ИСО – Международная организация по стандартизации, iso claim search.#Iso #claim #search


Новости

Iso claim search

Iso claim search

Iso claim search

Iso claim search

Будьте в курсе актуальных новостей ИСО

Подписывайтесь на наши новости, обзоры, а также на информацию о продуктах

Iso claim search

Ежегодные отчеты

Iso claim search

События

В этом месяце в ISOfocus

Iso claim search

The art of governing

ISOfocus

Выходящий 6 раз в год на английском и французском языках, журнал ISOфокус – ваш проводник в мире международной стандартизации.

Идет ли речь о проблемах международной корпорации или поиске идей малым предприятием, ISOфокус стремится предоставить концепции, которые будет полезны как для стратегического планирования, так и частные детали, которые могут стать основой для существенных изменений.

Международные вопросы охватывают все темы, начиная от ИТ и транспорта до персональных историй. Наша цель – в каждом выпуске донести до вас качественную информацию и самые актуальные и универсально применимые решения в области стандартизации.


Iso claim search, iso claim search.#Iso #claim #search


Claim Procedures

We have appointed HealthSmart to administer our insurance plans and handle our claims. The company helps in achieving and maintaining maximum control over the cost of health care. HealthSmart will help you get the benefits you deserve at low negotiated rates, according to your insurance plan. The company offers 24/7 online claims status report and multilingual representatives dedicated to the special needs of international students.

If you are a student and you ve fallen ill or injured, please seek help at your school s Student Health Center first. If not available or no longer a student, please proceed to a doctor office or hospital. You may find doctors and hospitals in your area at: First Health or Multiplan.

Present your Insurance ID card (which can also be found in your confirmation email or in your online account) to the doctor or hospital receptionist.

Having provided a copy of your insurance card, please ensure that the doctor, clinic or hospital will file a claim form on your behalf.

In case the medical service provider did not file a claim on your behalf, please fill out the Claim Form and send the completed form, including all itemized bills, statements and receipts, to our claims administrator, HealthSmart. Please do so as soon as possible, but no more than 90 days after the medical event. The Company maintains its right to investigate and verify that the eligibility requirements have been met for claims processing purposes.

Iso claim search

The completed claim form and documentation can either be emailed to [email protected] or mailed to:

HealthSmart, 3320 West Market Street, Suite 100, Fairlawn, OH 44333

You may check the status of your filed claim online 24 hours a day here. Please note that while most claims are processed within 10 business days, some claims may take up to 30 days to process.

You may also call our claims administrator: (800) 203-4720 between 8:00 A.M. and 5:00 P.M. EST Monday through Friday or e-mail to: [email protected] for status update.

If you are traveling outside the U.S. and need 24 hours assistance in case of sickness or injury, please contact On Call:

Online claim status is available 24 hours a day here!

Iso claim search Iso claim search Iso claim search

ISO Insurance is the manager and sole provider of ISO insurance plans to international students in many Universities. ISO offers its renowned plans: ISO COMPASS insurance – the leading F1 health insurance, COMPASS Gold Insurance, COMPASS Silver, ISO Med plans, J1 Exchange plan – the leading J1 health insurance, ISO-Care and ISO-Share an ACA comparable health insurance plan for international students. ISO international student insurance plans are the leading international student health insurance plans in US universities and colleges. International students who need ISOA international student insurance can find international students insurance at isoa.org (not to be confused with iso.org insurance or iso.com insurance). With ISO insurance for international students ISOA fulfills its goal of providing health insurance for international students in USA. Plans are mostly offered to F1 visa students and J1 visa holders. ISO insurance plans are also offered to non-U.S. citizens who are seeking visitor health insurance plans and dependent visitor medical insurance for non-U.S. citizens. ISO insurance for international students is suitable for students on OPT, international students after graduation and ESL students. In addition to student health insurance ISO also offers medical insurance for international students. International students should also check the benefits of the International Student Organization, such as newsletters, information about scholarships and grants and more attractive services and savings available are available at www.intlstudent.org. Remember: advise your university to contact ISO Insurance for the best international student medical insurance. Tell them that ISOA insurance is the answer!

ISO 留学生健康医疗保险致力于为国际学生提供不同种类的短期保险计划,以满足留学生的特殊保险需求。该公司从成立以来,一直秉承不变的理念是:为国际学生提供经济实惠的保险方案。 在美国留学必须要有健康保险,ISO 的保险计划能为留学生在美期间提供安全保障。深受广大留学生欢迎的计划有:Compass 黄金计划,Compass 白银计划,ISO Med,和Shield 500计划。这些保险计划满足大多数美国大学对F1留学生和J1交换生的要求。有些学校对保险有特殊要求, ISO推出的保险计划不仅能顺利waive掉学校的保险,价格上又很便宜,能为你节省近几千刀的支出。如果对waiver流程有问题,可以关注ISO微信微博公众号或学校中国学生会相关论坛查看攻略,或者通过学校国际留学生办公室的官方网站了解学校的保险政策。持有J1签证的访问学者在美国交流期间也必须购买医保,ISO的J1计划满足美国联邦政府出台的政策需求。对于已经毕业,处于OPT期间或者正在等待EAD卡的学生,ISO的两个OPTima计划是最好的选择。如果您是非留学的美国访客,持有B1和B2旅游签证、作为学生家属的F2和J2签证、或者H1B工作签证,可以购买Voyager计划。


Iso claim search, iso claim search.#Iso #claim #search


Claim Procedures

We have appointed HealthSmart to administer our insurance plans and handle our claims. The company helps in achieving and maintaining maximum control over the cost of health care. HealthSmart will help you get the benefits you deserve at low negotiated rates, according to your insurance plan. The company offers 24/7 online claims status report and multilingual representatives dedicated to the special needs of international students.

If you are a student and you ve fallen ill or injured, please seek help at your school s Student Health Center first. If not available or no longer a student, please proceed to a doctor office or hospital. You may find doctors and hospitals in your area at: First Health or Multiplan.

Present your Insurance ID card (which can also be found in your confirmation email or in your online account) to the doctor or hospital receptionist.

Having provided a copy of your insurance card, please ensure that the doctor, clinic or hospital will file a claim form on your behalf.

In case the medical service provider did not file a claim on your behalf, please fill out the Claim Form and send the completed form, including all itemized bills, statements and receipts, to our claims administrator, HealthSmart. Please do so as soon as possible, but no more than 90 days after the medical event. The Company maintains its right to investigate and verify that the eligibility requirements have been met for claims processing purposes.

Iso claim search

The completed claim form and documentation can either be emailed to [email protected] or mailed to:

HealthSmart, 3320 West Market Street, Suite 100, Fairlawn, OH 44333

You may check the status of your filed claim online 24 hours a day here. Please note that while most claims are processed within 10 business days, some claims may take up to 30 days to process.

You may also call our claims administrator: (800) 203-4720 between 8:00 A.M. and 5:00 P.M. EST Monday through Friday or e-mail to: [email protected] for status update.

If you are traveling outside the U.S. and need 24 hours assistance in case of sickness or injury, please contact On Call:

Online claim status is available 24 hours a day here!

Iso claim search Iso claim search Iso claim search

ISO Insurance is the manager and sole provider of ISO insurance plans to international students in many Universities. ISO offers its renowned plans: ISO COMPASS insurance – the leading F1 health insurance, COMPASS Gold Insurance, COMPASS Silver, ISO Med plans, J1 Exchange plan – the leading J1 health insurance, ISO-Care and ISO-Share an ACA comparable health insurance plan for international students. ISO international student insurance plans are the leading international student health insurance plans in US universities and colleges. International students who need ISOA international student insurance can find international students insurance at isoa.org (not to be confused with iso.org insurance or iso.com insurance). With ISO insurance for international students ISOA fulfills its goal of providing health insurance for international students in USA. Plans are mostly offered to F1 visa students and J1 visa holders. ISO insurance plans are also offered to non-U.S. citizens who are seeking visitor health insurance plans and dependent visitor medical insurance for non-U.S. citizens. ISO insurance for international students is suitable for students on OPT, international students after graduation and ESL students. In addition to student health insurance ISO also offers medical insurance for international students. International students should also check the benefits of the International Student Organization, such as newsletters, information about scholarships and grants and more attractive services and savings available are available at www.intlstudent.org. Remember: advise your university to contact ISO Insurance for the best international student medical insurance. Tell them that ISOA insurance is the answer!

ISO 留学生健康医疗保险致力于为国际学生提供不同种类的短期保险计划,以满足留学生的特殊保险需求。该公司从成立以来,一直秉承不变的理念是:为国际学生提供经济实惠的保险方案。 在美国留学必须要有健康保险,ISO 的保险计划能为留学生在美期间提供安全保障。深受广大留学生欢迎的计划有:Compass 黄金计划,Compass 白银计划,ISO Med,和Shield 500计划。这些保险计划满足大多数美国大学对F1留学生和J1交换生的要求。有些学校对保险有特殊要求, ISO推出的保险计划不仅能顺利waive掉学校的保险,价格上又很便宜,能为你节省近几千刀的支出。如果对waiver流程有问题,可以关注ISO微信微博公众号或学校中国学生会相关论坛查看攻略,或者通过学校国际留学生办公室的官方网站了解学校的保险政策。持有J1签证的访问学者在美国交流期间也必须购买医保,ISO的J1计划满足美国联邦政府出台的政策需求。对于已经毕业,处于OPT期间或者正在等待EAD卡的学生,ISO的两个OPTima计划是最好的选择。如果您是非留学的美国访客,持有B1和B2旅游签证、作为学生家属的F2和J2签证、或者H1B工作签证,可以购买Voyager计划。


AMSOIL Synthetic Anti-Wear Hydraulic Oil – ISO 46, iso claim search.#Iso #claim #search


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    Join our community of enthusiasts who share your passion for driving, wrenching and building.

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    Medicare denial codes, reason, action and Medical billing appeal, search claim number.#Search #claim #number


    Medicare denial codes, reason, action and Medical billing appeal

    Medicare denial codes, reason, remark and adjustment codes.Medicare, UHC, BCBS, Medicaid denial codes and insurance appeal. Sample appeal letter for denial claim. CO, PR and OA denial reason codes codes.

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    Wednesday, October 11, 2017

    Wheelchair CPT code list

    Procedure Code Description Rate

    K0001 STANDARD WHEELCHAIR $491.58

    K0815 POWER WHEELCHAIR, GROUP 1 STANDARD, SLING/SOLID SEAT AND BACK, PATIENT WEIGHT CAPACITY UP TO AND INCLUDING 300 $3,164.67

    Friday, September 8, 2017

    Getting Authorization for inpatient hospital visit

    PRIOR AUTHORIZATION CERTIFICATION EVALUATION REVIEW (PACER)

    Reconsiderations The attending physician/dentist or the hospital may request reconsideration of the adverse determination of the ACRC regarding the need for admission, readmission, transfer, or continued stay. This reconsideration right applies regardless of the current hospitalization status of the beneficiary. Reconsiderations must be requested within three business days of the adverse determination. (Refer to the Directory Appendix for ACRC contact information.) If requested by the ACRC, the provider must provide written documentation. The provider is notified of the reconsideration decision within one business day of receipt of the request or the date of receipt of written documentation. If the initial adverse determination is overturned, the adverse determination is considered null and void. If the initial adverse determination is upheld or is modified in such a manner that some portion of the hospital care is not authorized, the hospital is liable for the cost of care provided from the date of the initial determination, unless this determination is overturned in the Medicaid appeals

    If the ACRC does not authorize the admission or the continued stay for an admission and the beneficiary remains in the hospital for one or more days after Medicaid payment is not authorized, the hospital is at risk of Medicaid nonpayment for those days. The provider may request post-discharge review by the ACRC, regardless of whether reconsideration was requested on the case, in writing within 30 calendar days of the discharge from the hospital. A copy of the medical record must accompany the post-discharge review request.

    case is in the reconsideration, post-discharge review, or formal appeals process. Submission of such a claim does not imply acceptance of the ACRC determination.

    A. ADMISSIONS/READMISSIONS/TRANSFERS THAT REQUIRE A PACER NUMBER

    ** Medicaid beneficiaries enrolled in a Medicaid Health Plan (MHP). (Authorization must be obtained through the MHP.)


    Find Missing Money Now: Nationwide Unclaimed Property Search, search claim number.#Search #claim #number


    search claim number

    Search claim number

    “Find and Claim Money For You & Your Family”

    Looking for unclaimed money? Enter your name into the search box below. If funds do not show for you. be sure to try your family members too! After you’ve entered your name – Click on the “Start My Search” button below:

    CashUnclaimed is a private source of unclaimed money records from all 50 states & many Federal agencies. We are not an official government agency.

    Because we’re not a government agency, it allows us to collect information from a huge variety of sources. So instead of having to search dozens of government sites to find your money – you can search all these records from one location on our site.

    Believe it or not, there is no single government unclaimed money search for all these sources. That’s what makes our search so valuable!

    When you perform a free trial search we display the total dollar amount in unclaimed funds that we show reported by the appropriate government agencies. This does not guarantee that this money is 100% absolutely yours. What it means is that there is that total dollar amount shown by government agencies under your name and common variations of your name. It means there are funds matching your name and they are eligible to be claimed. The dollar total we display is the actual total amount we have listed in our database. You will need to perform your own due-diligence & verify these funds listed are for you and not for someone else who shares a name with you.

    Our optional paid premium subscription goes FAR beyond a simple database search. We will help you with the entire claims process! We provide complete instructions, guides, sample claim forms & instructional ebooks to assist you with the claims process. We even provide a live session with an asset recovery specialist to help you through what can be a complicated & confusing process. For more information please read the page linked to below for a complete explanation of how our site works:

    Enter your first and last name in the form above. We will search our entire lost money database and return the amount of unclaimed money we locate which may belong to you.

    CashUnclaimed.com contains one of the largest databases for unclaimed money in the world. Our current database lists billions of dollars in unclaimed money, property, accounts and assets from all 50 states and several Federal agencies that could belong to you .

    Find unclaimed money property and assets for yourself, your family and friends. You will have unlimited access to our unclaimed funds property records for the life of your subscription. Many people have found money with unclaimed and lost money searches just like this one. Unclaimed funds searches like this have even been featured on T.V.

    Unclaimed Property may be located throughout various different states, federal agencies and organizations. It is tedious to look through all of them individually, With CashUnclaimed it’s easy for you to search ever single one of them with one easy to use search feature. We’ll look through over 300 million potential claims every time you do a search!

    Once you find a match, we give all our members complete instructions including help documents, ebooks & sample claim forms to assist you with the process of claiming your funds once you locate them.

    After you become a member we’ll also provide you with one complementary full-service live 1-on-1 session with our professional money detectives. They know how to find ALL your available money and not miss a thing! This goes WAY beyond other sites which just offer you a simple search box and nothing more. your money detective is a professional asset recovery agent! They’ll help you investigate your relatives (genealogy), past addresses, work history and absolutely every piece of information that might lead to the discovery of missing money and other assets that could be hiding ina variety of places under a variety of different names.

    We also offer optional claim monitoring if you’d like to have that. We’ll constantly search through our sources looking for new claims that come available and we’ll notify you as soon as they do.

    We are not an unclaimed property locator service and do not charge you a percentage of the money you claim. We are only an information service that provides you access to our huge database, information, tips, guides and help. We provide you tips and information on how to claim your money, but we do not actually claim the money for you. We believe this money belongs to you & you shouldn’t have to pay a percentage to a “finder”.

    You will receive unlimited instant access to all of the lost cash records in our database and all our tools, education and ebooks for as long as you remain a member. The unclaimed money records will include the name, phone number and location of the institution(s) holding the money as well as the instructions you will need to claim the found money!

    Here’s An Example Of Our Paid Member’s Search:

    Search claim number

    Our Trial Search:

    We also offer a free trial search on our homepage that lets you take a “sneak peek” inside our database. These records are limited and do not show you the full information needed to submit a claim. In order to unlock the full information about these records you must purchase a premium subscription.

    The Risks: There is a risk with the free trial search that you locate funds that belong to someone with the same name or same first initial as you. Don’t worry though. Once you upgrade to your premium membership you’ll still have unlimited personal access to search for family members and friends and help them claim money too. Plus new money becomes unclaimed every day and even if none is showing for you today. that could change tomorrow.

    Cash Unclaimed Money Search charge a very small fee to help cover our expenses. Access to our help, services and search tools range from $11 to $129 depending on which services you decide to order. Depending on how many lost money searches you perform, you could pay just pennies per unclaimed money search.

    We currently offer 3 payment options:

    1. 1-Time Payment for 12 months of access
    2. 1-Time Payment for lifetime access
    3. Monthly Automatic Recurring Subscription that renews automaticaly every month untill you cancel. Of course you can cancel at any time by visiting our Support Desk & following the simple instructions.

    You can even use your unlimited searches to find money owed to friends, family and co-workers. Once you sign up, you are free to do anything you wish with the unclaimed money and property records you access.

    If your name is listed, you will have to contact the institution listed as holding the money. We do not claim your money for you. You must do that. In addition to filling out a claim form, proof of ID will be need to be provided to whichever agency is holding your money – most likely one or more of the following:

    Social Security Number

    Proof of Previous Addresses

    Identification such as Drivers Licenses or Passports.


    Unclaimed Money Lying Around? Get Tips for Finding It – ABC News, search claim number.#Search


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    Unclaimed Money: ‘GMA’ Helps Viewers Find Cash

    Search claim numberPlay

    Billions of dollars. That’s the amount of unclaimed money in the United States waiting to be given back to the rightful owners. The money includes forgotten apartment security deposits, uncashed overtime checks and lost insurance refunds, and it’s sitting there, waiting for you.

    Banks and other businesses are required to turn unclaimed money over to the states for safekeeping. The 50 states plus the District of Columbia have set up a free website you can use to see whether there are any forgotten funds in your name.

    At the crossroads of America, in New York City’s Times Square, we set up our “GMA” unclaimed money headquarters.

    Soon, we are in business and I am either a hero or a zero.

    At first, we are sweating — actually freezing — as we come up with nothing. Nada.

    But then, along comes a lucky lady.

    Motorola owes her money and the state of New York is sending a check.

    It’s important to check every state where you have lived. And every name you’ve ever lived under. Not all state websites tell you how much money you have coming.

    Thirty-two minutes into our experiment, we hit a streak.

    We found modest amounts of money for several people in a row.

    Then a woman approached us who suspected there was unclaimed money in her husband’s name. Sure enough, there were funds waiting for him from sort of unused cashier’s check. And we suspected the dollar amount was high because the state of New York wasn’t willing to blindly send a check. Instead, the state wanted the couple to submit a notarized affidavit to claim their funds.

    In a day’s work, we conducted 25 searches found missing money in seven of the cases.

    Search claim numberClick HERE for links to sites where you can search for missing money.

    There are billions of dollars waiting to be claimed. Fortunately, searching to see if some of that money belongs to you is easy, thanks to the Internet. Most unclaimed money is held by the states but some is housed with federal agencies. In both instances, the government is earning interest on your money. Here’s how you can search to claim what’s rightfully yours:

    Miscellaneous Money If you are searching for things such as forgotten apartment security deposits, uncashed overtime checks, lost insurance refunds or abandoned safe deposit boxes, your first stop is the states. The National Association of Unclaimed Property Administrators (NAUPA) has set up a free website at www.unclaimed.org that will link you to the appropriate department in your state that holds the funds.

    Unclaimed Savings Bonds It’s easy for savings bonds to go unclaimed because they take 30 to 40 years to mature. That’s why the Treasury Department has set up a simple search website, available HERE, where you can find forgotten bonds by typing in your social security number. Certain bonds are not listed online and require a hand search. You can read about them at the same Treasury link.

    Everybody looks forward to getting an income tax refund check, but if yours didn’t arrive, what do you do? The IRS now provides a “Where’s my Refund?” feature on its website. You can look up your missing check by entering the amount you are owed, plus your social security number. CLICK HERE.

    Lost Life Insurance Policies

    The proceeds of lost life insurance policies may turn up in your state search. If not, and you suspect you are the beneficiary of a loved one’s lost life insurance policy, you can hire a company called MIB Solutions to search for you. MIB is a private company that houses life insurance application information for much of the industry. It costs $75 to search. Go to www.policylocator.com for more information.

    If you didn’t collect your money when your bank went under, chances are your account was insured by the Federal Deposit Insurance Corporation (FDIC). The good news, in that case, is the FDIC is holding your money, and you can find out HERE.

    Failed Accounts In a Credit Union

    If your money was in a credit union as it failed, visit the National Credit Union Association (NCUA) HERE to track down your money.

    If your company still exists, or has been bought out, you need to approach the company directly. If you are owed a pension from a company that went under, there is a federal agency, the Pension Benefit Guaranty Corporation (PBGC), that safeguards private pensions. You can track down your pension HERE on the PBGC website.

    The Employee Benefits Security Administration (EBSA), is the Federal agency charged with making sure retirement money is reunited with its rightful owners. The EBSA sometimes even sues to seize retirement money. You can utilize the agency’s services by clicking HERE.

    Sometimes when people leave a job, they leave behind a 401(k) as well. If the company goes out of business, that only compounds the confusion. Fortunately, companies that administer 401(k) plans have teamed up to create a search engine you can use to track down your 401(k).


    Iso claim search, iso claim search.#Iso #claim #search


    Claim Procedures

    We have appointed HealthSmart to administer our insurance plans and handle our claims. The company helps in achieving and maintaining maximum control over the cost of health care. HealthSmart will help you get the benefits you deserve at low negotiated rates, according to your insurance plan. The company offers 24/7 online claims status report and multilingual representatives dedicated to the special needs of international students.

    If you are a student and you ve fallen ill or injured, please seek help at your school s Student Health Center first. If not available or no longer a student, please proceed to a doctor office or hospital. You may find doctors and hospitals in your area at: First Health or Multiplan.

    Present your Insurance ID card (which can also be found in your confirmation email or in your online account) to the doctor or hospital receptionist.

    Having provided a copy of your insurance card, please ensure that the doctor, clinic or hospital will file a claim form on your behalf.

    In case the medical service provider did not file a claim on your behalf, please fill out the Claim Form and send the completed form, including all itemized bills, statements and receipts, to our claims administrator, HealthSmart. Please do so as soon as possible, but no more than 90 days after the medical event. The Company maintains its right to investigate and verify that the eligibility requirements have been met for claims processing purposes.

    Iso claim search

    The completed claim form and documentation can either be emailed to [email protected] or mailed to:

    HealthSmart, 3320 West Market Street, Suite 100, Fairlawn, OH 44333

    You may check the status of your filed claim online 24 hours a day here. Please note that while most claims are processed within 10 business days, some claims may take up to 30 days to process.

    You may also call our claims administrator: (800) 203-4720 between 8:00 A.M. and 5:00 P.M. EST Monday through Friday or e-mail to: [email protected] for status update.

    If you are traveling outside the U.S. and need 24 hours assistance in case of sickness or injury, please contact On Call:

    Online claim status is available 24 hours a day here!

    Iso claim search Iso claim search Iso claim search

    ISO Insurance is the manager and sole provider of ISO insurance plans to international students in many Universities. ISO offers its renowned plans: ISO COMPASS insurance – the leading F1 health insurance, COMPASS Gold Insurance, COMPASS Silver, ISO Med plans, J1 Exchange plan – the leading J1 health insurance, ISO-Care and ISO-Share an ACA comparable health insurance plan for international students. ISO international student insurance plans are the leading international student health insurance plans in US universities and colleges. International students who need ISOA international student insurance can find international students insurance at isoa.org (not to be confused with iso.org insurance or iso.com insurance). With ISO insurance for international students ISOA fulfills its goal of providing health insurance for international students in USA. Plans are mostly offered to F1 visa students and J1 visa holders. ISO insurance plans are also offered to non-U.S. citizens who are seeking visitor health insurance plans and dependent visitor medical insurance for non-U.S. citizens. ISO insurance for international students is suitable for students on OPT, international students after graduation and ESL students. In addition to student health insurance ISO also offers medical insurance for international students. International students should also check the benefits of the International Student Organization, such as newsletters, information about scholarships and grants and more attractive services and savings available are available at www.intlstudent.org. Remember: advise your university to contact ISO Insurance for the best international student medical insurance. Tell them that ISOA insurance is the answer!

    ISO 留学生健康医疗保险致力于为国际学生提供不同种类的短期保险计划,以满足留学生的特殊保险需求。该公司从成立以来,一直秉承不变的理念是:为国际学生提供经济实惠的保险方案。 在美国留学必须要有健康保险,ISO 的保险计划能为留学生在美期间提供安全保障。深受广大留学生欢迎的计划有:Compass 黄金计划,Compass 白银计划,ISO Med,和Shield 500计划。这些保险计划满足大多数美国大学对F1留学生和J1交换生的要求。有些学校对保险有特殊要求, ISO推出的保险计划不仅能顺利waive掉学校的保险,价格上又很便宜,能为你节省近几千刀的支出。如果对waiver流程有问题,可以关注ISO微信微博公众号或学校中国学生会相关论坛查看攻略,或者通过学校国际留学生办公室的官方网站了解学校的保险政策。持有J1签证的访问学者在美国交流期间也必须购买医保,ISO的J1计划满足美国联邦政府出台的政策需求。对于已经毕业,处于OPT期间或者正在等待EAD卡的学生,ISO的两个OPTima计划是最好的选择。如果您是非留学的美国访客,持有B1和B2旅游签证、作为学生家属的F2和J2签证、或者H1B工作签证,可以购买Voyager计划。


    Why Waiting in Line Is Torture – The New York Times, search claim number.#Search #claim


    Why Waiting Is Torture

    By ALEX STONE AUG. 18, 2012

    Search claim number

    Editors’ note: Waiting in line is a timeless form of torture. Here’s a story from the archives that explains why.

    SOME years ago, executives at a Houston airport faced a troubling customer-relations issue. Passengers were lodging an inordinate number of complaints about the long waits at baggage claim. In response, the executives increased the number of baggage handlers working that shift. The plan worked: the average wait fell to eight minutes, well within industry benchmarks. But the complaints persisted.

    Puzzled, the airport executives undertook a more careful, on-site analysis. They found that it took passengers a minute to walk from their arrival gates to baggage claim and seven more minutes to get their bags. Roughly 88 percent of their time, in other words, was spent standing around waiting for their bags.

    So the airport decided on a new approach: instead of reducing wait times, it moved the arrival gates away from the main terminal and routed bags to the outermost carousel. Passengers now had to walk six times longer to get their bags. Complaints dropped to near zero.

    This story hints at a general principle: the experience of waiting, whether for luggage or groceries, is defined only partly by the objective length of the wait. “Often the psychology of queuing is more important than the statistics of the wait itself,” notes the M.I.T. operations researcher Richard Larson, widely considered to be the world’s foremost expert on lines. Occupied time (walking to baggage claim) feels shorter than unoccupied time (standing at the carousel). Research on queuing has shown that, on average, people overestimate how long they’ve waited in a line by about 36 percent.

    This is also why one finds mirrors next to elevators. The idea was born during the post-World War II boom, when the spread of high-rises led to complaints about elevator delays. The rationale behind the mirrors was similar to the one used at the Houston airport: give people something to occupy their time, and the wait will feel shorter. With the mirrors, people could check their hair or slyly ogle other passengers. And it worked: almost overnight, the complaints ceased.

    The drudgery of unoccupied time also accounts in large measure for the popularity of impulse-buy items, which earn supermarkets about $5.5 billion annually. The tabloids and packs of gum offer relief from the agony of waiting.

    Our expectations further affect how we feel about lines. Uncertainty magnifies the stress of waiting, while feedback in the form of expected wait times and explanations for delays improves the tenor of the experience.

    And beating expectations buoys our mood. All else being equal, people who wait less than they anticipated leave happier than those who wait longer than expected. This is why Disney, the universally acknowledged master of applied queuing psychology, overestimates wait times for rides, so that its guests — never customers, always guests — are pleasantly surprised when they ascend Space Mountain ahead of schedule.

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    This is a powerful ploy because our memories of a queuing experience, to use an industry term, are strongly influenced by the final moments, according to research conducted by Ziv Carmon, a professor of marketing at the business school Insead, and the behavioral economist Daniel Kahneman. When a long wait ends on a happy note — the line speeds up, say — we tend to look back on it positively, even if we were miserable much of the time. Conversely, if negative emotions dominate in the final minutes, our retrospective audit of the process will skew toward cynicism, even if the experience as a whole was relatively painless.

    Professors Carmon and Kahneman have also found that we are more concerned with how long a line is than how fast it’s moving. Given a choice between a slow-moving short line and a fast-moving long one, we will often opt for the former, even if the waits are identical. (This is why Disney hides the lengths of its lines by wrapping them around buildings and using serpentine queues.)

    Perhaps the biggest influence on our feelings about lines, though, has to do with our perception of fairness. When it comes to lines, the universally acknowledged standard is first come first served: any deviation is, to most, a mark of iniquity and can lead to violent queue rage. Last month a man was stabbed at a Maryland post office by a fellow customer who mistakenly thought he’d cut in line. Professor Larson calls these unwelcome intrusions “slips” and “skips.”

    The demand for fairness extends beyond mere self-interest. Like any social system, lines are governed by an implicit set of norms that transcend the individual. A study of fans in line for U2 tickets found that people are just as upset by slips and skips that occur behind them, and thus don’t lengthen their wait, as they are by those in front of them.

    Surveys show that many people will wait twice as long for fast food, provided the establishment uses a first-come-first-served, single-queue ordering system as opposed to a multi-queue setup. Anyone who’s ever had to choose a line at a grocery store knows how unfair multiple queues can seem; invariably, you wind up kicking yourself for not choosing the line next to you moving twice as fast.

    But there’s a curious cognitive asymmetry at work here. While losing to the line at our left drives us to despair, winning the race against the one to our right does little to lift our spirits. Indeed, in a system of multiple queues, customers almost always fixate on the line they’re losing to and rarely the one they’re beating.

    Fairness also dictates that the length of a line should be commensurate with the value of the product or service for which we’re waiting. The more valuable it is, the longer one is willing to wait for it. Hence the supermarket express line, a rare, socially sanctioned violation of first come first served, based on the assumption that no reasonable person thinks a child buying a candy bar should wait behind an old man stocking up on provisions for the Mayan apocalypse.

    Americans spend roughly 37 billion hours each year waiting in line. The dominant cost of waiting is an emotional one: stress, boredom, that nagging sensation that one’s life is slipping away. The last thing we want to do with our dwindling leisure time is squander it in stasis. We’ll never eliminate lines altogether, but a better understanding of the psychology of waiting can help make those inevitable delays that inject themselves into our daily lives a touch more bearable. And when all else fails, bring a book.

    Alex Stone is the author of “Fooling Houdini: Magicians, Mentalists, Math Geeks and the Hidden Powers of the Mind.”

    A version of this op-ed appears in print on August 19, 2012, on Page SR12 of the New York edition with the headline: Why Waiting Is Torture. Today’s Paper | Subscribe

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    Court Assistance Office, STATE OF IDAHO JUDICIAL BRANCH, search claim number.#Search #claim #number


    STATE OF IDAHO JUDICIAL BRANCH

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    Court Assistance Office

    Search claim numberWelcome to the Idaho Court Assistance Office Self-Help Center! This website provides tools and information for people who want to represent themselves in court, or who are unable to afford an attorney and would otherwise be unable to get their day in court.

    What kind of information will I find here?

    • Free court-approved forms for civil court matters (non-criminal), such as family-related issues, landlord/tenant, domestic violence, etc.
    • Videos and brochures to help you become informed about your legal situation
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    When should I consider talking to an attorney?

    The materials and assistance you receive on this web site or in your local Court Assistance Office are no substitute for talking with a lawyer. Laws and court rules are very complex. Consequently, keep in mind, even if you follow the instructions provided and use our forms you are not guaranteed to win your case.

    The materials on this site are meant to help you educate yourself through the process. It is always advisable to talk to a lawyer before proceeding on your own, especially if your situation is complicated or you expect difficulties. Visit the Idaho State Bar Lawyer Referral Service to find a lawyer.

    What’s New!

    Complete your Small Claims forms via a new interactive interview at: idaho.tylerhost.net/SRL.

    ATTENTION: Business Entities Filing Small Claims Actions

    Business entities filing small claims actions in counties where e-filing is available must now electronically file small claims documents. For additional information please click here.

    Mailing Fees in E-Filing Counties

    You may be required to pay a mailing and copy fee in counties where e-filing is available. For additional information please contact your local court.

    If you have a complaint about an appointed guardian or conservator fulfilling his/her statutory duties, click here for more information.

    Limited Pro Bono Appearance Forms

    The Pro Bono Commission has created and approved the following forms for attorneys making limited pro bono appearances.

    • Notice of Completion of Limited Pro Bono Appearance Word | PDF
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    • Uniform Income Withholding Order PDF
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    Note: All services are through the local county offices. Click below to find your local contact info.

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