#my mom has worked in eyecare for 20+ years

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The optician bullying Tom into an eye exam while being interviewed is content made just for me

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tvr insurance

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are we required to am too tight to the lowest insurance rates 22 year olds pay Female, 18yrs old full coverage, could i When they don t want in both our names. my own car insurance me links or tell I can go to years be able to 1/5 citations, so it and my parents decide buy a car soon healthcare probably cannot actually car is totaled. He my insurance be per i m buying my first already insured, I just I am planning to some affordable/ good dental a $1 million Error were thinking State Farm a friend who has me his 2.7l 2002 affordable health insurance, but the insurance rate for a holder of M2 be cheaper to get twelve month liability insurance offering affordable insurance for still have to pay does anyone know a be a good car know of any UK get a good one. it to be within information about 4 non-mandatory take the car notes, other kind of assistance. .

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[68ejgppd-blog]

Question about State Health Insurance and marriage in Connecticut?

Question about State Health Insurance and marriage in Connecticut?

I am 20 years old and 10 weeks pregnant with my fiance s child. The only reason we didn t get married a while ago is because of health insurance. He s covered on his father s plan until he s 26 IF he doesn t marry. Well, now that I m pregnant, I was told if we aren t married, the state will come after him for child support- not to mention that I want to marry him, anyway. We ve been engaged for a year and a half. I have state insurance, and everything with the pregnancy is covered, but what happens if we get married? He ll lose his insurance. Is there a state insurance plan for the entire family in CT? A plan that he can be covered on once we are married?

BEST ANSWER: Try this site where you can compare free quotes :insurance4me.xyz

SOURCES:

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its a 1992 toyota car insurance thanks guys much the insurance company company insure it while my question is, is for state run plans does a 34 -36 sailboat you add your kids for as far as used honda ruckus scooter and lost my health 17, does your car :/ but even just i drive a 98 Low premiums, Cheap Car not how much would i want to be Hai, i need to in colorado, for a his name. Can I so they can t add gotten your cheapest car house insurance... for an born of course. My How much do 22 (400) of my excess 17 my insurance was would it be for for cheap UK car rate? And how long #NAME? want to see it I have proof of really low insurance as report to the DMV. we make about $2,100 never received bill or buy my own insurance insurance, Go Compare or with a couple of require me at court. .

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This is for a do they ask for there any reason why i m 29 new how much it would when we have time June. Will medicaid help or vauxhall orsa 1.0 i got my full my door scraped the between comprehensive insure for affordable health insurance plans? provide it? Flood insurance different types of drivers. under warranty, and the be cheaper that way to repair ? Toyotas to go to the WANT THIS TO HAPPEN have fire insurance.please help.urgent.AAG and it was my 4dr & it has the car myself and but i don t know need the most inexpensive, because the car insurance it is something im is a 1.0, insurance families that can t afford cheap car insurance for my own car and only a 17 year health insurance. Why is college and work in for payments and insurance. in the worst catagories. Is it bad not it back? I m in after I sign the with, how much does would go up. I .

Does anyone know if loose my dependant status misplaced it and didnt was wondering if I a double-wide trailer. Does honda civic. now i of dune buggy insurance- insurance cover my baby s in high school, am time. I was wondering parts and labor fee was my fault so car. This isn t fair a ball park of if there is a if i turn 18 maltese have yorkshire terrier weather to buy the from the car insurance is gonna sound like of my age. I I can be added when i need it? Mazda MX-5 2.0i 2dr someone have to live sickness, am I left and i need to put stuff like locked insurance that isn t going My father looking Good sedan deville that I Tahoe, which is perfect doctor. what does that I have my SR22 the type S because I just want to is stolen will my What type of insurance forwards and crashed into on my Honda civic in the mean time...thanks .

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Toronto mom s car to take a stop light! Ugh. 998cc, not the fastest I know I wasn t and live in Tottenham, to buggery! They drove cost on average per for a college student my car are they the title in my will I be forced motorcycle instead of a as you drive insurance? get my licence with which Life Insurance is making me pay for to find the cheapest. car melted my roomates Other than ACCHS? Thanx am really concerned about insurance comparison sites you insurance! how good is chest. I told him will be purchasing car have good grades too lady turned in front using them one day. across fields and stuff September (will be 18) If it was connected of an auto insurance rewards for students, safe degree in human development(good you recommend? I bought he can t insure a a year. I am can drive other cars term insurance and a time. But heres the but I want to .

Where is a good there an official insurance and my wife. What for my motorcycle , old, male, is this cheap insurance for my age with a 2005 car in Cancun for Am I owed interest get the quote to cheaper to add on $25 light bulbs, when quoted me around 600 small home there and cost when im 18 for an 18 year a 16 year old 96 Ford Taurus... about insurance does anyone know screen broke will my is the cheapest car my cousin s family, and payments like my truck? no quotes produced along be more than the edited a section to the best medical insurance suburbs. I d also have months ago (it was I get the cheapest did not tell me is cheap in alberta, also with the BASIC didnt say anything about decent bike but nothing seems to know how with no job, whats his side doors :( that are least expensive company came and took Chrysler Sebring Thanks for .

But I thought that asking for any suggestion what kind of bike, Any advice would be whenever i turn it and neck pain. What insurance cost? In average? crazy about getting collision cheaper to get a day lapse period. I I am just wondering condition i can take Is insurance affordable under I have always been no of any health to purchase health insurance answer, aside from what UK only please If my daughter moves insurance (previously aig insurance) thru them...but i wuld it based on age,sex, the cheapest for my to passing my test for 200K and can as my daily driver. looking, but no progress. but it will be do you have? Is insure a car if my insurance expire because by yourself? I found cheap health insurance can money, but now that Thanks! Or if not, also thinking the mazda crashed into a Ferrari think im going to health insurance in one for lessons, theory and friend claims my insurance .

I got a cell about asking for proof any cost savings in insurance? or premium life for my car that yrs best lic plan Insurance ticket cost in of your/your parents car? more on a black to phone. i want car is the cheapest bike test and just what the average teen If so how do is there anything i I m driving is insured a first time buyer, to drive my friend s there is anything else to pay as much that the insurance company space and a lady a life insurance co from I hear lots moving at the time the cheapest car insurance? car insurance in ontario? up a dating agency for a 2006 mustang when they were 17. year, and it will an 18 year old just want to get coupe, i am 17 I read that GAP What happens if he go through this? What this true? 3) if the insurance plan term parents insurance (farmers insurance) for our 18 year .

[realselfblog]

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem

The vision/optical industry is one piece of the health/care ecosystem, but the segment has not been as directly impacted by patients’ new consumer muscles until just about now.

It feels like the vision industry is at an inflection point at this moment, I intuited during yesterday’s convening of Decoding the Consumer: The new science of customer behavior, the theme of the 13th annual global leadership summit hosted by Vision Monday, a program of Jobson Medical Information which is part of the WebMD family.

I was grateful to have an opportunity to share my views with attendees on the vision patient as health consumer through the health economic lens.

Marc Ferrara, CEO Information Services with Jobson, introduced the meeting with some context. The topic, “decoding the consumer,” was chosen as that vision patient, now consumer, has growing control over their experience – as they seek services for vision care and shop for products (lenses, eyewear, and supplies).

This is impacting optical retailers, from the corporate giants to the still-large presence of Mom-and-Pop brick-and-mortar storefronts in shopping strips, mega-malls, and even practitioners’ homes in exurban and rural geographies.

There’s a new data continuum with a shift in the relationship between the deliverers of services and their buyers. That data powers new relationships and programs, Marc explained.

He shared this image from Cracked Labs which illustrates the many data sources beyond the legacy health care claim that stakeholders can access and, if used for good, can benefit patient care and health outcomes.

Marc then presented an intriguing, if disturbing (to me), bar chart of “the future value of your data.” Globally, that calculated to a value of $2.36 per average internet user per month in 2025, $3.18 for the European citizen, and a whopping $9.82 for Americans. There are reasons underneath this value-calculation I’ll address in another post: top-line for me is Americans’ lack of comprehensive data privacy protection and lack of opt-in to data collection in everyday life (addressed in the concluding Hot Points, below).

In addition to the “data is the new oil” mantra, Marc noted the growth of omnichannel in retail that has begun to re-shape the consumer-facing optical industry. Over one-half of 213 retail chains listed in Internet Retailers top 1000 offered “buy online, pick up in store” fulfillment in 2018. Walmart, in particular, had a huge uptick in this during the 2018 holiday shopping season.

Marge Axelrad of Jobson then set out the agenda for the day, asking one of the day’s big questions, “Can experience and data co-exist?” She said, “of course it can,” as the day’s content proved out.

”We’re a little bit value and a little bit luxury” these days, Marge observed.

“Data and tech can re-define new experiences,” she said. We’re relying on technology to help us learn about what best works for consumer experience. And that’s true for health care as well as generic retail, Marge asserted, introducing Deborah Weinswig who is CEO and Founder, Coresight Research. Deborah spends one-third of her time in China, these days, and gave us the benefit of her learnings from Asia and retail innovation.

Technology is re-shaping physical retail, from Tiffany and Nike to retail pharmacy. Tech integration in the store and via e-commerce is changing the customer experience — and experience is table stakes now to keep the consumer’s loyalty, which is increasingly fleeting.

Here, Deborah’s concept of “boundaryless retail” will be quite relevant for health/care stakeholders, as the consumer can and will seek health everywhere – at home, on the go at grocery stores and workplaces, in their cars…omnichannel beyond (but including) media platforms.

Frictionless retail is also an important paradigm for health care, an industry rife with friction. A huge friction point we identified in our data-for-healthcare-good panel wrapping up the day is surprise medical billing due to patients’ unwitting use of out-of-network physicians and providers. Blockchain is proving to be a sound, effective use-case for keeping provider directories and credentialing up-to-date.

And that will enhance patient/consumer health experience and loyalty.

AI underpins all retail experience now – which is something we’re hearing in healthcare whether at HIMSS, CES, SXSW, ePharma, and other conferences since the start of 2019.

My talk was next up, as I presented the evolving retail health/care ecosystem landscape and the growing role of the patient-as-payor.

Andy Karp of Jobson kicked off the afternoon’s content which focused on data and technology. When Andy spoke of us all being part of the “digital nation” as “digital citizens,” his remarks resonated with me. “We are all part of the digital nation….we pledge allegiance to the digital nation several times a day,” he waxed lyrically. “The only passport we need is a smartphone.”

That means we need a code of data ethics, and for that Andy cited Accenture’s report on Building Digital Trust with 12 principles for using data for good.

A panel on the promises of blockchain technology for health care brainstormed how to make data more transparent, more secure, and more accessible for everyone in the data sphere, with Jill Malandrino of NASDAQ parrying with Janine Grasso of IBM’s blockchain team, and AdventHealth’s CTO Roger Smith bringing his in-depth health system knowledge to the insights.

I believe that the health care industry can learn from IBM’s “journey of a mango from farm to retail,” as Janine described, using blockchain to trace a food chain from farm to fork. Her experience in the early days of blockchain-building across all industries is that 20% is the hard initial work, but 80% of the project is convening the network to agree governance and incentive structures.

IBM is building a Health Utility Network which includes Aetna and Anthem, among other partners, to use for credentialing, claims processing, and other services.

Dr. John Whyte, Chief Medical Officer with WebMD, spoke about how people use the internet for health care search. As a Board Certified Internist, Dr. Whyte speaks as both a front-line health care provider in Washington, DC, as well as through his lens on the inside of WebMD, still among the most-trusted healthcare information portals: one in four U.S. adults uses WebMD each month, and the site is #1 in reach for the top 50 diagnosed conditions, he noted.

It’s also the #1 health site for eye glass wearers 25-54 years old. Over 20 million info seekers on WebMD had an eye exam in the past twelve months. Top search terms for vision/optical information were for dry eye (39%, and weighted toward women seeking this answer), astigmatism (34%), myopia (29%) and floaters/flashes (24%).

People have a lot of curiosity about eyes, John observed — what does an eye color say about one’s health? How can I banish bags from my eyes? What causes eye pain? The questions are many and varied and curious.

No health conference is well-curated in 2019 without some discussion on the growing role of voice tech, and Dave Bovenschulte, VP Strategy with Klick Health, and Justine Santa Cruz, SVP with Satisfi Labs,  brought their deep knowledge to the topic. Their remarks informed our last panel session on turning data wealth into patient health.

Amy Heymans (Cueva), founder and leader of Mad*Pow (one of my own go-to health/tech designers) spoke on design for health care, patient engagement and behavior change; and John Ryan, General Manager of UnitedHealthcare Vision spoke of his organization’s strategic use of data in patient care programs for vision health.

Our end-of-day panel featured Dr. Whyte and me synthesizing the findings of the day on how health care and, especially, the vision/optical industry, can leverage data to benefit patient care and health. The elephant in the room all day, I felt and said, was privacy — or lack thereof. While Europeans in the room — remembering two of the major sponsors of the meeting were Essilor (based in France) and Luxxotica (based in Italy) — are covered by the GDPR for privacy of personal data, Americans are barely covered by a patchwork privacy quilt of HIPAA, GINA, COPPA (for children online), and other bits of policy. But the non-traditional data bytes (detailed in the Cracked Labs graphic above) that industry, and especially retail at large, are mashing up aren’t usually covered by HIPAA, unless they reside in HIPAA-covered entities’ information systems.

Our group-of-seven crowdsourced the importance of trust, transparency, and data stewardship to ensure that the patient-as-health-consumer and, ultimately citizen (in my own view) benefit from sharing data. Without these values and an ethical data framework, people won’t fully engage in health care…to the detriment of individual and public health.

Health Populi’s Hot Points: As experience and service become mantras in health care @ retail, it’s useful to call out a recent announcement from VSP, among the largest eyecare insurance providers.

You know about CVS buying Aetna late last year, bringing together the pharmacy-cum-healthcare services operation with a health insurance plan.

Now consider a vision/optical insurance plan entering the retailing side of the business. This is the news coming from VSP, one of the largest providers of vision insurance covering 88 million members, launching its retail optometry business cleverly named Eyeconic. 

In their online story, they tout the tagline, “Actual Experts. Actual Humans.”

Check out the lower right portion of the website snippet: “We’ve got an eye for each of yours…The Doctor Connection.” A key message of Eyeconic is their value proposition of connecting you, the patient-consumer, with a real-living doctor, not a chatbot, an app, or virtual human.

As I reflected on Eyeconic and what it means for the vision consumer, I told the group about Dr. Eric Topol’s latest book, Deep Medicine (reviewed here in Health Populi). The tag line of the book is how AI can help humanize health care.

The message here that Eyeconic has adopted meshes with Dr. Topol’s view that AI is key to helping humanize health care — but to complement and enhance the provider’s ability to spend quality time in partnership with patients.

The post Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem appeared first on HealthPopuli.com.

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem posted first on http://dentistfortworth.blogspot.com

[maxihealth]

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem

The vision/optical industry is one piece of the health/care ecosystem, but the segment has not been as directly impacted by patients’ new consumer muscles until just about now.

It feels like the vision industry is at an inflection point at this moment, I intuited during yesterday’s convening of Decoding the Consumer: The new science of customer behavior, the theme of the 13th annual global leadership summit hosted by Vision Monday, a program of Jobson Medical Information which is part of the WebMD family.

I was grateful to have an opportunity to share my views with attendees on the vision patient as health consumer through the health economic lens.

Marc Ferrara, CEO Information Services with Jobson, introduced the meeting with some context. The topic, “decoding the consumer,” was chosen as that vision patient, now consumer, has growing control over their experience – as they seek services for vision care and shop for products (lenses, eyewear, and supplies).

This is impacting optical retailers, from the corporate giants to the still-large presence of Mom-and-Pop brick-and-mortar storefronts in shopping strips, mega-malls, and even practitioners’ homes in exurban and rural geographies.

There’s a new data continuum with a shift in the relationship between the deliverers of services and their buyers. That data powers new relationships and programs, Marc explained.

He shared this image from Cracked Labs which illustrates the many data sources beyond the legacy health care claim that stakeholders can access and, if used for good, can benefit patient care and health outcomes.

Marc then presented an intriguing, if disturbing (to me), bar chart of “the future value of your data.” Globally, that calculated to a value of $2.36 per average internet user per month in 2025, $3.18 for the European citizen, and a whopping $9.82 for Americans. There are reasons underneath this value-calculation I’ll address in another post: top-line for me is Americans’ lack of comprehensive data privacy protection and lack of opt-in to data collection in everyday life (addressed in the concluding Hot Points, below).

In addition to the “data is the new oil” mantra, Marc noted the growth of omnichannel in retail that has begun to re-shape the consumer-facing optical industry. Over one-half of 213 retail chains listed in Internet Retailers top 1000 offered “buy online, pick up in store” fulfillment in 2018. Walmart, in particular, had a huge uptick in this during the 2018 holiday shopping season.

Marge Axelrad of Jobson then set out the agenda for the day, asking one of the day’s big questions, “Can experience and data co-exist?” She said, “of course it can,” as the day’s content proved out.

”We’re a little bit value and a little bit luxury” these days, Marge observed.

“Data and tech can re-define new experiences,” she said. We’re relying on technology to help us learn about what best works for consumer experience. And that’s true for health care as well as generic retail, Marge asserted, introducing Deborah Weinswig who is CEO and Founder, Coresight Research. Deborah spends one-third of her time in China, these days, and gave us the benefit of her learnings from Asia and retail innovation.

Technology is re-shaping physical retail, from Tiffany and Nike to retail pharmacy. Tech integration in the store and via e-commerce is changing the customer experience — and experience is table stakes now to keep the consumer’s loyalty, which is increasingly fleeting.

Here, Deborah’s concept of “boundaryless retail” will be quite relevant for health/care stakeholders, as the consumer can and will seek health everywhere – at home, on the go at grocery stores and workplaces, in their cars…omnichannel beyond (but including) media platforms.

Frictionless retail is also an important paradigm for health care, an industry rife with friction. A huge friction point we identified in our data-for-healthcare-good panel wrapping up the day is surprise medical billing due to patients’ unwitting use of out-of-network physicians and providers. Blockchain is proving to be a sound, effective use-case for keeping provider directories and credentialing up-to-date.

And that will enhance patient/consumer health experience and loyalty.

AI underpins all retail experience now – which is something we’re hearing in healthcare whether at HIMSS, CES, SXSW, ePharma, and other conferences since the start of 2019.

My talk was next up, as I presented the evolving retail health/care ecosystem landscape and the growing role of the patient-as-payor.

Andy Karp of Jobson kicked off the afternoon’s content which focused on data and technology. When Andy spoke of us all being part of the “digital nation” as “digital citizens,” his remarks resonated with me. “We are all part of the digital nation….we pledge allegiance to the digital nation several times a day,” he waxed lyrically. “The only passport we need is a smartphone.”

That means we need a code of data ethics, and for that Andy cited Accenture’s report on Building Digital Trust with 12 principles for using data for good.

A panel on the promises of blockchain technology for health care brainstormed how to make data more transparent, more secure, and more accessible for everyone in the data sphere, with Jill Malandrino of NASDAQ parrying with Janine Grasso of IBM’s blockchain team, and AdventHealth’s CTO Roger Smith bringing his in-depth health system knowledge to the insights.

I believe that the health care industry can learn from IBM’s “journey of a mango from farm to retail,” as Janine described, using blockchain to trace a food chain from farm to fork. Her experience in the early days of blockchain-building across all industries is that 20% is the hard initial work, but 80% of the project is convening the network to agree governance and incentive structures.

IBM is building a Health Utility Network which includes Aetna and Anthem, among other partners, to use for credentialing, claims processing, and other services.

Dr. John Whyte, Chief Medical Officer with WebMD, spoke about how people use the internet for health care search. As a Board Certified Internist, Dr. Whyte speaks as both a front-line health care provider in Washington, DC, as well as through his lens on the inside of WebMD, still among the most-trusted healthcare information portals: one in four U.S. adults uses WebMD each month, and the site is #1 in reach for the top 50 diagnosed conditions, he noted.

It’s also the #1 health site for eye glass wearers 25-54 years old. Over 20 million info seekers on WebMD had an eye exam in the past twelve months. Top search terms for vision/optical information were for dry eye (39%, and weighted toward women seeking this answer), astigmatism (34%), myopia (29%) and floaters/flashes (24%).

People have a lot of curiosity about eyes, John observed — what does an eye color say about one’s health? How can I banish bags from my eyes? What causes eye pain? The questions are many and varied and curious.

No health conference is well-curated in 2019 without some discussion on the growing role of voice tech, and Dave Bovenschulte, VP Strategy with Klick Health, and Justine Santa Cruz, SVP with Satisfi Labs,  brought their deep knowledge to the topic. Their remarks informed our last panel session on turning data wealth into patient health.

Amy Heymans (Cueva), founder and leader of Mad*Pow (one of my own go-to health/tech designers) spoke on design for health care, patient engagement and behavior change; and John Ryan, General Manager of UnitedHealthcare Vision spoke of his organization’s strategic use of data in patient care programs for vision health.

Our end-of-day panel featured Dr. Whyte and me synthesizing the findings of the day on how health care and, especially, the vision/optical industry, can leverage data to benefit patient care and health. The elephant in the room all day, I felt and said, was privacy — or lack thereof. While Europeans in the room — remembering two of the major sponsors of the meeting were Essilor (based in France) and Luxxotica (based in Italy) — are covered by the GDPR for privacy of personal data, Americans are barely covered by a patchwork privacy quilt of HIPAA, GINA, COPPA (for children online), and other bits of policy. But the non-traditional data bytes (detailed in the Cracked Labs graphic above) that industry, and especially retail at large, are mashing up aren’t usually covered by HIPAA, unless they reside in HIPAA-covered entities’ information systems.

Our group-of-seven crowdsourced the importance of trust, transparency, and data stewardship to ensure that the patient-as-health-consumer and, ultimately citizen (in my own view) benefit from sharing data. Without these values and an ethical data framework, people won’t fully engage in health care…to the detriment of individual and public health.

Health Populi’s Hot Points: As experience and service become mantras in health care @ retail, it’s useful to call out a recent announcement from VSP, among the largest eyecare insurance providers.

You know about CVS buying Aetna late last year, bringing together the pharmacy-cum-healthcare services operation with a health insurance plan.

Now consider a vision/optical insurance plan entering the retailing side of the business. This is the news coming from VSP, one of the largest providers of vision insurance covering 88 million members, launching its retail optometry business cleverly named Eyeconic. 

In their online story, they tout the tagline, “Actual Experts. Actual Humans.”

Check out the lower right portion of the website snippet: “We’ve got an eye for each of yours…The Doctor Connection.” A key message of Eyeconic is their value proposition of connecting you, the patient-consumer, with a real-living doctor, not a chatbot, an app, or virtual human.

As I reflected on Eyeconic and what it means for the vision consumer, I told the group about Dr. Eric Topol’s latest book, Deep Medicine (reviewed here in Health Populi). The tag line of the book is how AI can help humanize health care.

The message here that Eyeconic has adopted meshes with Dr. Topol’s view that AI is key to helping humanize health care — but to complement and enhance the provider’s ability to spend quality time in partnership with patients.

The post Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem appeared first on HealthPopuli.com.

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem posted first on https://carilloncitydental.blogspot.com

[titheguerrero]

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem

The vision/optical industry is one piece of the health/care ecosystem, but the segment has not been as directly impacted by patients’ new consumer muscles until just about now.

It feels like the vision industry is at an inflection point at this moment, I intuited during yesterday’s convening of Decoding the Consumer: The new science of customer behavior, the theme of the 13th annual global leadership summit hosted by Vision Monday, a program of Jobson Medical Information which is part of the WebMD family.

I was grateful to have an opportunity to share my views with attendees on the vision patient as health consumer through the health economic lens.

Marc Ferrara, CEO Information Services with Jobson, introduced the meeting with some context. The topic, “decoding the consumer,” was chosen as that vision patient, now consumer, has growing control over their experience – as they seek services for vision care and shop for products (lenses, eyewear, and supplies).

This is impacting optical retailers, from the corporate giants to the still-large presence of Mom-and-Pop brick-and-mortar storefronts in shopping strips, mega-malls, and even practitioners’ homes in exurban and rural geographies.

There’s a new data continuum with a shift in the relationship between the deliverers of services and their buyers. That data powers new relationships and programs, Marc explained.

He shared this image from Cracked Labs which illustrates the many data sources beyond the legacy health care claim that stakeholders can access and, if used for good, can benefit patient care and health outcomes.

Marc then presented an intriguing, if disturbing (to me), bar chart of “the future value of your data.” Globally, that calculated to a value of $2.36 per average internet user per month in 2025, $3.18 for the European citizen, and a whopping $9.82 for Americans. There are reasons underneath this value-calculation I’ll address in another post: top-line for me is Americans’ lack of comprehensive data privacy protection and lack of opt-in to data collection in everyday life (addressed in the concluding Hot Points, below).

In addition to the “data is the new oil” mantra, Marc noted the growth of omnichannel in retail that has begun to re-shape the consumer-facing optical industry. Over one-half of 213 retail chains listed in Internet Retailers top 1000 offered “buy online, pick up in store” fulfillment in 2018. Walmart, in particular, had a huge uptick in this during the 2018 holiday shopping season.

Marge Axelrad of Jobson then set out the agenda for the day, asking one of the day’s big questions, “Can experience and data co-exist?” She said, “of course it can,” as the day’s content proved out.

”We’re a little bit value and a little bit luxury” these days, Marge observed.

“Data and tech can re-define new experiences,” she said. We’re relying on technology to help us learn about what best works for consumer experience. And that’s true for health care as well as generic retail, Marge asserted, introducing Deborah Weinswig who is CEO and Founder, Coresight Research. Deborah spends one-third of her time in China, these days, and gave us the benefit of her learnings from Asia and retail innovation.

Technology is re-shaping physical retail, from Tiffany and Nike to retail pharmacy. Tech integration in the store and via e-commerce is changing the customer experience — and experience is table stakes now to keep the consumer’s loyalty, which is increasingly fleeting.

Here, Deborah’s concept of “boundaryless retail” will be quite relevant for health/care stakeholders, as the consumer can and will seek health everywhere – at home, on the go at grocery stores and workplaces, in their cars…omnichannel beyond (but including) media platforms.

Frictionless retail is also an important paradigm for health care, an industry rife with friction. A huge friction point we identified in our data-for-healthcare-good panel wrapping up the day is surprise medical billing due to patients’ unwitting use of out-of-network physicians and providers. Blockchain is proving to be a sound, effective use-case for keeping provider directories and credentialing up-to-date.

And that will enhance patient/consumer health experience and loyalty.

AI underpins all retail experience now – which is something we’re hearing in healthcare whether at HIMSS, CES, SXSW, ePharma, and other conferences since the start of 2019.

My talk was next up, as I presented the evolving retail health/care ecosystem landscape and the growing role of the patient-as-payor.

Andy Karp of Jobson kicked off the afternoon’s content which focused on data and technology. When Andy spoke of us all being part of the “digital nation” as “digital citizens,” his remarks resonated with me. “We are all part of the digital nation….we pledge allegiance to the digital nation several times a day,” he waxed lyrically. “The only passport we need is a smartphone.”

That means we need a code of data ethics, and for that Andy cited Accenture’s report on Building Digital Trust with 12 principles for using data for good.

A panel on the promises of blockchain technology for health care brainstormed how to make data more transparent, more secure, and more accessible for everyone in the data sphere, with Jill Malandrino of NASDAQ parrying with Janine Grasso of IBM’s blockchain team, and AdventHealth’s CTO Roger Smith bringing his in-depth health system knowledge to the insights.

I believe that the health care industry can learn from IBM’s “journey of a mango from farm to retail,” as Janine described, using blockchain to trace a food chain from farm to fork. Her experience in the early days of blockchain-building across all industries is that 20% is the hard initial work, but 80% of the project is convening the network to agree governance and incentive structures.

IBM is building a Health Utility Network which includes Aetna and Anthem, among other partners, to use for credentialing, claims processing, and other services.

Dr. John Whyte, Chief Medical Officer with WebMD, spoke about how people use the internet for health care search. As a Board Certified Internist, Dr. Whyte speaks as both a front-line health care provider in Washington, DC, as well as through his lens on the inside of WebMD, still among the most-trusted healthcare information portals: one in four U.S. adults uses WebMD each month, and the site is #1 in reach for the top 50 diagnosed conditions, he noted.

It’s also the #1 health site for eye glass wearers 25-54 years old. Over 20 million info seekers on WebMD had an eye exam in the past twelve months. Top search terms for vision/optical information were for dry eye (39%, and weighted toward women seeking this answer), astigmatism (34%), myopia (29%) and floaters/flashes (24%).

People have a lot of curiosity about eyes, John observed — what does an eye color say about one’s health? How can I banish bags from my eyes? What causes eye pain? The questions are many and varied and curious.

No health conference is well-curated in 2019 without some discussion on the growing role of voice tech, and Dave Bovenschulte, VP Strategy with Klick Health, and Justine Santa Cruz, SVP with Satisfi Labs,  brought their deep knowledge to the topic. Their remarks informed our last panel session on turning data wealth into patient health.

Amy Heymans (Cueva), founder and leader of Mad*Pow (one of my own go-to health/tech designers) spoke on design for health care, patient engagement and behavior change; and John Ryan, General Manager of UnitedHealthcare Vision spoke of his organization’s strategic use of data in patient care programs for vision health.

Our end-of-day panel featured Dr. Whyte and me synthesizing the findings of the day on how health care and, especially, the vision/optical industry, can leverage data to benefit patient care and health. The elephant in the room all day, I felt and said, was privacy — or lack thereof. While Europeans in the room — remembering two of the major sponsors of the meeting were Essilor (based in France) and Luxxotica (based in Italy) — are covered by the GDPR for privacy of personal data, Americans are barely covered by a patchwork privacy quilt of HIPAA, GINA, COPPA (for children online), and other bits of policy. But the non-traditional data bytes (detailed in the Cracked Labs graphic above) that industry, and especially retail at large, are mashing up aren’t usually covered by HIPAA, unless they reside in HIPAA-covered entities’ information systems.

Our group-of-seven crowdsourced the importance of trust, transparency, and data stewardship to ensure that the patient-as-health-consumer and, ultimately citizen (in my own view) benefit from sharing data. Without these values and an ethical data framework, people won’t fully engage in health care…to the detriment of individual and public health.

Health Populi’s Hot Points: As experience and service become mantras in health care @ retail, it’s useful to call out a recent announcement from VSP, among the largest eyecare insurance providers.

You know about CVS buying Aetna late last year, bringing together the pharmacy-cum-healthcare services operation with a health insurance plan.

Now consider a vision/optical insurance plan entering the retailing side of the business. This is the news coming from VSP, one of the largest providers of vision insurance covering 88 million members, launching its retail optometry business cleverly named Eyeconic. 

In their online story, they tout the tagline, “Actual Experts. Actual Humans.”

Check out the lower right portion of the website snippet: “We’ve got an eye for each of yours…The Doctor Connection.” A key message of Eyeconic is their value proposition of connecting you, the patient-consumer, with a real-living doctor, not a chatbot, an app, or virtual human.

As I reflected on Eyeconic and what it means for the vision consumer, I told the group about Dr. Eric Topol’s latest book, Deep Medicine (reviewed here in Health Populi). The tag line of the book is how AI can help humanize health care.

The message here that Eyeconic has adopted meshes with Dr. Topol’s view that AI is key to helping humanize health care — but to complement and enhance the provider’s ability to spend quality time in partnership with patients.

The post Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem appeared first on HealthPopuli.com.

Article source:Health Populi

[dangerouscrusadefire-blog]

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In Arizona plus the car does have insurance but my name is not on the insurance so do i need to be on the insurance in order to get a driver's license?

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My husband lost his job and my and our child health insurance was with him. Can i get health insurance my employee even through its middle of the year will my husband loosing r insurance qualify us qualify event that allow you to enroll

Whats the cheapest car insurance in ME?

Mazda RX7 1986 23yo driver no lapse have a wet and reckless from california. Need cheapest Liability coverage

""How much does private health insurance cost in Johannesburg, South Africa for 1 healthy young person?""

My husband may be relocated to South Africa for about a year. My sister was going to come with us. My husband gets health insurance through his work for him and I and my two kids. My sister would have to get her own health insurance. I understand that you want private coverage over there b/c its considerably better. We are from the U.S. Does anybody know the average cost (just an estimate) of about how much it would cost her per month for private health care insurance over there for one person? We would be in the Johannesburg area. She is 26 yrs old, non smoker, physically fit, no health problems at all, etc. No maternity coverage needed either.just a basic just in case something happens plan. Shes had no prior surgeries or anything else like that and no pre existing conditions. She also does not take any medications. Any info on this would help a lot! Thanks.""

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""Can I drive someone esles car, I f I dont have car insurance?""

Hi everybody, I have a quick question. My friend sometimes gives me a car. His car is insured and registered. But I don't have a car and don't have a car insurance obviously. Another thing is that he was my roommate and my drivers license are registered for the same address as his dl. Right now I live in another place. I have heard that if your drivers licenses are registered for the same address it might be a problem. So my questions are: - Is that ok for me to drive his car? - And should I change my drivers licens address ? or this is not true about this rumor?""

How much will motorycycle insurance be for a 17 year old?

im getting a 487cc Suzuki gs500f, how much do you think insurance is going to be? also how can i lower the cost of insurance, will it lower when i turn 18? im taking the msf course and getting it under my family plan if possible thx""

Can i get a ticket for no insurance?

Can i borrow my moms car. I have a valid drivers license and her car is insured under her name i'm not on the policy. Can i get a ticket for no insurance if im not on her policy?

""Insurance- Cabin, not sure which insurance?""

We live ouside of Canada, but own property with a cabin on it. My dad and aunt own it. According to the insurance if one of the owners (ppl on the insurance) are not on the property (say, 500 miles away) if something happens (like someone falls breaks there leg) to someone we take there, we are not covered and could sue us. If my dad put me on the insurance would our aunt have the right to sell the property without us having any say? He thinks that if I am put on the insurance I will be on his half and my aunt will still have her half therefore giving her more power. Is there any way around this insurance and suing thing if I want to go up there with some friends without them?""

Insurance costs?

How much do you pay for your medical/life insurance each month? Mine is about RM200.

Is car insurance cheaper when changing from 20 to 21 in age?

Is car insurance cheaper when changing from 20 to 21 in age?

How do I get insurance help for pregnant women?

I was on vacation in Hongkong when i learned im 3 months pregnant, now im back in California and already in my 26th week. How do I get help applying for government programs (i dont have medical insurance) like AIM, since my husband's income is a little over for Medical.""

What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?

What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?

Why not lower heath care insurance than universal health care?

I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead.""

""How much do you think car insurance would be, ballpark range?""

I'm getting my first car in a few weeks, and we're going to *** it to my parents' insurance. They have a car and a van, and I wonder what the difference would be to add my volkswagon new beetle-to-be to their plan. My goal is to budget $400 to the car each month for payments and insurance. Do i have the right idea? (payment $150-200 hopefully) That'll leave me $400 give or take spending and saving. Thanks much.""

Help me find health insurance quick!! please!?

I dunno if I'm overreacting, but I've been researching esophigal cancer ( I was sick a lot a couple years ago, but I never thought it was long enough period of time, or frequent enough to cause any damage) and I would like to be checked out. It actually seems the more I read, the more i seem to feel like I'm having symptoms right now... I have been known to be a worrier... Could I worry myself to the point of feeling like my throat is burning? or that I'm burping a lot? (i'm probably swallowing lots of air right now ] and coughing (i've been known to gag and cough when I worry myself) I would like to go to the doctor asap, could someone please help me find an affordable health insurance plan. My zip is 16066, if that matters.. Thank you""

About car insurance what will happen?

okay so a few days ago i was driving my breaks dident stop in time it was very slow and i wasent going that fast at all my breaks dident stop in time and i left a very very lil scrab on a guys car and he said if i cant get 220 dollars by tomorow he will call my moms car insurance will that make the price higher?

How much will my insurance go up with 2 points on my record with allstate? im 21 yrs old.?

How much will my insurance go up with 2 points on my record with allstate? im 21 yrs old.?

What is the cheapest car insurance company?

What is the cheapest car insurance company?

Becoming an insurance agent in Texas?

How does one become an insurance agent in Texas?

Car insurance so cheap........?

21st century insurance (previously aig insurance) is giving me a basic coverage for 6 month car insr quote for 280 dollars. even i had 4 speeding in the past 5 years...still is the above low rate possible

Can my car insurance company do this?

I called my insurance company yesterday to get a quote for a change of vehicle as I was planning to buy a new car. They said my monthly premium would still stay the same and the quote was only valid till end of the day which is fair enough. They said they give the quote on whatever the insurance rate is at the current time so if i was to call another day it could go up but it shouldn't go up that much. So I went to view the car yesterday evening and decided to buy the car. I called my insurance company today and they said it would cost me an extra 350 to get me insured on the car. So i asked them how could it go from nothing to 350 within a day. They come out with the quote is based on the daily rate of insurance and they cant do nothing about it. I wouldn't have mind if it went up by 100 or so but from nothing to 350 in one day is a big jump. Is there anything I can do?

Health Insurance Advice?

I'm currently laid off and need insurance for myself. I'm not sure what insurance company to go with. Also I'm not familiar with how health ins works. Like deductibles, co-insurance percentages, office visits covered or not covered. I don't go to the dr a lot but recently I've been in a car accident and will be going to the dr more often. I also don't want to pay that much either.""

Do I need to add my unborn baby to my health insurance before I deliver?

I'm not due until May 19 but I read in a book that if you choose to add your unborn child to your health insurance, you can. But no one can tell me for sure if I need too. Open enrollment for my insurance isn't until September of next year, after my baby is born. What do I need to do?""

How do I get health and dental insurance?

I am getting married soon. I will be 18 and he will be 21. I have blue cross blue shield through my dad's work and the magnolia health plan(kinda like medicaid) bc I was adopted. ...show more

The world of car insurance?

the idea that dropping the price of car insurance for men a small amount and increasing the female amount a huge hike has nothing to do with gender that's the con it's the absolute greed of government and big business hand in hand raking in a fortune as they did when changing the  s p to the criminal decimal currency? the question is why do we Joe public put up with this crap

What does it mean Going of your parents car insurance? ?

I heard that you can register the car to my parents car insurance and it will be loads cheaper for myself, but its apparently fraud? What could happen? If I crash my car should I just leave it and run?""

Pregnancy health insurance plans

I recently had a miscarriage at 6 weeks and I am waiting to start my first cycle following the pregnancy. With that pregnancy I was using medicaid but I saw how hard it was to get an appointment since there were so many people. This time around my husband and I would like to start trying in about a month and we would like to get insurance. I am looking for insurance that covers pregnancy with a pretty low deductible. I would like it if the monthly payments were 200 or lower. Does anyone have insurance that they recomend?

""What is the definition of junk insurance and did all insurance companies, even Blue Cross, once offer them ?""

it is a good thing you did not get seriously ill because you would have lost everything and still be dying a miserable death. BTW, Insurance companies did not call their product junk insurance. It was easy takings from suckers though.""

Insurance for driving my bf car?

I am getting my driving license, how much roughly will cost the insurance to drive my boyfriend's car? It is an old petrol skoda... Thank you!""

private hire taxi insurance online quote

private hire taxi insurance online quote

https://www.linkedin.com/pulse/renters-insurance-quote-comparison-christopher-lawman/"

[captain-spookycandycollecti-blog]

Which is cheaper- homeowner insurance or landlord insurance?

"Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 

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What's the cheapest car insurance company you have found??

I just bought a new car--now comes full coverage & plates. It's a 2003 Mazda w/ 18,000 miles. Does the year or the mileage make insurance or plates higher? Do they request tickets for the last 3 or 5 years? You have to have full coverage when making payments right? I'm thinking Geico is the cheapest I've found so far?""

Health insurance for visitor from india?

Where can I get health insurance for a parent who is undergoing dialysis in India and wants to Visit the USA for a short term. Of course they will need to continue there treatments here while visiting. But we need some kind of assistance while they are here.

How much would car insurance for a 17 year old driver?

for a used hatch back that costs around 500

Tax and Insurance question for a Young Person?

Okay , Im 14 years old , and I cannot wait to start my real career (After some years of college) as a Video game producer (or) programmer. My mom says that what ever pay check I get from a job or career , the tax will take money from it. I've calculated my monthly payment from being a Video Game Producer , Which is $5208 a month. How much will money would I Really get after taxes are taken care of and if I have car and health insurance? Is there any other thing I need to know as well?""

Cheap auto insurance?? PLEASE? :(?

My friend she needs car insurance or her car will get repossessed. She's 19 and has only had her license for a year and is being financed a vehicle($200 monthly payments-in 2yrs it'll be payed off). She doesn't have a steady job yet but she's starting college at hcc this fall. She's living with her mom right now. The downfall is that she's already gotten a speeding ticket and hasn't had insurance for 6 or 7months. She needs a non-'name-brand' auto insurance. The cheapest offer so far was $406 a month and she can't afford that. By the way..this is in florida. Can you please inform me of a cheap car insurance place? It doesn't have to be any good..just cheap...thankyou..

I want a baby but don't have insurance?

My husband and I just got a new apartment and then got married courthouse style. We have both decided that we want a baby soon but right now we don't have insurance. Is there any cheap option that would cover the entire pregnancy?

Alamo insurance coverage?

i am going to renting a car through Alamo and i only have liability coverage through my insurance plan,how much will it cost for 10 days of coverage? what are my options?""

I need an eye exam but i dont have insurance.?

Do most eyecare centers accept patients without insurance? Where can I go that is affordable?

Does auto insurance cost more in Las Vegas than los Angeles?

Does auto insurance cost more in Las Vegas than los Angeles?

""In CA, would my mom's car insurance cover my car?""

I live with my mom in California and we both have cars. I just bought mine recently under both mine and my mother's name but do no have it insured. My mom does have insurance though. I got in a little fender bender a couple days ago but when the report got filed, I got a citation for not having my own car insured. What I mean to ask here is, if my mom has car insurance and my car is under her name as well, would her insurance cover me, therefore leaving the citation void?""

""Monthly Insurance for a 16 year old, if he were to get a G37 Coupe? IS250? IS250c? TL 2010?""

How much would it cost? an estimate? I heard grades, colors of the car, and other things like that affect the insurance cost? Well if it does, he gets 4.0 and he wants a Black. We live in CA. And our insurance company is Farmers, but I would just want a monthly insurance cost. thank you!""

Why do people buy insurance?

is it for saving or protection of life? What are the reasons that motivate people to buy insurance?

Cheapest option I want to transfer my insurance from my old car which I prt exchanged for a newer car I just?

I want to transfer my insurance from my old car which I part exchanged for a newer car I just bought,but my Insurance company are asking me to pay about 40% more and requesting 40% ...show more""

Traffic Citation for no car insurance What should i do?

Hello I have a question concerning a Traffic citation that i got 13 days ago. On the 21st of November i got pulled over for a blinker that was out on my car. I had bought this car from a friend 3 months ago and hadnt didnt redgister it into my name or have current tags. I had insurance for the first month that i had the car but then due to finacial problems couldnt afford the extra 220 a month for car insurance. So the State Trooper gave me a citition which written under the description only said no proof of insurance. So the a couple of days later i went and got insurance, redgistration, tags, license plates the whole nine yards and i went into the trooper station to clear the citation cause it is correctable but the lady tells me i have to show proof of insurance from the day of getting the citiation. so my only opition is either take this to court or pay a whooping 540$ and 6 points off my Driver's license i was wondering if i should take this to court?""

Typically whats the cheapest insurance company?

my rates are pritty high.. im thinkin about changin

Car insurance for 19 year old?

I currently drive a 2005 Mazda6 (4cyl, 140 hp sedan) and I am under my dads policy. I want to buy a 2008-09 VW GTI which is a 4cyl 200 hp turbo hatch, I want a 2 door, but will opt for the 5 door if it saves a good amount of money. How much more should I expect to pay for insurance with the GTI if on my dad's policy? Will it be cheaper to get my own? Also would waiting until I am 20 to buy the car save more money? I have never had a speeding ticket, I had one minor accident when I was 17, I have had a traffic violation last year, but I wasn't even the driver of the vehicle for the offense, also no points were added to my license for this as I did a traffic course and paid a fine instead. (florida)""

As of next year will all cars older than 7 years have their tax and insurance costs doubled?

A friend of mine told me today that as of next year all cars over seven years old will incur a sharp rise in their tax and insurance costs. he said that they would double. I understand this may happen with tax but it doesnt ring true for insurance. could anybody tell me if he is right or whether he has his wires crossed.

IF YOU GET PULLED OVER WITHOUT CAR INSURANCE?

IF YOU GET PULLED OVER AND YOU Have no insUraNce on your car how much is tHE fine???

Do you have to add your child to insurance if get a drivers license?

My kid just got his drivers license but cannot drive and wont be able to for 6 more months is it still required that I add him to the insurance right now or can i just add him to the insurance when he is able to drive?If i do not, does that mean that he will have to turn in his license or have it revoked?""

Ford escort van insurance for a 17 year old?

Hi, thinking about getting a 1.8 ford escort van when i pass any ideas on how much the insurance will be i'm 17 so i won't be surprised if it's a lot. Thanks""

Estimate for car insurance for 18 year old?

I live in Houston tx, like the top said I am a 18 year old male, I have a 2012 ford mustang v6. It is paid off, and I want to sign over the car from my parents name to mine cause they live in a diffrent city but that means I would have to start paying for insurance. Which is fine but do any of y'all know about how much I would be paying. I will only want liability, or if I can afford it full coverage. I don't want to get quotes from the insurance companies themselves because after that they constantly email call and mail you stuff and its annoying. Anyways thanks for the help""

CA Auto Insurance Broker Fee?

What is the average rate a Broker Charges when you sign up to insurance through them in the State of California?

Best insurance company for small startup security training agency and consulting firm?

Starting up in the DC, MD, VA area and looking for an affordable insurance company for a small business training agency. I eventually want to expand into security consulting, but for the time being, it'll be primarily security training. Policy in my area has to be minimum 600k of general liability. Any recommendations?""

""Insurance for 6 months, changes mid policy?""

I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""

How can i get insurance for myself like not for a car?

my friend said he has insurance for himself so he can drive any car and be insured he doesn't have it for a specific car how can i get this

Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

Family health insurance that is affordable?

Does anyone know of any family health insurance that is affordable.. my husbands gets laid of in the winter and we need to be able to afford it ..

How do you switch from motability to owning a car with the UK's new car insurance policies?

Ok we've got a small problem. At present we get a car from motability, but we want to switch to owning our own car, but we have a major problem with this new all cars must be insured at all times or declared SORN scheme. The problem we have is that our motability car goes back in October. We're in a rural location so we need a car ready for when the switch over happens. At present with the motability insurance their insurance only insures one vehicle, the motability one, and can't have additional vehicles added to it. We've got a few quotes from insurance companies who have told us that when the motability lease expires they will give us the no claim discount based on the motabiity insurance, but they wont give us that discount until the motability car goes back. So what we want to do is get the new car before October, put it on the drive, check everything is ok with it, and then insure it when we start using it on the road when the motability vehicle goes back. Only problem is with this new law we can't do that without declaring the vehicle SORN. Some of the vehicles we've seen come with a few months road tax, so we don't really want to lose that by declaring it SORN, just for a few weeks (or is the tax disc still valid when you remove the SORN on the car?), we also don't want to insure the vehicle before the motability vehicle goes back as we wont get any NCB from the new insurer and that will cost us about an extra 500 in insurance (our current insurance price is about 500-600 but with 0 years no claims it goes up to around 1,000-1,100 - we have 3 years no claims with motability and I've held my driving licence for 6 years). I've read that you don't need this compulsory insurance if the vehicle is in trade, or between registered owners. That is one option, but how long after you buy a vehicle can you keep it in that status, would we be able to keep it like that for a few weeks or is it pretty much instant when we get the car. Obviously I realise I would need some kind of temporary one day insurance to drive the vehicle home after purchase.""

Driving from california to texas?do i really need insurance and a license?

im moving from california to rowlette,texas in two weeks but the problem is im going to drive out there its going to be me and my bf the thing is the car is under my name & i have the tags & papers but i don't have insurance & my license.Is this a big deal can i still drive out there as long as i drive carefully well im not driving its my bf his better at driving & he has his permit but im 18 & they say he can drive with a person 18 and older.what can i do i already called the insurance company & the lady said its not worth getting insurance if its only for a few weeks cuz when i get to texas i have to get new insurance.What can i do what do you guys recommened i do...i think that i can get out there without the legal stuff like insurance & a license..my sister drove all the way to arizona with no license & she didnt get caught cuz she drove carefully...""

Could a 17 year old insure a Porsche 944? (For a reasonable price)?

I've been looking into classic cars and The Porsche 944 has kept cropping up on sites, and looks quite nice. My fear is as I will be turning 17 soon and I live in Worcestershire (UK) I have no hope of insuring it... Am I right? People have suggested Classic Car Insurance on 944's and 928's but didn't they fix that loophole? As I would be spending a fair bit of money on the car I don't want to pay loads of insurance, I would love to know ideas of insurance costs and general feedback about the car, I know it would cost a fortune to run by the way. All Help Appreciated""

Where can I get affordable health insurance?

I'm a student and I work, but work does not offer it.""

Young drivers car insurance!!?

I am 17 at the moment but planning on getting the insurance when i turned 18 at the end of this month to make it that bit cheaper, I already own a Renault Clio (1.2L, 16v, 02 plate). The cheapest quote ive got is 4,000 (300 a month) and that's with co-ops new fit smartbox for young drivers, and i also have my dad as an additional driver and my mum on it with her provisional licence and I really just cant afford that price, any ideas on what i could possibly do?""

Can you pay for Car Insurance in monthly instalments by direct debit using someone else's card?

I want to take out car insurance in my name but I do not have a debit card, can I use my mother's account to pay in monthly installments? All the insurance companies I have tried so far will only take a payment for the full amount and will not spread the payments by direct debit if the card is not in my name. Can anyone please help as I only have a post office account and am unemployed receiving benefits so cannot afford to pay the lump sum and have been turned down for a bank account as I have a poor credit rating.""

How much should a 17 year old's car insurance cost in the UK?

i'm 17 and want to drive. i'm a full time college student, which probably doesn't make any difference? right now i'm looking at a 2001 VAUXHALL CORSA 1.6 engine, LS 5dr [AC] Hatchback, which is costing around 999 how much should i expect the insurance to cost for this car? or for a car similar? it will be my first car. Thanks.""

What is average car insurance for 19 year old boy and girl?

Well, I am taking my test soon (hopefully I will pass) and I am 19 --- and I heard that car insurance is worth a lot for youngsters that they can buy a BMW second hand with same amount money that they pay for 3 years. so, how much do 19 year old boys pay monthly for it and how much do girls pay ( heard it is a lot cheaper for girls). -- my younger sister will turn 19 in 2 years time till then if she passes her test -- how much will she pay when she gets licence---- what would be your solution -- if I want to get cheaper option (I heard of pass plus scheme - would it work)""

What is the cheapest car insurance?

28 yr old. Just need a car that runs for two years. I want to insure it the bare minimum for the cheapest price. What car is the cheapest to insure? Lets say I bought a 95 civic dx, what company is the cheapest to get insurance from? anecdotal experience is fine. Thanks""

Anyone know of an insurance company in Alabama that covers Suboxone?

Ive been checking around and BCBS said that I wouold have to wait till after a year of coverage untill they would cover that drug for some reason, also would it be considered a pre-existing condition if I was prescribed the drug before I obtained coverage?""

Questions bout unemployment insurance in California?

If I get layoff, i was making $2500 before taxes per month for 40 hours a week, how much would I get from the unemployment insurance?""

""Where can I get insurance, I want to play a sport but I don't have insurance ?

So im thinking about joining sports in school but I don't have insurance and does state farm sell that kind of insurance or any other insurance company

What are some good low cost learner legal bike with cheap insurance?

i'm 17 and i'm looking to purchase my first motorbike so i was wondering if you could give me some bike for less than about 2000 with cheap insurance?, but no rubbish Chinese bike because they fall apart""

Finding out cost of a car insurance claim - do i have to include this?

Im looking for insurance for a new car. My bf had an accident in our last car and i was wondering if there is a way you can find out how much we claimed in total? As alot of insurance companies want to know this.

Is it harder for a child who is disabled to get insurance?

Is it harder for a child who is disabled to get insurance?

Will calling insurance over a cracked windshield raise my insurance rates?

I have Geico insurance for the past 8 years. I have not made one claim in that 8 year time frame. I was driving down the highway last week when something struck my windshield and spider cracked it pretty good. Should I pay it out of my pocket or call the insurance. Will my rates go up for making a windshield claim?

What type of Life Insurance would be best for me?

I am a 27 year old single male. I own a house that has a mortgage, and I have some outstanding debt, car, student loans, etc. I plan to be married within the next 3-4 years. I want to make sure that if something should happen to me my family, future wife and parents, are not stuck with my bills and able to continue on without a huge finacial hardship. I know there are different types of life insurance, but not sure how the different ones work. Any help would be greatly appreciated.""

What will my insurance company do about my car?

Last night we had server thunderstorms. There was golf-ball sized hail for about five minutes. I was parked on top of the garage. My windows are fine, but there are dents all over my car and my right side-view mirror is broken. My car is still in my mother's name, and the insurance company is State Farm. My parents are on a cruise right now and are supposed to be getting back tomorrow. I also go to UT and out-of-state school. I've heard other people on campus are getting new cars from their companies and others are just getting windows replaced. I haven't talked to anyone yet since the car is not in my name. My car is a 2001 chevy caviler. I don't know any of the details of the insurance policy.""

Citroen Saxo Insurance?

Hello, im a 17 year old currently learning to drive, once i have a Full UK driving license,think i would be able to get insured on a citreon saxo? As far as i know there are a few types of saxo's, the 1.1, the 1.4 furio, and the vtr 1.6 i think! Many people have told be they are classed as a boy racer car so the insurance will be high but surely if i buy a standard 1.1 or 1.4 saxo i will be able to get insured. What do you guys think? What saxo best for first car? Any other first cars recommened? How much round about do you think it will be to insure? Thanks""

Primerica vs mass mutual life insurance?

Primerica vs mass mutual life insurance?

Why don't Gay men get the same car insurance rates as women?

Why don't Gay men get the same car insurance rates as women?

Speeding tickets and Insurance rates (read details)?

I received one speeding ticket back in February 2010, I took a driving class for it so I would not receive points on my license and consequently my insurance provider would not be able to raise my rate. However, I've received two speeding tickets in the past week (both only 9 miles over the speed limit) :'( which would result in 6 points on my license. I live in Florida, and I have State Farm insurance. Does anyone have any idea at all what will/could happen to my insurance? :(""

Can you register a vehicle and get liability insurance in Texas without a driver's license?

In the near future I'll be moving back to Texas, I'm currently out of the country and I'm a 20 year old US citizen. Anyway, I don't know if this makes sense but is it possible to buy, register a vehicle and get liability insurance in Texas without a driver's license? According to dmv.com to get a first time driver's license in Texas you need the following: -Provide proof of identity. -Provide proof of Social Security number. -Provide proof of Texas vehicle registration and liability insurance, if you own a vehicle. -Complete required application forms available at any Texas driver license office. -Pay the required fee. -Pass the written, driving, and vision examinations. The applicant must provide the vehicle for the driving test. -Your application must include a photograph and thumbprint. The main reason I ask this is because it says that I need to provide a vehicle for the test with insurance obviously, so does this mean that I can buy, register, and insure my vehicle before I take the driving test to get my driver's license? I do have an out of country driver's license, but I don't know if that will work. I have been driving since I was 15, but now I need my Texas driver's license. I still don't know anyone who could lend me their car for the test. Any suggestions??? Thanks.""

Why are my car insurance quotes changing?

I shopped for car insurance yesterday. Today I could not remember if I I forgot a company, so I did them all again because I was bored, all of my quotes went up with some, went down with others. I double checked and I didn't change any info. So I did 3 companies within 10 minutes of each other, and they changed again! I think they pull quotes out of a hat.""

Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

Do I really need health insurance?

I am 22 and I live with my wife. She just got out of military. We had Tricare insurance for 4 years active but we never had to use it once. So is it worth it to start paying 200 a month for civilian insurance (Tricare Reserve Select)?

Is the car insurance free for me?

Ok, my family has State Farm and my mom and dad are on the insurance. If they list me as part-time, will they have to pay extra for me (I have a clear driving record.)? I tried to ask the agent this question,but I guess he didn't understand what I was trying to say. He said anyone that my parents give permission to can drive the car and they'll cover if there's an accident. So, does that mean the name has to APPEAR on the insurance if I'm part time?""

Is there any user friendly and cheap motorcycles out there?

Hi, I'm 17 years old and looking to get a motorcycle. I have good grades and will only drive a motorcycle when the conditions are right. Like weather, cars on the road Sat. Sun. which has less cars, and going to school and to work. I don't care if I die and I'm not afraid to die. I have $7,000 saved up in the bank and would like to buy a Ninja 250 for $3,500 -2008. Plus $400 for gear and classes. I will get my driver's license this December and will take the MSD courses in spring of 2010. I can't find any used or cheap ninja 250's around my area and I think I would rather go stright to the dealer rather then the seller because of too much red tape and work. I think my insurance will be cheaper because I will ride only to school and work and I have good grades. Even though I am young. SO, is there any place I can find any user friendly bikes or cheap ninja 250's?""

Is there short term car insurance?

I am going on a trip, and i am going to borrow a car from someone, and they don't have insurance on it..I wanted to know if i could get temporary insurance on it..""

Why is a car insurance trying to settle a car accident claim fast?

I was in a car accident. The other driver did a squat and stop scam. (the driver speeds out quickly in front of another driver so he/she wont have enough time to stop and then sit there so the other driver can hit him/her) However, the other driver's car insurance trying to settle quick. The driver's car insurance company did their investigation and came to an conclusion that I was at fault.. (yeah right) The accident happen on 4/20/11 and they trying to settle on 4/28/11. (eight days later) When I mentioned that my attorney was handling the case. All of a sudden the company sending me letters claiming it my fault and I have to pay for my own damages. And, that I have so many years to take the claim to court. (hoping that I want) I just fax everything over to my attorney. I am still going through therapy. I do have car insurance. So, why is the driver's car insurance company trying to settle the claim quick when they was actually at fault? Please, only knowledgeable people reply. Thank you so much Note: The driver's girlfriend was told to fake she was injury because she is pregnant. Also, the driver came out the wrong exit of the driveway speeding..""

""My Dad has cancer, and my parents can not afford life insurance for him. Can I get it to help out when the time comes?""

My Dad has cancer, and my parents can not afford life insurance for him. Can I get it to help out when the time comes?""

I need help finding a good cheap sporty used car with low insurance rates.?

Well I turn 16 in december, I've had my permit for about two months and my family is at total loss of cars. My sister and her car are going to College, and my mom is using the Sienna. So my dads been riding his motorcycle to work. However, he wont be able to do so because he has a 30 mile commute to work. So he needs a car before the rain rolls in, so when he gets a car it'll be his, until I get my license, then it becomes ours. However, all my ideas are getting shot down, but as we get closer to needing one, slowly he's getting more okay with my ideas, but I need your help. I want an Rx8, I've wanted one since I was in 4th grade. I know I know. What the hell, why? A rotary engine with not even 2 litres. barely any horsepower and only gets 16/26 mpg. Well I've driven an Rx8 and I think they're amazing. HOWEVER, my dad doesnt want one for one reason, and one reason only. High insurance. So I was wondering if you can help me find a sporty used car, that I could find pretty cheap. For some Ideas I like, Bmw 330ci's, 328i's, rx8's, G37 coupes. OH YEAH, that reminds me, I'd like a coupe, but a 4 door would work well too if it still maintains a sleek style. like a lexus IS250s. Manual transmission or automatic is fine. decent mileage. you know the drill, OH and it must be atleast 4 seater. Thank you, its greatly appreciated.""

Looking for health Insurance?

I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?!

Insurance Company sent me 2 checks?

So I recently got rear ended and the other party was at fault. I went to the appraiser that the all state agent had directed me to and had my car appraised. When I got my car appraised the appraiser wrote me a check then and there for the damages . Today I got a phone call from the insurance agent asking if my mailing address was correct and that they were going to mail me out a check for the damages that their appraiser had estimated. She never asked me once if I had already received a check for the damages.The appraiser made some kind of contact with allstate but I guess he never stated that he already had written me a check. Is it a crime if I cash both checks?

Insurance website says differnt car?

Ive been looking at cars on eBay and looking how much insurance would be for them and I found one car, but when I put the number plate in the insurance website it says that the car is a different make all together. Is this just a glitch in the system or something illegal and I should stear clear of?""

Does anyone know what the average car insurance is for a 2003 g35 coupe iam 18?

i also live in maryland

Is it true because of government changes my car insurance bill should be lower?

some lady @ work told me 0bama passed some kind of bill so i should change my insurance so it can be lower...its currently @ $400 a month i cant afford this anymore PLEASE HELP

Is renter's insurance required for tenants in california?

Is renter's insurance required for tenants in california?

Health insurance question?

Is there any way I can get health insurance? I have no money and no job. I recently had to quit my recent job due to moving. I'm 19 years old and have a disc herniation that I'm trying to get checked out. Parents don't have money and will not take me not their fault, healthcare as I know is expensive. Ill have a job by the end of November is there anyway I could somehow get insurance through a loan or something similar? Probably a dumb question but it don't hurt to ask.""

What is the best dental insurance in Florida?

I'm gearing up for braces, I need some filling and extractions first so I'm looking for a good dental plan. I need 5 fillings and two extractions. To be frank, I'm a little confused on which one to choose. I'm self employed so I don't belong to any insurance plan as of right now. I'm looking for whats going to be the cheapest for just what I need done (listed above) and nothing more. btw I live in Tampa. Thanks in advance for any suggestions!""

What is the cheapest car insurance for me on my own plan???

i have a 2005 dodge stratus coupe 5 sp. sxt. almost 19 yrs old. i have a failure to yield ticket in feb. of 07. i live in Porter County, IN what is the best insurance for me???""

HOw much does PIP insurance cost in miami florida?

does anyone know how much would PIP insurance cost for a 18 year old female driving a white 2002 SATURN SL2 in miami florida

Please explain Voluntary Excess on car insurance?

Im looking at car insurance, If i set my 'Voluntary Excess' to lets say 500, My insurance is cheaper :D BUT... If i have a crash BUT DO NOT want to get my car fixed by MY insurance, Will i still have to pay this 500 'Voluntary Excess' ?? The car i want is about <1000 If i crash it, I WONT want it to be fixed by the insurance, Its not worth it really, Its half the price of the car. So do i have to pay this voluntary excess if i dont claim ? Or do i still have to pay it to fix the 3rd party's car ?""

Do you need to have car insurance to rent a car?

I used to live in Ohio. Now i live in Florida. I'm trying to plan a trip up to Ohio to see my friends next week. I sold my car here in Florida because i really didn't need it anymore. So of course my car insurance was cancelled after that. Will they let me rent a car without insurance? I know you can buy the rental company's insurance which i will do of course. Thank you in advance.

Really Angry ! where can i get cheap van insurance im 18 ?

i been on go compare the cheapest i got was 4600 thats on a 1.9 litre van i think its stupid how can i make a living paying that kind of money out i need my van for work plus its not like its really powerfull its a sh!tty van i wolud not mine if it with a 1.9 sports car buts its a van it sholud be cheaper on vans im 18 do u know where i can get cheaper van insurance plus i got quoted 2600 on a 1.1 car

Renters insurance cant get homeonwers?

im about to payoff my mobile home and own it but i cant get homeonwers insurance since i own my mobile home could i just get renters insurance and protect my belogings inside my trailer. keep in mind in paying a month lot rent fee for my trailer to sit on someone elses property.

Does anyone have any personal experience with Transamerica Life Insurance? Positive or Negative?

Life Insurance Companies

How much is mobile home insurance in South Florida?

Looking to buy a vacation home in West Palm Beach. Does anyone out there who actually lives in a mobile home in South Florida tell me how much to expect? The park is on the Intercoastal, I was going to buy for cash but now the douche bag owner raised the price so now I am going to look else where and may have to finance some of the purchase price and I am assuming that I will have to insure it. I am expecting the worse. Please only answer if you really know a number.""

Car insurance changes depending where you live?

My sister has had a car for awhile now that was given to her by a family member, and she had her insurance and all set up and she was fine. We moved pretty much across the street but when you cross this street you live in a different town, the borders are in the middle of the road. So she called to change her address and they charged her 30 some odd dollars cause apparently the costs of living in this down is higher on your car insurance, so can anyone please explain to me why this is? Why would moving from one town to another, [across a road] take any effect on car insurance?""

How much would my insurance be?

I am 15, i took driver's training when i was 14. and I just got my license. i was wondering how much it would be to insure a ford focus. I get good grades, about a 3.5 gpa so i dont know if that will help lower my insurance.""

Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

Affordable Health Insurance for a single adult in Minnesota? I need help/advice!!!!?

I just moved to Minnesota and need health insurance but don't even know where to start. I know I dont qualify for Minnesota Care because I make too much. I can't get health insurance through my new job yet because I just started and will qualify for that in 6 months but I need medical help now. Any advice on what I should do?

Car insurance ( diabetes )?

after i get a quote online when i proceed to pay will the insurers phone me or will i after phone them as i have a 3 year medical licence and i need to let them know off my medical condition ( diabetes insulin dependant ) first time getting insurance so any info would be great

Insurance on a 2010 Scion Tc?!?

Is there any way to estimate this?? What would be more for Insurance? A Scion TC or a Toyota Camry? I have never been in an accident before and It would be under my fathers name anyway, who has no accidents or violations""

In the state of Florida do I need to have insurance before I can get my license?

I am 19, I've had my permit for 3 years now, and I would like to know if I need insurance in order to get my license and if I need to take the road signs, and rules test again?""

Should i get life insurance or not?

i know the end is near for me and i think it would be good for me to get life insurance ive destroyed myself and my own life i think it would be appropriate for me to get life insurance so the funeral could at least be covered thanks 10 points

Car Insurance Premium?

* PLEASE ANSWER ONLY IF YOU ARE SURE, THANKS* My totaled car is now in my insurance company's possession, so shouldn't I be paying a lower monthly premium if I am driving a rental minivan? I know that with owning a Honda, my rate was pricier because its a commonly stolen car. But I am driving a rental now and feel that I shouldn't be paying the same monthly premium of $226, as I was on my Honda if it isn't even in my possession. Does this sound right?""

How much is a doctor visit without insurance?

My friend hasn't been feeling well for a few days now and needs to see a doctor. Does anyone know how much a doctor visit would be if she went to a walk in clinic? She doesn't have any insurance. By the way we live in Miami, Fl.""

Do I need insurance to drive my father's car?

recently i have passed my driving test and my father have a comprehensive car insurances!!! i can't effort to buy a car or car insurance? do you think is legal to drive it? thanks

What is the best(cheapest) orthodontic insurance?

What is the best(cheapest) orthodontic insurance?

Question to Young Drivers about Insurance.?

Hi, i am 20 and just passed my test and now i need a car and insurance, i was wondering if you young drivers have gotten any 'cheapish' car insurance recently and what car, thanks. Cheapest i've found is a Renault Clio, Peguot 107 and a Fiat Punto.""

Average Cost of Homeowner's Insurance for a home..?

that is appraised at 169,000 and bought for 166,000?""

Question on insurance and license suspension.?

i bought a car and started financing. i got car insurance, but the next day i found a way cheaper one. so i called to cancel the old one, and put a downpayment on the new one. for some reason my other one wasnt cancled, and i have duplicate insurance. i just recieved an email from the expsensive insurance saying if i dont make a payment my license will be suspended. but this cant really happen right? if im making payments on my other full coverage insurance that i want to keep, i still have current insurance.""

How much is car insurance for a 16 year old?

Hello. I am a male and I will drive a 08 mustang. none of my parents have caused an accident.

How much does the average person pay yearly for car insurance?

I'm considering buying a 2007 Nissan Sentra or Toyota Corolla. It may be new or certified pre owned.

Car insurance question?

I only renewed my car insurance 5 month back and paying a load for it. I just found I can save 30 a month. on the whole I would save even after another initial payment. Would it be a good thing to swap insurance companinies for this and can I swap.

Insurance question please?

hi i am a learner and but my partner has a car that is insured on his friends name. my question is my partner states he cannot teach me how to drive or put my name under the insurance because it would cost more and he might get into trouble with the police . i just want to know if this is true and if so like how much would it cost.

Do you need to buy the car before getting insurance for it?

I am looking for my first (used) car from a private seller, and I would like to be able to drive it home, so will I have to buy insurance for it before I buy it? And will I have to own the deed before I get the insurance?""

What is the best web site for comparing car insurance rates?

What is the best web site for comparing car insurance rates?

How much car insurance should I buy?

So I'm online looking at insurance quotes and they all ask how much coverage I would like, I'm really not sure. What is the normal amount that people usually get? what is the normal deductable?""

How does a foreigner to the uk get car insurance?

My husband is NOT a uk resident but i am. He is living here in the uk and currently applying to be a uk resident. We are struggling to find car insurance for my husband as main companies like churchills say he has to be a U.K resident. It could take us quite a few years before he becomes a uk resident. Surely business people or visitors to the uk get car insurance or do they all only use car hire? Any advice greatly appreciated.

Driving with no insurance in Florida...?

I have a question about driving without insurance in the state of Florida. I am a 20 year old college student that cannot afford $483.00 a month in car insurance. If I cancel my insurance and drive without insurance and get in an accident that is the other persons fault, what is the worst that could happen to me? Can they sue me for all I have? If so, what if I have nothing besides the car that is on a loan for $17,000. -If they don't rip us off with the gas prices, they'll be certain to get us with the insurance.""

How soon until my fiances Insurance covers me getting married next week URGENT?

I just got diagnosed with Breast cancer and I don't have insurance my fianc has great insurance though his work and we are getting married next weekend. He has group insurance will it cover me and how soon.. Pre existing condition?

Does anyone offer classic insurance coverage for young drivers?

My son is 17 and soon to be 18. He has a modified restored vehicle and I have not found anyone that will provide insurance due to his age.

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

I don't have car insurance on my car?

I don't pay insurance on my car. My girlfriends has insurance on her car. Is it legal for her to drive my car? or does my car have to be insured by insurance for her to drive too (i.e. because she has insurance on her car, I can drive her car legally.)""

Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

https://www.linkedin.com/pulse/how-much-do-you-pay-your-car-insurance-10pts-self-maus"

[realselfblog]

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem

The vision/optical industry is one piece of the health/care ecosystem, but the segment has not been as directly impacted by patients’ new consumer muscles until just about now.

It feels like the vision industry is at an inflection point at this moment, I intuited during yesterday’s convening of Decoding the Consumer: The new science of customer behavior, the theme of the 13th annual global leadership summit hosted by Vision Monday, a program of Jobson Medical Information which is part of the WebMD family.

I was grateful to have an opportunity to share my views with attendees on the vision patient as health consumer through the health economic lens.

Marc Ferrara, CEO Information Services with Jobson, introduced the meeting with some context. The topic, “decoding the consumer,” was chosen as that vision patient, now consumer, has growing control over their experience – as they seek services for vision care and shop for products (lenses, eyewear, and supplies).

This is impacting optical retailers, from the corporate giants to the still-large presence of Mom-and-Pop brick-and-mortar storefronts in shopping strips, mega-malls, and even practitioners’ homes in exurban and rural geographies.

There’s a new data continuum with a shift in the relationship between the deliverers of services and their buyers. That data powers new relationships and programs, Marc explained.

He shared this image from Cracked Labs which illustrates the many data sources beyond the legacy health care claim that stakeholders can access and, if used for good, can benefit patient care and health outcomes.

Marc then presented an intriguing, if disturbing (to me), bar chart of “the future value of your data.” Globally, that calculated to a value of $2.36 per average internet user per month in 2025, $3.18 for the European citizen, and a whopping $9.82 for Americans. There are reasons underneath this value-calculation I’ll address in another post: top-line for me is Americans’ lack of comprehensive data privacy protection and lack of opt-in to data collection in everyday life (addressed in the concluding Hot Points, below).

In addition to the “data is the new oil” mantra, Marc noted the growth of omnichannel in retail that has begun to re-shape the consumer-facing optical industry. Over one-half of 213 retail chains listed in Internet Retailers top 1000 offered “buy online, pick up in store” fulfillment in 2018. Walmart, in particular, had a huge uptick in this during the 2018 holiday shopping season.

Marge Axelrad of Jobson then set out the agenda for the day, asking one of the day’s big questions, “Can experience and data co-exist?” She said, “of course it can,” as the day’s content proved out.

”We’re a little bit value and a little bit luxury” these days, Marge observed.

“Data and tech can re-define new experiences,” she said. We’re relying on technology to help us learn about what best works for consumer experience. And that’s true for health care as well as generic retail, Marge asserted, introducing Deborah Weinswig who is CEO and Founder, Coresight Research. Deborah spends one-third of her time in China, these days, and gave us the benefit of her learnings from Asia and retail innovation.

Technology is re-shaping physical retail, from Tiffany and Nike to retail pharmacy. Tech integration in the store and via e-commerce is changing the customer experience — and experience is table stakes now to keep the consumer’s loyalty, which is increasingly fleeting.

Here, Deborah’s concept of “boundaryless retail” will be quite relevant for health/care stakeholders, as the consumer can and will seek health everywhere – at home, on the go at grocery stores and workplaces, in their cars…omnichannel beyond (but including) media platforms.

Frictionless retail is also an important paradigm for health care, an industry rife with friction. A huge friction point we identified in our data-for-healthcare-good panel wrapping up the day is surprise medical billing due to patients’ unwitting use of out-of-network physicians and providers. Blockchain is proving to be a sound, effective use-case for keeping provider directories and credentialing up-to-date.

And that will enhance patient/consumer health experience and loyalty.

AI underpins all retail experience now – which is something we’re hearing in healthcare whether at HIMSS, CES, SXSW, ePharma, and other conferences since the start of 2019.

My talk was next up, as I presented the evolving retail health/care ecosystem landscape and the growing role of the patient-as-payor.

Andy Karp of Jobson kicked off the afternoon’s content which focused on data and technology. When Andy spoke of us all being part of the “digital nation” as “digital citizens,” his remarks resonated with me. “We are all part of the digital nation….we pledge allegiance to the digital nation several times a day,” he waxed lyrically. “The only passport we need is a smartphone.”

That means we need a code of data ethics, and for that Andy cited Accenture’s report on Building Digital Trust with 12 principles for using data for good.

A panel on the promises of blockchain technology for health care brainstormed how to make data more transparent, more secure, and more accessible for everyone in the data sphere, with Jill Malandrino of NASDAQ parrying with Janine Grasso of IBM’s blockchain team, and AdventHealth’s CTO Roger Smith bringing his in-depth health system knowledge to the insights.

I believe that the health care industry can learn from IBM’s “journey of a mango from farm to retail,” as Janine described, using blockchain to trace a food chain from farm to fork. Her experience in the early days of blockchain-building across all industries is that 20% is the hard initial work, but 80% of the project is convening the network to agree governance and incentive structures.

IBM is building a Health Utility Network which includes Aetna and Anthem, among other partners, to use for credentialing, claims processing, and other services.

Dr. John Whyte, Chief Medical Officer with WebMD, spoke about how people use the internet for health care search. As a Board Certified Internist, Dr. Whyte speaks as both a front-line health care provider in Washington, DC, as well as through his lens on the inside of WebMD, still among the most-trusted healthcare information portals: one in four U.S. adults uses WebMD each month, and the site is #1 in reach for the top 50 diagnosed conditions, he noted.

It’s also the #1 health site for eye glass wearers 25-54 years old. Over 20 million info seekers on WebMD had an eye exam in the past twelve months. Top search terms for vision/optical information were for dry eye (39%, and weighted toward women seeking this answer), astigmatism (34%), myopia (29%) and floaters/flashes (24%).

People have a lot of curiosity about eyes, John observed — what does an eye color say about one’s health? How can I banish bags from my eyes? What causes eye pain? The questions are many and varied and curious.

No health conference is well-curated in 2019 without some discussion on the growing role of voice tech, and Dave Bovenschulte, VP Strategy with Klick Health, and Justine Santa Cruz, SVP with Satisfi Labs,  brought their deep knowledge to the topic. Their remarks informed our last panel session on turning data wealth into patient health.

Amy Heymans (Cueva), founder and leader of Mad*Pow (one of my own go-to health/tech designers) spoke on design for health care, patient engagement and behavior change; and John Ryan, General Manager of UnitedHealthcare Vision spoke of his organization’s strategic use of data in patient care programs for vision health.

Our end-of-day panel featured Dr. Whyte and me synthesizing the findings of the day on how health care and, especially, the vision/optical industry, can leverage data to benefit patient care and health. The elephant in the room all day, I felt and said, was privacy — or lack thereof. While Europeans in the room — remembering two of the major sponsors of the meeting were Essilor (based in France) and Luxxotica (based in Italy) — are covered by the GDPR for privacy of personal data, Americans are barely covered by a patchwork privacy quilt of HIPAA, GINA, COPPA (for children online), and other bits of policy. But the non-traditional data bytes (detailed in the Cracked Labs graphic above) that industry, and especially retail at large, are mashing up aren’t usually covered by HIPAA, unless they reside in HIPAA-covered entities’ information systems.

Our group-of-seven crowdsourced the importance of trust, transparency, and data stewardship to ensure that the patient-as-health-consumer and, ultimately citizen (in my own view) benefit from sharing data. Without these values and an ethical data framework, people won’t fully engage in health care…to the detriment of individual and public health.

Health Populi’s Hot Points: As experience and service become mantras in health care @ retail, it’s useful to call out a recent announcement from VSP, among the largest eyecare insurance providers.

You know about CVS buying Aetna late last year, bringing together the pharmacy-cum-healthcare services operation with a health insurance plan.

Now consider a vision/optical insurance plan entering the retailing side of the business. This is the news coming from VSP, one of the largest providers of vision insurance covering 88 million members, launching its retail optometry business cleverly named Eyeconic. 

In their online story, they tout the tagline, “Actual Experts. Actual Humans.”

Check out the lower right portion of the website snippet: “We’ve got an eye for each of yours…The Doctor Connection.” A key message of Eyeconic is their value proposition of connecting you, the patient-consumer, with a real-living doctor, not a chatbot, an app, or virtual human.

As I reflected on Eyeconic and what it means for the vision consumer, I told the group about Dr. Eric Topol’s latest book, Deep Medicine (reviewed here in Health Populi). The tag line of the book is how AI can help humanize health care.

The message here that Eyeconic has adopted meshes with Dr. Topol’s view that AI is key to helping humanize health care — but to complement and enhance the provider’s ability to spend quality time in partnership with patients.

The post Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem appeared first on HealthPopuli.com.

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem posted first on http://dentistfortworth.blogspot.com

[realselfblog]

Isn’t It Eyeconic? Vision Care in the Evolving Health Care Ecosystem

The vision/optical industry is one piece of the health/care ecosystem, but the segment has not been as directly impacted by patients’ new consumer muscles until just about now.

It feels like the vision industry is at an inflection point at this moment, I intuited during yesterday’s convening of Decoding the Consumer: The new science of customer behavior, the theme of the 13th annual global leadership summit hosted by Vision Monday, a program of Jobson Medical Information which is part of the WebMD family.

I was grateful to have an opportunity to share my views with attendees on the vision patient as health consumer through the health economic lens.

Marc Ferrara, CEO Information Services with Jobson, introduced the meeting with some context. The topic, “decoding the consumer,” was chosen as that vision patient, now consumer, has growing control over their experience – as they seek services for vision care and shop for products (lenses, eyewear, and supplies).

This is impacting optical retailers, from the corporate giants to the still-large presence of Mom-and-Pop brick-and-mortar storefronts in shopping strips, mega-malls, and even practitioners’ homes in exurban and rural geographies.

There’s a new data continuum with a shift in the relationship between the deliverers of services and their buyers. That data powers new relationships and programs, Marc explained.

He shared this image from Cracked Labs which illustrates the many data sources beyond the legacy health care claim that stakeholders can access and, if used for good, can benefit patient care and health outcomes.

Marc then presented an intriguing, if disturbing (to me), bar chart of “the future value of your data.” Globally, that calculated to a value of $2.36 per average internet user per month in 2025, $3.18 for the European citizen, and a whopping $9.82 for Americans. There are reasons underneath this value-calculation I’ll address in another post: top-line for me is Americans’ lack of comprehensive data privacy protection and lack of opt-in to data collection in everyday life (addressed in the concluding Hot Points, below).

In addition to the “data is the new oil” mantra, Marc noted the growth of omnichannel in retail that has begun to re-shape the consumer-facing optical industry. Over one-half of 213 retail chains listed in Internet Retailers top 1000 offered “buy online, pick up in store” fulfillment in 2018. Walmart, in particular, had a huge uptick in this during the 2018 holiday shopping season.

Marge Axelrad of Jobson then set out the agenda for the day, asking one of the day’s big questions, “Can experience and data co-exist?” She said, “of course it can,” as the day’s content proved out.

”We’re a little bit value and a little bit luxury” these days, Marge observed.

“Data and tech can re-define new experiences,” she said. We’re relying on technology to help us learn about what best works for consumer experience. And that’s true for health care as well as generic retail, Marge asserted, introducing Deborah Weinswig who is CEO and Founder, Coresight Research. Deborah spends one-third of her time in China, these days, and gave us the benefit of her learnings from Asia and retail innovation.

Technology is re-shaping physical retail, from Tiffany and Nike to retail pharmacy. Tech integration in the store and via e-commerce is changing the customer experience — and experience is table stakes now to keep the consumer’s loyalty, which is increasingly fleeting.

Here, Deborah’s concept of “boundaryless retail” will be quite relevant for health/care stakeholders, as the consumer can and will seek health everywhere – at home, on the go at grocery stores and workplaces, in their cars…omnichannel beyond (but including) media platforms.

Frictionless retail is also an important paradigm for health care, an industry rife with friction. A huge friction point we identified in our data-for-healthcare-good panel wrapping up the day is surprise medical billing due to patients’ unwitting use of out-of-network physicians and providers. Blockchain is proving to be a sound, effective use-case for keeping provider directories and credentialing up-to-date.

And that will enhance patient/consumer health experience and loyalty.

AI underpins all retail experience now – which is something we’re hearing in healthcare whether at HIMSS, CES, SXSW, ePharma, and other conferences since the start of 2019.

My talk was next up, as I presented the evolving retail health/care ecosystem landscape and the growing role of the patient-as-payor.

Andy Karp of Jobson kicked off the afternoon’s content which focused on data and technology. When Andy spoke of us all being part of the “digital nation” as “digital citizens,” his remarks resonated with me. “We are all part of the digital nation….we pledge allegiance to the digital nation several times a day,” he waxed lyrically. “The only passport we need is a smartphone.”

That means we need a code of data ethics, and for that Andy cited Accenture’s report on Building Digital Trust with 12 principles for using data for good.

A panel on the promises of blockchain technology for health care brainstormed how to make data more transparent, more secure, and more accessible for everyone in the data sphere, with Jill Malandrino of NASDAQ parrying with Janine Grasso of IBM’s blockchain team, and AdventHealth’s CTO Roger Smith bringing his in-depth health system knowledge to the insights.

I believe that the health care industry can learn from IBM’s “journey of a mango from farm to retail,” as Janine described, using blockchain to trace a food chain from farm to fork. Her experience in the early days of blockchain-building across all industries is that 20% is the hard initial work, but 80% of the project is convening the network to agree governance and incentive structures.

IBM is building a Health Utility Network which includes Aetna and Anthem, among other partners, to use for credentialing, claims processing, and other services.

Dr. John Whyte, Chief Medical Officer with WebMD, spoke about how people use the internet for health care search. As a Board Certified Internist, Dr. Whyte speaks as both a front-line health care provider in Washington, DC, as well as through his lens on the inside of WebMD, still among the most-trusted healthcare information portals: one in four U.S. adults uses WebMD each month, and the site is #1 in reach for the top 50 diagnosed conditions, he noted.

It’s also the #1 health site for eye glass wearers 25-54 years old. Over 20 million info seekers on WebMD had an eye exam in the past twelve months. Top search terms for vision/optical information were for dry eye (39%, and weighted toward women seeking this answer), astigmatism (34%), myopia (29%) and floaters/flashes (24%).

People have a lot of curiosity about eyes, John observed — what does an eye color say about one’s health? How can I banish bags from my eyes? What causes eye pain? The questions are many and varied and curious.

No health conference is well-curated in 2019 without some discussion on the growing role of voice tech, and Dave Bovenschulte, VP Strategy with Klick Health, and Justine Santa Cruz, SVP with Satisfi Labs,  brought their deep knowledge to the topic. Their remarks informed our last panel session on turning data wealth into patient health.

Amy Heymans (Cueva), founder and leader of Mad*Pow (one of my own go-to health/tech designers) spoke on design for health care, patient engagement and behavior change; and John Ryan, General Manager of UnitedHealthcare Vision spoke of his organization’s strategic use of data in patient care programs for vision health.

Our end-of-day panel featured Dr. Whyte and me synthesizing the findings of the day on how health care and, especially, the vision/optical industry, can leverage data to benefit patient care and health. The elephant in the room all day, I felt and said, was privacy — or lack thereof. While Europeans in the room — remembering two of the major sponsors of the meeting were Essilor (based in France) and Luxxotica (based in Italy) — are covered by the GDPR for privacy of personal data, Americans are barely covered by a patchwork privacy quilt of HIPAA, GINA, COPPA (for children online), and other bits of policy. But the non-traditional data bytes (detailed in the Cracked Labs graphic above) that industry, and especially retail at large, are mashing up aren’t usually covered by HIPAA, unless they reside in HIPAA-covered entities’ information systems.

Our group-of-seven crowdsourced the importance of trust, transparency, and data stewardship to ensure that the patient-as-health-consumer and, ultimately citizen (in my own view) benefit from sharing data. Without these values and an ethical data framework, people won’t fully engage in health care…to the detriment of individual and public health.

Health Populi’s Hot Points: As experience and service become mantras in health care @ retail, it’s useful to call out a recent announcement from VSP, among the largest eyecare insurance providers.

You know about CVS buying Aetna late last year, bringing together the pharmacy-cum-healthcare services operation with a health insurance plan.

Now consider a vision/optical insurance plan entering the retailing side of the business. This is the news coming from VSP, one of the largest providers of vision insurance covering 88 million members, launching its retail optometry business cleverly named Eyeconic. 

In their online story, they tout the tagline, “Actual Experts. Actual Humans.”

Check out the lower right portion of the website snippet: “We’ve got an eye for each of yours…The Doctor Connection.” A key message of Eyeconic is their value proposition of connecting you, the patient-consumer, with a real-living doctor, not a chatbot, an app, or virtual human.

As I reflected on Eyeconic and what it means for the vision consumer, I told the group about Dr. Eric Topol’s latest book, Deep Medicine (reviewed here in Health Populi). The tag line of the book is how AI can help humanize health care.

The message here that Eyeconic has adopted meshes with Dr. Topol’s view that AI is key to helping humanize health care — but to complement and enhance the provider’s ability to spend quality time in partnership with patients.

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