DECEMBER 23, 2008

Topics

What insurance policies does  Santa Claus need?
In search of the best holiday cookie,  what is your favorite cookie?

WHO?
Lori Klauber

Dr. Albert G. Reach, a retired Drugless Physician, (N.D. D.C.) established our facility in 1998. Dr. Howard Reuben M.D. is our staff physician. Ms. Lori Klauber is our general manager. Then we have Hyperbaric Techs. Everyone is well trained in this specialty. Everyone is here because we love seeing the results that this gentle, safe therapy brings to folks and changes families and lives

WHAT?
We are a non-hospital free-standing center for out-patient care. We have a state of the art, six place, comfortable chamber, where patients can watch TV, read, visit or just lay down. The patient breathes 100% medical grade oxygen through a mask or hood (both of which exhaust outside), while under greater than sea level atmospheric pressure.

WHERE?
We are in beautiful north Phoenix, Arizona, near motels/hotels/suites and not far from RONALD MCDONALD HOUSE.

WHEN?
We are open year round. Appointments are necessary and can be set up by the patient, the caregiver or health care practitioner.

HOW?
Consultations by phone and in person are at no charge. Evaluations are at no charge. Recommendations at that time will be discussed. We use world class clinically proven protocols that are fitted to the needs of the patient.

FEES:
We maintain our original fee of $150.00 per hour, with discounts for advanced payments and commitments when large blocks of treatments are necessary.

QUESTIONS?     Call Lori, we are here to help! 602-996-3348

The Insurance Term of the Week:
Coverage C Personal Property, also known as contents coverage is coverage on things that you own that are not considered a permanent part of your home or apartments structure. These are things like furniture, television, clothes, bikes, jewelry, collections, money, securities, fine art, etc.

In the insurance lingo this is referred to as your homes "contents" and is called "Coverage C Personal Property."

Larry's Tip of the Week:
Many items included in coverage C personal property, have limits for loss based on certain classes of property. Examples of this are jewelry, furs, fine art, collections such as rare coins, money, securities. The limit on these items can be as low as $500.00 to $1,000.00. Also, the standard homeowners policy usually covers items like computer equipment, the software and peripherals to $5,000.00.

Amounts can vary by insurance companies. Generally total over all dollar amounts for all personal property combined can be limited to 50% to 70% of the coverage on the dwelling.

When you consider all of your personal property you may determine that you have items which exceed the limits of the standard homeowners, condominium, mobile home or renters policy. The good new is that it is easy to add endorsements to provide the additional protection needed at very little additional premium.

Consult with your insurance adviser regarding your personal property to determine the appropriate amount of coverage for you.