Professional Indemnity (PI) Insurance is developed to safe you in the case of expert issue. In the course of your working life an example may take place where unfortunately, the expert capability you existing is considered low quality. In this scenario, a frustrated buyer may look for some kind of arrangement, developing reasonable results for you and your business. This is where PI Insurance comes in: it provides reasonable service for service costs, withheld service service fees and any arrangement which may be given against you. Simply, Professional Indemnity Insurance is reasonable defend against expert issue.

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Professional Indemnity Insurance is designed to safe you when a problem arises with any professional work you have done. In the present legal cases way of life, this form of insurance is becoming progressively more appropriate for a range of employment.

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DDN, Dunh! Transparency running scarce...

We've talked about health care pricing transparency from the very earliest days of the blog:

"The Illinois Department of Health will publish the average charges for as many as 30 common outpatient procedures ... According to a recent survey, 85% of Prairie State voters said that such information would “affect their decision” in health care matters, and 75% agreed that such disclosure would “create competition, lower prices and improve quality.”

So one supposes it's nice that my hometown newspaper finally gets around to noticing it, too:

"Even as consumers shoulder a greater share of the cost of surgeries and procedures, they often find it hard to come by the price data they need to make smart health care decisions upfront. Many have no idea what a procedure will cost them — and their health insurance company or the government — until the bills arrive in the mail."

Frankly, there's no real excuse for this: almost every company has some variation on the Navigator available to its insureds.

Of course, the rocket surgeons in DC are equally clueless:

“When we contacted hospitals and physicians to obtain price information for two common services (diabetes screening and knee replacement), we generally received only incomplete estimates,” the GAO said."

Really?

Yes, it would be grand if we could, in fact, implement the McDonald's Model. The problem is that most health care consumers are using (at least a few of) other people's dollars to pay for that care. The bottom line is that, until we pay directly, we need to rely on the tools we do have available. The good news, as mentioned previously, is that they are readily available from most carriers.

But that's apparently not good enough for the brain trust at the DDN:

"Neither the insurance companies nor the hospitals would give the newspaper that information ... [the DDN] obtained that data by finding Anthem Blue Cross and Blue Shield and UnitedHealthcare members who were willing to share information from their insurers’ respective price comparison databases."

The stupid is strong in this one:

"The payments vary widely."

No kidding.

But that wasn't really the point of the article, was it, Ben?

Wasn't the point that the information was unavailable before the care was provided? Yet you just shot that point in the foot, since it obviously is available to consumers who bother to look for it.

Words fail.

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Another Ma$$Care Post

According to 24/7 Wall St, Bay State citizens now "enjoy" the highest state debt (per capita) of all 58. At an eye-popping $11,357 per, folks in Massachusetts have 17% more debt than runner-up Alaska (at a "mere" $9,505). Of course, Alaskans are only now having to deal with ObamneyCare©, while Bay Staters have suffered under its predecessor for years.

The good news is that, pretty soon, we'll all share in the joy of higher debt as ObamneyCare© continues to roll out (and over).

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Even More Swedish Meatball-Medicine

Looks like Sweden's still more competent fielding a Bikini Team than providing health care. Proving they're not sexist when it comes to denying care - the last few outings included abandoning a little girl and an old woman - Swedish bureauweenies have decided that a man whose legs have both been amputated may not have a "permanent" disability.

Who knew they'd grow back?!

Evert Stefansson sure didn't but "the local health authority remained "uncertain if the impairment was permanent." And so his request for a powered wheelchair has been denied.

Good thing that won't happen here, right?

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Student Health insurance still sucks...

A while back, Bob posted on why so-called "student health insurance" is such a bad deal. For one thing, it's over-priced, and offers limited coverage, especially if you end up ill at the end of the school year.

This is somewhat ameliorated by ObamneyCare©'s provision making it possible for "children" to stay on their parents plan until age 26.

But what if the plan itself has an internally self-contradictory mechanism that both offers coverage but then declines to pay out benefits under it?

Hunh?

Here's the issue:

"A group of Fordham University law students has organized an off-campus birth control clinic in response to the school's policy prohibiting the prescription of contraception at its campus health centers ... [Fordham's] policy states: "The Insurer is required by law to offer this coverage and pay the Covered Percentage of the Covered Charges for Contraceptive Drugs and Devices."

So what's the problem?

Well:

"[M]any students ... were turned away when they tried to obtain contraception or a prescription for it at campus health centers."

And therein lies the rub (so to speak):

If one must buy the student health insurance (as many - most? - universities require), and the policy at once states that there's coverage, but limits that coverage to University-sponsored facilities which explicitly deny coverage for a product or procedure, than one is essentially paying for something which can never actually be covered.

Now, I'm not necessarily supportive of Universities providing birth control items, and I'm definitely unhappy with a law requiring insurance coverage for lifestyle choices. But it is (apparently) the law, and it seems to me that Fordham is blatantly flouting it.

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