Approximately 1.5 million Americans are victims of medical identity theft each year, a crime that costs the nation $41.3 billion annually. Prescription fraud is a growing form of medical identity theft that is not only extremely costly and time-consuming; it can also put your health at risk and even be life-threatening. Unfortunately, medical identity theft isn't commonly known by many Americans, and often isn't detected until it's too late. When we don't take precautions to prevent prescription fraud and other forms of medical identity theft, we put ourselves in jeopardy of becoming another victim.
<b>What is Prescription Fraud?</b>
Prescription fraud occurs when identity thieves use your personal information to fill prescriptions in your name. They use your medical identity to receive medical treatment at hospitals and doctors' offices, obtain medications, and access other healthcare services.
Prescription fraud doesn't just leave you with a huge bill-it can potentially put your health at risk as well. You may find that false information has been added to your personal health record, such as a change in blood type or supposed allergies. Every medical procedure received and prescription filled by the identity thief becomes part of your medical history, which means you may not be able to obtain the life-saving treatment you need in an emergency medical situation.
Detecting and resolving medical identity theft can be difficult as well. You may not discover that you're a victim until a pharmacy refuses to fill a prescription because it conflicts with another medication you appear to be taking. To make matters worse, fixing errors in your record can be very challenging due to medical privacy laws. Ironically, the same laws that were implemented to protect your privacy and health information are now protecting the medical identity thief. This restricted access to medical records prolongs the duration of the theft, costing you countless time, money, and frustration.
<b>How to Prevent Prescription Fraud</b>
One of the easiest ways to avoid this type of medical identity theft is simply to be aware of what you throw in the trash. Prescription medication labels carry such sensitive information as your full name and address, the prescribing physician, the type of medication, prescription number, and the pharmacy's contact information-all of the things a thief needs to perform prescription fraud. Instead of throwing empty prescription bottles in the trash, including the drug information forms, remove the labels and shred them. Other ways to prevent prescription fraud:
• Review every explanation of benefits (EOB). Examine the charges for medical visits or prescriptions you didn't receive, and report any suspicious activity immediately.
• Never simply toss medical information in the trash. Dumpster divers can easily access your personal information if you fail to shred the documents.
• Secure medical records. Keep your medical records in a safe place inside your home or in a safe deposit box, away from the prying eyes of visitors. Believe it or not, friends and relatives who have easy access to your personal information are often the culprits.
• Safeguard prescription bottles. Hide or lock-up your medication rather than leaving it in plain sight or in a medicine cabinet. This will prevent anyone from walking off with your prescription medication and, later, your identity.
• Manage written prescription slips. Don't throw them away or leave them out where they can be stolen. These slips are all an identity thief needs to fill a prescription in your name, leave you without your medication, steal your medical identity, and even put your life in danger.
• Enlist the help of an identity theft protection service such as ID Theft Solutions, which can proactively help prevent medical identity theft and even restore your identity when it's stolen.
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<p>It's that time of year when the temperatures drop and icicle form on the rooftops. We like to find refuge in the comforts of our own home. But,what if our homes aren't as warm as they should be?</p> <p>To keep you warm and toasty this winter here are some of the best heating tips to keep your home heated as efficiently as possible.</p> <h2>Fill the Gaps</h2> <p>Before you spend all your money heating your house,make sure your house is sealed.</p> <p>Check window frames,power sockets,recessed lighting,and door frames -- anywhere air could leak out. To find leaks,walk around when the wind is blowing and see if you can feel any gaps.</p> <p>Another trick is to take a candle and watch the flame. If the flame starts moving horizontally,then you've spotted an air leak.</p> <p>Fill the gaps with caulk or foam strips to seal up the holes in your home.</p> <h2>Insulate to the Fullest</h2> <p>In new homes,insulation is part of the building process. But,the insulation used is usually fiberglass or other cheap materials.</p> <p>To upgrade your insulation,you can add other<a href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/insulation-types/">types of materials</a>to your attic,unfinished basement,or storage areas.</p> <p>To add insulation to your windows,you can start by adding a transparent polythene film to your windows and hanging some extra thick curtains.</p> <h2>Set Your Thermostat</h2> <p>Thermostats are self-regulating devices that can keep your home at a constant temperature.</p> <p>Decide where you want your temperature,set it,then forget it. When you fiddle with the thermostat,you actually use more energy and end up spending more money.</p> <p>And to save even more money,consider lowering your thermostat at night. Turning it down just a few degrees while the family is sleeping can help you save up to 10% a year.</p> <h2>Turn Down the Water Heater</h2> <p>It takes a lot of energy to heat the water,but the good news is it takes a long time to cool down</p> <p>To reduce the amount of energy used,turn the water heater down a little. Keeping the water set at 120 degrees Fahrenheit is hot enough for your needs but will end up saving up to 5% of your water-heating costs.</p> <h2><strong>Here Comes the Sun</strong></h2> <p>Even if you don't have solar panels installed on your roof,you can still use the sun to heat your home in the winter.</p> <p>Open your south-facing window shades and allow the sun to shine in. If you have stone or tile floors even better as they will hold the heat and then release it slowly.</p> <p>Just remember to close the shades when the sun goes down. This will help trap the night overnight.</p> <h2><strong>Heat the Rooms You Use</strong></h2> <p>Often there are rooms in a house that aren't used as frequently as others. If you have a spare bedroom or an office that isn't used every day,close the vents in those rooms to direct the heat to other rooms.</p> <h2>Bundle Up</h2> <p>If all else fails,bundle up. We're not suggesting snow bibs and boots,but socks and a sweater can go a long way.</p> <p>Did you know that if your<a href="https://www.medicalnewstoday.com/articles/320327.php">feet are cold</a>,your whole body will feel cold? So make sure to invest in some warm socks to wear around the house.</p> <p>Keep throw blankets around the house: on couches,in the office,and on your bed. That way you can add an extra layer whenever you are feeling chilled.</p> <h2>Winter Heating Tips</h2> <p>After a long day out and about in the freezing temperatures,you deserve to relax at home. Use these heating tips to keep your house heated without having to break the bank.</p> <p>And for all your other HVAC needs,<span>[dcl=7346]</span>. We're here to make sure you stay comfortable all year round.</p>
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<p>A debt consolidation loan - make that the RIGHT debt consolidation loan - can be a stress reduction loan as well. The fact is that most people get too deeply in debt at one time or another. Sometimes the deep debt is caused by poor financial management and a bad case of "living beyond means," but sometimes the deep debt can be caused by an accident,injury,or illness or by the unexpected loss of a job. Sometimes personal relationships can put a strain on finances,and divorce is often the reason that people get too deeply into debt. Deep debt causes stress.</p> <p>There's no doubt about that fact. Getting out of deep debt relieves stress - there's no doubt about that,either.</p> <p>The thing is that if you are considering a debt consolidation loan that you understand exactly what the loan covers and what it does not cover. You need to get the debt consolidation loan for as much money as you need - no more and no less.</p> <p>First,debt consolidation loans are usually made for unsecured debts only. Unsecured debts are debts like major credit cards,store credit cards,gasoline credit cards,etc. Medical bills are sometimes included.</p> <p><span>[dcl=7360]</span></p> <p>An unsecured debt is a debt for which you have pledged no equity. Secured debts like mortgages,car loans,loans for furniture,boats,or other physical property are not included in a debt consolidation loan,and neither are monthly expenses like utility bills,groceries,or insurance payments included in a debt consolidation loan.</p> <p>It is important to note that when you get a debt consolidation loan,the credit cards,store cards,gas cards,etc. will be terminated. You can't pay off a balance on your MasterCard with a debt consolidation loan and continue to use the card.</p> <p>What I discover in my years of debt experience is that the banks,debtors,insurance companies education system have in common,is that they don't tell you what to do to make a increase on your monthly or annual income.</p> <p>They all wants you to pay your debts and whatever you owns them. One day it strike me,that I want to pay my debt and bills but the money,my income is not sufficient and there is no sign of promotion or increase without starting you own small business.</p> <p><span>[dcl=7360]</span></p> <p>Then I told myself is time to start at a new plan. I change my approach to debt. But this thought didn't come in one day or the next day. It takes years for me to find out,to find my way to get out of debt consolidation. The secret is that you cannot get up in the morning assuming that you are going to get out of debt by next week Monday or next mount or by the end of the year.</p> <p>You need to start thinking,make a mental picture to break free from your debt,that debt don't have a place in your life. A debt free life is not something that you receive from someone,is something you have to work on and it takes vision,hard work and Action.</p> <p>The success debt management newsletter will lead you ultimately to start building wealth,start making money. Start thinking about a online business.</p> <p><span>[dcl=7360]</span></p> <p>You need to get serious and as yourself do you really want this? This is one of the secrets. Building up your internal empowerment without a business degree by making the right choices in your life and if I can do it you can. But this require Action. Get started Today. It's a gold mine of information.</p>
<p>will feature hearty American dishes with chef-driven spins,according to the group. City Works is no stranger to the food scene in American - the <u><a href="https://www.lincolnparkchamber.com/news-item/suite-home-chicago-races-fight-hunger/">Schaumburg</a></u> location is their eighth location.</p> <p></p> <p>According to a press release that the management group put out earlier this year,the space features a 5,300 square-foot patio with an indoor and outdoor bar,a jumbo 130" HDTV,a bocce court,and 9,200 square feet interior part of the restaurant with seating for 158,bar seating for 23,11 65" and four 110" HDTVs. But that's not all! If you're looking for a place to host a private event,City Works in Schaumburg is the place to do it. The restaurant will have a private event space with a 110" HDTV that can accommodate up to 50 people and 36 for a seated event.</p> <p></p> <p>Just because this is the Chicagoland's first location doesn't mean that the beer menu will be featuring all out-of-state beers. Bottleneck notes that more than 40 percent of the beers on their list will be brewed by Chicagoland brewers. And if you're not a beer drinker,don't worry - the Bloody Mary is perfect for someone like you. The drink features a spicy house Bloody Mary mix and Tito's Handmade Vodka,crowned with grilled shrimp and a skewer loaded with cubed pepper jack cheese,cornichon,cherry tomato,Gibson cocktail onion,and a Slim Jim stir stick,according to the release.</p>
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