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Patient-Centered Medical Home (PCMH) Program Shows Promising Quality Trends and Continued Savings on Expected Costs

July 30, 2014 in General

Costs Lower than Expected for 3rd Consecutive Year; Key Quality Indicators Show Positive Care Trends for 1.1 Million Members Covered by PCMH Program

The DPC Consumer Guide -- Now Available for office/clinic use and and an educational/marketing resource for your patients.

The DPC Consumer Guide — Now Available for office/clinic use and and an educational/marketing resource for your patients.

BALTIMORE, July 10, 2014 /PRNewswire-USNewswire/ — After three years, CareFirst’s large-scale, region-wide Patient-Centered Medical Home Program (PCMH) is continuing to lower the rising costs of care for CareFirst members covered by the program.  In addition, emerging data suggests that CareFirst members under the care of participating PCMH physicians fare well when measured on key quality indicators.  These trends are encouraging as CareFirst’s PCMH Program now matures and is well into its fourth year of operation.

BRAC Microfinance Director Shameran Abed on Client Protection, Balancing Credit and Savings, and the Evolving Financial Inclusion Landscape

July 14, 2014 in General

> Posted by Eric Zuehlke, Web and Communications Director, CFI

Since launching microfinance activities in 1974, BRAC has grown to become one of the world’s largest financial services providers to the poor. BRAC’s microfinance operations, which include loans and savings, serve more than 5 million clients in eight countries. In 2012, BRAC started a financial education and client protection project that aims to help clients adopt financial behaviors that facilitate their well-being. Shameran Abed, Director of Microfinance for BRAC International, recently spoke with me to discuss BRAC’s work. Prior to joining BRAC, Abed served as an editorial writer at one of Bangladesh’s main English-language daily newspapers where he wrote primarily on politics. He also serves on the Board of Directors of bKash, a mobile financial services platform in Bangladesh.   

Eric: Can you talk about BRAC’s client protection work and what you learned from your project pilots in 2012 and 2013?

Shameran: We wanted to make sure that any clients coming into the BRAC microfinance program could be very well catered to. They should understand what our products are, what our terms are, what our rates are, and they should make an educated decision on whether they want to take our products. And if they do become our members then they should be treated well, treated with respect, and have access to information. I’m not saying that BRAC didn’t have all these things before two or three years ago, but we really wanted to double-down our efforts on these fronts. So that’s why we decided to do more work around client protection, client customer service, and financial education.

Eric: What do you think are the biggest risks facing microfinance clients?

Shameran: From a financial point of view, there are two or three risks that we’re particularly concerned about. One, of course, is something that’s been talked about a lot, the risk of overindebtedness. Bangladesh, although quite a mature microfinance market, is, in terms of overindebtedness, thankfully still quite low. But still I think overindebtedness is something that you always guard against because there is a lot of demand for credit and if microfinance institutions are not careful they can always have issues around overindebtedness of borrowers.

There are a lot of financial institutions nowadays that are kind of fly-by-night institutions that set up shop… Institutions that are typically unregulated. They come in, they offer products, they lure in clients, and then they disappear. I think around these issues the clients need more awareness, and these are some of the things our financial education components try to address.

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College Savings for Overseas Clients

June 17, 2014 in General

college savings for overseas clientsIn today’s competitive environment, a college education for your children is not a luxury, it is a requirement.

For the last ten years, educational costs have been growing at an average rate of 7% per year.

There is no parent today who would want to give their children the opportunity to prepare for a happy and secure future, by enabling them to attend a quality university.

AIB will work with you to give your children the best inheritance you could ever give to your child…the chance to receive a higher education and to begin to build the foundations of a solid future. We can source specialized insurance products that help you save for your children’s education, and even guarantee their tuition in case of parental death.

Pole Buildings Columbia SC Mean Savings And Satisfaction

February 27, 2014 in General

from http://goo.gl/nE5yhh
via http://bit.ly/18k83gb

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Get original story/post can be found at: insurance « WordPress.com Tag Feed
As some links might get broken.

If you want your post to be removed please use our contact form and allow up to 14 days of response, as I am usually traveling a lot.

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General, Organic, and Biological ChemistryGeneral, Organic, and Biological ChemistryGENERAL, ORGANIC, AND BIOLOGICAL CHEMISTRY makes the allied health major's Chemistry classtime more efficient and productive. Clear explanations, enga... Read More >
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Thomas E. Ricks has made a close stud... Read More >

Are your savings insured against an unforeseen illness?

February 15, 2014 in General

We are quickly approaching the March 3rd RRSP deadline and people everywhere are scrambling to scrap together enough money to make a contribution this year, corporations are working to get bonuses paid in time for employees to contribute to their RRSP’s and some, as always, are simply waiting until the last moment.

After a long career in the insurance industry, there is one thing I have always found very puzzling.  People often take planning for retirement, which can be years out into the future, more seriously than planning to protect the key thing that drives one’s ability to contribute to RRSP’s.  You are the machine that drives you’re earning potential yet, unfortunately, it is often the one asset that is grossly unprotected and often the most neglected.

EPF Retirement & Your Savings

December 2, 2013 in General

EPF Savings & Your Retirement

See actual KWSP pdf brochure here

*Note that the Basic Savings quantum on pg 9 of the brochure has been revised UPWARDS effective 1st January 2014

Eg for age 55, the minimum amount will be raised to RM168,000 from current RM120,000 . You may contact me for more info

Rama Krishnan

+6012 – 320 8475

———-
Get original story/post can be found at: insurance « WordPress.com Tag Feed
As some links might get broken.

If you want your post to be removed please use our contact form and allow up to 14 days of response, as I am usually traveling a lot.

Interesting Stuff:

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General, Organic, and Biological ChemistryGeneral, Organic, and Biological ChemistryGENERAL, ORGANIC, AND BIOLOGICAL CHEMISTRY makes the allied health major's Chemistry classtime more efficient and productive. Clear explanations, enga... Read More >
The Generals: American Military Command from World War II to TodayThe Generals: American Military Command from World War II to TodayAn epic history of the decline of American military leadership—from the #1 bestselling author of Fiasco

Thomas E. Ricks has made a close stud... Read More >

Do you have emergency savings?

July 17, 2013 in General

6355318323_4c41d3ef76_m1The general rule of thumb is to have enough savings to cover at least six months of living expenses in case something unfortunate happens, like a serious medical condition or the loss of a job.  How much emergency savings do you have?

According to the Bankrate.com Financial Security Index released in June, only 24% of Americans have that six-month savings cushion.  More than one quarter of all Americans, 27%, have no emergency savings whatsoever.

Whether you have some or none at all, now is a good time to change your habits and build that emergency savings fund.

Ohioans Hit With Obamacare Sticker-Shock … Where’s The $2500 Annual Savings?

June 14, 2013 in General

Obamacare ‘Rate Shock’ Hits Ohio With 88 Percent Insurance Hikes

 

” The Ohio Department of Insurance predicts premiums in 2014 will rise by 88 percent, a direct result of President Obama’s Patient Protection and Affordable Care Act.

The average cost of insurance premiums will stand about $420, “representing an increase of 88 percent” compared to 2013, thedepartment reported, Forbes said.”

 

 

But we thought costs were going to be lower under the Democrat’s wonderful plan , isn’t that what we were told ?

 

 

anyone else doing the Esurance savings dance.?

April 28, 2013 in General

eeee ooooo eeee ooooo uh huh uh huh

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