opinion Kenneth E. Thorpe Published 10:35 PM EST Nov 25, 2018 Open enrollment for Medicare's prescription drug benefit is underway. From now until December 7, millions of seniors will search for and select a drug plan that best fits their medical needs and budgetary constraints. The vast majority of seniors have at least one chronic condition, and more than two-thirds have two or more chronic conditions -- so choosing the right coverage is important. Fortunately, premium prices are expected to remain stable. But out-of-pocket pharmacy costs are expected to rise, thanks almost entirely to the benefit design set by many insurance plans. To keep premiums low, insurers are saddling sick enrollees with higher out-of-pocket bills. Increasing out-of-pocket expenses for patients with multiple chronic conditions is counterproductive. Higher cost-sharing reduces the likelihood of adherence to medication regimens, thus aggravating people's … [Read more...] about Opinion: Insurance flip-flop hurts seniors
Flip flops meaning
WHEN a warning symbol flashes up on the dashboard as you're driving, your first reaction is probably to panic. And you wouldn't be alone as research has revealed that more than half of Brits draw a blank at what the symbols actually mean A recent study by HPI found that 59 per cent of drivers struggle to recognise what all the warning lights on their dash mean. Worryingly, 96 per cent couldn't recognise a common braking issue light - potentially putting them in danger. A similar percentage didn't know when their diesel particle filter was showing a fault, and 93 per cent wouldn't know when they had a problem with their coolant. With it vital for every motorist to know when their car has a maintenance issue, we have broken down all the symbols that could pop up on your dash.What do each of the symbols on my car's dashboard mean? 1. Indicator to push the clutch 2. Indicator to push the brake pedal 3. Locked steering-wheel 4. Full beam turned on 5. Low tyre pressure 6. Side lights on 7. … [Read more...] about What do the warning symbols flashing on my car’s dashboard mean?
IT might just look like a fancy ornament, but the badge on your car actually has a hidden meaning. Some of the most iconic brands in the motoring industry certainly didn't stumble on their symbols by chance. From shaking hands to a horse meant to bring good luck, there is plenty of history behind each logo. So can you guess what each one really means? Read on to see what hidden meaning is behind the badge on your motor.Audi Audi's four ring logo came about after a company merger in 1932. The company joined forces with three other German automakers in Horch, Wanderer and Dampf-Kraft-Wagen (DKW), to create the Auto Union AG. Each ring of the logo represents an arm of auto union, with the overlapping circles showing their partnership.Hyundai While the Hyundai symbol might just look like the letter "H" in italics, it actually has a much deeper meaning. The company originally designed their logo to show a company salesperson shaking hands with a happy customer after making a deal. The final … [Read more...] about The hidden meaning of car logos – from Audi’s four rings to the Rolls-Royce Spirit of Ecstasy
Are you making any of these silly mistakes? If you wear the wrong footwear at the wheel or forget to renew your road tax it could lead to rejected car insurance claims. New research by Uswitch has found that two thirds of drivers make mistakes which put their future payouts at risk, risking up to £114 million in rejected car insurance claims each year. In a list of the most common misdemeanors made by motorists, the comparison website revealed wearing heels or flip flops as the easiest way to get your insurance written off. A quarter of the 1,593 drivers sampled by Uswitch said they've worn this type of footwear whilst driving, reported the Mirror. poll loading Have you ever driven in flip flops? 500+ VOTES SO FAR Yes No The report also found many motorists were unaware that items hanging from their windscreen or rear-view mirror that obstruct their view could invalidate their cover. Simple errors, which also involve forgetting to strap in your pet, could mean that British … [Read more...] about These 10 simple mistakes could invalidate your car insurance
The BMW Concept M8 Gran Coupe is the work of Domagoj Dukec, otherwise known as DD, and his team. An eight-year BMW veteran, the Croatian was recently put in charge of the company’s i and M sub-brands. Due in July 2019, the 8 Series Gran Coupe, dubbed G16, will follow the July 2018 arrival of the 8 Series Convertible and the October 2018 arrival of the 8 Series Coupe. “We made the Hofmeister kink part of the rear door to eliminate that ungainly panel in the C-post, pulled the front shutline of the engine compartment cover all the way forward to the kidney and the lights, and created a rear end which looks elegant and muscular while providing all the downforce engineering could ask for,” says Dukec. Both the Coupe and Gran Coupe will later be offered in M8 flavor, featuring a track-tested 650-horsepower twin-turbo V-8. Unique to the M8 design are three-pronged lower air intakes and wider front and rear tracks. The wide-bodied, road-hugging stance is bound to look mean … [Read more...] about Four-Door BMW Concept M8 Gran Coupe Concept Unveiled in Geneva