Access General Insurance


Access General Insurance

    general insurance

  • General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance typically comprises any insurance that is not determined to be life insurance.
  • Insurance which is not long-term business. See here for more information.
  • Insurance for assets like cars, homes, travel, and home contents.


  • A means of approaching or entering a place
  • The right or opportunity to use or benefit from something
  • The right or opportunity to approach or see someone
  • obtain or retrieve from a storage device; as of information on a computer
  • reach or gain access to; “How does one access the attic in this house?”; “I cannot get to the T.V. antenna, even if I climb on the roof”
  • entree: the right to enter
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access general insurance – Reducing Medicare

Reducing Medicare Fraud, Waste and Abuse (Health Care Issues, Costs and Access)
Reducing Medicare Fraud, Waste and Abuse (Health Care Issues, Costs and Access)
The issue of health care fraud and abuse has attracted a lot of attention in recent years, primarily due to the fact that financial losses attributed to it are estimated to be billions of dollars each year. Based on the fact that the Medicare and Medicaid programs make up the largest single purchaser of health care in the world, and over 20 percent of all U.S. federal government spending, it is not surprising that these federal health programs have been considered prime targets for fraudulent activity. The government has an array of statutes that it may use to combat health care fraud. This book provides an overview of selected federal statutes, including program-related civil and criminal penalties, the anti-kickback statute, the Stark law, and the False Claims Act, that may be used to address fraud and abuse in federal health care programs.

Day 122 – Our six year wedding anniversary in the ER

Day 122 - Our six year wedding anniversary in the ER
It’s been a while since I’ve updated here. Sorry for falling off of the face of the earth for a short while. It’s due to the fact that our roommate, John removed internet access from the livingroom area and put it in his bedroom. I had no access to the web for a while. I’ve also been working full time and 12 hour days in my new job. The stress has been overwhelming.

But now I’m back and lets see if I can summarize the past few weeks.

The biggest event that happened to me occured this weekend.

This weekend was my 6 year wedding anniversary with Eric and we spent it in the EMERGENCY ROOM of the San Francisco general Hospital. I had minor surgery done.

It was quite possibly the most frightening experience of my life. It’s not something I want to write about or revisit.. but it’s kind of important. Maybe it will help prevent anyone else from going through what I did.

10 months ago I first noticed the small lump under my left arm pit.

I know this seems like the kind of thing I would write about here in my 365 days journal (since I’ve been documenting every aspect of my daily life), but to be honest.. I didn’t think much of it. It was so small, like a tiny pea embedded deep under the skin and it didn’t hurt. I thought it was a swollen lymp node. I was under the belief that a lump had to be in your breast for it to be dangerous.

5 months later, it grew to the size of a pebble. During my yearly breast exam my doctor felt it and observed that it was probably a cyst or a calcium deposit. She gave me a referral for a specialist which I never followed up on. I was in the middle of moving to San Francisco and I had just quit my job, so I didn’t have health insurance at that point.

2 weeks ago, It started to hurt a bit. Just enough to cause discomfort and worry.

1 week ago it began to grow larger and become more painful but I was so busy with work I didn’t want to take off any days so early into a new job. I’m still trying to make a good impression.

Then the fever and chills came. My entire arm was in pain and I couldn’t raise it anymore. the whole area hurt so badly, I had to take 3 motrin every 6 hours to just get through work on Thursday and Friday. Eric started begging me to see a doctor, I told him "on the weekend, I promise.. I’m just in the middle of a big project!"

On Saturday, the pain was so extreme I started shaking. Eric rushed me to the San Francisco General Hospital.

It turns out my cyst was infected and leaking fluids inside the skin under my arm. It was almost at the point of rupturing which would have potentially led to blood poisoning. They did a lot of blood tests to count my white blood cells to see if it was cancer such as Hodgensons Lymphoma. I had a series of doctors examining me, At around midnight..they stuck an IV in my arm and started administering Morphine for the pain. It helped at first and that’s when this picture was taken.

This was my first time in a hospital emergency room in a hospital gown, attached to an IV in a scary white room. At 2 A.M. I started crying because of the pain that had returned full force and an intense fear. I was a mess. Eric was holding my hand, and smoothing down my hair. They were concerned about my fever. I was hallucinating due to the morphine and thought the cookie monster was singing "C is for Cookie" at the foot of my bed. I believed he was my guide to take me to "the other side" In retrospect, I find that rather funny.

At 3 A.M., they used 7 big (extremely painful) needles to numb the area and cut me open while I was on a morphine drip. It’s terrifying to be awake while surrounded by 5 different doctors, nurses, and attendees while they’re slicing open your arm pit. There are no words to describe. I could feel what they were doing despite the numbing injections. Eric was squeezing my hand. Two nurses were holding my legs to insure I didn’t move during the procedure.

After removing the entire cyst, they put antibiotic gauze in the area and gave me a prescription for Vicodin. They removed the IV and had me rest for an hour before I was allowed to leave the hospital room. I returned home and threw up until 7 A.M.

That was how we spent our 6 year wedding anniversary.

It is an anniversary we’ll never forget. what I wont forget is how Eric held my hand the entire time, How he held me in his arms that morning while I trembled and cried in bed. His support, his love.. and it’s weird how something as scary as this can make you realize how important you are to eachother as a couple. How deep your love is together.

What I learned from this experience is to never ignore a lump. any lump. EVER. If you have a cyst right now, even a benign cyst. I urge you to go to the doctor and have it aspirated. I didn’t realize until this week that cysts could get abscessed, infected, rupture or cause life threatening health problems.

I’m healing now and I’m okay. 100% better. I sho

4 Steps to Building an Emergency Fund

4 Steps to Building an Emergency Fund
Ben Franklin once declared, “A penny saved is a penny earned.” Yet, equally enlightening are his thoughts on expenses: “Beware of little expenses. A small leak will sink a great ship.”

And there are plenty of “leaks” that can scuttle an already-tight budget. For instance, a spouse idled by the sour economy, a fender bender with the family car, or an unexpected hospitalization. That’s why financial advisors recommend that you have a rainy-day fund—enough liquid assets to cover three to six months’ worth of emergency living expenses. In case of financial emergency, access to additional money will save you from relying on credit cards or loans that simply compound the problem.

When starting an emergency fund, here are a few tips to abide by:

1. Determine what amount is best for you. Most experts agree that you should keep between three and six months worth of your living expenses set aside in your emergency fund. Your specific situation – whether you have children, carry substantial debt and types of insurance coverage you have – will determine what amount is best for you. Examine your situation — your income and your needs — to decide how much you should save.

2. Start small. Starting an emergency fund can be as simple as depositing $100 into your high-interest savings account. But before you begin, be sure that you’re meeting your basic living expenses. And as you build your emergency fund, be sure you’re also reducing your spending and avoiding debt.

3. Stick to a schedule. Get into the habit of making regular deposits. Whether it is weekly, bi-weekly or monthly, create a schedule and stick to it. Once you make saving automatic, you won’t even have to think about it.

4.Consider an online savings account. In many cases, an “online” savings account may make more sense than an account at a traditional, bricks-and-mortar bank. That’s because many traditional banks are not currently offering a savings option with interest rates high enough to meaningfully beat inflation. In addition, an online savings account is a reliable way to manage your money.

AAA and Discover Bank recently partnered to bring members highly competitive, preferred member rates on an online savings account. The AAA Online Savings Account is a great option to begin building your rainy-day fund:

• Preferred member rates over five times the national savings average

• $500 minimum opening deposit and no minimum balance required

• FDIC insurance up to $250,000

To open your Online Savings Account, visit

access general insurance

access general insurance

Health Insurance: A Primer (Health Issues, Costs and Access)
People buy insurance to protect themselves against the possibility of financial loss in the future. Individuals and families without health coverage are more likely than those with coverage to forgo needed health care, which often leads to worse health outcomes and the need for expensive medical treatment. Since uninsured persons are more likely to be poorer than insured persons, the uninsured are less able to afford the health care they need. This book presents important materials on health insurance reform, as well as relevant laws, high risk pools, coverage for seniors, the uninsured and the roles of the government and industry in the health insurance puzzle.


Written by accessgeneralinsurancebip

May 7, 2012 at 8:08 am