Credit card jargon

PAN – the card number BIN – the first 6 digits of the card number, which identifies the issuer of the card   CVV –  It is on the back of your card. Normally it has 3 digits.  Providing your CVV number to an online merchant proves that you actually have the physical credit or …

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Life events

Life events can trigger a review of insurance coverage. For example, "Just married" ,  "Starting a family" and so on.


中国的网银的用户体验普遍比较差,这可能跟银行没有专门做软件的产品经理有关。 如果说这个还可以容忍,那各种BUG就很恶心了。 某行的网银用的是C/S程序,我一次登录时,死活登录不上,老说我密码不对;后来用另一台电脑登录,就登上了。 今天遇到的这个更搞笑。这是另一家著名银行网银给我的错误提示: "对不起,操作未成功!role.user_has_not_right_status "  

HSA Administrators

HSA funds can be deposited with any authorized HSA administrator, regardless of which insurance company underwrites the policy


COBRA, or the Consolidated Omnibus Budget Reconciliation Act, was passed in 1986. COBRA contains health benefit provisions that protect one’s group health insurance coverage when employment is terminated or when one loses his or her coverage for another reason. Other reasons may include divorce from a covered employee, death of a covered employee, or when …

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Medicare— a Federal program which provides medical insurance for people over 65 and for those who are permanently disabled. Contact your local Social Security Office for a copy of the current Medicare handbook. Medicaid— (Called MediCal in California) is funded jointly by state and federal governments but administered by each state. Medicaid provides medical assistance …

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Health Maintenance Organization (HMO): An HMO is a type of health plan that provides a network of doctors, other health care professionals, hospitals, laboratories and other related services. You usually have to select from providers within your HMO’s network or the care you receive won’t be covered by your health insurance. The HMO may provide …

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