The following article is from an article in 1997, but many of the elements of limitation are still needed - one of the big differences today is that producers are following closely the prescription for the reporting of test track, but the bill for physical medicine and rehabilitation services - in particular, therapeutic procedures, has been inserted.

One can imagine that we are one year of income in a month? Want to know how to increase your weekly income $ 8000 to $ 10,000?These are just some of the questions set by national organizations, providers of doctors surveyed fraud with the promise of prosperity.

This is an unfortunate reality that some doctors have greed in mind, not of patient care and the use of patients as the vehicles in their search for wealth. And for them, the soft tissue is just what the doctor ordered!

Soft tissue lesions is best described as an aberration of the skin, muscles, tendons and ligaments, sprains and strains of belonging and itsSyndromes, which are self-limiting in nature and with or without treatment, in which 90% will heal spontaneously resolved in 90 days. These are minor injuries, which are subject of complaints by patients, or to inform the patient that the doctor, and for the most part, objectively verifiable, and prove almost impossible to identify or refute them. As a result of damage of soft tissues that may be of vital importance for fraud doctor!

The National Insurance Crime Bureau (NCIB), whichProperty & Casualty insurance operations arm of insurance against crime, identified the soft tissue damage that fraud in connection with typical lesions require. And the relationships that are unscrupulous medical providers and lawyers, the largest monetary incentives to participate in this type of fraud. NCIB relations, the frequency and cost of this information is on the rise, reveals a study by the Insurance Research Council that the reports were filed by soft tissue lesions, 83% of applicants in AT-fault car accidents in 1992, up to 75% in five years, and argue that the costs are about four times higher on average than 15 years ago. The NCIB is estimated that the average American household pays an additional $ 200 prizes each year for 20 billion dollars annually to pay the insurance fraud problem!

These minor wounds is a major problem for insurers and consumers - no coincidence - but with the specific intent and design of the provider of local, national controlDo> Travel the country for doctors willing to do anything to make more money, he found. Many of them are attracted to that used for wealth, and to do exactly that - what you need! Here is the ideal environment for soft tissue medical fraud, could be used as soft tissue injuries to the limitation in blatantly and expensive system of fraud, and follow a recipe for wealth! This recipe calls for specific ingredients:

Use every means to involve professional associationsFraud and calling for people with insurance get in the door.

Turn everyone with insurance, regardless of medical condition or need, in patients.
Keep patients return, regardless of the need to run until the insurance, or cut off.
Bill for tests of no insurance, at no value of diagnostic tests and unnecessary treatments.

Do not use aggressive tactics, legal and political connections in order to pay the insurer.

ThisRecipe is only making money, not the best people. We trust that the doctors have the experience, knowledge and commitment to get better. We expect a lot of health professionals, and most offer an honest and caring. But doctors in this recipe, the use of their profession, position in society, and trust to steal the result of tests costly tests and treatment! Evident from the ingredients listed above, especially numbers one and four.

Ingredients of a greatdisturbing, not only for the financial impact may have, but more importantly for the concern for public safety, they create for patients. This agent calls seeking to doctors, people with insurance, provide little or no consideration for the welfare of the patient, to be used as vehicles to steal. One of the tactics most commonly used to achieve these ingredients' practice sessions, which are supposed to be available as a public service by doctors concerned about our health, because we can be hurt and do not knowit!

The "practice sessions" are offered through advertising, coupons, store events are free dinners, phone calls and / or letters, not the public service! The exam free is a bait and switch scam, with the test (bait) offers physicians the ability to hard sell people with assurances about the need for treatment and for patients (SWITCH). The first to consider what "for" insurance is available, as determined by questionnaires in which actual injury is difficult to make a difference in"Free Exam" scams, but this assurance is the basis for treatment. Doctors with this tactic are to find the dice rolling Revenue = INSURANCE!

Consider the bait the words "Free Exam, you may be injured and not know it. Now, someone could be injured and not know?" I know when I'm bad, right? How do doctors diagnose soft tissue injuries, the people who do not know, I am injured? If you are not hurt, you have the (subjectively) complaints, the physician shouldThe diagnosis of this disease? Moreover, they should be examined, free of why a doctor for us? The doctors are really so concerned about our health, the fact that they provide us with a free doctor? I do not think so, what do you think?

Favorite targets of these tests are car accident victims on behalf of police reports. The police report not only documents, car accident, but also provides contact information and insurance on the victim (s). Both medical professionals and lawyers to see the money in the formfuture insurance benefits, and aggressively urging victims of car accidents by e-mail and telephone. Victims may be contacted from various sources of accidents, and businesses to collect, established in other parts of the country for local professionals.

The fourth component of the formulation is of particular interest and importance to combat fraud, with the completion of this ingredient to operate, doctors proved beyond any shadow of doubt, cheat! The bill for the services is not possiblesupply and for others that are absolutely unnecessary for the diagnosis of soft tissue lesions. When called to account for billing services, and I know what it is billing codes, the evidence is strong to stop these doctors.

Terminology applicable procedure codes or CPT are used by most healthcare providers, including doctors have the recipe for the payments. The American Medical Association announced the CPT codes, so that all service providers could accurately report services and collect the correctCompensation. These codes are used to the amount of work, the decision and instruction of the health risks to patients and providers, using the code to the code (s) to select the correct identification of the service (s) executed.

A simple way to determine which billing services, the use of CPT codes, and break bills into the categories of services: exam TREATMENT. Calculate the various categories can be found in the respective amounts submitted invoice. Normally, the calculations below, we find thatless than half the bill of the doctor) for treatment (services to assist the patient in achieving a better state of health, and most of the bill for the tests and trials. In addition, the models are identified, with services exactly the same for all patients in the invoice.

Moreover, if we know what set of CPT performance in the office of the medical prescription is required, you can stop our evidence to the respective regulations expensive. These doctors are not choosing codes that mostto determine exactly what their services. Many of the tests are fully charged, which are impossible for patients with soft tissue injury result. Many of the load test set of objective data, which is impossible in a subjective injuries. And most will be deducted from the treatment is limited to services that do not need a doctor to administer. Each category of service deserves a closer look.

Examinations - CPT has five levels of tests based on the type of representation of medical problems and risks ofPatients in the targeted problem (minimum) and complete (seriously). CPT reports three main components of an examination: 1) history, 2) physical examination, and 3) the medical decisions. Each component will be different requirements, depending on the level of service reported, which must be met, or exceeded, auditing services Bill. Work more and the decision by the physician is required and the higher the level of proof.

The recipe calls for doctors to bill for examinations complete. CPT reported that usuallyDoctors will have 60 minutes, completed in the presence of the patient and / or family to address a global process of testing, where doctors: 1) a complete history, 2), a complete physical examination, and 3) to make medium-high complexity of medical decisions on patients with moderate to high risks of morbidity and mortality) (death and / or prolonged failure without treatment. The full review is complete and is conducted in patients with serious health problems.

AlthoughStudies show that the preferred billing codes that doctors may, however, none of the required components of a full examination to be done. The health risks of their soft tissues are much less patient than the risks for patients who need a comprehensive review. Soft tissue injuries are not serious illnesses. CPT is a code that is exactly the test on the soft tissues of a patient? Yes, because it really is, but is not complete, and, most importantly,not pay as well! Display, these highly trained and qualified medical professionals to avoid knowingly steal the code and the evaluation report does not expressly provided for a proper service!

Mar-tests in addition to the amount of money required tests, the recipe calls for doctors to bill for expensive diagnostic tests. These tests specify the objective data in subjective soft tissue injuries. Is it possible? Not that it makes the target of prejudice? Even if possible, what differencewould be objective data on damage until the patient is determined that it will heal in time, with or without treatment? The difference is the bill to increase patients' costs for tests and value. Normally the tests, the costs will be operated by an unlicensed assistant in less than 10 minutes on a particular region of the body, more than double what the doctor charged for the examination of the entire body.

CPT has made specific codes for many of the tests by doctors in the following accountrecipe. However, the provider of the national organizations scams ask you to use the codes for the service of wrong question. Most of them stated objective tests are not medically or scientifically valid and do not provide the objective data relied upon. In most cases the tests are still not taught in accredited schools, but at the weekend seminar, taught by people with a financial interest in specific tests. This lack of validity, has not stopped themDoctors.

Do not think that in all the tests and the total turnover reported that these doctors all the information necessary to say (a condition of what they had to treat patients identified)? The tests do little or nothing to do better with patients, but are the ingredients for wealth. The national organizations of fraud chosen provider soft tissues as a basis for prosperity, because it is not to prove this injury exists. The other side to earn more money,Responsible for applying the evidence to prove that the damage is present. You can not have both!

TREATMENT - CPT code will be monitored numerous management, with specific requirements for each of two ways: 1) medical supplies broken, and 2) the doctor. Some codes that require treatment by a doctor predicted. Others require only that a doctor monitor the treatment of the proper treatment was provided, properly applied, on the right area of the body, and for the correspondingTime. The treatment must have a relationship with the injury and the treatment itself is limited to soft tissue injuries, but specific requirements must be met before settlement processing services.

The majority of treatment charged by doctors for the recipe, the same in all patients, regardless of need or individual condition and are operated by unlicensed assistants. The recipe, with the specific purpose of making more money, the results of medicalThe practice of a philosophy of the revolving door of medical care. Time is money, and how many patients as possible in a single day (see the report in the vicinity of few hundreds), physicians and patients in shuffle in less than 10 minutes. With all the evidence, "FREE, comprehensive examinations and tests, which are also reported, in which doctors can treat the time, all these patients? Perhaps this is another reason, the national organization, has chosen the soft tissues -- is self-limiting and spontaneouslySolution!

National organizations of provider fraud (practice owners) a heavy toll. These organizations draw large numbers of doctors are educated and trained, that the wealth that promoted consciously and deliberately, in the systems expensive and systematic fraud by the organizations will be represented. These are criminals who happen to be doctors! They have contempt for society, the state abuse, and our trust to steal. Have littleRegard for the welfare of patients. They have the courage of its insurers outright fraud and costly to stop. Make significant use of the judicial system to ensure success / compliance. Forcing consumers to bear the costs of fraud.

They believe police officers have little or no interest for their crimes. The end, they think they are untouchable. A fatal mistake! Honest doctors are teaching the finer points of fighting fraud, healthcare fraud. Insurers, regulators and law enforcementare developing a more sophisticated attacks. The political climate is such that two aspects are crucial, "health" and "crime" is getting great attention and concentration at the highest levels of government. Crimes like these are committed by medical staff through a coordinated anti-fraud team of the country attacked.

"The eyes see only what is known of the spirit" brought a quote to my attention some years ago by the physician to stop these crimes committedActivities, and it is appropriate here. If you know what happens to criminals who make the doctors - you can see how to stop them!

Published: John Cooke Fraud Report, "January / February 1997

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With the growing popularity, it is possible, taking into account such as a cruise vacation. Cruises provide affordable and exciting adventures, and also offer a high level of comfort. Just as we prepare for your trip, do not neglect the largest purchase different cards themselves, the insurance cruise.

With a cruise, there insurance will be covered when you enter one of these unfortunate events:

- Lost Tickets
- Lost Luggage
- Medical Emergencies
- Need cash advance

These are just some of the events covered by insurance cruise. If any of these situations exist, not panic. Your insurance will reimburse you for losses and minimize inconvenience.

And to help you through the difficult issues, travel insurance for cruises, so that makes the trip more enjoyable. Need help in finding restaurants, entertainment, transportation or land?> Insurance for Cruises offers a variety of options for travel planning assistance to facilitate your vacation.

Perhaps your cruise is business is, or you need to check with the office while traveling. The Business Assistant feature that your insurance plan will help you cruise the Internet can access and local printing and shipping are added. It can also help coordinate meetings and conference calls.

Although offers cruisesgreat value, which are certainly not cheap, you should avoid if they can be canceled. But in case you can cancel the cruise cancellation insurance helps up to 75% of the initial cost. You can choose which type of policy best fits your situation - Cancel Reason for work, or cancel for any reason, missed connections, travel delay, or interruption of the trip.

Worried about identity theft, and how difficult it can be to deal with,Problem, while on the high seas? Found with travel insurance for cruises, you can work directly with local law enforcement officials, to ensure your credit card companies and banks the right precautions are taken when a credit card or identity card is stolen or lost.

Do not think that planning a cruise begins and ends with the purchase of airline tickets, cruise tickets, and packaging supplies to the right. The main suppliers of all is the assurance cruises. It can mean the difference between largeunanticipated expenses and a vacation without stress.

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There are tons of vendors want to convince you that if you travel abroad, you need international travel medical insurance. Is this really so or is this just a ploy to sell insurance? If you travel without health insurance international travel is simply stupid.

The problem is that so many people on vacation have already invested so much in their travel expenses, which in the directionEnd of his capture, a bit 'greedy and not wanting, with each part more money. At the end of the list is that the cost of travel insurance, which is too often ignored.

There are people on both sides of the fence - some say you're wasting your money on international travel health insurance, while others say, do not leave home without it. This is done for each game moving even know what the right answer.

IfThis is a canceled flight, personal items, disappeared, lost luggage, a small medical problem or a serious medical problem outside of their country the right to international travel insurance can hold and cool as a cucumber for further debt.

Before you decide one way or another, there are some things you should consider. It's your first time in a lifetime vacation? Perhaps a wise idea at all of your base and have nothing to worry aboutabout to lose that opportunity of a lifetime. Maybe pay a little extra investment in the cancellation of flights, medical insurance, lost luggage, and something could happen if your journey.

If you are sure for a long stay abroad, travel insurance covers major medical procedures. You might be surprised to discover how weak the part of your medical travel insurance is so sure that you ask. A bit 'ofPlans, only the cost of the doctor or hospital is not the time or drugs. Others only in a certain area and if you decide on a whim, in another area, the stay can not be covered.

There are all kinds of plans and all types of businesses are waiting to sell all types of travel insurance. It could also be insurance for acts of terrorism, if you want. There are many components that can be incorporated into travel insurance.Life there are no doctors, random, trip cancellation, baggage loss, dental and more. Experts recommend that you thoroughly research a travel insurance plan and make sure they are fully aware of the details of the report to buy before. This includes deductibles, waiting periods and a number of other details. Always read the fine print.

Offers comprehensive and very likely to cover a bit 'all the main aspects of the trip including basic trip cancellation, baggageLoss and a general practitioner and / or dental plan, but look again and make sure they are fully covered.

So to answer the question - "Do You Need International Travel Health Insurance? We say - international travel health insurance should be as important as your cards to your destination. Shop online and save a bundle more here compare prices really easy. So what are you waiting for?

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Travelers now have many advantages over those who have left years ago. Accommodations travel effects are more luxurious than those of our ancestors to be treated while traveling abroad. Be treated in addition to greater convenience and timely transport of visitors from foreign countries even fewer doctors and health problems of our time. In this context, it is important to emphasize that the need for visitors medical insurance when traveling to the United States.Most health insurance does not want to be with you that most of the passengers, without adequate protection in a foreign country. To ensure that they are in a precarious situation, if you can afford the minimum, you should know that the scenarios are covered, and those not before buying your visitors insurance.

What does visitors insurance?

Visitor insurance is designed to provide medicalwhile traveling abroad. For this reason, the coverage is most likely different from the regular health insurance in the country of origin. Here are some things that are normally covered by insurance companies as participants.

An illness or disease, which, after the directive enters into force.


Accidents or injuries that occur after the policy is in force.


The return of remains (this includes transportation of your remainsDeath).


Emergency department visits.

What is not covered by insurance visitors?

Since it is important to know what is covered, each traveler would do well to understand what is not covered, while I am traveling abroad. Similarly, the various policy areas is different, so you should check your individual policy to see whether these exclusions.

Pre-existing conditions are not normally covered by the visitors. If you have ahealth problem, linked to a condition that you had before you buy insurance for the visitor, will be the treatment can not be met.


Routine medical care is often excluded. Health screenings, vaccinations and tests are considered routine care.


Prenatal care or the birth of a child. Travelers are pregnant there is no routine prenatal care or the cost of childbirth, which in its political report.


Dental or vision coverage is excluded from most policies.

ItIt is important to remember that although most visitors are insurance companies, rather, they differ in some way. This makes it extremely important for any type of insurance plan carefully before they undertake to review the purchase. Travelers visiting the United States should be the fact that the most health conscious in this country is very expensive. While many people believe that insurance is not convenient to visitors because of the nature of the coverage is, without doubt,Useful if you need medical care that is covered.

To the best policy available, consider your current health status and what they encountered during the trip. It 'always better to be insured versus insured under more, especially if you travel away from home. Health insurance visitor is a valuable resource that should be used to avoid some of the exorbitant costs of health care in a foreign country.

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For many people in Britain, annual leave is the highlight of the year. If it comes to taking a week's break on the beach in the Canary Islands or in two weeks to go skiing in Japan, the holiday months of careful planning and preparation. But if you suffer from a fear of flying or the thought of traveling the world only raises your stress through the roof, it is possible that the long trip could turn into an expensive nightmare. How exactly is to know the dangers ofStress of the journey?

In essence, much of the stress caused by travel, make simple concerns, such as missing your flight or forget important documents such as passports or travel checks. This is easy to conquer, if positive measures. Make sure you arrive at the airport and are needed before check-in, if you call a taxi before arrival of equipment normally or previously with the train. This way you can ensure that there is no way youlate, although the trains are deleted or there is traffic on the motorway.

In addition, make sure to obtain travel documents before leaving and keep it in a safe place where you will be able to keep track of - for example, a neck pouch or a bag worn over the body, but as a bag could be by chance, or stolen. Once at the airport, to keep them: Take a fascinating book to walk around duty-free shop or have your sayworking with a book of crosswords or sudoku puzzles. You will find that this will help keep the mind of all concerns are related to travel.

Many experts stress also suggest changing your diet easily one days before leaving, and while in flight. The day before the flies, avoid foods high in fats, and not try too much tea, coffee or alcohol to drink - after all, there's nothing worse than being suspended, if you have more than fifty feet inAir!

The choice of travel insurance can also help you feel full just for your holiday, both during flight and during the trip. For example, if you are afraid that the baggage has been lost, or a flight delay you may lose the connection after the safety net of travel insurance ensures that you are well covered, if these events occur.

Most travel-stress, but mayjust rest and made to be broken. Make sure you head above water while traveling, and if the side effects, they just solved one step at a time to think. As a result, you will find that you get from your vacation begins much more relaxed - a trend that may continue only during the holidays.

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Car insurance is something that is not dispensed with, unless you drive. This is a legal requirement that one can not escape. Most people, in fact, more than the basic level of insurance required to have. They want to know that they do not lose everything if something goes wrong.

Internet banking offers this option.

You can click on banking websites and click on the tab of the Internet for information of insurance. You can also register online.As you enter personal information, you must register with the first carrier.

Then will your name, address, and other important information. You will be asked questions about your car make, model, condition, etc. You will then be delivered to the driving record, the information of your car and your area. Internet banking allows you to do it from the comfort of your home.

Another product offered by travelInsurance. Many international internet banking companies offer them. They provide coverage for medical expenses when you are out in your country of origin. You do not have to pay the cancellation charges if you have this coverage. There are issues, such as lost luggage and theft of travel documents.

Many banks are available to life insurance. You can pay for life insurance term with a simple automatic deduction from your account if you so wish.You must fill out an online form about yourself

It 'also the basic demographic data about you, such as age, race and place of residence. Then there are personal questions about your health. All this will be used to determine if the Internet banking service set for your rate. You will get back to you shortly with an offer of a certain speed and politics.

Some internet banking companies go so far as to offer health insurance.Health insurance is usually a bit expensive to buy individual policies. The company has created with this insurance for a competitive price. However, they do not expect to be cheap. This is simply the product of nature.

Bonding insurance is rarely offered, but some insurance for bank customers. This is insurance for liability of persons who are in a position of trust money or valuables are others.For example, should be wrapped blacksmith. Some Internet-banking operations such insurance.

CEO banks on the Internet are constantly looking for ways to offer their services more attractive to consumers. If you offer a variety of insurance options to help customers to their site, so this is what they will.

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When a hockey player or coach goes overseas for a game in another country, have given serious consideration to obtain adequate medical insurance before their trip. Athletes from all sports are exposed to many dangers when traveling outside their country of origin, however, hockey players tend to be more vulnerable than most because of the approximate nature of the sport they play. Drop an unexpected illness or accident is not covered by medical servicessufficiently covered by existing insurance because of territorial limitations or high excesses. Depending on where you are driving, serious illness or injury can require that they be evacuated to hospital, or in the air in another country where medical services are better. Eliminate air tends to be very expensive and can easily be over $ 25,000. Although hockey players and coaches can do a lot of money in their area of insurance improper conduct of a massive financialLoad.

There are several types of insurance that all coaches and hockey players in particular must be before he met on the street and decides to travel outside of their country. They include medical, emergency dental treatment, emergency evacuation, emergency reunion, and repatriation of remains and of course lost checked baggage. Hospital doctors and hospitalization should ambulatory surgery, anesthesiology include doctor's fee, medications, diagnostic procedures,Oxygen, drugs and emergency local ambulance.

Emergency dental is one of those things that every hockey player, no matter what you see so many hockey players loose teeth in fights and driving on the ice should have. It should replace emergency dental treatment and emergency dental surgery, if necessary, or restore teeth. In case of emergency is something that has also been highly recommended for ice hockey players and coaches, as in the case of the host countries contribute toDisorders or in case of accident. In case of accident, may be cause for emergency or air transport to the nearest hospital.

Emergency reunion is in an accident, so it can be flown by members of the injured person to be with them while they are in hospital. It usually consists of a return ticket for the economy, in which the injured party has received treatment.

The repatriation of remains in case of the event thatHockey player or coach dies as a result of their injuries or illnesses, so that his body returned to their country of origin. Another fun thing to have all the hockey player and coach, looked lost luggage insurance. This is important because all the athletes who carry their equipment with them or at least a possibility to replace them, if not necessary. In the case of lost luggage, the insurance will pay to replace the luggage or at least theleasing of equipment, so that the game even more. The airlines have similar policies, but it often takes a day or two, or the funds are insufficient data. If you fly in a new country to play a game that night, you have no time to wait for the airline to have a little 'money to replace your contributions.

If you are a coach or player, is always a good idea to be prepared and have adequate insurance Hockey before leaving the country. You never know when youcan save lives.

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