The November 23rd, 2008 Show
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Topics
Osteoradionecrosis
(ORN) is bone that has died as a complication of radiation therapy.
Oxygen delivered at hyperbaric pressures has been shown to produce new blood vessels in the irradiated area and stimulate wound healing.
This results in a long-term improvement in the quality of the tissue.
Insurance In The News
'Pregnant man' and wife:
We're a normal couplea married man who used to be a woman, is pregnant with a baby girl
Should health insurance cover this?Insurance Outrage of The Week
With The Economy and Financial Giants Failing, What Happens to Conseco’s 144k Long-term Care Policyholders?
Seniors with LTC policies administered by Conseco, are going to be put into an irrevocable trust that may cost them dearly.
They haven’t even been notified.
Special Guest:
Lori Klauber
Term of The Week
ALTERNATIVE DISPUTE RESOLUTION / ADR
An alternative to going to court to settle disputes. Methods include arbitration, where disputing parties agree to be bound to the decision of an independent third party, and mediation, where a third party tries to arrange a settlement between the two sides.
Resource: insurance Information Institute
Larry's Tip of The Week
General sources of insurance information include the American Council of Life Insurers, the Insurance Information Institute, the National Association of Insurance Commissioners, and your state insurance department.
When buying insurance:
Find out whether your state insurance department offers any information concerning insurance companies and rates. This is a good way to get a feeling for the range of prices and the lowest-cost providers in your area.
Check several sources for the best deal. Try getting quotes from a website such as www.insweb.com, but be aware that many online services may provide prices for just a few companies. An independent insurance agent that works with several insurers in your local area might be able to get you a better deal.
Check the financial stability and soundness of the insurance company. Ratings from A.M. Best, Standard & Poor's, Moody's Investors Services , and Weiss Ratings, Inc. are available online and at most public libraries.
Research the complaint record of the company. Contact your state insurance department or visit the website of the National Association of Insurance Commissioners), which has a database of complaints filed with state regulators.
Find out what others think about the company's customer service. Consumers can rate homeowner insurance companies at www.jdpower.com/homes/insuranceratings.
Once you pay your first insurance premium, make sure you receive a written policy. This tells you the agent forwarded your premium to the insurance company. If you don't receive a policy within 60 days, contact your agent and the insurance company.
If you suspect fraud, call the National Insurance Crime Bureau's hotline at 1-800-835-6422. Or for more information, check out the Coalition Against Insurance Fraud website.
General sources of insurance information include the American Council of Life Insurers, the Insurance Information Institute, the National Association of Insurance Commissioners, and your state insurance department.