What Are Health Insurance Deductibles? WPS Health Insurance, a Leading Provider of Individual Health Insurance, Explains Posted by on May 19th, 2012
What Are Health Insurance Deductibles? WPS Health Insurance, a Leading Provider of Individual Health Insurance, Explains
Madison, WI (PRWEB) April 30, 2012
Deductibles are a common feature of most types of insurance, from car to home to health. But what is a deductible? WPS Health Insurance, Wisconsin’s leading not-for-profit health insurer and provider of affordable group and individual health insurance, explains this term in a new article, “Health Insurance 101: What’s a Deductible?” now available free online from the WPS Learning Center.
Put simply, a health insurance deductible is the amount that a policyholder must pay toward his or her medical expenses before the insurance company begins to pay its share. “It’s usually a calendar-year amount,” said Jim Baird, vice president of individual sales at WPS Health Insurance. “So at the start of each year, the deductible resets and the policyholder is once again responsible for paying that amount toward his or her medical expenses.”
“Let’s say you have a health plan with a $ 1,000 deductible,” said Baird. “After a stay at the hospital, you have a medical bill for $ 25,000. You would be responsible for paying the first $ 1,000 toward those expenses. After that, your health plan would begin to pay benefits for the remaining $ 24,000 according to the terms of your policy.”
The full article, “What’s a Deductible?” explains deductibles in detail, including how:
+ Many preventive care visits (such as routine exams, well-child visits, screenings, and immunizations) are not subject to deductibles
+ Deductibles differ from copays, another type of cost-sharing with which they are often confused
+ Raising your plan’s deductible is usually a good way to lower your premium (the amount you pay, usually each month, to maintain coverage)
+ Family plans often have different types of deductibles—and one type in particular could save you lots of money
The article also includes information about HSA-qualified, high-deductible health plans that give members their very own Health Savings Accounts from which they can pay for qualified medical expenses tax-free.
WPS encourages individuals and families looking for more valuable health and insurance-related tips and strategies to check out the WPS Learning Center and the WPS Health Center for free articles on controlling costs, preventing illness, making wise health decisions, and other timely topics. For questions or to request a quote for a high-quality individual or family health plan from WPS, please call 1-888-245-4197 to talk with a friendly representative.
About WPS Health Insurance
Founded in 1946, WPS is Wisconsin’s leading not-for-profit health insurer, offering affordable individual health insurance, family health insurance, high-deductible health plans, and short-term health insurance, as well as flexible and affordable group plans and cost-effective benefit plan administration for businesses. The WPS Medicare division administers Part A and B benefits for millions of seniors in multiple states, and the WPS TRICARE division serves millions more members of the U.S. military and their families. In 2012, the international Ethisphere® Institute named WPS one of the World’s Most Ethical Companies for the third straight year. WPS is the only health insurance company to earn this distinction multiple times. For more information about WPS Health Insurance, visit http://www.wpsic.com.
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One Stop Green Releases Online Tool to Allow Users to Create and Manage their Own Green Projects Posted by on May 19th, 2012
One Stop Green Releases Online Tool to Allow Users to Create and Manage their Own Green Projects
Houston, Texas (PRWEB) May 18, 2012
One Stop Green releases its new online tool that allows users to create and manage their own green projects. The green project manager provides tips, tools, products, budgeting templates, and even financial options to show the full costs and savings that should be considered in any green project.
The Energy Savings Calculator takes a user’s location plus data on sunlight, rainfall, and wind speed to calculate how much energy a user can generate from renewable resources. By putting in your average monthly electricity use, desired efficiency, and the cost of your electric bill, the Energy Savings Calculator will display your expected annual savings. In addition, the Energy Savings Calculator can display how much energy you will save by switching from incandescent bulbs to more energy efficient bulbs as well as calculate your potential wind and water savings.
After creating a project profile with One Stop Green, where you answer questions about your property and outline what your goals are, climate data and other inputted information is displayed on the Green Project Page. Users are easily able to download templates, budget sheets, and other tools and resources and even schedule an energy audit or ask an expert should they have any questions. Take your Green Project a step further by first completing a free energy audit of your home via the One Stop Green mobile app. Download the app and select the Conduct an Audit section to name your project and do a complete energy audit of your home. Once you answer all the questions and complete the audit, you receive your Green Score that tells you how energy efficient your home is in a easy to understand format similar to a nutrition label. There is also a link to related Green Solutions and products on the One Stop Green website to help you identify problem areas and find solutions to address those problems and save money and energy.
One Stop Green, LLC facilitates environmentally friendly improvements to residential and commercial properties through distribution of green, energy efficient products and services. They offer every product needed for sustainable energy independence enabling homeowners, businesses and commercial property owners to master their usage by reducing waste and implementing efficient energy consumption methods. Their goal is to provide user friendly and practical long-term solutions to existing inefficiencies and their carefully selected products and professional installers offer a higher level of satisfaction and service for their customers.
Contact:
Nathan Kaufman
http://www.OneStopGreen.com
P: 877.449.9110|O: 713.541.2739|C: 210.846.5900
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CUBUS Solutions Debuts Online Banking Platform for Credit Unions Posted by on May 18th, 2012
CUBUS Solutions Debuts Online Banking Platform for Credit Unions
Livermore, CA (PRWEB) May 16, 2012
CUBUS Solutions, a leader in online banking solutions for credit unions, announced today CUBUS Online Banking, a true integration of online banking and the most commonly used functions in one view so credit union members – both individuals and businesses – experience an intuitive and seamless online session. The CUBUS Online Banking product surfaces online banking functionality such as viewing balance and transaction detail, viewing and paying bills, transferring money, paying anyone, viewing graphs of spending behavior and reviewing posted and pending transactions, all on one page. The platform helps credit unions drive more interaction, facilitate greater adoption of e-services and increase touch points with members.
“Instead of the notion of online banking just being a self-service, transactional kiosk, we believe it should proactively build stronger relationships with members. Our focus was to provide a solution that delivered value to both the credit union and the end user,” said John-Ashley Paul, CEO of CUBUS Solutions. “The response we have received from the market has been nothing short of fantastic. We are filling a gap for credit unions with what is truly the next generation of online banking.”
Combining actions like ACH transfers with other frequently used online banking functions are hot topics for credit unions. Instead of increasing the number of disparate systems to provide this functionality, CUBUS created a completely holistic solution “under one roof.” Built-in ACH tools and a host of other applications provide a seamless user experience that is easier to learn and faster to adopt.
In additional to the rich application set, credit unions will have the ability to add other CUBUS products that will plug-and-play into the platform. Credit unions can also integrate any third party application into the platform using the CUBUS single sign on interface.
Current CUBUS customers, FAA Credit Union of Oklahoma City and Diamond Credit Union of Pottstown, PA are the early adopters of the CUBUS Online Banking platform and have already started testing the product internally.
“What we saw in the solution was that it provided a solid framework and core that could help us grow and serve our members well into the future,” said Tena Rohrback, Executive Vice President of the 40,000-member Diamond Credit Union. “CUBUS Online Banking is not an off-the-shelf product and you’re done. It’s an extraordinarily robust solution that has a bright future because of the solid and secure foundation it’s built upon.”
Jef Fialkowski, Senior Vice President of IT for FAA Credit Union said, “A key feature for us was that other products from CUBUS will integrate seamlessly into the new online banking platform. We can consolidate functionality and integrate it tightly. This lets us create internal efficiencies and reduce the number of vendors we are dealing with. We can simplify the process of managing and integrating the technology that powers our online channel.”
Key Features
Full-featured internet banking account access including real-time balance and transaction information, check and statement images, online reporting and more
Best-in-class user experience and functionality including secure login and 128-bit SSL encryption, single sign-on, friendly account names, multiple users, session summary related links and more
Easy secure money movement via online bill payment and presentment, and real-time future dated or recurring funds transfer
For more information and extended product features and benefits of the CUBUS Online Banking platform visit http://www.cubussolutions.com/platform.asp.
Consumers continue to switch to online banking
The use of online banking is growing across all demographic segments of the US population. While younger consumers tend to be more active customers of these services, usage by older consumers is increasing. Overall, bank customers now prefer online banking more than all other methods combined. This year, 62 percent of U.S. adults polled named online banking as their preferred banking method compared to just 36 percent last year, according to a September 2011 American Bankers Association survey: Popularity of Online Banking Explodes: Bank customers 55+ now prefer online banking over branches.
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About CUBUS Solutions
CUBUS Solutions, headquartered in Livermore, CA, is a software company that provides powerful online banking applications to credit unions helping them better serve and retain their members through innovative service offerings, more efficient and cost-effective operations, and creative membership rewards programs. The company has a suite of cost-saving and green business software solutions specifically for credit unions which include electronic statements, electronic alerts, electronic notices, remote deposit capture, rewards checking, card cash back, loyalty points, and several other online banking solutions. For more information visit http://www.cubussolutions.com.
Mobile: 510.918.0331
Email: ginny@ginnycain.com
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National Write Your Congressman’s Five Things To Do to Get Ready for the Elections Posted by on May 18th, 2012
National Write Your Congressman’s Five Things To Do to Get Ready for the Elections
Richardson, TX (PRWEB) May 17, 2012
America is going to the polls in November and whether we touch a screen or fill in a ballot bubble with a #2 pencil, our votes are going to change the world. So, what do we do to get ready to vote? Here are five not-always-so-easy steps that can help you support your own cause.
1. Know the difference between fact and fiction. Myths, half-truths and downright lies about Congress, the president and just about everyone associated with Capitol Hill abound on the internet and are happily passed around by seemingly intelligent people. Don’t fall for them any faster than you would for a chain letter that showed up in your mailbox. And remember – chain e-mails can originate outside the country and inside prisons. They’re often calculated to turn Democrats against Republicans, Republicans against Democrats and everyone against the president.
2. Reliable sources abound. Check them out. When you want to know who said what, and who didn’t, don’t trust blogs or websites with titles like – HOW to STOP the DIRTY (fill in the blank) from Destroying America. Turn instead to major online and print newspapers and magazines and to National Write Your Congressman http://www.nwyc.com, Fact Check, Politifact and Snopes are also valuable tools. Compare reliable news sources and unveil your own truth.
3. Remember, TV newscasters love to shock your socks off. So keep your feet on the floor and watch out for dire predictions and wild speculation. Even well established news sources can slant the truth until it’s hard to find, Worst case scenarios are often touted as what’s most likely to occur. So, don’t believe everything you hear.
4. Don’t bury an issue before it’s dead. There’s a difference between an issue and a bill. The bill may have died, but the issue didn’t. Don’t think hot-button issues like immigration, energy, abortion and gun regulations are dead because a bill failed in one chamber or the other. If it’s hot, you can bet it will be back.
5. Write your Congress person. Americans have one representative and two senators in Congress. Let them hear your voice before they vote on an issue. Tell them how you feel about an issue that impacts your business, your family, YOU! You’re the expert in this case, not them. You’re the one living and working under the laws they’ve passed. So, let them know and see what they say before the election.
NATIONAL WRITE YOUR CONGRESSMAN (NWYC) is an unbiased, nonpartisan legislative research firm based in Richardson, Texas. For over 54 years, NWYC has been bringing constituent opinion to Capitol Hill.
If you have any questions or would like tips on the best ways to contact your congressperson, please contact:
Vice President Legislative Affairs, Charles Huston [charles.huston(at)nwyc(dot)com]
Publications Editor, Carol Craver (Direct Line: 214-466-2388, [carol.craver(at)nwyc(dot)com]
National Write Your Congressman. Phone: 214-342-0299 or 214-466-2388. Fax: 214-324-2455. http://www.nwyc.com. or research@nwyc.com 2435 N. Central Expressway, Suite 300, Richardson, TX 75080.
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Charity Navigator Awards Center for Great Apes the Prestigious Four Star Rating – Timing Ideal as Sanctuary is Raising Funds to Accommodate Two Orangutans from Iowa Posted by on May 17th, 2012
Charity Navigator Awards Center for Great Apes the Prestigious Four Star Rating – Timing Ideal as Sanctuary is Raising Funds to Accommodate Two Orangutans from Iowa
Wauchula, Florida (PRWEB) May 17, 2012
Charity Navigator, the nation’s top charity evaluation system, has once again awarded the Center for Great Apes, a permanent sanctuary for chimpanzees and orangutans, the prestigious four-star rating for sound fiscal management, accountability and transparency. Only 25 percent of the charities reviewed by Charity Navigator receive the highest four star rating. The coveted rating came at a great time as the Center for Great Apes is currently raising funds to complete the construction of two new habitats to accommodate two recently rescued orangutans from Iowa. The cost of the two habitats is $ 230,000 with only $ 53,000 still needed to complete the project.
Patti Ragan, founder and director for the Center for Great Apes, said “We are really proud to have earned the four-star rating again. We are dedicated to providing the most enriching, safe and healthy sanctuary possible for the orangutans and chimpanzees we have rescued. It takes a determined team to do this from our board members and caregivers to our volunteers and donors. It is because of their support and the support of the members that we are able to protect these incredible apes.”
Charity Navigator rates nonprofit organizations to provide donors of all levels with reliable data about the impact, efficiency and fiscal health of charities. Charity Navigator analyzed the Center for Great Apes’ performance in seven financial metrics: program expenses, administrative expenses, fundraising expenses, fundraising efficiency, primary revenue growth, program expenses growth, and working capital ratio. It also evaluated the sanctuary in several accountability and transparency performance metrics, giving the Center for Great Apes an overall four-star rating. Ratings are provided so that givers can make intelligent giving decisions, and so that the philanthropic community can more effectively monitor itself.
Charity Navigator’s review of the Center for Great Apes is available at
http://tinyurl.com/7mhsjn2
About Charity Navigator
Charity Navigator is an independent, non-profit organization that evaluates American charities, with the stated goal to advance a more efficient and responsive philanthropic marketplace by evaluating the financial health and performance of America’s charities. The evaluation system rates nonprofits between zero and four stars, enabling people to access relevant information before they make a donation or further interact with a charity. For more information visit http://www.CharityNavigator.org.
About the Center for Great Apes
Center for Great Apes, founded in 1993, provides a permanent sanctuary for orangutans and chimpanzees that have been retired and rescued from the entertainment industry, from research, or from the exotic pet trade. The Center provides care with dignity in a safe, healthy, and enriching environment for great apes in need of lifetime care. Our sanctuary home is located in Wauchula, on over 100 acres a few miles from the beautiful Peace River in south central Florida. Routine health checks, periodic physicals, and when necessary, emergency care are handled in the Arcus Great Ape Health Center. For more information visit http://www.CenterforGreatApes.org or http://www.facebook.com/CenterForGreat
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