Indlela Yokukhuluma Nabachwepheshe Bomshuwalense Wezimoto?
Lapho uthengisa umshuwalense wezimoto ezingabizi, uzodinga ukukhuluma nommeli womshuwalense wezimoto ngesikhatsi esithile. Ngisho noma yikuphi ukwesaba okungase kube khona, ukuxoxa ngezinketho zakho nge-agent yomshuwalense wemoto empeleni kuwusizo lwakho – uma nje ubuza imibuzo efanele. Yiqiniso, umsebenzi we-agent ukukwenza inzuzo kuwe ngokukuthengisa umshwalense wemoto kakhulu oyoyithatha. Kodwa ngokusebenza, i-agent enekhono empeleni izokusiza ukuthi ulondoloze ukheshi ngokukusiza ukuthi uthole ibhalansi efanele yokuvikelwa futhi ubiza izindleko nokuthola noma yikuphi ukugcinwa okungakalungela ngaphambili.Nokho, akuzona zonke izithunywa ezidalwa ezilinganayo. Yingakho kungumsebenzi wakho ukwenza umsebenzi othile wesikole ngaphambi kokuba uvakashele. Nakhu okudingeka ukwenze: Thatha ulwazi ngaphambi kokuba ufike. Ngaphambi kokuba ukhulume nomuntu nomuntu wegazi, thatha isikhathi sokuphequlula i-intanethi ngezinye izinzuzo ezinhle kumshuwalense wezimoto eshibhile.
Ungakwenza lokhu kalula ngekhodi ye-zip noma usesho lombuso nesifunda. Izinjini zomshuwalense wendawo yomshuwalense wendawo zivumela ukuthi uthole ukuthola uhlu lwezinsizakalo zomshuwalense wemoto eduze kwakho, kanye nokunikeza isaphulelo kanye nezaphulelo ezikhethekile. Thola izinhlelo eziningana zeminshuwalense ezifananisiwe futhi uhlele aphoyintimenti ukuxoxa ngezinhlelo ngefoni noma ngomuntu.
Uma uhlala phansi nesikhulu somshuwalense wemoto, qiniseka ukuthi ubazisa ukuthi uyithengisa. Ungase ufune ngisho nokubiza isilinganiso esinqunyiwe umncintiswano akucasile ngaso. I-agent yakho izokwazi ukukunikeza okuthile okuncintisana, noma uchaze ukuthi kungani icebo lakhe lingcono, futhi ngaleyo ndlela libiza kakhulu. Uma ukhuluma nommeli othunjiwe, uzokwazi ukukhombisa ukuthi izinhlelo zikhona ngokusebenzisa inkampani eyodwa. Noma kunjalo, i-ejenti ozimele izokwazi ukukunikeza izinhlelo ezivela ejensi eziningana ezehlukene.
Ngaphandle kwalokho, cela uhlu oluphelele lwezohwebo nokulondolozwa. Ungathola izaphulelo ezikhethekile zamalungu nobulungu, njengezinhlangano zama-alumni. Ungathola futhi isaphulelo uma uvuma ukukhokhela ama-premium akho ngonyaka, kunokuba unganenyanga. Okokugcina, ungagcina imali ebalulekile ngokuthatha i-deductible ephakeme. Buza i-agent yakho ngokuqondile ukuxoxa ngalezi zindlela bese uphawula izindleko ezijwayelekile zomzila ngamunye.
Kakhulu, khumbula ukuthi ungalokothi ugijimele. Ngenkathi ungashintsha amacebo akho ngokuhamba kwesikhathi, kungcono ukuxoxisana ngokudayisa okuhle ekuqaleni. ama-agent womshuwalense wezimoto uzama ukukuqinisekisa ukuba ubhalise nabo ngaphambi kokuba uhlole izinketho zakho, kodwa ugweme ukwenza ngaphambi kokuba uneliswe ucwaningo lwakho. Uma usuphethe uhlelo lwakho, ubuyekeze izinhlinzeko ezivela kuma-ejenti omshwalense womshwalense ngezikhathi ezithile ukuze ubone ukuthi okusha, izaphulelo ezingcono zisanda kutholakala. Ukusesha umshuwalense wendawo wendawo ku-intanethi kuyisikhulu futhi kulula. Kuthatha kuphela imizuzu emihlanu futhi kungakusindisa imali eningi eminyakeni ezayo.
Selecting health insurance for a small business is a somewhat complex task, at best. Whichever health insurance program you pick, it must match your company's needs and resources, so it is best to choose a self-employed health insurance professional that can guide you, and provide you the best information to enable you to make the best and most informed decision.Health insurance professionals are:Agents work on behalf of the company marketing and selling their products, and are paid commission based on sales.Brokers are licensed and represent a number of different company's products, usually compensated by the insurance company the sale is placed with. The broker must provide on-going service to clients of the company.Consultants evaluate group needs, design plans, and recommend the most reasonable company. The consultant is paid through the contract with the employer group. The contract outlines fees and servicing for the company.When choosing a company or carrier, you should make an informed decision based on the plans offered, the company or carrier's reputation, the agent's reliability (talk to people who use this company), the company's stability, and length of time in business.The New York State Department of Insurance publishes compliant ranking for health insurance providers that includes records of grievances, appeals for medical necessity, and department complaints which you can access through the following website: http://www.ins.state.ny.usTo find out about the financial stability of the company, ask for a copy of its ratings through A.M. Best & Co, Duff & Phelps, or Standard and Poor's. For additional information, contact the New York State Insurance Department, as they issue the carrier's licenses, and monitor their carrier's operations.You should also make note that insurers are required by law to disclose information on coverage parameters, utilization, review policies, prior authorization requirements, premiums, cost sharing, payment methods, responsibilities, grievances procedures, how to acquire emergency services, as well as procedures for selecting, changing, or accessing providers.As the owner of a policy from any health insurance company, you have certain rights. Most insurance contracts now have grievance conditions and clauses built in. This is useful if a provider denies access to a referral or judges, a benefit not covered under the signed policy agreement. The procedure must be outlined in the agreement and must be provided to the policyholder as written notice.You, as a policyholder, with a built in grievance procedure have the right to complain and have your complaint reviewed.
Many medical professionals say that managing their accounts receivable is one of the most time consuming task in their business management. Due to the long process associated with reimbursement from third party payers, the need for medical accounts receivable financing has greatly increased.A/R Funding (Accounts/Receivable) is the selling of your account receivables for cash versus waiting 60 or 90 days to be paid by the Insurance company, Medicare or Medicaid.A Healthcare Accounts Receivable Funding company purchases receivables of rated health insurance companies and governmental agencies. The monthly service fee (tax deductible) is a flat fee that is deducted from the remittances. The actual fee amount is based upon a number of factors including average turn around time of the remittances, average claim size and overall account size. The actual funding can take place within 3 to 5 days.Different Lenders handle the Funding processes differently. Usually an Accounts Receivable Broker will select a company based upon location. Sometimes it helps if the Medical facility and the Accounts Receivable Funding source are in the same geographical area.The sale of receivables creates no additional debt to the balance sheet and the monthly fees are 100% deductible.Medical Accounts Receivable Funding sources are thoroughly familiar with the laws and limits of Medicare, Medicaid Insurance companies and third party payers.Clients who may need Accounts Receivable Funding usually are too new to obtain bank financing or need accounts receivable financing for payroll, expansion and/or working capital.Regardless of the financial needs, Healthcare A/R Financing is a unique industry with unique solutions. To receive more information or to be referred to a Lender that can help your particular healthcare business, http://www.taxeswilltravel.com/Application.htm complete the short 5 question online pre-application and get your pre-qualified reply in a matter of hours.