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...the company premises; Adopt a nursing home, and support it with employee v... Donate excess inventory to local schools, churches, etc. Offer employe...

...handling other emergencies. As a practical matter, the intercom is a two-way m...

... Health insurers. Typical complaints include: Necessary medications and treatments aren't covered. Student dependents, living at colleges hundreds of miles away, are covered for emergency care but not for routine care. Members must endure long waits for referral authorization to see specialists. Physicians' nurses are kept on hold for excessive time periods waiting for precertification approvals. And the list, it seems, goes on forever. The most complicated and difficult areas to assess when selecting a Health carrier for a valued client are: who's covered, what's covered, ... Contrary to many consumers' assumptions, the definition of who's eligible and when varies according to the carrier. For example, most insurers cover a dependent child up to age 19, or to age 23 if the child is enrolled full-time in an accredited institution or trade school. Some carriers require that a child under 19 who isn't a student live at home for coverage to remain in force. Others will continue to cover dependents under age 19 regardless of their residence. All plans will usually cover the newborn of the subscriber or the ... spouse, but not the newborn of a dependent. To effect coverage, the subscriber must enroll the newborn within 31 days of birth and pay the applicable premium, if any, from the date of birth. Some plans will automatically enroll the newborn (they use the precertification for the baby and delivery to trigger this) if the subscriber is already paying for family coverage; other carriers won't. The schedule of benefits, limitations, and exclusions should also be closely reviewed. The benefits section may state that medically necessary care and ...

...rs, and local education agencies (schools); and to private sector employers wh...