Errors to be avoided in making the best Medicare Advantage plan

It was a heartbreaking meeting … sitting with a couple on their kitchen table, tears flowing both. He was very sick, he was quickly weakened by digestive problems and his constant migraine headache was so painful that the end of his life seemed the only way to live without pain. To say that they are afraid will be understatement. Physicians associated with his Medicare Medication Part C (Medicare Part C) plan can not diagnose the problem. They have prescribed more drugs, which complicates their problems. Above his medical puzzle, the plan denied medical tests that may have diagnosed him exclusively with the problem. October 2011 and through their tears painfully asked, "What are our options?"

In this case, together, we decided that it was in his best interest to move to a Medicare Plan (MediGap) that would allow him to go to any doctor or institution that received Medicare, along with "Stand alone Part D Drug Recipe Plan ". It is important that he can look for the best of the best, anywhere in the country. We chose a "plan for additional payments" with a carrier that would allow him to move between a lower and higher cost plan without providing insurance (if he decides in the future to keep the supplement plan after his current medical jigsaw puzzle) . Could he have avoided this problem first? Here are some mistakes I've seen along with the solutions to help you choose the right option for you:

MISTAKE # 1: Who do you work with?

* Work with a "retirement agent" (direct employment with the carrier, multiple compensation from W2, responsibilities and / or bonuses) or work with an "independent career agent" (1099 contractors with the carrier and wired). The last term is very confusing for me. They are classified as independent, but if they make an application with another carrier as this was the right for the beneficiary, their contract may be terminated. What incentive agent should be non-partial if it loses its leading source?

** Another mistake is working with an agent who is not certified to market all Medicare health plans. They can only release "some" MediGap plans complete plans without certification.

*** You go directly to the insurance carrier. If something goes away, it will be useful to have an advocate on your part, especially one that you can see and live in your community. DECISION No. 1:

* Choose an independent insurance agent representing more than one insurance carrier. Why? As independent agents will know the pros and cons of all plans and will be able to pass on this information so that you can make an EDUCATED choice. They receive compensation from insurance carriers, but they have no loyalty to a particular company. Also watch out for carriers that force their "independent agents" to sign an exclusive rights agreement. I saw this happening with "Double Perceptible Plans" (Medicaid / Medicare Plans). Again, how can the agent not be partial & if they are contractually obliged to offer only one plan?

** Select Medicare Insurance Certified Medicare, who is able to market Part B, Part D, and MediGap Plans. They have additional training and supervision.

*** When you go directly to the carrier, you eliminate a valuable person who will fix the problems, if any, while providing you with extra peace of mind in the process. MISTAKE # 2: Select a Medicare Benefit Plan that requires you to obtain the approval of the insurance company before conducting a procedure / test.

DECISION No 2: When comparing plans, go to the "Summary of Advantages". All carriers must post these and they should be the same and easy to compare. ERROR # 3: Not paying attention to "the maximum from the pocket" (MOP). All Medicare Advantage plans have a MOOP, and many agents glare over it by helping you choose your plan. However, if a catastrophic medical problem arises (cancer, organ transplantation, long-term residence at a qualified medical center, etc.), there is a good chance to hit MOOP to make sure it is as low as possible, Cause: Chemotherapy and anti-rejection medications are considered part B outpatients that are not part of D & prescription drugs, and many planners pay only 80% of Part B drugs. Therefore, you will be on the 20% hook and they are very dear. DECREE # 3: Compare, compare, compare and select a bottom MOOP plan. ERROR # 4: Choosing a plan just because the medicine it pays is a little lower. Far fewer insurance companies will lure you with their very low co-pay plan on their medication form but have a smaller network of doctors / facilities to choose from. The problem is that if a medical problem arises, you may be locked in the smaller network of doctors / institutions until Medicare's annual discovery. SOLUTION # 4: If you have problems with paying for prescription drug and your income / assets are low enough, you may be entitled to additional social security assistance. A good insurance agent will bring you this and will guide you, or go to https://secure.ssa.gov/i1020/start. With the help of mediation you can choose the best plan based on other options (size of their network, authorization rules, doctor / facility convenience, additional additional benefits, etc.)

ERROR № 5: Choosing a plan because you want a PPP plan rather than an HMO. Decision # 5: Many people are under the misconception that with a CVT plan they can go to any physician / facility they choose. In fact, PPP plans still have a network of physicians / facilities where you have to stay to get lower costs. The biggest difference between PPO and HMO is with PPO, you will not need to receive a "referral" to see a specialist. You should receive a referral with HMO. In order to be able to select WHAT IS A TITLE / facility in the country that receives Medicare, you should consider a Medicare Supplement plan (MediGap).

I saw most of the mistakes and solutions when it comes to choosing Medicare Advantage Health Plans. Outside of California, there are additional varieties of plans and may be additional challenges.

What happened to my client? As I keep in touch with my clients, in June I was pleased to hear him speak out the splendid news. With the same test that was rejected by his previous plan for medication, two doctors from a large medical group in Los Angeles have identified the problem. It slowly ran out of the spinal fluid and was dangerously close to no one remaining. With a quick ambulatory procedure, they mainly laser-bond the flowing area, replace their spinal fluid, and they are healthier, happier and better than ever! Since he is already well, we will review his coverage during Medicare's Annual Medicare Outbreak (October 15 – December 7, 2012) and we will decide whether to keep it on the gadget or switch it to Part C Medicare Advantage Plan .

As an insurance agent for many years, I have stories like this and many others. With compassion, our profession helps you orient yourself in the best options, explain the pros and cons based on our clients & individual needs and tranquility. Plans change every year and your health / financial status may also change, so it's a good habit to make a comparison every year. In conclusion, choose a good, local, independent insurance agent, get trained and stay well informed!



Source by Debbie Hoffman

Green Insurance – nine reasons it makes sense

There are many types of insurance for your home and car, and choosing the right type can be difficult. A fairly new product line now offered is Green Insurance, which takes into account the sustainable characteristics of the family to provide insurance discounts or provide reinvented green insurance in the case of claims. Here are nine important factors that make green insurance your best choice:

  1. It's cheaper! Not only can you get a 5-10% home insurance discount, you can also enjoy car insurance. Your teenage son’s $1,500 a year is just a little less painful. You don't even need to drive a hybrid to get these discounts – just having a green home is enough for some insurance companies to offer discounts on home and car insurance.
  2. It rewards what you have done. If you bought a green home, why not take advantage of discounts on the market?
  3. Your current insurance provider may have provided you with an option. Traveler Insurance, Liberty Mutual, Fireman's Fund, Lexington, etc. provide insurance products for green consumers.
  4. You can buy insurance for your bike. Bicycle Insurance – How much green can you get?
  5. This is not just a gift from an insurance company. The State Regulatory Commission requires a reduction in risk and a reduction in claims for discounts, which means that you are not only attracted to the company's cross-selling promotions.
  6. Do you drive a hybrid car? How about an electric car? Green car insurance (not to mention interest rate discounts for local credit unions) is becoming more common.
  7. Not green but want to be? If you have a house that doesn't have green features, but wants to build green in the future, you can get an insurance policy rider that will rebuild your home green standards in the event of an accident. For example, if you have an older refrigerator and you have a large kitchen fire, you can replace the refrigerator with an ENERGY STAR model instead of a low performance refrigerator.
  8. Concerned about your carbon footprint? Some insurance companies will reward you for reducing emissions by offering additional discounts.
  9. Save money, feel better about your financial choices, and help save the planet once!

Call your insurance company today to ask questions about green insurance. With so many positive factors, this is definitely in your best interest.



Source by James D Gray

The price of dental implants – what is the real price of dental implants?

Expenses for dental implants vary. For example, for the two teeth just to the front teeth, the price of dental implants has reached $ 6,000. This included the cost of dental implants and the crown. Dental implant pricing ranges from $ 2000 to $ 4500 for a restored tooth supported by a dental implant. But the price may increase considerably when extra procedures (bone grafting or sinus lift) are needed

It is worthwhile to go for consultation because each case is different depending on the missing tooth. Your dentist will determine if you have enough bone to maintain a posture on the implant. Some people will need gums, infections, and so on. It is better to make the implant as soon as possible after loss of the tooth to limit bone loss in the jaw where the implant will be placed.

Bone grafts are usually covered by dental insurance. So the price of dental implants collapses. Most dental insurance does not cover dental implants, but they pay some money based on this if you would have a bridge instead. You can consult your dentist about this.

Why do people need dental implants?

The cost of dental implants is high, but people go for implants. People need implants to help replace the missing teeth that could be the result of illness, bad genetics, or an accident. This helps to restore the functionality of the missing tooth. It also helps to restore the smile, especially if the missing tooth turns out to be a front tooth.

After dental implant surgery:

The first few days to a week after your tooth implant surgery will be a bit rough, resting to pain. You need to be careful to protect your implant from impact. Avoid eating solids until implants heal completely. If you do not take enough precautions, expensive expensive implants can fail and this can be a big blow.

Complications and Costs of Dental Implants:

Implants can fail for various reasons. To minimize failure, choose a dentist with a lot of experience and good training. Otherwise, the cost of dental implants will be nothing compared to the price you will pay to fix the problems.

A patient who went to a dentist who offered the lowest prices for dental implants, says that his jaw is broken in 7 different places. As a result, her fully healthy tooth had no support, and most of her upper teeth just fell. Instead of a tooth implant for which she went, she had to have 8 implants to another dentist, not to mention the extra cost, pain, trauma, and loss of taste in her mouth. At the age of 27 there is a mouth of artificial teeth. This is an exceptional example, but it can happen if you go after the lowest price and do not check other aspects.

Choose a dentist who has experience and offers reasonable prices for dental implant costs.



Source by Vanessa Jones

Preparing for long-term travel

Preparing for long-term travel

Traveling abroad is an art. It requires a smart plan, courage to make and persevere. When planning your dream journey, you must take a path between over-analysis and less-than-happy ignorance (Sudan's summer, anyone?).

Before booking a trip, you should consider some things, the most important thing is to decide where to go and when to go.

Where to go

After dreaming about traveling around the world in a cube and daytime, most people already have a good idea of ​​where they want to go. This is a personal choice with amazing sights and experiences on a global scale. If you plan to have the system pay for your trip, the main factor in deciding where to go is your budget.

What is the cost of the world
These figures assume something. First of all, you travel slowly (no more than once every four days). Secondly, you live in a clean, basic accommodation. Although it is certainly possible to rent a $3 room in Cambodia, most people who are mature enough to run a business want a little comfort. The room we said had a bathroom, hot water, shower, towels, a bed and a TV… but nothing else.

The following prices consist of two people, including food, room, laundry, toiletries, visa and land (usually local) travel:
o Southeast Asia: $50
o UK and Ireland: $100
o Australia and New Zealand: $80
o South America: $55
o Africa: $60
o Western Europe: $90
o Eastern Europe: $65
o Indian Subcontinent: 40 dollars
o Japan: 90 dollars
As you can see, the cost may be very reasonable, far more reasonable than the cost you are currently paying at home. However, you need to go somewhere where your system can withstand.

If you visit third world regions such as Southeast Asia and India, you can escape your home faster and live better. Although we have visited the UK many times, my wife and I have a long way to go from London! Another more powerful reason to initially enter the third world is: a new perspective. If you are reading this article, you may grow up in the Western world. When you board the plane, you will undoubtedly be prepared for change, and the transition from the First World to the Third World will be as open as the transition from workers to entrepreneurs.
All in all, their calculations are quite close to my personal experience.

Tips for saving money

These are some tips I learned from travel agencies and personal experiences. There are many ways to extend your budget:

o Buy tickets in advance or last minute. Many people are saddened by the rising cost of flying because they should buy the damn thing a few months ago and save a bundle. This is my budget travel rule: If you know where you want to go, please buy tickets in advance, if you don't know, please buy at the last minute. For example, there is currently a special discount flight from San Francisco to Hungary, with a last minute of $300. Are you planning to go to Hungary? No, but when the opportunity arises, you should accept it.
o Slums, then go all out. My wife and I rode through Ireland without breaking the bank, but we lived in a quality bed and breakfast (including an old Irish castle). How did we do it? Simple: In a prime location, we stayed for two nights every other night. Once we arrived at our room for the night, we cleaned up and had a great time. The next morning, we staggered on the road. According to this method, you can only miss a shower for one day…
o Change your drinking habits. My biggest dissatisfaction with budget travel writers is that they stupidly note that you should sacrifice a cold beer in the name of saving money. There are better ways to save a dollar during your trip. What you should avoid is the bar. You can buy cheap cold beer or local spirits from the bottle (or strangely, 7-11 years old). I found myself thinking about buying a can of Guinness beer in Thailand instead of spending it at home! That's right, this is the Irish pub in St. Louis. Patrick's Day, but come on…

Health: Avoiding problems

Vaccination

You need to start some vaccinations at least two months before departure. Several vaccinations require three to four visits, two to three weeks apart. Here is a short list of the most common vaccines required (or highly recommended) for travel worldwide:
o Hepatitis A and Hepatitis B (if possible, combined vaccine)
o Japanese encephalitis
o Spinal cord Polio, diphtheria and tuberculosis
o rabies
o Tetanus
o typhoid
o yellow fever

malaria

Although there is no malaria vaccine, there are many anti-malarial pills you can take help Fight disease (although they are not 100% effective). Please consult your doctor to find out which prescription is right for you. You can also visit www.malaria.org for more information.

To get these vaccines, visit your local travel clinic or contact your doctor. If you are currently employed, please check if your benefits include vaccination. Thanks to the health insurance provided by my previous employer, I was able to save more than $700 in vaccination costs. Talk about the severance package!

Food
When it comes to food, I follow some simple rules:

1. Eat in a restaurant with lots of people and high turns. This may mean that the food is fresher.
2. Eat cooked food. Try to avoid any raw vegetables and raw fish. Fruits and vegetables that you can peel are a safer choice. If you don't get enough fruits and vegetables, consider carrying a vitamin tablet.
3. Do not overdose. If you fill your face with contaminated food, you will feel much worse than eating a smaller part. The only two times I was sick abroad was shortly after eating three to four dishes at the high-end steakhouse.

Water

Depending on where you travel, you may need to carry a water purification system. I use the Steripen Adventurer UV Purifier. The same size as a screwdriver, this amazing tool can purify a liter of water in one minute using an ultraviolet bulb and a lithium battery. Although it's not cheap – the retail price is about $130 – Steripen is both light and effective. Keep in mind that it does not apply to ice, which is a common cause of travellers getting sick.

If you plan to buy bottled water at sea, keep in mind that many merchants use used water bottles in local water and resell them. If the plastic seal is broken – usually – you may not want to drink it.

Traveler's diarrhea

Traveler's diarrhea has 30-50% of overseas visitors in the first two weeks, and is often accompanied by vomiting. In other words, don't be surprised if you leak out from both ends… this is natural. The best way? Accept counter antidiarrheal medications or antibiotics (rather than just plugging your stuff), drink plenty of water, lower it, and let good or bad time flow. Symptoms should disappear within a few days. In addition, please contact your doctor.

Bundle loose ends
Before you get on the road, you need to close the store. While most of these steps are not necessary for short-term travel, they are essential for long-term embarrassment.

o three – six months:
o get a passport (if there is no passport).
o Book your flight.
o Visit your doctor or travel clinic for vaccination. Check if your employer's health insurance covers them before you resign!
o Determine how to handle your living conditions. Consider renting your home. This saves you the hassle of storing your loved ones and brings you closer to paying off your mortgage. Most people interested in renovating accommodation work abroad for a year or more: perfect intentions.
o Make an appointment with the dentist, doctor and optometry appointment for one month before ensuring that you have a healthy state of health. This gives you time to deal with any cavities before you leave.

o One month out:
o Set the cancellation date for all insurance policies, credit cards and other miscellaneous items.
o Close all unnecessary accounts (such as bank accounts and department store accounts).
o Register online banking (if you have not already).
o Set the post office's forwarding address to a friend or PO box in your name.
o Find someone to rent a car when you are away. Make sure they get insurance and draft a car rental contract.
o Go to the dentist, doctor and optometry appointment.
o Get traveler insurance.

o Two weeks out:
o Notify your employer for two weeks.
o Send a copy of your passport, driver's license, insurance policy, credit card and any other important information you may need when you leave.
o Get a traveler's check and email it to your own secure number.
o Notify your bank that you will use a credit card to shop abroad.
o There is a garage for sale. If you are unable to sell most marriages, please re-sell the garage next week. My wife and I spent more than 1,500 US dollars in two days to deal with our things in Southeast Asia for more than a month. If you can't sell your stuff, check out the storage unit.
o If applicable to your first country, please obtain a visa.

Remember, you don't need half what you think you've done, it's a truth that applies to the important steps in preparation: packaging for long-term travel.

What (not) to pack
Before departure: Create a list of items to take. The maximum should include:
passport
driver's license (international if possible)
airline / train ticket
credit card, traveler's cheque and US dollar
copy of important documents
youth hostel card
scuba diving certification (if applicable)
passport photos (1 or 2 per country)
money belt
a small day bag
sunglasses
a good book
Pen and notepad
Skype laptop and headphones
two pairs of lightweight pants
a pair of shorts
three shirts (one out)
1 pair of sandals
1 pair of shoes or boots
Underwear
Swimsuit (if applicable)
Cosmetics
Silk sleeping bag (not sleeping bag)
Sewing kit
Nail clipper
Earplugs
First aid kit
Swiss army knife [19659003] Property will only bind you. For example, let's say you bought a brand new digital camera (very likely) before you travel. Of course, this is a great way to record your experience, but it is much more important than you think.

You have to think twice before you fear that someone will steal it. Crossing a river may destroy it. Strangers become a potential threat.

These are just tangible things. The worst, and most common, it will let you really experience a place before you reach the camera. This effectively removes you from your surroundings, so you can't really get anything.

Why Einstein is wrong – How to travel
The theory of relativity states that as speed increases, time will slow down. For example, imagine that when you stay on Earth, a friend flies through the solar system on a spaceship. Einstein proves that your friend's clock seems to be much slower than your own clock.

Sadly, the opposite is true when traveling. Those who are close to the speed of light or at least the sound of the home do not seem to know where they have just been. The location is just a checkbox in the itinerary, which is an experience that is not worthy of taste, but is shown to others. They developed the classic "If it is Tuesday, this must be Rome" syndrome. Speed ​​is not better, which is why you should not try to travel at the speed of light.
My suggestion is to travel at the speed of the sense of smell.

At the time of this writing, I was close to the Vietnamese market of less than five meters. In the five-day whirlwind tour in Vietnam, I will not notice the smell of boiling and the voice of the locals.
In order to truly experience the surrounding environment, you must slow down. While the guide may provide a hike that allows you to “do” a city in one day, it “feels” it takes longer.

Somewhere, we lost the place to travel. People visit pagodas, temples, churches, museums and art galleries not for personal interest, but for some misplaced obligations. If you are not interested in art, please skip the Museum of Modern Art. If you don't like sports, please forget the Superdome. Can't bear to bear witness to first-hand poverty? Don't go to India.

It is not to see the most popular attractions. About experiencing the things that most affect you.

Your first night abroad: Let it be a soft landing

Your first two days in any new area should be considered a transition period. Don't throw yourself into the mixture right away; book the hotel before departure and stay there for at least two nights. This will help you adapt to the new environment and sleep comfortably in the first few days. Your first few nights should not be concerned with travel plans, budgets or any other logistics… just unplug and rest as your body adapts to new attractions, smells and time zones.

4 am lunch time? How to deal with jet lag
There are several ways to combat jet lag, which is a common problem for travelers. It is definitely harder to beat than others; it takes me more than a week to adjust, and my wife needs a big step. Here are some ways to combat jet lag:
o Don't eat. Studies have shown that your liver needs more time to adapt to new time zones than to any other part of the body. If you don't eat for 12 hours or more, your body will adjust faster. If this seems too much, please try to eat at the clock of the intended destination a few days before departure (10 am for dinner, anyone?).
o Sunshine. The sun can help you set your biological clock, so the more the better. Exercise is also helpful.
o Pop up some pills. There are other over-the-counter drugs that can help solve the jet lag problem. Although I have no personal experience with them, I and No Jet Lag vowed to say some people.

Stay in touch
Now that you have freed up the time and place, you need to monitor your system and keep in touch with your loved ones. The following are a few important tools for maintaining your system abroad.

Poste Restante
A good way to pick up a care kit from home. Get the main post office address in your town (or coming soon) and have people send your mail to the following address:

Last name, first name
Poste Restante, General Post Office
Town, Country

When you arrive at the post office, simply present your passport as proof of identity and you will be able to pick up the mail. In general, post offices around the world will hold mail for up to two years.

Blog
A good way to stay in touch is to start a travel blog. You can do this using a free service like Blogger.com or WordPress.com; both are free and can be completed in a few minutes. By creating a travel blog, you can avoid sending group emails, which are always considered mandatory rather than versatile. In this way, people who are truly interested in your trip can view you at any time, post comments and attract others to your blog.

In addition, blogs allow you to be more creative than sending emails. You can include pictures, videos, polls, international clocks, maps and a range of other custom settings, all of which can provide excellent scrapbooks after your trip.

The best word of the year: Wifi
Wireless is the name of the game. Over time, connecting to the Internet will only become more and more important, so you may be accustomed to ranking "free internet" higher than free breakfast, swimming pools and massages. Let's face it: You can now create a system that pays for your lifestyle, with no employees at all. There are no fax machines, cubicles, commutes and water coolers… so logging into your account to make sure money comes in doesn't seem to be too many obstacles, right?

Internet cafes are expected to run around $1-2 an hour. Since your business is internet based, you may want to consider using a laptop to travel according to your goals.

Laptop: Luxury or essentials?
If you plan to develop more systems while traveling, a laptop is required. You need to upload a web page to your website, conduct a telephone interview with a potential freelancer, and keep a close eye on your expenses and revenue streams. If you plan to only monitor or extend your existing system, you can use Internet cafes, although working in Chinese computer gamers is not a problem that can be solved.

Laptops also offer greater security. You don't know what kind of spyware (remember your keystrokes for future use) may be on a random computer. To explain gender teachers, a trusting, monogamous relationship is one of the best ways to avoid a virus.

Mobile
Although I personally do not use mobile phones, mobile services have been getting better, if you need to call those who do not use Skype, you can save a lot of time. For example, I spent thirty minutes looking for an international call and called my bank for two minutes.

Skype
You can make international long distance calls for free, and Skype does just that. Let your friends and family go home to sign up, you can chat freely through your laptop. Although banks and credit card companies still lag behind, more and more companies are joining the ranks.

An additional feature that may be used for some purposes is to be able to transfer a phone number from the United States to a foreign phone. If you are dealing with customer service issues, it is worthwhile to list the domestic numbers. After all, would you buy a product from a company that needs you to call East Timor?

Dragon Naturally Speaking
If it is not this software, then the book will never be written. For less than $30, you get the microphone, headphones and the ability to indicate your laptop. I am able to "write" with about 120 words per minute. Another benefit is that you can use your microphone and headset with Skype.

USB card
Absolutely necessary tool. Sometimes you won't be able to use your laptop to access the Internet, and the convenient USB allows you to back up your work.

Other technical miracles of foreign work
o GoToMyPC: This software allows you to access your home computer from any other computer in the world. If you don't want to travel with your laptop, this is the way to go. Remember that you have to pay for internet in the process, which makes it a better solution for short-term travel.
o World Electronics USA: Get information about global mobile phones. It is a good explanation of which GSM frequencies and "bands" are in which countries, which will determine the phone you buy for travel (and possibly your home).
o Universal Plug Adapter: I have purchased adapters in several countries to power our digital cameras and laptops, but if you are exploring several different locations, this can be cumbersome. This universal adapter creates wonders around the world.
o World Electrical Guide: This website can save lives when dealing with electronic products abroad. It breaks down voltage, wattage and a range of other technical requirements by country.
Use what you have learned and get on the road!



Source by Thomas Pride

Beware of Dear Lone Traveler

There are now a large number of travel companies that are on the World Wide Web. Most travellers want to escape at the lowest price and go directly to "cheaperosity.com", and then they even narrow their fantastic bucket list destinations! This can lead to disaster, or at least waste time and money in a place that won't shock you. Let us say that a friend encourages you to visit Nepal. You can't do anything, but you are a Google local tour operator. More than 1200 appeared. You choose "Yaks in budget travel" because they are cheap and you can send them a deposit via PayPal. Five months later, no one was greeted at the airport on arrival. Outside, Kathmandu attacks your senses, but you manage to call a taxi to a two-star hotel on the side of your youth hostel. No breakfast, the bed is not good. Your guide is lower than a heavy accent. You can enjoy a half-day tour every day instead of the full day promised in an AC-free truck. On each famous website, the tour guide said: “Now you need money to collect admission fees.” When you watch other travel teams happily leave the luxury car coach and head to the front of the line to get the best view, the story will continue 8 Disappointment of the day.

Gentle reminder dear travel enthusiasts – first study the information of the tour operator! Choose a reliable record with reliability. how about it? Read their company profile carefully. Is the company operated by the owner or by the travel agency? He does not want to serve as a fee, nor does he want to be a client? This is a cheesy website, the template block can be cut and pasted into your contact information, looks like something designed by teenagers? Be extra careful if you insert a stock photo instead of someone who really travels with the company.

Ask how long a travel agency operates. I will run for a year or less. Are they fully licensed and bonded? Do they have an IATA license and other credentials? Any report submitted to the Bureau of Business Improvement is a huge danger signal. Find comments on Google. Does the company have insurance to protect you in the event of an emergency? Learn that countless travel agencies will go out of business every year. If you paid for the trip completely and closed the store a week before you left, what protection do you have?

Consider companies that have successfully sent groups for a long time around the world. Looking for repeat travelers. Check out their website and feel the enthusiasm and integrity of their information. Seeing them use non-stock photos to show the true people on their trip. Browse hundreds of happy test books, each of which is honest and reliable. Spend time on the people who study your appointment. Find a company that can deliver on its promises. After all, this is a thrilling adventure and a timeless memory.



Source by Suzy Davis

Air travel tips for travelers with health problems or disabilities

Air travel to people with health problems, disabilities, disabilities or special needs can be challenging. The following air travel tips will help your flight and travel, whether domestic or international, easier, cheaper and safer.

When booking a trip, please ask for any cart, wheelchair service or any other means of transportation you need. Describe your limitations and needs. Get your ticket and boarding pass ahead of time so you don't have to wait in line. You will be able to arrange travel at a discounted price, get better travel deals, and avoid last minute travel hassles.

Discuss the type of restroom on the plane with your airline representative or travel agent. Call your airport to learn as much as possible about the airport's washroom and disabled parking.

You need to know how to board every airport involved in your trip. You may need other types of aircraft or alternative routes, so you can take the Jetways or Jet Bridge from the airport without having to worry about stairs.

One year, my mother and I flew out of San Jose Airport, California. We arrived and found that we had to reach the tarmac by wheelchair on the ground. The employees of the four airlines had to take my mother in a wheelchair and board the plane along the steep steps. This may not be possible if there is a weight problem.

Think about which seating arrangement is best for your needs. Does the aisle seat make it easier to go to the bathroom? You will want to avoid sitting in the emergency exit row. In an emergency, passengers in this trip may be asked to help others.

Let airlines and flight attendants know if you have any auxiliary equipment. Find the best way to store them so they can arrive without damage.

Always keep in mind how you can easily do things without help, and where you need help.

Can you transfer to your seat yourself? Do you need the help of a transfer committee or airline staff?

If you have serious health or medical problems, consider hiring a travel nurse. There is a network of travel nurses.

Can you describe your wheelchair, scooter or walker, size, weight, tire type, battery type, etc? You may need to bring a spare battery. You may also need to rent or purchase a travel wheelchair.

Be sure to mention to your travel agent or airline representative any auxiliary equipment you may need or have had on crutches and crutches. Do you need a slow pace or are you a slow walker?

If you will travel through different time zones, how will the time difference affect your situation?

Consider how the following will focus on your travel and discussion with your travel agency: upper body strength, communication skills, speech problems, speech problems, vision problems, hearing problems, calorie problems, medication needs, oxygen needs and dietary requirements, such as none Gluten food.

Try to book your air travel with an experienced travel agency or a travel agency specializing in disabled travel. There are a large number of agents in the United States, Canada, Europe, Australia and many other countries.

If you need them, I am also happy to know if there are any travel agencies, return trips, local resources or travel services that specialize in travel to disabled people.

At the airport, the airline's boarding staff knows that you may need extra time to board the plane. Sit near the door so you can be called first and then board at a comfortable speed.

After the plane has landed, never get off the plane until you see or have your aids, wheelchairs, and wheelchairs. The flight attendant must remain on the plane until the last passenger leaves. They will help you when you are on the plane, but once you get off the plane they will not be able to help you.

Make sure you carry your medication and spare prescription to the plane to provide the doctor's name, address, fax number, telephone number, medical diagnosis, the name and dosage of the medication you are taking, and any allergies you have.

Copy passport, air ticket, American Express traveler's check, credit card, any important documents.

Carry health insurance information with you on the plane. Know what you will do if you have a health problem or medical emergency on the road. Get travel insurance to ensure lower medical assistance costs. These urgent bills may not be on your health insurance policy. This allows you to use this type of backup travel insurance with confidence and avoid expensive emergency medical expenses on your travels. Emergency medical costs can be much higher than standard medical costs.

These air travel tips should provide good insurance and help your airplane travel, health issues, obstacles, disabilities or special needs, easier, safer and cheaper.



Source by Helen Hecker

About the fact of car insurance

Whether it is renting or renting a car, if this happens, anyone has to worry about paying compensation for the rental vehicle. For this reason, there is car insurance to cover drivers who operate rental vehicles. Many people choose not to buy auto insurance because they feel it is an unnecessary expense. The truth is, if there is no car insurance, if he or she wants to cause damage to the rental car, then one may have to bear more money than the car insurance.

A common misconception among many renters that a vehicle is their personal auto insurance policy will also cover their rental vehicles. This is not always the case. Some personal auto insurance plans will provide insurance for the driver when he or she rents a car, but this is not the norm. A person should always consult his or her insurance policy or talk to his or her insurance agent to help determine if the rental car is included in a personal auto insurance policy. If the rental vehicle is not covered by a personal auto insurance policy, the lessee is responsible for ensuring rental insurance.

Auto insurance can be purchased directly from the rental company. Many leasing companies offer different insurance plans to meet the individual needs of renters. Car rental insurance premiums are calculated at a daily rate, and in some cases, if someone plans to extend the lease term, they are calculated at the weekly rate. The premium amount is added to the rental fee and paid together. Renters must choose and purchase car rental insurance at the time of rental. It cannot be added later. This reduces the possibility of insurance fraud.

It is not always necessary to purchase car insurance when renting a vehicle. Some major credit card companies only provide cardholder benefits as a member, such as car rental insurance. To qualify for car rental insurance through a credit card company, the exact card must be used to secure the lease. Not all credit card companies offer this offer to their members. A person should always call his or her credit card company's agent to determine if he or she has such insurance and the eligibility requirements to use this benefit.

Although many people worry that auto insurance is a reliable investment. The cost of car rental insurance is much lower than if a person would have to pay for the loss themselves. Car rental companies always provide car rental insurance when they rent. Some people may get insurance through a personal car insurance or credit card company. They should always consult their insurance agent or credit card company to make sure they have insurance.



Source by Nelson McWilliams

Tackling customer complaints – B.L.A.S.T

In a restaurant not so far, in a not so distant future the phone rings, a client complains … and the battle begins

Working with customer complaints does not always have to be a battle, with the right tools and answers you can use complaints to your advantage; to help you build your business. B.L.A.S.T is a great tool that is used by companies such as Yum! (KFC's parent company, Taco Bell, Pizza Hut, A & W, and Long John Silvers). Training your employees in the basics of customer complaint handling.

Listen

Listen

Sorry

Saving

Thanks

How does your business deal with customer complaints? The easiest way to find out is to pick up the phone and act as a complaining customer. What happened? If you were an irritated client, would you come back? Using the instructions of B.L.A.S.T, you can create a standardized method for dealing with your complainants and turning them into loyal customers.

Believe

This is the cornerstone of handling the client's complaint. Yes, the client may be lying and being wrong about the situation. It is important to understand that your client believes that your institution has breached

Listen

Stop and listen to your client's complaint. I'm not sure if it's a natural instinct or just a simple tenacity. As soon as a client begins to complain, we begin to think how we react to the charge before we finish listening, and too often the case is ready to react. Take a second, relax and listen. Sometimes the client who complains will be rude, angry and use vulgar language, will stay in the course and stay calm and head.

When the customer is ready to ventilate; in a calm, insane tone, repeat your problem. An example I used in my CFP for a misdirection: "What I hear you say is that you came to the order and paid 10 pieces of chicken, and when you got home, you got only eight, did not you?" [19659002] By repeating the problem, you showed your ability to let the customer hear and understand his problem.

Listen and clarify. Never defend or justify yourself. The customer does not care if you are shy or if you have a bad day, they only care about caring. No excuses, simple solutions.

Sorry

Always apologize, even if you have done nothing wrong. From the point of view of your clients, they have a legitimate complaint and await an apology. It may be as simple as "I'm sorry we made you sick". or "I'm sorry I know how frustrating it is to buy dinner for my family but not have it all when I get home." A sincere apology usually distracts a lot of frustration that the client has. An exception to this rule, however, if a client calls a critical complaint such as food poisoning, do not apologize, it can be accepted as a guilty fault instead of referring to your company's procedures for such events [19659002] Satisfy [19659002] Do it right. Ask the customer "What can I do to do this right for you?" Be the judge of what is fair, of course, but allow them to feel empowered for the situation. Many times they can ask for the problem to take care of their next visit or maybe talk to the person who made the mistake and correct them. We used a great system to send a personalized postcard that apologized for the mistake, these were a few handwritten sentences (yes, many times with misspellings by my team members), but that was personal and always well received. We have always given them the unexpected, perhaps free, dessert or extra dish only to show that we care about them.

Thank you

At the beginning, at the end, in the middle; it does not matter, thank the customer for calling and complaining.

Why? With a simple act of complaint, your client says, "I'm interested in your business and your success." They give you the opportunity to solve the problem and invite it back to give you more of your money. Puts a different spin on it, does not it? Thank you for giving you this second chance because I informed you that something in your restaurant does not work as usual because it gives you the opportunity to do this right also for the opportunity not to damage your reputation!

Reputation? I had to throw it. You work hard day after day trying to make your business the best, but an unlucky client can take it from you. A happy customer will tell two or three friends about the good experience, but an unlucky client will tell at least ten friends for their experience and it is always multiplied by word of mouth. Accidentally, when I moved to my homeland in my new hometown, I was in an event in the Chamber of Commerce, and I was the new guy in the group, I introduced myself and what we did. No sooner than five minutes I received a list of 10 restaurants in my area that they thought were "in need of my services." Only one person gave me a good restaurant. I did not ask, they told me. To this day, I have not yet been to these restaurants as a customer, why do I want to give them their hard earned money when making my new friends unhappy? This may not be a rational thought, but it is human nature.

Will some people benefit from your kindness? Of course, one rule I used in my restaurant was:

The first shame for me,

Second time, I was ashamed of me, but I see you, [ThethirdtimetheSilentBrotherhoodtookadecisiontoactasacurrentclient

Follow who's crying to complain, names, phone numbers for tracking, addresses for your postcards. By using a linking device and tracking your complaints, you will be able to identify and deter those who will benefit from the new complaints procedures.

Adding BLAST to the expanding toolkit for customer service tools will help you handle customer complaints so they can tell their friends what a great service you have!



Source by Albert Barneto

Low-cost car insurance

Due to the Internet, low-cost car insurance is now easier to obtain than in the past. Once, the only way to compare discounts is to visit the insurance company ' office and discuss with them.

You can also call, but when you ask for a quote by phone, you will know what it is like. The second one you hang up, you still remember the question you want to ask. Telephone charges can be quite expensive! However, the Internet makes it easier for you to find low-priced offers from many companies, but it's even harder to find without it.

Depending on the type of car you have, if your car is older, you should not only get the lowest offer, but you should also protect the lemon law from any short-term protection. Not only does the Internet allow you to get low-cost car insurance online, but you can also compare cheap new car insurance quotes from many different companies.

You can do this manually not only by visiting the insurance company's website that offers online price reductions, but also through the various car insurance price comparison websites available on the Internet. These examine the policies of different auto insurance companies and compare the prices of various options. If you want to buy cheap car insurance online, this is a great way to compare existing products.

If you have specific needs, the lowest offer may not be the best deal. For example, if you want your new driver's daughter to pay according to your own policies, you will pay more. Maybe you want to insure for any driver, or have a low or even zero deductible. If you are willing to give up these luxury goods in the auto insurance industry and choose to be just a basic policy, then a cheaper policy is feasible.

To be frank, many people are over-insurance because of their needs, and in the case of any online auto insurance minimum rates offered by top and respected companies. A comprehensive policy gives you peace of mind, but a lot of extra content is not really necessary. Surprisingly, the $100 deductible has a different impact on your policy, and sometimes it's more professional to use a separate glass policy with the expert instead of adding it to your regular coverage.

If you know what you are doing, it is not difficult to get low insurance, which will help if you understand how the auto insurance business works. The basic auto insurance policy is not paid for you; the options are adjusted until you get a low-cost auto insurance quote that meets your individual needs. Some companies are willing to offer options that other companies don't have, although most companies will consider your driving history.

You have the greatest impact on the number of drivers, deductibles and insurance levels. The cheapest is only a third party, if you have an old car then this is what you really need. In the event of a serious collision, your car may be cancelled and it is not worthwhile to develop a comprehensive insurance policy for the old car. If you are negotiating for low-cost car insurance, the most helpful factor will be to make sure you drive your car, choose a higher deductible, and if you want a comprehensive policy, buy a car that costs less. No one can expect a $300,000 low-cost car insurance offer on the 2007 Lamborghini Murcielago LP640 sports car!



Source by Brent Kenny

Orthodontics – What Does Orthodontics Believe?

Orthodontics is an area of ​​the dental specialty, which deals with the movement of teeth and the development of the face. This helps patients who need to straighten their teeth or jaws for cosmetic purposes or to support their oral function such as speaking and eating. There are many benefits to correcting curves or crowded teeth, including improving the bite, facilitating more effective teeth cleaning and improving your appearance. This can lead to much greater confidence in the long run. Before starting treatment, however, it is useful to learn more about what you can potentially expect.

There are numerous procedures that can be used today in the field of orthodontics. To get started, your dentist will direct you to a specialist in this area who will give you a full overview. During this initial consultation, you can expect to have photographs, X-rays and impressions taken from your teeth and bites. The orthodontist will also go through your medical and dental history with you. With this information, the dentist can better determine what kind of treatment will be beneficial to you so your teeth can move more efficiently on the line in the shortest amount of time.

Some of the various devices used in orthodontics may include retention means, coil expanders, and braces. There are also specific procedures that are included after the initial consultation. The tape is a process that involves physically mounting and cementing the orthodontic tapes into your teeth while connecting fittings that fit clamps to the teeth with cement. In order to remove the same links or bands, the orthodontist will undertake screening and rebuttal procedures, and it will be possible for the detainees to keep these changes in place indefinitely. Modern orthodontic procedures use the latest technology to achieve the best results.

There are numerous conditions that may require the application of orthodontics. For example, if you have stuck or teeth, they can be corrected. The same applies to those who lower teeth pull too far ahead of the teeth. The distance between the teeth can take care of braces that push these teeth together while many people find that their mouth is too small to fit their teeth, causing accumulation. Whatever the problem lies mainly in the jaw or the teeth themselves, there are orthodontic procedures that can help.

The most common type of instrument used in orthodontics is the traditional metal bracket. These brackets consist of strips, wires and brackets. The strips are attached around the tooth as anchors for the device while the clamps are connected to the outer surface of the tooth. They then tighten each month when the teeth pass through the movement. Yet there are many kinds of brackets that you can choose from today, including invisible staples and tapes. There are also clear alignment devices that can be used, which usually takes less time to treat than traditional methods. These are just a few factors that need to be taken into account in orthodontic treatment.



Source by Chris J. Phillips