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How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
Are there open API's for insurance companies? Similar to how Mint.com used yodlee to tap into banking APIs / information. I am wondering how CakeHealth and Simplee tap into the many different APIs of the wide range of health insurance companies.Insurance companies do expose their systems to insurance aggregators (I.e. insweb.com, insurance.com) via companies like SureHits. This is how progressive gives you the competitor quotes as part of their quote. Also, comparative raters (silverplume, ezlynx) provide independent insurance agents the ability to quote a lead against multiple carriersTo do this, carriers establish partnerships and setup a b2b link. Beyond that, I don't think there are any open apis for quoting insurance.
With so many millions of fans and well-wishers around the world why has the family of Michael Schumacher chosen to release close to no information about his health for so many years?Do you really believe that the fans’ curiosity should take precedence over the feelings of his family?I’m a very long time Ferrari F1 fan, who celebrated each and every Schumi victory, was devastated by the news of the accident, and yet I have zero right to ask for more information about his condition. Just as much as any other race fan around the world.I’m glad some people still believe in privacy and family values over reality show style lives.
Most American high schools require a semester of health education. Should Health Ed include how to evaluate the credibility and applicability of health information given that 80% of Internet users searched online for health topics?One of the problems with “health information” is that it starts with a hypothesis, like aspirin is good to prevent blood clots and therefor good to prevent heart attacks! Sometimes those hypothesis are tested (like for new medications) and sometimes it takes a really long time for someone to check if common sense is right or not. It’s further complicated by pharma wanting to make money and obscuring the actual details by not publishing what they don’t want out there, or by relying on surrogate outcomes, not what we really care about.I think that learning how to evaluate studies for what’s good, what’s junk and what’s a blatant lie would be great. I’m just not sure it can be done at a high school level where folks are probably not familiar with the minutiae of statistics?
How do you screen out between important and not important informations in second year of medical studies? I need to know this for repetition purpose.You have to make those decisions on your own. With your own goals in mind. Better yet you must know where to find the info when you need it rather than try to memorize it all (impossible). I was taught in Pre_Med Philosophy that if you use something seven times in a short period of time you will remember it but otherwise know where to find it when neeeded.
Pride and Prejudice (1813 book): How did Lady Catherine find out about Darcy's affection for Elizabeth? Who would have been in a position and inclined to inform Lady Catherine of the happenings?It's a tricky one since, not many people knew that Darcy esteemed Elizabeth so highly. Mr. Darcy isn't the sort to blather on about his feelings. He keeps his own counsel. Only his closest acquaintances know him well enough to see past his reserved and tactiurn self and see his attraction to Elizabeth. Not only does the instigator need to know Darcy well, he or she must be on good enough terms with Lady Catherine to approach her with the information. One may think that Lady Catherine figured it out and used the "someone told me" ploy. I, however, doubt Lady Cathine's perceptiveness in this matter. As a high-minded, pompous windbag, Lady Catherine only sees what she wants to see. For example, when she talks to Elizabeth at the Bennet's home, she repeats, "It's impossible!" The idea that a man like Darcy could ever be attracted to a woman like Elizabeth is simply inconcievable. So, I doubt Lady Catherine could come to the realization of Darcy and elizabeth's relationship without outside influence.Who had the knowledge, opportunity and motive for telling Lady Catherine?There are three likely candidates, with varying degrees of likielhood: Colonel Fitzwilliam, Caroline Bingley or Georgiana Darcy. Suspect #1: Colonel Fitzwilliam.He had the opportunity, means, but perhaps no motive. Colonel Fitzwilliam came with Darcy to Rosings, spending a considerable amount of time with both parties. Unlike Lady Catherine, Colonel Fitzwilliam carries no prejudice against the idea that any man of means could be attracted to Elizabeth Bennet. In fact, he may fancy her a bit himself. As one of Darcy's closest relatives, Colonel Fitzwilliam knows Darcy well enough to know when his behavior has changed. Colonel Fitzwilliam could have put two and two together and figured that Darcy had a bit of a crush on Elizabeth.Not only does Colonel Fitzwilliam know about Darcy's affection, but he has a relationship with Lady Catherine. Their familial relationship is close enough so that Lady Catherine would give credence to Fitzwilliam's words.But why? I can't see a clear reason why Colonel Fitzwilliam would go out of his way to tell Lady Catherine. One possibility is that Fitzwilliam holds more rigid ideas of proper marriages than we realized and wanted to warn Lady Catherine. Moreover, the timing doesn't make sense. The most immediate threat to Darcy's reputation (from Elizabeth) in the Colonel's presence was during Rosings Why then? Thus, i doubt it was Colonel Fitzwilliam. Suspect #2: Caroline BingleyShe had motives up to her ears, but perhaps not the means.When Elizabeth left Pemberley, she nagged Darcy into admitting that he thought that Elizabeth was "the best thing since sliced bread." Darcy's admission was a blow to Caroline's brittle ego. As a vindicative spiteful woman, I see her running to Lady Catherine as a last attempt to separate Darcy and Elizabeth.Still, Caroline and Lady Catherine have no known connectionn. Lady Catherine's social ranking makes it difficult for Caroline, an unknown, to approach her. One possibility is that Caroline told someone and then that someone told someone else who told Lady Catherine. This possibility leaves me skeptical. As much of a windbag that Lady Catherine is, she's still not easily swayed by rumors. I feel like there needs to be more weight to the information for Lady Catherine to go all the way to Elizabeth's home to confront her.I'd put Caroline down as the second least likely suspect.Suspect #3: Georgiana DarcyShe had the knowledge andt he means. The question remains, why?Darcy being Darcy, his recommendation of Elizabeth to Georgiana probably tipped her off on his affection. She may be shy, but she's no fool. I'm sure that by the time Elizabeth left Pemberley, Georgiana had her bridesmaid's dress picked out. Georgiana is also Lady Catherine's niece and according to Lady Catherine, quite close to her. (But we can't take Lady Catherine's word as gospel for anything.) Nevertheless, Georgiana had the means and Lady Catherine would listen to her.As for the motive, who ever said that the motive had to be nefarious? Perhaps Georgiana let it slip out in a letter or in conversation with Lady Catherine. Being young, Georgiana may have been unaware of Lady Catherine's disapproval of Elizabeth. Georgiana may have been overcome with excitement that her brother had finally found someone that he liked and spilled the milk.Also, the timing fits. Lady Catherine came to see Elizabeth in a hurry, which means that she had just heard from someone about the scandal. Georgiana could have sent her a letter after Elizabeth's visit or went to Rosings during that time period. Oops?I'd say that the most likely suspect is Georgiana Darcy since she had the knowledge, means and motive. Of course, this could also just be a small plot hole. (I forgive you Jane!)_________: Charlotte Lucas could be another suspect, but I doubt she'd want to tell Lady Catherine. Charlotte, by all accounts, is a reasonable, observant woman who keeps her thoughts to herself. Also, I don't think Lady Catherine would give her opinion much credit (wrongly so).