New Jersey Insurance – Sun National Bank Center Fri, 11 Jun 2021 22:44:25 +0000 en-US hourly 1 New Jersey Insurance – Sun National Bank Center 32 32 Household, education levels, insurance factor in the vaccination rate, according to a study Fri, 11 Jun 2021 20:00:31 +0000

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Across the country, people of color are contracting and dying from COVID-19 in higher rates than whites throughout the pandemic. As the country enters its fifth month of vaccine deployment, data shows racial disparities in vaccinations are a problem.

New research from GoodRX suggests other models of iniquity: among single-parent households, education levels, insurance status and households without Internet access.

Low income communities delay in vaccination, according to federal data from the Census Bureau’s Household Pulse Survey.

Adults with household income below $ 50,000 continued to have immunization rates below the national average, while adults with household income above $ 50,000 have immunization rates above the national average. national average.

Households with incomes of $ 100,000 or more had vaccination rates nearly double those of adults with incomes below $ 25,000 in the first half of March.

States with higher median household income tended to have higher vaccination rates overall, according to GoodRX analysis.

For example, in Nevada, where the median household income hovers around $ 60,365, only about 43% of the total population has been fully immunized. In contrast, the median household income in Maryland, Connecticut, and New Jersey is over $ 70,000 and vaccination rates are high.

GoodRX research indicated other disparities for people without access to a reliable Internet, the support of a partner or the privilege of having access to higher education.

“Many focus on the vaccine reluctance and the political factors behind the reluctance, but we also need to pay attention to the privilege of accessing a vaccine,” writes Tori Marsh, GoodRX drug pricing researcher.

States with a higher proportion of single-parent households have lower immunization rates, including Nevada, according to GoodRX.

“Whether it’s having someone to help with child care, the complexities of balancing a family and a job plus other challenges in life, raising a child as a single parent. can make life more difficult. And these challenges can extend to finding time to enroll in a vaccine niche or queue at a mass vaccination site, ”Marsh writes.

States have relied on Internet access to schedule appointments and refer patients to vaccination centers. GoodRX found that states with a higher proportion of households without Internet access have lower immunization rates. In Nevada, about 16% of the population does not have access to a reliable Internet.

There are also disparities according to the level of education. Adults with a bachelor’s degree or above have the highest vaccination rate – 45% nationally. Adults without a high school diploma have the lowest vaccination rates at nearly 19%, according to census data.

States with a higher proportion of residents with a bachelor’s degree generally have higher vaccination rates, according to research from GoodRX. Vaccination rates in Massachusetts are one of the highest in the country at 57 percent and about 24 percent of residents have a bachelor’s degree. Nevada, on the other hand, has an overall vaccination rate of 43% and about 16% of residents have a bachelor’s degree.

Nevada has one of the highest uninsured rates in the country: 11% of residents are uninsured. Having medical insurance is a big factor in the state’s lower immunization rates, according to GoodRX. Conversely, in Massachusetts, about 3% of households are uninsured. lowest in the country while vaccination rates remain high at 57 percent.

“While residents without insurance have access to the COVID-19 vaccine, the lack of insurance status is a barrier that is bound to reducing preventive care in general, ”writes Marsh.

Vaccination rate data for the study used the CDC’s COVID Data Tracker. State-level percentages for single-family households, people with a bachelor’s degree, households without Internet, and uninsured rates used by the study were collected from the 2019 American Community Survey five-year estimates. .

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Success TMS turns tragedy into hope for those struggling with depression Fri, 11 Jun 2021 12:12:00 +0000

WEST PALM BEACH, Florida, June 11, 2021 / PRNewswire / – Success TMS, a leading provider of transcranial magnetic stimulation (TMS) treatments, continues to open new locations across the country, further expanding the reach of its depression treatment centers. Founding partner Jonathan Michel started the business following the loss of her sister to illness and has dedicated her life to helping others cope with her challenges. Michel remembers the company’s rapid growth over just 3 short years and is optimistic about the future of this non-invasive, FDA cleared process that is covered by major insurers.

Advanced treatment of depression with TMS has proven to be an ideal alternative to medication and has quickly become a preferred alternative for their patients with depression. Success TMS is now the 2nd largest TMS provider in the country, having grown at an impressive rate to 32 offices in 6 states, including Florida, Illinois, Pennsylvania, Wisconsin, New Jersey and Nevada. Success TMS covers current patients and potentially millions more with insurers such as Blue Cross Blue Shield, Aetna, Cigna, Humana, Medicare and more. This revolutionary therapy treats the symptoms of depression by stimulating areas of the brain that cause depression. The safe, FDA-approved treatment is drug-free and has no systemic side effects, and is often more effective than drugs.

Michel and Syrop founded the company just 3 years ago after the tragic loss of Jonathan’s sister Alex, who struggled for years with depression and committed suicide after trying other options and treatments. conventional. Jonathan comments “While overall mental health is often a case-by-case scenario, the treatment of depression in particular has been widely advertised as being best supported by medication, and that’s unfortunate. There are simply better alternatives that don’t involve prescription drugs and potentially dangerous methods like electroconvulsive therapy (ECT). ”Success TMS was born in Alex’s honor, and as new locations grew. open, Michel’s mission is to raise awareness, to break the stigma surrounding depression and subsequently its method of treatment. promote clarity around TMS technology, its benefits and ultimately the life-changing results.

In as little as 8 weeks and with approximately 20 minutes per session, TMS therapy has helped thousands of patients get back to life without the side effects of drugs and other dangerous technologies. Learn more about Success TMS and their regional offices at –

“My sister Alex committed suicide because the system failed her. That’s why we are providing the right care at the right time to our patients across the country. – Jonathan Michel, Founder of Success TMS

About Success TMS:
Success TMS is one of the largest and fastest growing providers of transcranial magnetic stimulation in the country, having helped thousands of people in their fight against depression. The process is FDA approved and is covered by major insurers. Their team is also available to answer any questions about the process and can help confirm insurance coverage. Learn more about Success TMS and their regional offices at –

Media contact:
Tammy Petersen
Wellness Marketing Ltd
[email protected]


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Avis Budget Group to Pay $ 10.1 Million to Settle False US Car Rental Surcharge Claims | USAO-NJ Thu, 10 Jun 2021 18:49:55 +0000

NEWARK, NJ – Avis Budget Group Inc. (Avis Budget), which includes its wholly-owned brands Avis Car Rental, Budget Car Rental and Payless Car Rental, will pay $ 10.1 million to resolve allegations that it violated the False Claims Act by overcharging in the United States for rental vehicles, acting U.S. lawyer Rachael A. Honig announced today.

According to the United States’ assertions in the settlement agreement:

Avis Budget has made false claims regarding obtaining payments under an agreement with the United States administered by the Department of Defense Travel Management Office. From January 1, 2014 to December 31, 2019, Avis Budget submitted false claims and received payment from the United States for additional ineligible car rental charges, including collision damage waiver / damage waiver; additional liability cover / additional liability insurance; personal accident insurance; personal belongings coverage / personal belongings protection; and late fees. In addition to being ineligible, some of the fees charged by Avis Budget were already included in the government rental rate.

Acting US Attorney Honig credited US Department of Defense Special Agents, Defense Criminal Investigation Service, Northeast Field Office, under the leadership of Special Agent in Charge Patrick J. Hegarty; the regional agent in charge of the New Jersey residents’ agency, Richard Monticello; Mitch Berry, regional officer responsible for the St. Louis Residents and Department of Defense Staff Agency, Defense Travel Management Office, under the direction of Director William R. Mansell Jr., with the investigation leading to the settlement.

The United States is represented by Assistant United States Attorney Mark C. Orlowski of the United States Attorney’s Government Anti-Fraud Unit in Newark.

The claims settled by this agreement are only allegations, and there has been no determination of liability.

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The new emergency policy of the insurance giant described as “dangerous” by critics. It indicates that up to 1 in 10 complaints could be rejected. Thu, 10 Jun 2021 00:56:15 +0000

Insurance giant UnitedHealthcare is cracking down on emergency room visits with a new policy effective July 1 that the American Hospital Association says will put patients’ health at risk and threaten them with financial penalties.

The American College of Emergency Physicians said it fears the change will prevent patients from using emergency rooms because they will be responsible for their hospital bills when UnitedHealthcare rejects them.

UnitedHealthcare this month told its network hospitals in 34 states, including Florida, that it would assess hospitalization requests to determine whether the visits were indeed medical emergencies.

Claims that are not related to emergencies will not be subject to any coverage or limited coverage based on the patient’s insurance plan, depending on the insurer’s notice sent to hospitals. Up to 1 in 10 claims could be dismissed, said Tracey Lempner, spokesperson for the Minnesota-based insurer.

UnitedHealthcare’s policy affects commercially insured patients with employer-sponsored plans and does not apply to patients on Medicare Advantage or who have Medicaid coverage with UnitedHealthcare, Lempner said.

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UnitedHealthcare in 2018 said it had more than 30 million Americans with business or employer-sponsored plans.

“If it is determined that the event is not an emergency, the claim will be paid based on the member’s benefits,” Lempner said, adding, “We estimate that nationally, less than 10% complaints (from the emergency department) will be classified as non-emerging through this program.

The policy will go into effect in 34 states and the District of Columbia, Lempner said. They are: Alabama, Arizona, Arkansas, Colorado, Connecticut, Washington, DC, Delaware, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Nebraska, Nevada, New Hampshire, New Jersey , New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin.

Medicare giant UnitedHealthcare is launching a project in Ohio that would pay pharmacists as healthcare providers – not just to dispense drugs.

National groups oppose

The policy applies to the hospital portion of emergency room care, so patients could be billed when the request is denied, said Laura Wooster, associate executive director of public affairs for the physicians’ organization. emergency based in Washington, DC

“If United don’t cover it then the patient will be hooked,” she said. “Looks like they’re not about to pay the (emergency doctor’s bill). We are trying to get more information on this.

She couldn’t say if other insurers would adopt a similar policy.

“I’m sure they’ll keep an eye on it,” she said.

This isn’t the first time insurers have adopted policies to deny claims from emergency rooms, often the most expensive source of medical care.

Indianapolis-based Anthem adopted a similar policy in 2018, which is on trial by the Emergency Physician Panel, she said. And UnitedHealthcare in 2018 began reducing ER claims when it determined the coding was inappropriate.

The American Hospital Association is calling on UnitedHealthcare to immediately reverse the new policy, President and CEO Richard Pollack said in a June 8 letter to the insurer.

The insurer’s parent company, UnitedHealth Group, earned $ 6.7 billion in the first quarter of the year, according to the hospital association.

“Patients are not medical experts and should not expect to be self-diagnosing during what they believe to be a medical emergency,” Pollack said in his letter. “Threatening patients with a financial penalty for making the wrong decision could have a deterrent effect on seeking emergency care.

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“It is dangerous to the health of patients at all times, but it is particularly dangerous in the midst of a public health emergency,” he said, referring to the COVID-19 pandemic.

“The UHC may think that inappropriate use of the emergency room is a widespread problem; however, there is limited evidence to support this view,” Pollack said.

UnitedHealthcare defends its policy

Lempner said unnecessary use of emergency rooms costs $ 32 billion a year and increases healthcare costs for everyone.

“We are taking steps to make care more affordable, encouraging people who do not have a medical emergency to seek treatment in a more appropriate setting, such as an emergency care center,” she said. declared.

“If one of our members receives emergency room care for a non-urgent problem, such as pink eye, we will reimburse the emergency facility according to the member’s benefit plan,” he said. she declared.

In the Notice to Hospitals, UnitedHealthcare states that emergency department claims will be assessed based on the problem presented by the patient, the intensity of diagnostic services performed, and other patient complicating factors and external causes.

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When claims are denied, hospitals can present evidence that an emergency room visit meets the definition of an emergency that meets the layman’s prudent standard, in the opinion of the insurer.

The National Emergency Physicians Group believes the new policy is in direct violation of the federal layman standard, according to a June 8 statement on UnitedHealthcare’s new policy.

Federal policy requires insurance companies to provide emergency room care coverage based on the symptoms that brought the patient to the emergency room and not the final diagnosis, according to the group of doctors.

“While we are appalled by United’s move, we are sadly not surprised that an insurance company is once again trying to cut costs at the expense of necessary patient care,” said Dr Mark Rosenberg, chairman of the group of emergency physicians, said in a statement.

“UnitedHealthcare expects patients to self-diagnose a potential medical emergency before seeing a doctor, and then punish them financially if they are wrong,” Rosenberg said.

According to the Centers for Disease Control and Prevention, 3% of emergency room visits are not urgent, the group of emergency doctors said.

Dr. Leon L. Haley Jr., Certified Emergency Physician, CEO of UF Health Jacksonville and Dean of UF College of Medicine & # x002013;  Jacksonville, is among the first in Florida to be vaccinated on Monday.

Dr. Leon L. Haley Jr., a certified emergency physician, CEO of UF Health Jacksonville and dean of UF College of Medicine – Jacksonville, is among the first in Florida to be vaccinated on Monday.

With 90% of symptoms overlapping between non-urgent and emerging conditions, in many cases even doctors can’t tell if a patient’s symptoms require emergency treatment without performing a full medical examination, said the group of doctors.

Lempner of UnitedHealthcare said the policy was in line with federal regulations and the layman’s standard.

UnitedHealthcare’s new policy is more damaging to patients than the one Anthem adopted in 2018 in many states, which has led the group of emergency physicians to take legal action against Anthem, which is still pending, said Wooster from the Doctors Group.

Anthem began denying payment for emergency services in a handful of states when the insurer decided the member was not facing an emergency. As a result, patients got stuck with the bills.

“They largely canceled it,” Wooster said. “They don’t apply it.”

This article originally appeared on Naples Daily News: UnitedHealthcare to assess emergency requests, stick patients with bills

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AGCS Introduces Global Aviation Claims Officer Wed, 09 Jun 2021 05:20:39 +0000

Allianz Global Corporate & Specialty (AGCS) has announced the promotion of Cristina Schoen to Global Aviation Claims Manager. Schoen was previously director of airline claims for the United States, a role she will retain in addition to her new one. In his new role, Schoen will report to Jim Turano, Regional Head of Long Tail Claims for North America, and Jörg Ahrens, Global Head of Key Case Management (Long Tail).

Schoen started her work at AGCS as a Senior Roofing Advisor and gradually moved into roles of increasing responsibility. Prior to joining Allianz, she headed the airline claims division of United States Aircraft Insurance Group and held partner positions in the law firms of Archer & Greiner PC and Sweeney & Sheehan, PC

Schoen has built a reputation as an expert in airline emergency response protocol from an insurer’s perspective. She frequently presents at aviation industry events and was recently a keynote speaker at America’s Claims Executive Leadership Forum. A lawyer, Schoen is licensed to practice before the state and federal courts of New York and New Jersey and the United States Supreme Court.

“We are delighted that Cristina has been recognized and honored for her deep expertise and rich accomplishments, both at AGCS North America and globally,” said Turano. “She is a true team leader and makes a value-added difference in everything she does.”

“I am extremely pleased to have Cristina, with all of her extensive expertise and industry connections, on the global key case management team. Said Ahrens. “This will be of great benefit to the global aviation community of AGCS. Together with Cristina, we will have a very experienced and recognized claims professional who will oversee the global claims portfolio, combining important local client functions with global strategic tasks.

“I am incredibly proud of Cristina and her contributions to the aviation team through her insightful and hands-on claims oversight,” said Dave Warfel, Regional Aviation Manager for North America for AGCS. “She brings enormous experience to the company and always goes above and beyond to support our customers. She most deserves these new global responsibilities, and her new role will bring tremendous value to our customers and business partners in all GATS regions.

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Teens Can Now Prepare To Drive With CHOP’s New Virtual Program Tue, 08 Jun 2021 19:25:24 +0000

The Children’s Hospital of Philadelphia is launching a new young driver program this summer to better prepare teens to drive safely.

Studies show that over 95% of novice driver crashes are due to driving error. In 2018, 2,121 people were killed in crashes involving a teenage driver, according to the National Highway Traffic Safety Administration.

This summer, the Virtual Driving Assessment System will be available at select CHOP primary care facilities in Pennsylvania and New Jersey with $ 4 million in funding from the NJM Insurance Group. The plan is for the program to be fully implemented at most of the CHOP Care Network sites over the next four years.

“This program is the first of its kind in the world and will be an exciting opportunity for novice drivers to participate in interactive and engaging virtual driving and assessment for safe driving,” said Dr. Flaura Winston, Founder and Scientist Director of the Center for Research and Injury Prevention at CHOP.

“Motor vehicle crashes are the leading killer of teenagers in the United States. With NJM’s support in this vital project, we can advance the safety of novice adolescent drivers and help reshape pediatric care for our adolescent patients. “

The Virtual Driving Assessment Program is a collaboration between the CHOP Care Network, the Center for Injury Research and Prevention and the Possibilities Project, which is reinventing the way CHOP delivers primary care.

“This new collaboration takes medicine beyond its traditional walls to improve adolescent health with a focus on driving,” said Dr. Lisa Biggs, Deputy Chief Medical Officer of CHOP. “Our adolescent patients and their families look to us for all other areas of health and wellness. With the virtual driving assessment, we can help them navigate safely and successfully through early driving. “

“In a risk-free virtual driving environment, teen drivers will be able to learn how well they can handle the common dangers associated with accidents and receive personalized feedback in real time to improve the essential proactive and reactive skills that drive them. will help build confidence and drive more safely once they’re actually on the road, ”said Dr Alex Fiks, director of the Center for Clinical Pediatric Clinical Effectiveness at CHOP.

NJM Insurance Group is also a strong advocate for safe teen driving. The auto insurer has its own safe driving program for teens, which includes Share the Keys, an initiative to increase parent involvement. Share the Keys was designed based on research conducted by the CHOP Injury Research Center.

“Providing teenage drivers and their parents with the tools to make better choices while driving is extremely important,” said NJM’s director of consumer safety. Violet Marrero.

“This project will help transform the way young adults are prepared to drive and is a strong complement to the Share the Keys program and our efforts to help teenage drivers develop safe driving habits during their formative years,” said she added.

The virtual driving assessment system uses Ready-Assess software developed by Diagnostic Driving, Inc., a Philadelphia-based technology company, a spin-off of CHOP. The software has been validated with more than 40,000 driving license applicants in partnership with the Ohio Department of Public Safety and is now integrated into the state’s driver education and training program.

The Virtual Driving Assessment Program is now available for teens at five CHOP Primary Care Centers in Pennsylvania: Flourtown, CHOP Philadelphia Campus, Chadds Ford, West Grove and Cobbs Creek. Also a site in Somers Point, NJ, too.

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In-N-Out doubles in Zurich pandemic blanket beef Tue, 08 Jun 2021 00:43:00 +0000 Eli Flesch Law360 provides free access to its coronavirus coverage to ensure that all members of the legal community have accurate information in this time of uncertainty and change. Use the form below to subscribe to one of our weekly newsletters. By subscribing …]]>