Author Archives: Johnson

Organic Chemistry Made Simple Using on the internet Multi-media Resources

the internet Multi-media Resources

Organic Chemistry help is available on the internet with many instructors and organizations providing entertaining learning guide presenting tests with feedback, models, and other workouts to help with challenging subjects in natural chemistry such as radio stations system chemistry, chemistry, chemicals and angles, chemical connection, and hybridization. These sources can be ideal for AP secondary school and school learning.

Effective chemistry preparation help and research content should be organized in ways that allow both learners and instructors to use. Both these categories can follow some of the following suggestions.

Organic Chemistry Teachers:

Use the power of entertaining multimedia to motivate your learners and provide them with a better knowledge of Organic Chemistry ideas that are harder to describe. The Internet offers a lot of sources that can be of help if you are able to invest some time to sort through the available content.

Promote the idea of more regular individual research among your learners and motivate them to understand more about various ideas and subjects of Organic Chemistry at their own speed.

  • Use 3-D animated design to accomplish the description of complicated Organic Chemistry ideas and provides learners with helpful visible representations. These can work chemistry help online.
  • Use non-linearly organized Organic Chemistry guides that allow the option of easily missing to preferred segments.
  • Give your learners access to multimedia learning sources that can help you on the internet course surroundings go beyond simply publishing comments and contacting others.
  • Go along with in-class lessons with a display of both design and written text by using a traditional expense projector. This can be easier and more beneficial than writing notices on a blackboard.
  • Use Organic Chemistry guides that contain many recommendations for possible examination questions.

Organic Chemistry Students:

As a student, your priority objectives are to make an extensive knowledge of the central ideas in your chemistry sessions, and of course to get a high GPA’s. Look for programs that can be used as research and evaluation useful midterm and final examinations along with chemistry preparation help. These are some of the rules on what to look for to help with your studies on the topic.

  • Materials that offer evaluation segments for cleaning up on previously discovered concepts.
  • The topic that helps put new ideas into an important perspective. Understand the wider ideas by learning the details.
  • Interactive workouts that allow you to truly interact with and involve yourself in the information. You should be allowed to definitely increase your own body of knowledge and save from online games..

Why Do I Need Commercial Truck Insurance

Everything that has a motor has to be insured. Commercial trucks are no different. But what kind of commercial truck insurance is best for you and why is it important?

Commercial truck driving is a lucrative business. One can work for a major company or be an independent contractor and work for hire. Truck drivers can work alone or in groups, as well. There are several types of commercial truck insurance plans for drivers. The most important motor coverage is primary liability, which can cover a driver across state lines. Primary liability is required for all drivers. Tractor-trailers need, at most, $750,000 in coverage to operate. In the case of an accident, this type of coverage is used to cover property damages and bodily harm. An individual’s driving record, desired coverage, and the type of business operation can determine premiums.

Motor truck cargo insurance is another type of safeguard specifically for for-hire truck drivers. It is meant for liability in case your cargo is lost or damaged because of fire, collision, or load striking. It also covers debris removal and pollutant extractions from the road and water. When you buy a policy, you set a limit. It is not legally required, but the company you work for may request that you get it. Types of vehicles covered by this safeguard include dump trucks, box trucks, cement mixers, cargo vans, and car haulers. It does not cover garbage trucks, limousines, hearses, buses, passenger vans, or ice cream trucks. Vehicles that carry pharmaceutical-related items, live animals, and art items are also not covered.

Insurance can be bought either individually or through an employer. It can be issued to you the same day. It may also take up to one week, depending on the case log and information needed to proceed. Not having insurance for a moving vehicle can have negative consequences for the driver, from suspended licenses to jail time.

Payments are also accepted in many forms, especially check, credit card, and money order. Some can be paid over the telephone, online, or by mail. Check with your insurance carrier on what payment types are accepted, how they are accepted, and if there is a charge for paying commercial truck insurance by telephone or online, as some may charge a nominal fee.

Whoever you get your coverage from, make sure they are reputable. Ask around with other truck companies, check out other customers’ reviews, the Better Business Bureau, and state agencies. Choose a company that has grown over the years and is willing to grow with you and walk you through the process. More importantly, choose a company that, preferably, specializes in truck and fleet insurance. That can make a difference for claim purposes!

Commercial Liability Insurance

Running a business can be a daunting task especially considering the economy today where there is no such safe haven for anyone who owns any type of enterprise. It can be downright terrifying and more so when one thinks about the liabilities that he might incur in the course of doing business with one entity or another.

If you are an entrepreneur who is raring to make such great shakes in the business world, you have to be aware of a lot of things particularly when it comes to insurance policies. In order to protect yourself as well as your investments from financial distraught, you need to have commercial liability insurance and commercial general liability insurance.

Commercial liability insurance protects you as well as your holdings from being subject to garnishment whenever you are held liable for an offense of which there is a punitive damage required to be paid. This is a non optional expense so before you even think about moving forward with any of your plans, you have to make sure that you have your commercial general liability insurance covered so you do not get tangled in a web of financial woes that you might not be able to free your business from.

When looking for a company to which you will entrust your insurance needs, you have to make certain that you deal only with those that are of reputable nature, preferably those that have been in the insurance industry for a very long time. There are certain pitfalls when it comes to choosing insurance companies to deal with which is why you should probably hire a expert to give you advice as to which entity to affiliate your business with.

There is no such as a perfect insurance set up and more often than not, you will end up being unhappy with what you are paying for the premiums but in the end, if you have a solid liability insurance you can at the very least count on the fact that your business will be safe from falling apart because of suits that need to be paid off and settled immediately.

Types of Van Insurance


US makes it compulsory for the van owners to have van insurance. If the owner of the van uses it for the purpose of conducting business, then it is required to have a commercial vehicle insurance along with the personal one. If the business requires frequent daily trips in the van on the highways, then it is good to protect your business from the unforeseen losses by being insured. Better be insured than sorry for the loss later. There are different covers offered when we talk about commercial insurance. Choosing the one that benefits the company in difficult times is no child play.

The current choices in the market for the commercial insurances are listed as under:

Transit Van insurance: This insurance covers the vans irrespective of it being used for no business purposes or business oriented use. Vans with this type of insurance can be used for transportation of the anything and anybody, even the owner also. The exhaustive usage of vans in a business, always requires such an insurance plan. This type of insurance has generally more discounts to offer, when it is purchased online.

Short term van insurance: The other option that is good is the short term van insurance. This is advisable if the van is not used frequently. Or the van needs be used for a certain select period of time only. The cover for this type of insurance can be chosen as per the convenience of the owner. It can be anywhere between a single day to 28 days.

Courier Van insurance: The other choice available in the market is the Courier van insurance package. This type of package suits to the owners, who are also worried about the things being carried in the vehicle. This insurance covers the vehicle and the things that are being transported as well. Hence it looks like a good option to secure one business from losses obtained, by the damage of property that is being carried in the vans, in cases of accidents.

Fleet insurance: If a company owns a large number of vehicles, and needs to get it insured commercially, then such a company can opt for the fleet insurance plan. This turns out feasible option than insuring each vehicle separately. All the vehicles can be insured with the same type of requirements for the coverage or each vehicle can be chosen to have a different cover plan.

A proper commercial van insurance must be chosen after considering the suitability of the plan to the current business. The financial feasibility of the plan also needs to be observed when choosing it. To get the best deals in the market, doing a little research is a must. Like comparing the quotes of different insurers, for discounts offered, premium costs, etc.

PHCS Health Insurance Plans, and Company Review

When looking for health insurance it is very important to keep in mind that there are many companies out there that will try offering you the best prices for your needs. However, not all of them are known all around the United States and not all of them offer you the same benefits. One of the many companies offering coverage in the continental United States is Private Health Care Systems best known as PHCS. They are the primary national PPO network and care management product of the company MultiPlan.

Before talking about PHSC it’s important to know a little bit more about the parent company. MultiPlan was founded in 1970 and is the oldest and largest of independent, network-based cost management solutions. They have more than half a million health care providers that service an estimated 40 million consumers. To top it all of the estimated millions of consumers have about 70 million claims that are processed through MultiPlan’s networks each year. How about that for a health insurance option?

On the other hand Private Health Care Systems (Owned by MultiPlan as said before) has the largest proprietary preferred provider (PPO) organization in all the United States. With about 450,000 members attending one of the 4,000 facilities PHCS members have access to a variety of providers around the United States. They are also the first and only propriety network to earn five endorsements due to quality from two nationally recognized quality assurance organizations, URAC and the National Committee for Quality Assurance (NCQA).

PHCS’ job is to contact their providers in order for them to allow their network member to visit them at lower costs. The network also has something referred to as a “High network retention rate” which means that once a customer selects a Primary Care Physician (PCP) that doctor will remain available all through their health plan. Most of the people that are members of this great network include large employers such as companies and enterprises, commercial insurance carriers, regional managed cared organizations and third party administrators. The PHCS network offers the following to its members:

National Access with Excellent Cost Savings: No matter where the members are, they offer a variety of services from coast to coast. You can contact them at (866) 750-7427 to see how much they can save you in health care costs.

PHCS Healthy Directions: Eliminates the need of having an HMO, PPO or POS because it pays full charges for services when a member travels or goes to school outside the coverage area. As a member you will be able to have freedom in order for you to choose a provider from within the national network, to lower your out of pocket costs for members with providers in the PHCS Network, and to call a toll free number in your I.D. card for provider information.

Quality: PHCS didn’t just link a variety of little networks and pierce them together, instead they created a national network that allows them to credential and re-credential their providers to maintain good quality healthcare.

Private Health Care Systems is a care management company as well as network based insurance. PHCS is the second largest independent care management company functioning in the United States today. Their care management specialists review any patients’ cases to make certain that patients receive the best treatment available as well as giving them freedom to from a variety of options that nest suit their unique utilization review needs. You are able to employ this care management system in the area of your business where it will make the biggest impact. PHCS Core Plan includes the following utilization management products, however, is important to keep in mind that you can add some supplemental products that will be discussed below in addition to the Core Value ones.

Core Value Plan:
1. Concurrent Review
2. Certification
3. Discharge Planning

Additional Supplemental Modules that can be purchased:
1. Chiropractic Review
2. Selective CT/MRI Review
3. Podiatry Review
4. Outpatient Rehabilitation Review

Health Insurance Reform Issues

For Practicing Agency Brokers, Trusted Insurance Advisers, And Financial Planning Consultants….

From time to time, there is a need for guidance in Financial Services Practice; now is definitely one of those times. There are two distinct issues working in tandem which determine modifications in the future conduct of our business: The Economy and the Reforms. Here are ideas on how to navigate our way through the maze. This can most certainly be done. With care, thoughtful performance, and innovation, Financial Services Professionals can serve the general public and make the experience satisfying and profitable. Let’s begin with some commentary on the general economic circumstances first. Following that, we’ll take up the Reform issues, how to move through them, and how the way we advise members of the general public on savings, insurance, investment, and retirement concerns.

1.To begin the economic discussion, we need to address the full and true extent of just what we as a nation and we as practitioners are up against. As of this writing, in the winter of 2009, unemployment, including the employed, self-employed, and business owners, has passed 10%, about 15 to 16 million people. Add another 6 to 7 percent to that, which includes the part-timers, disabled, retired, and those of working age who have stopped looking. We are looking at about 22 million Americans not drawing active paychecks. The closing of businesses, branch locations, shops, stores, retail, wholesale, and service sectors, adds to the severity of the overall problems. It is conceded that there are many who are drawing from savings, taking early pensions/Social Security income, receiving extended unemployment compensation, and retirees on full pensions. That said, the loss of productivity is simply staggering. All this decreases the taxes available from which cities, counties, states, and the federal government must fund budgets. Naturally, all this leads to ever worsening annual deficits and unfunded liabilities. Finally, federal government for the past 30+ years has pursued deficit-spending policies which add to all of this. A look at USDEBTCLOCK.ORG tells the whole story in real time. Take a look and notice a few things.

The national debt stands at some $12+ trillion, while the federal budget shows in the neighborhood of $3+ trillion. Take a closer look and it can be seen that $1.7 trillion is taxes, while the difference is annual debt – sale of treasuries, printing of currency. The unfunded liabilities of Medicare/Medicaid, Prescriptions, Social Security top $106 trillion! To get an idea of what these liabilities mean, consider that this funding is what must be contractually paid out in entitlements over the lifetime of those presently enrolled in these programs, say, from now and over the next 20 to 30 years. And that will become progressively larger as the Baby Boomers begin checking into the systems. This is merely the highlighted treatment of the issues and doesn’t take in figures on the levels below the federal programs and subsidies: state, and related deep concerns over inflation, tax increases, brain drain, not to mention the TARP, STIMULUS, industry handouts/loans, and funds to individuals and non-governmental organizations under Acts in force, such as new mortgages and existing mortgage relief.

We read, see, and hear the word “unsustainable” a lot. Another phrase is ” the debasing of our currency.” Still another is “breaking the buck.” Are these figures actually important to us? Well, yes. One example will suffice: the interest alone on just the national debt is about $340 billion/year, or about 12% of the national budget. And that is going to get much higher. Relate that to a family making, say, $75,000/year. With this level of household debt, that family will pay some $9,000/yr. merely to pay interest, not even to reduce its debt obligations! Just recently on CNBC, a professor of finance designated the U.S. Dollar as fiat currency, which it is. Watch just about any television station and note all the advertisements about gold. Yet, many Americans just roll on as if everything is going to be just fine. Let’s hope for that miracle. The American People have been through some very difficult times over the past 250+ years and have managed to rebound. That could happen again. This time, however, things are quite different and difficult.

Does all this mean that Americans should just roll over, play dead, and let the federal government take care of everything? As a nation, will we file for default and a kind of national bankruptcy? This may be a legitimate senario; and it could be solved through establishment of a new currency sometime in the future, after everything gets paid off in near worthless U.S. currency. But, nations and the people in them, get hurt—badly. Russia, Panama, Argentina, Germany, Cuba (and there are more examples out there), all went through this, and the people there know just how bad this is: a national nightmare from which one cannot awaken. Special note on Argentina: The collapse of that country’s currency, the Peso, not long ago, lead to black markets, swap meets, trading for needed goods with hard assets, such as gold, bartering and trading in kind, not to mention increases in violence and crime. When new prices and wages readjust to some new currency, the resultant pricing of goods and services is extremely unfavorable to individuals and businesses. One can hope and pray that this does not happen or at least is some years away. Some experts suggest anything from 2 to 20 years—-read: nobody knows for sure! That said, this leads to strategies that we in the financial services industry can and should probably look into and maybe adopt. If all this sounds like gloom and doom and just too ridiculous, let me assure readers that this writer has done his research, can back it all up, and is most assuredly not making it all up as he goes along! Independent corraboration and documentation on all of this is readily available on the internet, libraries, university papers/archives, and other public records.

2. Here are some practical suggestions for Financial Services Professionals. While nobody can predict the future, this portion of the narrative is best described within two arbitrary time frames: A. 2010 to 2014-2015. B. Beyond that to, say, 2020-2025. This time division is established for specific reasons. At the time of this writing, the U.S. Government is poised to pass and place into effect a national healthcare/health insurance reform act. It doesn’t much matter whether or not one is in favor of this particular piece of legislation or some others, reform is necessary and will come very soon regardless of what the final act turns out to be.

Care rationing is a matter of fact, already in place for some years, and will get more pronounced for everyone. There really is no other sustainable way to do any kind of reform in attempts to control steeply increasing costs of insuring seniors and those below age 65 yr. who can either not afford to be insured, can’t qualify, or act as though they don’t want to protect themselves(checking into their local hospital ER so we can all pay for that; and hospitals, in order to remain in business are already tightening up on the emergency provisions of the law). The projected costs of the one that looks like it will become the law of the land, warts and all, is estimated at between $1 and $2 trillion over the next 10 years. It will no doubt end up by 2019 considerably more. If it doesn’t, it will stand alone among all the U.S. entitlement programs in the history of the Republic to come in at or below the CBO cost estimates. Look for increasing income taxes, fewer paychecks to tax, very slow employment recovery, very fragile equities markets, more federal currency creation, more inflation, weakening U.S.Dollar.That’s the context in which we find ourselves and determines what we do as financial services advisors and implementers. Good luck. That said, let’s discuss Part A – the next 3 years.

Part A. During the next three years, things will proceed at more or less normal conduct of business in an atmosphere of continuing inflation and increasing taxes. As practitioners, we can expect to market the same or similar coverages as we do now. Adverse Selection(taking into account pre-existing conditions) will still be there to control premiums on life, individual, family, group healthcare, disability coverage, long term care insurance, retirement plans(more on this later), to mention the prominent ones. We still will be doing our due-care, due-diligence, financial planning, fact finding, observing compliance, and doing what is best for the client. There are going to be less people and businesses with which to work, and they will have less money with which to do things. Remember, the client always comes first. Words to live by.

Certainly, we owe it to those who favor us with their business to let them know what is coming as soon as we know what is in store for them and for ourselves. For the most part, we will try to continue as before – for about the next several years. After that, things begin to get very different. Let us progress to Part B, Beyond that.

Part B. After 2014-2015, health insurers drop Adverse Selection and pre-existing conditions no longer play a part in the health underwriting process, at least for much of the individual, family, small group medical insurance, and Medicare Supplementary coverages. We’ll all most likely be undergoing training, certification testing, and more state/federal regulation. There’s an upside to all of this. As long as the health insurance industry remains in play, we should be able to make as much or even more money. Nobody knows what the effect of some U.S. Health Insurance Company, Co-op, or Exchange might have on the viability of the health insurers. The CBO states that some very small percentage of the public will enroll in the Public Option plans. That remains to be seen. Many people will be subject to non-enrollment penalties and fees.

What we do know about public plans and elimination of pre-existing conditions is the example we have in Texas. This public option is called the Texas Health Insurance Risk Pool, under the jurisdiction of the State of Texas. In Pool plans, there are no pre-existing conditions to stop one from procuring a pretty good major medical insurance coverage; in fact, one actually has to have significant medical condition or conditions to be eligible. Approximately 29,000 Texans are presently enrolled, out of the millions who have commercial coverage of individual, family, or group coverage. Even with State and Federal subsidy grants each year, the premiums on these plans run 2.5 to 4 times what a similar commercial plan might cost and the coverage is not as good. In a word, it is really expensive. It may be that, since the great majority of Americans probably generally qualify by providing medical evidence of insurability anyway, the impact of accepting all applicants by the commercial insurance companies may not send the overall individual/group premiums skyrocketing(an outcome with which this author does not agree). Those who can’t afford health insurance may get federal subsidies. The fact is that nobody really has a clue. We won’t discuss the MA and OR state-run health care/insurance plans. Not working out very well. Adverse Selection Elimination is a main culprit, leading into healthcare rationing and increasing premiums.

For insurance professionals, the marketing opportunities may just turn out to be positive. Bringing into the insuring public millions of previously uninsured and underinsured younger people may be a good thing. Supplementing health insurance for seniors will be there. We need to work hard at staying in the game and not getting squeezed out by federal competition. All people out there will certainly still need competent financial services professionals, maybe even more than at present. There are those in professional positions of economics, demographics, medicine, actuarial science, and other disciplines who think that any public option may not drive out the insurers, especially knowing that private enterprise, ingenuity, innovation, increased efficiency, would allow the private sector even to drive out the public option. Look at how the Post Office, Medicare, Medicaid, VA hospitals, Social Security, and other entitlements have worked out. Remember that $106 trillion(and climbing) of unfunded liabilities and where that has put the nation and the American People. As these liabilities keep coming due, they increase the federal budget! Doesn’t sound like some great efficiency to this writer.

Finally, there is this prediction regarding earned and renewal compensation. Don’t look for some sudden drop off just because of Reform. This author has found from experience that most people are quite cautious and suspicious of new programs and will tend to retain what they have for just as long as they can, until they gain confidence in such programs, or are forced into them. Even then, many, if not most, will still retain current health insurance coverage in some form to pick up what Reform does not. That was this writer’s great surprise with Harris County here in Texas, when in 1970, the County government replaced an outdated and woefully inadequate set of fringe benefits with full comprehensive coverage. Most all the supplemental coverages that were marketed to large numbers of employees from 1965 to 1970 remained on the books for many years. That is likely to happen in our national future. So take heart.

Earlier, the topic of currency debasement, creation of trillions of dollars by the Fed out of thin air, and inflation(about 2.5% annually, by the way) was touched upon, especially as related to obtaining goods, services, and accumulation/distribution of retirement funding. This leads into the arena of retirement capital, funds formation, equities markets, cash value life insurance, annuities, precious metals, commodities, bank deposits, money markets, treasury instruments, and the like. This also includes non-tax qualified and tax-qualified retirement vehicles, such as IRAs and 401(k)s, as examples. One suggestion is the recommendation that some portion of a client’s capital or retirement portfolio of funds be placed in hard assets. Gold and silver come to mind. We would defer to a precious metals specialist for that. Hedging and potential gains are two objectives that come to mind.

Everything is open to new ideas based upon the changing circumstances. Your practice is obviously going to change; caution and creativity are the guides. Whether we operate in single needs, multiple needs, or comprehensive planning modes and implementations, all of our recommendations are going to be different as compared to past years. It is a bit like attempting to walk in quicksand. And this applies to all product implementation, not just the health insurance arena. So be careful out there.

The way we operate in ethical conduct of business will change. The suggestion is put forth that in the future, starting in 2010 and beyond, we in financial services when advising businesses and individuals, will need to either form alliances with other financial professionals who are licensed in areas where we are not, or refer people to other trusted advisors in order to fully inform the people we serve of the risks and rewards to allow them to make proper, informed decisions that work for them and provide them the opportunity to form strategies and thus to protect themselves. We are definitely in for quite a ride; so fasten your seatbelts. A tip from one who is an investor, not a sales agent: dollars are currency;gold is money. Get to know the difference. Know all the new rules, regulations, and compliance requirements. Study. Engage with other professionals. There is a big job ahead for all of us, starting now.

This is by no means an exhaustive analysis of what’s ahead, but it is a beginning. Still, taken to heart, it gives us inspiration to continue to provide the most excellent advice and coverage implementation to our clients and would-be clients. We who are true professionals are in the unique position to guide, advise, offer direction, clarify, and eliminate confusion. No government bureaucrat can come close to what we do. Imagine that!

The Recommended Minimum Insurance Coverage

Being the consummate all-in-one policy for small and medium-sized businesses, commercial general liability coverage is sometimes viewed as the sole type of business insurance that a new firm needs. While large firms that employ many hundreds of people, generate comparatively-higher revenues and operate from several locations also require a more advanced approach to insuring their assets, the basic CGL (commercial general liability) plan provides affordable coverage that is usually quite adequate for smaller businesses.

What Types Of Claims Are Insured By A CGL?

Because most claims filed against businesses fall under one of four categories (bodily injury, personal injury, advertising injury and damage to property), the standard CGL specializes in providing the maximum level of coverage at the least expensive price in these fields of liability. The reasoning behind this strategy is to provide the consumer with the most-comprehensive business insurance coverage possible, at a price below what would be paid if she or he were to buy each of the four policies separately.

Just How Much Coverage Is Offered By A CGL?

There can be areas of certain small businesses which require additional coverage beyond that which is offered by a CGL, but the standard coverage provided against the aforementioned “big four” liabilities is generally more than sufficient for the majority of ventures. Although the exact amount insured by each policy may vary greatly, as a standard rule of thumb, all commercial general liability insurance plans cover the fees connected with defending and settling against a covered claim. If the nuances of your business open you up to the possibility for extremely large judgments against your business, you may want to consider supplementing your CGL with an umbrella policy.

About Umbrella Policies

The loosely applied term “umbrella policy” represents any type of supplemental coverage that can be purchased to safeguard the insured against monetary damages or fees which exceed his base policy’s limits. When utilized in addition to a CGL, the purpose of the umbrella policy is to protect the business owner from highly abnormal, unforeseen events that result in potentially catastrophic judgments being levied against his personal and business assets.

Umbrella policies may be looked at as an additional insurance policy that protects your business if your business insurance fails to deliver. Since they are highly affordable, many companies decide to purchase them simply for the relative sense of added security that they provide.

CGL Is The Minimum Insurance For Businesses

On top of the fact that a CGL covers the four most vital things to a small business owner (property damage, bodily insurance, advertising claims, and personal injury claims), it also accomplishes this in the most-economical manner possible. By combining multiple individual plans into one comprehensive policy, it’s usually more cost-effective than it is to purchase all of the policies individually.

The Best Way to Get Commercial Van Insurance

If you use vans for your business you will know that even in these times, prices should be meticulously evaluated and be given high priority. This is why it is so important to compare any insurance whether it is for the business.

When your commercial vehicle or van has so many different workers driving it instead of just you as the only driver it will increase the premiums. However, finding the right online insurance will continue to be important in either case. Now with the internet, shopping for an online insurance quote is easily completed and makes it a lot easier in comparison van insurance with another company and assists you in getting a least expensive plan.

Anyone who is a courier or like wise business, that moves that items on the road will have to make sure that whatever private insurance for vans you obtain covers the items you are moving in your country. A private van insurance coverage plan as this one is not only a typical expense but also an extremely necessary even though at times it can be very hard to get the right deal.

Even with all the difficult commercial insurance for vans plan, shopping for any van insurance quotes, is the fastest and smartest way as it can give you such an accurate estimate when performing van insurance comparison with one another and best of all save you from having to drive for miles to only face an insurance rep.

With the vast amount of insurers that give quotes on the internet you have an advantage that you can get instant access to hundreds of quotes that you can compare instantly. A business vehicle like a white panel van is a major investment and you will need to secure this properly.

Health Insurance Coverage Plans For Business


For business owners, providing group health insurance benefits helps retain high quality employees and ensures better production with preventive medical care for a healthy workforce. With BCBSF group insurance plans, there are many options for Florida employers to choose the amount of premiums they cover, and a wide network of medical providers.

In 2007 alone, Florida business owners added 200,000 new members enrolled in BCBSF commercial health insurance plans. According to the South Florida Business Journal, ” This 3.1 percent increase brought the total employees insured to nearly 9 million Florida people in commercial health plans, including both insurance provider-underwritten and those self-insured.” The greatest increase came from the Blue Options PPO health plan enrollees. This popular health plan has higher deductibles for employees and lower monthly premiums, thus giving affordable payment options to both employers and employees.

In addition to the top growth for commercial health plans, employees have rated BCBSF health coverage plans with the “Highest Member Satisfaction Among Commercial Health Plans in the South,” according to the J.D. Power and Associates 2007 National Health Insurance Plan Satisfaction Study(SM). Florida employers can choose various payment options from paying the entire premium of the employee; to sharing a certain percentage of the annual insurance costs.

The popular BlueOptions PPO (Preferred provider organizations), meets the diverse needs of the workforce by providing different benefits and premiums options, including Health Savings Account (HSA) compatible plans. To help control health insurance costs, the health savings accounts allow the employers and employees to cut costs with payments to a pre-tax savings account that pays for routine and preventive medical treatment. The HSA plans are usually combined with higher deductibles to keep costs of monthly payments down.

Another popular group insurance plan is the BlueChoice PPO that gives your employees the choice of quality doctors and hospitals within the BlueChoice network with no required referrals. BCBSF also offers dental, disability, life, and long-term care insurance policies. In addition, there are a variety of financial programs for groups that put the employer in control of health care costs and may offer tax advantages, like Flexible Spending Accounts (FSA) and Health Reimbursement Accounts (HRA).

Another commercial health plan choice is the BlueCare HMO, offered by Health Options, Inc. This group plan gives employees a full range of benefits including preventive care and fixed copayments. Generally, HMOs (Health maintenance organizations), require employees to choose a primary care physician from the approved BCBSF provider network. Thus the monthly premiums can be lower for both the employer and the employee, while still getting comprehensive healthcare coverage for medical needs.

For those employers with many questions, consider contacting your local BCBSF licensed insurance agency to learn all about each group policy and the options available to employers for commercial health insurance plans. These plans can also include vision and dental insurance to cover the complete medical needs of the employee.

Best Commercial Health Insurance Plans

Health insurance is a key player in today’s economy. Fierce competition is why companies have been trying to provide the best benefits for each plan. So here are some of the top-ranking companies when it comes to managed care plans in the US.

On top of the list is Harvard Pilgrim, offering health insurance plans in New Hampshire. Based on U.S.News, it was ranked as the top commercial health care provider in the US for 2008. Harvard Pilgrim gives full health service benefit to their members as well as a good quality of clinical and preventive care services. Their plans include HMO, POS and PPO type of coverage plans. Their HMO provides preventive and medical services including consultation and hospitalization, same with their POS and PPO type of plan.

Another highly-ranked company is Tuft Total Health Care. This company is ranked as the second best commercial plan company in the US today. Some of their programs include preventive health care and immunization, special programs on how to quit smoking, maternity care and women’s health. They also have programs for chronic diseases like diabetes, heart disease and the like. Providing services from serious illnesses to common illnesses makes them one of the best providers when it comes to health plans. They provide standard network plans that are accessible and affordable while at the same time giving quality health care for an individual or a family in their community.

Another company is the Grand Valley Health Plan. They combine insurance coverage and medical services. Among the good programs offered by their company are employee wellness programs. This program includes cholesterol management, stress management program, weight control, non-diet weight management and a program on how to quit smoking.