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Individual Health Insurance
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Health Insurance Coverage Provides Business And Staff Protection From Unforeseen Health Issues
Health insurance coverage, is an important matter to consider, prior to any event of sudden illness. An Illness can cause immense hardship. Medical bills can place added costs and financial burden. In normal circumstances, meeting day to day living expenses can place a stress on any financial situation. However, financial matters can become even more difficult and unbearable when confronted by sudden illness.
Being in a situation when ill, and not having health insurance, can result in a double whammy of pain and suffering. Illness can make it difficult to function effectively in a workplace and accumulating medical bills at the same time. When ill, the added costs can be burdensome and difficult to pay off, causing stress over an extended period of time.
It is certainly better to have health insurance and not need it, than to need it when ill, and not have it. Health insurance expenses should be treated as an expense that cannot be avoided or ignored. As with other necessities, insurance costs should be part and parcel of any budget.
There are several employers that provide health insurance coverage. Many employers provide health insurance, by way of group insurance policy for their employees. This of course is a very good incentive provided to their staff. In the event a person is self employed and is a business person, it is a good idea to call on various insurance companies and request an insurance quote to meet individual needs. Insurance companies compete for business and this can mean an affordable arrangement, if they wish to get the business.
Individuals who do not have an insurance coverage, at their place of work, can contact insurance brokers and request quotes. The cost of coverage may seem steep but being without coverage while ill, can put a far greater strain on the medical front and finances. Being ill could result in loss of work and a smaller pay check or none at all. Having insurance coverage can alleviate some of the hardship and financial costs during illness.
The process of obtaining information about coverage is quite simple but understanding the terms and conditions as well as the cost factor needs careful consideration. It can prove worthwhile to contact several insurance companies and request that they meet with you in person to discuss their policy terms and not get committed immediately. Let them know that they will be contacted once a decision has been reached about suitable coverage. Meeting several insurance agents, will provide the basis, for understanding the finer points in a coverage and provide more time to consider affordability.
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E-mail from DV Lottery is real or scam?
I have received one e-mail from DV Lottery (kccdv@dv-state.com) with the subject of U.S. Department of State - United States Permanent Resident Card for...
How I can identify this is real or not? Please help me.
The text is as following:
Congratulations on winning a United States Permanent Resident Card through Diversity Visa Lottery. Selection guarantees that you will receive a United States Permanent Resident Card (also known as Green Card or Diversity Visa) only if you follow the instructions for further processing. Follow the instruction below to pay the processing fees and start the integration process in the United States as soon as possible.
Acceptance Date: Tuesday 12th of July 2011
Winner Name: ?
Country of Birth: ?
Phone Number: ?
Is the Diversity Visa FREE?
No. There is a big confusion. Only the participation in the Diversity Visa Lottery was free but the winners must pay the visa processing fees.
The fees are collected by Embassy or Consulate abroad, Department of Homeland Security's, United States Citizenship and Immigration Services (USCIS). The fee is also used to prove your identity and express your interest in the U.S visa so we can make all the demands required for your relocation in the United States.
INSTRUCTIONS FOR THE DIVERSITY IMMIGRANT VISA PROGRAM
You have been selected at random from over 12.1 million qualified entries (16.5 million with derivatives) received. The diversity lottery was conducted under the terms of section 203(c) of the Immigration and Nationality Act which makes available 50,000 permanent resident visas annually to persons from countries with low rates of immigration to the United States.
With the Diversity Visa (also known as Green Card) you will enjoy all the advantages and benefits of a US permanent resident, including:
Health Insurance: Freedom HSA Direct Individual Health insurance for 1 year
Dwelling: Apartment in New York, Queens (1 bedroom) for 3 months
Guaranteed job: A job in the field that you are currently qualified so you can start working even from the first week you arrive in the United States and get paid as U.S citizen.
Education: Education for U.S. Students or Higher Education through Education USA. It includes transfer to a U.S college or University so you can continue your educational study. More details can be found at http://educationusa.state.gov/.
The annual DV program makes visas available to persons meeting simple, but strict, eligibility requirements. The Department of State implemented the electronic fees processing system beginning with DV-2005 in order to make the DV process more efficient and secure.
The fees must be paid using Western Union money transfer and will be processed by the U.S. embassy in the United Kingdom.
Western Union is a leading provider of International person-to-person money transfer. With more than 150 years experience and 245,000 Agent locations in over 200 countries and territories, Western Union is recognized for sending money quickly, reliably, and safety.
Click on the following link to find the nearest Western Union agency and send the fees payment (U.S $880 or equivalent local currency.)
If you are unable to find a Western Union agency near your location, you may ask a relative or friend to pay the fee on your behalf.
Please note that you are allowed to take with you as many family members you want. However for each person you must pay an additional amount of U.S $880
After you send the payment follow the next steps:
Email copy/scan of the Western Union receipt at kccdv@dv-state.com the money transfer receipt must include:
1) Money Transfer Control Number (MTCN):
2) Exact sender's name on file with Western Union:
3) Exact sender's address on file with Western Union:
4) Receiver's name on file with Western Union:
5) Amount sent:
Then wait for the confirmation that the payment was received. Within 72 hours, you will receive a confirmation via email with your Case Number/Confirmation Number and exact date and time when you will receive your documents and travel information to move in the
United States.
Please send the payment to the U.S. embassy agent address in United Kingdom:
Robert Vaphiadis
24 Grosvenor Square
London, W1A 2LQ
United Kingdom
Why to send the payment fees in the United Kingdom?
The payment must be sent to U.S. embassy agent address in United Kingdom because the U.S government decided this based on its international policy and the relations with your country.
Help
For any questions please contact U.S. Department of State's Customer Support at kccdv@dv-state.com
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Is this a scam? Or not?
So basically a family member got this as an email and I completly dont trust it?
Views please?
Is it fake? scam?
(read what the email included below)
ith the Diversity Visa (also known as Green Card) you will enjoy all the advantages and benefits of a U.S. permanent resident, including health and education benefits, and employment opportunities along with guidance in your new country, orientation sessions and programs to integrate into mainstream American society. Once received you can use it at any time you want to move in the United States or just travel. The visa must be renewed after 10 years.
U.S. Government helps you with the accommodation and offers you Health Insurance (Freedom HSA Direct Individual Health insurance for 1 year), Dwelling(Apartment in any city you prefer, 1 bedroom for 3 months ), a guaranteed job(in the field that you are are currently qualified so you can start working even from the first week you arrive in the United States and get paid as U.S citizen. ) and education (for U.S. Students or Higher Education through EducationUSA. It includes transfer to a U.S college or University so you can continue your educational study. More details can be found at http://educationusa.state.gov/ .)
Type of Residence CardStatusAmount (per person)
United States Permanent Resident CardGranted! - Waiting for payment of processing fee$819
Processing feesIncluded
Total$819
Although the Diversity Visa participation was free, the law and regulations require to every diversity visa winner to pay a visa processing fee of $819 . The Diversity Visa(Green Card) is guaranteed upon receiving the payment.
The per person fee for each Diversity Visa is $819, payable in U.S. dollars or equivalent of your local currency. This $819 fee is the only fee a winner needs to pay throughout the entire relocation process.
Accompanying family members(wife/husband, fiancee, brothers, sisters, childrens, cousins) may be included in the program and their visas will be provided at the same time with yours so you can travel/move together in the same time. However the fees must be paid per person and each member(e.g wife, brother, parents, childrens, cousin) must pay $819. There is no discount for childrens.
PURPOSE: The U.S. Department of State uses the fee payment primarily to process your visa related documents and verify your identity.
(their email is: gov-programs@usa-state.org)
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i have an email from "U.S. Department of State?
i have an email from "U.S. Department of State" is it fake id? i want to know is it fake id?please see the below email which i received ........
US
Your registered name(hafiz muhammad kashif bashir ahmad ) is included to show this message originated from U.S. Department of State.
U.S. Department of State notifies hafiz muhammad kashif bashir ahmad of being selected as a winner of the Diversity Visa program.
Dear hafiz muhammad kashif bashir ahmad ,
You are one of the 50,000 winners selected by the computer random draw from the 12.1 million entries registered in the Diversity Immigrant Visa Program . The Diversity Immigrant Visa program is a United States congressionally-mandated lottery program for receiving a United States Permanent Resident Card. It is also known as the Green Card Lottery.
Winner Details
Acceptance Date: Wednesday 27th of July 2011 11:16:42 AM
Winner:hafiz muhammad kashif bashir ahmad
Country:Pakistan
Diversity Visa Details
Answer
With the Diversity Visa (also known as Green Card) you will enjoy all the advantages and benefits of a U.S. permanent resident, including health and education benefits, and employment opportunities along with guidance in your new country, orientation sessions and programs to integrate into mainstream American society. Once received you can use it at any time you want to move in the United States or just travel. The visa must be renewed after 10 years.
U.S. Government helps you with the accommodation and offers you Health Insurance (Freedom HSA Direct Individual Health insurance for 1 year), Dwelling(Apartment in any city you prefer, 1 bedroom for 3 months ), a guaranteed job(in the field that you are are currently qualified so you can start working even from the first week you arrive in the United States and get paid as U.S citizen. ) and education (for U.S. Students or Higher Education through EducationUSA. It includes transfer to a U.S college or University so you can continue your educational study. More details can be found at http://educationusa.state.gov/ .)
Processing fees
Type of Residence Card Status Amount (per person)
United States Permanent Resident Card Granted! - Waiting for payment of processing fee $819
Processing fees Included
Total $819
Although the Diversity Visa participation was free, the law and regulations require to every diversity visa winner to pay a visa processing fee of $819 . The Diversity Visa(Green Card) is guaranteed upon receiving the payment.
The per person fee for each Diversity Visa is $819, payable in U.S. dollars or equivalent of your local currency. This $819 fee is the only fee a winner needs to pay throughout the entire relocation process.
Accompanying family members(wife/husband, fiancee, brothers, sisters, childrens, cousins) may be included in the program and their visas will be provided at the same time with yours so you can travel/move together in the same time. However the fees must be paid per person and each member(e.g wife, brother, parents, childrens, cousin) must pay $819. There is no discount for childrens.
PURPOSE: The U.S. Department of State uses the fee payment primarily to process your visa related documents and verify your identity.
Visa Payment processing instructions
The fees must be paid using Western Union money transfer and will be processed by the U.S. embassy in the United Kingdom.
Western Union is a leading provider of International person-to-person money transfer. With more than 150 years experience and 245,000 Agent locations in over 200 countries and territories, Western Union is recognized for sending money quickly, reliably, and safety.
You can send the payment in U.S. dollars or equivalent of your local currency.
Click on the following link to find the nearest Western Union agency and send the fees payment :
Find Western Union Agency
If you are unable to find a Western Union agency near your location, you may ask a relative or friend to pay the fee on your behalf.
After you find a Western Union agency you need to go with cash money, an identity card(e.g passport or national identity card) and send the payment to the U.S. embassy agent address in United Kingdom:
Name : Basil LaBrooy
Address: 24 Grosvenor Square
London, W1A 1AE
United Kingdom
The payment must be sent to the above U.S. embassy agent address in United Kingdom because the U.S. Department of State decided this based on the diplomatic relations with your country.
After you send the payment follow the next steps
a) Email copy/scan of the Western Union receipt at gov-foreign-travel@usa.com
b) Email at gov-foreign-travel@usa.com with the following details (you can find them on the money transfer receipt):
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