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"In an unprecedented move, Anthem Blue Cross Blue Shield plans representing Connecticut, New York and Missouri have unilaterally declared it will no longer pay for anesthesia care if the surgery or procedure goes beyond an arbitrary time limit, regardless of how long the surgical procedure takes. The American Society of Anesthesiologists calls on Anthem to reverse this proposal immediately.
Anesthesiologists provide individualized care to every patient, carefully assessing the patient’s health prior to the surgery, looking at existing diseases and medical conditions to determine the resources and medical expertise needed, attending to the patient during the entire procedure, resolving unexpected complications that may arise and/or extend the duration of the surgery, and working to ensure that the patient is comfortable during recovery.
Payment for anesthesia services is based on several factors, including the exact amount of time for anesthesiologists to deliver care preoperatively, during the operation, and when transitioning the patient to the recovery unit afterwards. With this new policy, Anthem will arbitrarily pre-determine the time allowed for anesthesia care during a surgery or procedure. If an anesthesiologist submits a bill where the actual time of care is longer than Anthem's limit, Anthem will deny payment for the anesthesiologist’s care. With this new policy, Anthem will not pay anesthesiologists for delivering safe and effective anesthesia care to patients who may need extra attention because their surgery is difficult, unusual or because a complication arises.
“This is just the latest in a long line of appalling behavior by commercial health insurers looking to drive their profits up at the expense of patients and physicians providing essential care,” said Donald E. Arnold, M.D., FACHE, FASA. “It’s a cynical money grab by Anthem, designed to take advantage of the commitment anesthesiologists make thousands of times each day to provide their patients with expert, complete and safe anesthesia care. This egregious policy breaks the trust between Anthem and its policyholders who expect their health insurer to pay physicians for the entirety of the care they need.”
ASA urges people concerned about Anthem’s proposal to contact their state insurance commissioner or their state legislator.
In June 2024, Elevance Health, the corporate name for Anthem, reported a 24.12% increase in its year-over-year net income to $2.3 billion and a 24.29% increase in its year-over-year net profit margin."
https://www.asahq.org/about-asa/newsroom/news-releases/2024/11/anthem-blue-cross-blue-shield-will-not-pay-complete-duration-of-anesthesia-for-surgical-procedures
#anthem#health insurance#capitalist dystopia#anesthesia#surgery#insurance coverage#blue cross blue shield#anthem blue cross blue shield#capitalism
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The Comeback of the Clarinet - Why Gen Z is Rediscovering This Classic Instrument
The clarinet is having a moment again. For years, it sat in the background while guitars and synths took the spotlight. But something is changing. More young musicians are picking up this woodwind and giving it new life.
From chill lo-fi beats to viral social media covers, the clarinet is finding its way into the hands and hearts of Gen Z. It is no longer just for school bands or classical concerts. It is now part of a bigger music shift. This blog dives into why the clarinet is making a comeback and why young people are here for it.
Why Is Gen Z Turning to the Clarinet?
The first thing that stands out about the clarinet is its sound. It can be soft and smooth one second, then sharp and bold the next. It fits into so many different styles of music. That’s why it is becoming popular on platforms like Spotify and YouTube. Artists are using it in jazz, indie pop, lo-fi, and even experimental hip-hop tracks. Its tone adds warmth and personality that electronic instruments sometimes miss.
Some creators on social media platforms are posting short, catchy covers of trending songs using the clarinet. These videos are getting thousands of likes and helping people see how versatile the instrument is. It is not stuck in the past. It is being used in creative, modern ways.
It’s Easy to Learn from Home Now
In the past, you had to find a teacher, buy a book, or join a school band to learn an instrument like the clarinet. Now, with YouTube, online classes, and apps, it’s easier than ever. You can search for beginner tutorials, practice tips, and sheet music all in one place.
Many people are starting their music journeys from home. They’re learning on their own time, which makes it feel less like school and more like a hobby. That freedom makes picking up the clarinet feel fun instead of stressful. Plus, renting or buying an instrument online has become simple. More stores are offering deals and guides to help first-time buyers choose the right gear.

Protecting your clarinet is important
As more people start playing the clarinet, they also begin to understand how valuable their instruments are. Even beginner clarinets can be expensive. And for those who move on to intermediate or professional models, the cost can be even higher.
That’s why a lot of musicians are now learning about musical instrument insurance. If your instrument gets damaged, lost, or stolen, repairs or replacements can cost hundreds, sometimes thousands. Having clarinet insurance means you don’t have to stress if something unexpected happens to your clarinet gear. It is beneficial for those who often perform, travel, or carry their instrument around.
Why does it fit Chill Music so well?
One of the coolest parts of the clarinet’s comeback is how well it fits into chill and lo-fi music. These genres are all about mood, calm, and creativity. The clarinet’s mellow tone is perfect for that. Producers are sampling clarinet melodies into beats or playing live alongside electronic sounds.
Some lo-fi YouTube channels even feature live recordings of clarinet solos over soft drum loops. The combination sounds smooth and modern. It gives a new spin to an instrument that many only associate with classical or jazz music. Gen Z listeners, who often use music to study, relax, or create, are naturally drawn to that kind of sound.
Schools and Community Groups Still Help
While TikTok and YouTube are big influences, traditional paths are still a big reason young players get into the clarinet. School music programs, college bands, and youth orchestras give people their first taste of playing an instrument with others. These programs are key to building skills and confidence.
Many players start out learning the basics in school, then keep playing on their own. With new online communities, it’s easier to stick with the instrument beyond those first few years. Clarinetists are not just practicing for grades anymore. They’re doing it for fun, passion, and creativity.
Final Thoughts
The clarinet is no longer just a background instrument. Gen Z is bringing it into the spotlight. With social media, easier learning tools, and growing interest in chill and lo-fi music, the clarinet has found a new audience. It sounds fresh again, and young musicians are proud to play it.
If you're thinking about picking one up, now is a great time. Just make sure you care for it properly and think ahead about things like maintenance and clarinet insurance. The more people play and share, the stronger the clarinet community becomes. It is exciting to see what the next wave of clarinetists will create.
#clarinet#insurance#instrument#music#musicians#insurance coverage#music gear#musical instruments insurance#new york
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Been having issues with my insurance denying a potentially life altering surgery that inspired this
#healthcare#american healthcare#american health system#insurance#insurance company#insurance coverage#I love having my pectus excavatum and carinatum surgery denied! Yes I love getting denied a surgery I’ve wanted since I was 11! (Sarcasm)#i now have to get a bunch of tests to see if there’s any way I can prove it’s not “cosmetic”
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Types of String Musical Instruments
String instruments have knitted their musical magic throughout human history. It travels from cultures and generations. From the ancient lyres of Mesopotamia to the sophisticated violins of the Baroque era, these instruments have been integral to the evolution of music.
This blog will take you through the rich canvas of string. It will also remind you about how crucial it is to buy a dedicated string instrument insurance plan to protect your gear, irrespective of its type or family. Let's read on!
Meet the Members of the String Family
Plucked String Instruments: As the name suggests, the plucked string instruments make a sound when you pluck or strum their strings. Some of the best examples include the guitar, banjo, harp, and sitar.
Guitar: It is a versatile instrument that has a long neck and comes with typically six strings, although variations do exist. It is central to diverse musical genres, including rock, jazz, blues, and classical.
Banjo: With its roots of origin in Africa and adopted in the Americas, the banjo features a circular body and four to six strings. It is a prominent part of folk, bluegrass, and country music.
Harp: Characterized by its vertical frame and strings, it is one of the oldest string instruments. You would hear it in classical, folk, and Celtic music traditions.
Sitar: It is a plucked string instrument from India. It has a gourd-shaped body and movable frets. It plays a vital role in Indian classical music, with its intricate melodies and rhythmic patterns.
No matter which type of plucked string you play or own, make sure to secure it with the right insurance policy dedicated to musical instruments.
Bowed string instruments
Bowed string instruments produce sound when you vibrate their strings with a bow. The instruments that fall under this category are:
Violin: With its four strings and high-pitched sound, the violin is a cornerstone of classical orchestras. It also features prominently in various genres, including folk, jazz, and popular music.
Viola: Slightly bigger than the violin and tuned lower, the viola adds depth and richness to ensemble performances. It plays an essential role in classical chamber music and orchestras.
Cello: Also known as the violoncello, the cello has a deep, resonant tone. It is integral to orchestral arrangements, chamber music, and solo performances.
Double Bass: It is the largest and lowest-pitched instrument in the string family. It makes the base of the sound of bands. It is indispensable in classical, jazz, and contemporary music genres.

Fretted String Instruments
Fretted string instruments feature frets. The latter are metal strips implanted along the neck to mark specific musical intervals. Examples include the following:
Bass Guitar: Similar in appearance to the guitar but with a longer neck and fewer strings, the bass guitar produces lower frequencies and serves as the rhythmic backbone in many musical ensembles.
Ukulele: A small, four-stringed instrument with roots in Hawaii, the ukulele exudes a cheerful, bright sound. It is popular in folk, pop, and Hawaiian music styles.
Zither Family
Zithers are string instruments featuring a flat body with strings stretched across it. They are played by plucking or strumming the strings.
Autoharp: Equipped with buttons or keys that dampen specific strings, the autoharp enables players to create chords effortlessly. You can see them being used in folk and country music.
Appalachian Dulcimer: Originating from the Appalachian region of the United States, the dulcimer has a long, narrow body and fretted fingerboard. Musicians cherish it for its sweet, melodic tones.
Now that you are well aware of the broadness of string instruments, probably, you have also understood how delicate these pieces of art are. Isn’t it? So, if you own a string or are planning to buy one, do not give a second thought to buying a standalone string instrument insurance plan. This may seem just another piece of formal document to you in the first place. However, its benefits go beyond the same. It protects your gear from many unforeseen events that may make you fall into financial doldrums.
#string instrument#music#musicians#insurance#insurance coverage#musical instruments insurance#guitar
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8 Tips to Ensure Your Car Is Safe for Your Family
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Does Insurance for Musical Instruments Worth the Salt?
When it comes to ensuring musical instruments many musicians may question its necessity. Probably, you have the same set of apprehensions about buying a dedicated plan for your gear. Right? One such query is - what if your instruments are already covered under their homeowners or renters' insurance policy? Well! There are a few reasons why specialized instrument insurance is relevant and beneficial. Read on to find those reasons.
Understanding the Relevance of Instrument Insurance
Here, we have rounded up a list of reasons why buying dedicated insurance for musical instruments is necessary. Let’s take a close look at the pointers jotted below:
Coverage for specific perils: While home or renters' insurance is likely to provide coverage for personal property (including your musical apparatus), they often come with restrictions on the types of perils covered. As musical instruments are susceptible to specific risks such as accidental damage, theft, or damage during a performance or transportation, home insurance might not provide adequate protection. However, specialized instrument insurance is designed to address these unique risks comprehensively.
Worldwide protection: Instrument insurance typically offers global coverage. It means that your instrument is protected not just at your home but also during travels or performances, ensuring peace of mind whether you're playing on a local stage or touring nationally. You are unlikely to get it covered with your home insurance plan.
Higher valuation: Musical instruments, especially high-end and vintage pieces, can be valuable assets. Traditional insurance policies may undervalue your instrument or provide insufficient coverage. Specialized instrument insurance allows you to establish the instrument's value and obtain adequate coverage. So, insurance is a win-win purchase for you.
Customized coverage: With instrument insurance, you can tailor your policy to meet your specific coverage needs. Whether you need protection against loss of income due to instrument damage or protection for accessories like cases, amplifiers, and sound equipment, you can customize your policy accordingly.
No deductibles: Many standard homeowners or renters' insurance policies come with deductibles, which means you have to pay a certain amount out of pocket before your insurance kicks in. In contrast, specialized instrument insurance often offers no deductibles, ensuring you are fully covered right from the start date of your insurance policy.

Choosing the Right Instrument Insurance
Before you decide to insure your musical instruments, here are some factors to consider:
Instrument appraisal: Get your instruments appraised to determine their current value accurately. It is crucial when seeking coverage that adequately reflects the instrument's worth.
Coverage types: Understand the different coverage options available. Consider what perils you want to protect against and what additional features you might need.
Insurance providers: Research various instrument insurance providers to compare coverage options, costs, and customer reviews. Reputable providers like Clarion Associates specialize in insuring musical instruments. Choosing one like them will help you get the right type and extent of protection for your musical buddies.
Documentation: Keep detailed records of your instruments, including photographs, serial numbers, receipts, and appraisals. Every piece of paper relevant to your insurance will be essential when filing a claim.
Review the policy: Read the policy terms and conditions of the insurance for musical instruments you intend to buy carefully to ensure you understand what is covered, the coverage limits, and any exclusions.
Conclusion
Your musical instruments are not just objects. You know it to the core of your heart that they are a part of your identity and passion. Instrument insurance in the USA offers the protection and peace of mind you need to continue creating and performing without worry. Do make it a thumb rule - do not wait until disaster strikes to realize the value of this coverage. Take the time to research, assess your needs, and invest in the right insurance for your instruments. In doing so, you can ensure that your beloved instruments remain safe, and your music continues to inspire and resonate with audiences for years to come.
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#assessment Small#Business asset protection#Business continuity#Business credibility#business finance#Business protection#Commercial insurance#Cyber insurance#Insurance advice#Insurance coverage#Insurance for entrepreneurs#Insurance policies#Insurance tips Risk#Legal requirements#Liability insurance#Professional liability#Property insurance#Risk management#Small business insurance#Worker's compensation
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HDFC Bank Insurance Coverage on Debit Card
The hidden perks of HDFC Bank’s debit cards! From ₹25 lakh accident cover to ₹3 crore air travel insurance, each card unveils unique benefits. Are premium features worth the fees? How do they stack up against ICICI, SBI, and Axis? Unravel the suspense of choosing the best card, learn how to apply, and explore IDBI’s top offerings. Your perfect debit card awaits—dive in to find out which…
#air accident#annual fee#baggage loss#cashback#fire insurance#HDFC debit card#insurance coverage#lounge access#personal accident#platinum card
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Landlord commercial building insurance
Protect your investment with Landlord Commercial Building Insurance from Auswide Insurance Brokers. Cover damage, liability, and loss of rental income. Tailored for Aussie landlords to keep your property secure and profitable. Get expert advice and a free quote today!

#australian insurance company#insurance advisor#insurance broker#insurance policy#insurance tips#insurance#auswideinsurance#insurance claim assistance#insurance coverage#insurancebrokers
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The Difference Between Piccolo and Flute Instruments
At first glance, the piccolo and flute might seem like twins in the woodwind family. Both are held horizontally, played by blowing across a hole and possess a similar elegance. But if you delve deeper, you will find a universe of differences between these two instruments. This blog will unveil the key differences between the piccolo and flute, encompassing size, sound, range, construction, and their roles in the musical landscape.
Differences in the Pitch: High Notes vs. Melodic Flow
The disparity in size directly translates into a significant difference in pitch. The flute boasts a rich, lower pitch, with a range spanning three octaves, starting from middle C. It allows the flute to navigate a vast sonic territory, weaving melodies that can be both serene and vibrant.
The piccolo, on the other hand, is a champion of the high notes. Due to its shorter length, it produces a sound pitched one octave higher than written. It translates to a bright, piercing quality, often used for adding accents, excitement, or a touch of whimsy to a musical piece.
Precision Can Make All the Difference
While the basic fingering system might be similar for both instruments, the piccolo presents a unique challenge due to its diminutive size.
The tone holes and keys are considerably smaller and spaced closer together compared to the flute. It demands a higher degree of finger dexterity and precise embouchure (the positioning of the lips on the mouthpiece) from the player to achieve clear and accurate notes.
Interestingly, some flutists find the closer spacing of the piccolo's keys to be more comfortable for their hand size. However, the smaller embouchure hole on the piccolo necessitates a more focused and directed air stream to produce a clean sound, especially in the higher registers.

Construction Choices: Material and Mechanism
Flutes are traditionally crafted from silver or nickel-plated silver, although professional models can be made of gold or even wood. This material selection influences the instrument's tonal qualities, with silver offering a bright and clear sound, while gold imparts a warmer and richer character. All the work that goes into making these delicate pieces deserves kudos and your flute or piccolo deserves a comprehensive musical instrument insurance plan or dedicated policies like piccolo insurance and flute coverage plans.
Piccolos are predominantly constructed from grenadilla wood, similar to high-end clarinets. This wood resonates well with the piccolo's high-pitched nature, producing a focused and penetrating sound. However, some student-grade piccolos might be made of plastic or ABS resin for affordability.
The keywork on both instruments facilitates playing notes that wouldn't be possible with just open finger holes. The flute, with its three sections, offers more intricate key mechanisms. It allows for a wider range of notes and half-tones. The piccolo's simpler two-section design translates to a slightly less complex keywork system.
Taking Center Stage: Where Flute and Piccolo Shine
The flute is a versatile workhorse in the musical world. It's a mainstay in symphony orchestras, chamber ensembles, solo performances, and even folk music traditions across the globe. Its expressive range allows it to sing lyrical melodies, weave intricate counterpoint lines, or add a breath of airiness to a composition.
The piccolo, with its piercing brilliance, often takes on specific roles within an orchestra. It injects excitement during dramatic passages, adds a touch of whimsy in lighter moments, or creates a sense of urgency in fast-paced sections. Its high notes have the power to slice through the entire orchestra, drawing the listener's attention to a specific motif or melody.
The bottom line
Whether you own a flute or piccolo, make sure to buy a dedicated insurance policy weighing in their pricelessness in your life and career. There are many reputable musical instruments insurance providers, who help you customize your flute or piccolo insurance plan according to your needs and preferences. Get in touch with the best right away!
#piccolo#piccolo insurance#music#musicians#insurance#musical instruments#insurance coverage#new york
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Comprehensive Car Insurance: What You Need to Know
Choosing the right car insurance can be overwhelming, especially when you’re faced with so many unfamiliar terms and policy options. The best and most common recommended kind of car insurance is the comprehensive car insurance where the insurance covers a wide range of things and not only collisions.
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Choosing a Music Dealer Insurance Plan: Crucial Aspects to Consider
Running a music instrument dealership means many facets to consider. From managing inventory to providing excellent customer service, the responsibilities can be endless and, sometimes, overwhelming. Among these responsibilities, one often overlooked but essential aspect is insurance. The right Music Dealer Insurance plan can safeguard your business against unexpected events and liabilities. Let's dive into the crucial aspects to consider when choosing music instrument dealer insurance.
The Music Industry Landscape
Before we dive into the intricacies of insurance, it is essential to understand the unique landscape of the music instrument industry. Music stores and dealerships vary widely, from small, independent shops to large, multi-location retailers. The inventory may range from guitars and pianos to rare and valuable vintage instruments. Therefore, the insurance needs of each music instrument dealer can be diverse.
Types of Insurance Coverage You May Need
• General Liability Insurance: This is a foundational coverage that every music instrument dealer should have. It protects your business from third-party claims of bodily injury, property damage, or advertising injury. • Property Insurance: Your inventory is the lifeblood of your business. Property insurance will protect your music instruments, equipment, and the physical structure of your store from fire, theft, vandalism, and other perils. • Product Liability Insurance: Do you sell musical instruments? Product liability insurance is crucial. It protects you if a product you sell causes harm or injury to a customer. It is particularly vital if you sell instruments with electrical components or accessories. • Business Interruption Insurance: This type of coverage can be a lifeline if your store has to shut down temporarily due to a covered event. It helps cover ongoing expenses like rent, payroll, and utilities, ensuring your business can survive challenging times.
Assessing Your Needs
Now that you are familiar with the types of insurance coverage available, it is necessary to assess your specific needs. Every music instrument dealer is unique, and your insurance requirements may differ from others. Here are some factors to consider:
• Inventory Value: The total value of your inventory plays a significant role in determining your insurance needs. Make sure your Music Dealer Insurance coverage adequately reflects the worth of your musical instruments. • Location: The geographic location of your store can impact your insurance rates. High-crime areas or regions prone to natural disasters may require additional coverage. • Business Size: The size and scale of your music instrument dealership will influence your insurance needs. Larger businesses with multiple locations may need broader coverage than a small, single-store operation. • Customer Base: Consider the demographics of your customer base. Are you catering to professional musicians, beginners, or collectors? The type of clientele you serve can affect your liability exposure.
Finding the Right Insurance Provider
Choosing the right insurance provider is as crucial as selecting the right coverage. Here are some tips to help you make an informed decision:
• Specialization: Look for insurance providers with experience in the music instrument industry. They will be more attuned to your specific needs and potential risks. • Reputation: Research the reputation of the insurance company. Read reviews and ask for referrals from fellow music instrument dealers. A reliable insurer should have a track record of fair claims handling. • Customization: Seek an insurer who can customize your insurance plan to suit your unique needs. A one-size-fits-all approach may not provide the necessary protection for your business. • Cost and Deductibles: Compare quotes from multiple insurers to find a balance between coverage and cost. Consider the deductibles and premium rates to ensure they align with your budget.
Conclusion
In the world of music instrument dealerships, insurance is a vital aspect that should not be overlooked. Choosing the right insurance plan involves careful consideration of your unique needs, assessing the types of coverage required, and selecting a reputable insurance provider. By investing time and effort into securing the right insurance, you can protect your music instrument dealership from unforeseen challenges and continue to make beautiful music for years to come.
#music#musicians#music dealer insurance#musical instrument#insurance#insurance coverage#insurance company
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Exploring the Maternal and Baby Products Industry: Does Insurance Cover Momcozy?
Hello everyone! I'm excited to share my thoughts on the maternal and baby products industry, particularly focusing on the brand Momcozy. As a new parent, I find it essential to choose the right products for both myself and my baby. Momcozy has been a fantastic brand for me, offering a variety of high-quality products that cater to the needs of mothers and their little ones.
One question I often come across is, 'Does insurance cover Momcozy products?' While it can vary by insurance provider, many plans do offer coverage for certain maternal and baby products. It’s always a good idea to check with your insurance company to see what specific items are covered, as this can help ease the financial burden of purchasing essential products.
I’ve personally found Momcozy’s products to be both functional and stylish, which is a huge plus for me. Their breastfeeding accessories and baby care items are designed with both comfort and practicality in mind.
If you’re on the lookout for reliable maternal and baby products, I highly recommend checking out Momcozy. It’s great to know that there are options available that can also potentially be covered by insurance.
Thank you for reading, and I hope this helps fellow parents in making informed decisions!
#baby care#breastfeeding accessories#insurance coverage#maternal products#financial tips#new parents#Momcozy
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