How to understand PCP finance plans #mezzanine #finance


#pcp finance

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How to understand PCP finance plans

Buying a car used to be easy. Now we’re assailed with finance schemes with names better suited to tins of designer paint, along with headline figures low enough to make energy prices appear even more ludicrous.

The latest to catch my eye is Dacia offering its Duster, a family car, for just £99 a month. That really does make motoring little more than another utility and, as headline figures go, a family car for less than 100 quid a month is mighty impressive. But you need to look beyond this headline figure to assess whether the deal is good value or not.

Personal contract purchases (PCPs) such as this are worked out on the car’s residual value (how much it will be worth at the end of the contract). Dacia’s Dimensions package states the £8,995 Duster will fetch £2,603.33 in four years, or 29 per cent of its value today. So “buyers” borrow the difference between the price now and what it’ll be worth in four years. Put another way, you’re paying the cost of the depreciation plus a little bit extra.

The Duster’s total cost is calculated as follows: the buyer puts down a £3,112 deposit, makes 48 payments of £99 (£4,752 in total) and pay arrangement fees of £248. That adds up to £8,112 or £169 a month. And remember that you still don’t own the car at this point. To do that, you must pay £2,603 extra. This puts the final reckoning for the Duster at £10,715, or £223 a month over the four-year period. Not quite as rosy as that £99 headline figure, is it?

Related Articles


Spaces Studio – New Jersey Interior Design School Madison, NJ 07940, Morris County #interior #redesign, #interior #design #services, #architectural #plans, #redesign #training, #morris #county, #nj, #room #makeovers, #interior #designer, #northern #nj, #decorating #classes, #workshops, #decorating #professional, #pa, #ny, #affordable #interior #designer, #madison, #new #jersey, #07940


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Interior Design Services for Clients in New Jersey, Pennsylvania New York

Your home is a mix of different spaces, each with its own function. A bedroom should be a retreat and induce relaxation. A study or den should be stimulating, a kitchen must “work,” and common spaces must be unified. While every space has its own purpose and feel, they should also blend together to express a single vision.

That’s why interior design for the home is so challenging, educational and fun. Meeting that challenge is the essence of good design. We mesh your personality with that of your home to produce SPACES which bring out the best in both your home and your feeling of belonging.

Home is where we gather the everyday, the extraordinary, the functional and the luxurious.

The Design Studio of Spaces offers a full range of interior design and home staging services in the New Jersey, New York and Pennsylvania area.

Every design decision is an opportunity and a new challenge at the Spaces Design Studio. It is so easy to lose sight of the purpose of interior design and for the whole process to become a worry. Will the new carpet wear well? How deep should the window treatments be and what lighting is needed in the dining room? Will my area rug go with my existing sofa?

The actual process of decorating can become a thoroughly enjoyable one, too, and we work hard to make it so.

Let the Design Studio of Spaces simplify this process and divide your design project into “bite-sized” portions which will follow a logical pattern making the whole decorating process manageable and comfortable for you. We have a number of services that can help you create the space of your dreams.

Style is an area of great debate and choosing one for your home can cause many dilemmas. Ideally, style should be formed from a combination of the innate style of the home and a reflection of you, the homeowner, rather than from the current opinion of the interior design press or what a previous owner thought fit the home for them and their tastes. Several style ideas have been included in this website to inspire you and to set you off on your journey and discovery.

Mistakes are likely to be expensive or at the very least embarrassing and, rather than failing, many people opt for the less-than-exciting choice of making no interior design decisions at all. That’s no fun!

The most comforting aspect of the designing and redesigning your spaces is that very often there is no wrong or right way of doing things – just degrees of appropriateness, and so long as the results are pleasing to you, that’s all that really matters. To help you understand more about the process of the design Studio of Spaces, and making the very best use of your interior design budget, please take a look at our About Us page or feel free to contact us to arrange a complimentary, 1/2-hour in-studio consultation.


Medicare Supplement Plans in Georgia #what #do #medicare #supplement #plans #cover, #medicare #supplement #plans #in #georgia


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Medicare Supplement plans (Medigap) in Georgia

Medicare Supplement insurance is also called Medigap. It s a plan you can add to Original Medicare to pay for things that Parts A and B don t cover. You ll want to be enrolled in Original Medicare before you add a Medicare Supplement plan.

Medicare Supplement insurance plans help with Medicare costs like your coinsurance, copays, or the Part B deductible. As a Blue Cross and Blue Shield of Georgia member, you ll have also access to our popular fitness program, SilverSneakers starting January 1st.

Is Medicare Supplement insurance (Medigap) right for you?

Yes

  • You’re enrolled in Original Medicare (Parts A and B) and you live in Georgia.
  • You want peace of mind knowing you’ll have help with many of the costs that Original Medicare doesn’t cover.
  • You’d like the flexibility to see any doctor who accepts Medicare, not just the doctors in a network, and without referral.
  • You plan to travel in the United States and want to be able to see any doctor who accepts Medicare.
  • You see a doctor who charges more than the Medicare-approved amount for care.
  • You’d like to buy separate dental and vision insurance once you’re enrolled.

No

  • You’re not enrolled in Original Medicare (Parts A and B).
  • You have coverage from an employer that pays all or some of the costs that Original Medicare doesn’t cover.
  • You have coverage through your union that pays all or some of the costs that Original Medicare doesn’t cover.
  • You’re going to sign up for a Georgia Medicare Advantage plan (Part C).

When should you enroll in a Medicare Supplement plan?

6 months starting the month you turn 65

The best time to add a Medicare Supplement (Medigap) plan is during your open enrollment period. This period lasts six months and begins the first day of the month in which you are 65 or older and enrolled in Medicare Part B. Sign up during this six-month period to lock in the coverage you need for the future.

Medicare Supplement Plan A

A budget-friendly way to get help with your Medicare costs with rates as low as

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits end
  • Medicare Part B coinsurance or copayment
  • Blood (first three pints in each calendar year)
  • Part A hospice care coinsurance or copayment
  • Skilled Nursing Facility care coinsurance
  • Foreign Travel Emergency (after the first $250, 80% up to $50,000)
  • Part A deductible
  • Part B deductible
  • Part B Excess Charges

Shop Plan

Medicare Supplement Plan N

Full coverage for Medicare costs, like deductibles and copays with rates as low as

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits end
  • Medicare Part B coinsurance or copayment
  • Blood (first three pints in each calendar year)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled Nursing Facility care coinsurance
  • Foreign Travel Emergency (after the first $250, 80% up to $50,000)

Medicare Supplement Plan G

Coverage for all Medicare costs except the Part B deductible with rates as low as

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits end
  • Medicare Part B coinsurance or copayment
  • Blood (first three pints in each calendar year)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled Nursing Facility care coinsurance
  • Foreign Travel Emergency (after the first $250, 80% up to $50,000)
  • Part B Excess Charges

Medicare Supplement Plan F

Complete coverage for your Medicare costs plus added benefits with rates as low as

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits end
  • Medicare Part B coinsurance or copayment
  • Blood (first three pints in each calendar year)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled Nursing Facility care coinsurance
  • Foreign Travel Emergency (after the first $250, 80% up to $50,000)
  • Part B deductible
  • Part B Excess Charges

Shop Plan


5 Online Marketing Strategies for a Tight Budget #marketing,online #marketing,budgeting,budget,marketing #plans,marketing #strategies,money #savers,marketing #ideas,building #your #online #presence,budgets


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5 Online Marketing Strategies for a Tight Budget

In a world where attention is currency, it s becoming increasingly more difficult to attract the eyes and ears of your target market. Not only are you up against larger companies with nicely funded marketing departments, you re also competing with social media and a multitude of other distractions for the attention of your prospects.

But that doesn t mean your marketing efforts have to cost a ton of money or be overly dramatic in order to stand out from the crowd. Here are five creative and inexpensive ways to market your business in a digital world:

1. Get endorsed by a local celebrity.
Many business owners dream of having their product or service endorsed by a global celebrity. But instead of trying to get a superstar to support your business, try seeking out a local celebrity instead.

Who exactly are local celebrities? These are people your local paper is writing about — perhaps an unsung hero such as a teacher or a resident who s doing something positive and newsworthy. Since they re in your neighborhood, these people should be relatively easy to locate and contact by phone or e-mail. Let them know you d like to send them a gift, namely your product or service.

The only catch: you d like to follow up with them in a few days to get their honest feedback. Their responses can make for useful blog or marketing content.

2. Create a LinkedIn group.
Not only is a LinkedIn group free to create, it can enable you to offer your professional network a vibrant, useful information resource all while driving traffic to your site and increasing sales. Just don t use the platform to hard sell anyone.

It can take time and effort to get one going, but the goal should be to help provide resources and start discussions on topics that can benefit your community. Groups should also be a place for your members to network with other professionals online.

3. Get published on niche blogs.
While it may be difficult to get on the front cover of a major magazine, you can create marketing strategies and opportunities by being featured in a popular niche blog. Identify three to five blogs that target your market then contact the creator and offer a few ideas of how you d like to bring value to his or her readers. You can:

  • Demonstrate good will by offering the niche blog owner a small amount of your product or service for free, which they can give away to their audience as a gift. This is different than a product review, which only offers information.
  • Send ideas for blog posts you d like to write and explain why they would be helpful for their readers.
  • Ask if you can interview them for your site. This might entice the blog manager to promote your content since it highlights his or her business.

4. Create videos for YouTube.
With more than 800 million unique visitors a month, YouTube can be a powerful platform for marketing a business online. To do so, go beyond simply posting random videos of your product or sharing your thoughts.

The marketing videos you create should include the following elements:

  • A keyword-researched headline
  • A clear editorial message (don t try to accomplish too much in one video)
  • A call to action (tell the viewer to do something, such as subscribing to your channel)

While you can spend a small fortune on cameras, lighting equipment and editing software, the camera built into your smartphone should be able to capture suitable online video. As for editing, if you re on a Mac, for instance, you should already have iMovie in your applications. Even if you don t have a Mac you can find free software online or hire a professional editor on sites such as Fiverr.com, possibly for as little as $5 depending on the scope of the work.

5. Write an e-book about the biggest issues in your industry.
No longer do you need a publishing company or thousands of dollars to get distribution for a book. Amazon, for instance, will let you upload a digital book for free, with a 33 percent take on every sale. The goal is not to make a profit from direct book sales but to use it as a lead generation tool, encouraging readers to opt into your website for further information.

Even time-strapped entrepreneurs who aren t great writers should consider this. You can search sites like E-lance or Odesk to hire an affordable ghostwriter who can help you convert your blog posts or audio recordings into book format.

When it comes to marketing your book, set the price between $1 and $5 — which makes it affordable — then use social media, video marketing and e-mail list marketing to promote it. To generate more leads, keep in mind that Amazon allows prospective buyers of your book to take a sneak peek of the first few pages. Be sure to embed links into these early pages so you can capture leads from people who were interested but didn t wind up buying your book.

Lewis Howes


Largo Florida Family Law Attorney #largo #florida #family #law #attorney #| #florida #law #divorce #attorney, #parenting #plans, #child #support, #guardianship, #adoption #| #largo #florida #attorney #catherine #hult


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  • Marital and Family Law
  • Divorce
  • Paternity
  • Enforcement of Final Judgments
  • Modification of Final Judgments
  • Contempt Proceedings
  • Civil Litigation Involving Family
  • Declaratory Judgment Actions
  • QDROs for Retirement Plans
  • Prenuptial and Postnuptial Agreements
  • Parenting Plans
  • Parental Relocatoin
  • Child Support
  • Support Unconnected with Dissolution of Marriage
  • Cohabitation Agreements
  • Adult and Minor Guardianships
  • Adult and Stepparent Adoption
  • Emancipation
  • Individual and Family Name Change
  • Guardian Ad Litem
  • Family Mediation
  • Premarital Counseling
  • Marriage Reconciliation Counseling
  • Estate Planning

ADMISSION TO PRACTICE LAW. Florida, 2001, and Illinois, 1994

RADIO PROGRAM. Host of LEGAL TALK live call-in radio show every Saturday

morning 7:00 – 8:00 AM on AM 820 WWBA in the Tampa Bay area and available

THE FLORIDA BAR. Appointed to The Florida Bar Client’s Security Fund Committee,

2007 to present; Appointed Vice Chair of the Client’s Security Fund Committee, 2009;

Appointed to The Florida Bar Standing Committee on UPL, 2003 – 2006

PROFILES AWARDS. Who’s Who in American Law , 2009-2010; Who’s Who of

American Women , 2008-2009; Who’s Who in America , 2009; Who’s Who in

American Law , 2007 – 2008; America’s Registry of Outstanding Professionals, 2005 –

2006; American Biographical Institute’s Hall of Fame for Distinguished

Accomplishments, 2009; American Biographical Institute’s Woman of the Year, 2007;

American Biographical Institute’s Professional Woman’s Advisory Board, 2007

HEARING OFFICER. Juvenile Arbitration Diversion Program and Juvenile

Arbitration Felony Diversion Program S.T.O.P. (Service and Treatment

for Offender Prevention), Pinellas County Court Diversion Program for

juvenile misdemeanor or felony offenders, 2003 to 2008

JUDGING EXPERIENCE. Judge, AAJ Mock Trial Competition, Stetson Law School,

2009; Judge, National Championship Intercollegiate Mock Trial Tournament, 2007;

Judge, National Intercollegiate Moot Court Competition, 1998 – 2001

ARBITRATOR. Mandatory Arbitration Division, Cook County, Illinois, 1997-2003

LAW SCHOOL. Loyola University School of Law, J.D. 1994; Loyola Law

Journal, Senior Member; Phi Alpha Delta Law Fraternity; American

Jurisprudence Award in Products Liability; American Jurisprudence Award

in Law and Poverty.

UNDERGRADUATE. Indiana University, B.A. 1988, with Honors in Biology; Phi

Beta Kappa; Golden Key National Honorary Society; Alpha Phi Sorority; Host of WIUS

live call-in radio show; IU Fencing Team

LEGAL MEMBERSHIPS. The Florida Bar; Clearwater Bar Association; St.

Petersburg Bar Association; Pinellas Mid-County Bar Association; Illinois

State Bar Association; American Bar Association; ABA Advisory Panel;

Florida State Guardianship Association; Guardianship Association of

OTHER MEMBERSHIPS. Phi Beta Kappa Alumni Association of Greater

Tampa Bay; American Association of University Women; Florida Supreme

Court Historical Society; National Association of Realtors; Florida Association of

Realtors; Pinellas Realtor Organization

OTHER LICENSURE. Notary Public, Florida; Licensed Real Estate Broker, Florida;

Licensed Real Estate Salesperson, Illinois

COUNTIES SERVED. Pinellas, Hillsborough, Polk, Pasco, Hernando, and Other Florida

Counties by Special Request

CONSULTATION. Contact Attorney Catherine Hult at (727) 586-3306 Ext. 112, or by


Appliance Repair Plans #home #appliance #service #plans


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With the Midwest’s humid summers and harsh winters, it’s inevitable that appliance breakdowns will happen — and often at the worst time. Don’t be left in the cold without a furnace or unexpected, pricey appliance repair bills. HomeSmart’s Appliance Repair Plan is here to protect your home and household budget all year long!

Basic Plan – $14.95 a Month

The Basic Appliance Repair Plan covers all costs to repair your basic appliances — furnace, water heater, range and clothes dryer. That’s right. No trip, labor, or part charges for any covered appliance on our repair plan. Compare and you’ll see — HomeSmart offers better pricing, coverage, and service than any other local appliance protection plans. Being able to rest easy is just a simple plan away.

Premium Plan (includes appliance replacement coverage!) – $41.75 a Month

The Premium Plan covers your furnace or boiler, water heater, range, clothes dryer, dishwasher, clothes washer, refrigerator, central air conditioner and Replacement Helper Coverage (if appliance is not repairable, partial reimbursement for replacement).

BUDGET CONTROL

Break down the cost of typical appliance repairs and you will see, signing up for HomeSmart’s Appliance Repair Plan is really a matter of dollars and sense.

AVERAGE REPAIR COSTS:

Testimonial

“Mike Moe came over to talk with us about options for replacing our furnace. He was very knowledgeable about the products and options that were available. The whole process was painless and easy. From beginning to end, we received oustanding customer service from everyone involved. Thank you so much for all your efforts and we will definitely recommend HomeSmart and K.B. Service to our family and friends.”
-Jeff and Mary, Roseville

HomeSmart from Xcel Energy is not regulated by Minnesota Public Utilities Commission.
xcelenergy.com Privacy Policy | 2017 XCEL ENERGY INC. ALL RIGHTS RESERVED.


Cigna Medicare Supplement Insurance #medicare #supplement #plans, #medicare #supplements, #medicare #supplemental #insurance, #supplemental #health #insurance, #medicare #supplement #insurance, #medicare #supplemental #plans, #medicare #supplement #plan, #medicare #information, #medicare #supplemental #coverage, #cigna #medicare #supplement, #


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MEDICARE SUPPLEMENT PLANS AND MORE COVERAGE OPTIONS

WHAT IS A MEDICARE SUPPLEMENT INSURANCE PLAN?

Medicare Supplement insurance is private health insurance offered by insurance companies to help you pay about 20% of the Part B medical expenses that Original Medicare doesn’t cover. Medicare Supplement insurance plans, also known as Medigap plans, are standardized by the government, which means that all plans have exactly the same basic benefits, regardless of which insurance company you choose. Compare Medicare Supplement Plans

Important Notice:
In Colorado, Delaware, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Missouri, Mississippi, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee and Vermont, all Medicare Supplement plans are available to persons eligible for Medicare because of disability.

Medicare Supplement website approved for use in: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Mississippi, Missouri, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Vermont, West Virginia and Wyoming.

Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products. In some states, Medicare Supplement plans are available to disabled individuals under age 65 that are eligible for Medicare.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including American Retirement Life Insurance Company, Loyal American Life Insurance Company, Cigna Health and Life Insurance Company, and Cigna Dental Health, Inc. In Texas, the Dental plan is known as Cigna Dental Choice, and the plan uses the national Cigna DPPO network. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.


Verizon Introduces 60, 80, and 100GB Small Business More Everything Plans #verizon #wireless #small #business #plans


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Post navigation

Verizon Introduces 60, 80, and 100GB Small Business More Everything Plans

Small business owners, starting today, you now have three new MORE Everything plan options from Verizon to choose from. The plans include 60GB, 80GB, and 100GB shareable data packages, along with connectivity of up to 50 devices, the most offered on any small business mobile plan at this time.

These plans also include unlimited domestic and international messaging while in the US, plus unlimited voice. If you need to call Canada or Mexico, shared voice minutes can be added on for an additional charge.

Small businesses also get the following benefits in MORE Everything plans:

  • The Mobile Hotspot feature on capable devices so teams can create Wi-Fi hotspots when needed to stay productive.
  • 25 GB of Verizon Cloud storage per device on the account. Accidents sometimes happen at work if a device gets lost or destroyed, important files stored to the cloud can be recovered.
  • Access to corporate email using Microsoft Exchange ActiveSync or IBM Lotus Notes Traveler so business teams can keep their inboxes and calendars synced while mobile.
  • Connectivity to the nation s most reliable wireless network so users can call important clients when needed and share key documents or large files quickly among coworkers.

Verizon did not announce pricing for these new plans, but once that information becomes available, this post will be updated.

Update. A source told us that the price breakdown is as follows 60GB for $450, 80GB for $600, and 10GB for 750.

Via: Verizon

Post navigation

annoyed Verizon customer

I added more data. Other than using facebook and uploading pictures to the cloud I ve done nothing different. Then I received my Verizon bill of $330 for going over data. Really! Now im trying g to understand the purpose of having a smartphone to take pictures. Im very annoyed and cannot afford the overage fees that I ve never had in the past and have used Verizon. For many years.

Typo in the update. Should be 100GB not 10

10GB for 750. Well that s a bummer

..and 10GB for 750. Sounds about right for Verizon.

These are the business version of steal more from everyone plans

60GB for $450, 80GB for $600, and 10GB for 750.

Updates gone wrong.

10GB for 750 is not a very good deal.

I understand your pain. Fortunately for us, our company still pays VZW the same rates we ve been paying for the past 10+ years. $24/month unlimited data for phones, tablets, or hotspots. And we get annual upgrades and 25% discount on equipment. Our verizon rep says they don t have plans to change our rates. 10 years ago we bid it out, and VZW came back with the best rates. They also happen to have the best coverage in our area (Texas). Our employees are even able to get personal lines from VZW at the same corporate discount rate.

I guess the one advantage to all of this is that the more people they get on all of these tiered plans, the less likely they are to care about the relatively few people that still have unlimited data. Which is good for the 3 lines I have with unlimited data, because I only pay $10 a month per line for unlimited data.

Keeping my $30 unlimited till they kick me off the network.

About Droid Life

We consider ourselves to have the greatest Android community in the world, here at Droid Life. We talk general news, feature apps, review phones, and even teach you how to hack a little. But most importantly, there is no place on the internet that has the reader participation that we do and consider ourselves to be completely community driven. If you were looking for the best place to learn about Android and talk with like-minded folks about all things tech, then Droid Life is for you.

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Medicare Plans #aarp #medicare #plans, #medicare #plans, #aarp #medicare


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Disclaimer and Medicare Complaint Form

Medicare Advantage Plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll.

AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals.

The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, co-payments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year.

The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

This information is available for free in other languages. Please contact Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese comuníquese con nuestro Servicio al Cliente.

Medicare beneficiaries may enroll in AARP MedicareComplete Plans, insured through UnitedHealthcare, through the CMS Medicare Online Enrollment Center located at www.medicare.gov

Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

Medicare prescription drug plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. AARP MedicareRx Plans carry the AARP name, and UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. You do not need to be an AARP member to enroll. AARP and its affiliates are not insurers. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Premium and/or co-payments/co-insurance may change on January 1 of each year.

You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

This information is available for free in other languages. Please contact Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese comuníquese con nuestro Servicio al Cliente.

Medicare beneficiaries may enroll in AARP MedicareComplete Plans, insured through UnitedHealthcare, through the CMS Medicare Online Enrollment Center located at www.medicare.gov

Medicare evaluates plans based on a 5-Star rating system. Star Ratings are assessed each year and may change from one year to the next.

If you would like to provide feedback regarding your Medicare plan, you can contact Customer Service toll-free at 1-877-699-5710(TTY: 711),8 a.m. – 8 p.m. local time, 7 days a week or you can provide feedback directly to Medicare through their Complaint Form about your Medicare health plan or prescription drug plan.

Please read the UnitedHealthcare Non-Discrimination Notice (PDF) ([[pdf:/content/dam/UCP/Individual/Non-Discrimination_Form_AARPMP_Long.pdf]]).


Smart emr #emr, #ehr, #practice #management #and #electronic #medical #records #system, #case #management #system, #chronic #care #management, #ccm, #disease #management #system, #health #care #information #technology, #care #management, #data #warehouse, #erx #system, #hedis/star #ratings, #hra/care #plans, #care #transitions, #care #coordination, #ccm, #provider #contract #management #& #credentialing, #long #term #care #system, #health #care #analytical #data #warehouse #and #reporting #system #


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Welcome to MDFlow Systems

MDFlow Systems is a premier Healthcare Information Technology (HIT) company. We utilize leading technologies to deliver integrated, high quality and cost effective information systems to healthcare providers and organizations. Our Healthcare Information Technology systems and solutions are designed to fit the needs of the healthcare industry, ranging from solo physician-practitioners who want to go paper-less to large health organizations that need enterprise wide health care information systems.

Our Care Management System is a patient-centric, integrated and user-friendly case and disease management software. It enables healthcare management organizations to implement a system that follows the industry standards and guidelines of the case and disease management, as well as meets the specific needs and requirements of each individual health organization.

Our EHR and Patient Care Workflow Management System can help healthcare providers to transform their practices to paper-less practices and streamlines the flow of information throughout the patient’s medical care lifecycle. It gives doctors more time to focus on patient care instead of paperwork and improve the efficiency, quality and profits of the practices.

Our Telemedicine feature – MDFlow Patient FaceTime enables health care providers and case managers to communicate with their patients real-time from anywhere via PCs, Laptops, Smart Phones and Tablets. It is fully integrated into our EHR and Care Management System. We can also offer our Telemedicine feature as a standalone module, and it can be easily integrated with other healthcare information systems, such as EHRs.

The MDFlow EHR and Patient Care Workflow Management System (version 5.0) has achieved ONC HIT 2014 Edition modular EHR certification. The certification designates that the software is capable of supporting eligible providers with meeting the Stage 1 and Stage 2 Meaningful Use measures required to qualify for funding under the American Recovery and Reinvestment Act (ARRA). MDFlow EHR and Patient Care Workflow Management System (version 5.0) was certified by ICSA Labs, an Office of the National Coordinator-Authorized Certification Body (ONC-ACB) and is compliant in accordance with applicable criteria adopted by the Secretary of Health and Human Services (HHS).

When you need assistance or help, you can count on us. A LIVE and FRIENDLY support staff will answer your call within 3 rings!

Let us show you how we can transform your practice or healthcare organization.