Group Insurance Health Care and the HIPAA Privacy Rule

stands for Health                               Insurance Portability and Accountability Act. When I hear people talking about  , they are usually not talking about the original Act. They are talking about the Privacy Rule that was issued as a result of the   in the form of a Notice of Health Information Practices.

The United States Department of Health & Human Services official Summary of the   Privacy Rule is 25 pages long, and that is just a summary of the key elements. So as you can imagine, it covers a lot of ground. What I would like to offer you here is a summary of the basics of the Privacy Rule.

When it was enacted in 1996, the Privacy Rule established guidelines for the protection of individuals’s health information. The guidelines are written such that they make sure that an individual’s health records are protected while at the same time allowing needed information to be released in the course of providing health care and protecting the public’s health and well being. In other words, not just anyone can see a person’s health records. But, if you want someone such as a health provider to see your records, you can sign a release giving them access to your records.

So just what is your health information and where does it come from? Your health information is held or transmitted by health plans, health care clearinghouses, and health care providers. These are called covered entities in the wording of the rule.

These guidelines also apply to what are called business associates of any health plans, health care clearinghouses, and health care providers. Business associates are those entities that offer legal, actuarial, accounting, consulting, data aggregation, management, administrative, accreditation, or financial services.

So, what does a typical Privacy Notice include?

The type of information collected by your health plan.
A description of what your health record/information includes.
A summary of your health information rights.
The responsibilities of the group health plan.
Let’s look at these one at a time:
Information Collected by Your Health Plan:

The group healthcare plan collects the following types of information in order to provide benefits:

Information that you provide to the plan to   in the plan, including personal information such as your address, telephone number, date of birth, and Social Security number.

Plan contributions and account balance information.

The fact that you are or have been enrolled in the plans.

Health-related information received from any of your physicians or other healthcare providers.

Information regarding your health status, including diagnosis and claims payment information.

Changes in plan  (e.g., adding a participant or dropping a participant, adding or dropping a benefit.)

Payment of plan benefits.

Claims adjudication.

Case or medical management.

Other information about you that is necessary for us to provide you with health benefits.

Understanding Your Health Record/Information:

Each time you visit a hospital, physician, or other healthcare provider, a record of your visit is made. Typically, this record contains your symptoms, examination and test results, diagnoses, treatment, and a plan for future care or treatment.

This information, often referred to as your health or medical record, serves as a:

Basis for planning your care and treatment.

Means of communication among the many health professionals who contribute to your care.

Legal document describing the care you received.

Means by which you or a third-party payer can verify that services billed were actually provided.

Tool in educating health professionals.

Source of data for medical research.

Source of information for public health officials charged with improving the health of the nation.

Source of data for facility planning and marketing.

Tool with which the plan sponsor can assess and continually work to improve the benefits offered by the group healthcare plan. Understanding what is in your record and how your health information is used helps you to:

Ensure its accuracy.

Better understand who, what, when, where, and why others may access your health information.

Make more informed decisions when  disclosure to others.

Your Health Information Rights:

Although your health record is the physical property of the plan, the healthcare practitioner, or the facility that compiled it, the information belongs to you. You have the right to:

Request a restriction on otherwise permitted uses and disclosures of your information for treatment, payment, and healthcare operations purposes and disclosures to family members for care purposes.

Obtain a paper copy of this notice of information practices upon request, even if you agreed to receive the notice electronically.

Inspect and obtain a copy of your health records by making a written request to the plan privacy officer.

Amend your health record by making a written request to the plan privacy officer that includes a reason to support the request.

Obtain an accounting of disclosures of your health information made during the previous six years by making a written request to the plan privacy officer.

Request communications of your health information by alternative means or at alternative locations.

Revoke your  to use or disclose health information except to the extent that action has already been taken.

Group Health Plan Responsibilities:

The group healthcare plan is required to:

Maintain the privacy of your health information.




Remove hair mats

Remove hair mats

It is important mobile dog grooming to remove hair mats as they can cause pain and irritation. This problem is more common in pets that suffer from arthritis as they cannot stretch as often as they should. Besides, matted hair doesn’t offer enough insulation, which makes it more difficult for pets to keep themselves warm in winter.

You can use a small metal comb to remove hair mats. If the mats are too large, it is better that you hire the services of a professional pet groomer. This is better because you don’t want to end up hurting your pet while grooming.

4. Bathe your dog regularly

It is better that you bathe your dog on a regular basis. All cats preen themselves regularly but dogs benefit more from regular Birds, especially those who have skin problems.

5. Buy pet shampoo

Pet shampoos feature the right levels of pH, which is why they are the best choice for animals. If your animal has some type of skin condition, you should consult your veterinarian to buy a therapeutic shampoo.

6. Trim their nails regularly

If you don’t trim the nails of your pet on a regular basis, their nails may curl back over time. This can be quite painful and may cause skin infection as well. You should trim your pet nails when you hear a clicking sound while they are walking on the hardwood floor. After a nail trimming job, you should reward your pet with a treat, especially if they stay calm throughout the job.

Long story short, these are some of the most effective tips that can help you with your pet grooming efforts. Make sure you bear patience and reward your pet each time they learn something from you. This will help you train your pet much faster.


Choosing Whether To Make Your Event Free or Paid

It can be difficult to determine if your audience will support your event in the same way if you require a fee in order to participate. This is a huge concern for new companies who are looking to gain exposure and weighing the costs of additional visibility for the long term vs profitability in the short term.

Here are some tips to help you choose if your event should be a free or paid event.

– Free vs Paid Event

First of all, who is your audience? Remember that just because you make an event free today does not mean that they will remember you tomorrow. There is something to be said for turning a profit so that you can remain solvent for the people who really enjoy your products and services. The first thing to do is to determine if your audience is worth putting on a free event for. Most of the time, successful free events are done after an audience has supported a company so much that it has excess capital, not before.

Determine if a free event is the best way to market to your audience. There are plenty of low cost ways to advertise, including making a viral video, blogging and charity work around the community of your target audience.

Second, what is the true cost of making your free event? Are you blowing your entire marketing budget on it? What do you expect it to bring back to you in terms of conversion? Just because your event is free does not mean that you do not require something for the participation. In most cases, events that are created in order to increase visibility will require some sort of personal information that can be used in the future to market to that person.

If you have a legitimate way to gather information that has the potential to pay off for your company in the future, then you may consider having a free event as a marketing tool. If not, you should go back to the drawing board on your entire marketing strategy.

Third, what sponsors can you gather while making your free event?

Free event means that it is free to the public; it does not necessarily mean that it is not paid for. If you have a viable audience that another business may want to capitalize on, you may be able to draw that company into a sponsorship that will relieve you of some of the financial burden. In this case, you should take full advantage of the partnership and gather information on the new people that you are sure to come across. Have employees pass out surveys and be sure that you leave with pages of emails for future marketing. Get permission from people to opt them into your mailing lists. Make them do it right in front of you on their smart phones.



Why You Should Hire an Exhibition Stand Contractor

Companies around the world rely on exhibitions to attract customer attention, boost brand visibility and help improve sales turnover. When you’re planning to take part in an event, whether a local show or trade show, you want to make your stand really stand out, grabbing attention of customers and drawing them into your booth to meet your team and learn more about your products and services.

Bear in mind that most events will have a high volume of companies, some will be selling the same products and services as you, which means you have to think outside the box, creating a stand that will dominate your market and have a high customer visiting rate.

When you’re trying to manage your daily duties and plan for an event, you can find that one or both just don’t get enough attention, which is why an exhibition stand contractor can help you, not only make success, but liaise with exhibition organizers, create your stand, build it and so much more.

The first thing you will find when hiring an exhibition stand contractor is that they will listen to you, learn about your business and the event you are attending and then come up with a design for your stand which will blow the competition out of the water. They look at ways to make your stand really stand out against the others, they use specialised lighting and interactive tools that help draw in your customers to help you achieve success and enjoy a return on your investment moving forward.

Once you have gone through the design choices and chosen the design you feel will make you stand out above the rest at the exhibition you are attending, the exhibition stand contractors will get to work building the stand as per the specifications. Their service is a complete turnkey service, where you can use them throughout the process from the initial stages to the final product and beyond.

The advantage to this is that the price will be less than choosing different companies to perform different duties. You are paying one company to handle the entire process, which can reduce your costs considerably, ensuring that you come in within your exhibition budget


Family Practice Doctor – Things You Should Consider When Choosing One

One of the most                        important things to consider when trying to find the right medical professional for you and your family is their education. The family practice doctor should have completed four years of undergraduate study, medical school as well as a residency program where he or she can get further training. When in school, this medical student will study an array of subjects such as the body’s systems, mental health, physical health and more. Once all their education is complete, he or she may become certified by the American Board of Family Medicine. All this and more is what you want when choosing a physician to care for you and your loved ones.


In addition to credentials, it’s important for the medical professional to have a friendly, easy-going  It would not be to your advantage to see a physician that is abrasive or always in a hurry, rushing through appointments. You want someone that enjoys working with people and as a family practice doctor, he or she needs to be extra kind, since these physicians see a lot of kids. In addition, you want the physician to be flexible because things can pop up unexpectedly for a lot of people and your physician should work with you.

Office Staff

In addition to considering the doctor, you also want the staff to greet you in a professional manner. If you go to an office and have to deal with a staff that’s rude or inattentive, you’ll need to continue your search for a family practice doctor. Talking with the staff is one of the first impressions you get when you go into a new physician’s office. If for some reason you’re not getting the service you want, don’t settle.

Get a Referral

One of the absolute best ways to feel good about the choice you make when choosing a family practice doctor is by getting a referral from friends, relatives or other physicians. This way you can get an upfront review of the doctor and staff as well as make a more informed decision. With friends and family, you can sit down and go through all the things you want in a physician and they will be able to tell you if the physician they are referring you to has those qualities. Also, physicians know physicians, so it can be perfectly fine to ask a dentist, for instance, if he or she can recommend a good family practice doctor for you.


LED Boat Lights Hype and Reality

These days it seems that if you own a boat, you can’t help but have heard how LEDs are the miracle technology of today that promises to do everything from slash your electricity use by two thirds to ensure you’ll never change another light bulb

As is the case with most new technologies, or in the case of LEDs, technologies that only seem new, the truth is closer to a middle ground than all the hype suggests. However, this is not to say LEDs don’t hold a great deal of promise and potential, they do, only that there is more to the story than just amazing claims.

By far the largest excitement around LEDs has been revolving around their extremely high efficiency. Producing on the order of 60 to 100 lumens per watt compared to the paltry 15 lumens per watt of an incandescent, LEDs are indeed far more efficient than traditional light bulbs. One of the problems often made when suggesting expected improvements in overall efficiency however come from the failure to note that electrical savings are only associated with the power consumed by lighting, and a failure to note that in order to see serious improvements it is generally necessary to upgrade several light fixtures.

When we see a claim of “electrical consumption was cut in half”, we need to keep in mind that this only represents the total energy used by the lighting systems and not total energy use. So if your entire lighting system is pulling 50 amps, yes, it is probably realistic to say a full upgrade to LEDs can cut that down to 25 amps, and in many cases even lower. We also need to realize that if we only upgrade our spreaders, or perhaps several cabin lights, the total reduction is going to be lower. In other words, the more fixtures you upgrade, the better your results will be. The best way to determine just how much improvement and upgrade provides is to take an initial amp draw reading from lighting systems alone before performing any upgrades, and then another afterwards. This will give a much more accurate and realistic view of just how effective your upgrade efforts have been.

Another of the popular selling points behind LEDs has been their extremely long operating life. Most mid power LED fixtures carry an average operational life rating of around 50,000 hours. Many fixtures are rated even higher, and some a bit lower. Much depends on how powerful the fixture is, and how reputable the manufacturer is. Higher power fixtures tend to have a slightly shorter operational life because they produce more heat and heat is the enemy of LEDs, and unfortunately, some of the less reputable manufacturers do not provide accurate life time ratings. On the whole however, when we consider that a typical incandescent bulb has a service life measuring anywhere from 500 to 2,000 hours, and an LED an average of 50,000 hours, it is pretty easy to see why many claim you may never change a light bulb again. When you consider that the lighting on your boat really sees limited use, perhaps a couple hundred hours per season for recreational craft, and perhaps 1,200 to 2,000 for more extensively operated vessels, then yes, LEDs can indeed last for several years. On a recreational boat it is even possible that LEDs you install now will outlive your ownership of the vessel.



Super Bright LED Flashlight

Super bright LED flashlights, more commonly known as torches are by far brighter than the regular incandescent flashlight bulb. Super bright LED flashlights may come in many variations with different numbers of LED bulbs installed. But LED flashlights also vary in brightness depending on a user’s need for the flashlight. The brightness of an LED flashlight is measured by Lumens

The LED flashlights commercially available in the marketplace today give out between ten to a hundred lumens of brightness. So that one has a clear picture of lumens, imagine your whole kitchen with all its’ lighting fixtures, that is equivalent to 12,000 lumens. Also with LED bulbs, you can use it for many years without having to replace the LED bulb in the flashlight.

There are super bright LED flashlights commercially available today. The most recent super bright LED flashlight available in the market today is the one that gives out 742 lumens, the kind of light that LCD overhead projectors use. Other super bright flashlights may have more LED bulbs installed and one can adjust the brightness or dimness of the flashlight when they opt how many bulbs will be turned on. But in choosing super bright LED flashlights, one has to consider the lumens output, rather than the number of LED bulbs installed. One LED bulb can be as bright as ten LED bulbs.

One great feature of having a super bright LED flashlight or torch is that it will give bright light using simple AA or AAA batteries. The LED flashlight will also run longer on these batteries than the regular incandescent bulb flashlight. The brightness of an LED flashlight depends on the power output from its energy source. Super bright flashlights used by policemen use about three watts. The lumens or bright light of these police flashlights are at ninety lumens. The power input and output also determines the hours that you can use your batteries with the LED flashlights.

It is advisable to have two flashlights when camping outdoors. The smaller flashlight can be used so that when you are looking for something, you don’t have to wake up everybody in the tent. Another function with LED torches in case you don’t want to bring an extra flashlight is to set it to “dim”. Most LED flashlights have a switch to either set to dim or bright light. The dim light can be used in order to conserve the batteries. But even dim lights in LED flashlights can be brighter than the regular incandescent bulb flashlight. Having a super bright LED flashlight doesn’t mean that you have to carry extra batteries. The LED flashlight can run as much as ten times longer on batteries than the regular incandescent bulb flashlight.

The super bright LED flashlight may be a bit more expensive than the regular incandescent flashlight but it can be worth it when it comes to its use. Getting a LED flashlight can save you money in the long run because you don’t have to replace the batteries as often as you would with regular incandescent bulb batteries and the LED bulb can last as long as ten years so you don’t have to worry about its’ bulb burning out.


Calculating Power Supplies for LED Strip Lights

If you are planning on installing LED strip lights (also known as LED tape) you need to be able to accurately calculate the power required. Having insufficient power supply will lead to only some (or none) of the LEDs illuminating, or can cause irritation flicker. An over specified power supply will cost more to buy, and will also be harder to fit as they are bigger infohatworld

To calculate the power supply required for your new LED strip lights, you need to know:


  • Length of the strip or tape
  • Number of LEDs per metre
  • Power consumption per LED


To calculate the size of power supply (in Amps) you need to multiply the length of the LED tape by the number of the LEDs per metre and then multiply this by the power of the LED (0.08w to 0.24w per LED are typical values). Then divide the value by 12 volts to calculate the required Amperage of the power supply.

(Length of LED Strip x LEDs per Metre x LED Power) / 12

We recommend you add at least 10% to the calculated value to allow for resistance and losses in the cables. You would also need to allow for any possible expansions or additions in the future. Most LED Strip Lights can have additional sections added using joining cables.

Calculation Examples:

Example 1: A 5m roll of SMD3528 (0.08w) with 60LED/m would be: (5m x 60 x 0.08) / 12 = 2amps +10% = 2.2Amps.

Example 2: A 5m roll of SMD5050 with 60LED/m would be: (5m x 60 x 0.24) / 12 = 6amps +10% = 6.6Amps.

For any LED strips over 2 metres in length you can provide a 12volt feed to both ends of the strip or one feed in the middle, by cutting the strip into two and connecting the power supply to both strips. This gives a more even power distribution and should provide a more consistent illumination.

LED Strip Light Uses

There are two main reasons for using LED strips. One is efficiency – LED lights are very efficient, with most of the power going to produce light, not heat. Their extremely long life (20,000 hours is typical) means that they also do not need replaced very often, leading to vastly reduced lifetime costs.


Home-Lighting: Upgrading to LED Made Easy

Assume that I’m someone who is already enlightened about the benefits of LED (Light Emitting Diode) lighting. Very interested, I have made up my mind to upgrade my home lighting to LED soon. I’m prepared to pay for the higher initial costs of LED lighting products LED Display

But before I buy, the first question that comes to mind is what power of lighting to choose for the same brightness I have/use now. Then, I begin to wonder whether I can easily retrofit my new LED lights into the existing electrical fixtures in my house. As I’m not sure, I try to find out from the Internet by searching for (maybe) ‘how to migrate to LED lighting’. While I get some useful answers, I also run into a whole lot of new terms that I know little about like ‘diode’, ‘semiconductor’, ‘photon’, ‘lumen’, ‘CRI’, ‘CCT’ and so on. My lack of knowledge makes me unsure of myself, so I begin to wonder, ‘Can I ignore the new terms and proceed safely?’. ‘If I do, will my LED project be successful?’.

Not to worry – these are typical roadblocks we all run into. But before you decide to hire a consultant, read the solutions presented in this article. For all you know, after reading through, you may find that you don’t really have to!


Manufacturers are increasingly providing this info on the cartons of LED bulbs and tubes by phrases such as ’40 Watt equal’, ’60 Watt Replacement’ etc. so this problem could be treated as ‘already solved’, in many instances. If not, to decide on the power rating of the LED light to buy that’s equivalent to any of your present non-LED lights, use one of these methods:

(A) Rule-of-thumb: Calculate proportionately, using 70W incandescent=50W Halogen=18W CFL=15W LED.

CAUTION: This method does not produce accurate enough results to enable you to safely buy/install LED products. It only gives you a fairly correct value; one that should be used in an emergency. It may also help you make an accurate guess, once you get used to it. Here’s an example: You need to replace a 100W incandescent bulb with LED. This rule-of-thumb will point you to a 22W LED bulb (i.e. by the calculation,100/70 * 15, decimals being rounded-up to the next higher whole number). The exact LED power required is 27 W, so that the result is lower by 5W (about -19%). But you can make a good guess at this point because LED power ratings can take only certain standard values like 7W,11W,14W&27W. Since you need to make a guess starting with an approximate value of 22W, its very likely that you will choose 27W rather than 14W, since 22 is closer to 27 than to 14.

(B) Switch to thinking in terms of Lumens(lm): This method is easier and highly recommended. However, you might need to change your way of thinking a bit – think in ‘lumens’ (or brightness) instead of ‘watts’

When we say ‘an equivalent light source’ we mean a source that produces the same amount of brightness (or luminosity) as the one to be replaced. The unit of measure for brightness of light is the ‘Lumen’ (lm) (Note: To get an idea of Lumen power, remember that a single, burning wax candle produces around 13 lm of light). Quantifying brightness in terms of lm is the straight-forward way to do it, while watts is round-about, from the viewpoint of a light designer. Apart from being indirect, wattage is not a standard measure across different light types since the lm produced by each, for the same no. of watts, is not the same. Hence, the strong recommendation for adopting the practice of thinking in terms of lumens instead of watts for lighting applications in future.


Confused About Using the Term “Realtor”?

The appropriate utilization of the term Realtor is by all accounts a mistaking subject for some realtors, just as people in general. Is a realtor a Realtor or is a Realtor a realtor. The terms appear to be utilized reciprocally by everybody. Notwithstanding, these terms are not exchangeable and don’t have a similar significance.

Basically, the term Realtor is to be utilized exclusively to show that the individual utilizing the term is a membe, on favorable terms of the NATIONAL ASSOCIATION OF REALTORS® and who carefully clings to its Standards and Code of Ethics. The term realtor or agent alludes to the actual calling.

When is it legitimate to utilize REALTOR®, REALTORS® or REALTOR-ASSOCIATE® on your site, business cards or other advertising materials?

To demonstrate that the realtor is a Member or Member-offshoot of the National Association of Realtors(R) on favorable terms

To pass on to the public that the realtor is a Member on favorable terms of the NATIONAL ASSOCIATION OF REALTORS®

To pass on to the public that as a Member, he/she sticks to the most elevated proficient guidelines and a severe Code of Ethics

Why the fight? On the off chance that you don’t advance and ensure the appropriate use of REALTOR®, REALTORS® or REALTOR-ASSOCIATE®, at that point you will end up being another container of Kleenex. Kleenex is a brand, not an item but then the overall population alludes to practically all facial tissue items as Kleenex. The National Association of Realtors, needs you to stand apart over the rest; not as an overall item but rather as a glad individual from a tip top association.

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The National Association of Realtors(R) was established in 1908. In 1913, a severe code of morals was received by the Association with the Golden Rule as its focal center. The term Realtor(R) was instituted in 1916 with the sole motivation behind distinguishing individuals from the land calling, who were individuals from the Association of Real Estate Boards and bought in to its Code of Ethics; that reason has not changed.

Appropriate Usage For Your Marketing Materials and Website:

Does “REALTOR®” pass on enrollment in the NATIONAL ASSOCIATION OF REALTORS®

In the event that the word part can be fill in for “REALTOR®”, you have utilized the term accurately.

In the event that the significance is changed in any capacity, which doesn’t exclusively pass on enrollment, at that point the term has not been utilized accurately.

Never utilize the terms as a feature of an expression, for example, “Any-town’s #1 Realtor” or “the best Realtor in Any-town”

Appropriate Form:

Underwrite each letter of the term utilized: REALTOR®, REALTOR-ASSOCIATE®, and REALTORS®

At whatever point conceivable, you should utilize boldface print, or utilize stressed lettering.

The “®” enlistment imprint can be precluded, yet just when the utilization of the enrollment mark is absurd.

Use isolating accentuation at whatever point conceivable

At whatever point conceivable use isolating accentuation: Jane Doe, REALTOR® or Jane Doe and Team, REALTOR®

Appropriate Internet Usage of REALTOR®, REALTOR-ASSOCIATE®, and REALTORS®:

Never utilize any of the terms as a feature of an area name or URLs which highlight site pages.

At the point when a term is utilized in an email address capitalization and isolating accentuation isn’t needed.

Don’t hyper connection the Block “R” logo, except if you are connecting to or to a site page.

This article written to assist with explaining the appropriate utilization of the terms, REALTOR®, REALTOR-ASSOCIATE®, and REALTORS®, on the off chance that you actually have questions or need more point by point data visit the site, at that point click Membership Marks Manual connection.

On the off chance that you need further help call the affiliation, they have an extraordinary staff and will readily control you in the appropriate utilization of the National Association logo just as how and when to utilize the terms: REALTOR®, REALTOR-ASSOCIATE®, and REALTORS® in your promoting materials and on the Internet.

Pamela Cendejas is a Certified Real Estate Support Specialist and proprietor of Second Self Virtual Assistance, working with realtors who are tested with figuring out how to keep up their online presence, advertising their business and other authoritative necessities while additionally selling land.

What makes Pamela’s administration special and makes an effective result for her customers is her long periods of involvement and information, assisting her with making altered projects and administrations that overcome any issues between the business bit of the land business and the authoritative and backing needs of the realtor.