In Sickness and in Health (Insurance)

Re “Health Benefits Inspire a Rush to the Altar, or to Divorce Court” (front page, Aug. 13): The grotesque reality of my life has been constant constraint by the need for health insurance. With a congenital heart condition and a degenerative eye condition, I married my wife while in graduate school because I was no longer eligible for my parents’ group plan, and at the time few graduate programs offered grouphealth.

My career choices were dictated by the knowledge that I needed group health: the tenuous life of an academic in a tough job market seemed too risky, so I switched to law school. I avoided private-sector legal jobs upon discovering that many firms do not provide group insurance but expect individual lawyers to find individualhealth plans, so I ended up working for the state.

Fortunately, things have worked out for me so far. It was not desperate need, such as you described, but a sense of obligation and responsibility that drove me to make major life decisions based onhealth insurance needs (I do not have family who could foot the bill for open-heart surgery). But only in America are people with pre-existing medical conditions forced to plan every aspect of their lives around the need for grouphealth insurance. I have often toyed with the thought of emigrating to Canada or Britain simply to escape the constant, gnawing, lifelong fear of what might happen should my grouphealth for any reason ever lapse.

news source : http://www.nytimes.com/

Is Low-Cost Health Insurance Worth It?

Infomercial king Billy Mays, known for screaming about the wonders of cleaning solutions Kaboom!, OxiClean, and other household products, is now starring in a commercial for what he calls "the most important product I've ever endorsed:" health insurance. The bearded salesman started pitching iCan Benefit Group's "health insurance that you can actually afford" in May 2008, pointing to the need for its health plans given that 47 million Americans are uninsured. In the commercial, Mays says iCan's plans include guaranteed acceptance, starting as low as $160 per month for individuals and $260 for families, and can allow you to lower your monthly premium, increase coverage, or both. Concludes Mays: "You can't afford not to make this call."

His pitch shows how difficult it has become for many hard-pressed Americans to afford basic necessities, such as health care, as the cost of food, gasoline, and many adjustable-rate mortgage payments climb, while wages barely budge and employers cut jobs. To protect your assets, it's important that yourinsurance policies give you enough coverage in case something horrible happens to you or a loved one. Mays is understandably "passionate about health care." We all need health insurance, yet many Americans can't afford it, while the cost of the plans and of medical care keeps rising. Mays is pitching iCan's Mini Medical, a type of limited healthinsurance for those who can't afford major medical insurance or have been turned down because of preexisting health conditions.

Low Premiums Mean High Risk

These limited plans are not for everyone, and they could end up costing more if you need expensive care. "The problem is they're advertising these unbelievably low premium healthinsurance plans," says Mark Kenison, a financial adviser who specializes in insurance at Turning Point Benefits Group in Charlotte, N.C. "All you're doing its transferring risk to yourself so your monthly premiums are lower."

Consumers might focus on the low monthly price and not examine the cost and coverage of each health service, Kenison says. Beware of policies that don't set a maximum amount that you'd be responsible for paying for a health service, he advises. For example, iCan's mini-medical plan will probably not provide enough coverage if you get badly injured or need surgery. Looking at an example of the company's lowest-cost offering, iCan's mini-medical plan costs an individual $160 per month in North Carolina—plus an additional, $100 one-time enrollment fee—and covers a maximum of just $1,000 for surgery per year, with anesthesia limited to $250 per surgery. If you're hospitalized, the plan would cover only $200 for the first day and $100 each additional day, with a maximum of $1,100 for up to 10 days. On average, hospital care is estimated to cost $1,931 a person per year, according to the latest figures (2004) from the U.S. government's Centers for Medicare & Medicaid Services.

The low maximum benefits—and the prospect of huge additional out-of-pocket expenditures—bothers some financial pros. "It just feels wrong," says Kenison, adding that most people would be better off getting a major medical plan that limits their risk to a certain dollar amount. If you end up with a large medical bill, members of iCan's health plans have a health advocate to negotiate pricing and hospital charges, says Harold Shatz, managing member of iCan Benefit Group in Boca Raton, Fla. A $40,000 to $50,000 medical bill can be reduced to $10,000 to $12,000 through network pricing and use of a health advocate to examine the bills and find errors, he says.

news source : http://www.businessweek.com/

Max India hikes stake in insurance JV

The amended JV agreement gave Max India the right to increase its shareholding in Max New York Life by up to 24% of the issued and paid up capital Max India has restructured its joint venture (JV) arrangements with New York Life International LLC by executing an amended agreement on July 15. The JV, Max New York LifeInsurance Co. accounts for about 80% of Max India's consolidated revenue.

Max India has amended the existing JV agreement dated November 3, 1999, in respect of Max New York life insurance. The original JV agreement has been replaced and substituted by the amended JV pact. The amended JV agreement gave Max India the right to increase its shareholding in Max New York Life by up to 24% of the issued and paid up capital. It has raised its stake in Max New York Life from 50% to 74%. New York Life International had the option of increasing its shareholding in the JV to 50% at par value. However, under the fresh JV agreement, Max India has repaid the Rs1.74bn deposit paid by New York Life International and increased its stake to 74%.

The US partner will now have to buy the additional 24% shareholding at 90% of fair market value. New York Life International will get a 10% discount for being a promoter-shareholder. This option will be valid till 2016. The company has posted a net profit of Rs136.1mn for the quarter ended June as against Rs38.1mn in the same quarter a year earlier. Net sales for the reporting quarter are Rs915.2mn versus Rs482.6mn in the year-ago period. At 12:46 pm, Max India was trading at Rs168.60, up Rs13.5 or 8.7% over the previous close. Earlier, the stock touched an intra-day high of Rs172 and a low of Rs160. It is down nearly 6% in the last one month.

news source : http://www.indiainfoline.com/

State audit cites errors in health insurance plan

Accounting errors related to the billing of medical claims for the now disbanded Columbiana County Schools Health Care Benefits Consortium resulted in already settled findings for recovery in an audit released Thursday.

The audit report issued by Auditor of State Mary Taylor showed that the Salem City school district reimbursed the Columbiana County Educational Service Center for $14,925 on April 8 this year and the Southern Local school district reimbursed the United Local school district for $11,576 on March 6 this year, both related to erroneous charges or credits by the health insurance consortium. The consortium provided health insurance coverage to several area school districts.

According to the audit, a credit of $14,925 was issued to Salem's medical claims account to correct a misclassified prescription drug claim posted to medical claims on March 31, 2004. The credit should have been posted to the medical claims account for the ESC because that's where the original invoice was posted, the report said. Salem city schools Treasurer Jill Rowe said she received an e-mail from the fiscal administrator for the consortium, East Palestine schools treasurer Rick Ellis, regarding the accounting error and the need to reimburse the ESC. It was her understanding that "it was just an accounting error," she said when contacted Thursday.

The other finding for recovery stemmed from apparent posting errors made on Aug. 5, 2005 when invoices for medical claims were charged to the wrong school districts. The audit noted an invoice for $41,294 for medical claims for Southern Local schools was mistakenly charged to United Local schools and an invoice for $29,717 for United Local medical claims was mistakenly charged to Southern Local schools. The report said the Southern Local schools owed the difference of $11,576 to the United school district. Emily Frazee, deputy press secretary for the state Auditor's Office, also said the findings from the audit covering July 1, 2005 through June 30, 2007 will be forwarded to the county prosecutor's office and the Ohio Attorney General. She acknowledged that the issues looked like accounting errors and everybody had made good on the findings.

news source : http://www.salemnews.net/

Health insurance premiums in Southwest predicted to rise 7.3 percent in 2009

Health Insurance premiums throughout the Southwest, including Texas, are expected to increase by 7.3 percent in 2009, according to preliminary information released by Hewitt Associates Inc. Still, this is the lowest rate increase in the region in four years. Health maintenance organization (HMO) premiums for the Southwest region increased 13.7 percent on average last year.

Nationwide, HMO rates are expected to increase 11.8 percent -- lower than last year's initial rate increases of 13.2 percent but still on track to outpace inflation.

Officials with Hewitt expect employers in the Southwest will be able to reduce overall rate increases next year by two or three percentage points through aggressive negotiations, changes in plan offerings and designs and an increased focus on employee health and productivity.

As the economy continues to weaken, Hewitt expects to see more companies move away from traditional employer strategies, such as cost shifting toward more aggressive and innovative steps to mitigate health care costs. Among these trends is an increasing focus on improving employee health and moving to self-insured plans.

news source : http://www.bizjournals.com/

Our view: Coverage for all

Good for Florida labor and civic groups that began a campaign Tuesday in Tallahassee to put universal health care on the radar screen in the presidential and congressional races. With 3.8 million Floridians having no health coverage, the nation's third-highest rate of uninsured, it's a crisis that's rightly a top issue with Sunshine State voters -- and should be for candidates too.

That includes state lawmakers who have the responsibility to scrutinize Florida's newly created low-cost no-frills health insurance program, touted by Gov. Charlie Crist as a way to open the door to affordable medical care. The program is supposed to cost about $150 a month and be available for anyone has been without insurance for at least six months.

Last week the governor started soliciting bids from insurers interested in offering the bargain-rate plans, but details remain uncertain. Depending on what deals the state cuts -- such as caps set on care, what's not covered, and how high deductibles and co-pays can go -- the cheap policies could be little more than window dressing. Insurers shouldn't be allowed to rip the guts out of coverage with extremely limited benefits that deny seriously ill patients the treatment they need. And, at best, the no-frills plans should serve merely as a step toward universal, comprehensive coverage for all hardworking families -- similar to that Florida lawmakers get at taxpayers' expense.

news source : http://www.floridatoday.com/

Corzine Signs Health Insurance Bill

Gov. Jon Corzine today signed a bill (S-1557) that makes more parents eligible for the state program that provides free and subsidized health insurance to low-income families. It expands the eligibility for NJ FamilyCare to parents in households that earn up to double the poverty level, which is approximately $42,000. "This is a very important, pragmatic doable step on a way to universal access," Gov. Jon S. Corzine recently told NJBIZ.

While the program's eligibly for children remains at 350 percent of poverty level, the bill for the first time mandates that parents enroll their children. The bill also establishes new private healthinsurance market reforms designed to lower the premiums for small businesses and individual policy holders.

About 90,000 parents would be eligible for NJ FamilyCare under the new legislation. The bill's chief sponsor, Sen. Joseph Vitale (D-Middlesex), said he expects about a quarter of them to sign up the first year. The bill increases state spending by $8.3 million—which generates matching federal dollars, to expand the FamilyCare program. It also calls for spending another $1 million for advertising the new eligibility requirements.

There are 1.3 million uninsured people in New Jersey, primarily because the skyrocketing cost of health insurance is difficult to afford, Vitale said. Of the $1.3 million uninsured, he estimates that 400,000 parents and children would be eligible for the new family care program, 300,000 are undocumented; and 600,000 simply can’t afford it and don’t qualify for subsidies.

news source : http://www.njbiz.com/

Negotiations between National Health Insurance Fund and Bulgarian Medical Association fail

Sofia. Representatives of the National Health Insurance Fund (NHIF) left the negotiations with the Bulgarian Medical Association (BMA). The meeting was set in order the new National Framework Agreement (NFA) to be negotiated and adopted. NHIF representatives withdrew from the table of negotiations with the motive that the BMA did not send legitimate representatives. Head of the NHIF board Emil Raynov demanded documentation proving that BMA reps were legally appointed and sent to the meeting. BMA agreed to send a copy of the decision of appointment later in the day. NHIF remained strong on its position and insisted negotiations to be interrupted until legal matters of the legitimacy of the representatives are cleared.

news source : http://www.focus-fen.net/

Two state plans see change in eligibility

Starting today, eligibility rules for enrolling in two state-sponsored health plans will change. Utah's Primary Care Network (PCN),
which has traditionally limited enrollment to parents with dependent children living at home, will open enrollment to all adults ages 19 to 64 through July 31.

To qualify for PCN, adults must also:

* Be a U.S. citizen or legal resident.

* Not have coverage through another health insurance plan.

* Not be qualified for Medicaid, Medicare, veterans' benefits or have access to student health insurance.

* Meet income guidelines.

As part of House Bill 133, legislation geared at health system reform, enrollment in Utah's Premium Partnership for Health Insurance (UPP) will also change. The program helps families pay monthly premiums for employer-sponsored health insurance. Those who are eligible will no longer have to wait for open enrollment periods or a "qualifying event," such as marriage or the birth of a child. Applicants can now sign up any time.

To qualify for UPP, adults ages 19 to 64 must:

* Not be covered by another health insurance plan.

* Be employed by a company that offers health insurance (or have a spouse whose employer offers insurance).

* Be a U.S. citizen legal resident.

* Fit within the income guidelines.

The cost of the least expensive health insurance option available must be more than 5 percent of their total household income (before taxes). For more information about these two programs and how to enroll, visit health.utah.gov/pcn (for Primary Care Network) or health.utah.gov/upp (for Utah's Premium Partnership for Health Insurance), or call the PCN/UPP hot line at 1-888-222-2542.

news source : http://www.sltrib.com/news?

Health official says compliance high

The vast majority of Massachusetts taxpayers complied with the new health insurance reform law by answering the filing requirement on their new return. That's according to Jon Kingsdale, executive director of the Commonwealth Connector Authority, which is implementing the law and its mandate to expand coverage to nearly every resident. Kinsgdale issued a report card Wednesday for the reform effort thus far.

He said nearly 99 percent of taxpayers complied with the requirement. Taxpayers needed to show they complied with the law and had healthinsurance as of the end of 2007. If they did not, they lost their personal exemption, which was worth about $219 for an individual. Kingsdale said only a few thousand people appealed the law to the Connector. Of 168,000 uninsured taxpayers, 97,000 were deemed able to afford insurance, according to Department of Revenue Data supplied to the Connector. Another 62,000 were determined to not be able to afford insurance, citing income or health hardships. Another 9,000 residents claimed a religious exemption from obtaining health insurance.

news source : http://boston.bizjournals.com/

MONTGOMERY, Ala. - Craig Bacheler expects to offer healthinsurance benefits at his information technology business, now that Alabama's governor has signed into law a tax break for small businesses that provide the insurance to their workers. Bacheler said high insurance costs have left his five-month-old company, Bacheler Technologies in Montgomery, unable to offer such benefits to its two employees. But the new law will make the insurance more affordable, allowing him to make it available when the law takes effect. "It's hard to compete with big businesses because they can pay all or part of the cost," he said, adding new health benefits would make recruiting employees easier.

Gov. Bob Riley pushed the tax break through the recent legislative session and signed it into law Tuesday in a Capitol ceremony. Riley predicts the legislation will allow more small businesses like Bacheler's to start offering health insurance. Starting Jan. 1, the new law will permit businesses with fewer than 25 employees to deduct from their state income taxes 150 percent of the amount they pay for health insurance for employees who earn less than $50,000 annually. The deduction has been 100 percent. Small business employees who earn less than $50,000 annually will be able to deduct from their state income taxes 150 percent of what they pay toward their health insurance. To get the deduction, they have to spend more than 4 percent of their adjusted gross income on medical expenses.At the bill signing, Riley said the state has offered financial incentives to big corporations that have built plants in Alabama. Now, he said, the time has come to help small businesses, which create more than 80 percent of the jobs in Alabama.

Andy Martin, owner of Square Root Interactive in Montgomery, said his Web design company already pays part of the cost of employees' health insurance. But the tax break will help his firm make more money and possibly expand its work force of 11. He said it will also help employees with their share of insurance costs. The Legislature passed the bill after Riley made it part of his 2006 re-election platform and after business groups, including the Business Council of Alabama, spent four years promoting the idea. Martin, a BCA member, said the legislative action was unexpected. "It's almost like the feeling you have when somebody you didn't expect remembers your birthday," he said. The tax break is supposed to cost the state $33 million annually. To pay for the tax break, the Republican governor recommended and the Democrat-controlled Legislature passed a bill to close some loopholes that large national corporations use to pay less state income taxes in Alabama.

That bill, designed to raise $54 million annually, reins in the practice of national corporations paying a sister company huge amounts for use of a trademark and then using those payments to lower their state taxes on income generated in Alabama.

news source : http://www.forbes.com/

KCHA raises health insurance rates

GALESBURG — The Knox County Housing Authority Board of Commissioners agreed Tuesday to increase employee insurance costs next year. The board voted 5-0 to increase deductible costs from $250 to $1,100, but to also create a savings account for each employee. By making the changes, the board was able to save $30,393, spending $167,642 for coverage. The original plan with Blue Cross Blue Shield would have cost $198,035. The changes allowed the board to continue buying healthinsurance from Blue Cross Blue Shield.

Before the change, Knox County Housing Authority Executive Director Margie Hulick said the 28 KCHA employees were responsible for $1,250 per individual out of pocket per year, including co-pay and the deductible. “It cost us less per month because of the higher deductible,” Hulick said. “To offset the higher deductible, we set up a savings account for each employee.” Now, employees will be responsible for $2,000 per individual out of pocket, but will receive a $750 health savings account in his or her name. Each employee will receive $500 in the savings account for the remainder of this year. A health savings account allows employees to save money for future medical expenses. Money placed in the accounts can roll over into the next fiscal year. The new plan eliminates the co-pay, leaving employees responsible for all initial costs until the out-of-pocket limit is met.

news source : http://www.galesburg.com/

Farmers need Gov’t support to get health insurance

VietNamNet Bridge - Although the government supports those who live close to the poverty line, tens of million farmers have not purchased medical insurance, said Truong Thi Mai, chairwoman of the National Assembly’s Social Affairs Committee. There is discrimination at hospitals because some patients have medical insurance cards while others don’t. Some seek treatment during working hours, while others seek treatment after hours. Earners with below-average income need the government’s support when purchasing health insurance
.

Currently, the state pays only for residents whose incomes are close and on the poverty line or whose family members are prioritized by social welfare policies, i.e. seniors and children under the age of six. Government spending has not benefited farmers who don’t belong to the above-mentioned groups. These farmers have no choice but pay VND250, 000 (US$15) a year for an insurance card. Those in charge are afraid of running out of funds. The Ministry of Health must make a list of basic medical services. Patients, including those insured, must pay for medical services that are not on this list. The Assembly is considering how much residents must pay for medical insurance. Some deputies proposed a maximum of 6 percent; others suggested that state agencies’ employees pay 3 percent of their basic salaries and 5 percent of their pension and social security money. Workers at private companies pay 2 percent while their employers pay 3 percent.

At present, there is a paradox. The government plans to bring better health care services to residents in remote regions, but medical clinics there are only able to provide a few simple services, so many patients don’t benefit from buying insurance. Patients who live in the cities do receive these services so insurance companies must pay more for better services.

news source : http://english.vietnamnet.vn/

Massachusetts Insurance Impoves Preventive Health

New Massachusetts health insurance plan now covers more than half of those who were uninsured last year. Also more people have received preventative care since the time mandatory health insurance was launched. Massachusetts enrolled mandatory health insurance in the fall of 2006 and required all residents to obtain coverage starting from January 2007. Some 86000 residents who did not fulfill the requirement are required to pay a $219 penalty later this year.

Massachusetts health insurance plan was aimed at providing health coverage, which is affordable for the uninsured people. The following figures show that the plan became successful. The figures come from Urban Institute's analysis show that about 350000 out of 600000 uninsured residents were enrolled in the plan and about 60000 residents who were unable to afford even subsidized healthinsurance were granted exemptions. In 2006 about 13% of Massachusetts residents aged from 18 to 64 were uninsured, but in 2007 the number decreased to 7%. Those who are still uninsured are mainly low income males and the 1/3 of the uninsured people reported that they were unaware of the fact that the healthinsurance is mandatory.

Those with lowest income - less than three times the federal poverty level $66600 - were 24% uninsured. Now this number has decreased to 13%. The individuals that earned significantly more constituted the 5 percent of the uninsured, which has droped to 3 percent. About 70% of those with lowest income received preventative care in 2007, compared to 65% in 2006. 59% of them received dental care in 2007, compared to 49% in 2006. Only 17% reported that they delayed medical care in 2007, compared to 27% in 2006.

Urban Institute's analysis also mentions that the number of uninsured has decreased only thanks to the increase of new health insurance enrollment cases. Massachusetts residents did not switch to government-provided health insurance plans from private insurance providers. Also, employers did not show a tendency of benefiting from the governmental plan. In other words, the number of those newly insured is the number of residents who were uninsured, not the number of people who were previously covered and just changed the type of healthinsurance coverage.

New Massachusetts health insurance plan is great help for those with low income and uninsured. The state's mandatory health plan is also a good way for health department to save medical resources. It is much better to cover the uninsured and provide with preventative health care on time, rather than to handle long hospital stays.

news source : http://www.emaxhealth.com/

Contact 2 - Health Insurance

A Metro East woman emailed Contact 2 with a big problem: Lindy Evans says her employer withheld money for health insurance, but it never paid its portion of the premium. However, Lindy says her employer never told her the policy was dropped, so she continued using her insurance card for medical procedures. Months later, Lindy got a surprise $12,000 bill from her insurance company for services that weren't covered because she wasn't actually a policy holder.

A St. Louis University Law Professor says Lindy's situation is not all that uncommon, especially for employees who work for small businesses. The professor recommends that Lindy sue her former employer in state court.

news source : http://www.myfoxstl.com/

Unpack the value of travel insurance

Everyone hopes their trip of a lifetime doesn’t turn into a disaster, but life has a way of throwing curveballs. Travelers can minimize the damage of a last-minute illness, lost baggage or a bankrupt cruise line by purchasing travel insurance. Coverage that also includes medical and dental emergencies, and even medical evacuation, can add extra layers of security for overseas travelers.

I travel quite extensively and have never purchased travel insurance; however, according to a 2006 study by the U.S. Travel Insurance Association (UStiA), American leisure travelers are buying travel insurance more often than in the past. As many as 70 percent of Americans who book a cruise also buy travel insurance for their trip. Furthermore, one out of every six individuals who purchase travel insurance file an insurance claim at some point.

Travel insurance policies vary widely, so it’s important to examine the coverage offered and read the fine print before you buy. Package travel insurance policies typically include coverage for trip cancellation, lost or delayed baggage, medical or dental emergencies, travel delays or accidental death. Medical evacuation coverage is often sold as a separate policy.

Flight insurance, which provides compensation should death or injury result during a commercial flight, is generally considered unnecessary. The risk is low and most people are covered by their medical or life insurance in the event of injury and/or an accidental death policy in the event of death.

If you think you can skip health care travel insurance, keep in mind that Medicare and the majority of private health insurance policies do not cover medical expenses incurred while traveling outside the United States. In addition, if you should become seriously ill, a medical evacuation can cost thousands of dollars.

If you decide to purchase travel insurance, select your policy carefully. A quick Internet search for travel insurance generates a list of travel insurance comparison sites. Enter the dates, destinations, trip costs and age of travelers and you can get quotes and compare features and benefits of the various policies available. You may find that quotes for older travelers are higher. In addition, if you have a pre-existing medical condition, you may have a more difficult time obtaining the coverage you want.

A request for quotes from one of these comparison sites, for a 55-year-old traveler booking a cruise to Alaska from California valued at $4,000, delivered 31 package options ranging in price from $108 to $486 or, two to 12 percent of the cost of the trip.

news source : http://www.hcnonline.com/

The Importance Of International Travel Medical Insurance

Traveling on vacation or business is usually a lot of fun; exploring new places and cultures while enjoying new cuisines adds to the experience and pleasure of visiting new destinations but, at the same time, you must take into consideration the possibility of any sort of accident that may happen at any given moment. Therefore, international travel medical insurance is essential every single time you take a trip abroad. Where And How To Obtain International Travel Medical Insurance

Usually, when you book your vacation, your travel agent is responsible for letting you know about international travel medical insurance as well as its coverage and cost. All airlines expect you to have one as a requirement in order to be able to fly out of the country. If you are booking your flight tickets online, then you will probably be prompted to purchase international travel medical insurance as well; the insurance itself is not very expensive depending on the regulation of the country you are about to visit as each country applies different laws and regulations.

What Does International Travel Medical Insurance Cover?

International travel medical insurances usually covers any accidents that may happen when you are traveling; emergency evacuation and sometimes even refunds of travel costs; this feature usually differs from one insurance company to the other. Take a moment and read the you are about to buy for even if you may never expect to have any such emergencies you never know what may happen next and you will need to fall back on the medical insurance you just purchased.

Helpful Tip

International travel medical insurance is a precautionary matter that most travelers need to carry even if they have other medical insurances as well; they cover international laws and regulations and, therefore, apply only when you leave the country. International travel medical insurances differ vastly depending on the country you are about to visit, therefore, ask all relative questions before you are in an emergency situation and realize that you don’t even know how to get in touch with your insurance company or what types of accidents they cover.

Accidents happen everyday and even if it is the last thing that will ever cross your mind when planning a vacation or trip abroad, being careful and prepared can only keep you safe in case you should ever need international travel medical insurance.

news source : http://www.bestsyndication.com/