Medicare Advantage Plan

Majority of the people get their health coverage through the Original Medicare, but about one-third of the beneficiaries have now opted for Medicare Advantage plan. Medicare Advantage plan (also known as Medicare private health plan) are achieved through the federal government where a fixed amount is paid to every enrollee to provide Medicare benefits.

There are several Medicare Advantage plans and the most common are:
-Preferred Provider Organizations (PPOs)
-Health Maintenance Organizations (HMOs)
-Private Fee-For-Service (PFFS)

Other Medicare Advantage Plans include Provider Sponsored Organizations (PSOs), Special Needs Plans (SNPs), and Medicare Medical Savings Accounts (MSA).

Read more: InnovaCare Inc Company Profile

About Medicare Advantage Plan
Every enrollee in Medicare Advantage Plan must pay their monthly Part A or Part B premiums depending on what they have subscribed. Also, each Medicare Advantage Plan must provide all Part B and A services offered by Original Medicare through either different costs, rules and restrictions that affect when and how clients receive care according to their will.

It is also expected that all Medicare Advantage plans to include a limit on out-of-pocket expenses for Part A and B to the clients. For instance, the out-of-pocket maximum for HMO plans this year is $6,850. The plans are also not allowed to include cost-sharing (such as Coinsurances and copays) that are higher than it would be under Original Medicare for certain services such as dialysis and chemotherapy but for other services they can have a higher cost sharing.

Medicare Advantage Plan also provides additional benefits not provided by Original Medicare such as dental care and routine vision. The various plans also have their rules and what can be covered for the patient. However, the plans can be of the same type, but if they are offered by different companies, then they will tend to have different rules. The clients are therefore advised to check a plan keenly whenever they want to know how a program works.

Medicare Advantage Plan charges a premium in addition to Medicare Part B premium. A fixed premium called copayment is also charged whenever a client receives a service. There even those plans that charge a percentage of the cost of the service known as coinsurance for all or some of the services.

Rules for Joining Medicare Advantage Plan:

-You must be living in the plan’s service area
-You must have Medicare Parts A and part B
-You must not be having End-Stage Renal Disease (ESRD)

Medicare Advantage Plan is provided through commercial insurance services, and one of such firm is InnovaCare. The company is headed by executives such as Rick Shinto, M.D., MBA & President and Chief Executive Officer of InnovaCare. Penelope Kokkinides, Chief Administrative Officer of the company.

InnovaCare Health is also recognized for being a leading provider of healthcare services in North America through Medicare Advantage and Provider Networks which are mainly committed to quality and sustainable management of health. The primary mission of InnovaCare Health is to redefine healthcare through meeting challenges of healthcare environment today by mainly focusing on patients.

Learn more about InnovaCare Health:

A Loving Hair Product

WEN by Chaz is a line of products that is very simply a combination shampoo, conditioner, and styling gel in one bottle. These bottles are often 16 or 32 ounces, or a travel size bottle for a trial. Sephora, QVC, Amazon and Guthy-Renker are only four places that Wen can be bought from.
The cleansing conditioner from this line is particularly amazing. A writer on decided to try the product, and her results have come in. She used the product for a week, and has thin hair. She was, of course, worried since the amount recommended by the company is about three times the amount she usually used.

Over the week, she noticed that her hair was softer after each use. Following the instructions precisely, she squirted 10 times into her hand. She massaged it into her scalp, and ran it down her hair. After letting the product sit in her hair for a few moments, she rinsed it out.

Everyone’s hair is different, and for her, the best time to use the product was when she showered in the morning. Despite preferring to shower in the evening, she decided to get up early to ensure the best results from using Wen by Chaz. Though her hair didn’t hold curls as well as it did before she started using the product, she had expected that as her hair got softer; soft hair simply doesn’t hold curls well.

Overall, this particular writer enjoyed her experience using the product, and promised herself that if she woke up early enough to use it, she would for that extra shine and softness. The extra compliments she had received also made it worth her while.

Visit info.



This entry was posted in Culture.

Which Firm Can Give My Company A Better Reputation Online?

Online reputation management is more than worrying about negative reviews on sites like Yelp, it about how your company is portrayed online. When considering a reputation management firm, look for one that understands that consumers considering a major purchase will look for information about your company on their favorite search engine. Are news reports and articles about your company flattering? If not, you need online reputation management so your potential customers are not deterred from buying from your company.

Firms such as Better Reputation understand that consumers get their first impression of your company by the information they see on Google. They do free reputation assessments so you can learn what damaging information is sending people to your competitors. Better Reputation is thorough in their assessment, since previous customers and former employees may post damaging content on social media or their personal blogs. The firm cannot remove the undesirable information, however, they can create new, positive content that will replace the harmful new stories and blog articles on the first page of search results when someone searches for information about your company. Very few consumers bother going beyond the first page of search results before they form an opinion of your brand.

Online reputation management firms also furnish services that help your company maintain its sterling reputation by publishing honest, favorable content about your businesses. It’s easy to recover from a bad review or disparaging news story when there is a great deal of advantageous content already published online. Positive content also helps you build your brand.

Sam Tabar’s Appointment to Schulte Roth and Zabel

Sam Tabar, the former head of capital introductions for the Asia- Pacific region at the Bank of America Corp’s Merrill Lynch and Co recently moved to Schulte Roth & Zabel LLP. At Schulte Roth, Sam Tabar will be responsible for the management of hedge funds under it. While working with the law firm, Sam Tabar will be in a position to expand the company’s relationship with other investors in Asia.

Schulte Roth & Zabel is a law firm primarily dedicated towards alternative investment funds. With it representing alternative investment funds, the firm has steadily increased interest from its clients in Asia. The Asia hedge fund industry is growing pretty fast and as a result, the levels of regulatory scrutiny is high and more stringent than before. Due to this, hedge funds are seeking the very best legal advice to ensure that they are working within the law to avoid prosecution.

Sam Tabar, a graduate of Columbia Law School and Oxford University, joined Merrill Lynch an investment banking firm in the year 2011 and had also worked at PMA Investment Advisors and Skadden, Arps, Slate, Meagher & Flom LLP. Sam Tabar’s vast experience and knowledge will come in handy as he leads the management and representation of hedge funds at Schulte Roth & Zabel, which has over 100 lawyers spread out in its various offices.

Schulte Roth has its offices in New York, Washington D.C, and London. The firm manages some of the biggest and largest hedge funds totaling to almost 100. The firm also represents 3,000 investment funds from across the globe. The firm has no plans to open an office in Asia and is only seeking to provide its services to the Asian market.

The Asian hedge funds have performed very well, and the Japan investment funds have reported returns of around 23 percent with the Chinese market reporting gains of 14 percent. The capital invested in the hedge funds total to $ 103.8 billion and is expected to rise.  Sam has given his tips before, but now his services will be called into a new level.  Contact Sam through Thumbtack.

Swiss Banker Mike Baur Founded A Company That Helps Young Entrepreneurs Become Successful

The secret world of Swiss banking has been a topic of conversations for decades. But the secret codes and transactions used by Swiss bankers are unraveling due to international pressure. Switzerland, once the haven for the rich and powerful that wanted to keep their fortunes away from tax collectors and the scrutiny of damaging investigations, is crumbling faster than anyone can say “Swiss cheese.” One man that is familiar with Swiss banking and all the mystery behind it is Mike Baur. Baur has been part of the Swiss banking system for more than 20 years. Baur worked for Clariden Leu, one of the secretive institutions that made a fortune handling money for people and businesses that wanted anonymity. Baur also worked as an equity transaction specialist for Sallfort before he founded his own company, Bainso.

Bainso is not a secret bank. The company may be the brainchild of a banker, but the main focus of Bainso is to work with startup companies that need help with operational and financial issues. Bainso gives young entrepreneurs strategies that can help them move to the next level in their chosen field of endeavor. Baur is not only a financial expert, but he is also an international businessman that understands how to survive and even make money when the economic atmosphere is not the best. Europe is experiencing a recession, and young business people need the help of experts like Mike Baur to deal with the weak euro and the migration issue. Baur has developed a plan to help young companies manage their assets and control their inventories during difficult as well as good times.

Read more:
Episode 13: Ten Ultimate Tips for Startups

Better together: accelerators from Zurich and Geneva join forces

Mike Baur is also one of the members of the Swiss Startup Factory. The Swiss Startup Factory also helps companies survive by offering them insightful mentoring, coaching and networking opportunities. Baur and the other members of the Swiss Startup Factory use a 3-month program that helps ambitious individuals with good ideas bring them to the international marketplace. The entrepreneurs that participate enroll in specific input sessions with Baur and others, and they learn about finance, networking, internal operations, and international rules and regulations.

The Swiss Startup Factory also holds tech summits so the young business people enrolled in the program can learn how to develop efficient project management programs and how to enter into smart contracts. The summit also introduces the need for data analytics, artificial intelligence, data security, and cloud technologies. These tech summits help young entrepreneurs look into the future and see the international trends developing, so they can take advantage of them, according to Baur. 

Learn more about Mike Baur:

Venezuelans Celebrate International African Week

This week in Venezuela was marked by music, artistry, and commerce as Venezuelan’s took to the streets to celebrate their African heritage. The celebration is aimed at changing the any prejudice toward the African culture and to educate and celebrate ethnic diversity. Organizers like Ms. Norka would like to free the minds of people still thinking of Afro-Venezuelan culture as a slave culture.
This event was covered by the latino show magazine a true group effort involving the Center for Free Africa Studies, Bolivarian University of Venezuela, Ministry for Women and Gender Equality. These and many other organizations are attempting to raise the importance of remembering and reinstalling the women’s role in Afro-Venezuelan culture.

Entertainment events for the week included: musical performers, poets, and public speakers. Traditional Afro-Venezuelan food, artists, and artisans selling traditional African wares such as jewelry and clothing were also present. All entertainment events and guest lecturers speaking events were open to the public.


This entry was posted in Social.

What Makes Shea Butter So Special?

Most people likely know that Shea Butter is excellent for the skin. It can be used as a moisturizer to keep skin smooth. It also has healing qualities, such as a remedy for irritations and burns. What might not be known is why Shea Butter is so great. Keep reading this blog to find out what properties it contains that make it so marvelous.

There is a tree in Africa unscientifically known as the Shea Tree. These trees produce a plethora of nuts. From the nuts comes an ivory-colored type of fat called a triglyceride. This fat is, in actuality, a combination of oleic acid and stearic acid which is extracted from the nuts. There are a number of steps involved in transforming this substance into the final product we all love and know as Shea Butter. Although many of these steps are performed by local African people, the shelling of the nuts is typically done by a machine.

It is possible people do not know that Shea Butter is also quite healthy, especially pertaining to the health of the skin. It provides a much-needed source of fatty acids. It is also naturally rich in proteins, vitamins, and minerals. It is no wonder that numerous cosmetics and skin cleansing products now feature it. In recent years even western countries are adopting the practice.

It is with great pride that fans of this highly sought after product are introduced to the creating company, EuGenia Shea. This is a family owned and run business, solely dedicated to the production of this miraculous substance. Where would today’s society be without it?

This company is proud to tell the world that everyone involved in the manufacturing and distribution of Shea Butter is treated with the highest level of ethics and respect. Not only that, but 15% of ALL profits are donated to the people of Ghana for an education fund. It is not too far-fetched to say that EuGenia Shea is the tree of life for the people of Ghana.

Sanjay Shah Shares Two Important Pieces Of Advice For Aspiring Entrepreneurs

In April 2016 Sanjay Shah, the Founder of Solo Capital and Autism Rocks, was featured on EPN’s Enterprise Radio. During the show, which is a platform where entrepreneurs can get advice and inspiration from other entrepreneurs, Shah freely shared insights on a variety of different topics including what it takes to become a successful business owner, what motivated him to start Autism Rocks, how and why he started Solo Capital, and what listeners can expect at the Autism Rocks charity concert in 2016.

Not only is Shah a respectable businessman, but he is also a very well known philanthropist. His charity organization Autism Rocks is dedicated to raising both awareness and funds to help with Autism research. Shah started Autism Rocks after discovering his son suffered from the disorder. Shah is also the brains behind Solo Capital, one of the top brokerage firms in London.

During the interview with Eric Dye from the Entrepreneurial Podcast Network, Shah shared two very important pieces of advice for anyone who wants to start a successful business. The first piece of advice is to never underestimate the amount of money you will need to get started. The second piece of advice is to avoid trying to do all the work yourself.

One thing you will quickly notice about Shah is how much he loves his family and music. He combined these two passions with his entrepreneurial spirit and came up with the perfect way to raise money and awareness for Autism research. This year, 2016, the Autism Rocks charity concert featured some pretty big artists including Tyga and Flo Rida.

To learn more about Autism Rocks visit their official website at

About Sanjay Shah

Sanjay Shah is the man behind Solo Capital and Autism Rocks. He is a very astute businessman and has had a very successful career in the world of business. One of the projects he is most proud of his Autism Rocks charity concerts that he has been putting on for the last couple of years.

The goal of the concerts is to help raise as much money and awareness as possible for Autism research. By having the bright idea to partner with the music industry, Shah has been able to raise thousands of dollars to help fund Autism research.

Learn more about Sanjay Shah :

The Success of Dick DeVos

Dick DeVos is one of the most influential individual in the United States. With a net worth of over 5.1 billion dollars, Dick DeVos was even on the Forbes’ list for the richest individuals in the world. Dick DeVos‘ success comes from not only his love for business, but also his talent in leadership roles. One of the most successful roles that he has played in the business world is as the CEO of his family’s company from 1993 to 2002. As CEO, Mr. DeVos helped to develop the company of Amway Corporation even further with the overall goal of making his father, the founder of the company, a proud father.

Dick DeVos and his wife Betsy are residents of Michigan. Michigan is where Dick DeVos was born and raised and where Dick DeVos spends most of his time. As an influential and wealthy individual, Dick DeVos has made sure to give back to his community through the millions of dollars of donations to charities and organizations. One of Dick DeVos’ favorite organizations to donate to is that of education reform. Mr. DeVos and Betsy DeVos are strong believers that education is a privilege that should be given to individuals based around merit and not around family income. Over several years, the DeVos family has donated millions of dollars towards not only scholarships, but also towards building new schools to improve education.

Dick DeVos’ love for business came directly from his father who build Amway Corporation from the basement of their home. Dick DeVos has always associated the family business with home which led to Mr. DeVos eventually earning a degree in business management. As a young man starting out, Mr. DeVos was able to secure himself a job at Amway Corporation and was later able to climb up to ladder to success. Mr. DeVos, before becoming the CEO of the company, held many positions within the company, in all different sectors of the company.

With many decades dedicated to business, Dick DeVos has decided to step back to enjoy spending time with his family, as well as to spend more time with philanthropy. As a replacement or as his successor, Dick DeVos has named Phil Dolci, a distinguished individual with over 20 years of experience in the business world. Mr. DeVos believes that Mr. Dolci is the perfect fit for the job as he is not only a marketer, but also a leader.

Wen a one size fits most haircare product

Emily Mcclure surrendered her luscious locks to a week long test by reviewing Wen By Chaz Dean. A one size fits…most hair care product. It is essentially a cleansing conditioner without the suds of your regular shampoo. Depending on the length of your hair you use anywhere from 10 to 32 pumps of the cream cleanser. Apply it to your scalp and work it down to the ends of your hair. From day one to day seven her hair pretty much stayed the same as the first day that she used it. Soft and shiny in the morning after “washing” and little limp and slightly greasy by the next morning before washing it again. If Emily curled her hair she did notice that her hair didn’t hold the curl as well. She submitted her review to Bustle a site run by women for women. Results can also be accessed via
In 2008, according to, Wen by Chaz Dean, a Los Angeles, CA local who owns his own salon, released his new revolutionary hair product. Since then it has sold over 10 million haircare products since its release. Chaz’ philosophy has been to create all natural products for his customers and in his salon. They are not shampoos but rather cleansing conditioners that come in 13 different fragrances. It is believed that it is a one stop shop for all hair types. Wen was designed to be a 5 in 1 product replacing your shampoo, conditioner, deep conditioner, detangler and leave in conditioner. Wen can be ordered online from their product page.