“Drivers should choose wisely between sticking to liability only coverage or going full coverage. Check our website for more info and free quotes”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 13, 2019

Compare-autoinsurance.org (http://compare-autoinsurance.org/) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money-saving tips.

When it comes to car insurance, drivers have to choose between liability only or full coverage. In some cases, their decision does not depend solely on them. Full coverage is optional only if the policyholder owns the car. The holder of the car loan will require full coverage to the extent the policyholder owes on the car.

Liability provides coverage to other people for their injuries and property damaged sustained during an accident caused by the policyholder. Basically, it covers the victims of the policyholder’s wrongdoings. This policy is also referred to as “third-party coverage”. Without liability coverage, the policyholder will have to pay for everything from his own finances. Most insurance companies split liability coverage into two main components:

Bodily Injury. It includes medical bills, lost wages and other costs related to treating physical and psychological traumas. Bodily Injury is represented in contracts with 2 different numbers ($50.000/$100.000), which represent the maximum amount the insurer will pay out per person and the maximum amount paid for the entire accident.

Property damage. It includes the costs of repairing a car that has been damaged by the policyholder. It is usually the third number from the liability coverage limits (($50.000/$100.000/$50.000)

Full coverage extends the basic protection offered by liability only. Unlike liability coverage, full coverage will also cover the costs of repairing the policyholder’s car, no matter who caused the accident. Full coverage provides the following policies:

• 
  Comprehensive coverage. It covers damage caused by other factors than a collision. If the car is damaged by extreme weather, objects or debris falling from the sky, animal attacks, riots, comprehensive will cover it. Furthermore, comprehensive car insurance also covers car theft.
• Collision coverage. If the car is damaged during a collision with another vehicle or structure, this portion of the auto insurance will reimburse the driver. It also covers cases when the owner flips over his car and damages it.

Additionally, clients can access:

• Roadside assistance. A team of experts will provide the following services: jumpstarting the car’s battery, delivering fuel, towing the car or locking/unlocking services.
• Rental coverage. Covers the cost of renting a new car while the covered one is in service.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org.

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“Auto insurance is the first line of defense when a person causes an accident. Without insurance, you are exposed to huge financial debts and legal consequences”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 13, 2019

Cheapquotesautoinsurance.com (http://cheapquotesautoinsurance.com) is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website offers car insurance info about different coverage types and money-saving tips.

• 
  For some drivers, paying car insurance may seem an unnecessary financial burden. A driver who was never involved in an accident and never filed a claim may consider this service useless. Paying month after month and getting nothing in return may leave these drivers wondering what’s really the purpose of car insurance.
• Nobody should deny the importance of being covered. If nothing happened to a driver, this does not mean that he does not need this service. Nobody can predict the next accident. Causing an accident while driving uninsured will have multiple negative consequences. Even if that person was the victim, not carrying insurance will limit his claims.
• Car insurance is used primarily for financial protection. Even when carrying liability-only coverage, the policyholder is protected. If he causes an accident, the liability coverage will reimburse for medical bills and car repairs. This also protects the policyholder from lawsuits, paying everything from his own pockets and even jail time.
• Purchasing high levels of liability coverage is a wise decision, considering the medical and car repair expenses. In the case of serious accidents, the minimum liability coverage will not be enough. The policyholder will have to pay the difference from his own finances.
• Full coverage will reimburse the policyholder for the damage his car has sustained. Full coverage includes comprehensive and collision coverage, plus additional services (rental and roadside assistance). They reimburse the policyholder if he is involved in a collision or the car is damaged by factors not related to an accident (extreme weather, objects/debris falling from the sky, rampaging animals). Comprehensive coverage also reimburses the policyholder if his car is stolen. Full coverage becomes optional after the policyholder owns the car. The holder of the car loan will require full coverage to the extent the policyholder owes on the car.
• Commercial car insurance is used to protect the assets and financial interests of a company. Companies that use vehicles in their financial activities should buy adequate commercial coverage. Unlike personal car insurance, commercial coverage has higher coverage limits, provides protection to the cargo and drivers and can insure a fleet of vehicles.

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://cheapquotesautoinsurance.com

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The results of our latest research project highlight the aspects of work that most influence a driver’s decision to refer their carrier to another driver.

SOUTH BEND, Ind. (PRWEB)
November 13, 2019

Stay Metrics, the leading provider of driver retention tools for motor carriers, announces new research identifying the top 5 reasons why drivers will make referrals within the first 90 days on the job.

“Attracting new drivers is difficult across the trucking industry, making referrals from current drivers more important than ever,” said Allyson Smith, a Stay Metrics data analyst who compiled the list. “The results of our latest research project highlight the aspects of work that most influence a driver’s decision to refer their carrier to another driver.”

To create the report, Stay Metrics analyzed responses from all questions in the Early Experiences Survey, one of several driver lifecycle survey products the company administers for trucking clients using its Stay Ahead™ platform.

Driver responses to the survey questions were compared to their Net Promoter Score (NPS)®, a measurement of company loyalty that directly asks how likely they are to recommend their carrier.

The top 5 questions identified as having the most influence on drivers’ willingness to recommend their carrier (or not) came from responses to “How satisfied are you with…”:

1. The compensation you receive from your carrier?

2. Your carrier’s wait time/detention pay?

3. The number of miles you typically drive in a week?

4. Your communication with your carrier?

5. Your level of work-related stress?

The first three questions relate to pay issues. The fourth and fifth relate to the impact of communication on a driver’s work experience, explained Tim Hindes, Co-Founder and CEO of Stay Metrics.

“The way these three issues relate to one another suggests that the overall system of work and the communication that surrounds it are the main catalysts for drivers’ willingness to recommend their carriers,” he said. “Accurate communication by carriers, especially about pay, is essential to positively impact driver opinions.”

As part of the report, Stay Metrics also performed a word cloud analysis that identifies how often drivers mentioned specific words in their survey comments. The results further validate communication as a key factor in reducing the number of detractors (drivers who are not willing to recommend their carrier).

Anyone can review the full, free report on the Stay Metrics website, which reveals the top 5 reasons drivers recommend their carriers after 90 days, along with the best recommendations by Stay Metrics analysts for how to maximize results.

Motor carriers also can supplement driver recruiting and retention efforts with the recent Stay Metrics report, “The Top 5 Areas to Watch with New-to-You Drivers,” showing why drivers leave their carriers within the first 90 days.

About Stay Metrics

Stay Metrics is a retention strategy firm. We’re passionate about partnering with transportation companies to help them increase driver retention and commitment. Our Stay Ahead™ platform amplifies your driver feedback. It encompasses our suite of driver lifecycle surveys and the Stay Metrics Reportal; which includes intervention opportunities, customizable reporting tools, and comparative industry data. In addition, our Driver Rewards platform gives carriers a custom-branded tool to sustain a driver-centric culture based on ongoing appreciation and engagement. The Stay Metrics’ team provides ongoing advice, insights, best-practice ideas, and industry-based research that supports our clients’ ongoing continuous improvement initiatives.

Stay Ahead of driver turnover. Stay Ahead of your competition. Stay Ahead with Stay Metrics.

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LaMar Williams, Executive Vice President of MC-Rx, is calling for reform in the PBM world when it comes to DIR fees.

“It is simply not a good business practice to impose DIR fees on pharmacies without fair negotiation and open disclosure.”

GAINESVILLE, Ga. (PRWEB)
November 12, 2019

As more independent pharmacies close or file for bankruptcy across the U.S., industry experts are looking for ways to improve, standardize and make transparent DIR fee calculations as a means to boost pharmacy solvency, particularly in urban and small rural towns, which are being hit the hardest by closures. “It is simply not a good business practice to impose DIR fees on pharmacies without fair negotiation and open disclosure,” said LaMar Williams of MC-Rx, a Pharmacy Benefit Manager (PBM) that is calling for reforms. “PBMs are benefiting from these fees, while out-of-pocket costs for prescription drugs continue to go up. Reform and open disclosure will allow pharmacies to measure and manage the DIR fees and better gauge which PBM network they prefer.”

Direct and Indirect Remuneration (DIR) represents any money that a Medicare Part D plan that a PBM may collect to offset member costs, including discounts, rebates, coupons, etc. Initially, this was done via a reconciliation between the claim and the negotiated price, or when a pharmacy would pay the PBM in order to participate in a preferred network – a “pay to play” scenario. However, PBMs have begun expanding DIR fees for commercial plans too. DIR fees can be assessed in multiple forms, often unknown to the dispensing pharmacy that is forced to pay PBMs any assessed and arbitrary DIR fee.

According to a report in the Journal of the American Medical Association (JAMA), “one in eight pharmacies had closed between 2009 and 2015, which disproportionately affected independent pharmacies and low-income neighborhoods [1].” The same report noted that improvement strategies should include the consideration of “payment reforms, including increases in pharmacy reimbursement rates for Medicaid and Medicare prescriptions,” which experts agree is a complex process.

Frequently, the DIR fee is assessed on “pharmacy performance,” of which the parameters are unclear, and in many cases, the fee is more than the customer paid for the prescription, creating a scenario in which the pharmacy actually loses money on the transaction. There is currently no legal requirement for PBMs to share their formula for calculating DIR fees.    

A report issued by the Government Accounting Office (GAO) reported that in 2016, PBMs negotiated roughly $18 billion in rebates from drug makers for Medicare Part D plans and passed all but $74 million on to the plan sponsors [2]. The GAO reviewed 20 service agreements between Part D sponsors and PBMs and found the primary source of revenue for PBMs was the volume-based fee paid by plan sponsors based on the number of paid claims the PBM processed. The report found that none of the service agreements tied these fees to the price of a drug paid to the pharmacy.

The cost and use of prescription drugs is expected to continue to rise in the coming decades, as the number of older Americans increases and requires more medical treatment and medication. A report by the Senate Homeland Security and Governmental Affairs Committee found that, on average, prices for the 20 brand-name drugs that are prescribed most often for seniors have increased by 12 percent every year for the last five years [3].

“The unpredictability (of DIR fees) is crushing small, independent pharmacies because they’re losing profits and have no way of accurately planning their finances,” Williams said. “MC-Rx charges mere cents where other PBMs are charging dollars for these fees, and we include clear statements as to the amount and nature of those fees in the contract with the pharmacy provider. We believe that an open arrangement in which clients and pharmacy partners have access to full claim level reconciliation of their billing and payments is the best way to proceed for all parties in this delivery chain. This must become a standard practice in the PBM industry to protect and facilitate independent pharmacies.”

About MC-Rx

MC-Rx is a full-service Pharmacy Benefit Manager (PBM) with corporate offices in Gainesville, Georgia and Caguas, Puerto Rico, with focuses on transparency, best-in-class service, and offering clients “lowest net cost.” MC-Rx was formed by combining two URAC-certified, world class PBMs – ProCare Pharmacy Benefit Manager and mc-21. The ProCare companies were founded in 1988 with the vision of providing innovative computer software systems and services to various sectors of the healthcare industry. ProCare processed their first pharmacy claim in 1994 using their proprietary, internally developed and managed systems, and expanded in 1998 to full-service pharmacy benefit management through the acquisition of NextGen PBM. Today, the ProCare companies also include two affiliated mail order and specialty pharmacies, ProCare PharmacyCare, and are one of only four PBM providers that own all of their component systems. MC-Rx now provides comprehensive, industry-leading service to clients in Puerto Rico and the U.S. Visit http://www.mc-rx.com/.

1. “Assessment of Pharmacy Closures in the United States from 2009 Through 2015,” JAMA, October 21, 2019

2. “GAO Highlights,” Government Accounting Office, July 2019

3. “Manufactured Crisis; How Devastating Drug Price Increases Are Harming America’s Seniors,” US Senate Homeland Security & Governmental Affairs Committee, September 2017

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Rental properties are a popular way for people to generate income and are often an investment in their future.

LOS ANGELES (PRWEB)
November 12, 2019

Mercury Insurance (NYSE: MCY) announced today that it is offering landlord insurance in California to help protect people with rental properties. Landlord insurance covers the costs to repair rental properties if they’re damaged by fires, lightning, wind, hail and other covered losses, lost rental income while those properties are repaired, and liability and medical expenses that could arise from the ownership or use of a rental property.

“Rental properties are a popular way for people to generate income and are often an investment in their future,” said Jane Li, Mercury Insurance’s director of product management. “It’s Mercury’s goal to help landlord policyholders guard their properties and financial assets.”

Mercury policyholders may qualify for a number of discounts to combine with their landlord coverage, including but not limited to multi-policy discount, property manager discount, and renters insurance discount. Additional landlord insurance coverage options include:

• 
  Short-term home-sharing endorsement that provides coverage for properties listed through companies such as Airbnb or VRBO.
• Coverage provided for the landlord’s personal items within the rental property, such as appliances.
• Repairs for service lines on the rental property.
• Protection for a wide range of critical home systems, appliances and electronics.

Mercury’s landlord insurance protects property owners who lease out single-family homes, duplexes, triplexes and fourplexes against financial losses resulting from damage to the residence.

Visit Mercury’s website to learn more about Landlord Insurance.

About Mercury Insurance

Mercury Insurance (MCY) is a multiple-line insurance organization predominantly offering personal automobile, homeowners and commercial insurance through a network of independent agents in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Since 1962, Mercury has specialized in offering quality insurance at affordable prices. For more information visit http://www.mercuryinsurance.com or Facebook and follow the company on Twitter.

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“Breaking Up is Hard to Do: Separating from Your Employer without the Drama”

This webinar will provide valuable information for physicians who may wish to separate from an employer either now or in the future.

ROSLYN, N.Y. (PRWEB)
November 12, 2019

Physicians’ Reciprocal Insurers (PRI), a New York State medical malpractice insurer, is pleased to announce an upcoming webinar on “Breaking Up is Hard to Do: Separating from Your Employer without the Drama”.

Presented in partnership with Frier Levitt, a national healthcare law firm, this webinar will provide valuable information for physicians who may wish to separate from an employer either now or in the future. Knowing what to expect and understanding the legal ramifications of employment contracts can provide insights and practical advice to minimize the impact on your business.

The webinar will be hosted by John E. Morrone, Esq., a Partner with the law firm. Mr. Morrone’s focus at the practice is on transactional and regulatory healthcare law. He writes and speaks extensively on healthcare legal matters and is a regular source of information for news outlets on healthcare topics, such as Bloomberg Business. In this webinar, he will discuss exiting employment contracts and re-entering private practice with minimal disruption. The webinar will include discussions on:

• Legal implications of exiting employment contracts
• Escaping the non-compete
• Managing non-solicitation provisions
• Preserving the physician-patient relationship
• How to avoid common missteps and minimize the impact on your business

This free webinar will take place on Thursday, November 14, from 2-3 p.m. To register for this event please use this Registration Link. For additional information, please contact Katherine E. Guglielmo, Marketing Coordinator at (973) 618-1660, email: kguglielmo@frierlevitt.com.

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The collaboration between Capital Regions and AIA is already well established. We look forward to these two firms continuing to grow together.

DEERFIELD, Ill. (PRWEB)
November 12, 2019

Alera Group, a national employee benefits, property and casualty, risk management and wealth management firm, today announced that it has acquired Capital Region Benefits, effective November 1, 2019.

Capital Region Benefits, an independent insurance agency located in Camp Hill, Pennsylvania, has provided group benefit insurance services to Central Pennsylvania employers since 2004. Capital Region Benefits also provides health reimbursement arrangement (HRA) and COBRA administrative services to both employers and other broker partners and is the national third-party administrator for VBA, a Pittsburgh-based non-profit vision preferred provider organization that delivers cost contained group vision benefits.

“We are excited to welcome the Capital Region Benefits team, led by Diane Barber, to Alera Group,” said Alan Levitz, CEO of Alera Group. “The collaboration between Capital Regions and AIA is already well established. We look forward to these two firms continuing to grow together.”

“As an Alera Group company, we look forward to providing more tailored resources and tools to our clients as part of their benefit plans,” said Diane Barber, President of Capital Region Benefits. “The combination of Alera Group’s national scope and our powerful local relationships positions us for continued growth and success.”

Capital Region Benefits joins Alera Group through AIA, Alera Group. The Capital Region Benefits employees will continue serving clients in their current roles. Terms of the transaction were not disclosed.

About Alera Group

Based in Deerfield, IL, Alera Group’s over 1,800 employees serve thousands of clients nationally in employee benefits, property and casualty, risk management and wealth management. Alera Group is one of the 20 largest independent insurance agencies in the country. For more information, visit http://www.aleragroup.com or follow Alera Group on Twitter: @AleraGroupUS.

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