’s health status on an insurance
application; after all it just seems like a “little white lie.” Never
try and hide any health conditions from the insurer. It is a virtual
guarantee that they “will” find out later during the course of medical
testing, etc. Finding out later has some serious repercussions that may
include policy cancellation.
Don’t go to the doctor’s office that often? If that is the case,
consider a different type of health insurance, as there is no sense in
paying for the ability to visit the doctor frequently if that never
happens. It doesn’t make sense to fork over hard earned money for
doctor co-pays if it isn’t necessary.
Seek an expert health insurance agent that isn’t just out to sell
something, but takes the time to help figure out which plan would be
the very best fit for everyone that needs health insurance.
To learn more about Illinois health insurance, Illinois health insurance quotes, Illinois group health insurance or to get an Illinois health insurance quotes, visit Focusinsgroup.com
