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Gretta Maycong

1 month ago

Coalition Against Insurance Fraud: Selling interstate invites scams

State oversight weakened, consumers vulnerable

 

I grew up in the Northeast, and now live in a Mid-Atlantic state. I understand Fall. The weather is crisp and the leaves turn colors. Happens every year.

 

Just like the leaves turning colors in the Fall, someone predictably come up with a supposedly great idea: let consumers buy health coverage from insurers across state lines.

 

The argument is always the same: Interstate sales increases competition and reduces costs for consumers. This sounds workable on paper. The latest go-around was raised in this past week’s presidential debate as the fall leaves tumbled — just like consumer protections.

 

Problem is, interstate sales open the door wide for fraud, and water down consumer protection. And, most people advocating this system usually don’t include important and necessary protections when pushing their interstate plans.

 

Yes, neighboring states can legally create partnerships that allow insurers to cover consumers in any state within the partnership. Yet partnerships have strict, built-in legal protections when states agree to work together. Insurance regulators know who’s doing business. Networks also offer consumers choices of doctors and facilities.

 

These protections and coverages may not exist under a blanket permit for consumers to buy coverage in any state.

 

Consumers don’t know what insurance regulator to reach for help. And would the regulator in the state where the consumer lives have much incentive to help if the health insurer is domiciled another state? Would the regulator where the insurer is domiciled help a consumer living in a different state?

 

We already see crooks peddling bogus health insurance to unsuspecting consumers and small businesses. This problem would be magnified if interstate sale of health insurance was allowed without strict and well-defined oversight.

 

Insurers must be state-licensed to do business in a given state. How can state oversight properly protect consumers if anyone can offer insurance to any consumer in any other state?

 

Who makes certain the insurer is solvent and can do business in another state? And, would an insurer in one state have an adequate network of doctors, hospitals and pharmacies to cover the health needs of consumers in another state?

 

These questions are raised every time interstate health-insurance sale is broached. Yet we never hear answers — just the simplistic nostrum that interstate sales will help reduce healthcare costs.

 

Don’t just spoon out more words like falling autumn leaves — prove that consumers would be better protected.

 

About the author: Howard Goldblatt is director of government affairs for the Coalition Against Insurance Fraud.

1 year ago

Your Biggest Source of Trouble and Anxiety

Meir Ezra - The biggest barrier to a successful career is not a lack of opportunities, the job market or your city. The greatest problem in business is not marketing, other companies or the economy. The greatest source of stress in life is not money or the weather or any physical thing.

 

The biggest source of business problems, career difficulties and personal stress is other people. Specifically, antisocial people—people who are devious, mean-spirited, cruel, hostile or negative. People who oppose you, treat you with disrespect and cause you trouble.

 

For example, one of the most famous antisocial personalities was Adolf Hitler. Hitler loved children and pets. He was a vegetarian who neither smoked nor drank. He was kind and considerate to the ladies, secretaries and chauffeurs. Most people thought he was a nice guy. You would never suspect he organized the deaths of millions of people.

 

Antisocial personalities can be doctors, lawyers, politicians, business leaders, police officers, newspaper reporters, employees, men, women, old, young . . . anyone. They can be family members, spouses and colleagues of any type. You probably know more than one antisocial person.

 

When the antisocial is openly nasty or critical of you, it is easy to see how they can ruin your life. What is worse are antisocial persons who hide their true intentions. These types are the most destructive as it’s hard to see who is stabbing you in the back.

 

When you handle an antisocial so he or she can no longer affect you, you feel great! You feel stable, more confident and in better control. Becoming a success is much, much easier.

1 year ago

About The Neto Group

The Neto Group, founded in 1940 by Mr. Meir Ezra, is one of the five leading food conglomerates in Israel. The group’s main goals are: to contribute from its extensive knowledge in product adaptation, saving time for its customers, staying on-trend with new market developments, providing value for money, keeping up with health and fitness trends, and most important satisfying its customer’s needs.

 

Neto activity originated as a meat importer, authorized by the British Mandate of Palestine. Over the years, the company has been busy developing new products, acquiring new companies and penetrating new areas of activity in order to adapt its products for the Israeli palate.

 

Today, Neto imports, produces, markets and distributes a wide variety of high quality kosher and tasty edible products. Neto does this mainly because of its great love for cooking, food, innovation, taste and style. The Group's main brands include:

Neto – The group’s primary brand.

Tibon Veal – The company’s meat brand, which includes import, local purchase processing, distribution and marketing of frozen, refrigerated, fresh and processed meat.

Delidag – Neto’s fish brand, which includes the import, local purchase, processing, distribution and marketing of frozen, fresh, live and smoked fish.

Williger – The canned food and grocery product brand, which includes canned tuna, canned fruits and vegetables, and groceries such as rice and pasta.

Three Bakers – Deals in frozen baked goods and the production, distribution and marketing of pizzas, and local products like bourekas, malawach, jachnun, pastries and more.

Magic – Manufacturing, importing, marketing and distribution of readymade meals.

Rich’s – Neto’s brand of whip creams and dairy products.

Bikorey Hasade Darom – Neto’s brand for the distribution and marketing of fresh fruits and vegetables.

 

The Neto Group’s headquarters, logistics center and a some of its plants are situated in the industrial area of Kiryat Malachi. The company has several other plants situated across the country, all of which operate under strict quality standards, ensuring the best products and highest quality