Monthly Archives: January 2020

Georgia Health Insurance Commissioner

The current Georgia health insurance commissioner is John Oxendine. He has been the Georgia health insurance commissioner since 1994, and is currently in the middle of his fourth term. Mr. Oxendine just unsuccessfully ran in the Republican primaries for governor of Georgia. The two Republican candidates that are running for the Georgia health insurance commissioner’s office are Maria Sheffield and Ralph T. Hudgens.

One of the main platform issues in the race for Georgia health insurance commissioner has been related to the health care reform acts’ mandates to states. As Georgia health insurance commissioner, John Oxendine, joined a class action lawsuit questioning the constitutionality of the health care reform acts. Also, the Georgia health insurance commissioner’s office opted out of setting up federally mandated health insurance exchanges, which resulted in the federal government overseeing this program themselves. This was allowed by the law. Georgia is not the only state that decided to handle the health insurance exchanges this way. Nineteen other states also stepped aside and let the federal government implement the required health insurance exchanges. The reason given for this is that the office of the Georgia health insurance commission did not believe that Georgia had the necessary finances in place to implement the program without putting other state run programs and Georgia residents, at financial risk.

The candidates for georgia health insurance commissioner are being asked a lot of questions about how they would handle the health care reform. Maria Sheffield who is an attorney who has worked in the state’s Department of Insurance, maintains that she will try to lessen the negative impact the federal laws might have on the state of Georgia. Ralph T. Hudgens states that the Georgia health insurance commission is an administrator and not a policy maker, and therefore has no reason to fight against federal laws. Mr. Hudgens chairs the Georgia Senate’s insurance and labor committee. Both are committed to helping Georgia’s health insurance industry maintain high standards and provide excellent products and services to Georgia residents.

Whoever wins the Republican primary will run against Democrat Mary Squires in November. Mr. Oxendine is currently being looked at closely due to some ethics complaints against him as he ran for governor. However, he has a lot of experience as Georgia health insurance commissioner, and most people agree he has made a lot of progress and improvements in the health insurance industry in Georgia. The vision statement of the Office of the Georgia Health Insurance Commissioner is to have a well trained work force, utilize technology to facilitate regulation, coordinate state regulators, provide greater access to services and more fire safety information, and result in a consumer friendly, competitive market place.

Consumers can find information about all sorts of insurance products, agents, brokers, and insurance companies, on the web site of the georgia health insurance commissioner. This is also the place where consumers can come to file a complaint, or ask questions about their rights as consumers. There is a lot of valuable information about flood and fire protection, how to file or submit claims, and rural health care information. There is information available to the public, to brokers and agents, and to agencies.

Affordable Health Insurance Is The Goal Of Health Reform

One of the main goals of the health reform movement is that more American families will find affordable health insurance plans. Many of the changes being required of health insurance providers are designed to force them to offer more affordable health insurance policies to more Americans. In addition, there are also laws and regulations in place to force Americans to purchase affordable health insurance plans. In the future, American citizens who do not purchase affordable health insurance plans will have to pay big tax penalties or fines.

Another change is the establishment of high risk pools for each state. The purpose of these high risk pools is that individuals who have not been able to get approved for affordable health insurance individual policies in the past, due to a pre-existing medical condition, will have an affordable health insurance option. At this time, a few states have high risk pools, but many did not, as of earlier this year. This means that those individuals who were not enrolled in a group health plan may not have been able to find affordable health insurance plans because their monthly premiums may have been increased due to a pre-existing medical problem, or they would get denials back from their applications. High risk pools make it possible for these individuals to enroll in affordable health insurance plans. The premiums may still be higher, but the goal is to make affordable health insurance policies available to high risk citizens.

Many of the changes in the health reform acts laws to monitor and regulate the health insurance industry. This includes making health insurance providers submit rate increases to the government for approval. Again, this is to encourage insurance carriers to offer more affordable health insurance options to American citizens. The Secretary of Health and Human Services (HHS) is to create new rate review processes, and start approving or disapproving new rate filings by insurance companies.

Other changes proposed are the prohibition of lifetime benefit limits, restricted annual limits for essential benefits, and coverage of dependents up until age 26. All of these changes will result in less out of pocket expenses for members, therefore health insurance making affordable health insurance. The federal government really wants the public to see the benefit of health insurance, and find affordable health insurance policies in order to protect themselves and their families.

The HHS is also setting up a national insurance exchange, which is basically a web portal which will carry information from several different insurance providers and provide information about the many different types of affordable health insurance plans available to American citizens. It is possible that these insurance exchanges will also have information about a government-sponsored affordable health insurance, as competition to private open market affordable health insurance plans, such as those available to Americans today. The national insurance exchange is still a work in progress, so there is a lot to be seen about how it is to work.

Some Common Focus Pulling Mistakes You May Not Know

Many individuals out there make a portion of the regularly known concentration pulling botches. Do you know what these missteps are?

We should discover.

1. Pulling at the Inaccurate Speed

A rack center, when it’s done well will be smooth and hid by the gathering of people. At the point when done as not expected, it can draw a considerable measure of undesirable consideration which isn’t at all doable. When you’re acing a piece of the rack, it’s critical for you to see a portion of the essential things, including the state of mind, the pace, and last yet unquestionably not the slightest, the tone of the scene. Also, it’ll monstrously be resolved the way camera moves itself too.

Some videographers are slanted to pulling too gradually on incalculable camera moves. Actually, they utilize practices so it turns out to be simple for them to make sense of the ideal speed before the camera begins to roll. You ought to be watchful of how quick you’re with regards to pulling center and in the event that shooting advanced and there is playback, you should watch out for the screen to get your very own feeling speed and also propensities.

Does it turn into an issue for you?

Consider investing bunches of energy rehearsing between takes or while building the camera in the sunlight. Don’t you overlook that focal point center separations are around an exponential scale so that if the concentration is close separation savvy, you’ll need to pull speedier.

2. Making Plenty of Marks

We’re almost certain every one of us have had a repentant inclination at one point where a scene has various performing artists, and a couple of differing dolly following minutes and different plans also. These kinds of shots are the ones that are rare, however a more unpredictable gave implies a more complex stamping framework.

Remember that stamping on a focal point or on a take after concentration circle ought to be confined however much as could reasonably be expected. Just the pivotal imprints are required to be kept there. You maybe have a couple of reinforcements at the back of your brain, if an on-screen character surpasses their arrival spot or something unique happens which isn’t normal in any way.

Note – If you have a great deal of lines on the focal point or take after concentration will transform it into disarray that must be found amidst a take. Wouldn’t you say you as of now have a great deal to be made a fuss over in a scene? Anyway, you would prefer not to influence it to appear to be more unpredictable, isn’t that right? In the event that you find including heaps of imprints, what you can at most do is numbering them in the request you requirement for hitting them so it doesn’t turn out to be difficult for you to choose which will be which.

3. Acting Casually About Rehearsals

Would you concur in the event that we disclosed to you that practices were uncommon these days? They definitely are, particularly in the computerized area. You would prefer not to see them go pointless, isn’t that right? Regardless of whether the practice appears to be just the blocking practice without a camera, you should watch the same with fixation.

It’s imperative for you to figure out how on-screen characters will move about the scene and what line they articulate accurately before getting up. You may not know about the situation of your camera, however you will in any event know how the scene will play out.

While practicing with a camera, you should pay notice to the planning of your rack centers. Additionally, the planning of the dolly moves are critical and comprehend what the ability is doing in the scene.

The Financial Crisis And Your Auto Insurer

In what many experts have called the worst financial crisis since the Great Depression, millions of people have begun questioning whether their auto insurance companies are stable. They’re wondering if their insurers will have the financial resources available to pay claims. The economy continues to roil; headlines are splashed with news of high-profile bailouts. Drivers’ concerns are understandable. However, most of that concern is unwarranted.

There is a support structure in place that all but guarantees that claims will be paid. Below, we’ll provide a quick overview of the auto insurance regulatory structure. We’ll also explain how your insurer’s financial stability affects you and when you might want to make the decision to switch carriers.

Separating Fact From Fear

A lot of drivers are worried that the current financial crisis places their car insurance policies at risk. They’re afraid that carriers won’t be able to pay a claim in the event of a traffic accident. Some of this fear comes from the memory of property insurance companies being decimated in the wake of Florida hurricanes years ago. But, that situation was completely different. The equivalent for the auto insurance industry would require that every driver be involved in a catastrophic collision on the same day. In effect, an impossible scenario.

Auto Insurance Regulatory Structure

The underpinnings of the auto insurance industry are founded upon a strict regulatory structure. State regulators work closely with the industry in general as well as with each individual carrier. They do so to ensure that resources are always available to pay policyholders’ claims, even in the case of an economic and financial crisis.

Every auto insurance company is required by the state to set aside a given level of loss reserves. The purpose of these reserves is to pay claims. Insurers are also required to annually report their financial viability to the state insurance department. That way, state regulators can review the potential risk assumed by policyholders in light of each carrier’s financial status.

In the event that your carrier becomes insolvent or files for bankruptcy, the loss reserves remain available to pay immediate claims.

The Next Level Of Consumer Protection

Because an insolvent auto insurance company represents a potentially severe economic impact to a state, regulators have created another level of protection for consumers: state insurance guaranty funds. Car insurers are required to contribute funds to the pool. If a carrier becomes insolvent and its loss reserves are insufficient for paying its policyholders’ claims, the guaranty funds are used.

Should You Switch Auto Insurers?

Even though there is a regulatory structure in place to protect policyholders, it’s still worthwhile to review your auto insurer’s financial stability. If your carrier shows signs of impending insolvency, consider switching to a new insurance company. It’s also important to review your policy once or twice each year. Consider the rates you’re paying, the coverage you’re enjoying, the service you’ve received, and your current needs.

If your auto insurer is habitually late in paying claims or worse, refuses to pay many of them, it may be time to switch. You can often find lower rates with better coverage at insurers who are willing to compete for your business. If you decide to change car insurance companies, remember to keep your current policy in effect until you have signed a new policy. Then, cancel your old policy in writing.

The current financial crisis is unlikely to expose you to the risk of not having your claims paid. But, there may still be reasons to consider making a change.

10 Important Reasons For Taking Out Life Insurance

Insurance in general is designed to protect you and your family from disasters and the financial burden which so often follows. There are many different types of insurance of which the basic and most important is considered to be life insurance which provides for your family after your own death.

Since there are certain financial commitments you have to meet throughout life you need also to provide something even in death to secure the family home, to assist the family to meet expenses for a while, to provide for dependent parents or to provide security for your spouse and possibly children.

These financial obligations might include things like your funeral expenses, unsettled hospital and other medical bills, mortgages, business commitments and providing for the education expenses of your children.

Just how much insurance you need will vary depending on your lifestyle, income and financial needs, debts, and how many dependents you are supporting. As a general rule you should have insurance coverage that is five to ten times your present annual income.

An important part of your financial planning, whole life insurance provides peace of mind for any uncertainties in life.

1. Life insurance correctly planned will provide funds in the event of premature death to deal with monies due, mortgages and day-to-day living expenses. It provides protection for the family you leave behind and acts as a cash resource.

2. It gives security for your hard earned estate on death by providing a tax free cash sum that can be utilized to pay estate and other death duties.

3. Life insurance plans can also have a savings or pension provision that can help to fund you in retirement.

4. In some cases policies have riders such as restricted coverage of term insurance or critical illness for a child or spouse. There are particular rules considering eligibility for riders that you will need to determine clearly.

5. In case of bankruptcy the cash value, as well as death benefits, of any insurance policy is exempt from creditors.

6. Holding a valid insurance plan is considered as having a financial asset and this improves your credit rating when you arrange health insurance or a home loan or business loan.

7. Term life insurance has double benefits as it protects and you can get your money back at important points in your life.

8. Life insurance can be arranged in such a manner that it will cover even the expenses of your funeral.

9. Insurance protects your business from financial loss or any liabilities in case a business partner dies.

10. It can go a long way towards keeping a family’s standard of living if one partner dies unexpectedly.

Insurance forms a vital part of good financial planning but you do have to evaluate your personal risk and your longer term commitments.