Avoiding Insurance Fraud

Everyone knows that the health insurance industry is continually raising monthly premiums, and many feel this is unjust to you as the consumer. However, the health insurance industry has had to fight increasing health insurance fraud. The amount of money spent on investigating and prosecuting fraud is then passed on to policyholders. Many people do not understand what health insurance fraud entails, though. With reports estimating health insurance fraud is a $30 billion to over $100 billion industry per year, the topic should not be taken lightly. Every health insurance policyholder should understand what health insurance fraud is and its consequences. By doing so, you are more able to recognize and fight fraud.

Health insurance fraud is typically defined as intentionally deceiving, misrepresenting, or concealing information to receive benefits from the insurance company. Essentially this means that you assert that you paid for certain medical procedures or expenses out-of-pocket which you have not actually received, and you are submitting claims to the insurance company to receive reimbursement. Another example of member fraud is to conceal pre-existing conditions or to alter medical documents so that non-policyholders or ineligible members receive medical benefits under your policy. Perhaps your sister does not have insurance and needs medical attention. Having her use your name and policy to cover the expenses is health insurance fraud. While you may think that this is a small issue in comparison to your sister receiving treatment, it is actually very serious to your health insurance company and industry, and will result in fines and possible imprisonment if your are caught.

Not only policyholders commit fraud, but providers (physicians, hospitals, etc.) do as well. Since physicians and hospitals bill the insurance company for services they provide for you, they are also receiving reimbursement from the insurance company. When providers commit fraud, they may be billing the insurance company at higher rates for services rendered or they may bill for services you never received. In these cases, you will probably be asked to cooperate in the insurance company’s investigation.

Another type of health insurance fraud that has developed recently targets the policyholder more than the insurance company. Schemes have developed where fake insurance companies or agents sign unsuspecting customers for coverage at surprisingly low premium rates. They often act much like a regular insurance company for the first few months, paying for smaller medical claims like physicians visits. But once you have a more serious medical condition that needs treatment, the insurance company will disappear – along with the money you have been paying in premiums.

The rule with health insurance fraud is much like that of any other scam: if a deal seems too good to be true, just remember – it probably is. Remember to be honest in your dealings with health insurance companies and expect the same in the return from these companies, as well as your health care providers. Stay legal to avoid fines and prison and to continue receiving health insurance coverage.

3 Tips to Keep Your Luggage Safe When Traveling Internationally

In recent years the extent of security on global flights extended dramatically. Since Sep 11 all bags undergoes strict protection exams and although the primary intention is to prevent safety threats on board international flights, it surely makes travel lots more secure in popular. The real chance of preserving your possessions secure when journeying is not certainly approximately what happens at airport, however instead what happens whilst your property depart the care of the airline.

If you ever lost your luggage when travelling overseas then you definitely in all likelihood realize simply how devastating it can be. Being out of the country without whatever is a actual nightmare. Here are three remarkable recommendations to help you stay secure and preserve your belongings safe even as touring overseas.

1. Keep It On You

When you tour abroad, your passport and credit score cards are the maximum crucial things and you need to pay precise interest to maintaining it secure. Never placed your travel documents in suitcases. Always preserve it on you in order that even whilst you lose your baggage, you continue to have your files. Also, leave licensed copies of all your journey files with a relative returned domestic – just in case. Its a first rate exercise to have a small journey bag with you always and preserve your most vital documents in there. Even in case you lose the whole lot, together with your passport and your credit score card you can nonetheless be k.

2. Insurance

Its top notch what number of humans travel abroad without journey coverage. Since airways do no longer accept duty for lost or damaged bags, its honestly a risky sport to travel without tour insurance. Its quite less expensive and if you are to even lose whatever, it may make all of the distinction. Cameras, video cameras and even laptops will handiest be included through your tour coverage and even if you have contents coverage it gained;t count in case you are traveling.

3. Mark It And Lock It

It may sound overly paranoid, but you want to mark and lock your suitcases – even when it most effective goes at the aircraft. Its now not uncommon for luggage to be tampered with and plenty of flight to less secure airports are having bags tampered with. At least with a lock on it, you’ll prevent them from messing with your stuff. Its additionally essential to mark your baggage. Often bags get combined up and taken by mistake because someone else thinks that it is theirs.

Spectacular Holidays in Devon

Now that Christmas is in full swing and everybody is inside the holiday sprite, you’ll be considering a holiday. Why now not plan a journey to lovely and picturesque Devon this Christmas? The huge range of lodging options available in Devon makes it a brilliant holiday destination whether you’re touring with circle of relatives, buddies or via yourself.

Holidays in Devon are made simpler because of the big number of lodging alternatives available to site visitors. If you are making plans to vacation in Devon you’ll be capable of discover the appropriate place to stay if you look on-line.

These are a few of the styles of lodges you may find to be had in Devon.

Bed and Breakfasts:

B&B’s are perfect in case you are visiting on my own or with a collection of friends and circle of relatives. You are able to have the freedom to tour and set your very own itinerary whilst offering you with the simple facilities of a secure room and a meal. If you’re journeying alone a B&B is old fashioned and cosy enough with a view to revel in your privacy or socialise with other visitors in the status quo.

Self-Catering Cottages:

If you are looking to escape from all of it and holiday that may be a definitely domestic faraway from domestic revel in you ought to bear in mind renting out a self-catering cottage. Self- catering cottages make sure which you and the birthday party you are journeying with have your privateness even as you’re on excursion in Devon. Self- catering cottages also permit you to make your own food and this is a awesome option for folks that want to try their hand at making the nearby delicacies. Self-catering lodges in Devon range from tranquil cottages to cutting-edge flats with picturesque views.

Hotels:

Hotels are the best excursion accommodation choice for individuals who like to be pampered. Hotels do not handiest provide you with a room however also assist you to revel in all of the other facilities presented , from swimming pools to golfing publications. Hotel remains are a really perfect alternative if you are looking for a vacation wherein you are really taken care of.

Holidays in Devon may be the correct choice whether or not you need to lounge through the seashore or partake within the diverse sports on provide. Holidays in Devon particularly at some point of Christmas time are a amazing way to spend time with friends and own family.

Bramberg am Wildkogel

Bramberg am Wildkogel (819 meters a.S.L.) is located in the county Zell am See in the Austrian federal nation of Salzburg. Bramberg remains extensively unknown amongst winter sportsmen. However, it becomes more and more popular. During wintry weather Bramberg am Wildkogel is especially recommendable for families with little children. In summer season the area on the south aspect of the Wildkogel with a height of two,225 meters is a popular destination for climbers and mountaineers.

Since Bramberg am Wildkogel isn’t always the maximum famous ski motel in Austria and no longer a hotspot of ski tourism it’s miles the precise spot for all people who is searching out a calming ski experience in preference to for parties and aprés ski amusing til the morning hours. In addition, Bramberg has additionally some thing to provide besides the trails. Everyone who’s bored to death with skiing can witch to the sled and enter the 14 km toboggan run. It is lighted and one of the longest toboggan runs in the world. You would like to fly excessive? In Bramberg you furthermore mght have the opportunity for paragliding and dangle-gliding.

Due to its geographic area of 819 meters Bramberg am Wildkogel can provide warm temperatures and lots of solar hours to its guests. Bramberg is set 118 km faraway from Salzburg, the capital of the federal kingdom of the same call. It is honestly worth the way!

Bramberg has approximately 4,000 residents and numerous accommodations in Bramberg am Wildkogel acommodate a more than one of this variety each yr. Everyone who prefers self-catering will discover lovable vacation flats in Bramberg. Since Bramber is not this type of famous destination as Zell am See, for example, it should not be a trouble to discover lodging even throughout the height season. In any way it’s miles constantly recommendable to book early earlier!

The ski lodge Wildkogek gives fifty four km of unique trails og which 25 km are marked as easiest (blue). 20 km as intermediate (purple) and 9 km are marked as most tough (black). They are serviced with the aid of 15 lifts so one can deliver you uphill adequately. 9 of them are floor lifts, four chair lifts and 1 is a gondola. The skiarena Wildkogel caters particularly to the needs of households with little children. There is a unique kid’s play location known as Kogel- Mogel-Kinderland located at the mountain lodge. Here kids will find a skicarrussel and magic carpets and can learn in a playful manner. Future skiers and riders up from the age of 2 half of can visit the Kogel-Mogel Kindergarten that’s located within the panroama eating place. Know your kids in appropriate fingers at the same time as you explore the fantastic trails of the inn! Suitable trails for households can specifically be determined around the lifts Pfeifferköpfl, Braunkogel and Gensbichalm. However, this doesn’t mean Wildkogel is not a super lodge for advanced skiers and riders, too! There are masses of trails for all folks that are searching out a actual adventure.