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こんにちは スタッフ鳥居です。 最近ブログの更新が増えてるぞ?!と 思ってる方も多いかと思います。 そうなんです。 お盆前からずっと、秋物が続々と入荷しているので、 次々にご紹介していかないと お店に出す前に、サイズが無くなってしまった!と なるケースも実はあるのです。 その代表が今日ご紹介するコチラ モンクレール/MONCLERのダウンベストです。 モデル「TIB」 価格:68,800円+税 夏ぐらいから、いやもう昨年から、すでにお問い合わせをよく頂くブランドです。 毎年定番人気の「モンクレール レディース」のダウン。 その中でも、数が少なく、よく即完売となってしまうのが コチラのベストです。 ダウンと言えば、必ず名前に上がるブランドです。 1着は持っていたいと思わせる魅力がたっぷり! 中でも、一番の定番色と言えば、ブラックです。 しかもずっと変わらず続いている光沢のあるシャイニータイプの素材は、 ポリアミド100%、摩擦にも強く、丈夫さを持ちつつ 漂う上品さは、実際に実物を見て頂くとわかります。 ダウンと言えど、秋口の早い段階から着こなしに 取り入れることが出来て「先取り」気分を味わえます♪ ショート丈なので、車移動の時もかさばらず、 後ろから見ても、スマートなデザインです。 勿論、暖かさは申し分ありません。 袖がない分、そこだけ寒いのか言えば 全く感じさせない、むしろないほうが、 丁度良い暖かさと言われることもあるほどです。 シャツや、薄手の長袖Tシャツで、体感温度を調節できます。 モンクレールのダウンを一度羽織った方も、 他のダウンと、羽織り比べた方も、 皆さん、一応に一番暖かい!とよく言われます。 暖かすぎて、インナーには、ロンTか、薄手のニットで 十分ともよく言われますが。 ダウン90%と、10%のフェザーの配合は長年変わっていませんが、 この不動の人気を保てているのは 厳選された上質なダウンを使っている証です。 細かい部分でも、ダブルファスナーはビックサイズでスムーズな動きに。 金具には、フランスの国鳥をデザインしたお馴染みのマークも、さり気にアピールできます。 ダウンのお手入れの仕方をマンガで描いた見慣れた内側のワッペンも、 復刻盤と聞くと、昔から色々な人がモンクレール メンズを愛用しているのだな、と実感できます。 これから秋に向け、スウェットパンツで、スポーティに デニムでラフなカジュアルにもと 色々な場面でプラスして、羽織りたいアイテムです。 すみません。すでにサイズT1は完売しております。 お早めにチェックしてみて下さいね♪ 他モンクレールはコチラからどうぞ♪ Choosing Health Insurance: Important Tips You Need to Know | Stacey Lapidus

Choosing Health Insurance: Important Tips You Need to Know

HealthInsurance

What kind of health insurance coverage are you carrying? Is it sufficient to protect your family? These are questions that you must ask yourself when you are choosing an insurance plan. Many employers provide insurance coverage for their workers, you will be given information on several plans through different companies when you first begin your job. Many companies afford you what is called an open enrollment once a year and at that time if you find the plan you chose is not sufficient or does not meet your needs for the future you have the ability to change plans.

When you first become employed and choose your coverage there is no pre-existing clauses in the policies this privilege is also afforded to you in open enrollment. However, if you choose to only cover yourself and then later decide to cover another member of your family then there will be pre-existing clauses afforded that person if they have medical problems. That can mean the insurance carrier will not cover expenses for a certain illness or injury if the person had received treatment for it prior to the coverage date.

When you are checking into the right kind of health insurance you need to consider the co-insurance amounts (this is the amount you pay for the service provided by doctors and hospitals and also what you pay of prescription drugs), does the insurance carrier have a mail order pharmacy program (this usually means that you get a 3 month supply of your medication for the price of a one month supply), what is the deductible (is it for each person such as $250.00 for each person and a limit of $500.00 per family), is there a catastrophic maximum (what this means is that you reach a certain $ amount and then the insurance covers all of your care at 100% for the remainder of the year), is there a lifetime maximum (this usually is $2,000,000.00).

Don’t let the lifetime maximum fool you though as it can be reached if you have a serious condition or illness. For example, a heart transplant, kidney transplant or another organ transplant can start at about $75,000.00 for the surgery alone. Then you must consider the cost of immune drugs. Or cancer in a family member, chemo drugs can run up to $3,000.00 a dose.

If you have a condition that needs other than a medical professional such as diabetes make sure that your insurance covers those professionals also. By this I mean an herbologist, acupuncturist, chiropractor, and ophthalmologist.

Perhaps the medical insurance also has a vision clause, this will not be used if you are diabetic as that falls under medical expenses. Most insurance companies don’t have very good vision and dental coverage and many employers offer separate dental coverage but not vision. Many medical insurance carriers have vision where they pay up to $150.00 for the exam and lenses, they do not cover the frames or anything for the lenses that goes over the maximum of $150.00. Keep in mind that the $150.00 is also to cover the eye exam charges.

There are many loop holes when you go to purchase health insurance, be sure to make an informed decision on it. Also if you are looking for a policy that is not related to your employment you may wish to check into an HMO carrier. They are plans that afford you healthcare with only a co-payment to be paid such as $15.00 for your doctor and $45.00 for your specialist. They are more expensive to purchase and you must have plan approval to see a specialist or have a visit that is non emergent to the hospital. They do pay for ambulance services and emergency rooms with co-pays but will not cover any elected hospitalization if it is not reproved by the plan. Prescriptions also are cheaper in the long run through an HMO. Most people find it difficult to understand that they need primary care and plan approval before seeking treatment from someone other than their primary care physician. One good point with the HMO is that there is no such clause for pre-existing illness or treatment. For example, if you had heart disease before purchase they will pay for all medical in regards to it after purchase with no waiting period.

No matter your situation be careful and choose wisely as you will at some point be locked into this insurance. Maybe even when it is time to retire, if your employer’s retirement plan has a clause for it you will be required to carry your chosen medical plan into retirement. Some retirement programs have their own insurance plans but these are extremely expensive unless you are a State or Federal employee. Almost all insurance plans that you take at retirement will cease to cover you when you obtain Medicare coverage at age 65.

You can purchase a supplemental policy through many health insurance carriers when you are of Medicare age. With these you must be very careful as most do not cover anything that Medicare does not cover and only pick up a portion of your deductibles and co-insurance costs.

The most important thing is to make an informed decision and know exactly what the insurance carrier offers. Check with the insurance company directly if you have any questions they are better equipped to answer the questions than your employer or their human resources/benefits office. So just like a film insurance, this type of coverage is often contractually required by film distributors or by your health provider.