A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or “Evidence of Coverage” booklet for private insurance, or in a national [health policy] for public insurance.
(US specific) In the U.S., there are two types of health insurance – tax payer-funded and private-funded. An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company “doesn’t engage in the act of insurance”, they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer’s Plan Fiduciary. If still required, the Fiduciary’s decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.
The individual insured person’s obligations may take several forms:
Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses. Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.(TS 4:03)
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor’s visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor’s visits or prescriptions against your deductible.
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan’s maximum payment for a specific service. In addition, some insurance company schemes have annual
Create hilarious lip sync videos with a single selfie.
WOMBO is the world’s best AI-powered lip sync app.
All you have to do is add a selfie, pick a song, and let WOMBO work its magic. The result? Videos that are hilarious, bizarre, fun, and ready to go viral. No singing lessons required.
Updated on 2 May 2021
Downloads 10,00,000 +
Offer by Wombo studio inc
We love this. It’s a fun app and my friends were delighted when I surprise them with their pictures singing. It needs more Female songs as majority of the songs are for males at this time. Please add more women singers. There are times the app closes suddenly so probably there’s issues or bugs need fixed. Also If you guys can modify or add to the app that the pictures we select be in the memory so we don’t have to upload and crop pictures every time. Thanks more power to the developers.
The app is fun and the results are amazing. If it were consistent I’d give it a 5-star review. The processing times are awfully long, which wouldn’t be much of a problem if you got the results at the end. But, besides the long waits, it feels like a lottery as it has a high rate of failed attempts right now. I’m guessing it’s a server problem and I would really recommend you get a better one as this app has a real potential to become viral. The only reason I didn’t go premium is because I don’t feel confident I’ll be able to use the app as frequently as I would want, considering the current situation.
Make your selfie sing
Believe it or not, it only requires you to take or upload a selfie to lip-sync the music you want. Afterward, Wombo will magically return an animated video wherein you are seen singing the song you picked. You will be stunned as to how it manages to vivify the eyes, mouth, and body that emulates human movements. Although, this actually comes at a cost of long processing time.
Once satisfied with the outcome, you can save it into your gallery to share it on various social media platforms. There is an option available for you to directly send it from the app to your friend. If you have privacy concerns with the data it collects, this app guarantees that the photos you use are not saved on the server