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Bill Shakespeare's classic wedding comedy is about the nuptials of the Duke of Athens and the (former) Queen of the Amazons, and has absolutely nothing to do with this month’s 'Review (I just liked the wordplay for the title).

Fortunately for our readers, we do have some amazing posts to share with you, so consider this your Playbill:

■ Roy Poses looks at CVS's recent "own goal" regarding donations to "a Sketchy Non-Profit."

Including exec's who (allegedly) made some pretty nasty remarks.

■ HWR newcomer Vincent Grippi offers us this interesting podcast with HWR veteran David Williams, discussing (prescription) drug pricing issues and challenges here in the US.

■ Fellow insurance blogger - and another longtime HWR favorite - Louise Norris explores the brave (not so) new world of Association Health Plans (AHPs), and what role (if any) they may play in reining in health insurance costs. As usual, Louise makes otherwise dry material quite interesting.

■ And speaking of our friend David Williams, his own submission is this fascinating post on whether or not the proposed merger between Partners HealthCare and Harvard Pilgrim Health Care is actually ready for prime time.

Will they or won't they? Time will tell.

■ Workers' Comp Insider's Tom Lynch has this take on GOP efforts to (finally?) take out ObamaCare, and what it means if their current efforts are successful. But the best part is his touchstone question: What happens if they "win?"

■ 'Review co-founder (and all-around nice guy) Joe Paduda offers a round-up of his own, including a report on Purdue Pharma's opioid issues and Medicaid's on-going problems with work requirements.

■ Friend Tinker Ready has news about the proposed CVS/Aetna merger, and the CVS plan to offer more than just urgent care services [ed: let's hope the plan is shorter than their typical receipt!]

■ Over at xpostfactoid, Andrew Sprung offers an "elastic idea" for Democrats looking to expand Medicare, from a buy-in option for near-seniors all the way to "Sanders' Big Rock Candy Mountain." Sweet.

■ And finally, our own entry, in which we offer a disturbing glimpse at the true, grisly human costs of nationalized health "care:" dismembered babies.

On a brighter note, please join us next month at Peggy's Place (on July 12th).

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Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america

Regular readers know that we're big fans of HSA's, primarily because they encourage more efficient use of healthcare-related dollars. After all, when one has skin in the game, one tends to be more careful about the use of resources.

One unfortunate canard, though, is that they discourage folks from spending their hard-earned savings on necessary care.

Well, thanks to the Association of American Physicians and Surgeons, we learn that this has (again) been debunked:

"Study: High-deductible Plans May Impede Preventive Care ... unless tied to HSA. "[W]e found reduction in the number of primary care visits among individuals with deductibles, particularly higher deductibles, except for those with health savings accounts."

The research, reported by the American Academy of Family Physicians, found that high deductible plans did, in fact, seem to undermine folks' use of primary and preventive care. The silver lining, though, is that those who couple those plans with Health Savings Accounts were more likely to seek out that care.

One can only imagine the (positive) effect that would redound to this were DPC subscriptions made HSA-eligible.

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* Once again, our friends at Cornerstone prove that they're not just great to work with, they're also great to work for:

"For the fourth consecutive year, Cornerstone has been awarded a 2018 Top Workplaces honor by The Cincinnati Enquirer."

In fact, they're ranked at number seven on the 2018 list, up five spots last year.

* Driverless vehicles have been much in the news of late. They promise to offer convenience and (perhaps) increased safety, but they also pose a challenge for the folks who insure them. The folks at Cincinnati Insurance provide some insight on this poser:


Charting the Future of Driverless Cars: Are You Ready? from The Cincinnati Insurance Company on Vimeo.

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Not to be outdone by the Brits, our friends (way) south of the border are bringing back the oldies:

Polio has been reported in Venezuela, where the disease had been eradicated decades ago, according to the Pan-American Health Organization https://t.co/O1RWWVMbHA pic.twitter.com/mnnDc0xW6U

— AFP news agency (@AFP) June 10, 2018

[Hat tip: Mujahed]

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Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america

As our population ages, Long Term care insurance has become more and more popular as a cost-effective way to preserve one's hard-earned nest egg. After all, the cost of a nursing facility stayt (or even at home care runs into the thousands of dollars a motnh, and can quickly eat up one's savings.

The challenge,of course, is that as we age we tend not to get healthier, and the odds of having such a claim increase each year. Which begs the question: how is this affecting carriers' bottom lines?

Well, we have one answer here, thanks to co-blogger Bob:

"Unum Falls as Long-Term Care Loss Ratio May Prompt Reserve Charge"

Um, Henry, what does this even mean?

Quite simply, their actual loss ratio was almost 10% higher than last year's (loss ratios are metrics of how much is paid out versus premiums paid). That's not exactly a prescription for long term financial stability. A big part of the problem is that those on claim for cognitive impairment (eg Alzheimer's and the like) are living longer, which is nice (kind of) for them, but a direct impact on the insurer's bottom line.

Which may mean another round of rate increases.

Or not:

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Recently FoIB tsrblke alerted us to this story:

"A fire destroyed The Southerner food truck at a charity concert Friday ... My truck caught on fire and is a complete loss"

Thank goodness the truck was insured, but as tsrblke notes, one wonders if the owners had thought to purchase business interruption coverage "to cover lost revenue."

Good question. But what,exactly, is business interruption (BI) coverage?

So glad you asked:

Briefly, when a business must temporarily close its doors due to damage to or destruction of business property, Business Interruption insurance coverage pays for business income lost while the property is rebuilt. This coverage is intended to help keep the company in business while recovery is underway.

But wait, there's more!

When Hurricane Harvey hit Houston, not just homes were damaged or destroyed. Many businesses had to close, at least temporarily, until power was restored, building repaired or replaced, and inventory re-stocked. Even just a few days of downtime can translate to thousands, perhaps millions of lost sales. Business Interruption coverage, generally available as part of a broader commercial policy, can help mitigate the loss.

*What's covered?
As the name implies, Business Interruption insurance reimburses losses when a covered peril forces a business to temporarily close its doors. For example, a major storm causes a power outage, and Joe's Grocery Emporium can't stay open for business. Joe is left wondering how to pay his employees and vendors, not to mention the rent and electric bills.

Business Interruption coverage is designed to help pay all of these items, for a limited time, to enable the business to re-open. The coverage is included in a BOP (Business Owner's Policy) but separate when written with a package plan.

■What triggers a claim?
Typically, there are three types of events that would result in a Business Interruption claim. First, physical damage to the business severe enough that it must temporarily close its doors.

Second, covered damage to another property which then results in preventing employees or customers from accessing the business itself.

And third, if the government closes off an area because of property damage caused by a covered risk (such as a fire or tornado).

■How does the coverage work?
First, the business owner must purchase the appropriate commercial insurance policy, which may include Business Interruption coverage or make the coverage available as a rider. Once a covered event occurs, the coverage generally requires a waiting period, often several days. Once the waiting period is satisfied, the plan will begin to pay for covered losses. The coverage is not infinite, however: typically expenses are paid for a maximum of a year. Of course, the business owner will have to provide the insurer with proof of his or her losses.

■What are the limitations?
Losses due to an unfavorable business environment aren't covered. The business owner's salary also isn't covered. It’s important to note that the policy is only going to cover actual losses sustained, and won’t pay more than the policy limits.

Now you know.

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From our friends at Global Underwriters:

"In just a few short weeks in June and July, the 2018 FIFA World Cup is being hosted by Russia and the matches are scheduled to take place in various cities throughout the country. The excitement surrounding the every 4 year World Cup tradition, isn’t the only thing peaking interest globally. The world is closely watching as the heightened diplomatic tensions and geopolitical developments unfold in the coming weeks.

We’re starting to see more requests for International Travel Medical and Kidnap & Ransom coverage for travel to Russia. Now is the time to consider purchasing this valuable coverage, so you can have peace of mind and valuable protection while enjoying the games!"

Global Underwriters are our go-to folks for clients traveling from, and to, the US. If you're planning a trip to the World Cup, or even just a European summer getaway, be sure to check out the various options available, all at very affordable rates.

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