Open Enrollment for Healthcare Plans

It is open enrollment time for Marketplace health insurance. This is a four-month period of time starting November 15th and if you fail to enroll via healthcare.gov during this window of time, you won’t be able to buy Marketplace coverage. Yes you can purchase healthcare outside the Marketplace, but why would you? It is therefore important that consumers completely understand their options through the Marketplace.

With the Affordable Care Act, all US citizens are entitled to health insurance coverage via government exchanges, although the majority of Americans still get health benefits through their employer. Most companies that offer healthcare as a benefit give their employees two months to choose from a couple options. All plans in 2015 must include at least the same set of 10 essential health benefits. Below are three important tips to ensure a successful open enrollment season.

Open Enrollment Tip #1: Review Your Options

Invest the time to look over your options with a keen eye for detail. Ask as many questions as you can. Go beyond just comparing deductibles and monthly investments required per household. Consider your monthly costs on prescription drugs or if there are any big events that you can plan for such as having a baby, scheduling the hip replacement you have been putting off or consider the level of care required to treat a chronic pre-existing conditions.

There are some insurers that offer incentive programs or wellness programs that can help you quit smoking, lose weight or lower cholesterol levels. These incentives can include lower premium costs, merchant gift cards or membership discounts.

Open Enrollment Tip #2: Ensure Your Doctor is In-Network

Always double check with your primary care doctors and the specialists you see. Sometime doctors move in and out of networks based upon reimbursement agreements and the hospital networks they are connected with. In an effort to control costs, many insurers renegotiate terms with network providers. These new agreements often take place at the beginning of their fiscal year. Those decisions can and will impact a doctor’s practice and they may choose to participate in this new plan or stop accepting that insurer’s terms abruptly.

Open Enrollment Tip #3: Don’t Forget Specialty Benefits

Specialty benefits like vision and dental plans are usually available at a minimum cost, and cover eye exams and teeth cleanings. There are also vision plans that offer reduced pricing on lenses and frames. Research suggests that there is a connection between oral health and overall health, so having the right dental plan can help you prevent more serious medical problems and control those out of pocket costs.

For some people, open enrollment can be very confusing, given the numerous choices of individual health insurance plans that are available through both the individual Marketplace and through health benefits for employees and employers. If you want more guidance on low cost health insurance in Bucks County, contact a reputable health insurance agent to help you choose the most desirable and cheapest health insurance in Philly that fit your specific needs.

The Modern Age Pet Vets Are Specialists

A veterinary specialist is a veterinarian who has gone through added training in a certain area of veterinary medicine and passed an examination evaluating their skills and knowledge in that specialty area. There are wide ranges of veterinary specialists. A general veterinarian might be effective in treating most common animal conditions, but specialists are sometimes needed to handle more complex matters. Below are seven of the most popular types of veterinary specialists.

Dentistry – Because dental care is important to the overall general health for pets as well, there are veterinary specialists specializing only in the care of your pets teeth and oral health. Examining the teeth of animals can be difficult at times, so it would be best to have a trained dental specialist do it. Dental professionals are able to detect problems of the mouth, and treated them accordingly.

Emergency Care – Emergency care specialists are trained in handling any kind of medical condition brought to them on an emergency basis. They are able to address stroke, trauma caused by car accidents, severe cuts and lacerations, heart attack and other emergency-related situations. These specialists are trained to quickly act to the needs of your pet and diagnose the situation as quickly as possible so life-saving measures or treatments can be performed.

Equine – Equine specialists are those specifically trained to handle the care, treatment and maintenance of horses. These animals have a different physical anatomy from typical house pets, so they have to be treated by a vet specialist devoted to the care of horses. Also, horses have a different and more complex frame of mind compared to most other domestic animals.

Nutrition – Helpful in creating the most appropriate and healthiest diet for your pet, nutrition specialists can ensure that your pet gets back on track when a proper balanced diet is a component of the treatment. They are also used in certain medical conditions that demand diet changes. These veterinary specialists can prove to be helpful in setting a low-sugar diet to help control your pet’s diabetic condition.

Pharmacology – Responsible in monitoring and suggesting the best possible drug therapy for most medical conditions but this responsibility is shared with a prescribing veterinarian. Pharmacologists often consult with the family or 24 hour emergency vet specialist to better understand medication options proper dosing, side effects and contraindications.

Surgery – There are veterinary professionals who solely specialize in surgical procedures. These specialists are trained to be effective and efficient on a wide range of surgical procedures, as well as in maintaining the health of the animal all throughout the procedure. Surgery can be stressful, even dangerous, so ensure that your pet is in the hands of a trained surgical veterinary specialist.

Anesthesiology – Anesthesia is usually used in animals for during surgery and many other diagnostic procedures. An anesthesiologist administers the anesthesia and monitors its effects on the animal while they are under its effects. He is also trained to handle instances of allergic reaction and life-threatening situations related to anesthesia.

Your family vet may have to consult with vet referral specialists when treating or diagnosing your pet’s health, especially when it asks for specialized expertise or equipment that your current veterinarian does not have. It is important that the pet vet in Philadelphia, or where you live has a relationship with specialists who work collaboratively to give the best care for your pet.

The Pros and Cons of Microgrid Systems for Manufacturing Companies

After the Northeastern US power grid failure and its resulting blackout in 2003, the idea of constructing a microgrid for commercial enterprise began to make sense for more U.S. manufacturing companies. Subsequent power disruptions such as the Hurricane Sandy blackouts and threats to the power infrastructure from cyber-attacks have created a demand for custom electrical transformers. If you are the owner or operations manager of a U.S. manufacturing business concerned about prolonged power losses, a microgrid system may be an intelligent business decision for your company. There are some important points to consider before investing the time and money into a substation at your site, but the benefits for your business may be worth the investment.

Reliable Energy

Microgrids deliver reliable energy by blending local utilities with an on-site power station at your manufacturing site. The station is automated based on your settings. If there is a power outage, your microgrid will continue to supply power to the most vital elements of your operation while cutting power to non-vital areas of your site, such as storage areas, based on your preferences.

Contracting the build of a microgrid for commercial enterprise is most advantageous for mid-size manufacturing businesses that depend on a constant source of power for their equipment and want to explore alternate energy resources.

Major Benefits for Businesses

Supplying your manufacturing plant with power from a microgrid system is not only a way to avoid power system failures due to storms. Other benefits of microgrids include:

  • Protection From Human Threats. Power systems are vulnerable to cyber-attacks and acts of terrorism. Custom electrical transformers are less likely to be targets for hackers and terrorists due in part to the smaller scale of the substation and closed use.
  • Balanced Demand on Utilities. The increased demand for energy per person taxes utility providers. A microgrid for a commercial enterprise balances your site’s demands for energy between the primary power grid and your substation. That makes blackouts less likely for your site and for the local community it may also serve.
  • Government Incentives. By working with power engineering consultants to use alternative energy resources in your substation, your business will qualify for green initiative government incentives. You can take advantage of most wind and solar incentives should you decide to utilize any of these renewable energy resources.

Important Considerations

It’s important to discuss your energy needs with a qualified power engineer to understand the timetable and costs involved in incorporating a microgrid system into your production process. Even if you have onsite teams of electrical and mechanical engineering experts, your company will need to plan to work with the right consulting engineers and the power transformer manufactures to implement the substation. Most manufacturing companies can expect a 2 to 5 year project for a fully functional microgrid for commercial enterprise.

Microgrids may require a large upfront cost for the implementation of the microgrid design and custom electrical transformers . The investment is balanced somewhat by an immediate ROI through conservation of energy costs. There is a quick payback in energy and water conservation, and the government incentives for renewable resources also will offset some of the expense. Still, implementing a microgrid can be a very wise idea for a manufacturing facility that suffers from lost revenues when the power goes out.

If your manufacturing company requires a constant source of reliable energy, the enormity of the project and upfront costs of a substation may be worthwhile. A microgrid for a commercial enterprise is an investment in a reliable source of renewable power that benefits your company as well as the community.

After the Northeastern US power grid failure and its resulting blackout in 2003, the idea of constructing a microgrid for commercial enterprise began to make sense for more U.S. manufacturing companies. Subsequent power disruptions such as the Hurricane Sandy blackouts and threats to the power infrastructure from cyber-attacks have created a demand for custom electrical transformers. If you are the owner or operations manager of a U.S. manufacturing business concerned about prolonged power losses, a microgrid system may be an intelligent business decision for your company. There are some important points to consider before investing the time and money into a substation at your site, but the benefits for your business may be worth the investment.

Reliable Energy

Microgrids deliver reliable energy by blending local utilities with an on-site power station at your manufacturing site. The station is automated based on your settings. If there is a power outage, your microgrid will continue to supply power to the most vital elements of your operation while cutting power to non-vital areas of your site, such as storage areas, based on your preferences.

Contracting the build of a microgrid for commercial enterprise is most advantageous for mid-size manufacturing businesses that depend on a constant source of power for their equipment and want to explore alternate energy resources.

Major Benefits for Businesses

Supplying your manufacturing plant with power from a microgrid system is not only a way to avoid power system failures due to storms. Other benefits of microgrids include:

  • Protection From Human Threats. Power systems are vulnerable to cyber-attacks and acts of terrorism. Custom electrical transformers are less likely to be targets for hackers and terrorists due in part to the smaller scale of the substation and closed use.
  • Balanced Demand on Utilities. The increased demand for energy per person taxes utility providers. A microgrid for a commercial enterprise balances your site’s demands for energy between the primary power grid and your substation. That makes blackouts less likely for your site and for the local community it may also serve.
  • Government Incentives. By working with power engineering consultants to use alternative energy resources in your substation, your business will qualify for green initiative government incentives. You can take advantage of most wind and solar incentives should you decide to utilize any of these renewable energy resources.

Important Considerations

It’s important to discuss your energy needs with a qualified power engineer to understand the timetable and costs involved in incorporating a microgrid system into your production process. Even if you have onsite teams of electrical and mechanical engineering experts, your company will need to plan to work with the right consulting engineers and the power transformer manufactures to implement the substation. Most manufacturing companies can expect a 2 to 5 year project for a fully functional microgrid for commercial enterprise.

Microgrids may require a large upfront cost for the implementation of the microgrid design and custom electrical transformers. The investment is balanced somewhat by an immediate ROI through conservation of energy costs. There is a quick payback in energy conservation, and the government incentives for renewable resources also will offset some of the expense. Still, implementing a microgrid with a few three phase transformers can be a very wise idea for a manufacturing facility that suffers from lost revenues when the power goes out.

If your manufacturing company requires a constant source of reliable energy, the enormity of the project and upfront costs of a substation may be worthwhile. A microgrid for a commercial enterprise is an investment in a reliable source of renewable power that benefits your company as well as the community.