#Blue Cross Medicare Plans

[totalbenefits]

How income affects your Medicare drug coverage premiums

You could pay a higher monthly premium for Medicare drug coverage (Part D) depending on your income. This includes Part D coverage you get from a Medicare drug plan, a Medicare Advantage Plan with drug coverage, or a Medicare Cost Plan that includes drug coverage. This is true even if your drug coverage is through your employer. Download this bulletin to learn more about extra Medicare drug…

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#healthinsuranceinPA #healthinsurancenearby #HealthInsuranceNearMe #healthinsuranceNJ #Aetna Medicare #affordable care act #Blue Cross Medicare Plans #compliance #health insurance #Healthcare reform #Individual Mandate #medicare #Medicare Advantage #Medicare Donut Hole #Medicare OEP #medicare open enrollment #Medicare Part B #Medicare Part B Premiums #medicare part d #Medicare Part D Coverage Gap #Medicare Prescription Drug #medicare supplements #MSA: Medicare Savings Accounts #Pennie Health Insurance #Short Term Health Insurtnce

[dancing-cockroaches]

I got a prescription for a nebulizer atleast 2+ months ago and I really regret not filling it, everytime my asthma comes around to kick me in the ass I'm like "damn i should really hand in this script" but I cant do that at 8 PM which is the time at which I go out (I hate going out during the day) and the time the thought occurs to me. And at this point I dont even know if the pharmacy would fill it. Or if theyd be like "bitch this script is from June. It is september. Get out". My pharmacy is CVS, they dont even have nebulizers in my area, so I'd have to go to a different pharmacy, and I've been going through CVS for so long I dont even remember how to enroll in a pharmacy. Sometimes it just feels like CVS just knows what insurance I have through magic or some shit, because they've never asked me for my card and I've gotten my medicine from them for pretty much my whole life with 0 issues. I just walk up and they're like "ok here's your adderall that'll be $5" even if it's a different location and I'm pretty sure the process would not be that simple with a completely different pharmacy. I know fuck-all about pharmacy billing despite working in health insurance because of how seamless CVS makes it seem. I moved thousands of miles and these employees didnt even skip a beat, no "oh uh we'll just need to see your insurance card" or "you're in Nevada, but your insurance on file was last updated 2 decades ago and is a NY state insurance so that's weird" nope just "hey, you've never been to this location before, but here's your birth control. It's free by the way".

Do they have to like, contact my insurance? I have NY state insurance, these people are thousands of miles away from NY so they've most likely never seen this insurance. My insurance would cover it, I already know they would, but would the pharmacy fumble it? It's happened - once my claim was submitted to blue cross blue shield of fucking Arizona for some reason. I don't even have BC/BS (you could say technically I do, but I really dont) and I dont live in Arizona. My insurance just confuses the fuck outta people for some reason (ok tbh for good reason, it is kinda funky cuz it's called NYSHIP but is technically UHC but depending on circumstance some of it is BC/BS and some of it is Beacon health, now owned by Anthem, which all sounds very confusing but I swear to fuck it is miles better & less confusing than bitches like Medicare.. fuck Medicare, this is a pro-Medicare slander blog, so I'll shit talk them wherever I can squeeze it in), not like they're combative or deny a lot of things, they'll fuckin approve anything (UNLIKE FUCKING MEDICARE), they're just not common here. It's also literally called Empire Plan/NY State Health Insurance, making them assume it's only a NY insurance despite that not being the case, you can only get it in NY, but it can be used anywhere.

[wilsonaron]

Expert Picks: The Top Health Insurance Companies in USA

Choosing the right health insurance company is crucial for ensuring that you and your family have access to quality healthcare without facing financial strain. With numerous providers in the market, making an informed choice can be challenging. This article delves into expert picks for the top health insurance companies in USA, providing insights into their offerings, strengths, and why they stand out.

UnitedHealthcare

Overview: UnitedHealthcare (UHC) is a prominent name in the health insurance sector, known for its extensive network and comprehensive coverage options.

Strengths:

Wide Network: UHC boasts one of the largest provider networks in the country, ensuring that policyholders have access to a wide range of healthcare professionals and facilities.

Innovative Technology: The company invests heavily in technology to enhance user experience, offering robust online tools and a user-friendly mobile app for managing health benefits.

Diverse Plans: UHC offers a variety of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and high-deductible health plans (HDHP) with Health Savings Accounts (HSAs).

Why It Stands Out: UHC's combination of a vast provider network, innovative technology, and diverse plan offerings make it a top choice for individuals seeking flexibility and convenience.

Anthem

Overview: Anthem, part of the Blue Cross Blue Shield Association, serves millions of members across multiple states, offering a broad range of health insurance products.

Strengths:

Comprehensive Coverage: Anthem provides extensive coverage options, including individual and family plans, employer-sponsored plans, Medicare, and Medicaid.

Preventive Care: The company emphasizes preventive care, offering wellness programs and resources to help members maintain their health.

Customer Service: Anthem is known for its responsive customer service, with numerous resources available to assist members in navigating their healthcare options.

Why It Stands Out: Anthem's emphasis on preventive care and its extensive range of coverage options make it a preferred choice for those looking for comprehensive and supportive health insurance.

Aetna

Overview: Aetna, now a part of CVS Health, has been a major player in the health insurance market for decades, providing a variety of plans tailored to meet diverse needs.

Strengths:

Integration with CVS Health: Aetna's integration with CVS Health offers members unique benefits, such as access to CVS Pharmacy services and MinuteClinics for convenient, low-cost care.

Flexible Plans: Aetna offers a range of plans, including HMOs, PPOs, Exclusive Provider Organizations (EPOs), and POS plans, catering to different preferences and budgets.

Focus on Innovation: Aetna leverages data and technology to improve health outcomes and streamline the user experience, offering tools like the Aetna Health app.

Why It Stands Out: Aetna's integration with CVS Health and its commitment to innovation and flexible plans make it a strong contender for individuals and families seeking comprehensive coverage with added convenience.

Cigna

Overview: Cigna is a global health service company that provides a range of health insurance products and services to individuals and businesses.

Strengths:

Global Reach: Cigna's extensive international presence makes it an excellent choice for expatriates and individuals who travel frequently.

Holistic Health Programs: Cigna offers various wellness and health management programs, including behavioral health services and chronic condition support.

Customer Satisfaction: The company consistently receives high marks for customer satisfaction and service quality.

Why It Stands Out: Cigna's global reach, holistic approach to health, and commitment to customer satisfaction make it an ideal choice for those seeking comprehensive, well-rounded health coverage.

Humana

Overview: Humana is known for its strong focus on senior health, offering a variety of Medicare Advantage plans, along with individual and family health insurance.

Strengths:

Medicare Expertise: Humana is a leader in Medicare Advantage plans, providing a wide range of options tailored to meet the needs of seniors.

Chronic Condition Management: The company offers specialized programs for managing chronic conditions, helping members improve their quality of life.

Community Engagement: Humana actively engages with local communities, offering resources and support to promote healthier lifestyles.

Why It Stands Out: Humana's focus on Medicare and chronic condition management, coupled with its community-oriented approach, makes it a top pick for seniors and individuals with specific health needs.

Conclusion

Selecting the right health insurance provider is a critical decision that impacts your access to healthcare and financial well-being. UnitedHealthcare, Anthem, Aetna, Cigna, and Humana are among the top health insurance companies in USA, each offering unique strengths and benefits. Whether you prioritize a vast network, preventive care, technological innovation, global coverage, or specialized programs, these expert picks provide reliable options to meet diverse healthcare needs. Make sure to assess your individual requirements and compare plans to choose the best health insurance provider for you and your family.

#top health insurance companies in USA #Certified Clinical Medical Assistant #Medical Billing and Coding Services

[distilinfo]

#health #health news #health & fitness

[sanadilwar]

Unveiling Anthem Blue Cross: A Comprehensive Review of the Healthcare Giant

Introduction: Anthem Blue Cross is one anthem blue cross of the leading healthcare insurance providers in the United States, offering a wide range of health insurance plans and services to millions of individuals, families, and businesses. With a strong presence in the industry, Anthem Blue Cross has a reputation for providing quality coverage and innovative healthcare solutions. In this article, we will delve into the various aspects of Anthem Blue Cross, including its history, services, network, and impact on the healthcare landscape.

A Brief History of Anthem Blue Cross: Anthem Blue Cross traces its roots back to the 1940s when it was established as a nonprofit insurance company in Indianapolis, Indiana. Over the years, the organization expanded its reach and merged with several other Blue Cross Blue Shield entities, resulting in the formation of WellPoint Health Networks in 1996. In 2004, WellPoint acquired Anthem, adopting the name Anthem, Inc. The merger created one of the largest health benefits companies in the United States, with Anthem Blue Cross as its flagship subsidiary.

Services and Coverage Options: Anthem Blue Cross offers a comprehensive range of health insurance plans catering to individuals, families, and employers. Their offerings include health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, point-of-service (POS) plans, and high-deductible health plans (HDHPs), among others. These plans provide varying levels of coverage and flexibility to suit diverse healthcare needs and budgets.

Additionally, Anthem Blue Cross offers ancillary services such as dental, vision, and prescription drug coverage, which can be added to the core health insurance plans. The company also provides Medicare Advantage plans, Medicare Supplement plans, and Medicaid coverage, ensuring a broad spectrum of options for different segments of the population.

Provider Network: Anthem Blue Cross boasts an extensive network of healthcare providers, including physicians, hospitals, clinics, and specialists. The size and scope of their network vary across different states, but generally, their PPO plans offer access to a broader network of providers, while HMO plans tend to have a more restricted network. Anthem Blue Cross prioritizes building strong relationships with healthcare professionals and institutions to ensure their members have access to quality care.

Technological Innovations: Anthem Blue Cross recognizes the importance of technology and has embraced digital innovations to enhance the overall healthcare experience. They have developed user-friendly online portals and mobile apps that enable members to manage their accounts, find healthcare providers, review claims, and access valuable health resources. The company has also implemented telehealth services, allowing members to consult with healthcare professionals remotely, thereby improving convenience and accessibility to care.

Community Involvement and Corporate Social Responsibility: Anthem Blue Cross takes pride in its commitment to corporate social responsibility and community involvement. The company actively engages in various philanthropic initiatives, supporting organizations and programs that promote public health, wellness, and access to care. Anthem Blue Cross also encourages its employees to volunteer their time and expertise to make a positive impact on local communities.

Challenges and Controversies: Like any major healthcare entity, Anthem Blue Cross has faced its share of challenges and controversies. The company has been criticized for premium increases, coverage denials, and disputes with healthcare providers. These issues have occasionally drawn negative attention and affected public perception of the company. However, Anthem Blue Cross has taken steps to address these concerns, such as improving communication with members, enhancing transparency in coverage policies, and implementing initiatives to control healthcare costs.

Conclusion: Anthem Blue Cross has established itself as a prominent player in the healthcare insurance industry, offering a wide array of coverage options and services. With a rich history, a robust provider network, and a focus on technological advancements, Anthem Blue Cross strives to meet the diverse needs of its members. While challenges and controversies have arisen, the company continues to evolve and adapt to changing healthcare dynamics. As the healthcare landscape continues to evolve, Anthem Blue Cross remains dedicated to its mission of improving lives and communities through accessible and affordable healthcare solutions.

[bayinsurancefl]

Bay Insurance is an independent Blue Cross and Blue Shield Association licensee. From medical supplement plans to group health insurance, we offer a wide range of insurance options to meet the needs of individuals and businesses alike.

#Medicare Supplement Plans in Sarasota and Tampa #FL

[sandwichmedical]

Patient Services

We are a full service family practice treating all ages and are able to provide many services in our office. Most ancillary services are located within walking distance of our office. We strive to keep current on the latest technology and are pleased to report that we use totally electronic medical records.

Family Medicine-where each patient is the center of their care

Gynecology-routine care such as paps available everyday

Preventative Care-prevention is the best form of care

Employment Physicals

DOT Physicals-interstate physicals are available

Sports Physicals-these are good for one year

Full Laboratory Services

In-office Prothrombin Times

Immunizations-remember to immunize on schedule!!

Minor Surgeries (including laceration repair, skin cancer evaluation)

Uncomplicated Orthopaedics

Fracture Care

Electrocautery

Cryotherapy

Colposcopy

Home Visits-for those unable to leave home

We accept the following insurances: (If you don't see your insurance listed please call the office to check with us)

Aetna

Blue Cross/Blue Shield

Cigna PPO

Fox Valley Medicine (Blue Advantage/HMOI)

Humana

Medicare

PHCS/Multi-Plan

United Healthcare

Fox Valley Medicine (Blue Advantage/HMOI/Blue Precision)

Medicare Replacement Plans

Secure Horizons

Pyramid Life

#patientcare #health #mental health #healthcare #tenth doctor #doctor who

[nicholastorgerson]

Nicholas Torgerson Florida

Dr. Nicholas Torgerson Florida is a hematologist in Minneapolis, Minnesota, and is affiliated with Allina Health Abbott Northwestern Hospital. He received his medical degree from Lake Erie College of Osteopathic Medicine and has been in practice for 6-10 years. Dr. Nicholas Torgerson has expertise in treating chronic leukemia, among other conditions - see all areas of expertise. Dr. Nicholas Torgerson accepts Medicare, Aetna, Blue Cross, and United Healthcare - see other insurance plans accepted.

[meret118]

Timmins, though, discovered that his enrollment in a Premera Blue Cross Medicare Advantage plan would mean a limited network of doctors and the potential need for preapproval, or prior authorization, from the insurer before getting care. The experience, he says, made getting care more difficult, and now he wants to switch back to traditional, government-administered Medicare.

But he can't. And he's not alone.

#Medicare advantage #Healthcare

[ovpwebnetwork]

COVID-19 AND FLU CLINIC SCHEDULE

District Health Department #10 (DHD#10) is announcing their upcoming COVID-19/Flu vaccination clinics.

DHD#10 is hosting public COVID-19 and Flu walk-in clinics at the following locations:

Crawford County

Crawford County Commission on Aging

308 Lawndale St

Grayling, MI

November 17, 2:30pm-4:30pm

Kalkaska County

DHD#10

625 Courthouse Dr

Kalkaska, MI

October 23, 9am-12pm

DHD#10

625 Courthouse Dr

Kalkaska, MI

October 25, 9am-12pm

Manistee County

Maple Grove Township Community Center

9208 Kauko St

Kaleva, MI

October 24, 10am-12pm

Mason County

Tallman Lake Senior Center

6765 E Marshall Rd

Fountain, MI

October 23, 9am-10:30am

Scottville Senior Center

140 S Main St

Scottville, MI

October 24, 10am-12pm

Ludington Senior Center

308 S Rowe St

Ludington, MI

October 31, 9am-11am

MCC High School Cafeteria

300 W Broadway St

Scottville, MI

November 3, 2:30pm-4:30pm

Scottville Library

204 E State St

Scottville, MI

November 13, 9am-11am

Ludington Library

217 E Ludington Ave

Ludington, MI

November 13, 12pm-2pm

Newaygo County

Grant Township Hall

1617 E 120th St

Newaygo, MI

October 26, 1pm-3pm

Newaygo County Commission on Aging

93 S Gibbs St

Newaygo, MI

November 9, 10am-1pm

Oceana County

Hart Public Schools

306 W Johnson St

Hart, MI

October 24, 2pm-4pm

Wexford County

Cadillac Wexford Public Library

411 S Lake St

Cadillac, MI

October 26, 8am-12pm

Walk-in clinics are added weekly; however, residents can also schedule their Flu and COVID-19 vaccine by visiting https://www.dhd10.org/schedule or by calling 888-217-3904. If no appointments are available, consider going to a pharmacy or your primary health care provider. Additional vaccination sites can be found at https://www.vaccines.gov/search.

The cost for the seasonal flu vaccine or the preservative-free flu vaccine without insurance is $40. High dose flu shots are available for $46. Please bring your insurance cards and your driver’s license with you.

Many health insurance plans cover the cost of flu and COVID-19 vaccines. If not, DHD#10 may be able to help through Vaccines for Children (VFC) or other programs. DHD#10 can bill the following: Medicare*, Medicare Health Plans*, Medicaid, Medicaid Health Plans, Blue Cross Blue Shield, Blue Care Network**, Priority Health, McLaren Commercial, ASR, United Health Care, and TRICARE with an insurance card present at the time of appointment. It is important to be aware of your insurance benefit rules.

*Medicare can only be billed for Flu, Pneumococcal, or PCV13 shots.

**Excludes Mercy Partnered Plans.

At-home COVID-19 tests are available through https://www.covidtests.gov. DHD#10 also supplies COVID-19 at-home tests; however, supplies are limited. DHD#10’s COVID-19 test kits are only available on a first come, first served basis. Individuals are asked to take one kit per person, and up to four kits per household. Test kits are also available at most pharmacies. Be sure to call your pharmacy ahead of time, as demand remains high.

For more information on COVID-19, visit https://www.dhd10.org/coronavirus.

[birdzflycom]

Navigating the World of Insurance: A Comprehensive Guide

I. Prelude

A. Significance of Insurance In a world rife with uncertainties, insurance emerges as a fiscal safety haven, extending solace to individuals, families, and enterprises alike. From preserving your health to safeguarding your assets, insurance serves as a pivotal bulwark against risk, ensuring financial equilibrium. B. Traversing the Expanse of Insurance The landscape of insurance sprawls, a labyrinth of diverse coverage types, providers of myriad pedigrees, and a lexicon as cryptic as an enigma. Comprehending the nuances of insurance is imperative to forge sagacious choices that harmonize with your exigencies. C. Object and Scale of this Treatise In this exhaustive compendium, we embark on an odyssey through the multitudinous universe of insurance. We shall delve into the prime archetypes of insurance, shine a spotlight on eminent purveyors, respond to recurrent queries, and illuminate the murky nomenclature of insurance. Whether you are a neophyte in search of rudimentary insights or a seasoned policyholder endeavoring to refine your safeguard, this exposé is meticulously crafted to dispense invaluable perspicacity.

II. Medical Insurance A. Varieties of Medical Insurance

Health insurance constitutes a cardinal facet of personal well-being. We shall scrutinize four primary species: - PPO (Preferred Provider Organization): A pliant scheme affording the privilege of consulting both in-network and out-of-network healthcare practitioners. - HMO (Health Maintenance Organization): Emphasizes prophylactic healthcare and typically obliges members to elect a primary care physician. - Medicare Advantage: A privately tendered alternative to Medicare, often encompassing supplementary perks. - Medicaid: A governmental initiative bestowing healthcare coverage upon indigent individuals and families. B. Preeminent Health Insurance Pioneers To guide you across the teeming terrain of health insurance, we shall cast a spotlight upon four esteemed vanguards: - Blue Cross Blue Shield (BCBS): Revered for its extensive network and all-encompassing indemnification. - Cigna: Bestowing an array of schemes and well-being initiatives. - UnitedHealthcare: Celebrated for pioneering healthcare solutions and an expansive provider matrix. - Aetna: Endowing competitive schemes, focusing on well-being and preventive healthcare. C. Frequently Posed Queries on Health Insurance How does a PPO diverge from an HMO? We shall elucidate the nuances that distinguish PPO from HMO plans, thus assisting your selection in consonance with your healthcare prerequisites. What is the essence of the Medicare Advantage program? A comprehensive exploration of Medicare Advantage, delineating its advantages and eligibility requisites. How may one locate a networked healthcare provider? Pragmatic counsel and stratagems for ascertaining healthcare practitioners within your insurance network.

III. Vehicular Insurance

A. Types of Vehicular Insurance Vehicular insurance is not a mere statutory obligation; it epitomizes an imperative for preserving your automobile and fiscal equilibrium. We shall expound upon four pivotal categories: - Automobile Insurance: Fundamental coverage for personal vehicular conveyance. - Motorcycle Insurance: Specialized coverage catering to aficionados of two-wheeled transport. - Gap Insurance: A dissertation on the rationale behind gap insurance in the event of total vehicular loss. - Coverage for Uninsured Motorists: The quintessence of this coverage and its modus operandi. B. Eminent Vehicular Insurance Carriers Winnowing through the profusion of vehicular insurance choices can be a herculean task. Consequently, we shall bring into focus three preeminent providers: - Geico: Acclaimed for competitive premium rates and peerless customer service. - State Farm: Offering a panoply of coverage alternatives with individualized service. - USAA: Catering exclusively to military personnel and their families, delivering tailored policies. C. Frequently Posed Queries about Vehicular Insurance Which factors impinge upon vehicular insurance premiums? An exhaustive dissection of the variables that exert influence upon your automotive insurance premiums. What are the mechanics of gap insurance? A step-by-step delineation of how gap insurance bridges the fiscal chasm. How does liability insurance diverge from comprehensive coverage? Pellucidly explicating the disparities between these two pivotal components of vehicular insurance.

IV. Domicile Insurance

A. Varieties of Domicile Insurance The protection of your abode and possessions ranks paramount. We shall dissect three manifestations of domicile insurance: - Homeowners Insurance: Encompassing coverage that is comprehensive in its embrace of homeowners. - Renters Insurance: Safeguarding the chattels of lessees and bestowing liability indemnity. - Landlord Insurance: Imperative for proprietors who lease out residential precincts. B. Preeminent Domicile Insurance Purveyors Making a judicious election regarding domicile insurance is de rigueur. Thus, we shall introduce you to three luminary providers: - Liberty Mutual: Renowned for policies amenable to personalization and sweeping indemnification. - Allstate: Offering a panoply of policies replete with personalized options. - Farmers Insurance: Providing specialized coverage for residences and personal effects. C. Frequently Posed Queries about Domicile Insurance What falls within the purview of renters insurance? A comprehensive dissection of the ambit of protection provided by renters insurance and its intrinsic value. How can homeowners curtail their insurance premiums? Practical stratagems for the curtailment of home insurance outlays sans compromise of requisite coverage. Is landlord insurance a prerequisite for rental holdings? An exposition on the significance of landlord insurance and its differentiation from homeowners insurance.

V. Corporate and Enterprise Insurance

A. Varieties of Corporate Insurance For entrepreneurs and corporate proprietors, the preservation of your enterprise assumes cardinal import. We shall expatiate upon three pivotal genres: - Corporate Property Insurance: Safeguarding corporate assets and properties. - Liability Insurance: An armor against legal claims and liabilities. - Workers' Compensation: Provisioning coverage for work-related injuries and maladies. B. Eminent Corporate Insurance Providers The judicious selection of corporate insurance is nonpareil. We shall present you with three eminent purveyors: - Progressive: Offering a plethora of corporate insurance solutions. - The Hartford: Renowned for specialized indemnification tailored to sundry industries. - Travelers Insurance: Providing a wide spectrum of coverage alternatives for corporate entities. C. Frequently Posed Queries about Corporate Insurance What is the rationale behind workers' compensation insurance? A deep dive into the dynamics of workers' compensation and its pivotal role vis-à-vis corporations and employees. How does corporate property insurance contrast with homeowners insurance? Clarifying the chasms demarcating these two strains of property insurance. Wherefore is liability insurance indispensable for corporate entities? Unearthing the indispensable role played by liability insurance in shielding corporations from legal perils.

VI. Specialized Insurance A. Varieties of Specialized Insurance

Occasionally, customary insurance policies prove wanting. We shall deliberate upon three specialized variants: - Marine Insurance: A bulwark for watercraft and cargo during transit. - Camera Insurance: Safeguarding prized photographic equipment against theft, damage, or forfeiture. - Travel Insurance: Provisioning indemnity for unforeseen contingencies during both domestic and international sojourns. B. Notable Specialized Insurance Pioneers The quest for an apt specialized insurance provider can be labyrinthine. We shall cast a spotlight upon three esteemed options: - Amica: Offering an array of specialized insurance commodities. - Lemonade: Acclaimed for its innovative insurance paradigms and user-friendly interface. - Nationwide: Furnishing comprehensive coverage options for sundry specialized insurance requisites. C. Frequently Posed Queries about Specialized Insurance What perils are encompassed by marine insurance? A comprehensive disquisition on the hazards mitigated by marine insurance and its concomitant advantages. Is travel insurance indispensable for domestic sojourns? Expounding upon the import of travel insurance for both domestic and international peregrinations. How may one shield their valuable photographic equipment? Strategies and tips for safeguarding your costly photographic accoutrements with camera insurance.

VII. Life and Long-Term Care Insurance A. Varieties of Life Insurance

Contemplation of the future and protection of your dear ones is sacrosanct. We shall peruse three species of life insurance: - Term Life Insurance: Furnishing indemnity for a specified temporal span. - Whole Life Insurance: Proffering lifelong coverage replete with an investment facet. - Universal Life Insurance: Fusion of insurance coverage with investment prospects. B. Eminent Life Insurance Pioneers The election of an apt life insurance provider is momentous. We shall acquaint you with three distinguished options: - MetLife: Revered for its gamut of life insurance commodities. - Prudential: Offering a plethora of life insurance and investment avenues. - New York Life: Renowned for its fiscal stability and plethora of insurance choices. C. Frequently Posed Queries about Life Insurance What delineates term from whole life insurance? Clarifying the demarcations between these two elemental life insurance alternatives. How does life insurance function as an investment? Untangling the investment dimension of select life insurance policies. Is life insurance requisite for youthful adults? Addressing the pertinence of life insurance, even for those in the nascent stages of adulthood.

VIII. Optics and Dental Insurance A. Varieties of Optics and Dental Insurance

Attending to your ocular and oral well-being is obligatory. We shall delve into two pivotal varieties of insurance: - Vision Insurance: Encompassing ocular care expenses, including examinations and ocular paraphernalia. - Dental Insurance: Furnishing indemnity for dental care, from routine cleanings to substantive procedures. B. Preeminent Optics and Dental Insurance Providers The selection of the apt provider for vision and dental insurance can be daunting. We shall acquaint you with three venerable choices: - VSP (Vision Service Plan): Famed for its expansive network of ocular care providers. - Delta Dental: Offering a gamut of dental insurance schemes with widespread acceptability. - Humana: Provisioning comprehensive dental and vision coverage. C. Frequently Posed Queries about Optics and Dental Insurance What is the customary ambit of coverage under vision insurance? A detailed elucidation of the ocular care services enveloped by vision insurance. How may one locate in-network dentists for their dental scheme? Strategies for pinpointing dental care providers ensconced within your insurance network. Is vision insurance a judicious investment? A discourse on the worth of vision insurance and the circumstances warranting its acquisition.

IX. Demystifying Insurance Terminology A. Vernacularly Used Insurance Terms

The lexicon of insurance is a labyrinthine tapestry. We shall demystify certain quintessential terms: - Deductible: An exposition on the function and ramifications of a deductible. - Premium: Unpacking the calculus of premium computation and its saliency. - Coverage Limit: Enunciating the purview of coverage limits and their repercussions on insurance claims. - Claim: An exegesis on the intricacies of filing and managing an insurance claim. B. The Art of Electing the Apt Insurance The election of the fitting insurance policy mandates meticulous reflection. We shall proffer counsel on: - Appraising Your Needs: The scrutiny of your singular insurance prerequisites. - Comparing Quotations: The art of adroitly juxtaposing insurance quotations. - Comprehending Policy Particulars: The import of perusing and assimilating policy documents. C. Frequently Posed Queries about Insurance Terminology What is the rationale behind a deductible? A comprehensive illumination on how deductibles affect insurance coverage and financial outlays. How may one economize on insurance premiums? Practical counsel for ameliorating insurance premiums sans forsaking requisite coverage. What recourse should be taken if an insurance claim is repudiated? Guidance on the stratagems to be deployed in the event of the denial of an insurance claim, including the avenue of appeals.

X. Epilogue A. Summation of Salient Takeaways

We shall recapitulate the pivotal facets expounded upon in the compendium, ensuring a lucid assimilation of insurance alternatives and contemplations. B. Encouragement toward Discerning Insurance Judgments Empowering you to craft sagacious insurance determinations that resonate with your exigencies and aspirations. C. Glimpses into Future Trajectories in the Insurance Domain A sneak peek into the evolving visage of insurance and the prospective innovations and metamorphoses in the realm, encompassing potential shifts and advancements. The voyage through the labyrinth of insurance may be labyrinthine, yet armed with the enlightenment proffered by this all-encompassing handbook, you shall be fortified to shield yourself, your loved ones, and your resources. Bear in mind, judicious selections in the present herald a secure morrow. Read the full article

#Insurance

[sanguinifex]

The way US health insurance works sounds like it comes from a science fiction novel about a floating community in international waters where laws don’t exist except informal market sanctions for breach of contract and everyone has to hire bodyguards. There is no other sane explanation for why some people pay thousands of dollars for an MRI and others get the exact same MRI for 250

Like, if employer and commercial insurances were restricted to contracts of no more than 200% of Medicare allowed amounts and there were upper limits on what deductibles and maximums were legal, that would help. Also, putting a minimum pre-benefits income limit of at least $75000 for an individual to enroll in an HDHP plan (pro-rated ofc).

Heck, letting CMS offer a plan to citizens, permanent residents, and those temporarily authorized to work in the US age 26-64 with 200% Medicare rates, a $500 deductible, $5000 maximum, and 25 or 30% coinsurance for $200/month nontobacco/$250 tobacco user, with no penalties related to what plans one’s employer offers, would do a great deal to curb the madness that is health insurance in the US. The current system is anticompetitive because coverage affordability is “whatever your employer offers” for the vast majority of people under 65, and employers outside of highly competitive fields are incentivized to pick whichever carrier meets minimum requirements and costs them the least, rather than which plans would be good fits for the majority of their employees.

Obviously, I’d prefer universal single-payer healthcare and the federal or state governments owning most hospitals and be done with it, basically the UK system prior to the Tories gutting it, but unfortunately United Healthcare, Blue Cross, and Aetna have bought too many legislators for that to be very likely.

[top10healthinsurancecompanie]

Top 10 Health Insurance Companies in the World

Health Insurance Companies

Have you ever wondered who is leading the pack when it comes to health insurance? Let's dive into the world of insurance titans and uncover the top players. Buckle up; it's an informational trip!

Introduction to Health Insurance

Why Health Insurance?

Suppose health insurance is a safety net. When life throws a curveball in the form of unanticipated medical bills, wouldn't you want commodity to buffer the fiscal blow? Health insurance is that bumper. It's not just about medical bills, however. Good health insurance ensures you get timely, quality care without breaking the bank.

How the Companies are Ranked

Before jumping into our top 10, let's clarify how we rank them. Is it by profit, client satisfaction, or content options? In verity, it's a blend of all these and further. The companies on our list exceed in multiple areas, setting them piecemeal from the rest.

Key Metrics to Evaluate Insurance Companies

Coverage Options

Have you ever heard the saying" variety is the spice of life"? Well, the same goes for insurance. A company that offers a broad range of plans and benefits is more likely to feed individual requirements.

Customer Service

Imagine having a query or an emergency and getting stuck in an endless loop of automated messages. Frustrating, right? Effective customer service is essential. Insurance firms that prioritize their customers make all the difference.

Pricing and Affordability

Isn't it lovely when you get more for less? Value for money is crucial in health insurance. It's not about the cheapest plan but about the best plan for your budget.

The Top 10 Companies

UnitedHealth Group This behemoth stands tall as the largest health insurer globally. They're known for their diverse offerings and unparalleled customer service.

Anthem, Inc. Anthem boasts millions of members and a vast network of healthcare professionals. Their innovative health solutions are a key selling point.

Aetna Now a subsidiary of CVS Health, Aetna's reputation precedes them. Their emphasis on holistic health sets them apart.

Cigna Operating internationally, Cigna offers both health and life insurance. Their customizable plans are a crowd favorite.

Humana Humana is a favorite among seniors, primarily because of its stellar Medicare plans. Plus, their wellness programs are a hit.

Kaiser Permanente Kaiser emphasizes prevention and wellness. Their integrated approach to care is both unique and highly effective.

Blue Cross Blue Shield

With roots going back to the 1920s, this is a trusted name in the assiduity. They offer content in all 50 countries and beyond.

Centene Corporation Centene focuses on underserved communities, ensuring everyone has access to quality healthcare. Their commitment is commendable.

WellCare Health Plans Specializing in government-sponsored plans, WellCare is a leader in Medicaid and Medicare.

Molina Healthcare Molina's family-centric approach is heartwarming. They've made massive strides in managed healthcare services.

Conclusion

Choosing the right health insurance company can feel inviting, but armed with knowledge, you are more than ready. The top players in the assiduity prioritize your health, budget, and peace of mind. So, whether you are looking for comprehensive content or a commodity further introduction, there is a company out there just for you.

[lrmartinjr]

[manleycollins]

Journal Entry #75 - Happy Independence Day....Simply Talking

JOURNAL ENTRY #75 Name: Manley M Collins Social Security Number: 5 7 9 – * * – 6 5 4 1 Date of Birth: 06/21 Place of Birth: Washington, District of Columbia Country of Birth: United States of America Date: July 4, 2023

TOPIC: Happy Independence Day…Just Simply Talking

Massachusetts Commission Against Discrimination (MCAD) with SplitSpot and Pine Street Inn is in the appeals process. For some odd reason, I am telling them racism and discrimination during and after the end result of any situation. I am telling before applying for services and jobs, and now no one is hiring or accepting me for housing for telling before. What is the importance of Massachusetts Commission Against Discrimination? Just like Southampton, what is the importance of Boston Public Health Commission?

Street money donations to me went to Boston Public Library (BPL), Massachusetts General Hospital (MGH), and Alpha Phi Alpha Fraternity, Inc.

I obtained my Zumba certification and started practicing plus putting videos on YouTube. I have joined the important Zumba groups. I got my first education course Cueing Like A Pro for free. My first instructor class was in Foxboro, Massachusetts at Fit Factory. It was fun and I was the only African (Cameroonian)-American male in the class. The photo is on my photostreams. Zumba did let me know I am independent contractor while doing classes. Along with my fitness coach interview from OrangeTheory, I received the inside track of how much personal trainers and group fitness instructors are paid per hour. I will be working a lot. I toured a space using Peerspace to host my first class. I am debating whether to go back to the Hartford Business Insurance or try K and K business insurance for the first time.

I am working with Massachusetts Vocational Rehabilitation Commission and they have done a wonderful job in helping revamp my resume, begin getting the motivation to job search, and listen to similar topics to DeVry University and University of Phoenix. They tried to push me to talk about my future like I was crazy, but I simply told them the past and present issues at hand. The only future situation is the upcoming Olympics 2024.

I attended another Inclusion Summit with the University of Phoenix.

My project and program management skills are very beneficial in managing the limited income and benefits.

My Supplemental Nutrition Assistance Program (SNAP) or food stamps benefits went from $450 per month during pandemic with federal help, then to $200 per month with state help, and now to $20 per month a reality in having cash available, and mind you I am still under the poverty line and low-income status.

My Medicare benefits are coming for the first time. I had to inquire about how to get my medical premium paid for and MassHealth Medicaid had an answer for me plus an application. I sent the application right back in. At the same time, I returned back to my roots with applying for Blue Cross Blue Shield Medicare Part C with the ultimate plan including all the bells and whistles. BCBS also offers international travel insurance plans too. I am excited. Hello again Anthem BCBS and CareFirst BCBS. Nothing the other insurance policies, but I was introduced with BCBS when I had my internship with the federal government.

After suppressing my sugar for a long time, and no sugar and carbs diet, my body went haywire in March 2023, I gained ten (10) pounds because metabolism or the hunger gene or starvation body notification kept going off like crazy. I am drinking plenty of Powerade and Vitamin Water, eating a lot of 7-Eleven Pizzas and McDonald's French Fries combined with my nutritional shakes, Lenny and Larry's cookies, One A Day Multivitamin, and Metamucil. I went back to Digestive Advantage gummies again. Someone really loved my glowing skin, which means the collagen vitamin powders is working.

I attended a Meetup Memorial Day Picnic in Cambridge and it was fun. I met plenty of people. We played throw the football. I saw some new games that I never seen before. I spoke with a variety of different people. I played UNO and got some free food at the park. Thanks for a great time, Tal as the host and others. We shared food and drinks as well.

City of Boston Election Board sent me another rejection notice stating I am not allowed to vote, but I cannot help the automated processes connected to the RMV and any other departments to capture new residents.

Massachusetts is finally giving up sex in 2023, very surprising and I wonder why.

I attended the United States Department of State Foreign Service seminar. It was very enlightening and helpful to understand the positions. I gave real-time questions and got real-time answers.

I have a mentee from the University of Phoenix and met twice already to help guide her during her doctoral journey and process. I attended the University of Phoenix mentor and mentee conference in June 2023. It feels good helping someone else during their journey.

I changed therapist services until I find the right one. I left Boston Medical Center, then went to Life Stance, and then Trust Therapists, and then TCA Counseling Group, and then Boston Neurobehavioral.

I attended the Volontaire Paris Olympics 2024 Webinar, which gave more insight on the volunteer process. I am glad an investigation is going on regarding the Paris Olympics 2024 ticketing process, but I could not find any affordable seats for any of my events, such as athletics and basketball. Remaining athletic tickets were $900 per seat and basketball medaling ceremony games did not have anything.

I spent my birthday in Raynham, Massachusetts at the Marriott Courtyard. I did the gym, went to Walmart, ate at Applebee's, listen to audiobooks, synchronize my computer with the cloud, my smartphone and new USB drive, socialized over the sex apps and finally got one friend to come over, and slept naked. Yes, I made phone call to the Federal Express attorney team. I saw somewhat of the suburban and countryside of Greater Boston area.

Celebrating by communicating like no tomorrow across social media apps and at the Marriott Courtyard plus switching rooms in a different part of Massachusetts. Massachusetts has mobile homes parks, ya'll, all neat, clean, groomed to a 'T', and sparkly. It is my first trip on MBTA's Purple line or regional rail and GBTA bus system.

Black Entertainment Television "12 Years a Slave" movie pissed me the heck off. United States of America truly showed the separation of and disruption the African-American/Black family. It is still done through the courts.

Eric Tolendano and Olivier Nakache French film "The Intouchables" movie was fresh and exciting about two heterosexual men taking care of each other and serving a purpose in each other lives. English subtitles were great. I was able to match the language with how they say it French. However, the movie does depict Africans or Black people are the same no matter where we are. It was combined sad and happy emotional ending.

I lost another USB drive or taken from my back pocket, but re-purchased another one with storage upgrade. Still sending everything to the technology cloud.

I ate my meal (grilled salmon, steamed broccoli, mac and cheese, mashed potatoes, vanilla ice cream, and blondie) at Applebee's and got a buzz from Peach on the Beach.

I had a happy birthday. God blessed me to see another year. Thank you and I am grateful.

I am still going to American Red Cross Boston Food Pantry and Boston Medical Center Food Pantry.

One of the individual human defendants is trying to settle and get out of a lawsuit they brought on themselves. I do not submit. I do not tolerate racism or discrimination in any shape form or fashion.

I met with Pine Street Inn leasing department for their permanent housing locations.

I attended the Boston Public Library Morning Brew discussing the preservation of Boston communities’ histories.

I registered for the USATF Masters Championships and already booked everything.

I attended my first Tend Dental appointment. They gave a referral to O'Trafford Dental Specialists and they were going to restart the same process as Tend to provide treatment for my 20-year root canal issue.

I attended Massachusetts Superior Court Hearing regarding Southampton and met the attorney general staff member attorney representing Commonwealth of Massachusetts. I spoke with the attorney after we got instructions from Judge and we, the attorney and I, discussed the notice of appearances and withdrawals during the case.

I had my Massachusetts Superior Court Rule 16 (Pre-Trial) Conference and it was okay. The attorney and an unexpected individual human defendant showed up, and bombarded the Judge. I kept calm and got my instructions. We are in the discovery phase. Just as fast Federal Express attorney team sending documents, and I sending the same punch or even harder back.

I did a lot of surveys. I updated my EZPassNY account. My Great Lakes account moved or migrated to the parent company Nelnet. Edfinancial/IDAPP is upgrading their systems too. I hope they are holding back the already payments made until the systems are finished upgrading. Joel Osteen is still giving great messages. I am still reading United States Congressmen and Congresswomen newsletters and emails. IBM reimagined my machine after installation of another SSD PC Card upgrade…thank goodness for backups. IBM Support did help after to find the parts that were missing from my machine, which was not on the original custom order. I signed up for another Google and FaceBook class action suit. Zoom application is becoming a more important role for my classes and meeting new individuals.

I requested my Annual Credit Report and saw some accounts as expected dropped off. I spoke to Paris 2024 Olympics - On Location Experience for the Olympic and Paralympic Games provided okay packages, but not customizable enough for customer to enough the events of his/her choice especially when priced $15,000 plus per week.

I attended the French Library Online Conversation Club and a Soiree. I researched more on the French language certifications. French Levels of Testing

Going for Nationality License, Long Term Residence Permit DILF - initial / first - A 1.1 DELF tout public - A1, A2, B1, B2 DELF prim - A1.1, A1, A2 DELF junior/scolaire - A1, A2, B1, B2 DALF - C1, C2

Campus France levels of testing TCF (Test de Connaissance du Français Test of Knowledge of French) TEF (Test d'Evaluation du français French Assessment) DELF DALF

I bought a new shoulder wallet and new shorts from Marshalls Clothing Store. I repurchased my Nike athletic outfit - white top, black long spandex.

LinkedIn Learning (formerly Lynda.com) Certifications Taken at Boston Public Library

(Currently on => Oracle Cloud Infrastructure Architect Professional by Oracle University)

Managerial Economics by Stefan Michel

Linux: System Maintenance by Scott Simpson

Programming Foundations: Database by Scott Simpson

Product Management First Steps by Doug Winnie

Introduction to Responsible Artificial Intelligence Algorithm by Martin Kemka

Foundations of Responsible Artificial Intelligence by Ayodele Odubela

Generative Artificial Intelligence for Business Leaders by Tomer Cohen

Microsoft Exchange Server 2019: Administration by Robert McMillen

The Data Science of Economic, Banking, and Finance with Barton Poulson

Running a Profitable Business: Understanding Cash Flow by Jim Stice and Earl Stice

Oracle Cloud Database Migration and Integration 2022 Professional Workshop by Oracle University

Project Management Foundations: Integration by Oliver Yarbrough

Learning Apache Tomcat by Josh Samuelson

Apache Web Server: Administration by Jon Peck

Business Analysis Foundations by Greta Blash

Oracle Database 19c: Basic SQL by Bob Bryla

Project Management Foundations: Schedules by Bonnie Biafore

Cybersecurity for Small and Medium Businesses: Essential Training by Kristin Judge

Red Hat Enterprise Linux 8 Essential Training by Grant McWilliams

How to Regain Control of Your Time, Energy, and Priorities by Pete Mockaitis

Oracle Autonomous Database by Oracle University

Demonstrating Accountability as a Leader by Dr. Shirley Davis

Essential French in Two Hours with Paul Noble by HarperCollins

Essential Lessons for First-Time Managers by Dave Labowitz and Madecraft

Deploying Exchange Server 2016 by Robert McMillen

Project Management Skills for Leaders

QuickBooks Online Essential Training (2021) by Bonnie Biafore

Learning Cloud Computing: Core Concepts by David Linthicum

Learning Oracle Database 19c by Bob Bryla

Setting Up a Red Hat Enterprise Linux Server by Sandra Toner

What is Business Analysis? by Laura Paton

From my Nokia first cellphone to current Apple iPhone and Samsung Galaxy Smartphone Apps:

ZIN Play App is Zumba's app to replicate the website. I can make playlists and work with the latest workouts, etc.

Massachusetts Lottery app is the ability to play the lottery, monitor the jackpot, and scan the tickets from the app. I am impressed on my first use.

ClassBuzz is Zumba's app to create gifs and manage virtual and in-person classes.

mTicket is a Massachusetts Bay Transit Authority purple line to manage automated tickets. It worked properly. The conductors were able to scan right from the smartphone.

AirFrance is an airplane app and keeps me updated on my favorite trip from Boston to European trip.

Wix Owner is an app that helps manage my websites and new options with VistaPrint. It works well, but VistaPrint and Wix hit a snag in letting customers change their website plan to take advantage of certain features. Wix is the first company I provided my corporation's business paperwork and bank account information.

Virgin Pulse is a health app that works in coordination of Massachusetts General Hospital to provide wellness, mental health, and self-care support with a MGH ACO HealthPlan (MassHealth Medicaid).

OpenTable is a restaurant reservation app that worked well when a new older friend decided to treat me to Eataly Boston (La Pizza & La Pasta diner) in the Prudential Center.

Health Plan Member is a health and medical app to help manage information regarding the MGH ACO HealthPlan (MassHealth Medicaid).

Top Ten (10) Personal Music Playlists

In My Feelings - Kehlani AND In My Feelings - Drake

Temperature Rising - Tory Lanez

Superhero - Dosseh

Birthday Cake - Rihanna

Birthday - Katy Perry

Rachet Birthday - Drake

It's Your Birthday - Luke

Champagne Life - Ne Yo

Break My Soul - Beyonce (Plus The Queens Remix and Honey Dijon Remix)

You Brought the Sunshine (DJ Spen Remix) - The Clark Sisters

The audio books are still letting me know what is happening in the world and how the world thinks. I am going through African-American/Black authors works and books because I am African-American/Black first. If time permits and I finish the African-American/Black authors, then I will visit other races and ethnicities on similar topics.

Eric Jerome Dickey's Blackbirds was a good sibling or friends’ story. I really loved my family and friends, but I guess I was slighted on always seeing the best version of themselves. I could not get too angry with someone (biological father and his family) that was never there. Thank goodness for getting through my child molestation therapy that I never encountered soft dicks or penises. The cocks, dicks, or penises I chased after or chased after me were good and great, and each one knew how to fuck or make love. I did meet some kings of ding-a-lings (for example 11 inches length by 7 inches round), but did not challenge myself to take them. I want to meet a dude with diphallia or anyone as a hermaphrodite. I still have not encountered the best besides myself. Unfortunately, my last bottoming or submission experience was 2010 after chasing each other for five years. I am very glad I evolved in being a dominant top or Type A or active male for females and males. This is probably another reason for me not getting along with males because I do not submit to anyone except to a female who wants the moment for an hour or two. I am very proud of the dominant and aggressive females that I had in life that taught me a good lesson or two in bed. I am very proud of the super feminine and submissive females that fed my ego to the max. It is only one vagina or pussy that I had had superpowers over me like kryptonite before I had to let her go. Yes, if I had preference, priority order 1. Vagina or Pussy, 2. Ass or Butt, 3. Dick or Cock or Penis in any sexual activity in the present or future. Most posts will be written in another language. This is not a coming out story, but taking the power from those who live to disrupt my peace, harmony, and healing, and my optimistic future. Friendships can be cherished if life can allow such closeness over time.

Eric Jerome Dickey's Genevieve was a good family story with a horny spouse. The past can be a detrimental thing, when people have to change names and stay away from family for years or decades. Despite all that happens in and with family, when a strong spouse goes through her final therapeutic session and stands by her man that is a bond no one can go against. Yes, Genevieve "Lakeisha Shawnna Smith" Forbes was my favorite character.

Eric Jerome Dickey's Drive Me Crazy was okay, but highlights again the spin on journalism on high crime, affairs, and mischievous moves. Even though, Earl "Driver" was the main character, his weakness was women and an impersonation of intelligence personality. This story highlights the horrible side of law enforcement, and overstepping and overuse of the law enforcement powers even after someone is long gone or left the force. This reflected back on my situations in Maryland, Ohio, and New York, "Who put all levels of law enforcement up to the decision when there was no supporting evidence?" Ohio, I can admit I was wrong, but could have been let go with a warning. Maryland and New York, as I mentioned an arrest for no reason, "Who made the decision?" Washington, DC and Delaware, still chasing me until something happens for when I miss child support payments and this is because of my ignorance or lack of knowledge of having a child is a criminal offense whether in or out of wedlock, but the church and family sees a child as a blessing and then rip the family apart. Soul stirring Rufus was my comedian in this book. The band of the two brothers was hilarious. Samantha "Panther" helps me understand how she came into Earl "Driver's" life and comes into play for Eric Jerome Dickey's Naughty or Nice. Plagiarism is so real, but Corporate America rejects original thoughts from people like myself, but everyone and even the news steal ideas to what can make the headlines or makes profits. And I am labeled the crazy one and loss all my sh*t.

Eric Jerome Dickey's Bad Men and Wicked Women was excellent. Jake Ellis and Ken Swift were my favorite characters in this one. I need an African male, heterosexual bull co-worker or friend like Jake Ellis in my life. This was another action packed and suspensefully written piece of work. Heterosexuals and Lesbians need to treat the wife right because the ones perceived weak and unsuspecting are the most powerful in a spouse's downfall. This story did give the perspective on how everything is the same in war and fighting, and the glorified world is partially fixed especially in the fields of journalism, such as what makes the news and how a severe crime scene(s) has/have a whole lotta spin. The good jobs perceived to be good and stable, but those getting the good and stable jobs do not realize the grunt work put into having that position. The business of money laundering and blood money is a concept I understand regarding the San Bernadino business. The real banks tried to show me how it is done with a little bit of my money and my own money. Most people believe killers or murderers have no heart, but this story gave whole another perception of protection around offspring, mistreated individuals, and family. In my heyday, this is why South Carolina, Georgia, and Washington, DC knew to contact Marvell (Jake Ellis and Ken Swift combined) and he will handle it, and I do not mind reliving it for any future offspring, protected class of people that can't defend themselves, and family. I have not killed anyone, yet, and if I did, I would not incriminate myself publicly, I would call someone like San Bernadino or ensure my DNA and GPS tracking is nowhere near the crime scene. Eric Jerome Dickey's books are having me flashback hard to my visit in 2011 to California…I actually physically saw most of the places, streets, and all he described.

Eric Jerome Dickey's A Wanted Woman was very action packed just like an action movie. A 14-hour audiobook. The main character "The Woman of a 1,000 faces" or "Reaper" or "MX401" was very good depiction of a superb assassin. I was highly impressed. In combination with movies, such as John Wick, 007, Wanted, Mr. & Mrs. Smith, and Equalizer plus violent video games plus news information about gangs, they all inform me that the Cain and Abel biblical depiction of life that killing without remorse does exist. The United States legal world and business world kept driving me into a path I never saw in real life as a way to make a living or never told by education in schools/college/universities. My foundational thought growing up was anyone dying by a gun or bullet was an accident, or someone was angry, or run away from the scene, and to always stay away from guns. As my honest way of living is dwindling down to nothing in the United States of America, no work experience in other avenues of work, or my work experience exceeds W-2, 1099, and Corporate-to-Corporate jobs, I want to meet a real assassin who got started with or without blood money. I do not want drug dealer money because it is too complicated. Doctoral research on my mental health issues already state that I have the capability to do it. As a former armed security guard plus my first legal gun license permit does start the seeding. As a former member of US Veteran Reserve Corp, I saw the weapon training at a secret location for assassins. The name or lingo changes from calling someone a mercenary. The lottery and lawsuits are long shots in trying to get money for all my losses. I am going to give this sports and fitness career a try, but I am inching closer to the unconsidered side of life that is coming out for real if I remain in United States of America. I always wondered by inflation and expensive locations going up, how people could afford that lifestyle?!?! I could travel and know the world another way. Honest living does take on a different connation. The hurt each other never stopped since the beginning of life.

Eric Jerome Dickey's One Night is a book recommended for everyone. I thought just like the character of "Man from Orange County." I am no more NAIVE about women. I really, really, sincerely really did not know about how WOMEN think, process, and do sht. Jacqueline Francesca Parker Summers is one hll of a woman. Best line: Crazy Got to Understand Crazy 2nd Best line: Who wants to battle for Cheesecake? Me: 20 babies…but I will settle to make or have four (4) babies…or at least keep trying. Thank God for this life's break to understand the world.

Eric Jerome Dickey's Naughtier than Nice was super naughty and connected so well. My favorite characters turned into an insane asylum with everyone stubborn. It was a complete opposite of the Naughty or Nice. This book does put in perspective what people do to get money or materialistic things or destroy their own lives. Criminals, con artists, people constantly changing their names or identity, blackmailers, and women or men scorn over a bad breakup do not come to me to pull a scam or got residual feelings. Everything was done the first time around in my life and my apologies for being Fort Knox, US Federal Reserve Bank, the Pentagon, and the entire United States Department of Defense forged as one unit. Thanks to all the servicemembers men and women who do serve in the military and fought for the USA to be free to be crazy. I like somewhat of the James Baldwin connection using the Beale Streets character. Again, everyone said I was crazy or insane. Now, I am definitely going somewhere else to have another country fight for my freedom after this book.

Eric Jerome Dickey’s Naughty or Nice was super hot and funny. Michael “CarpeDiem0707” Davidson and Olivia “Livvy” McBroom Badera are my favorite characters. There is nothing on this earth that can match a woman’s orgasm. Michael “Carpe” reminded me of being such a terrible person to the women in Atlanta, Georgia; Washington, District of Columbia; Maryland; and Chicago, Illinois for making the pussy or vagina talk, vibrate, gush, and sing, and put the women to sleep. Atlanta gave me my first Male-Female-Male (MFM) ménage à trois, but I will experience my Female-Female-Male-Female (FFMF) or Female-Male-Female (FMF) before I leave this world. My self-pleasure (masturbation) to all my fantasies with women is so fulfilling. Second chances on anything or anyone is where I get fcked up with the exception of Planet Fitness and Crunch Fitness, or the gyms, and track and field. I believe and know there is an abundance of first chances and I will continue to chase those first chances until the end of time. I am that motherfcking sex athlete.

E. Lynn Harris’s What Becomes of the Brokenhearted is well deserving, and connects all the books together or at least gives the backdrop of how the books are written. I saved this book for last. Washington, DC’s Black Pride Memorial Day weekend was strong in 1980s and still going strong in 2020s. So many memories for me. Traxx nightclub DC was around in the 1980s….I did not see it until the 1990s. Good times dancing and chatting up conversation, and lots and lots of hugs. E. Lynn Harris books are therapeutic for plenty of various topics. It is disappointing how introverted E. Lynn Harris was, but real as alcoholism takes over, depression takes life to a specific low, and introverts driven for all their love in one person. I am very touched by his books coming at the right time of my life. Thank you, E. Lynn Harris and co-authors. Thanks to the publishing company, actors, and actresses making the audiobooks possible.

I love all of you despite all our differences. I am grateful for the organizations I joined, programs I participated, and schools/universities attended. I am grateful for therapy, medical, medication, and health help by all the research, doctors, nurses, and other heroes. I am grateful for my families, my friends, my social networks, my teammates, my peers, my co-workers, and those I met once in meetings, passing by, or conversations. I never took anything or anyone for granted. I am healing, but willing to talk and discuss about anything. I appreciate and love myself, and my spirit. God is the best person to keep first.

E. Lynn Harris and R. M. Johnson’s No One in the World was very well written. The End leaves room for more or an encore. Colby Aiden Winslow is my favorite character. I did not like him at first, but he knew family. Cissy Winslow is a close second favorite character. Tyler, the US Senator, was a good character also describing the benefits of family and how the world sees people. From all E. Lynn books presents attorneys as whores. Captain-Save-A-Hoe was a funny line. Family has it benefits, but for me, my family said my life would’ve been this way or that way and ended up being all lies for my entire life with the exception of my ex female partner that only came out right. Everyone is a criminal in some shape or form. However, the legal profession is making a path of reality on making someone like me a criminal despite all the education and navigation I prevented to get caught. As a criminal, I never do random…I presented everything upfront…I send everything including the consequences directly back to the source. Afraid of YOU…hll no. This book provides the sides of what family, people, and criminals do when anyone is in a tough spot. For Massachusetts, I tell the truth at the time it happened, then everyone does whatever it takes to turn it into lie. Again, to reiterate “Afraid of YOU…hll no!”

E. Lynn Harris’s Any Way the Wind Blows was good. John Basil Henderson is my favorite character. Bartholomew “Bart” Dunbar reminded me so much of all the gay men that wanted to out me since I was still finding myself in life’s current mess. This could be a root cause for me not getting along with gay men. Ava Harrington paints a very bad picture of mothers, actors, actresses, models, and singers. I thank God I never went that or pursued that route of life for acting, modeling, and singing. Ava’s motherhood issues do shed light that mothers can be more terrible than deadbeat dads. Corporate America does its dirt, but I understand the rewards and consequences of doing business. The hunt for stardom, revenge, or celebrity status is more dangerous than me and my mental health issues. Everyone wonders why I bolt so fast OR patiently wait for all consequences for your actions, and send back paperwork to discuss the issues and tell everywhere so everyone will know what you did along with my response.

E. Lynn Harris’s A Love of My Own was also good, down-to-earth, and more realistic. Sebastian, Zola Denise Norwood, William Jabbar Lewis, Hayden, and Drew Taylor were my favorite characters. I guess I see the reason Corporate America did not like me because I do/did not cross the rules or boundaries, just do the work and learn, and stuck to my data/information and decisions. I thank Corporate America second to Sports and Fitness for teaching me Termination (Let Go), Disconnect (Let Go), and Resilience (Bounce Back). Raymond Jr and Basil was bound to happen. Raymond Jr. and Drew reminded me to realize men can feel emotional just like women. However, I will stick to my realism and not fairy tales.

E. Lynn Harris’s I Say a Little Prayer was hilarious from start to finish. I laughed two days straight. A gun toting or weapon toting Skyler, and Pastor Kenneth and First Lady Sister Vivian were my favorite characters. I am impartial to Chauncey and Bassell because there are the 1% of people who do have self-control and can turn gay on and off, not every LGBTIQA+ or heterosexual cheats. For example, I never cheated in any of my relationships; what happens is the moment someone says let’s go monogamous, I do all my dirt up to the verbal commitment, always plays safe and get tested, then invest all my love, trust, sexual experience, 100% full attention, and energy all into that one person, then when the person leaves or we breakup, I go right back to serial dating. Quote from the book: “Save a Sin to not Lie to a Minister” was funny. The gay-for-play or gay-for-pay was new terminology for me and reminded me of Harvard University COOP Bookstore having a book, "How to be Gay." The acronyms were cute. The names and reflection on the black culture for those and me that can relate is too funny. I really miss and going to miss, Atlanta, Georgia, my first loving outweighs the hate city and good memories outweigh the bad memories there for me. It is awesome to visit the Atlanta metro area.

E. Lynn Harris’s Not a Day Goes By was spectacularly angry and wonderfully written. John Bassell Henderson and his daddy were my favorite characters. Despite everything going on, Bassell stuck to his core and never picked a team. I dislike Raymond Jr, Zuric, and Nico for attempting to make Bassell pick a team. The novel made me reflect on my heterosexual relationships heading in with all love and trust in women, then Yancey and Ava were revealed in the moment of change or distance or space (the difference with my females they kept the kids). With all the Derricks (male or female) of the world, I am still wondering with my Washington, DC or Chicago residences with family or my own place, who the f*ck kept showing up at my lobby or houses, introducing the themselves, and leaving no contact information? My families and receptionist told me constantly.

James Baldwin’s Go Tell It On the Mountain was seriously good to find out what happened before my birth. Richard and Debra were my favorite characters. Richard was strong and had my attitude, “Do me motherfckers!” and take them down right with him, but I am sorry he committed suicide after being set free without knowing he was a daddy and his soul was broken after being jailed for no reason. Debra was strong to show how stand by a cheating husband and pastor, and keep his sins with him even while he pastors a church or being a missionary. New York been doing its shady sht then in the 1910s, 1920s, 1930s, 1940s, 1950s, 1960s until now and the future. Latinos and everyone else want this country, and history repeats itself repeatedly just with new folks. Everyone, including Jesus, was and is a sinner. Adultery, Violators of the Ten Commandments, and everything was dumped at my doorstep and I never complained or created drama in the 1980s, 1990s, 2000s until 2007. Thanks to my higher being or God for keeping me safe back then and now.

E. Lynn Harris’s Basketball Jones was okay. No favorite characters in this one. However out of guilt and not knowing, for and to all my 1980s, 1990s, 2000s male and female friends, my sincere apologies “I AM SORRY” if I lied out of not knowing what I was saying via any communication method in the 1980s, 1990s, and 2000s, or did not tend to your needs as I should have, or did not give you the opportunity to be with me. More power to new beginnings as the story showed.

E. Lynn Harris’s Just Too Good to Be True was slightly depressing. Sports Athletes, I am amazed at the sports industry and I thought direct sales in Corporate America was hard. Women, the church and family culture, and disowning your own kids really surprised me and bad jokes are harmful. I did not know. Delmarr and Sylvester are my favorite characters in this one.

E. Lynn Harris's Abide With Me was more realistic. The World is Evil and I am glad I got mine out early. I may still be suffering, but better position. I was Raymond Tyler Jr mixed with Nicole until 2007. Thanks for my ten (10) Delaney friends. Bassell is too funny and reminds of every sport athlete or military person I ran across. Jared is my dude and still reminds me of my past, current, and future dream type of life always keep trying. Delaney is my stand-up girl. "Family and Friends at a distance."

Just As I Am by E. Lynn Harris is one of the most powerful and relevant novels read or heard so far. Some much Black love poured into it. 15 Hours of Listening…I couldn't stop listening. Self-Reflection, Retrospection of Culture, and Healing Therapy for me. No change in my rules.

E. Lynn Harris’s Invisible Life was relevant and spot on the cards life dealt. Thank you for letting me know my life was unique and okay to be me, a Black man. Black authors can write……….Words from a Stranger provides Healing.

If Beale Street Could Talk by James Baldwin is hot 🔥 🥵 Make me wanna have twenty (20) babies

Happy Independence Day or July 4th, Happy Canada or Dominion Day, Happy Nude Recreation Month, Happy Cell Phone Courtesy Month, Happy Global Forgiveness Day, Happy Disobedience Day, Happy Bastille Day, Happy National Motorcycle Day, Happy Buffalo Soldiers Day, Happy Systems Administrator Day, Happy National Minority Mental Health Awareness Month

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