Posts Tagged ‘Health’

Where to look for cheap health insurance

Article by michpeeter









Nowadays, health insurance cover premium is going to increase day by day and so many types of health insurance has been introduced that if you try to cover all those in your selected plan of health insurance then probably you would be unable to pay your premium amount regularly. So you should be very careful while selecting your insurance plan and you should have to cover those things in your health insurance which you think are very compulsory for you.

Availing a health insurance is just similar to the act like if we take an umbrella in the rain. Every state should have its own health insurance plans so you should have to select your health insurance plan according to your state policies. If you are living in Texas, then you have to select your health insurance according to the Texas health insurance policies and if you want to search out cheap health insurance in Texas then you have to simply search it out through the internet. For searching through internet, only you have to do is to put the keyword

California individual health insurance and health insurance in CA: Guide to getting an individual health insurance in California

Article by jhoana cooper









As in many other states, health insurance in CA provides limited guarantees to individual policy holders in exchange for premiums. However, note that a private individual insurance follows entirely different rules. Your capacity to get a California individual health insurance will depend on your current state of health and other related factors. There are certain cases when insurance companies will be more than happy to insure you, while certain circumstances compel them to decline your application.

Individual health insurance in CA is simply getting a private coverage through a legitimate insurance company. Although they are probably one of the most expensive of health policies, approximately 5% of the American population has individual coverage. Individual plans are usually the least expensive health insurance you can get access to. However, its main disadvantage is that they don’t accept those that currently suffer from any form of health conditions or whose lifestyle they might consider high risk. California individual health insurance companies vary in terms of their acceptance, and decisions are usually subjective.

As mentioned earlier, California individual health insurance policies follow a different set of rules. You can be denied of individual health insurance in CA if you have a serious medical condition such as HIV or cancer. However, you will be an exception if you are eligible with HIPAA. Citizens of CA that have HIPAA eligibility can not be turned down by companies for individual insurance. They also enjoy the advantages of being free from pre-existing condition exclusion periods and certain premium limitations.

The California Department of Insurance mandates that if you have been covered by either an individual or a group policy, and assuming that you have had no missed payments or breaks in coverage not longer than 62 days, the new insurance company should be compelled to give you creditable health coverage for the previous insurance. Moreover, if you already have purchased a California individual health insurance, the coverage will not be cancelled if you are struck by any illness.

California individual health insurance companies have been granted the right to ask questions regarding your medical history. They usually impose stringent requirements to make sure they know almost every aspect of your health and lifestyle. For those with pre-existing conditions or those with rather unhealthy lifestyle, most insurance companies have developed a way to insure “uninsurable” people through individual coverage high-risk pools. In most cases the insurance company will agree to cover you, but will either increase your premium to cover certain conditions, or exclude specific conditions from your coverage as they deem necessary.

Getting an individual health insurance in CA does not necessarily mean that the policy only covers you, the policy holder. This type of health insurance is also available for your dependents and families. There are a wide variety of California individual health insurance plans that provide various types of coverage. The state of California requires health insurance companies a list of mandatory benefits that get updated every now and then. This list should be made available for you.



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Getting health insurance in CA is easier and more affordable than you think! We at EXHealthInsuranceCA can help you get the right health insurance in CA that you and your family need.










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When is the Best Time to Buy Low Price Health Insurance

Article by articles









Low price health insurance – it seems, specifically now, those terms merely don’t feel right as one in the same sentence. Health insurance monthly payments have turn out to be the largest single cost in our lives – surpassing even house payments. In reality, if you bear any lasting wellbeing problems, such as diabetes, or have had malignancy at one period in your family unit history, your monthly expense could simply be more than the home and auto payment combined.

Shopping for low price health insurance can certainly be an eye-opener. If you have continually had a health insurance benefit wherever you operate – specifically a state or federal worker – and currently have to obtain your own, you may well not be able to purchase the type of health insurance coverage you have become accustomed to.

Health insurance with low cost, however, is beyond doubt obtainable -if you know how and wherever to look.

Whilst you are searching for health insurance with low cost, you like the smallest expense per year that will fit your financial plan, of course. But, even more important, you wish for a company that has a high-quality history for paying with no fighting with you on each detail. Just as nearby is a automobile for nearly every financial plan, at hand is in addition reasonably priced health insurance. You possibly will not be able to afford a “BMW” plan – but at that time you likely don’t need all the extras anyway.

Shopping for health insurance on the web is the easiest and most excellent way to discover reasonably priced health insurance. Here are five reasons why.

1. You don’t need a resident agent to help you file the claims for health insurance. The health supplier does it for you. You save cash since the health insurance company saves cash by not paying the agent commission. This may possibly amount to an 8% to 12% savings to you.

2. All the best health insurance companies are immediately accessible on the World Wide Web. Largely community agents can simply quote you from the small amount of companies that they speak for. They may perhaps not offer you what is most excellent for you financially or health-wise but simply what they turn out to have accessible.

3. Health insurance companies have to be exceptionally competitive since it is so fast and straightforward to put them side by side with their competitors on the World Wide Web now. In the past you would have had to go to physically eight to ten agents to do a like comparison. Generally people truly didn’t have the schedule or want for that.

4. You can exchange your coverage, deductibles, and payment options with solely a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a faux pas- extra delay).

5. Charging to a credit card means you aren’t open to not remember a payment and be with no insurance. Also, it gives you a further 30 days before you in fact have to pay. Also, most companies now confer a further money off for “auto-pay”.

The answer, however, to finding low price health insurance is realizing that the function of any health insurance is to shield you from a main fiscal loss – not to shield you from spending little money on clinic visits and sliver abstraction. These little expenses may well be annoying but they commonly will not hurt you. It’s the 0,000 heart surgical treatment that will break you. That’s the economic catastrophe health insurance was originally designed to stop.

Furthermore, bare this in mind. Health insurance, as with every insurance, is a chance. You are betting that you will pull out extra than you put in. Your health insurance company is betting they will put out a smaller amount. Things are in their favor for two reasons. They hold all the specifics for millions of families to average out, so they understand the danger in advance. Furthermore, they make the rules and the pricing. The more you set your deductible, the extra chance you take. This is not a bad matter at all. You will generally likely be the one who wins in the end.

Yes, finding low price health insurance is much easier than nearly all citizens think.

Taking more of the danger with elevated deductibles, taking a slight time on the world wide web comparing eight to ten diverse companies, and changing coverage that you will not usually want (such as parenthood for most folks) will make it very workable to discover your own low price health insurance.



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Before you spend your hard earned money click here to get the facts first for low cost health insurance.










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Health insurance losing its popularity

Article by Addi









Analysis presented by different market experts says that life and health insurance industry cannot see a lower side as these are very much needed between 100 crore population where expenses for medication and hospitalization are touching peak.

However, according to the recent study health insurance industry is actually going down in the country as a result of global economic slowdown. At the time of recession when not many are interested in investing money any where, the health insurance products are also not seeing many takers.

Besides, general insurance companies in government sector like New India Assurance, many companies in health insurance segment are facing trouble from past some. So, the analysis says that Indians are brave enough to take risk on their lives rather than investing a sufficient amount to secure their lives. Therefore, the well named companies like ICICI Lombard, Reliance General Insurance and Bajaj Allianz Health Insurance are witnessing loss. Some of these companies are ready to take IPO route to arrange cash for them.

According to entire study, private sector insurers are not going through a happy phase with customers not trusting these companies and some are not ready put their money on insurance.

Today health insurers in private sector are in a mess and one reason for this mess is that people are questioning the stability of these companies. One can easily trust a public sector insurer as that comes under the government umbrella but a private sector insurance company which has still not completed its first 10 years in the industry face tough tasks in a way to make good impression on one’s mind.

There are insurers like ICICI Lombard and Reliance General Insurance which are operating in market under a big brand for a long time now, but what about a company like Apollo DKV Health Insurance which is still to make a big mark for itself and is still not eligible to get listed in capital market with its initial public offerings.

Speaking of reasons for lower subscription of health insurance policies, second in line could be the type of policies a company offers to an individual.

Bajaj Allianz Health Insurance offers its customers with a range of policies like Health Guard, Critical Illness, Hospital Cash, Silver Health, Health Ensure, Personal Guard, Insta Insure and Family Floater HG. With so many plans to offer, privately held insurance company is not getting good feedback and the reason being some costlier policies, all in one is not present or expensive or some policies are not available for the people who are about or above the age of 60.

There are many other things which makes a health insurance policy unattractive for customers like a health check up based on which the total cost of that policy is decided.

Besides all these reasons for downfall of health insurance industry, one reason is still to come. Many major general insurance companies in India are looking to select the hospitals where they want to provide claims to their customers and if a person gets treated in a hospital out of that network, the company would not be paying full claim.

With customers losing interest in health insurance and companies going through a lower growth period, it seems like insurance regulator would soon be getting ready with some new norms.



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The author is a business writer specializing in finance and credit products. To Know more on his projects like health insurance visit http://www.paisawaisa.com/










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COBRA Subsidy Expires: Less Affordable Health Insurance for Unemployed

Article by Yamileth Medina









Finding affordable health insurance is one of the primary concerns for people who have recently become unemployed. If your job offered health insurance benefits, the premiums were heavily subsidized by the company. Moreover, the cost of underwriting policies is spread among the entire workforce. This makes employer-sponsored health insurance relatively inexpensive. Since the risk is also distributed evenly among employees, you are virtually guaranteed to recieve health insurance, regardless of any pre-existing conditions you may have. However, the situation changes when you lose your job; your former employer will no longer pay part of your health insurance premium, so you will be responsible for the entire amount yourself. COBRA, also known as the Consolidated Omnibus Budget Reconciliation Act, lets former employees retain the health insurance coverage from their last job. It won’t necessarily be affordable health insurance, but it’s there nonetheless. Keeping your health insurance policy (whether it is an individual health insurance policy or through COBRA) current is very important, since uninterrupted insurance will help protect you from future coverage exclusions.Unemployment obviously makes covering the cost of a COBRA health insurance premium difficult. This recession has resulted in millions of Americans becoming out of work and in danger of losing their health insurance. As part of last spring’s stimulus package, President Obama and Congress enacted a 65% subsidy of COBRA health insurance premiums. Qualified ex-employees–those who were let go as a result of a layoff or downsizing between September 2008 and December 2009–were able to take advantage of affordable health insurance made possible by the government’s subsidization. This type of health insurance is still more expensive than insurance provided by an employer, but paying only 35% of the cost of health insurance frees up money for other consumer spending able to stimulate the economy.Unfortunately, the subsidies only last for nine months. After that, health insurance rates will triple for many people, as they are again forced to shoulder the full cost of a policy. Without an extension of this provision in the American Recovery and Reinvestment Act, affordable health insurance options for the unemployed will decrease. Congress doesn’t seem to have any plans to address the issue in overarching jobs legislation or separate legislation any time soon. Economic recovery is occuring at a slow pace, which means that a significant percentage of the unemployed remain so after that length of time. Health insurance costs eat up a large portion of state unemployment benefits. COBRA enrollment has doubled since the subsidy was enacted, meaning that quite a few people feel an unwelcome shock at the cost of next month’s premiums.There are multiple steps a person can take if they are worried about the cost of purchasing a health insurance plan. Affordable health insurance is available for both individuals and families on the open market. In many cases, these policies cost less than retaining a unsubsidized COBRA policy (when paying 102% of the premium’s cost). It is important, however, that a person doesn’t drop their COBRA coverage until another health insurance plan has approved him or her. When a person has pre-existing conditions, buying affordable health insurance becomes more difficult. However, most states have high-risk health insurance pools as supplements. There are also Children’s Health Insurance Programs run by each state that kids may qualify for if their family is earning below a certain income level. No matter what, there are solutions to the affordable health insurance crisis available.



About the Author

Yamileth Medina is an up and coming expert on Health Insurance and Healthcare Reform. She aims to help people realize that they can find affordable health insurance right now while waiting for a public option, if it ever gets passed. Yamileth lives in Miami, FL.










How To Get Affordable Health Insurance In Indiana

Most people don’t give serious consideration to health insurance until they realize how much medical care actually does cost. Many young individuals, in particular, feel they can slide by without health insurance because presently they feel great. The problem with this line of thinking is that an illness can strike with little warning, and even though the likelihood of developing a serious disease increases as a person ages, there is still a chance that you can become ill while young. For this reason it’s important to start looking for affordable health insurance while you are still in your twenties or thirties.

In Indiana, if you are single and make under ,149 a month, you will qualify for state assistance with your health care premiums. If you make more than that you’ll need to find affordable health insurance on your own. The best place to start this search is with your employer. Ask about any group plans that you may be eligible for now or in the future. Quite often these types of plans offer very extensive benefits at a cost that is fractional to what you’d pay in a private plan. Even if you feel that you don’t need all the coverage, with the low cost it comes at, you can certainly afford to have it.

When you are shopping for health insurance from a private company it may seem a bit overwhelming. There are many choices in health care plans and it’s important to pick one that offers the benefits you feel you need now. You can always adjust your coverage in the future if your health care needs change. This typically occurs after you marry or have children. Until then, pick a plan that offers the basics. This will ensure you have coverage when you need it at a price you can afford.

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This Week in Health Care Reform : EasyToInsureME Health Insurance

This Week in Health Reform

Republican Scott Brown’s victory over Massachusetts Attorney General Martha Coakley (D) in the January 19 special election to fill the seat of the late Senator Edward Kennedy (D) might prove to be a game-changer for the health care reform debate. The loss of the 60th Democratic vote now robs Senate Democrats of a filibuster-proof majority. Last week, Democrats were rushing to wrap up a House/Senate agreement on the bill, likely due to reports that Coakley’s lead had diminished.

Congressional leaders are still aiming to have the controversial points in the health care reform bill settled as soon as possible, so they can send the compromised bill to the Congressional Budget Office (CBO) for scoring. The CBO will then need 12 days to analyze the legislation.

In addition to Senate Majority Leader Harry Reid (D-NV) and Speaker of the House, Nancy Pelosi (D-CA), lawmakers participating in the White House meetings include: House Majority Leader Steny Hoyer (D-MD), House Majority Whip James Clyburn (D-SC), House Energy and Commerce Committee Chairman Henry Waxman (D-CA), House Ways and Means Committee Chairman Charlie Rangel (D-NY), House Education and Labor Committee Chairman George Miller (D-CA), Assistant Senate Majority Leader Richard Durbin (D-IL), Senate Finance Committee Chairman Max Baucus (D-MT), Senate HELP Committee Chairman Tom Harkin (D-IA), and Senate Banking Committee Chairman Christopher Dodd (D-CT).

A main point of contention between the two houses of Congress pertained to the
40 percent excise tax on high-cost health insurance plans passed by the Senate. Since many labor union members would be affected by the tax on high-cost health insurance plans, the House of Representatives was not supportive of this provision in the Senate bill. Union leaders have also been included in key negotiations on this provision, and on January 14, signaled that they are ready to support the merged legislation with the compromised provision.

The main revenue source for the Senate’s health care reform bill (H.R. 3590) would be from an excise tax – beginning in 2013 – on employer-provided, high-cost health insurance plans costing more than ,500 for individuals and ,000 for a family. The reported compromise on the legislation now makes the tax kick-in on policies costing ,900 for individuals and ,000 for families. The tax threshold would still rise at inflation plus one percentage point, as is currently written in the Senate bill. Additionally, dental and vision benefits would be removed from the calculation of threshold costs, and plans offered by state and local governments, as well as plans covered by collective bargaining agreements, would be exempted from the excise tax until 2018. This would allow current agreements to expire and allow for negotiation of new contracts.

In an effort to make up the lack of revenue from the modification of the excise tax provision, leadership will have to come up with new funding to finance the merged bill. Some reports have mentioned that the pharmaceutical industry has agreed to provide more money than the billion they have already negotiated with the White House. Medical device companies could also face additional fees. Portions of the main revenue source in the House bill – a Medicare payroll tax on wealthy U.S. residents – could be added as well.

On January 14, Richard Trumpka, president of the AFL-CIO, said, “Union leaders approached negotiations with the White House and congressional leaders with one overriding goal in mind – getting a bill signed into law.” Gerald McEntee, president of the American Federation of State, County and Municipal Employees (AFSCME), said, “We do like the way it’s shaping up, but it’s still not finished. We’ve got to see a final product.”

There also has been significant discussion – but no resolution so far – about the question of whether to establish a single national health insurance exchange or allow each state to operate its own exchange. Blue Cross and Blue Shield of Texas continues to support a state-based approach to exchanges.

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Health Insurance Quotes Reform Weekly

CALIFORNIA: The California Department of Insurance (CDI) has announced the release of e-mail notification system that will alert consumers when new individual health insurance rate filings are submitted.  CDI has previously announced that it would begin publicizing rate filings for individual health insurance policies.  Consumers are able to sign up online in the manner used for traditional e-mail updates.  CDI has also developed a consumer website with rate filing information.

NEW JERSEY: Following recent enactment of Governor Chris Christie’s budget, the Democrat-controlled legislature passed supplemental appropriations bills to restore million in funding for state’s uninsured health coverage program, known as FamilyCare, as well as .4 million in aid for women’s health and family planning programs. The FamilyCare restoration, if signed into law, would have allowed adults with income between 134 to 200 percent of the federal poverty level to remain in the program. Despite bipartisan support in the Senate, Governor Christie vetoed the legislation, saying that the state has reset spending to a level that taxpayers can afford. Legislative leadership has indicated they may try to override the governor’s veto. Overriding the governor’s veto would require a two-thirds majority in both houses.

NEW MEXICO: The Public Regulation Commission (PRC) has appointed John G. Franchini as the new Superintendent of Insurance, a position that has been vacant since the May 4 resignation of his predecessor, Morris Chavez.  Franchini was selected from among five finalists and will assume his new duties in mid-August.

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OHIO: While the Strickland Administration has advised state agencies to begin planning for the next biennium at both current levels and with a 10 percent cut in funding levels, the Budget Planning and Management Commission has been conducting hearings preparing for Ohio’s biennial budget adoption. The current budget ends on June 30, 2011 and is billions in the red. Testimony before the Commission has focused on increasing efficiencies by combining certain administrative functions of local and state governments and utilizing performance audits to determine if tax dollars are being spent efficiently. The Center for Community Solutions suggested to legislators that principal stakeholders in Medicaid (such as managed care companies and hospitals) be given budget targets and be asked to come up with ways to slow the growth of Medicaid. Conversely, the Health Policy Institute of Ohio guided legislators to the possibility of Ohio “rebalancing” its long-term care spending to shift utilization from long-term care facilities to home and community-based services.

While PPACA-related budget priorities will take place after the next biennial budget is adopted, it was previously determined that the federal expansion of Medicaid eligibility as part of health care reform will cost the state 0 million in 2014 –rising to 2 million by 2019. Absent any federal law changes, annual costs will rise substantially in 2020 and beyond, as the federal government’s match for new enrollees will drop to 90 percent of the total cost. The total state cost of Medicaid expansion from 2014 to 2019 is projected to be .45 billion.

OKLAHOMA: The Department of Insurance (DOI) announced last week that a final contract for the new temporary high-risk pool has been signed and sent back to HHS.  The DOI is in the process of drafting the application that will be used with the pool.  Oklahoma was awarded million for use over 40 months.  Several candidates are being interviewed to be the High Risk Pool Manager.  Open enrollment will begin August 1 with an effective date of September 1.  Additionally, Oklahoma was the only state to request an open enrollment period for the PPACA provision requiring coverage of children under 19 in the individual market.  HHS has decided open enrollment periods will be permitted at the discretion of insurance companies.  On a separate issue, the Oklahoma Supreme Court has scheduled oral arguments to take place on August 4 in the lawsuit filed by Commissioner Kim Holland, on behalf of the DOI, challenging the constitutionality of a new 1 percent claims-paid fee passed by the legislature in late May.  The bill is scheduled to take effect August 27, absent court intervention.

 

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Health Insurance Quotes – Unbiased Review

Article by Paul Taylor King









Finding health insurance quotes can be engaging since you want a rate that complies with your budget and gives you the best health benefit plan. You can find different sites on the internet which can give you an extensive list of health insurance companies along with their rates and health benefit plans. Some of these sites are paid while there are also those that give free quotes.

The first step in finding health insurance quotes is to know what kind of health insurance plan you want. There are individual health insurances, family health insurances, group health insurances and short term health insurances. You can also find other insurances that are specifically catered to your needs such as dental health insurances, travel health insurances and student health insurances. You must know what your needs are beforehand in order to choose a few candidates among thousands of insurance companies.

The next step is to go to websites. It can be a website of a specific health insurance company or websites which provides health insurance quotes search engine. If you want to have a benefit plan from a specific insurance provider, all you have to do is apply for a quote on their website. As stated on the first step, you are going to be asked what benefit plan you would like to have. Additionally, you can also be asked how long you want to keep this benefit plan. As for websites which provide a search engine on insurance quotes, you are going to be asked to specify what type of insurance you want and the place you are in. Usually, you are going to put your zip code there. This is to generate insurance companies and agents near your home so you can immediately visit them after you know what health insurance plans they offer for your budget.

After finding candidates who provided the right health insurance quotes for you, make sure to check about their insurance companies. What you do not want to happen is to waste your money. Read reviews and comments about the health insurance company and what they are really able to provide their customers. Do not be tricked by those health insurance companies who are just providing discount plans to their customers if you are really looking for a permanent health insurance. These insurance companies will show you they are the most affordable but what you do not know is they just provide half of what those costly health insurances offer.



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How To Apply For Health Insurance When You’re Self Employed

Article by Abel Jones









People are focused towards their health these days. This is the reason that you can find several health gyms, food chains and dieticians around you. This is fine. However, people tend to neglect an important aspect about their health and that is the possibility of getting inflicted by various diseases or facing medical emergencies. This makes them lose out on all their savings during an emergency. These days, it is really hard to pay for hospital treatment and medical bills without an insurance policy. Hence, it is important to purchase health insurance policy to ensure safety for your health.

Self employed health insurance is one of the most famous and appreciated insurance policies available for consumers on the market. People who own a business or freelance do not have a fixed income. Therefore, they cannot be benefited by a general health insurance policy. Self-employed health insurance is especially designed for people who own a business or freelance.

If you purchase a self employed insurance policy, you can easily incur costs for all your hospital treatments, serious ailments, physical injuries and medical bills. It is a great option. However, you can only get benefited if you are able to find the best self-employed cover. The policy should be affordable.

Here are some common options that can make health insurance affordable if you are self employed:

a) COBRA:

This is the best option for the beginning of your self employment. Once you leave your job to start a business of your own, your employer should give you the option of retaining membership in his health insurance plan by law for several months. You need to cover the entire monthly premium paid by your company. Here, the actual cost of this insurance is more affordable compared to those plans that you would have otherwise purchased as an individual. However, you should remember that it is only temporary. Try to look for other health insurance options while you are still covered.

b) Group health insurance for the self employed:

Most states such as Maine provide affordable group policies for groups of one via health insurance companies. All you require to do is to shop around to find a company that provides one at affordable rates. Make sure that the health insurance covers everyone in the group, irrespective of health conditions. The policy insures you and your family against possible hazards due to illness or accident.

c) Coverage under a spouse’s plan:

This is one of the most common options available to cover the family for health insurance with the help of a spouse’s employer. If a member of the couple is working for a company that has a group health insurance plan, it is usually considered as the most affordable option for insuring the whole family.

There are several factors you can benefit from when purchasing self employed health insurance plan. First and foremost, you will have the tax benefit with your self employed health insurance plan. The self employed health insurance premium is 100% tax deductible.

Another benefit is reduced costs in premium. This can be easily availed via your spouse group insurance through the spouse’s company. You can also get this benefit via employing 2 to 50 people in your company.

A self employed insurance is very important for a business owner and a freelancer.



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