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The best Insurance 2018 CAQH stands for Council of Affordable Quality Healthcare. This non-profit coalition was formed by insurance companies to create a single, uniform application for credentialing providers. More than 100 managed care companies use CAQH to process applications. Most major insurance companies verify your self-reported data through a CAQH. Thats good news because if youare applying to more than one panel, you all only need to fill out your CAQH application once. While setting up your CAQH, you can grant authorizations to any insurance company that your i'd like to view your information. The CAQH application is pretty lengthy and laborious. You all fill out between 20 to 50 pages (50 pages for Medicare). While you are able to print off and complete your application via paper, it's best to do it online. Submitting online is faster, and more reliable (there is no paperwork to lose). Don't forget to keep a copy of all of your documents. Also make note of who you spoke to and when you submitted your paperwork. Following Up is Important Don't let your application fall into purgatory. Follow up on your application with the insurance company's provider relations department. Insurance companies rarely, if ever, follow up on applications remember it's you who wants to get listed, not necessarily the other way around. It's your responsibility to make sure that they've received your application and are processing it. If it's not processed in time, your application may expire or time out, and you all have to go through the entire grueling process all over again. Follow up after you've submitted the application and then call every few of weeks until you've been accepted (or rejected). Keep in mind that some companies require that you wait for 45 days before contacting them. The entire process can take between two to four months. If you have to appeal, it can take up to six months or longer. So, if you are hoping to get credentialed before opening up your private practice, plan ahead. Should You Hire a Credentialing Company? There are benefits to hiring someone else to do the paperwork and follow up, but of course, it's not a free service. You all have to decide for yourself whether it's worth a few hundred dollars per credentialing to avoid filling out the lengthy applications required. Another option is to ask for a therapist to mentor you through the process. Ask someone who is on a panel that you are applying for. Maybe they can provide you with helpful pointers. Improving Your Practice's Finances Are you ready to take control of your financial future? Do you feel like your private practice is not running as efficiently as it should be? Are you looking for ways to diversify your income? Confused about the different financial tasks that go into building a successful private practice? If you answered yes to any of these questions then you are in luck because you've come to the right place. The Financial Improvement section on TheraNest's blog is your go to place for financial advice, resources, and overall betterment. We've curated content that is going to help create a thriving private practice so that you can reach your financial goals. For therapists financial improvement comes in many different forms. A large part of it is running a successful and growing private practice. However, financial improvement for therapists also involves what they do outside of their private practice. This includes figuring out ways to diversify your income or finding someone to mentor you through your career. Here at TheraNest we know how important all different forms of financial improvement are and that's why we make sure to cover all of these different aspects in our blog. From outlining ways you can check your private practice's financial health to providing tips and tricks to save yourself from self-employment taxes, we're bringing you the information you need to succeed. The blog posts in our Financial Improvement section strive to ensure that you are making informed decisions regarding the financial health of your private practice. We want you to be confident in the decisions that you make. This confidence comes from having a solid understanding of what all your choices are and how each choice will impact you financially, both as a business and as an individual. So get ready to take ahold of your financial future and check out our blog posts below. Summing it Up Now you know under which circumstances your claim could get rejected. Make sure you leave no room from your end so that you claim gets processed seamlessly. 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30+ life insurance companies. All in one place.

Kamis, 15 November 2018 Add Comment Edit




  • What is life insurance?

Life insurance provides a payout after your death to the people you designate as beneficiaries. It’s an important safety net if anyone depends on you financially. The life insurance payout can pay debts such as a mortgage, replace your income and provide college tuition funds.

  • Who needs life insurance?

NerdWallet recommends life insurance for anyone who has loved ones who depend on them financially. This includes working or stay-at-home parents, homeowners who have a mortgage, business owners and others.

A Guide to Who Needs Life Insurance

Term life is the the best option in many cases, but permanent life insurance might be the right choice in certain scenarios.
Life insurance can fill a wide variety of needs, including covering the finite years of a mortgage and protecting the interests of a special-needs child who will need financial support after you’re gone.
In fact, although, 70% of Americans consider life insurance a necessity for themselves, 41% have no life insurance at all, according to 2017 statistics from the industry groups Life Happens and LIMRA.
Here’s a guide to who needs life insurance and what kind of policy likely works best in each situation. You can get life insurance quotes online to compare prices.

  • What’s the difference between whole and term life insurance?

Term insurance covers you for a set amount of time and is sufficient for most people. Among the various types of life insurance available, term life insurance quotes are the most affordable. Whole life insurance pays out no matter when you die, and builds cash value that you can access. 

The Differences Between Term and Whole Life Insurance

Term life insurance is easier to understand and costs much less than whole life insurance, but it has an end date.


Baca Juga

Buying life insurance now provides a financial safety net for your dependents later if you’re not around to take care of them. After you’re gone, your family can use the proceeds to cover funeral costs, mortgage payments, college tuition and other expenses.
There are two main types of life insurance:
Term life insurance is the easiest to understand and has the lowest prices. You can get term life insurance quotes online.
Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance. Other kinds of permanent life insurance include universal, variable and variable universal.

Term life insurance explained

Term life insurance provides coverage for a certain time period. It’s often called “pure life insurance” because it’s designed only to protect your dependents in case you die prematurely. If you have a term policy and die within the term, your beneficiaries receive the payout. The policy has no other value.
You choose the term when you buy the policy. Common terms are 10, 20 or 30 years. With most policies, the payout, called the death benefit, and the cost, or premium, stay the same throughout the term.
When you shop for term life:
  • Choose a term that coincides with the years you’ll be paying the bills and want life insurance coverage in case you die early.
  • Buy an amount your family would need if you were no longer there to provide for them. The payout could replace your income and help your family pay for services you perform now, such as child care.
Ideally, your family’s need for life insurance will end around the time the term expires: Your kids will be on their own, you’ll have paid off your house, and you’ll have plenty of money in savings to serve as a financial safety net.
All of the best life insurance companies sell term life, so it’s easy to find rates.
» COMPARE: NerdWallet’s life insurance comparison tool
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Whole life insurance explained

Like all permanent life insurance policies, whole life provides lifelong coverage and includes an investment component known as the policy’s cash value. The cash value grows slowly, tax-deferred, meaning you won’t pay taxes on its gains while they’re accumulating.
You can borrow money against the account or surrender the policy for the cash. But if you don’t repay policy loans with interest, you’ll reduce your death benefit, and if you surrender the policy, you’ll no longer have coverage.
Like all permanent life insurance policies, whole life provides lifelong coverage and includes an investment component.
Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:
  • The premium remains the same for as long as you live
  • The death benefit is guaranteed
  • The cash value account grows at a guaranteed rate
Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed.

  • How are life insurance quotes calculated?

Life insurance companies use life expectancy as the basis for determining rates. Anything that could shorten your life expectancy will typically lead to a higher price. Your age, gender, health conditions and family’s health history are all taken into consideration. More: Average life insurance rates

  • Can I get life insurance if I have a medical condition?

Don’t let a health condition stop you from getting life insurance quotes. 80% of people overestimate the cost of term life insurance. Life insurance is widely available to people with medical conditions. More: Life insurance with a medical condition

  • What information is required when applying for term life insurance?

You’re typically asked about your current and past health conditions, and your family health history. The insurer may ask for your consent to get your medical records and may ask you to take a life insurance medical exam. Insurers will also check other data sources to determine term life insurance quotes. More: What you need to apply for term life insurance

  • If you are covered under a group life insurance policy through your employer, do you still need a personal policy?

It is generally a good idea to have your own life insurance policy outside the coverage provided by your employer. The policy through your employer is likely not enough and typically ends if you leave the job. More: Group life insurance through work

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