A Guide towards Choosing a Suitable Medicare Advantage Scheme

Medicare Advantage plan is a healthcare insurance program that is provided by a private Medicare Advantage plan organization. Medicare Advantage plans include Preferred Provider Organizations, Private Fee-for-Service, Special Needs Plans, Provider Sponsored Organizations, and Medicare Medical Savings Accounts. All plans differ on cost and coverage restrictions on Zoom Info.

Some of the factors you should inquire from a service provider before selecting a scheme are;
1. The plans healthcare providers in their network. You can consider if your doctor is on the network. Good programs have an in-network of numerous service providers.

2. Most plans require that you use their in-network healthcare service providers. But in case you need to see a specialist; you have to be referred by a Primary Care physician. It is crucial to ask your service provider on who you can choose as your PCP.

3. Ask if the plan will cover for outpatient drug prescriptions and the types of drugs that are in a plan’s list of covered drugs.

4. Inquire on the cost of a plan’s monthly premiums, copayments, deductible and the annual out of pocket spending. Ask for the plans regulations concerning the expenses.

5. Inquire on the service areas where the program works and if the scheme takes effect when you travel out of the service area.

For this reason, it is vital that you get a service provider with affordable Medicare Advantage plans that suit your health needs. For Clients living in Puerto Rico, InnovaCare is the ideal service provider.

At InnovaCare Health, clients will receive healthcare models that are specially designed by their management team to cater for all needs of a patient at a cost friendly price. Their Chief Executive Officer, Richard Shinto, and Chief Administrative Officer, Penelope Kokkinides, have worked in the healthcare industry for more than 20 years. Their combined capabilities and leadership experiences work to boost the credibility of InnovaCare Health a provider of medical solutions to the diverse needs of their clients.

Moreover, InnovaCare Health runs two dedicated subsidiaries that provide Medicare Advantage plans that benefit an estimated 27,000 clients. The clients are able to benefit from the Advantage Plans through an in-network of 7500 service providers. InnovaCare has maintained a commitment to providing exceptional services that have been designed specifically to respond to the needs of their diverse communities according to Rick Shinto, CEO of InnovaCare. As a result of making this their culture, they have been honored severally as the best Medicare Advantage plan provider in the region.

Learn more: https://www.openminds.com/market-intelligence/bulletins/innovacare-health-announces-three-additions-leadership-team/

Make Money with Reviews

When it comes to managing a business his reputation or online presence, it is very important that the person in charge of handling this responsibility truly under stands just how important it is to not only project a positive image and wonder if it is cohesive with the company’s brand, but also that they understand the way that they handle something like a negative review for criticism is a huge reflection on the business and the business’ overall image. It is impossible for a company to please 100% of its customers all of the time. It is absolutely understandable that some people, despite getting great service or enjoying a great product, or simply unhappy at the end of the day no matter what you do. Often these are the types of people that will also take out the time from their day to go online and leave a negative review. The way that a company response to these negative reviews is a huge reflection upon them. Therefore you should understand exactly how to handle this situation when it comes up.
Many business owners or managers are offended when they see negative reviews left by a customer online. Although, this is very understandable, it is important not to lash back at the customer. Remember that other potential customers or current customers are likely to see not just the negative review, but also how you respond to it.

For example, if you run a restaurant and a disgruntled customer leaves a review saying something like The service was slow, you could respond with something like this:
“dear Sir or Madam, I am so sorry to hear that you were unhappy with your experience in our restaurant. Please be sure that this is not how we prefer to do business nor is it a representation of how we want our service to run. Therefore, we would like you to come back and see how it is that we really do things. Please except our invitation to return to our restaurant and enjoy a meal on us. Also, be sure to let me know when you plan to come in because I would love to meet you in person and make sure that your next meal is everything you hoped it would be”

However, it is understandable that constantly keeping up with reviews, whether they be positive or negative, can be a very demanding job. Again, that is why it is highly recommended that you enlist to the expertise of a professional marketing, branding, public relations, or online reputation is firm. They are best equipped to keep up with all of these matters in real time. They can also offer a very valuable advice as to how you can continue to grow your business in a positive way.


My Parents Got Their First Home!!!

I went into Nexbank all the time because I had accounts with them, but I never knew that they could make my parents’ dreams come true. The people at Nexbank have this special affordable home program that was made just for people like my parents, and it helps them spend less money on a home loan that they want for their dream home. The dream home that my parents have been looking at was on the market, and the loan was cheap enough to work with the budget my parents were working with.

They actually come over to the same branch that we go to, and they have worked with the manager to get the loan cone as quickly as possible. It was so much easier for them to get their loan application done, and they were also able to get it done quickly enough that they could put an offer in on the house. They are using Nexbank for their pre approval letter, and they also convinced the owner that they could buy the house. Everything went perfectly, and everything was simple so that my parents did not have to worry about the sale.

We have done the same thing shortly after what my parents did, and that is because their affordable home plan works for everyone. There is no one who is left out of the program because it is just for everyone. Nexbank’s program works great because it gives people a loan with a lower interest rate, and it helps people pay less money every month. the monthly payments were very low for my parents, and they actually go into the branch to make their payments. That is why Nexbank works better for them. They get that up front service that is very easy to appreciate when walking into the branch.

Below are the links I used for research:



Tips on How to Enhance Your Reputation Online

Every company or individual wants a good and positive reputation online. A bad reputation online can ruin your business and also your personal relationship with your close friends and relatives. With the change in technology, companies sell their products online. Millions of people worldwide have online platforms and websites. Thus, negative reviews on your site can completely ruin your reputation.

It takes years to build a good reputation but it can only take a few seconds to ruin the reputation if one is not keen. Therefore, individuals and companies should have clear strategies on how to push bad and negative articles down in the search results. A company with a good reputation will win more clients and forever maintain the current customer base. It is crucial to the well-being of every business.

To push down negative and harmful articles, you should create and manage your profile. Your profile should be personal and therefore, you should not allow people to manage it for you. If you do this, you can control everything happening in your profile. It will enable you to suppress negative articles and push them down.

Always be positive in what you post. It is good that you post good and non-offensive comments on your online platform. It will grow your reputation positively and minimize webmasters from giving your website bad, harmful and unwanted reviews. Your search result will, in turn, display a positive image about yourself or your company.

Avoid negative keywords. The keyword you should use for your business should always be active. The keyword helps in minimizing bad results when someone searches you or your firm by use of those keywords. Therefore, it is advisable to take down negative keywords and replace them with positive ones.

Bury bad articles is an online reputation manager who helps companies to push down bad articles down the search engine. They believe the bad press, negative reviews, and damaging awful feedback can play a huge role in destroying any company’s customer base. They offer services to make your reputation clean and positive. Bury bad articles are reliable their services are exceptional. If you have problems with a bad reputation, these are the experts to consult.

Enemies and competitors will always be happy when your reputation is at stake. Thus, it is important to ensure that those bad articles do not destroy your image. That keeps your reputation clean and positive.

Mike Baur Supports Entrepreneurs with Opportunities from the Swiss Start-Up Factory

Mike Baur is a Swiss based businessman and entrepreneur. Mr. Baur holds a Masters of Business Administration (MBA) from the University of Rochester New York and an Executive MBA from the University of Bern. His business background includes working in the banking industry for most of 20 years. Even as a teen, he found the banking and finance industry fascinating and followed that passion and interest to a career. Baur began at the bottom of the banking ladder beginning as an apprentice and continuing the climb to executive board member of a large private Swiss bank.

With a variety of banking experience under his belt, Baur took off on the entrepreneurial path and co-founded the SSUF (Swiss Start-Up Factory) in 2014. The entity is an independent start up accelerator in Switzerland and focuses on helping energetic and thriving start-ups in the digital industry. SSUF is financed privately and offers start-ups exciting opportunities through their strong Swiss network and around the world.

Baur is responsible for fundraising and financing rounds at SSUF. He also works as a mentor to the Swiss youth entrepreneurship programs, as well as supports a variety of Swiss Start-ups financially. Baur is proud of his role with the SSUF and believes providing support opportunities to young entrepreneurs will strengthen the business world as well as the economy, as the start-ups continue to deliver better products and services.

The SSUF is also partnering with Geneva based fintech accelerator called Fusion. The philosophy of the company is to provide greater opportunities and widen the reach of the SSUF. Such start-ups will be evaluated and those with potential will be allowed growth opportunities including financing and mentoring support.

Baur and the Factory will offer mentoring, coaching and office space in the heart of Zurich, Switzerland in a three month long program. Start-ups will also have access to an entrepreneurial network with those that have similar goals and ambitions. The Factory will also partner potential start-ups with appropriate investors and continually evaluate their progress to make sure the start-ups stay on track and continue to move their companies forward and headed for success.

Twenty Three Layers Wins the Party Throwing Competition; Lauren Conrad Ditches the Runway for the Party

Parties are celebrations, so they should be over the top in terms of the theme, decorations, and the venue. However, not everybody knows which elements pair nicely together nor does everybody have access to impressive venues, which further validates the need for event planners in NYC. Twenty Three Layers is a company that dominates the industry when it comes to adding spunk and flair to every event that they service.

Twenty Three Layers: One Cup of NYC Attitude with Equal Parts Vivacity

Celebrity contacts fuel the driven fire of this company as they strive to compete against themselves as a means to improve, and their access to otherwise highly exclusive venues ensures that a client’s party will be memorable and, undoubtedly, notable.

Despite the company’s entry to some of the most esteemed venues in the city, their talents guarantee that even a person’s living room can be transformed into everything from a sunny farm to a posh concert hall. With Twenty Three Layers, it is all about one hundred layers of detail and they never fail to include aspects never thought possible into every event. In combination with contemporary fads, this event planning company never forgets the vintage aspects that people desire to have at their functions, ultimately making for a party that emanates originality and prestige.

Delving Deeper into Party Planning: Tips from Lauren Conrad

When she is not creating gorgeous fashion, Lauren is planning parties with her husband, William. Although she admits party planning is fairly stressful, she wants people to know that it does not have to be. Of her most urged words of advice include:

  • Never stress when throwing a party! Special events are supposed to be fun and about the guests, so make the food, pour the drinks, and have a blast.
  • Pick an easy theme because, though fun, outrageous ideas make it hard for guests to find attire that matches the setting. Leave space to the astronauts, please.
  • Make sure that your guests are comfortable by having food that people will actually enjoy.
  • Have fun with your guests. After all, this function is for you or a loved one, so it is important to make memories rather than to just push through to the finish.

Learn more: http://www.redbookmag.com/food-recipes/entertaining/news/a44678/lauren-conrad-party-planning-entertaining/

Find Twenty Three Layers in NYC

Best Lip Balm Options for Cold and Flu Season

It’s a common experience everyone has had: runny nose, dry lips, and all of the other unpleasant feelings that accompany a cold or flu. The misery can usually last days beyond the actual illness, as chapped, sore lips and noses linger. During cold and flu season, the right lip balm can be your best friend when it comes to eliminating this pain.
So which lip balms are best for cold and flu season? Here are a few top lip balm brand recommendations to get you through this year’s cold and flu season:

Evolution of Smooth (EOS)
With numerous flavors, organic certification, and a soothing blend of moisturizing ingredients, Evolution of Smooth (also known as EOS) lip balm is a top choice for cold and flu season. The sphere shaped lip balms are made with shea butter and vitamin E, and are free of phthalates, parabens, and gluten.

EOS also offers a medicated tangerine lip balm, which is an excellent choice for the dry, sore lips a cold can cause. Some of the ingredients found in the medicated tangerine lip balm include: green tea, beeswax, and pomegranate seed oil. Check out their products on Ulta.

Follow EOS on Twitter.

Visit their Linked In profile here: https://www.linkedin.com/company/eos-products-evolution-of-smooth

Burt’s Bees – Ultra Conditioning
Burt’s Bees Ultra Conditioning lip balm is another excellent option for cold and flu season. This lip balm uses kokum, cocoa, and shea butters, is made with 100% natural ingredients, and is free of parabens, SLS, and phthalates.

Neutrogena Norwegian Formula
One more top choice for cold and flu season lip balm is Neutrogena’s Norwegian Formula lip balm. It’s unique blend of ingredients provides protection and hydration for chapped lips. Additionally, this lip balm is PABA and fragrance free.


Lovaganza Announcement Explains Why Lovaganza Was Pushed To 2020

Lovaganza from J-Scott on Vimeo.

Lovaganza 2020 is preparing to have an international celebration that is expected to take place between May and September 2020. The classic Cinerama feel and the affairs of the past era have inspired the preparation for Lovaganza 2020. In addition, the celebrations will embrace the past, present and future of all nations around the world.

The celebrations are scheduled to take place in 8 flagship locations worldwide. At the summit of Lovaganza, all cultures on earth shall be showcased through groundbreaking entertainment, bedazzling, exhibitions, live events and immersive attractions from motion pictures. The theme of the celebration will be, “embarking on a Bohemian adventure around the world.” Originally, the Lovaganza celebrations were scheduled for 2015. However, they were pushed to 2020. This was done in order to utilize the emerging entertainment technologies on facebook.com besides incorporating new concepts during the festival. These technologies will enable people to feel the experience of being in different cultures from around the globe.

Read more: Lovaganza Officially Announces Dates for its Highly Anticipated Global Celebration

The four-month celebrations of Lovaganza shall be held in Africa, America, Oceania, the Middle East, Europe and Asia. The occasion is expected to culminate in an unmatched Hands Across the World ceremony. A traveling show is scheduled to precede 2020 by starting their tour in 2017. These shows will help popularize the 2020 celebrations as well as its mission and vision. In addition, through the tour, samples of Lovaganzas’s 3D cinematic glasses shall be experienced around the globe. Before 2020, 3 major motion pictures shall be released. These motion pictures shall be made available to the public through Lovaganza traveling pavilions courtesy of the new glasses that have been designed using 3D technology. Moreover, standard 2D and 3D theaters shall be used to air the films.

Already, the footage for the film trilogy has started shooting in different countries, including the United States, Spain and France. Shooting is expected to resume in India, Africa and different parts of the globe. During Lovaganza travelling venues, the film trilogy shall be presented through Immerscope screens. These groundbreaking screens shall create an impressive cinematic experience that will remind people of the nostalgia radiated by the archaic Cinerama screens. The leading exhibition technology shall also be displayed.

About Lovaganza
Lovaganza has two distinct structures. It has a non-profit entity and a profit-making outfit. Lovaganza entertainment franchise is a profit making company that seeks to provide global entertainment by way of appreciating all cultures on earth. The Lovaganza Foundation is a non-profit entity that uses visibility and success of the Lovaganza franchise to create positive impact besides supporting regional and global initiatives. J.F. Gagnon and Genevieve Gagnon founded Lovaganza foundation.

Doe Deere Brings Color to the World of Makeup

You probably know Doe Deere from her posts online. She is the creator of Lime Crime, that offers lip sticks and makeup that come un bright hues rarely offered. She is a business woman and an artist who was recently featured in Self-Made magazine, as one of the Top Female Entrepreneurs.

She claims to have been an artsy child from early on. She always had a paint brush nearby. She says she was always a colorful child, dressing in bright colors and makeup. Lime Crime is just her method of expressing herself as an adult. Doe claims that she was actually not very good at makeup until she was in her 20’s. After that, she says nothing was off limits. She used glitter, rhinestones and anything else that she could think of for makeup.

When Doe first launched her website and brand in 2008, it exploded. She was not the only one interested in explosive color and designs for makeup. The name Lime Crime was just a name she thought of for her eBay store in 2004, so she kept it for her brand name. She claims that one of the benefits of being so Internet-based is that you get immediate feedback from customers. The downside is handling the unfair rumors posted online anonymously. The way she deals with naysayers is to ignore them. She focuses on the good comments.

Deere refers to her fans as Unicorns, because unicorns were born different, and proud of it. She claims it takes a different person to wear the shades she produces. She is motivated by people who are true visionaries and not afraid to go against the trend. She hopes she can serve as a role model for other women interested in starting their own businesses.

Doe Deere was born in Russia and grew up in New York City. She was unable to fine bright enough makeup to match the colorful clothes she was making herself and selling on eBay. So Lime Crime’s makeup line was born, offering never before seen lip color. In 2012 she introduced the first Velvetines and later liquid to mate lipstick. All products are made cruelty free, and some are also vegan.

Thor Halvorssen Fights For Human Rights

Of the many freedom fighters and human rights supporters, one individual stands out against everyone else for not only his strong passion for providing universal rights to people around the world, but for also exposing even the most closed-off countries. This young individual is Thor Halvorssen, an individual who has a multi-cultural background of both Northern Europe and Latin America. As a fluent Norwegian and Spanish speaker, this young individual has always had a passion for learning about different cultures and for helping people around the world earn the universal rights that they truly deserve. According to an article from The Weekly Standard, Thor Halvorssen, though a young individual, has had generations of human rights activists. The proud background is exactly what inspired Mr. Halvorssen to found the Human Rights Foundation, a foundation that is currently located in New York City. As New York City is the center for international diplomacy, Thor Halvorssen decided this was the perfect place to openly spread peace throughout the world.

The Human Rights Foundation was founded to show the world’s deep commitment what it comes to the promotion of universal liberty. This foundation is a non-profit foundation that has no political agenda. Rather than playing politics, this foundation has a humanitarian foundation to bring universal rights to even the most impoverished regions. This foundation strives to protect the rights of individuals around the world. Thor Halvorssen can even give personal statements of being thrown into jail or being beaten badly on many of his missions. As an activist, Mr. Halvorssen has visited countless oppressed countries and has narrowly escaped many dangerous situations.

As a foundation, Thor Halvorssen and his peers follow the 1976 International Covenant on Civil and Political Rights as their focus of work. With this closely in mind, Mr. Halvorssen will do anything if it means that he can ensure the safety of other individuals around the world. As an human rights activist, Thor’s motivations are truly selfless and brave.

Additional information for Thor Halvorssen: