June 15, 2008
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Topics
Health & Wellness - Children's Immunizations
Vaccines Save Lives.
Can Vaccines sometimes be harmful to kids?
The Controversies with Autism
Insurance in the news
Starting 2009, Private health and disability insurance plans will cover Autism
Outrage of The Week:
Am I Covered?
Term of the Week
Larry's Tip of the Week
Call the show with your questions 480-949-1310
Special Guest
Lori Klauber
Hyperbaric Oxygen Therapy of Arizona
WHO?
Dr. Albert G. Reach, a retired Drugless Physician, (N.D. D.C.) established our facility in 1998. Dr. Howard Reuben M.D. is our staff physician. Ms. Lori Klauber is our general manager. Then we have Hyperbaric Techs. Everyone is well trained in this specialty. Everyone is here because we love seeing the results that this gentle, safe therapy brings to folks and changes families and lives
WHAT?
We are a non-hospital free-standing center for out-patient care. We have a state of the art, six place, comfortable chamber, where patients can watch TV, read, visit or just lay down. The patient breathes 100% medical grade oxygen through a mask or hood (both of which exhaust outside), while under greater than sea level atmospheric pressure.
WHERE?
We are in beautiful north Phoenix, Arizona, near motels/hotels/suites and not far from RONALD MCDONALD HOUSE.
WHEN?
We are open year round. Appointments are necessary and can be set up by the patient, the caregiver or health care practitioner.
HOW:
Consultations by phone and in person are at no charge. Evaluations are at no charge. Recommendations at that time will be discussed. We use world class clinically proven protocols that are fitted to the needs of the patient.
FEES:
We maintain our original fee of $150.00 per hour, with discounts for advanced payments and commitments when large blocks of treatments are necessary.
QUESTIONS?
Call Lori, we are here to help! 602-996-3348
The Insurance Term of the Week
To help you build your insurance vocabulary and be a more informed insurance consumer
Actual Cash Value" and Replacement Cost Value"
Actual cash value is the amount it would take to repair or replace damage to a home and its contents after you take off depreciation. Another wards lets say you bought a brand new wide screen HD TV last year and you wanted to sell that HD TV today. You would not be able to sell the TV for the same money you paid for it last year. The difference between what you paid for the HD TV last year and it's value today is the depreciation.
Replacement Cost Value is the amount it would take to replace personal property or rebuild a home or repair damages with materials of similar kind and quality, without deducting for depreciation.
So lets say you had to replace that HD TV that you bought brand new one year ago. With replacement cost value you would be able to get a brand new HD TV, similar kind and quality and not have to take off for depreciation.
If you were rebuilding a home that was destroyed in a fire or replacing personal property stolen from a theft, the difference to you would most likely be substantial.
With the horrible disasters we've seen recently in the Midwest from tornadoes and flooding to the horrible wild fires we've seen in California, this should be a reminder to all of us to make sure we are adequately covered for a disaster.
The National Association of Insurance Commissioners National Survey this month revealed there is a significant lack of preparedness among consumers.
Nearly 48% of consumers reported not having an inventory of their possessions. Of those that did have a check list 32% had not taken any pictures and 58% had no receipts validating the cost of their possessions. 44% acknowledged they had not stored their inventory in a remote location. A safety deposit box at a bank can be a good place to store a home inventory.
The NAIC survey also found that 43% of adults with homeowners or renters insurance owned policies with replacement cost coverage. Of the remaining consumers 27% indicated their policies insured their home for actual cash value only. While another 28% said they didn't know which type of coverage they had purchased.
The survey also revealed that most homeowners have not re-evaluated their insurance polices since they first purchased the insurance. Is your home still insured to its proper value?
These are our tips for the week:
You need to make a comprehensive list of your belongings and their value. This will help you if you should have to file a claim in the event of a disaster. I recommend that you create a home inventory. I make this easy for you.
Go to our web site, www.yourinsurancematters.net. From there click on "Sponsors/Links." Scroll down and click on "Arizona Insurance Council." Scroll down to "Homeowners" and click on the "Free Home Inventory Software." Downloading the software is easy it makes creating a home inventory easy and it is easy to keep your information up to date. We also recommend you save receipts to your items and note the model and serial numbers.
Store this inventory in a safe and remote location like a bank safe deposit box.
Don't forget valuables like jewelry, antiques, baseball card collections, family heirlooms. These items are typically not covered on the standard policy but can by covered by purchasing a rider.
Know your coverage. What is and isn't covered? Are you insured for actual cash value or replacement cost coverage? I recommend you have replacement cost coverage.
Appraise your homes value. Contact your insurance agent and re-evaluate the coverage on your home. Make sure your policy reflects home improvements, renovations and cost of materials and labor.