Jennifer Opra Writing About Mailing Lists

Welcome to New Lead (custom business and consumer marketing list site).

Article About Mailing Lists has been written by Jennifer Opra on 8.13.13.

We are marketingJennifer Opra and Kids list providers our marketing lists generated as a mailing and telemarketing lists for business brokers in USA.

We have over nine million custom records, updated every 90 days against Do-Not-Call List.

If you are marketing professional and looking for custom data such as a mailing or telemarketing lists that meet certain criteria, you have came to the right place. We make your fresh data filtered, tailored to your particular product and ready for your mailing or telemarketing campaigns.

Examples:

  • If you are  selling diabetic supplies  and looking to reach people with diabetics, we have those for you.
  • If you looking for consumer list of potential buyers of you reverse mortgage plan, we got  them as well.
  • If you looking for doctors, lawyers, retail stores or any other types of custom mailing lists, we have them too.

We have filtered custom lists for the most marketing pros in United States, however if you selling specific product and looking for unique telemarketing, or mailing list  and we do not have a knowledge of, most likely we do not know what special custom filters we have to use. All you have to do is to let us know what type of filter do you need and we will get specialty custom list that will meet your product criteria.

New Lead providing quality consumer mailing list, business marketing list and telemarketing lists for marketing professionals our lists are 100% exclusive.

We have  absolutely unique custom mailing and telemarketing data.

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What is HIPPA?

The Health Insurance Portability and Accountability Act came into existence in 1996. This act is also commonly referred to as HIPAA.

(HIPPA article was written by Jennifer Opra 8.13.13). This act is designed to provide protection of health insurance and medical insurance cover for individuals and their families if they change jobs or lose jobs due to reasons like disabilities or ailments. The Title I portion of the HIPAA is the one that provides workers this protection. The other title, Title II is known as the Administrative Simplification provision. This title requires certain national standards to be established. These national standards pertain to health care transactions that are electronically processed as well as national identification for medical service providers, health and medical insurance policies as well as employers.

Title II is also known as the AS provision. This provision also helps address security concerns and privacy concerns related to health data. By encouraging nationwide usage of electronic data, the health care system within the United States, this title II or the AS provision looks at making the health care system more effective as well as efficient.

Title I of the HIPAA is also designed to help regulate the availability of group health and medical insurance policies as well as individual health and medical insurance plans. In addition to regulating availability, it also controls the breadth of these plans. With group health insurance plans, there can be a limit of benefits and coverage provided to patients with pre-existing medical conditions. Title I is used to help regulate these restrictions. Most group health insurance plans today do not allow benefits coverage for pre-condition related treatment for the first twelve months of enrollment in the plan if the individual has a set of Existing conditions. In the case of individuals opting for late enrollment, this period can be as high as eighteen months. However, if individuals were enrolled in any group health plans or had health insurance prior to joining the health plan, then they have the option of reducing this exclusion time frame. Title I provides individuals the option of reducing the exclusion period further by the duration that they had coverage prior to joining the plan. Prior coverage can include any group health insurance plans, individual health insurance plans, Medicaid or even Medicare.

Title I also provides exclusion by the time duration of any major breaks in coverage. Major breaks in coverage are generally defined as a 63 day period where the individual is without any kind of medical coverage.

Certain long time frame plans and limited scope health insurance policies like dental insurance or vision related insurance plans which are offered outside of medical insurance policies are exempt from the Title I of the HIPAA. However, if medical benefits are a part of the general medical health insurance plans, then HIPAA still covers benefits for these plans.

Title II of the HIPAA also provides definitions for policies, any procedures as well as for standards and guidelines which can help maintain the privacy as well as the security of the health related data.

The Title II provision also outlines the various offenses and criminal penalties that relate to health and medical care. Title II also helps determine penalties for these offenses and violations. The Title II provision also puts in place certain programs which help control fraud and financial abuse within the health and medical care system. Title II also works with creating rules and guidelines that are written to improve the efficiency of the medical care system. Standards are drafted for use and to spread awareness of information related to health care. Standards and guidelines apply to health policies, clearing houses for medical and health care, billing service providers as well as any health information and medical systems for the community.

All these entities which have been covered by the HIPAA have to use electronic systems for transaction processing of this medical data and all these entities have to use a single national identifier. Additionally, if entities are found violate any HIPAA rules then there are civil money related penalties set. Entities found violating HIPAA rules are also liable to hearings and investigation procedures.

Enforcing the HIPAA Title II has also changed the way that physicians and medical facilities operate. Because the legalities associated with HIPAA as well as complexities of penalties increase, paperwork also increases. It also increases the expenses related to implementations. This causes concern in the minds of physicians and within medical facilities. Confidentially related to health data is also a requirement for medical care facilities that provide alcohol or drug rehabilitation services.

Preferred Provider Organization

Preferred Provider Organization or PPO is an organization that provides managed care to patients.

(Article written by Jennifer Opra 8.13.13). It is an organization that consists of medical personnel like doctors, physicians as well as other medical providers for health and medical care to patients. Preferred Provider Orgs. are organizations that partner with medical insurance providers or other third party administrations to provide medical and health care to the clients of the medical insurance company or the administration company at lower rates compared to traditional rates charged the medical service providers. PPO are also referred to as Participating Providers. Another commonly referred name for a Preferred Provider Organization is Preferred Provider Options.

A preferred Provider Organization is a medical and health care arrangement that is based on subscriptions from individuals. When individuals subscribe to or enroll in  memberships with the Preferred provider organization, they receive considerable discounts on the prices that are usually charged by the designated medical professionals who have partnered with the Preferred provider organization. Preferred Provider Orgs. charge the insurance company a certain amount of access fees for using their network. The earnings of the Preferred Provider Orgs. come through the access fees that they charge the insurance companies.

Traditional insurance providers’ earnings comes through individual and family premium payments.

Insurance companies pay any corresponding fees and expenses in part or in full to the medical doctors and physicians or to the medical service providers. PPO can also negotiate with medical providers and medical facilities to set up fee payment schedules. Preferred Provider Orgs. also work to handle any disagreements or disputes between the insurance companies and the medical service providers.

Preferred Provider Orgs. also sometimes contract with, subcontract to or partner with other Preferred Provider Orgs. in and around their geographical location. They do this in order to establish their combined strength in an area without having to form new liaisons or partnerships with medical service providers. Such partnerships between different Preferred Providers. are largely beneficial to both parties. This is because the insurance companies will get charged or billed at much lower rates when they employ the services of the preferred provider organization. The preferred provider organization will also see an increase in its own business as most insured individuals and families in the preferred provider organization will only use the medical service providers that are members. Preferred provider organizations have gained immense popularity through the general medical insurance requiring populace in the past few years. This is because, even though Preferred Provider Orgs. have a higher premium amount to be paid as compared to health maintenance organizations or HMOs, or even as compared to other restrictive health insurance plans, they offer much more flexibility compared to health maintenance organizations and other insurance plans.

  • PPO also include a concept called utilization reviews, by which they can monitor the treatments being provided to individuals to make sure that individuals are being provided the appropriate treatment. The review procedure is usually handled by certain representatives or members of the health insurance company or the administration. They also make sure that the individual is not being provided any treatment solely to increase the amount of reimbursement that medical providers or physicians would receive as a result of their care.
  • Preferred Provider Orgs. also have certain eligibility criteria or rather a certification mandate that the individuals are required to meet in order to receive coverage for their treatment. In this case, any scheduled institution or medical facility admissions, like an individual’s admission to a hospital for treatment of non-emergency conditions will require prior sign off from the insurance companies. The same is also true for individuals who require outpatient surgeries of a certain kind. The prior sign off from the insurance companies will in essence mean a utilization review for the case, before the patients receive approval for hospitalization or outpatient surgery.

Another form of medical organization which deals with insurance companies and medical providers is called the Exclusive Providers. EPOs are another kind of managed care health insurance plans which combine some features of the health maintenance organizations or the HMOs as well as features from the Preferred Providers. or the PPOs. The reason it is called as ‘Exclusive’ is because the medical providers, physicians and other medical personnel as well as the employers provide their agreement to not contract with any other health insurance plans. They remain exclusive to this managed care option.

Our PPO Business marketing lists are 100 percent exclusive.

Guide for The Home Buying Process

According to latest consumer reviews, if you’re undergoing a new home construction, you’re probably wondering what you should expect.

Frisco Homes for SaleThe home building process is exciting and overwhelming, but here is a general idea of what will happen. Every project will be different and the process will depend on where you are located so be sure you understand your unique situation, your builder should be able to help with this.

First, the building site will be prepared and the foundation poured. Many times the same crew will perform both of these tasks but not always. The ground will be leveled and rock and other debris cleared from the site where the foundation will be poured and the house built. Once it is clear and level, the foundation will be poured. Depending on the type of foundation or basement that is being poured, the footings and forms will be placed and the concrete will be poured into a wooden form. In the case of a full basement, a hole is dug first. Concrete does take some time to cure so there will be a period of time that no other work is completed on the job site. Once it has fully cured, a water proof coating will be put over the concrete and any drains or plumbing that is required will be lined out. After this step there is usually a city inspection before more work is completed on the job site.

The next step is the framing of the house walls, floor system, and roofing. This is often referred to as the shell of the house. Plywood is then put up on the outside walls and roof and windows will be installed. The house will be wrapped in material to help keep moisture out as well. After the framework, the contractors will move on to the plumbing, electrical wiring, and heating and cooling systems. The roof is also constructed at this point and fixtures like tubs and showers will be installed. It’s easier to put these heavy things in before interior building begins. The duct work for the heating and cooling system will be installed and insulation will be put in the walls, floors, and ceilings.

When the roof is on, the electricians will start installing outlets and switches because they are now protected from the elements. Pipes are usually completely in place before wiring is done because wires are easier to maneuver. Once these steps are completed, there will be another inspection and the installation of drywall can begin. At this point the house will start resembling a structure that looks believably like it will be livable!

The final steps include the interior room trimming, concrete pathways and driveways that are needed outside, window sills, balusters, cabinets, fireplaces, and all those lovely things people have come to appreciate. Counter tops and flooring such as tile and wood may also be placed at this time. If carpet is being used, it is usually delayed until all other construction is finished to prevent ruining it prematurely.

Light fixtures and mirrors will also be installed as well as the carpet and all final cleanups will be completed and yet another inspection will be completed. You will have a final walk through with your builder and help explain any required maintenance. This is the time to have anything that needs adjusted taken care of, look at all the little details during this walk through and bring extra eyes as well. Check to make sure there are no tiny cracks or chips in flooring or counter tops and that all the switches and electric sockets are working properly. Everything should be fully functional at this point.

Article written by Jennifer Opra on 8.8.2013.

About Home Design

There has been a rebound effect in the new home market and now buyer attitudes have changed, people no longer want what they used to out of a home.

Jennifer Opra Home DesignOur homes have become more valuable to us after the real-estate crash and people seem to be paying more attention to what they want and need in a home in case they get stuck there longer than they originally plan. Years ago, people purchased homes with the intention of staying a few years, selling for a profit, and buying something more suitable for their family. Now, people live in fear of being stuck with something they hate because it has happened to so many people in the last few years. Some people are even putting off having a family because they are stuck in a home that just isn’t suitable for more than one or two people.

Kitchens are perhaps one of the most noticeable changes. Kitchens used to be a small area in a home but now they are often a deciding factor when a family is looking for a new home. Kitchens in most homes nowadays need to be geared towards fitting groups of people, not just a small family. Glamorous kitchens are often shown on television and leave people longing to have their own state of the art kitchen to create culinary masterpieces in. Homes shows and tours are great places to look for inspiration on what is selling or what is available that you may find useful.

Homes are expected to continue evolving and have even more options and perks available to the buyer. Homes have an increasing demand to be functional and adaptable to different events and family situations. Every room needs to have high value and be more than functional. Space needs to be optimized to make the most of every inch. Many people even want space for their very own home gym now, beyond a dusty treadmill in the basement as people went for in the past. Gyms are often incorporated into multi-use rooms and there are even specialized pieces of equipment that are hidden as other functional objects when they are not in use. Other people may decide just to dedicate a finished basement or room with a view as their home gym.

For the garden lovers, there are even outdoor showers with some homes.

Outdoor spas are increasing in popularity as are stall-less showers, which are gorgeous to look at but leave some individuals feeling uncomfortably exposed even in the privacy of their own home. For outdoor spas, people tend to use elaborate gardens for privacy.

Technology is also being incorporated into homes, even in outdoor areas. From speaker systems to computers hidden in landscaping, the options are infinite. Many functions in a home can even be controlled from your mobile phone, even a fire place. Security systems and even alarm clocks can be controlled remotely as well. Security systems offer lots of features; some will set your alarm clock for you if you forget while you’re away and are afraid you will forget.

Homes are also become more eco-friendly to cater to the new green market and generations concerned with the welfare of the planet. There are technologically advanced composting systems, rain barrels, solar roof panels, and many other options available.

Home design is ever changing – if you thought you’d never have your dream home, think again. Virtually anything is now possible and being thought about. Homes are finally catching up with the information age and offering as many options as computers, mobile phones, and tablets, except we can live in our homes while we live through our gadgets.