Insurance Coverage for Infertility Treatments

For many infertile couples in the United States, the cost of infertility treatment is prohibitive. While many foreign countries, especially those with declining birthrates, subsidize in vitro fertilization (IVF), the United States government has not yet recognized infertility as a disability that warrants greater scrutiny. Luckily for some, however, legislature in 15 states mandates insurers to offer coverage for certain procedures, making infertility treatments more affordable for thousands of families.

Per the American Society for Reproductive Medicine, the following states require insurers to provide coverage for infertility treatment, albeit subject to restrictions:

  • Arkansas: Providers cover IVF, but the lifetime coverage may be limited to $15,000. Restrictions apply (e.g., sperm and eggs must not be donated, the couple must have tried to achieve pregnancy for at least two years, etc.).
  • California: Providers are not required to cover IVF, but diagnosis of infertility may be covered, as well as gamete intrafallopian transfer (GIFT).
  • Connecticut: Both individual and group plans cover medically necessitated diagnosis and treatment of infertility. Restrictions are imposed on patient’s age (must be older than 40), on the maximum number of treatment cycles (four for ovulation induction, three for intrauterine insemination [IUI], and two for IVF, GIFT, zygote intrafallopian transfer [ZIFT], or low tubal embryo transfer), and on the number of embryos transferred (no more than two per cycle).
  • Hawaii: Plans offer a one-time coverage of IVF outpatient expenses. Eggs and sperm must not be donated. The couple must have tried to become pregnant for at least five years. Other restrictions also apply.
  • Illinois: Group plans of at least 25 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. No more than four egg retrievals can be covered by insurance.
  • Louisiana: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, and other assisted reproduction procedures.
  • Maryland: Group plans of at least 50 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. In addition, providers may impose a lifetime maximum benefit of $100,000 and three IVF cycles per live birth.
  • Massachusetts: Insurance providers cover medically necessary tests and procedures for infertility diagnosis and treatment, including IUI, IVF, GIFT, and ZIFT.
  • Montana: Only health maintenance organizations (HMOs) are required to provide coverage for infertility services as part of basic preventive healthcare services. The extent of this coverage is not defined.
  • New Jersey: Coverage is provided for IUI, IVF, GIFT, ZIFT, and other infertility treatments if less expensive options have been attempted unsuccessfully. The coverage extends to no more than four egg retrievals.
  • New York: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, GIFT, ZIFT, and other procedures.
  • Ohio: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.
  • Rhode Island: Insurance providers cover the diagnosis and treatment of infertility if the procedure is deemed medically necessary.
  • Texas: Some insurance plans cover IVF if no other methods have worked and the couple are using their own eggs and sperm.
  • West Virginia: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.

Note that even if insurance providers are not required to cover infertility treatment, some of them still do. For example, my state legislature does not obligate insurers to provide coverage for IVF or other assisted reproduction procedures, but my insurance plan offers a lifetime coverage of $25,000 nevertheless, after certain conditions are met (e.g., more than a year of failing to achieve pregnancy for those who are over 35, three unsuccessful IUIs before an IVF is attempted, etc.).

Although most health insurance providers do not cover infertility treatments if they are not required to do so, keep in mind that parts of these treatments (e.g., ultrasound imaging and blood tests) can be considered routine tests and thus at least partially covered by the insurer. The same is true for generic medication (e.g., clomiphene citrate). Still, the unfortunate reality is that many couples in the United States find themselves required to pay in full for their infertility treatments, and they have to be able to pay the entire amount up front.



Source by K. Lowery

Institutional Pros in Exchange Traded Funds

ETF or the exchanged traded funds are an investment vehicle for trading on the stock exchanges, such as Stocks. EFT is used to hold assets, eg commodities, stocks, bonds, and trades in the same price bracket and as a net asset value underpinning assets during trading days. ETF helps investors track index, eg MSCI EAFE and S & P 500.

Exchange traded funds is a good investment because of the low costs and tax efficiencies. It is a good investment options because of its stock like features. ETF is popular in the exchange traded products line. The authorized participants are popular institutional pros and investors. The traders buy and sell shares of ETF from fund managers.

They use these buy / sell methods to create units and larger blocks of ETF shares in tens of thousands of dollars. These shares are then replaced on an in kind system with baskets that have underpinning securities. Authorized participants or Pros may opt to invest in exchange traded fund shares on a long-term basis. Usually the pros act as what is known as market makers. They open the fundamental assets.

Individual investors use retail brokers to trade shares in secondary markets. Exchange trades combine valuation features of unit investment trust and / or mutual funds. These investments are bought and sold at the end of each trading day. Net asset value is traded, which offers tradable features of closed-end funds. These funds are traded daily at various prices below or higher than net asset value.

Closed-end funds are not ETF shares since those closed funds are traded on an exchange market. Since 1993, the US offered investors ETF trading options, and since 1999, Europe has been offering ETF trades. Europe became the first country to cooperate amid BGI, smaller independent distribution companies, and MSCI. It is known as the Funds Distribution Incorporation.

This distribution company historically moved on to become iShares, which is known globally. Traditionally, exchange funds were dubbed index funds. Today, it is known as actively managed exchanged traded funds established by the US Securities and Exchange Commission.

Investors can join the trading industry to gain access to pools of securities, as well as assets. Investors can buy or sell Exchange funds daily from brokers or dealers. Redemption's and purchased units are in-kind rather than sold or redeemed as shares at NAV, or net asset value. The institutional pro investors contribute and receive baskets of securities. Sometimes investors have to purchase or redeem shareholders, substituting it for cash in exchange for securities.



Source by Alex Garcia

Researching Local Car Dealerships When Purchasing A Car

It's quite possible that purchasing a vehicle is the second most expensive acquisition you will ever make, next to owning your own home. With such a large amount of money needed for a vehicle purchase, a smart investment would include doing your research on not only the type of vehicle you want, but also the dealership you want to patronize.

When researching local car dealership, word-of-mouth is an invaluable resource. When someone you know and trust has had a good, or bad, experience at a local dealership it will help to point you either towards or away from said dealership.

If your best friend went to Buddy's Cars (for example) and had a great experience and walked away with a great deal, you are much more likely to want to give Buddy's Cars a chance to earn your business, right? Whereas if your friend went to Grumpy's Autos (for example) and had an unfriendly salesperson who would not bargain with them on the price of the vehicle, you are likely going to be uninterested in giving Grumpy's a chance.

Once you have narrowed your auto search down to the make and model you desire, it is then easier to narrow down your choice of dealerships because of the types of cars they offer. Whether you're looking for a new or used car, find a dealership that specializes in the type of car you want. They should not only have the largest variety in-stock, but they should also be the most knowledgeable about that particular vehicle.

Negotiating the price of a vehicle is torture for some people; for others it's a natural high to get a great deal. Whether you enjoy it or not, negotiating is a big benefit to the customer when purchasing a vehicle. If the dealership is not willing to come down on the price of their inventory, simply find another dealership that will. Sometimes negotiations take multiple times back and forth from the salesperson to their manager and back to you until you can all agree upon a final price. There really is no reason to pay full sticker price on any vehicle, new or used.

Do your research before car shopping to see what the car you are wanting is worth. If you have a trade-in vehicle, check out sites like http://www.kbb.com or www.nadaguides.com to find out what amount you can expect to get for your trade ahead of time. It helps to have a final amount in mind that you are looking to spend for the new vehicle, with or without a trade-in. Many dealerships have websites that show their current inventory automatically, so you can know what they have in stock before you physically visit them.

Financing options are important to any consumer who is going to need financial assistance with purchasing a vehicle. You can either be prepared by getting pre-approved from your own financial establishment (a bank or credit union), or you can go through whatever financing options the dealership offers. Many dealerships have relationships with local banks and credit unions that will help you get the car you want. It's a nice benefit when dealership offer several financing options to choose from.

Finally, each dealership and really each salesperson at each dealership has their own personality. You will feel most comfortable with someone you fall is trustworthy. If you do not get along with, or feel assured by, your salesperson or dealership, there are most likely plenty of other dealerships that are hungry for your business and will treat you well. You are the ultimate decision-maker, and you have the right to make whatever choice you want. Purchasing a vehicle can be done in one day if that's how you want to do it, but if you would rather start by simply looking around and doing some window shopping, no one should be able to force you into making a rush decision. You will be happiest with a vehicle that was a well-planned purchase from a dealership that was respectful of you and your budget.



Source by Jason J Junge

4 Online Games with Free Trials

The world of online gaming can daunting to new players. Not only are there about a bajillion games out there rivaling for your attention, but the prices of the games can often dissuade new players who want to try the games out. Not only that, but going to the store, buying the game, installing it and then signing up for the subscription can be a pain. Luckily for you, lots of online games now offer free trial periods. You can go to the links listed below, download the game, and play the game for free for a week or more. But be careful. These games are notoriously addictive. Before you know it, you may find yourself spending hours of time exploring a new world you had not known exhausted.

  • City of Heroes: If superheroes and mega-villains are your speed, you'll definitely want to check out City of Hereos / City of Villains. This super-hero MMO allows you to create your very own character complete with skin-tight clothes, capes and all the world-shattering powers you'd expect to find in a world populated by heroes and villains. Get your 14 day free trial by going here: [http://www.cityofheroes.com/promos/covfriendpass.html]
  • Lord of the Rings Online: The world of Middle Earth comes to life in The Lord of the Rings Online. Explore the world of Gandalf, Frodo and all the nasty beasties of Mordor with the 7 day free trial. Go to: http://www.lotro.com/trial
  • World of Warcraft: The most popular online game in the world, World of Warcraft has over 10 million subscribers. That's 10 million people who run around the absolutely massive world of Azeroth. They explore, fight, cast spells, and all sorts of stuff you would expect to see only in the movies. Try it free for 10-days by going here: https://signup.worldofwarcraft.com/trial/index.htm
  • Eve Online: Space. It's a big place. And if you want to explore it, you can do so in Eve Online. Create your own avatar and pilot your ship through the vastness of space. Hunt pirates, mine asteroids, trade goods between systems, or form your own corporation to contol the universe with unrestricted greed. Try it out with a 14 day free trial: https://secure.eve-online.com/ft/?aid=102321&bid=&nogreet=1



Source by Alistair McMaster

Terms and Conditions of Auto Insurance

Based on the high rate of accidents which happen each year, it is imperative that anyone driving a car whether it is your car or a friend’s car must have an auto insurance policy even if it is the least of all insurance policies available.

An insurance covers the policyholder and in most cases it covers other people who use the car or the driver. However if the car gets into an accident which is not in the interest of the policyholder, or in violation with the agreement between the policyholder and the insurance company, the insurance policy will not cover the damages from such accident.

In instances where the insured vehicle gets sold to another person, the new owner is covered by the third party liability Insurance and also by the comprehensive car insurance policy (if there is any) within a period of 3 weeks after the change of ownership. When there is a new active insurance policy, all deductibles under the insurance will be paid by the new car owner.

Auto insurance does not cover damage to vehicles in company possession for purpose of sale

Depending on the car insurance policy agreement between you and your insurance company, there might not be a need for you to notify them when the terms in the policy agreement changed. The consequence of refusal to notify the insurance might be forfeiture indemnity and compensation if an accident occurs or reduction of the indemnity and compensation or lapses in the payment if indemnity and compensation.

Therefore to avoid the consequences stated above, whenever there is a change in the policy information notify your insurance company immediately.

You can purchase the same auto insurance from two different insurance companies without terminating the initial insurance with the first company but when an accident occurs, the agreement in your car insurance policy will applied, and this may mean that both companies pay half is the cost for the accident each.

Another important thing to note regarding auto insurance is the deductibles which are based on the agreement in the auto insurance policy. Deductibles are deducted only once in cases of an insurance event involving both third party liability and damages under the comprehensive auto insurance.

No deductible will apply in situations such as:

1. Damages from a known liable tortfeasor

2. Damages from fire, explosion, lightening or theft

3. Damages from items falling on the car.

Furthermore, there will be additional deductible if there is driving damage to the car by another person other than the policyholder, or any registered user of the three car under the auto insurance policy.

There are certain accidents which your auto insurance policy may not cover. Under the liability insurance, your auto inside policy does not cover;

1. Injury to the driver

2. Damage from the carriage of goods by road under the acts of contract

3. Damage to attached vehicle

4. Damage which occurred at the time the vehicle was rented out unless it can be proved that the damage is as a result of occurrence which is in accordance with the auto insurance policy

5. Damage to items belonging to the driver, policyholder, anyone stated in the auto insurance policy it a regular user.

The following accidents are not covered by the comprehensive auto insurance:

1. Damage resulting from weather conditions

2. Damage car parts during repairs unless it can be proved the damage had occurred during the driving or by fire

3. Damage in the electrician and mechanical parts the vehicle, unless it can be proved the damage occurred in accordance with the auto insurance policy

4. Damage resulting from reckless driving i.e. Overheating or no change of oil

5. Damage which occurred while the car was rented out

6. Damage which occurred from intoxication of the driver

7. Damage caused intentionally by grid negligence

8. Loss of the car due to seizure of the car by law enforcement authority

9. Damage under warranty and guarantee

10. Damage from usage of the car such as wear and tear, scratches on the car body and so on.

Duration of the auto insurance policy is based on the agreement between you and the insurance company. Most auto insurance agreement are annual and are renewed yearly unless it’s canceled in writing by the policyholder or the insurance company with a month’s notice.



Source by Mike Heuer