Friday, November 25, 2011

Insurance Continuing Education - Major Medical Contracts

The following text is typical of the language and provisions used on the first page of the Major Medical policy.  Much of this information is required by state regulations and may vary by state.


(NOTE:  In most, if not all, jurisdictions, the copy of the Application becomes part of the insurance contract/policy, again stressing the necessity of complete and accurate information on the Application)
Please carefully read the copy of your application attached to this Contract and notify Your Insurance Company, Inc. within 10 days if any information on it is incorrect or incomplete, or if any past medical history has been left out of the application.  Your application is a part of your Contract, which has been issued on the basis that the answers to all questions and all information shown on the application are correct and complete.
This Contract Contains a Deductible Provision
(This statement required in most jurisdictions when applicable
(The following is the Identification section, and while the format may vary by company, it is the minimum required in most jurisdictions)

During the terms of this Contract, Your Insurance Company agrees to provide to covered individuals the health insurance benefits specifically provided in this Contract, subject to all the terms, conditions, limitations, and exclusions.
(The following refund statement or one very similar is used in used in most states, but this "10-day – no questions asked" provision is the most typical)



This provision allows the company to cancel according to the provisions contained in the contract, but most states require that a statement of this type be on the first page.

This Contract will stay in effect as long as you remain eligible for coverage and you pay your Premiums on time, This Contract can be canceled if you have made a Fraudulent or Material Misrepresentation or omission on your application or we terminate the Contract for everyone covered by it.

We want you to understand and be satisfied with the terms of this Contract.  As you read through it, remember that the words "we", "us" and "our" refer to Your Insurance Company, Inc., the insurer (hereinafter referred to as YOUR INSURANCE COMPANY).  We use the words "you" and "your" to mean you, the Insured and your Covered Dependents.

We have issued this Contract in return for the completed application (which is made a part of this Contract) and initial Premium payment.

(NOTE:  The above typically completes the first page of the contract.  In some states, if a company is marketing their health insurance policies from an out-of-state trust (ERISA account), thereby removing or restricting the authority of the Department of Insurance to act in regards to that policy, some notification may be required.  One state requires a statement to appear in red ink on the first page, which states essentially that the provisions of that policy are under the jurisdiction of another state other than the one in which the policy is issued.  )

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Tuesday, November 15, 2011

Fostering Innovation With Healthcare Continuing Education

Knowledge and practices in the healthcare domain evolve continuously. According to industry experts James Morrison, E. James Kelley and Carl Lindsay, approximately 50 percent of the knowledge obtained in medical school becomes obsolete in five years. Due to this nature of the job, healthcare continuing education becomes imperative for medical professionals, particularly doctors, nurses and dentists. In fact, patients' well-being and lives often depend on these professionals keeping abreast with the advances.

Benefits of Healthcare Continuing Education

Healthcare continuing education, besides enabling maintenance of competence, allows skill enhancement without committing too much on time. Besides, you also have the flexibility in choosing the course or curriculum that captures your interest; or what you believe is most pertinent to your current expertise.

Other key benefits of continuing learning are:

1.Training by industry leaders: Content for continuing education programs are developed and delivered by experts.

2.Diverse education modes: Classes are delivered as live events, online programs, written publications, audio, video and other electronic media.

3.Flexible curriculum: Full discretion to choose subjects that are not directly linked to your field.

Therefore, besides honing your specialization, you can gain a perspective on other related fields as well. These additional skills can help you undertake wider responsibilities.

4.Facilitates networking: Healthcare continuing classes enables you to meet other professionals from your field and expand your network. Also, you get ample opportunities to attend workshops and conferences, bringing you in direct contact with pioneers.

Hence, the benefits of continuing education do not stop in the classroom.

Most importantly, many states in the United States mandate healthcare continuing education for medical professionals for maintaining their licenses. For instance, Arizona requires professionals need to have around 40 hours of continuing education every two years.

To enroll in a superior healthcare education program, visit The site offers a diverse range of healthcare courses, from nursing and medical billing to radiology dentistry. Besides saving on time you also obtain reasonably priced and highly interactive medical course credits. The aim at Certification Plus is "to take the sometimes challenging course material and dispense it in a varied, easy to retain manner."

Wednesday, November 9, 2011

Dental Continuing Education - A Normal Part of the Job

No professional career is ever complete. Getting dental continuing education is merely a part of the job that you are required to do. Every different state has different rules for the continuing education, so it is important that you become aware of what you need when you seek out your licensing for the first time. The continuing education will likely be discussed in your original training, and will also be reaffirmed from time to time by your state board and/or the ADA, depending on where you live and what the requirements are.

Taking the time to get dental continuing education can prove to be a challenging task when you've got a full time job and a life outside of your career. The best thing about CE requirements is that aside from tools training and procedure updates, all the training that you need can be done online nowadays. That means less making time for training and more time enjoying your life outside of work.

You'll be able to complete almost every continuing education program from the comfort of home or wherever you are without having to spend as much on the course itself or travel and time off work that was once required for continuing education training.

Dental continuing education is nothing special. The purpose of it is to keep everyone up to date and to keep information current. In something as important as dentistry, you can never have too much outdated information because that could be detrimental to your work and practice in many different ways. If you take the time to check out what your specific dental CE requirements are, you might be surprised to learn that it's fairly simple to complete in the allotted time that you are given.

Although the requirements vary by state, you're not required to complete so much continuing education that it is overwhelming.

You'll only need enough dental CE to keep you informed. In a couple of states, it's not even required at all. However, as a professional that is striving for success, you'll likely want to do whatever it takes to get all the training that can improve your career and give you much better chances for success in the long run. Keep these things in mind when you're in the market for continuing education and you'll have no troubles getting exactly what you want and need from your CE courses.

Monday, November 7, 2011

Psychology Continuing Education: What You Should Know

When it comes to psychology, continuing education is the name of the game. For many professions, you learn everything you need to know in school. After graduation, you may be surprised at how little you need even that. In other fields, what you learn on the job is far more important than the theory you picked up in college. For the soft sciences, however, it is a combination of both. Not only must your theory and fundamental background be firm, you must be able to seek out and assimilate any new knowledge that advances your understanding. For psychologists, this is not just good advice; it is a requirement to remain licensed.

As you might expect, psychology continuing education requirements vary from state to state. Some states have very few requirements in place and more or less allow the doctor to choose their place of accreditation. Other states have stringent requirements and insist that individuals choose from their acceptable learning materials. If you're planning to practice and be licensed in a state, you need to keep up with those requirements. They may be very different than the ones where you came from.

In addition to placing varying demands on the amount of credits you must obtain in a period, state licensing boards have different requirements when it comes to the type of courses you may take. It's not uncommon for a state to have its pet issues that it feels are important. For instance, in Florida you'll find the state requires more domestic violence training for its psychologists. Other states may require more drug abuse training.

One good thing about going into the field now is that you'll have more choices and flexibility than ever before when it comes to deciding where to complete your psychology continuing education. Online classes, workshops, and multimedia presentations open up another world of possibilities. There are still plenty of real life opportunities as well, for those who learn better in a classroom environment.

One final note: keep your records straight. It's not uncommon for a person to take credits, lose the paperwork, and find out that those credits won't be counted towards their psychology continuing education requirements. Don't let this happen to you. Keep your paperwork in a secure place and make sure everything is well organized. Don't ever depend on the learning institution to take care of it for you. If they do live up to their promises, so much the better. If they don't, you have the backup.

Wednesday, November 2, 2011

Expand Your Knowledge And Job Skills With Continuing Education

Did you know that Continuing Education was actually deemed by researches more of a necessity and less of an option in today's workplace? Therefore, employees are encouraged to participate in continuing education courses to simply keep up with their areas of expertise, which, in most professions, are developing due to technological advances and other such leaps. However, Continuing Education isn't just for those who are already working in their desired position, this part-time option is also suitable for those who are not able to attend college on a full-time basis due to other priorities.

So where can you find a reliable School of Continuing Education? Look no further than Toronto's own Centennial College. With nearly 22,000 learners each year in 160 programs that feature more than 1,200 courses and have a 97 per cent learner satisfaction, it is clear that Centennial College has an amazing grasp on what students look for from their continuing education option. The school's learner-centred teaching methodologies, mature environment and the understanding of the needs of adult learners by experienced faculty are just a few of the reasons why this School of Continuing Education is so successful.

With the many program options at Centennial College's School of Continuing Education, there are varying prerequisites. Also, please be advised that within certain programs there may be qualification requirements and costs for external accreditations, designations, certifications or recognitions. These are set by the granting bodies and not by Centennial College. In order to qualify for any of those external accreditations, designations, certification or recognition, students and graduates will need to follow the processes and meet the applicable requirements listed on the websites and materials of those external bodies. You'll be able to find more information about this when you apply online for the Continuing Education program of your choice.

Centennial College's School of Continuing Education allows you to take on your area of interest through formats such as part-time, evening, weekend, online and alternative courses. Whether you want to improve your skills, further your education or just pursue a topic that interests you, all courses are designed to be convenient to your specific needs. For example, you may choose to study in the school's fully equipped facilities on evenings and weekends. This will see you learning into a classroom setting, where practical hands-on knowledge is provided through group projects, presentations and labs. If, however, this doesn't appeal to you, you can opt for the School of Continuing Education's Distance Learning feature, which allows you to learn online from your personal computer, whenever is convenient for you. This type of learning is designed for a more independent learner. However, all Continuing Education options have one thing in common: They get you results.