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These S.id links are perfect for social media campaigns, email marketing, and other promotional activities. Designed to help businesses, influencers, and creative individuals create a professional presence on the web without the need for technical skills. Unfortunately, the footnote ends there, so there's not much in the way of detail about what these restrictions are or how long they'd remain in effect in a potential post-acquisition world. Given COD's continued non-appearance on Game Pass, you've got to imagine the restrictions are fairly significant if they're not an outright block on COD coming to the service. Either way, the simple fact that Microsoft is apparently willing to maintain any restrictions on its own ability to put first-party games on Game Pass is rather remarkable, given that making Game Pass more appealing is one of the reasons for its acquisition spree. The irony of Sony making deals like this one while fretting about COD's future on PlayStation probably isn't lost on Microsoft's lawyers, which is no doubt part of why they brought it up to the CMA. While it's absolutely reasonable to worry about a world in which more and more properties are concentrated in the hands of singular, giant megacorps, it does look a bit odd if you're complaining about losing access to games while stopping them from joining competing services. You have choices when you shop for health insurance. If you're buying from your state's Marketplace or from an insurance broker, you'll choose from health plans organized by the level of benefits they offer: bronze, silver, gold, and platinum. Bronze plans have the least coverage, and platinum plans have the most. If you are under 30, you may also be able to buy a high-deductible, catastrophic plan. How are the plans different? Each one pays a set share of costs for the average enrolled person. The details can vary across plans. In addition, deductibles -- the amount you pay before your plan picks up 100% of your health care costs -- vary according to plan, generally with the least expensive carrying the highest deductible.
You will also see insurance brands associated with the care levels. Some large national brands include Aetna, Blue Cross Blue Shield, Cigna, Humana, Kaiser, and United. Each insurance brand may offer one or more of these four common types of plans:
Take a minute to learn how these plans differ. Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. To learn the specifics about a brand's particular health plan, look at its summary of benefits. Health Maintenance Organization (HMO)An HMO delivers all health services through a network of healthcare providers and facilities. With an HMO, you may have:
What doctors you can see. Any in your HMO's network. If you see a doctor who is not in the network, you'll may have to pay the full bill yourself. Emergency services at an out-of-network hospital must be covered at in-network rates, but non-participating doctors who treat you in the hospital can bill you. What you pay: Paperwork involved. There are no claim forms to fill out. With a PPO, you may have: What doctors you can see. Any in the PPO's network; you can see out-of-network doctors, but you'll pay more. What you pay:
Paperwork involved. There's little to no paperwork with a PPO if you see an in-network doctor. If you use an out-of-network provider, you'll have to pay the provider. Then you have to file a claim to get the PPO plan to pay you back.
With an EPO, you may have: What doctors you can see. Any in the EPO's network; there is no coverage for out-of-network providers. Paperwork involved. There's little to no paperwork with an EPO. A POS plan blends features of an HMO with a PPO. With POS plan, you may have: What doctors you can see. You can see in-network providers your primary care doctor refers you to. You can see out-of-network doctors, but you'll pay more. What you pay: Paperwork involved. If you go out-of-network, you have to pay your medical bill. Then you submit a claim to your POS plan to pay you back. If you are under the age of 30 you can purchase a catastrophic health plan. With a catastrophic health plan you may have: What doctors you can see. Any in the plan’s network; individual plans may have additional rules on specialists. What you pay: Paperwork involved. You will want to keep track of your medical expenses to show you have met the deductible. Similar to a catastrophic plan, you may be able to pay less for your insurance with a high-deductible health plan (HDHP). With an HDHP, you may have: What doctors you can see. This varies depending on the type of plan -- HMO, POS, EPO, or PPO What you pay: You can set up a Health Savings Account to help pay for your costs. The maximum you can contribute to an HSA in 2022 is $3,650 for individuals and $7,300 for families. You can contribute an additional $1,000 if you are 55 or older. Paperwork involved. Keep all your receipts so you can withdraw money from your HSA and know when you've met your deductible. SOURCES: Fair Health, Inc.: "Alphabet Soup of Health Plans" and "Understanding High-Deductible Health Plans." The Henry J. Kaiser Family Foundation. “Health Reform FAQs: Marketplace Eligibility, Enrollment Periods, Plans and Premiums.” Society for Human Resource Management: “For 2015, Higher Limits for HSA Contributions and Deductibles.” Internal Revenue Service. Life and Health Insurance Foundation for Education: "What are the Different Types?" Minnesota Medicine, February 2011: "Five Payment Models: The Pros, the Cons, the Potential." Office of Personnel Management: "Healthcare Plan Information" and "2013 High-Deductible Health Plans with Health Savings Accounts/Health Reimbursement Arrangements." U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality: "Choosing a Health Plan." |