Health-e-Insurance was created by small business entrepreneurs and insurance professionals who saw a need for a straight forward and direct site for individuals like themselves to quickly find relevant, comprehensive and affordable solutions to their health care needs. The current situation of calling an agent who only knows one product or crawling through web sites that overload you with various unrelated insurance products is too exacerbating for the busy professional. We only connect you with professionals who can assist you in your specific situation with your specific needs.
WE PROTECT YOUWe connect you to top insurance professionals to advise you.
If you're busy like us, you don't have time to learn everything there is to know about health insurance. Just like you rely on your attorney to advise you about contracts or your real estate agent to locate the perfect property for you, use your insurance professional to find and explain that perfect policy which balances benefits with premiums.
We connect you with current news and relevant information about health insurance products.
If you need to learn a term, find out about the most recent legislation, or educate yourself to the best way to select health insurance products, you have come to the right place. We carefully select reliable and relevant information for you to be the best educated consumer. Spend some time learning what the pro's already know.
Learning CenterNEWS Is it going to impact you?
Read up on relevant news articles and find out! Original articles, links to important news, and view videos about what is going on in the health insurance world. From proposed legislation to new emerging insurance companies, all the way to cutting edge insurance plans designed to give you better coverage and save you money.read moreHOW TO BUY Learn what you need to know!
If you are not a seasoned veteran at selecting and buying health insurance, set aside some time to sit back, relax and learn all you need to know about making a successful selection.read moreDEFINITIONS Don't understand that word? Look it up here!
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How to Buy Health Insurance
You know you need health insurance, but most of us would rather get a shot at the Doctor's office than spend a few minutes on the phone with an insurance Agent. Contemplating the expense of health coverage can be a dizzying experience. Well relax because we are here for you. There are more resources than ever to not only inform you but help you to effectively shop for the best value in health insurance coverage.
Health-e-Insurance can help you learn how the Internet has made researching and buying health insurance easier and more convenient for consumers, and how to receive and choose the best health insurance quote from competing insurance companies.
Whether you're young or older, single or married, everyone needs to shop for health insurance at some point in their life. Being an informed shopper will empower you to find the right health insurance company and policy that fits your needs and budget.
" Cheap health insurance quotes for small business and individuals. "
Shopping for Health Insurance
It often comes as a rude awakening to look for insurance on your own, especially if you've been spoiled by years of coverage through your employer. If you work for yourself, retire before medicare kicks in, or don't have health insurance through your job, finding individual coverage that you can afford is as much a function of the state in which you live as it is the state of your health.
Some states have forbidden insurance companies from rejecting people based on the condition of their health. Others elected to go with a "community rating" system, which requires insurers to charge everyone the same rates, regardless of health. These laws are well intended but have often backfired, forcing some healthy people to pay more in insurance premiums than the monthly mortgage on a small house. And if you're in poor health, it's even tougher to find an affordable policy. But never fear, we have recruited agents who represent not only the major Insurance provider's, but also those who cater to your unique situation and thus can often times provide better value.
Spreading the risk
Insurance usually works because companies can spread their risk over a wide range of people. The healthy ones end up paying more in premiums than they submit in claims, and the difference helps to subsidize sicker people with more expensive claims. Healthy clients accept the situation because they usually pay lower premiums than higher-risk clients -- and they never know when they might become sick themselves.
But when insurance companies can't reject anyone or adjust rates based on risk, they end up charging everyone more. In 1993 Maine passed a guaranteed-issue law. Rates shot up dramatically because insurers could no longer price according to risk. The rising prices lead to healthy people to take their chances and drop their coverage, while sick people stayed on. To compensate, insurers then had to raise rates even higher. As the risk pools got worse, many companies decided it wasn't profitable to do business in the state and pulled out.
In New Jersey, everyone has to pay the same rate for similar coverage, whether you're a 24-year-old fitness instructor or a 60-year-old who has had quadruple-bypass surgery. That means everyone is able to buy insurance -- but hardly anyone can afford it.
A Health Insurance Shoppers Buyer's Guide
With state policies varying dramatically, there's no one size fits all to finding affordable health coverage on your own. If you happen to live in Maine, Kentucky or Washington State, you'll have few choices of any kind. In rural areas, you can't always save money with an HMO because there aren't enough people to make it economical. Association plans, which sometimes offer good deals, are unavailable in several states. And your state may limit your options for raising deductibles or cutting back on coverage to lower the price.
But you have to start somewhere, so follow these steps.
Use a Health-e-Insurance partnering agent who knows your market. Professional Insurance Agents not only will help you shop for price, they'll also know if a company has a reputation for raising premiums or hassling policyholders who file claims.
Check out prices on the Web. Health-e-Insurance can give you immediate quotes from several companies.
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state. The insurance department may provide shopping tips for your state, as well as insurance-company complaint records.
Consider taking advantage of federal COBRA legislation if you have left a company that provided group coverage. If your previous employer has 20 or more employees, the company is required by law to let you continue your group coverage for up to 18 months. Some states have similar laws for smaller employers. You generally foot the entire bill yourself, plus up to 2% in administrative charges, which can increase your costs considerably.
COBRA coverage tends to be a good deal if you're in poor health or in a market with few choices, or you want to stick with your current doctors. But because group plans often have more bells and whistles than you'd buy yourself, you might find a better deal by shopping on your own.
Join an association that has group coverage. Association plans tend to be more attractive in states such as Texas and New York that don't have many options for individuals. In states where there's more competition, they can end up being magnets for sick people, with spiraling prices.
If all else fails and you don't want to go without coverage, you may have to bite the bullet and get a job that offers health insurance as an employee benefit. For those of us small business owners... I don't think so!
Accident-only policies - Policies that pay only in cases arising from an accident or injury.
Agent - A person who represents an insurance company to solicit or sell the company´s insurance products. An agent may represent a single company or multiple companies. An agent must be licensed by the Department of Insurance in their state to legally sell insurance in that state.
Capitation - A system where an HMO pays a doctor or hospital a flat monthly fee for the care of each health plan member whether or not any services are delivered.
Carrier - A company or HMO that provides health care coverage.
Certificates of coverage - Printed material showing members of a group health benefit plan the benefits provided by the group master policy.
Closed practice - A primary care physician who is not accepting new patients. Note: Even if your physician is on the HMO or PPO list, call to see if the practice is still open for accepting new HMO or PPO participants.
Coinsurance - The percentage of each health care bill you must pay out of your own pocket, including any non-covered charges and deductibles. Usually does not apply to HMO coverage.
Coinsurance maximum - The most you will have to pay in coinsurance during a policy period (usually a year) before your health plan begins paying 100 percent of the cost of your covered health services. The coinsurance maximum generally does not apply to copayments or other expenses you might be required to pay.
Consumer Choice plans - Health care plans offered by carriers that do not include all of the state-mandated benefits. Consumer choice plans must provide members with a disclosure statement and a list describing the mandated benefits that are not covered.
Coordination of benefits - A group plan provision that stipulates the primary carrier when you have more than one health plan. This ensures that payments made by the carriers do no exceed the cost of the services provided.
Copayment - The amount you must pay out of your own pocket when you receive medical care or a prescription drug. Copayments usually refer to set fees that HMOs charge to access health care services, but they also may apply to a PPO insurance contract.
Deductible - The amount you must pay out of your own pocket before the insurance company or HMO begins to pay its portion of claims. You usually must meet a deductible each year. If you have a family plan that covers your spouse or dependents, you may have one deductible for the entire family, or you may have to meet a separate deductible for each family member.
Disability benefits - Insurance company coverage that pays for lost wages when you are unable to work because of an illness or injury.
Dread disease policies - Policies that pay only if you contract the illness specified in the policy. (Also called specified disease policies.)
Eligible employee - An employee who meets the eligibility requirements for coverage in a group plan. To be eligible to join a group plan, you usually must work full-time for at least 30 hours a week. Some group plans may require employees to be a certain pay grade or job classification to be eligible for coverage.
Emergency care - Health care services provided in a hospital emergency facility or comparable facility to evaluate and stabilize sudden and severe medical conditions.
ERISA plan - Health plans created under the Employee Retirement and Income Security Act (ERISA) of 1974. These plans are self-funded, which means that claims are paid strictly from employer contributions and employee premiums. ERISA plans are administered by the U.S. Department of Labor. (Also known as a self-funded plan.)
Evidence of insurability - Proof that you are in good health. Some insurers require you to provide information about your medical history and health status to determine whether they will insure you or whether they will exclude certain coverages.
Exclusions or limitations - Provisions that exclude or limit coverage of certain named diseases, medical conditions, or services, as well as some sicknesses or accidents that occur under specified circumstances.
Fee for service - A health plan that allows you to go to any physician or provider you choose, but requires that you pay for the services yourself and file claims for reimbursement. (Also known as an indemnity plan.)
Gatekeeper - The physician selected by HMO members to serve as their personal doctor and provide all basic medical treatments and any referrals to medical specialists. Gatekeepers are prohibited in PPOs and other indemnity health plans. (Also known as a primary care physician.)
Grievance procedure - The required appeal process an HMO provides for you to protest a decision regarding medical necessity or claim payment. Insurance companies also may have grievance procedures.
Guaranteed renewable - Policies that may not be non-renewed or canceled, except in certain cases. An insurer may cancel a guaranteed renewable policy for failure to pay premiums, fraud, or intentional material misrepresentation. It also may cancel your policy if the company formally leaves the individual or group health market.
Health benefit plan - In most cases, health care services provided to employees by an employer. It can be an indemnity plan or an HMO plan.
Health care reimbursement accounts - Although not an insurance benefit, these accounts allow you to set aside pre-tax dollars to pay for medical care or medical costs not covered by your regular health benefit plan.
Health maintenance organization (HMO) - A managed care system that provides services to members through a network of physicians, hospitals, and other health care providers. HMOs eliminate the need to file claims in most cases by allowing members to "prepay" through monthly premiums and copayments made as services are delivered.
Hospital confinement policies - Policies that pay a fixed amount each day you are in the hospital.
Hospital-surgical policies - Insurance policies that cover hospital and surgical services.
Indemnity plan - A health plan that allows you to go to any physician or provider you choose, but requires that you pay for the services yourself and file claims for reimbursement. (Also known as fee-for-service.)
Independent Review Organization (IRO) - If your health insurer or HMO declines to pay for health care you believe is medically necessary or appropriate, you may request that it contact TDI and request that an independent group (IRO) review the decision. An IRO review is not required for self-funded ERISA plans. Unless your condition is life-threatening, you must complete the standard appeal process before requesting an IRO review. IROs are not affiliated with your health plan. The health plan must pay for treatment the IRO determines is necessary.
Inpatient medical care - Medical and surgical care usually received in a hospital or skilled nursing home environment.
Lifetime maximum - The total dollar amount a health care plan will pay over a policyholder´s lifetime.
Long-term care benefits - Coverage that provides help for people when they are unable to care for themselves because of prolonged illness or disability. Benefits are triggered by specific findings of "cognitive impairment" or inability to perform certain actions known as "Activities of Daily Living." Benefits can range from help with daily activities while recuperating at home to skilled nursing care provided in a nursing home.
Major medical policies - Health care policies that usually cover both hospital stays and physicians´ services in and out of the hospital.
Managed health care - A system that organizes physicians, hospitals, and other health care providers into networks with the goal of lowering costs while still providing appropriate medical services. Many managed care systems focus on preventive care and case management to avoid treating more costly illnesses.
Mandated benefits - Health care benefits that state or federal law says must be included in health care plans.
Mandated offerings - Health care benefits that must be offered to the employer or organization sponsoring a group policy. The sponsor is not required to include the benefits in its group plan.
Maximum out-of-pocket expense - The maximum amount someone covered under a health care plan must pay during a certain period for expenses covered by the plan. Until the maximum is reached, the person covered is required to pay a copayment or a percentage on each claim.
Medically necessary care - Health care that results from illness or injury or is otherwise authorized by the health care plan. This term can be defined differently from one health care plan to another.
Multiple employer plans - Benefit plans that serve employees of more than one employer and are set up under terms of a collective bargaining agreement.
Multiple Employer Welfare Arrangements (MEWAs) - In general, employee association plans (not set up under a collective bargaining agreement) that provide benefits to employees of more than one employer. If the MEWA assumes all or part of the plan´s insurance risk, it must be licensed by TDI.
Network - All physicians, specialists, hospitals, and other providers who have agreed to provide medical care to HMO members under terms of the contract with the HMO. Insurance contracts with preferred provider benefits also use networks.
Non-network providers - Health care providers and treatment facilities not under contract with the HMO or those that do not have an insurance PPO contract.
Out-of-area - The area outside the counties or ZIP codes in which an HMO provides regular and preventive coverage.
Out-of-network services - Health care services from providers not in an HMO´s or a PPO´s network. Except in certain situations, HMOs will only pay for care received from within its network. If you´re in a PPO plan, you will have to pay more to receive services outside the PPO´s network.
Out-of-pocket maximum - The most you will have to pay during a policy period (usually a year) before you no longer have to pay your share of coinsurance for covered health services. Once you've reached your out-of-pocket maximum, your health plan generally pays 100 percent of your health care costs, up to your policy's coverage limit. You are still responsible for paying your premium. Depending on your plan, you also may have to continue paying copayments and some other expenses.
Outpatient services - Services usually provided in clinics, physician or provider offices, hospital-based outpatient departments, home health services, ambulatory surgical centers, hospices, and kidney dialysis centers.
Point-of-service (POS) plans - POS plans allow an HMO to contract with an insurance company to give enrollees the option of receiving services outside the HMO´s network. In Texas, HMOs must contract with an insurance company to offer POS plans.
Precertification - A requirement that the health care plan must approve, in advance, certain medical procedures. Precertification means the procedure is approved as medically necessary, not approved for payment.
Pre-existing condition - A medical problem or illness you had before applying for health care coverage.
Preferred provider organization (PPO) - A type of plan in which physicians, hospitals, and other providers agree to discount rates for an insurance company. These providers are part of the PPO´s network. Insurance contracts with PPO provisions reimburse at a higher percentage if you use providers in the network. If you go to providers outside the PPO´s network, you will have to pay more for your care.
Premium - A set fee to participate in a health care plan. If you have health coverage through your work, your premium will likely be deducted from your paycheck.
Preventive care - Health care services such as routine physical examinations and immunizations that are intended to prevent illnesses before they occur.
Primary care physician - The physician selected by HMO members to serve as their personal doctor and provide all basic medical treatments and any referrals to medical specialists. Primary care physicians are prohibited in PPOs and other indemnity health plans. (Also known as a gatekeeper.)
Provider - A hospital, pharmacist, registered nurse, organization, institution, or person licensed to provide health care services in Texas. A physician also may be referred to as a provider. The term provider is often used collectively to refer to individual or facilities who provide health services.
Provider network - All the doctors, specialists, hospitals, and other providers who agree to provide medical care to HMO or PPO members under terms of a contract with the HMO or insurance company.
Self-funded plans - Plans funded strictly from employer contributions and employee premiums. These plans are authorized by the federal Employee Retirement and Income Security Act (ERISA) of 1974 and are regulated by the U.S. Department of Labor. State regulation of these plans is limited. Although an insurance company may be hired to administer the plan, the insurance company assumes no risk. (Also known as ERISA plans.)
Service area - The counties, or portions of counties, where an HMO or PPO provides coverage.
Skilled nursing care - Care needed after a serious illness. It is available 24 hours a day from skilled medical personnel such as registered nurses or professional therapists. A doctor orders skilled nursing care as part of a treatment plan.
Specified disease policies - Policies that pay only if you contract the illness specified in the policy. (Also called dread disease policies.)
Specified medical limitations - A dollar limit placed on treatment of certain medical conditions or types of treatment.
Texas Health Insurance Pool - The Health Pool provides health insurance to Texans unable to obtain coverage because of their medical history or for certain other reasons.
Third-party administrator (TPA) - TPAs administer employee benefit plans under contract with insurance companies, HMOs, and self-funded plans. They are regulated by TDI.
Underwriting - The process insurance companies use to examine, accept, reject, and classify the risks associated with an applicant for coverage.
Usual and customary charges - Typical amounts charged by providers for everything from a doctor´s office visit to heart surgery. Health benefit plans commonly will not pay full benefits if the fees billed by a physician or provider are higher than those charged by other physicians and providers in your area. "Usual and customary" charges may be based on (1) typical fees charged by physicians and providers in your area; (2) typical fees compiled by independent rating services; or (3) typical fees compiled by the insurance company/third-party administrator (TPA).
Utilization review - The review process aimed at helping HMOs and insurance companies reduce health care costs by avoiding unnecessary care. The review includes evaluating requests for medical treatment and determining, on a case-by-case basis, whether that treatment is necessary.
Family and Individual insurance
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Aggregation and De-Personalization
We may take your personally identifiable information and make it non-personally identifiable, either by combining it with information about other individuals (aggregating your information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-personalizing your information). We may use and/or disclose to third parties such aggregate or de-personalized information in any manner and without notice or compensation to you.
Requests for Quotes and Services from Requested Service Providers
Certain portions of this Site may allow you to request a quote, services or information from one or more third parties, such as insurance providers ("Requested Service Providers"). If you provide your personally identifiable information on the Site and request a quote, services or information from Requested Service Providers (e.g., by clicking "Submit" or "get your quotes") (a "Request"), we may share, loan, rent or sell your personally identifiable information to our affiliates, Requested Service Providers that we match with your Request, your current provider, or to other third parties that may match you with a Requested Service Provider. In addition, the Requested Service Providers and such third may further disclose, share and use any personally identifiable information provided by you in connection with your Request. If you make a Request, you expressly consent to such disclosure and use of your personally identifiable information. If you do not want your personally identifiable information shared as described above, then you should not submit a Request.
IF YOU SUBMIT A REQUEST, REQUESTED SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA TELEPHONE, FAX, AND EMAIL. YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
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Special Notification for California Residents – Your California Privacy Rights
SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS - YOUR CALIFORNIA PRIVACY RIGHTS
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at firstname.lastname@example.org or in writing at:
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Last updated: June 9th, 2012
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You Acknowledge and Agree that Health-e-Insurance is Not a Service Provider. Health-e-Insurance is not a financial institution, insurance provider or other Service Provider. Instead, Health-e-Insurance, through the Site, may help to connect you with Service Providers that might meet your needs based on information provided by you. Health-e-Insurance does not, and will not, make any coverage or credit decision with any Service Provider referred to you. Health-e-Insurance does not issue mortgages, credit cards, insurance coverage or any other financial products.
No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services. Health-e-Insurance does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or not offered or made available by Service Providers. Health-e-Insurance does not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available or are available at all.
You Do Not Pay Fees to Health-e-Insurance. Unless you are a Service Provider or order a specific service through the Site, Health-e-Insurance does not charge you a fee to use the Site. Service Providers may pay Health-e-Insurance fees for services and to be matched with users of the Site, however. Health-e-Insurance is not involved with and is not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release Health-e-Insurance of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services, including any fees charged by a Service Provider.
Requests for Quotes or Offers. The Site may give you the opportunity to request to be matched with and receive quotes or offers from Service Providers (a "Match Request"). Portions of the Site providing this opportunity (the "Match Request Areas") are only available to residents of the United States, and may not be available in all states.
Health-e-Insurance and its affiliates make no guarantee that you will be matched with a Service Provider if you submit a Match Request.
If you make a Match Request, then you expressly authorize Service Providers to contact you by telephone, including your home or cell phone, fax and email at the numbers and addresses provided in your Match Request, for purposes of providing you with the quotes, products and services indicated in your Match Request. You consent to receive telephone calls from Service Providers, even if the phone number that you provided on your Match Request is on any "Do Not Call" list. You also consent to Health-e-Insurance and the Service Providers making recorded calls to remind you of deadlines or other issues in connection with your Match Request.
You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by a Service Provider.
Fees and Payments
Access and use of the Site is free. At any time, Health-e-Insurance may choose to charge fees for various premium features and services, and Health-e-Insurance will notify you of those charges at the time that Health-e-Insurance offers features and services for a fee. Health-e-Insurance may, in its sole discretion, and by notifying you on the Site, change this policy and begin charging for access to the Site and other features and services, and Health-e-Insurance may, in its sole discretion, add, remove or change the features and services Health-e-Insurance offers or the fees (including the amount and type of fees) Health-e-Insurance charges at any time. If Health-e-Insurance introduces a new service or charges a new fee, Health-e-Insurance will establish and notify you of the fees for that service at the launch of the service or start of charging a new fee. If Health-e-Insurance notifies you of new fees or changes the fees for an existing service, then you agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.
The Site may act as a venue, through its blogs, messaging, chat rooms, bulletin boards and other forums (collectively, the "Forums"), allowing the users of the Site to contribute information and make statements ("User Generated Content"). Health-e-Insurance is not involved in the actual transmission of User Generated Content provided for in the Forums. As a result, Health-e-Insurance does not approve or endorse any User Generated Content in the Forums, and you hereby acknowledge and agree that Health-e-Insurance has no control over the quality, correctness, timeliness, safety, truth, accuracy or legality of any User Generated Content provided by you or any other person or entity in the Forums. You may find User Generated Content posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive. Please use caution and common sense, and do not rely solely on User Generated Content published in the Forums. Without limiting the generality of the foregoing, and although Health-e-Insurance does not regularly review User Generated Content provided for in the Forums, Health-e-Insurance reserves the right, but not the obligation, to remove or edit any User Generated Content in the Forums.
Immediately report problems with the Forums to Health-e-Insurance at firstname.lastname@example.org.
Transmissions, Submissions and Postings to the Site
If you transmit, submit or post information to the Site that is not Federally trademarked and/or copyrighted, you automatically grant Health-e-Insurance and its affiliates and assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). Provided that you have obtained prior written permission from Health-e-Insurance to transmit, submit or post information to the Site that is Federally trademarked and/or copyrighted, you automatically grant Health-e-Insurance and its assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.
You shall not transmit, submit or post the following to the Site:
Information that infringes Health-e-Insurance's or any third party's copyright, patent, trademark, trade secret or other proprietary rights;
Information that violates any law, statute, ordinance or regulation;
Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to Health-e-Insurance or third parties or that infringes on Health-e-Insurance's or any third party's rights of publicity or privacy;
Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
Information containing or constituting chain letters, mass mailings, political campaigning, or any form of "spam";
Information that is false, inaccurate or misleading;
Commercial advertisements or solicitations without written permission from Health-e-Insurance; or
Federally Trademarked and/or Copyrighted information without written permission from Health-e-Insurance.
You are solely responsible for all your transmissions, submissions or postings (i.e., your own User Generated Content) and the consequences of transmitting, submitting or posting them.
Health-e-Insurance's Intellectual Property Rights
Health-e-Insurance's names, graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Health-e-Insurance in the United States and/or other countries (collectively, the "Proprietary Marks"). You may not use the Proprietary Marks without the prior express written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion. Health-e-Insurance makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners.
The information, advice, data, software and content viewable on, contained in, or downloadable from the Site (collectively, the "Content"), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, Health-e-Insurance or its Content suppliers. Health-e-Insurance also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the "Collective Work"). All software used on the Site (the "Software") is the property of Health-e-Insurance or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software.
You shall be solely responsible for any damage resulting from your infringement of Health-e-Insurance's or any third party's intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by Health-e-Insurance or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.
Your Use of the Content
Health-e-Insurance grants you a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity.
Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion.
You may not use any meta tags or any other "hidden text" utilizing Health-e-Insurance's name or trademarks without the express written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion.
Access and Interference
The Site contains robot exclusion headers. You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without Health-e-Insurance's express written permission which may be withheld in Health-e-Insurance's sole discretion. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in Health-e-Insurance's sole discretion an unreasonable or disproportionately large load on Health-e-Insurance's infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from the Site without the prior written permission of Health-e-Insurance and the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iv) bypass Health-e-Insurance's robot exclusion headers or other measures Health-e-Insurance may use to prevent or restrict access to the Site. Notwithstanding the foregoing, Health-e-Insurance grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose and solely to the extent necessary for creating publicly available search indices of the materials on the Site, but not caches or archives of such materials. Health-e-Insurance reserves the right to revoke these exceptions either generally or in specific cases. You shall not collect or harvest any personally identifiable information, including account names, from the Site. You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of the Site without Health-e-Insurance's express, written permission, which permission may be withheld in Health-e-Insurance's sole discretion.
When you visit the Site or send email to Health-e-Insurance, you are communicating with Health-e-Insurance electronically. You consent to receive communications from Health-e-Insurance electronically. Although Health-e-Insurance may choose to communicate with you by regular mail, Health-e-Insurance may also choose to communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that Health-e-Insurance provides to you electronically satisfy any legal requirement that such communications be in writing.
Your Responsibility for Equipment and Related Costs
You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of the Site.
Third Party Links
There may be provided on the Site links to other Web sites belonging to Health-e-Insurance's advertisers, business partners, affiliates, Service Providers and other third parties. Such links do not constitute an endorsement by Health-e-Insurance of those Web sites, nor the products or services listed on those Web sites. Health-e-Insurance is not responsible for the activities or policies of those Web sites. Health-e-Insurance does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. Health-e-Insurance does not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Service Provider or other third party on the Site are the best terms or lowest rates available in the market or even available for you to obtain.
If Health-e-Insurance provides aspects of the Site via an application for your mobile or other device, please be aware that your carrier's normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such mobile application.
It is Health-e-Insurance's policy to comply with the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws. Health-e-Insurance shall in appropriate circumstances disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of Health-e-Insurance and/or others.
Notifications (each a "Notification") of claimed copyright infringement should be sent via email to Health-e-Insurance's designated agent. Health-e-Insurance's designated agent contact information is set forth below:
Address of designated agent to Which Notification Should be Sent:
Email address of designated agent: contact.form at health-e-insurance dot com
Pursuant to Title 17, United States Code, Section 512(c)(3), to be effective, the Notification must include the following:
Health-e-Insurance will remove or disable access to the material that is alleged to be infringing;
Health-e-Insurance will forward the Notification to the alleged infringer ("Subscriber"); and
Health-e-Insurance will take reasonable steps to promptly notify the Subscriber that Health-e-Insurance has removed or disabled access to the material.
Pursuant to Title 17, United States Code, Section 512(g)(3), a Subscriber may counter a Notification by providing a written communication ("Counter Notification") to Health-e-Insurance 's designated agent that includes substantially the following:
A physical or electronic signature of the Subscriber;
Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
The Subscriber's name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber's address is outside of the United States, for any judicial district in which Health-e-Insurance may be found, and that the Subscriber will accept service of process from the person who provided the Counter Notification or an agent of such person
Upon receipt of a Counter Notification containing the information as outlined in 1 through 4 above, and pursuant to Title 17, United States Code, Section 512:
Health-e-Insurance will promptly provide the Complaining Party with a copy of the Counter Notification;
Health-e-Insurance will inform the Complaining Party that Health-e-Insurance will replace the removed material or cease disabling access to the removed material within ten (10) business days; and
Health-e-Insurance will replace the removed material or cease disabling access to the removed material not less than ten (10), nor more than fourteen (14) business days following receipt of the Counter Notification, provided Health-e-Insurance's designated agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain the Subscriber from engaging in infringing activity relating to the removed material on Health-e-Insurance's network or system.
Health-e-Insurance Makes No Representations or Warranties Regarding the Content
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. HEALTH-E-INSURANCE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK.
HEALTH-E-INSURANCE DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. HEALTH-E-INSURANCE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. HEALTH-E-INSURANCE DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH THE SITE.
WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT HEALTH-E-INSURANCE IS NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT HEALTH-E-INSURANCE IS SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, HEALTH-E-INSURANCE EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS.
The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, Health-e-Insurance recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.
The Site is controlled and offered by Health-e-Insurance from Health-e-Insurance's facilities in the United States of America. Health-e-Insurance makes no representations that the Site is appropriate or available for use in other jurisdictions. If you access or use the Site from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.
Limitations on Health-e-Insurance's Liability
HEALTH-E-INSURANCE SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT; (II) YOUR ACCESS AND USE OF THE SITE; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE THE SITE FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; (V) YOUR RELIANCE UPON OR USE OF THE CONTENT OR THE COLLECTIVE WORK, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF HEALTH-E-INSURANCE AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. HEALTH-E-INSURANCE'S LIABILITY AND THE LIABILITY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100.
YOU SPECIFICALLY ACKNOWLEDGE THAT HEALTH-E-INSURANCE SHALL NOT BE LIABLE FOR USER GENERATED CONTENT OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM SUCH USER GENERATED CONTENT AND THIRD-PARTY CONDUCT RESTS ENTIRELY WITH YOU.
YOU AND HEALTH-E-INSURANCE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.
Your Indemnification of Health-e-Insurance
You shall defend, indemnify and hold harmless Health-e-Insurance and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by Health-e-Insurance; (iii) your access or use of the Site; (iv) access or use of the Site under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); and/or (vi) any personal injury or property damage caused by you.
Amendments of this Agreement
Health-e-Insurance reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon Health-e-Insurance posting the updated Agreement on the Site. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.
You acknowledge that Health-e-Insurance may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, Health-e-Insurance shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement. For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Sacramento County, California, or the United States District Court, Northern District of California. You consent to the jurisdiction of such court and waive any objection to the laying of venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.
Governing Law; Arbitration
You agree that: (i) the Site shall be deemed solely based in the State of California; and (ii) the Site shall be deemed a passive Web site that does not give rise to personal jurisdiction over Health-e-Insurance, its affiliates and assigns, either specific or general, in jurisdictions other than the State of California.
This Agreement is to be governed by and construed in accordance with the internal laws of the State of California, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Agreement, except for an injunctive action regarding a breach or threatened breach of any provision of this Agreement by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Sacramento County, California.THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING THE SITE YOU CONSENT TO THESE RESTRICTIONS.
You and Health-e-Insurance shall select the arbitrator, and if you and Health-e-Insurance are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Health-e-Insurance and your and Health-e-Insurance's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Health-e-Insurance be entitled to punitive, special, indirect or consequential damages and both you and Health-e-Insurance hereby waive your and Health-e-Insurance's respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Health-e-Insurance, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Sacramento County, California.
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.
The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.
All covenants, agreements, representations and warranties made in this Agreement, as may be amended by Health-e-Insurance from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.
If you have questions, comments, concerns or feedback regarding this Agreement or the Site, please contact Health-e-Insurance via any of the methods set forth below:
China faces 'serious' epidemic of drug-resistant TB25 December, 2012
"In 2007, one third of the patients with new cases of tuberculosis and one half of the patients with previously treated tuberculosis had drug-resistant disease," said the study in the New England Journal of Medicine.
Even more, the prevalence of multi-drug resistant (MDR) TB in new cases (5.7 percent) was nearly twice the global average, said the study.
Using World Health Organization figures as a basis for comparison, "China has the highest annual number of cases of MDR tuberculosis in the world -- a quarter of the cases worldwide," it added.
"China has a serious epidemic of drug-resistant tuberculosis."
The data came from a survey of more than 4,600 Chinese people who were recently diagnosed or treated for TB.
Patients for the study were treated at local TB clinics, not hospitals, and the survey was conducted by the National Tuberculosis Reference Laboratory (NTRL) of the Chinese Centers for Disease Control.
According to an accompanying editorial by Johns Hopkins University infectious disease specialist Richard Chaisson, the growth of drug-resistant TB presents an "enormous challenge."
Even more concerning was the finding that most of the 110,000 drug-resistant cases were in people newly diagnosed with the disease, suggesting that the virulent bacteria are being transmitted from person to person and not developing solely as a result of a person prematurely stopping treatment.
"MDR tuberculosis is linked to inadequate treatment in both the public health system and the hospital system, especially tuberculosis hospitals; however, primary transmission accounts for most cases," said the study.
Chaisson said the findings highlight the need for faster testing, and for new cases of TB to be tested for signs of drug resistance, not just recurrent forms.
In China, over one million new tuberculosis infections occur each year -- a large chunk of the estimated nine million new cases worldwide annually.
Known formally as Mycobacterium tuberculosis, TB spreads through the air when infected people cough up bacteria. TB kills about 1.5 million people worldwide each year.
Often it can be cured with antibiotics, though drug availability is limited in the developing world and sometimes patients do not follow the entire regimen of treatment, which can encourage the development of resistant strains.
The study was funded by the Chinese Ministry of Health.Back