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Day: July 5, 2016

Managed Care HMOs

Do not know what HMO stands for? Health maintenance organizations are managed care programs.

In terms of affordable health insurance, health maintenance organizations (HMO), which are managed care programs, assist people to stay in good health. At least that is the idea behind them.

Put another way, the philosophy of HMO insurance plans is that if a person stays healthy and maintains that health, they will prevent disease. The care provided by the HMO will help people stay well. Staying well means rising health care costs will be controlled.

When insurance plans like HMOs were first launched on the market, people who opted to buy affordable health insurance paid a fixed monthly premium that was prepaid. What those people got in exchange for affordable health insurance was access to health care offered by a certain network of providers that included clinics, hospitals and other medical care providers. This meant that despite people were getting affordable health insurance, they were restricted to using "only" the procedures, benefits and doctors, etc. That belonged to the network.

HMOs were initially implemented by the government in 1973 to get rid of individual insurance plans and offer affordable insurance to everyone who wanted it. When they first came out, companies were buying individual health plans for workers.

Over time it looked like the better deal would be to get businesses to buy subsidized low cost health plans for employees and not expensive individual ones. Seeing a great opportunity, insurance companies started pressuring doctors to join HMOs. Fact is, doctors were told if they did not join, the insurance companies would see to it that they'd take their patients away with cheaper health care through the HMO. The threat worked and many joined the HMO plan to save their practices.

The more things change, the more they do not always change for the better. What happened with HMOs is that every time a doctor renewed with them, the rules were changed and got stricter and stricter, mandated that they see more patients and get more services pre-approved. HMOs used to be the cat's pajamas, but by the end of the 1980s and with a stack of unpaid and denied claims, people began to leave HMOs in droves.

The interesting thing here is that denied claims were denied because of bad investments the insurance companies made, not because of the claims themselves. The insurance companies invested in real estate, and when the boom went bust they could not cover HMO claims. Unfortunately over time it became an almost "ritual" for HMOs to deny claims. So much so, that today it seems to be a part of the way they do business.

Thankfully, a new breed of attorneys has begun chasing HMOs for those denied claims; Claims that include medical malpractice (med mal), bad faith and even wrongful death. In a nutshell, this boils down to the HMO may be sued if an individual dies due to the HMO denying cover for necessary medical treatment; For denouncing valid …

Why Men and Women Avoid Personal Training With the Opposite Sex

All fitness centers are a place for many types of gym goers, this does not include bodybuilding gyms and women’s only fitness centers. All fitness centers provide personal training. There has always been some separation with male and female personal trainers. The big question here is why males and females avoid personal training with the opposite sex?

From a female personal trainer perspective, I see this male and female personal trainer avoidance quite often. First, most personal trainers are willing to work with anyone and everyone. Some may prefer older adults, men, women, children, or just athletes. In my own personal experience some older women tend to avoid male personal trainers because they feel as though they are only into body building which reduces the chances of training with a male trainer. Some women think male trainers are the “Arrogant” type. A good majority of women only want to train with female trainers because they are uncomfortable with training with men. Most women are seeking trainers that are understanding and knowledgeable. Some look for trainers that specialize in certain aspect of training such as weight-loss, corrective exercise, strength training, and do not have a preference in male or female.

The other day I encountered a gym goer while training some clients. Lets call her “Connie.” She spoke with some of my clients both male and female. She asked them about my ability as a personal trainer as well as my personality. My clients then discussed my training methods and personality. When I walked over and introduced myself she said she has been looking for a personal trainer for a while now and that I seemed like the type of trainer she wanted to work with. Of course I had to ask her why. Hearing some frustration in her voice stated she felt intimidated by the male Personal Trainers that she has seen in this particular fitness center. She needed to be trained by someone more “like her”, meaning a female personal trainer.

On very rare occasions men have come to me seeking advice on reaching goals. Granted I am always willing to assist anyone with any questions fitness related whether they are male, female, young, and old. I have had men deliberately avoid me like the plague at the gym even though they have seen me training for several months. Do the letters on the back of my uniform not state “Personal Trainer”? Am I intimidating? Do you think my years of experience and knowledge are inadequate? Am I not strong enough to spot you? “Do you think you will offend me while speaking to me?”

A few years ago while at the gym with my husband. I was spotting him on his last set on the bench press. There was a guy on the chest press clearly needing some assistance. He waited until my husband was finished and walked right past me without a word and asked my husband for a spot. I was disappointed. I may not be …

The Kyani Compensation Plan Explained – How To Make Money With Kyani

The Kyani Compensation Explained

Kyani is a health and wellness company that sells products including its flagship healthy blueberry beverage, through the network marketing business model. If you are a Kyani Distributor, or you are thinking of becoming one, then it is vital that you familiarize yourself with the compensation plan before you start, since this is how you will make money with the company.

How To Make Money With The Plan

Kyani offers a monthly residual-pay compensation plan which, it says, doesn’t punish you for developing strong leaders and also allows you to use volume from your strong leg. It calls its system the Kyani PayGate Accumulator, and it pays up to 44{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of monthly sales volume through 12 PayGates, with no restrictions on depth.

Distributors can earn commissions by buying the product at wholesale price and then selling it at retail price. There is also a Recruiting Bonus, where a bonus is paid out when you sponsor someone new into the business.

On top of this, Distributors can earn a portion of every residual PayGate check in their own organization, up to 9 generations deep, as well as receiving a one-off bonus every time they reach a new rank, and also by qualifying for incentives like the Car Program and the Trip Program.

What They Don’t Tell You About The Kyani Plan

The plan has the potential to be quite lucrative, but like all compensation plans, your success or failure will depend on how many products you can sell and many talented people you can sponsor into the business.

Most people will try and sell just to friends, family or neighbors, but this strategy is unlikely to make you much money in the Kyani compensation plan. You need to be generating hundreds of top-quality free leads every single week, and adding 2-3 people into your business every single DAY, and trying to do this just by selling to your friends and family is almost impossible.

Instead you need to learn the art and science of target marketing using the internet. This strategy, if learned right, will allow you to set yourself up online as an expert, and people will know and trust your name. Hundreds of people every week will contact YOU, asking you about how Kyani can help them, and desperate to join you in your business.

So the truth about the Kyani comp plan is that it can be lucrative, but only if you know the tricks behind making the most of it.

To find out more about how internet marketing could explode your business, see Kyani Success Online…