What to Do If You Were Turned Down For Health Insurance

If you’ve been living without health insurance, you’re not alone. 15.9 percent of all Americans are uninsured as reported by the UHF (United Health Foundation). Sadly, sometimes even when people are trying to be financially and socially responsible they’ll find that they’re unable to qualify for a health insurance policy.

According to survey by U.S. Census Bureau, nearly 60 percent of the population gets health insurance in the form of group policies through their employer. There are other people who get covered by government-sponsored health care, such as children, the elderly, and those with low incomes. Until recently, however, those outside of these groups were largely at the mercy of the policies of for-profit insurance companies when it came to whether they could get coverage.

If initially turned down, ask again or apply with another insurance provider

If you find that you’re in this group that has difficulty getting coverage, the first thing you should do is to try to find out what happened. In some cases, you may be rejected due to an error on the part of the company. If the reasons for your rejection were minor, you may also still be able to get individual insurance through another company. However, if you have a major pre-existing condition such as Cancer or Diabetes, it’s unlikely that any insurance company will consider you a good risk and you’ll have to seek out other options.

State high risk health insurance pools as an option

It is for this reason that a national high-risk insurance pool will be created within 90 days following the passage of the March 2010 Health Care Reform Act for people with existing medical conditions. The pool is backed by $5 billion in federal subsidies, and will offer subsidized premiums to people who have been uninsured for at least six months and have medical problems that have resulted in their being rejected from other insurance options. In some cases these risk pools will be run through the state governments. Either way, the law says that these pools will remain available until the new health care reforms have fully taken effect in 2014.

Prior to this legislation, high risk pools were already available in 34 states and covered 183,000 citizens. From the perspective of someone who wants a policy, the important thing to note is that the quality of coverage offered can vary widely depending on the attitude and policies of the state offering them. Some states are just more generous than others in programs like this, and if you believe that you’re likely to need to use your health care policy regularly, it’ll be worth your while to get a sense of the kind of coverage that your state offers. You should also remember that even though you’ll already be paying higher premiums than a typical insurance plan, you’ll still have to make sure you have enough money in reserve to cover deductibles and co-payments or health care will be as unattainable to you as ever.

In extreme cases, if you find your state’s high risk pool to be a completely unacceptable option, you still have choices but none of them are easy. If you’ve been working at running your own business or at a small business, you may be able to get into a group plan if you can find employment at a large company. In an extreme case, if you know that another state offers a high risk pool option that would work for you, and you have the means to do it (such as family in that area), you could even consider relocating.

5 Tips To Help You Keep Your Conveyor Chains Operational

Conveyor chains are used to drive different types of conveyor units and use different types of power transmission. If you want to get the most out of your equipment, make sure you maintain them. This is even more important if they are installed in the mining and construction industry. Given below are a few tips that can help you ensure your conveyor chains will continue to work properly.

1. Follow the Maintenance Schedule

First of all, you may want to inspect and service them to ensure proper alignment, lubrication and tension. If inspected on a regular basis, they can last up to 15,000 hours. It’s better if you schedule filter and oil changes every 3 months. On the other hand, the cleaning of bigger parts, such as shafts, machine lubrication and replacement of damaged or worn sprockets and sideplats should be done on an annual basis.

Following the maintenance schedule is paramount, especially if you have installed the conveyor chains in the construction and mining industry.

2. Lubricate Wisely

For smooth operation, conveyor drives and chains should be free of moisture and dust. Most of these systems require petroleum-based oil. It’s not a good idea to opt for heavy greases and heavy oils. The reason is that they are overly stiff and can’t lubricate the system properly. Given below are some common ways of lubricating the conveyor chains. Some of them are listed below:

Stream lubrication
Disk lubrication
Drip lubrication
Manual lubrication

Based on the power and chain speed, the right method can be used. For reducing wear and tear and enjoying all the benefits, it’s important that you lubricate the system properly.

3. Get Heat-Treated Parts

Heat treatment can be used to improve the mechanical components. Therefore, manufacturers control the treatment methods for best results. In other words, to reduce wear and tear, it’s important to perform proper heat treatment.

Case hardness and depth are the two primary parts of component heat transfer. This plays a great role as far as resistance and durability is concerned. If the depth is too much, the parts may break while working due to brittleness.

4. Make sure there is Proper Alignment and Tension

Make sure you check the slack span and chain tension, and perform the required maintenance. If you need to reduce the tension, you can eliminate two pitches and then connect the chain again. However, you may need to replace the entire chain if the wear and tear goes beyond the functional limits.

Also, you may not want to connect new chains to the worn one as it can damage the drive. Misaligned sprockets can also cause the link plates of the roller chain to get a lot of wear and tear.

5. Check the Primary Parts

Typically, conveyor chains have two main parts that go through wear and tear: sprockets and chain. Chain stretching happens due to this very reason and results in the complete replacement of the sprockets and chain.

Therefore, you should inspect conveyor chains for any broken parts, deformation and cracks.

In short, these are the tips you can follow to maintain your roller chains.

5 Benefits Listing Your Business in Internet Directories

You can enjoy a lot of benefits if you have your business listed in an internet directory, such as Top5Biz.com. In fact, the more directories you use the greater number of benefits you can enjoy. Given below are some of the prominent benefits of using these directories. Read on to find out more.

Exposure

We know that proper exposure is required for all types of businesses. The more exposure your business gets, the higher number of visitors will know about your products or services. On the other hand, if your prospective customers can’t find your site, they won’t be able to buy your products or services.

By listing your business website in these directories, you can get the exposure you need. As a matter of fact, a large number of people search these directories in order to find what they are looking for. Their goal is to look for a specific product or service.

Better Ranking

We know that better ranking is important for any website. If your website is indexed in many web directories, it will send a signal to search engine crawlers that your website is authentic. And this will help you get your website ranked on major search engines. As a result, you will be able to enjoy better rankings in major search engines.

These directors get your website ranked better and get the word out about your business. And this is a huge benefit.

Inexpensive Advertising

If you run a business, you know the importance of advertisement. The primary purpose of advertisement is to help clients find your business and know more about it. You may not have a big budget for your advertisement campaigns. This is where you can spend a little money and achieve the purpose by getting your website indexed in internet directories.

Unlike the conventional advertising, business directories are much affordable. Therefore, they can help you save tons of money on advertisement.

Professional Opinion

If you want your business to look professional in the eyes of your visitors, we suggest that you try internet directories. This will help you improve your business status. In other words, this technique will help you make buyers have a professional opinion about your business.

Once your site is listed in these directories, it will look as professional as the top business enterprises out there. Aside from this, your website will be considered an authority in the niche. As a result, you will be able to get more and more customers and clients.

Search Engine Optimization

Internet directories offer another great benefit, which is called search engine optimization. Basically, these directories allow you to get a lot of inbound links. When a visitor finds your site in the directory, they will click he link and get directed to your website. So, this is an effective way of getting a lot of traffic.