politics

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USA Top brands listing?

Hi everybody!,
I want to live in USA
can anyone tell me the most Big,Famous brands of those categories:
1) Shopping malls and stores
2) Insurance (car,medical,house)
3) Internet providers
4) Cable and T.V
Thanks in advance

I take it you are interested in the USA market? Malkiin above give you answers for Canada. For the USA it’s about like this:

1. Malls — Lots of Malls owned by lots of companies, but Simons is the closest thing to a nationwide “brand name” I think. As for stores, you got Wal-Mart, Target, Sears, Safeway (grocery) … lots of other in different retail specialties.

2. Insurance — State Farm, Geico, Allstate, Progressive, Farmers, USAA

3. Internet – AT&T, Verizon, Quest, Earthlink, Cox Internet, Time Warner Cable, AOL, MSN, Comcast

4. Cable TV – Time Warner, Cox, DirecTV, Dish Network, Comcast

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health insurance massachusetts

Many neck injuries, including whiplash, are the result of rear end collisions. Whiplash occurs when the occupant of a vehicle suffers neck injuries caused by over-extension of the neck. Whiplash is particularly common in rear end collisions as the driver or occupant of a vehicle that is struck from behind accelerates forward and then snaps back into their seat (usually because of a seatbelt or airbag).

Whiplash can be very painful and long-lasting, depending on the extent of the injury. If you believe you have whiplash or other neck injuries, you should know that whiplash injuries can worsen over time, especially when not properly treated.

Neck injuries like whiplash do not hinge upon the force of impact. Your whiplash and rear end collision injuries can be just as severe in a low-speed car accident as in a high-speed collision, especially if the head restraint was further than 2.5 inches from the back of your head at the time of impact.

Treatment for Whiplash and Rear End Collision Injuries

A common misconception exists that whiplash is a minor neck injury. The reality is that whiplash and rear end collisions account for the majority of all insurance claims relating to neck injuries.

An estimated average of 25% of all rear end accidents result in whiplash injuries.

These statistics, combined with the moderate to severe pain and the inability to fully move the neck associated with this injury, make a strong case for whiplash as a prominent, serious condition in the class of neck injuries.

Whiplash Therapies

Treatment for whiplash and rear end collision injuries depends on the severity of your condition. For example, if your range of motion is limited, your treatment may include spinal manipulation therapy to help realign your neck with your spinal column.

Treatment of neck injuries for whiplash can include prescription medicine, X-rays, heat and ice therapy, ultrasound therapy, massage, exercise, and neurological evaluation. It’s important to seek medical treatment immediately after an accident to ensure any potential neck injuries are identified and treatment can begin before the condition worsens.

Take Whiplash Seriously

All of these whiplash treatments are most effective the sooner they are undertaken. Therefore, it is very important for you to seek medical advice and treatment rather than letting the injury “heal on its own”. Do not let someone who says, “It’s probably just whiplash” deter you from seeking treatment.

Your whiplash pain is real and your neck injuries may be substantial. Even if your whiplash symptoms are only moderate now, they can worsen over time if left untreated or undiagnosed.

Costs for treating your whiplash neck injuries also should not delay your care. In Massachusetts, a personal injury lawsuit attorney can help you file a claim to seek compensation for your car accident medical bills and treatment.

If you have been seriously injured as a result of someone else’s negligence in Massachusetts, visit http://www.tomkileylaw.com/swat/index.cfm to learn about your rights and options under the law.

Massachusetts personal injury lawyer, Thomas M. Kiley, has been representing individuals against insurance companies since 1976. He was referred to as the “Million Dollar Man” in a featured article by the Boston Herald Sunday Magazine in it’s “Personal Best Series.” This was based on his record of obtaining million dollar verdicts and settlements in complex cases in which he represented injured victims against insurance companies.

Mr. Kiley is a respected member of numerous professional organizations including the American Association for Justice, the Massachusetts Academy of Trial Attorneys, and the Massachusetts Bar Association. He has achieved the highest possible rating (AV) for both legal ethics and ability by Martindale-Hubbell, the definitive guide to America’s leading lawyers and law firms.

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health insurance vs health care
anthem blue cross and blue shield vs united health care?

My husband and I are in need of health insurance. His work offers united health care and my work offers anthem blue cross and blue shields. I want to know if anyone can tell me which is better or more worth the price (pros and cons)..

thanks.
Also, what are the main things to look for when looking at the insurance.

Great question.

Health Insurance Considerations:

1. Your Doctor: Some health care plans require you to use their network of doctors. If you currently have a physician that you would like to keep seeing, then check first to see if your doctor is included in the health care plan you are considering.

2. Specialists: If you have specific medical conditions or believe you may need to use specialists in the future you will want to find out how you will be able to use a specialist. Check to see if you will always need to contact your primary care physician first.

3. Pre-Existing Conditions: This seems like a no-brainer but sometimes in the confusion of choosing health care plans many forget to confirm that their pre-existing condition will be covered or one just assumes it is.

4. Emergency and Hospital Care: You will want to find out what emergency rooms and hospitals are covered on your plan. In addition, find out what constitutes an “emergency.”

5. Regular Physicals and Health Screenings: If you like getting regular physicals and health screenings you will want to make sure they are covered. Most managed care plans cover these types of screenings yearly, but some independent insurance plans do not cover them at all.

6. Prescription Drug Coverage: If you currently use prescription drugs on a regular basis or think you may need to in the future, you will want to consider a plan that has a good prescription drug coverage.

7. Costs: Now that you know what you want in your health care plan it is time to compare costs. Find out what deductibles you will need to pay first before the health care dollars will kick in. You will also want to know if your deductible needs to be met before any services can be used. Also, find out what percent the health care will pay after your deductible, as well what percent they will pay if you need to use a doctor, hospital, or specialist that is out of network if that is a concern to you.

8. Exclusions: The last consideration is the exclusions list. You will want to review each plan’s exclusions list to find out what is not covered and to see if any condition you currently have or expect to have in the future, is included on that list.

Hope this helps!


Brad, Personal Finance Educator

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