Vectors and 3D Models
Local Search - Family
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
05/31/2020 22:49:36

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
DelphineAbductionFlash PinballFortress GamesDui

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

Thanks Doc, I am Uninsured

Sally and Dave have been married for 11 years and have two wonderful children. Dave works the executive shift of 11-hour days while Sally takes care of the house, kids, and everything else that keeps the family in one piece. They have the cars paid for and have made a very large dent in the mortgage. All is looking great for this all American family. Health insurance has never been a concern because Dave has always had a job with great benefits, mainly paid by his employer.

After 10 years of hard work and following in the footsteps of his father, Dave was quite proud of his achievements until the day he found a note on his desk from his boss. After a brief meeting, Dave is now offered a short severance package and sent out the door with a form for a COBRA extension of his health insurance benefits.

For those like Dave not familiar with a COBRA extension, now Dave gets to pay the total amount billed for his health insurance with no premium being paid by his former employer. This extension of health insurance benefits will last for 18 months unless Dave and Sally can secure a cheaper health insurance premium. With the monthly family health insurance premium now costing close to one thousand dollars for his family, Dave decides to look for an individual health insurance policy.

Dave calls several health insurance agents and also checks the internet for an online health insurance quote for his family. Eureka, Dave is all excited because an agent has offered him a policy that has similar benefits to his current policy for half the cost. Dave no longer needed maternity coverage in his new health insurance policy. Removing this benefit is another way to create a premium savings on any health insurance policy.

An appointment is scheduled and Dave and Sally sit down with the health insurance agent and complete the application for what would be their new coverage. Once completed, the agent takes the application and submits it to the insurance company just as he has done for the other 425 insurance clients he has. Dave and Sally were told that the information they entered into their health insurance application all looked great. The agent told them that he saw no reason that they would have any kind of a problem securing this new affordable coverage.

Two weeks have gone by since the friendly health insurance agent has taken their application away in his unstylish sub compact car. Dave decides to call for a status report. The phone rings three, four, five times, then the voice of the agent answers by stating the name of his agency. Dave asks for an update. The agent seems taken back for a bit then begins to speak between two coughs and an eternal clearing of the throat. The agent tells Dave that he and the two kids will be eligible for coverage but Sally has been declined. Dave in disbelief asks what the mistake could be. The agent stated that there was no mistake. The insurance company had requested medical records from Sally's doctor and found something in the records that has prompted them to decline Sally's application. The agent tells Dave that they could appeal the decision but this would be a very long process and the chances of getting the decision reversed were very slim.

How did this happen? To answer this we will have to go back eighteen months to an appointment that seemed perfectly innocent at the time.

The kids had been dropped off at school and now Sally was off to her friendly family doctor that she has only had for one year. After reading two magazines from front to back, the nurse finally calls her name to come back to the exam room. Hello, the doctor says in his usual, I really do not care tone. From time to time she may actually see the doctors eyes. The rest of the time, the friendly doctor is ready with pen in hand anxiously awaiting the next opportunity to mark some new findings in Sally's records to be filed. The doctor begins by asking if Sally has been feeling well. Sally replies that she has been having some pretty intense chest pains and she suspects it must be from the busy schedule she leads. The doctor asked if there is a history of heart or coronary problems in Sally's family. She said almost her entire family has suffered from some type of coronary problem at some time in their lives. The doctor with pen still sizzling on the paper, calls for a bio-imaging scan. After the scan shows minimal plaque build up in Sally's arteries, she is relieved and forgets the visit all together. The good doctor made elaborate notes detailing the severe chest pain Sally experienced and the prevalence of coronary problems in her family. He also noted some slight abnormalities in her heart rate.

Eighteen months to the day from this seemingly routine checkup, Sally is now refused health insurance. This is a problem that many Americans face every day. We are taught to share every thing with our doctors. The doctors are taught to document everything. Health insurance underwriters are trained to look for any reason to decline a policy before they will accept the risk. No wonder America has so many uninsured individuals trying to find a health insurance solution.

Article Source:

Kelly Mastin is a frequent contributor of insurance related articles. This article is free to re-print as long as nothing is changed, all links remained intact, the bio remains in full and the rel="nofollow" tag is not added to any of the links.

About the Author: Kelly Mastin has been in the insurance business for 19 years. He will publish articles from time to time when he feels there is an issue that needs to be brought to light.

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2020 WhmSoft - All Rights Reserved.