<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-2717124265992280546</id><updated>2024-10-06T20:34:29.804-07:00</updated><category term="Health care"/><category term="Manual Testing"/><category term="Latest News"/><category term="SDLC - Testing Models"/><category term="Government Jobs"/><title type='text'>RSS Infosystems</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default?redirect=false'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><link rel='next' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default?start-index=26&amp;max-results=25&amp;redirect=false'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>39</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-5844599056140361480</id><published>2013-12-16T02:47:00.001-08:00</published><updated>2013-12-16T02:50:58.116-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Latest News"/><title type='text'>IRCTC Registration form | how to create a new account in irctc.co.in | Indian Railway train seat availablity details | Next Generation e - Ticketing Journey Planner </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;b style=&quot;color: red;&quot;&gt;IRCTC NEW ACCOUNT CREATION :&lt;/b&gt; Indian Railway 
Catering and Tourism Corporation Limited. This site is used to know the 
seat availability in Indian Railway service . This is also used for 
Booking the tickets in all classes like SL (Sleeper Class) , 3AC , 2AC 
(Tier) , CC (Chair class) , 2S . . Etc in all trains including Garib 
radh , Rajadhani , Jan shatabdi, Super fast express trains and also 
passengers. You have different reservations like General , Tatkal , 
Ladies , E-tickets categories.You also find the seats availability in &lt;span style=&quot;color: blue;&quot;&gt;&lt;b&gt;www.indianrail.gov.in&lt;/b&gt;&lt;/span&gt; account.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;How to create a new account and registration :&lt;/b&gt;&lt;br /&gt;
First Log on to &lt;span style=&quot;color: blue;&quot;&gt;&lt;b&gt;www.irctc.co.in&lt;/b&gt;&lt;/span&gt;
 and click for sign up option and one application from will be displayed
 and follow the instructions and submit the form. And you have to give 
Email ID and Mobile number for sending Verification codes and submit the
 verification code in irctc and you have to log in successfully.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;How to Get Verification code and how to remember password :&lt;/b&gt;&lt;br /&gt;
If u forgot password and they ask about username and type the your 
username in text filed and ask about one security question and you have 
to submit the correct answer and then password will be send to your 
E-mail and also to your Mobile.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;CLICK HERE FOR &lt;a href=&quot;https://www.irctc.co.in/cgi-bin/bv60.dll/irctc/services/register.do?click=true&quot; target=&quot;_blank&quot;&gt;REGISTRATION FORM FOR IRCTC&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;b&gt;CLICK HERE FOR LOG IN TO &lt;a href=&quot;https://www.irctc.co.in/&quot; target=&quot;_blank&quot;&gt;IRCTC ACCOUNT&lt;/a&gt;&lt;/b&gt;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;b&gt;&amp;nbsp;&lt;/b&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;span style=&quot;font-size: large;&quot;&gt;&lt;span style=&quot;color: #990000;&quot;&gt;&lt;u&gt;Next Generation e - Ticketing Journey Planner&amp;nbsp;&lt;/u&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;color: blue;&quot;&gt;&lt;span style=&quot;font-size: small;&quot;&gt;&lt;b&gt;Login by entering your user name and password.&lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-size: small;&quot;&gt;&lt;b&gt;&lt;span style=&quot;color: blue;&quot;&gt;The &quot;Plan my travel&quot;page appears&lt;/span&gt;.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;ul style=&quot;text-align: left;&quot;&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;If the From/To station selected by
you are correct in the route of the train then:&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Select Ticket type option.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Select the type of Quota.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;You may be redirected to the following page.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Click on class to get availability and fare in desired train.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Availability page appears.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;User will be redirected to Passenger reservation page by pressing Book Now
button.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Ticket reservation page appears; check whether the train name and the station
names displayed on the top of the page are same as desired by you.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Enter the names of the Passengers, age, sex and berth preference for each
Passenger. The maximum length of names should be restricted to 15 characters.
If the Passenger is a senior citizen (60 years and above for male and 58 years and above for female) and
wants to avail Senior Citizens&#39; concession (40% of Base fare for male and 50% of base fare for
female), click the box provided. Senior citizens are requested to carry some
proof of age in original during their journey. A sample form is reproduced
below. (The allotment of your required berth depends on the availability).&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;The ticket details, availability of tickets at the particular time and the
fare, including the service charge, appear on the screen, along with the payment option Follow the
instructions.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;Click on the button &quot;Make Payment&quot; and a pop -up window will give the
list of payment options. Please choose one of the mode of payment. Please click on the payment
option below for help regarding the payment procedure through each of these options.&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;color: #20124d;&quot;&gt;&lt;span style=&quot;font-family: &amp;quot;Calibri&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;&quot;&gt;After successful payment and booking of accommodations, the User is shown the
ticket confirmation details along with a “Print Reservation Slip” Button. On clicking
the button ERS is shown with an option to print.&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;b&gt;&lt;span style=&quot;font-size: large;&quot;&gt;&lt;span style=&quot;color: #990000;&quot;&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt; &lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/5844599056140361480/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/12/irctc-registration-form-how-to-create.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/5844599056140361480'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/5844599056140361480'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/12/irctc-registration-form-how-to-create.html' title='IRCTC Registration form | how to create a new account in irctc.co.in | Indian Railway train seat availablity details | Next Generation e - Ticketing Journey Planner '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-1337069717937171323</id><published>2013-09-30T23:07:00.002-07:00</published><updated>2013-09-30T23:07:22.820-07:00</updated><title type='text'>DCS Careers 2013</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;span style=&quot;color: magenta;&quot;&gt;&lt;b&gt;DCS Careers 2013&lt;/b&gt;&lt;/span&gt;: DCS is the fastest growing software development company in India. DCS area of expertise lies in web development, SEO, web promotion, logo designing, content writing, data entry, copy writing, blog writing. DCS eliminate the boundaries that lie between the client and the quality services.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;span style=&quot;color: magenta;&quot;&gt;(0-1 years) IT – Freshers openings at Bengaluru/ Bangalore, Delhi/ NCR, Hyderabad / Secunderabad, Chennai:&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
DCS is having openings for eligible fresher candidate to work as Software Developer at Bengaluru/Bangalore, Delhi/NCR, Hyderabad / Secunderabad, Chennai. 2013 passed out Graduate and Post Graduate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job summary:&lt;/b&gt;&lt;br /&gt;
Company Name: DCS&lt;br /&gt;
Experience: 0-1 year&lt;br /&gt;
Education: (UG – B.Tech/ B.E.) OR (PG – MCA) OR (Doctorate – Any Doctorate – Any Specialization, Doctorate Not Required)&lt;br /&gt;
Location: Bengaluru/ Bangalore, Delhi/ NCR, Hyderabad / Secunderabad, Chennai,&lt;br /&gt;
Salary: INR 1, 25,000 – 2, 25,000 P.A&lt;br /&gt;
Industry: IT-Software / Software Services&lt;br /&gt;
Role: Software Developer&lt;br /&gt;
Key skills: Fresher, C, C++, 2013 Batch, Trainee, Freshers Software Engineers, Graduate Fresher.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&lt;/b&gt;&lt;br /&gt;
Candidates familiar with Web Development, Live Project Development and 2013 passed out B.E/B.Tech, MCA candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;span style=&quot;color: magenta;&quot;&gt;(0-1 years) C, C++ Developer openings at Chennai, Kolkata, Delhi, Bangalore:&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
DCS is looking for eligible fresher candidate to work as C, C++ Developer at Chennai, Kolkata, Delhi, Bangalore. 2013/2012 passed out Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job summary:&lt;/b&gt;&lt;br /&gt;
Company Name: DCS&lt;br /&gt;
Experience: 0-1 year&lt;br /&gt;
Education: (UG – B.Tech/B.E.) OR (PG – MCA) OR (Doctorate – Any Doctorate – Any Specialization, Doctorate Not Required)&lt;br /&gt;
Location: &amp;nbsp;Chennai, Kolkata, Delhi, Bangalore&lt;br /&gt;
Salary: INR 1, 25,000 – 2, 25,000 P.A&lt;br /&gt;
Industry: IT-Software / Software Services&lt;br /&gt;
Role: Software Developer&lt;br /&gt;
Key skills: Freshers, C, C++, Trainee, Java.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&lt;/b&gt;&lt;br /&gt;
Candidates familiar with Java technologies, &amp;nbsp;C, C++, Web hosting and 2013/2012 passed out B.E/ B.Tech, MCA candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;span style=&quot;color: magenta;&quot;&gt;(0-1 years) Java Developer openings at Bangalore, Delhi, Hyderabad/ Secunderabad, Chennai:&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
DCS is seeking for eligible fresher candidate to work as Java Developer at Bangalore, Delhi, Hyderabad/ Secunderabad, Chennai. 2013/2012 passed out Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job summary:&lt;/b&gt;&lt;br /&gt;
Company Name: DCS&lt;br /&gt;
Experience: 0-1 year&lt;br /&gt;
Education: (UG – B.Tech/B.E. – Any Specialization, Diploma – Any Specialization) OR (PG – MCA – Computers) AND (Doctorate – Any Doctorate – Any Specialization, Doctorate Not Required)&lt;br /&gt;
Location: Bangalore, Delhi, Hyderabad/ Secunderabad, Chennai.&lt;br /&gt;
Salary: INR 1, 25,000 – 2, 25,000 P.A&lt;br /&gt;
Industry: IT-Software / Software Services&lt;br /&gt;
Role: Software Developer&lt;br /&gt;
Key skills: Freshers, Java Developer, Software Engineers, Core Java, J2EE Developer, Java / J2EE developer.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&lt;/b&gt;&lt;br /&gt;
Candidates familiar with Java technologies and 2013/2012 passed out B.E/B.Tech, MCA candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
Contact details:&lt;br /&gt;
Company Name: DCS&lt;br /&gt;
Web Site: www.dcsit.in&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/1337069717937171323/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/dcs-careers-2013.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1337069717937171323'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1337069717937171323'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/dcs-careers-2013.html' title='DCS Careers 2013'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-8019731246735704657</id><published>2013-09-30T22:49:00.004-07:00</published><updated>2013-09-30T22:49:52.260-07:00</updated><title type='text'>Gloscon Solutions Careers 2013</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;b&gt;Gloscon Solutions Careers 2013&lt;/b&gt;: Gloscon Solutions Pvt Limited is growing innovative web-design and development company and expertise in Drupal Services, Ruby on Rails Services, Linux Services and SEO Services. Gloscon is an international company that gives global experience to the employees.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;span style=&quot;color: white;&quot;&gt;&lt;span style=&quot;background-color: magenta;&quot;&gt;(0-3 years) Manual QA Testing Engineer openings at Ahmedabad:&lt;/span&gt;&amp;nbsp;&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
Gloscon Solutions Pvt Limited is looking for fresher candidates to work as Manual QA Testing Engineer at Ahmedabad. Graduate, Post Graduate, Doctorate candidates with aggregate of 60% &amp;nbsp;through out the academics are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job summary:&lt;/b&gt;&lt;br /&gt;
Company Name: Gloscon Solutions Pvt Limited.&lt;br /&gt;
Experience: 0-3 years&lt;br /&gt;
Education: (UG – Any Graduate – Any Specialization, Graduation Not Required) AND (PG – Any Postgraduate – Any Specialization, Post Graduation Not Required) AND ( Doctorate – Any Doctorate – Any Specialization, Doctorate Not Required)&lt;br /&gt;
Location: Ahmedabad&lt;br /&gt;
Industry: IT Software, Software Services&lt;br /&gt;
Role: Testing Engineer&lt;br /&gt;
Key skills: IT Software – QA &amp;amp; Testing, Quality Assurance/ Testing, Quality Checking, Quality Testing, Quality Assurance Testing, Quality Monitoring, QA/ QC, Quality Control, Quality Analyst.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&lt;/b&gt;&lt;br /&gt;
Candidate aware of report defects with screenshots, videos, manual testing of website, automation of certain sections using selenium, write test cases, business analysis. Communicate with US client, good communication skills are required.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Contact details:&lt;/b&gt;&lt;br /&gt;
Company Name: &lt;span style=&quot;color: magenta;&quot;&gt;Gloscon Solutions Pvt Limited&lt;/span&gt;&lt;br /&gt;
Website: www.gloscon.com&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/8019731246735704657/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/gloscon-solutions-careers-2013.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8019731246735704657'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8019731246735704657'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/gloscon-solutions-careers-2013.html' title='Gloscon Solutions Careers 2013'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-4751864281934805347</id><published>2013-09-30T22:36:00.001-07:00</published><updated>2013-09-30T22:36:22.151-07:00</updated><title type='text'>NS Group Careers 2013</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
NS Group Careers 2013: NS Group is a leading software company into development of various leading portals. It has received a quality award as recognitions for its high-standard processes. Rapid and reliable deliveries to major corporations, which had a need for comprehensive machining expertise, formed the point of departure for the firm’s activities. The level of requirements and the equipment investments needed to meet them have been increasing constantly, but Ns Group have been able to enhance the efficiency of operations without compromising on quality.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;(0-1 years) Jr Php Developer openings at Bangalore, Chennai, Hyderabad/ &amp;nbsp;Secunderabad:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
NS Group is requiring the fresher candidates for filling the vacancies of Jr Php Developer to work at different locations like Bangalore, Chennai, Hyderabad and Secunderabad. &amp;nbsp;Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
Candidate is self-starter, highly motivated, proactive – consistently demonstrates ability to take initiative, work in a high-energy, fast paced environment Dynamic and static web site construction (HTML/XHTML/XML), basic Photoshop skills, ensure cross-browser compatibility and identify and resolve bugs where required&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;(0-1 years) Software Engineer- Fresher openings at Bangalore, Chennai, Hyderabad/ Secunderabad:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
NS Group is requiring the fresher candidates for filling the vacancies of Software Engineer to work at different locations like Bangalore, Chennai, Hyderabad and Secunderabad. Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
Candidate having knowledge on Objected Oriented Programming Concepts (Objects and Classes, Encapsulation, Polymorphism, Inheritance), Core Java (Data Types, Programming Constructs, Error handling with Exceptions), Servlets/ JSP, Struts.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;(0-1 years) Mainframe Developer openings at Bangalore, Chennai, Hyderabad/ Secunderabad:&lt;/b&gt;&lt;br /&gt;
NS Group is required fresher candidates for filling the vacancies of Mainframe Developer to work at different locations like Bangalore, Chennai, Hyderabad and Secunderabad. Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
Candidate possessing experience in development, support and analysis role on Mainframe Environments, REXX, Stored Procedures and JCL Utilities. proficient in COBOL, JCL, DB2, CICS, design concepts and SDLC.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;(0-1 years) C#, Asp.Net – Software Developer openings at Bangalore, Chennai, Hyderabad/ Secunderabad:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
NS Group is seeking for the fresher candidates for filling the vacancies of C#, Asp.Net Developer to work at different locations like Bangalore, Chennai, Hyderabad and Secunderabad. Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&lt;/b&gt;&lt;br /&gt;
Candidate possessing experience with n tier architecture / MVC architecture, Visual Studio 2005 / 2008, VSTS, Distributed Application , .Net Remoting , WCF and Design Patterns,. Experience and knowledge in Visual Studio Extensibility is a plus.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;(0-1 years) QA Test Engineer openings at Bangalore, Chennai, Hyderabad/ Secunderabad:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
NS Group is requiring the fresher candidates for filling the vacancies of QA Test Engineer to work at different locations like Bangalore, Chennai, Hyderabad and Secunderabad. Graduate, Post Graduate, Doctorate candidates are eligible.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Job description:&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
Candidate having experience in Manual Testing, STLC, Capital Financial, Fix Protocol.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/4751864281934805347/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/ns-group-careers-2013.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4751864281934805347'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4751864281934805347'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/ns-group-careers-2013.html' title='NS Group Careers 2013'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-7948005080933108016</id><published>2013-09-29T12:11:00.002-07:00</published><updated>2013-09-29T12:11:21.832-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'>Additional Benefits of Health Insurance Plans </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Insurers
provide certain benefits. These benefits include the:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Carry-over
provision&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Lifetime
maximum and benefit maximum&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Three-tier
benefit plan&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
&lt;h2&gt;
&lt;a href=&quot;&quot; name=&quot;_Toc216776995&quot;&gt;&lt;/a&gt;&lt;a href=&quot;&quot; name=&quot;_Toc196557828&quot;&gt;Carry-over provision&lt;/a&gt;&lt;/h2&gt;
&lt;h2&gt;
&lt;span style=&quot;font-family: Wingdings; font-size: 7pt;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;font-family: Arial, sans-serif; font-size: 10pt; font-weight: normal;&quot;&gt;Carry-over
provision is an optional benefit that allows any amount paid toward OOP in the
last quarter of the year to be applied toward OOP for the next plan year.&lt;/span&gt;&lt;/h2&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;b style=&quot;text-indent: 0in;&quot;&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Example of carry-over&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in; tab-stops: .5in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Sam has a health
insurance plan, which specifies that his OOP limit for a year is $1200. He has
not availed any benefits under the health insurance plan for the first nine
months. However, toward the end of the year, he falls ill and pays $200 that is
part of his OOP. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in; tab-stops: .5in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in; tab-stops: .5in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;The carry-over
provision of health insurance plan ensures that next year when Sam renews his
policy, the OOP limit will be reduced by $200. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in; tab-stops: .5in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.5in; mso-list: l1 level3 lfo3; tab-stops: .5in list 1.5in; text-indent: -.25in;&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;Ø&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;New
OOP limit for next year= OOP limit – Amount paid toward OOP in the last quarter
of the previous policy year&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.25in; tab-stops: .5in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.5in; mso-list: l1 level3 lfo3; tab-stops: .5in list 1.5in; text-indent: -.25in;&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 10.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;Ø&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Sam’s
new OOP limit= $1200-$200 = &lt;b&gt;$1000&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;



























&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype
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 path=&quot;m@4@5l@4@11@9@11@9@5xe&quot; filled=&quot;f&quot; stroked=&quot;f&quot;&gt;
 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
 &lt;v:formulas&gt;
  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @2 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 0 1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @6 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;sum @8 21600 0&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&amp;nbsp;&lt;b&gt;At
UHG, the internet Benefit at a Glance (iBAAG) department validates if a member
is eligible for the carry-over provision.&lt;/b&gt;&amp;nbsp;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
&lt;h2&gt;
&lt;a href=&quot;&quot; name=&quot;_Toc216776996&quot;&gt;&lt;/a&gt;&lt;a href=&quot;&quot; name=&quot;_Toc196557829&quot;&gt;Lifetime Maximum and Benefit
Maximum&lt;/a&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/h2&gt;
&lt;h2&gt;
&lt;span style=&quot;font-family: Wingdings; font-size: 7pt;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&lt;span style=&quot;font-weight: normal;&quot;&gt;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;font-family: Arial, sans-serif; font-size: 10pt; font-weight: normal;&quot;&gt;Benefit
Maximum and Lifetime Maximum: Another benefit provided by insurers is benefit
maximum and lifetime maximum. Benefit maximum is associated with the maximum
benefit for a year and lifetime maximum for the entire life. Lifetime maximum
is the limit on the total amount that an insurer pays to a member. A typical lifetime
maximum is $1,000,000. However, some policies have an unlimited lifetime
maximum.&lt;/span&gt;&lt;/h2&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Lifetime
maximum can be applied as an overall limitation or to specific conditions. It
can also be applied on an all cause or a per cause basis.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;All cause maximum&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: The lifetime &#39;all
cause&#39; maximum covers all covered expenses during the entire period of coverage
for all diagnosis. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .25in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;















&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Per cause maximum&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: The lifetime &#39;per
cause&#39; maximum applies to each covered service which is taken by the member.
For example, a member who is receiving benefits under a per cause plan for the
treatment of both diabetes and a heart condition avails a separate maximum
benefit amount for each illness.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;b&gt;&lt;a href=&quot;&quot; name=&quot;_Toc216776998&quot;&gt;&lt;/a&gt;&lt;a href=&quot;&quot; name=&quot;_Toc216776997&quot;&gt;&lt;/a&gt;&lt;a href=&quot;&quot; name=&quot;_Toc196557831&quot;&gt;&lt;/a&gt;&lt;span style=&quot;font-family: &#39;Times New Roman&#39;, serif; font-size: 12pt;&quot;&gt;Three-tier benefit Plan&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt; &lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSv54sCts7PecgxWEhjPZLEnGayqeAUd83qLPOiqalocO4DmG1zR2z2nkXO2K-IZJ_Gl2FJ5PPSkHN1xn7ftiRYABoqezaSIc_7Em6F9dXioJf3fvVQwZRLLTaSFa31pxJ26Hrup1pIovT/s1600/RSS+Infosystems1.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;105&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSv54sCts7PecgxWEhjPZLEnGayqeAUd83qLPOiqalocO4DmG1zR2z2nkXO2K-IZJ_Gl2FJ5PPSkHN1xn7ftiRYABoqezaSIc_7Em6F9dXioJf3fvVQwZRLLTaSFa31pxJ26Hrup1pIovT/s400/RSS+Infosystems1.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &#39;Times New Roman&#39;, serif; font-size: 12pt;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Three-tier
benefit plan: Under the three-tier benefit plan, self-funded groups provide
different benefits levels to their employees.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Three-tier
benefit plan is designed for self-funded groups that are into the business of
healthcare service, such as hospitals and skilled nursing facilities (SNF).
These self-funded groups take help of insurance companies, which act like third
party administrator (TPA) for self-funded groups. These TPA’s process all
claims on behalf of the self-funded groups. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Benefits
available at various tiers in three- tier benefit plan.&amp;nbsp; &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Tier-one&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: Tier-one is
applicable to employees who seek services in hospitals and medical facilities
owned by their employers. This also includes employer groups’ affiliated
physicians and related healthcare professionals. Tier-one provides the highest
cost coverage. This means that if employees receive care at the employer’s
facilities, the employer provides them the incentive of paying very less OOP
expenses.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Tier-two&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: Tier-two is
applicable to employees who seek medical services at a facility, which is not
owned by the employer but is part of the TPA’s network. The member expenses for
tier-two will be higher as compared to tier-one.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;













&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Tier-three&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: Tier-three is
applicable to employees who seek medical services from facilities or
professionals who are not part of the employer group or the TPA’s network. The
member expense is highest in this tier.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/7948005080933108016/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/additional-benefits-of-health-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/7948005080933108016'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/7948005080933108016'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/additional-benefits-of-health-insurance.html' title='Additional Benefits of Health Insurance Plans '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSv54sCts7PecgxWEhjPZLEnGayqeAUd83qLPOiqalocO4DmG1zR2z2nkXO2K-IZJ_Gl2FJ5PPSkHN1xn7ftiRYABoqezaSIc_7Em6F9dXioJf3fvVQwZRLLTaSFa31pxJ26Hrup1pIovT/s72-c/RSS+Infosystems1.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-2128907291467352491</id><published>2013-09-29T12:04:00.002-07:00</published><updated>2013-09-29T12:04:25.853-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'> OOP </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Health
insurance plan defines an upper limit for the member expenses. This limit is
called Out-of-Pocket (OOP). OOP is a combination of deductible, copay, and coinsurance.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;After
the OOP limit for a plan year is met, the member will not pay anything up till
benefit maximum limit. The insurer will pay the medical expenses at 100%. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;For
example, Jim has a health insurance plan that specifies his maximum OOP as
$2000 in a calendar year. He has paid this OOP expense by June. This means that
for the remainder of the year if he has any covered medical expense, the
insurer will pay the entire amount.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;&lt;b&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype id=&quot;_x0000_t75&quot;
 coordsize=&quot;21600,21600&quot; o:spt=&quot;75&quot; o:preferrelative=&quot;t&quot; path=&quot;m@4@5l@4@11@9@11@9@5xe&quot;
 filled=&quot;f&quot; stroked=&quot;f&quot;&gt;
 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
 &lt;v:formulas&gt;
  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @2 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 0 1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @6 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;sum @8 21600 0&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&amp;nbsp;Plans
can be written to contain both individual and family OOP maximums&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;&lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/span&gt;
&lt;br /&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480;&quot;&gt;
 &lt;tbody&gt;
&lt;tr&gt;
  &lt;td style=&quot;border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 6.15in;&quot; valign=&quot;top&quot; width=&quot;590&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise
  1:&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;
  Calculate the amount paid by a member in the following scenario: &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;b&gt;Billed
  Amount&lt;/b&gt;: $3000&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Deductible&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:  $&lt;/span&gt;500&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Copay&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;$0&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Coinsurance&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;30%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;OOP&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;$700&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 6.15in;&quot; valign=&quot;top&quot; width=&quot;590&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise &lt;/span&gt;&lt;/b&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;2: &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Calculate the amount paid by a member in the following
  scenario:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Jennifer
  gets an asthma attack. She goes to the &lt;st1:place w:st=&quot;on&quot;&gt;&lt;st1:placename w:st=&quot;on&quot;&gt;Cleveland&lt;/st1:placename&gt; &lt;st1:placetype w:st=&quot;on&quot;&gt;Hospital&lt;/st1:placetype&gt;&lt;/st1:place&gt;
  for treatment. In her previous visit, she was also advised to get her
  diabetes checked. Copay for asthma is $10 and for diabetes is $15. However,
  the billed amount for asthma is $120. How much copay would Jennifer pay?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 6.15in;&quot; valign=&quot;top&quot; width=&quot;590&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise
  &lt;/span&gt;&lt;/b&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;3:
  &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Calculate the amount paid by the
  customer in the following scenario:&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&amp;nbsp;&amp;nbsp; &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .25in; text-align: justify;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;b&gt;Billed Amount&lt;/b&gt;:&lt;b&gt; &lt;/b&gt;$5000&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Deductible&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;$800 (300
  met)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Copay&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;$150&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .75in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Coinsurance&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;40%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 142.8pt; text-align: justify; text-indent: -88.8pt;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;OOP&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;:&lt;b&gt; &lt;/b&gt;$2500&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 6.15in;&quot; valign=&quot;top&quot; width=&quot;590&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .05in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise&lt;/span&gt;&lt;/b&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt; 4:&lt;/span&gt;&lt;/b&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt; &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Justin goes out of town for a business trip to &lt;st1:place w:st=&quot;on&quot;&gt;&lt;st1:state w:st=&quot;on&quot;&gt;New York&lt;/st1:state&gt;&lt;/st1:place&gt;. He
  experiences chest pain in the morning and decides to see a doctor. Justin
  uses an ambulance to go the hospital. The ambulance service costs him
  $300.The hospital that Justin visits is a non-network hospital, according to
  his insurance plan. He meets Dr. Wilson at the hospital who suggests surgery
  and some lab tests. &lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;The
  cost of the surgery is $4000.&lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;The lab tests, &lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;which were
  conducted in an out-of network independent lab, costs $600. After returning to
  his home town, Justin gets admitted in a network hospital costing $2000.
  Then, he takes some medicines from in network drug store &amp;nbsp;costing him $800.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;The various healthcare expenses as offered
  by Justin’s plan are: &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Deductible&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: $600&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
  for In-network Facility&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: 10%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
  for Out-network Facility&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: 30%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
  for In-network Physician&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: 20%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
  for Out-network Physician&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: 40%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;OOP&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;: $3000&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;How much does Justin need to pay before he
  reaches the maximum OOP limit?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;div&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;b&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype
 id=&quot;_x0000_t75&quot; coordsize=&quot;21600,21600&quot; o:spt=&quot;75&quot; o:preferrelative=&quot;t&quot;
 path=&quot;m@4@5l@4@11@9@11@9@5xe&quot; filled=&quot;f&quot; stroked=&quot;f&quot;&gt;
 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
 &lt;v:formulas&gt;
  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @2 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 0 1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @6 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;sum @8 21600 0&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&amp;nbsp;When
calculating the final payable amount, the different member expenses are applied
in the following sequence:&lt;o:p&gt;&lt;/o:p&gt;&lt;/b&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;ol start=&quot;1&quot; style=&quot;margin-top: 0in;&quot; type=&quot;1&quot;&gt;
&lt;li class=&quot;MsoNormal&quot;&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Deductible&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/li&gt;
&lt;li class=&quot;MsoNormal&quot;&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Copay &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/li&gt;
&lt;li class=&quot;MsoNormal&quot;&gt;&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/li&gt;
&lt;/ol&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/2128907291467352491/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/oop.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2128907291467352491'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2128907291467352491'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/oop.html' title=' OOP '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-2794932119594077321</id><published>2013-09-29T11:58:00.002-07:00</published><updated>2013-09-29T11:59:48.559-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'>Deductible</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-weight: bold;&quot;&gt;Deductible&lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt; is the annual fixed amount that a member
must pay before benefits are payable. The
amount of deductible varies according to the plan options opted by a member.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Like
copay, deductible is also not applicable to all services. It may be applicable
only on certain services. For example, it may be applicable for a regular
physician visit and not on emergency services.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;a href=&quot;http://www.blogger.com/blogger.g?blogID=2717124265992280546&quot; name=&quot;_Toc196557825&quot;&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Typically, each member covered under a plan
has their own deductible to meet. Many policies also have family deductibles
that offer a break to larger families. A family deductible can be met together
instead of each person meeting their individual deductible.&lt;/span&gt;&lt;/a&gt;&lt;b&gt;&lt;span style=&quot;font-size: 10.0pt; mso-bidi-font-family: Arial;&quot;&gt;&lt;br /&gt;
&lt;!--[if !supportLineBreakNewLine]--&gt;&lt;br /&gt;
&lt;!--[endif]--&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;b&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype id=&quot;_x0000_t75&quot;
 coordsize=&quot;21600,21600&quot; o:spt=&quot;75&quot; o:preferrelative=&quot;t&quot; path=&quot;m@4@5l@4@11@9@11@9@5xe&quot;
 filled=&quot;f&quot; stroked=&quot;f&quot;&gt;
 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
 &lt;v:formulas&gt;
  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @2 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 0 1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @6 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;sum @8 21600 0&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&amp;nbsp;If a
plan offers both coinsurance and deductible, first deductible is deducted from
the billed amount. Thereafter, coinsurance is deducted from the remaining
billed amount.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/span&gt;
&lt;/div&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; margin-left: 1.0in; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480; width: 354px;&quot;&gt;
 &lt;tbody&gt;
&lt;tr style=&quot;height: 74.25pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;&quot;&gt;
  &lt;td style=&quot;border: solid windowtext 1.0pt; height: 74.25pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 265.4pt;&quot; valign=&quot;top&quot; width=&quot;354&quot;&gt;&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise
  for deductible &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Question&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt; Eric falls off the roof and is
  taken to the hospital by ambulance. The ambulance service costs him $500.
  Eric is covered under a health insurance plan that has $150 deductible and
  80:20 coinsurance. How much amount does Eric need to pay?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/2794932119594077321/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/deductible.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2794932119594077321'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2794932119594077321'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/deductible.html' title='Deductible'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-1179043861125553186</id><published>2013-09-29T11:53:00.002-07:00</published><updated>2013-09-29T11:53:36.253-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'>Coinsurance</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;br /&gt;&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
is the percentage of the allowable expense borne by a member. The remaining
percentage of the allowable expense is borne by the insurer. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;margin-left: 1.0in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Coinsurance
is, typically, referenced as the ratio of the percentage of expenses borne by
the insurer and the member. &lt;i&gt;For example, &lt;a href=&quot;&quot; name=&quot;OLE_LINK2&quot;&gt;&lt;/a&gt;&lt;a href=&quot;&quot; name=&quot;OLE_LINK1&quot;&gt;if
coinsurance for a plan is 80:20&lt;/a&gt;, this means that 80% of the expenses
will be paid by the insurer whereas 20% will be paid by the member.&lt;/i&gt; &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot; style=&quot;mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;The coinsurance amount varies across health
insurance plans. There are several types of coinsurance amounts that can be
applied depending on the type of health insurance plan and the provider.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;table border=&quot;0&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;margin-left: 87.75pt; mso-cellspacing: 0in; mso-padding-alt: 0in 0in 0in 0in; width: 405px;&quot;&gt;
 &lt;tbody&gt;
&lt;tr style=&quot;height: 17.45pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;&quot;&gt;
  &lt;td style=&quot;background: #00CCFF; border-bottom: 1.0pt; border-color: black; border-left: 1.5pt; border-right: 1.0pt; border-style: solid; border-top: 1.5pt; height: 17.45pt; mso-border-bottom-alt: .75pt; mso-border-color-alt: black; mso-border-left-alt: 1.5pt; mso-border-right-alt: .75pt; mso-border-style-alt: solid; mso-border-top-alt: 1.5pt; padding: 0in 0in 0in 0in; width: 136.05pt;&quot; valign=&quot;top&quot; width=&quot;181&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Type of Provider&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;background: #00CCFF; border-top: solid black 1.5pt; border: solid black 1.0pt; height: 17.45pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 1.15in;&quot; valign=&quot;top&quot; width=&quot;110&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Member %&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;background: #00CCFF; border-bottom: 1.0pt; border-color: black; border-left: 1.0pt; border-right: 1.5pt; border-style: solid; border-top: 1.5pt; height: 17.45pt; mso-border-bottom-alt: .75pt; mso-border-color-alt: black; mso-border-left-alt: .75pt; mso-border-right-alt: 1.5pt; mso-border-style-alt: solid; mso-border-top-alt: 1.5pt; padding: 0in 0in 0in 0in; width: 85.2pt;&quot; valign=&quot;top&quot; width=&quot;114&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Insurer %&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 27.0pt; mso-yfti-irow: 1;&quot;&gt;
  &lt;td style=&quot;border-left: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 136.05pt;&quot; valign=&quot;top&quot; width=&quot;181&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 8.4pt;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;In-network physician &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; padding: 0in 0in 0in 0in; width: 1.15in;&quot; valign=&quot;top&quot; width=&quot;110&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;20%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-right: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-right-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 85.2pt;&quot; valign=&quot;top&quot; width=&quot;114&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;80%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 27.0pt; mso-yfti-irow: 2;&quot;&gt;
  &lt;td style=&quot;border-left: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 136.05pt;&quot; valign=&quot;top&quot; width=&quot;181&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 8.4pt;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Out-of-network physician &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; padding: 0in 0in 0in 0in; width: 1.15in;&quot; valign=&quot;top&quot; width=&quot;110&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;40%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-right: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-right-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 85.2pt;&quot; valign=&quot;top&quot; width=&quot;114&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;60%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 27.0pt; mso-yfti-irow: 3;&quot;&gt;
  &lt;td style=&quot;border-left: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 136.05pt;&quot; valign=&quot;top&quot; width=&quot;181&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 8.4pt;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;In-network hospital &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; padding: 0in 0in 0in 0in; width: 1.15in;&quot; valign=&quot;top&quot; width=&quot;110&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;10%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-right: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-right-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 85.2pt;&quot; valign=&quot;top&quot; width=&quot;114&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;90%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 27.0pt; mso-yfti-irow: 4; mso-yfti-lastrow: yes;&quot;&gt;
  &lt;td style=&quot;border-bottom: 1.5pt; border-color: black; border-left: 1.5pt; border-right: 1.0pt; border-style: solid; border-top: 1.0pt; height: 27.0pt; mso-border-bottom-alt: 1.5pt; mso-border-color-alt: black; mso-border-left-alt: 1.5pt; mso-border-right-alt: .75pt; mso-border-style-alt: solid; mso-border-top-alt: .75pt; padding: 0in 0in 0in 0in; width: 136.05pt;&quot; valign=&quot;top&quot; width=&quot;181&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 8.4pt;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Out-of-network hospital &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid black 1.5pt; border: solid black 1.0pt; height: 27.0pt; mso-border-alt: solid black .75pt; mso-border-bottom-alt: solid black 1.5pt; padding: 0in 0in 0in 0in; width: 1.15in;&quot; valign=&quot;top&quot; width=&quot;110&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;30%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: 1.5pt; border-color: black; border-left: 1.0pt; border-right: 1.5pt; border-style: solid; border-top: 1.0pt; height: 27.0pt; mso-border-bottom-alt: 1.5pt; mso-border-color-alt: black; mso-border-left-alt: .75pt; mso-border-right-alt: 1.5pt; mso-border-style-alt: solid; mso-border-top-alt: .75pt; padding: 0in 0in 0in 0in; width: 85.2pt;&quot; valign=&quot;top&quot; width=&quot;114&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;70%&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: 1.0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype id=&quot;_x0000_t75&quot;
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 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
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  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
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  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&amp;nbsp;A
member always pays the smaller share and the larger share is paid by the
insurer. Additionally, coinsurance is applicable on every service that is
mentioned in a plan.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; margin-left: 34.1pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480; width: 486px;&quot;&gt;
 &lt;tbody&gt;
&lt;tr style=&quot;height: 59.9pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;&quot;&gt;
  &lt;td style=&quot;border: solid windowtext 1.0pt; height: 59.9pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 364.65pt;&quot; valign=&quot;top&quot; width=&quot;486&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise
  of coinsurance&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Question: &lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Sally is
  hospitalized for an injury. Sally has an 80:20 coinsurance plan. The hospital
  stay costs $1,000. What will Sally pay in this case?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; width: 590px;&quot;&gt;&lt;tbody&gt;
&lt;tr&gt;&lt;td style=&quot;border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 6.15in;&quot; valign=&quot;top&quot; width=&quot;590&quot;&gt;&lt;br /&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/1179043861125553186/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/coinsurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1179043861125553186'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1179043861125553186'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/coinsurance.html' title='Coinsurance'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-3072136412291940092</id><published>2013-09-29T11:50:00.002-07:00</published><updated>2013-09-29T11:57:15.962-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'>Copay</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Copay
is a fee, usually a small amount, paid by a member to the provider for expenses
incurred at a medical facility, such as a physician&#39;s office or an outpatient
hospital. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-bidi-font-weight: bold;&quot;&gt;The amount of copay
applicable on a service depends on the plan, type of service rendered, and &lt;/span&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;who is rendering the
service. This table lists some of the services and their respective copay
amount. &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; margin-left: .7in; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480; width: 403px;&quot;&gt;
 &lt;tbody&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;&quot;&gt;
  &lt;td style=&quot;background: silver; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Services&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;background: silver; border-left: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Amount of Copay&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 11.3pt; mso-yfti-irow: 1;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 11.3pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Primary care
  physician (PCP) visits&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 11.3pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$20&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 2;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Covering physician&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$20&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 3;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Specialist visits&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$30&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 4;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;In-network physical
  therapy&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$20&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 5;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;In-network
  chiropractic&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$20&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 6;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Urgent care center&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$40&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;tr style=&quot;height: 13.55pt; mso-yfti-irow: 7; mso-yfti-lastrow: yes;&quot;&gt;
  &lt;td style=&quot;border-top: none; border: solid windowtext 1.0pt; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 2.1in;&quot; valign=&quot;top&quot; width=&quot;202&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Emergency room&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
  &lt;td style=&quot;border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 13.55pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 151.0pt;&quot; valign=&quot;top&quot; width=&quot;201&quot;&gt;
  &lt;div align=&quot;center&quot; class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;$50&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype id=&quot;_x0000_t75&quot;
 coordsize=&quot;21600,21600&quot; o:spt=&quot;75&quot; o:preferrelative=&quot;t&quot; path=&quot;m@4@5l@4@11@9@11@9@5xe&quot;
 filled=&quot;f&quot; stroked=&quot;f&quot;&gt;
 &lt;v:stroke joinstyle=&quot;miter&quot;/&gt;
 &lt;v:formulas&gt;
  &lt;v:f eqn=&quot;if lineDrawn pixelLineWidth 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 1 0&quot;/&gt;
  &lt;v:f eqn=&quot;sum 0 0 @1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @2 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;prod @3 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @0 0 1&quot;/&gt;
  &lt;v:f eqn=&quot;prod @6 1 2&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelWidth&quot;/&gt;
  &lt;v:f eqn=&quot;sum @8 21600 0&quot;/&gt;
  &lt;v:f eqn=&quot;prod @7 21600 pixelHeight&quot;/&gt;
  &lt;v:f eqn=&quot;sum @10 21600 0&quot;/&gt;
 &lt;/v:formulas&gt;
 &lt;v:path o:extrusionok=&quot;f&quot; gradientshapeok=&quot;t&quot; o:connecttype=&quot;rect&quot;/&gt;
 &lt;o:lock v:ext=&quot;edit&quot; aspectratio=&quot;t&quot;/&gt;
&lt;/v:shapetype&gt;&lt;v:shape id=&quot;_x0000_i1025&quot; type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;
 height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;The&lt;b&gt; &lt;/b&gt;amount
of copay, displayed in the table, is indicative and the actual amount will vary
depending on the type of plan.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;margin-left: .7in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shape id=&quot;_x0000_i1026&quot;
 type=&quot;#_x0000_t75&quot; style=&#39;width:30.75pt;height:26.25pt&#39;&gt;
 &lt;v:imagedata src=&quot;file:///C:\Users\SHALINI\AppData\Local\Temp\msohtmlclip1\01\clip_image001.png&quot;
  o:href=&quot;http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/Nuvola_apps_important.svg/600px-Nuvola_apps_important.svg.png&quot;/&gt;
&lt;/v:shape&gt;&lt;![endif]--&gt;&lt;!--[if !vml]--&gt;&lt;!--[endif]--&gt;&lt;b&gt;&amp;nbsp;&lt;/b&gt;Copay for each service needs to be paid
separately.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;



















&lt;/div&gt;
&lt;table border=&quot;1&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; class=&quot;MsoNormalTable&quot; style=&quot;border-collapse: collapse; border: none; margin-left: 52.1pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480; width: 438px;&quot;&gt;
 &lt;tbody&gt;
&lt;tr style=&quot;height: 139.5pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;&quot;&gt;
  &lt;td style=&quot;border: solid windowtext 1.0pt; height: 139.5pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 328.55pt;&quot; valign=&quot;top&quot; width=&quot;438&quot;&gt;
  &lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Exercise for copay&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Question:&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt; Sam has contracted an eye infection
  and is visiting Dr. Richard Dearden in this regard. Dr. Dearden examines Sam
  and prescribes an antibiotic. For the services rendered, Dr. Dearden charges
  $30. If $10 is the copay amount provided by Sam’s health insurance plan, what
  amount needs to be paid by Sam and the insurer?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;tab-stops: .5in; text-align: justify;&quot;&gt;
&lt;b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Question:&lt;/span&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt; It’s been a week
  since Sam’s last diagnosis and he is again visiting his primary care
  physician (PCP) today. The PCP examines Sam’s infected eye and informs him
  that the infection is cured. The PCP charges $10. Considering that Sam’s plan
  has s a copay of $10, what amount needs to be paid by Sam and the insurer?&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot; style=&quot;text-align: justify;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;/td&gt;
 &lt;/tr&gt;
&lt;/tbody&gt;&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/3072136412291940092/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/copay.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/3072136412291940092'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/3072136412291940092'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/copay.html' title='Copay'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-6476485499823614599</id><published>2013-09-29T11:47:00.000-07:00</published><updated>2013-09-29T11:47:03.589-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Health care"/><title type='text'>Health Insurance Expenses and Benefits </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgspeGTiz2Kz1WQxZDxSR63KTLfy46no_8wGDFcje5Xq5G8W9TNQf5hOoyIc7LjeMKyLTScvyytGTbAnHXo6jQgP6tZbA_I16xg0jm9kr-fV1vIYAW6FMWZUiDh1QhOtOc46cZBKnqkAnBO/s1600/RSS+Infosystems.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;260&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgspeGTiz2Kz1WQxZDxSR63KTLfy46no_8wGDFcje5Xq5G8W9TNQf5hOoyIc7LjeMKyLTScvyytGTbAnHXo6jQgP6tZbA_I16xg0jm9kr-fV1vIYAW6FMWZUiDh1QhOtOc46cZBKnqkAnBO/s400/RSS+Infosystems.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot; style=&quot;margin-left: .7in; mso-list: none; tab-stops: .5in; text-indent: 0in;&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;After
completing the &lt;i&gt;Health Insurance Expenses
and Benefits&lt;/i&gt; module, you should be able to:&amp;nbsp;
&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Define
copay, coinsurance, and deductible &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Define
the out-of-pocket (OOP) limit&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Calculate
member expenses in specific scenarios&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;









&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;&quot;&gt;·&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Describe
the carry-over provision, benefit maximum, lifetime maximum, and three-tier
benefit plan&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;b&gt;&lt;a href=&quot;&quot; name=&quot;_Toc216776989&quot;&gt;&lt;/a&gt;&lt;i&gt;&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;Healthcare
Related Expenses&lt;/span&gt;&lt;/i&gt;&lt;/b&gt;&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt; &lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;b&gt;&lt;i&gt;&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/i&gt;&lt;/b&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9V9DHfEAg9TDNFppCoZuHGNjLtRwnKt3RyknPgAjQgEiMro5wZvX0dmcFE1GaUwq2O695JGQH3ykY2dDtTloO4gBUQOxhbfKFoPyYVJx3-niqNP-xFEcrqSHdT6QpCLFeUizm8ZaZoCrr/s1600/RSS+Infosystems.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;324&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9V9DHfEAg9TDNFppCoZuHGNjLtRwnKt3RyknPgAjQgEiMro5wZvX0dmcFE1GaUwq2O695JGQH3ykY2dDtTloO4gBUQOxhbfKFoPyYVJx3-niqNP-xFEcrqSHdT6QpCLFeUizm8ZaZoCrr/s400/RSS+Infosystems.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;Under
insurance, members are guaranteed compensation for losses. For this, members
need to pay the &lt;b&gt;premium&lt;/b&gt; as specified
in the insurance contract.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;

&lt;/div&gt;
&lt;div class=&quot;Bullet1&quot;&gt;
&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: Wingdings; font-size: 7.0pt; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;&quot;&gt;n&lt;span style=&quot;font-family: &#39;Times New Roman&#39;; font-size: 7pt;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt;&quot;&gt;In
addition to the premium, members may be required to pay some additional
expenses when they avail medical facilities. These expenses include copay,
coinsurance, and deductible.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class=&quot;Bullet2&quot;&gt;
&lt;b&gt;&lt;i&gt;&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/i&gt;&lt;/b&gt;&lt;/div&gt;
&lt;span style=&quot;font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-font-size: 12.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; mso-fareast-language: EN-US;&quot;&gt;&lt;!--[if gte vml 1]&gt;&lt;v:shapetype
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</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/6476485499823614599/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/health-insurance-expenses-and-benefits.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6476485499823614599'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6476485499823614599'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/health-insurance-expenses-and-benefits.html' title='Health Insurance Expenses and Benefits '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgspeGTiz2Kz1WQxZDxSR63KTLfy46no_8wGDFcje5Xq5G8W9TNQf5hOoyIc7LjeMKyLTScvyytGTbAnHXo6jQgP6tZbA_I16xg0jm9kr-fV1vIYAW6FMWZUiDh1QhOtOc46cZBKnqkAnBO/s72-c/RSS+Infosystems.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-6552110523652870036</id><published>2013-09-27T13:29:00.004-07:00</published><updated>2013-09-27T13:29:50.915-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Latest News"/><title type='text'>HCL Technologies arm wins multi-million dollar deal from WyCAN Consortium</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
HCL America Inc (HCLA), a fully owned subsidiary of leading global IT services company HCL Technologies Ltd.,
 announced today that it has won a multi-year, multi-million dollar deal
 with the WyCAN Consortium, a group of states including Arizona, 
Colorado, North Dakota and Wyoming. HCLA will enable WyCAN to 
significantly improve services for its Unemployment Insurance (UI) 
modernization program, which is one of the largest such programs in the 
US providing critical income to millions of unemployed Americans.&lt;br /&gt;
&lt;br /&gt;
HCLA was selected through a highly competitive process where it 
demonstrated its unique and effective managed cloud-as-a-service 
solution called iGOVERN. HCL‘s solution expertise will be used to 
deliver and support WYCAN‘s unemployment insurance (UI) tax and benefit 
systems and transform it into an integrated claimant and employer 
focused, self assisted service channe&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/6552110523652870036/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/hcl-technologies-arm-wins-multi-million.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6552110523652870036'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6552110523652870036'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/hcl-technologies-arm-wins-multi-million.html' title='HCL Technologies arm wins multi-million dollar deal from WyCAN Consortium'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-8037380130504221102</id><published>2013-09-27T13:28:00.004-07:00</published><updated>2013-09-27T13:28:52.280-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Latest News"/><title type='text'>Financial Tech asks for investors support</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;b&gt;Financial Technologies (India) Ltd&lt;/b&gt;, promoter of National Spot Exchange Ltd (NSEL), reportedly asked for support from the government and investors over the current phase. At the company&#39;s annual general meeting, Jignesh Shah, chairman, said that he was attending an AGM after a few years to show his&amp;nbsp; commitment to the shareholders. “We understand the pain of the investors and I am going to have a dialogue with the NSEL Investors Forum,” Shah said. Shah urged the investors forum to work with the company. The company would work to entire capacity after those which had actually taken the money in the current crisis, shah reported.&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/8037380130504221102/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/financial-tech-asks-for-investors.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8037380130504221102'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8037380130504221102'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/financial-tech-asks-for-investors.html' title='Financial Tech asks for investors support'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-537806466188942395</id><published>2013-09-27T13:27:00.000-07:00</published><updated>2013-09-27T13:27:06.886-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Latest News"/><title type='text'>Infosys Ltd has announced that a meeting of the Board of Directors of the Company will be held on October 11, 2013</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
Infosys Q2 results on Oct 11, 2013&lt;br /&gt;Infosys Ltd has announced that a meeting of the Board of Directors of the Company will be held on October 11, 2013, to consider:&lt;br /&gt;&lt;br /&gt;The audited financial results of the company as per Indian GAAP for the second quarter and half year ending September 30, 2013. The audited consolidated financial results of the Company and its subsidiaries as per IFRS for the second quarter and half year ending September 30, 2013. To consider payment of interim dividend, if any.&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/537806466188942395/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/infosys-ltd-has-announced-that-meeting.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/537806466188942395'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/537806466188942395'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/infosys-ltd-has-announced-that-meeting.html' title='Infosys Ltd has announced that a meeting of the Board of Directors of the Company will be held on October 11, 2013'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-8721567516638838325</id><published>2013-09-27T13:18:00.000-07:00</published><updated>2013-09-27T13:18:07.075-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Latest News"/><title type='text'>Infosys Ltd has announced................</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
Infosys Ltd has announced that a meeting of the Board of Directors of the Company will be held on October 11, 2013
                                    &lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/8721567516638838325/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/infosys-ltd-has-announced.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8721567516638838325'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/8721567516638838325'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/infosys-ltd-has-announced.html' title='Infosys Ltd has announced................'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-218032141925723441</id><published>2013-09-24T11:38:00.003-07:00</published><updated>2013-09-24T11:38:51.231-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>General Testing Terms</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h1 class=&quot;title&quot;&gt;
 &lt;/h1&gt;
&lt;div class=&quot;inner node-inner&quot;&gt;
    
    
    
    
    &lt;div class=&quot;content clearfix node-content&quot;&gt;
      

&lt;h4&gt;
&lt;b&gt;Software Testing:&lt;/b&gt;&lt;/h4&gt;
1. The process of operating a product under certain conditions, 
observing and recording the results, and making an evaluation of some 
part of the product.&lt;br /&gt;
2. The process of executing a program or system with the intent of finding defects/bugs/problems.&lt;br /&gt;
3. The process of establishing confidence that a product/application does what it is supposed to.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Verification:&lt;/h4&gt;
&quot;The process of evaluating a product/application/component to evaluate 
whether the output of the development phase satisfies the conditions 
imposed at the start of that phase.&lt;br /&gt;
Verification is a Quality control process that is used to check whether 
or not a product complies with regulations, specifications, or 
conditions imposed at the start of a development phase. This is often an
 internal process.&quot;
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Validation:&lt;/h4&gt;
&quot;The process of evaluating a system or component during or at the end of
 the development process to determine whether it satisfies specified 
user requirements.&lt;br /&gt;
Validation is Quality assurance process of establishing evidence that 
provides a high degree of assurance that a product accomplishes its 
intended requirements.&quot;
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Quality Assurance (QA):&lt;/h4&gt;
&quot;A set of activities designed to ensure that the development and/or 
maintenance process is adequate to ensure a system will meet its 
objectives.&lt;br /&gt;
A planned and systematic set of activities necessary to provide adequate
 confidence that requirements are properly established and products or 
services conform to specified requirements.&quot;
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Quality Control (QC):&lt;/h4&gt;
The process by which product quality is compared with applicable 
standards, and the action is taken when nonconformance is detected.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
White Box:&lt;/h4&gt;
In this type of testing we use an internal perspective of the 
system/product to design test cases based on the internal structure. It 
requires programming skills to identify all flows and paths through the 
software. The test designer uses test case inputs to exercise 
flows/paths through the code and decides the appropriate outputs.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Gray Box:&lt;/h4&gt;
Gray box testing is a software testing method that uses a combination of
 black box testing and white box testing. Gray box testing is completely
 not black box testing, because the tester will have knowledge of some 
of the internal workings of the software under test. In gray box 
testing, the tester applies a limited number of test cases to the 
internal workings of the software under test. In the remaining part of 
the gray box testing a black box approach is taken in applying inputs to
 the software under test and observing the outputs.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Black Box:&lt;/h4&gt;
Black box testing takes an external perspective of the test object to 
design and execute the test cases. In this testing technique one need 
not know the test object&#39;s internal structure. These tests can be 
functional or non-functional, however these are usually functional. The 
test designer selects valid and invalid inputs and determines the 
correct output.
&lt;br /&gt;

&lt;br /&gt;

References: wikipedia.&lt;br /&gt;

    &lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/218032141925723441/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/general-testing-terms.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/218032141925723441'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/218032141925723441'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/general-testing-terms.html' title='General Testing Terms'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-7218550930430281937</id><published>2013-09-24T11:36:00.003-07:00</published><updated>2013-09-24T11:36:53.340-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="SDLC - Testing Models"/><title type='text'>Other SDLC Models</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h1 class=&quot;title&quot;&gt;
&lt;/h1&gt;
&lt;b&gt; Waterfall with Prototyping&lt;/b&gt; &lt;br /&gt;

Prototyping to analysis and design phases&lt;br /&gt;

&lt;div class=&quot;content clearfix node-content&quot;&gt;

&lt;li&gt; Preview and validation of User Interface by customer.
&lt;/li&gt;
&lt;li&gt; Preview and validation of complex workflows by customer.
&lt;/li&gt;
&lt;li&gt; Technical risks mitigation etc. Feasibility.
Biggest Risks&lt;br /&gt;

&lt;/li&gt;
&lt;li&gt; Correctness and completeness of earlier phases is a prerequisite of each phase.
&lt;/li&gt;
&lt;li&gt; Risks related to complex functionalities and large size of projects.
&lt;/li&gt;
&lt;li&gt; Might not handle all scenarios.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Evolutionary Prototyping Methodology.&lt;/b&gt;&lt;br /&gt;

&lt;ol&gt;
&lt;li&gt; Here the system concept evolves during the project
&lt;ul&gt;
&lt;li&gt; Develop a prototype&lt;/li&gt;
&lt;li&gt; Show it to customer. Get their feedback.&lt;/li&gt;
&lt;li&gt; Refine the prototype. Repeat till prototype is “good”.&lt;/li&gt;
&lt;li&gt; Complete any pending work and release the product.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt; Appropriate when
&lt;ul&gt;
&lt;li&gt; Rapidly changing requirements&lt;/li&gt;
&lt;li&gt; Customer can not commit to a set of requirements. Poor understanding of the application area (by customer or developer).&lt;/li&gt;
&lt;li&gt; Poor understanding of technology, architecture or algorithms.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt; Problems
&lt;ul&gt;
&lt;li&gt; Cant predict efforts, size, costs. &lt;/li&gt;
&lt;li&gt; Demands on good engineering, to ensure sustaining every iteration.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;/ol&gt;
&lt;/li&gt;
&lt;br /&gt;

&lt;b&gt;Rapid Application Development&lt;/b&gt;&lt;br /&gt;

&lt;ol&gt;
&lt;li&gt;Modified waterfall model that emphasizes an extremely short development life cycle
&lt;ul&gt;
&lt;li&gt;Methodology driven by tools which achieve rapid development
&lt;ul&gt;
&lt;li&gt; Joint Requirements Planning&lt;/li&gt;
&lt;li&gt; Joint Application Development&lt;/li&gt;
&lt;li&gt; Construction&lt;/li&gt;
&lt;li&gt; Cutover&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;Costs of rework is very less. So, design and testing phases and shortened
 &lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;Appropriate if the requirements can be realized using the tools
&lt;ul&gt;
&lt;li&gt;CASE tools (such as VB, Borland Delphi, PowerBuilder etc.)&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;/ol&gt;
&lt;br /&gt;

&lt;b&gt;Product Lifecycle Models&lt;/b&gt;&lt;br /&gt;

&lt;ol&gt;
&lt;li&gt;Modification of iterative model
&lt;ul&gt;
&lt;li&gt;Multiple cycles of development, adding newer features in every cycle.
&lt;/li&gt;
&lt;li&gt;Requirements driven by the market, not by specific customers.
&lt;ul&gt;
&lt;li&gt;Influenced by competing products.&lt;/li&gt;
&lt;li&gt;Present customer base as well as targeted customers.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;Each cycle builds on earlier cycle’s work products
&lt;ul&gt;
&lt;li&gt; Stable architecture and standard development practices.&lt;/li&gt;
&lt;li&gt; Requirements gathering and analysis is more tedious.&lt;/li&gt;
&lt;li&gt; HLD and architecture inherited from earlier cycles.&lt;/li&gt;
&lt;li&gt; DD &amp;amp; CUT combined to one stage.&lt;/li&gt;
&lt;li&gt; System testing is elaborate.&lt;/li&gt;
&lt;li&gt; Customer testing is more tedious: alpha and beta.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt;Biggest Risks and Challenges
&lt;ul&gt;
&lt;li&gt;Conflicting requirements from diverse customer base.&lt;/li&gt;
&lt;li&gt;Need to rapidly change to adapt to changing market pressures.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;/ol&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/7218550930430281937/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/other-sdlc-models.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/7218550930430281937'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/7218550930430281937'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/other-sdlc-models.html' title='Other SDLC Models'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-5085523256628800267</id><published>2013-09-24T11:28:00.004-07:00</published><updated>2013-09-24T11:32:42.703-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="SDLC - Testing Models"/><title type='text'>SDLC - WaterFall, Spiral, Agile and Test Life Cycle</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h4&gt;
Waterfall Model:&lt;/h4&gt;
The waterfall model is a popular version of the systems development life
 cycle model for software engineering. Often considered the classic 
approach to the systems development life cycle, the waterfall model 
describes a development method that is linear and sequential. Waterfall 
development has distinct goals for each phase of development. Imagine a 
waterfall on the cliff of a steep mountain. Once the water has flowed 
over the edge of the cliff and has begun its journey down the side of 
the mountain, it cannot turn back. It is the same with waterfall 
development. Once a phase of development is completed, the development 
proceeds to the next phase and there is no turning back.&lt;br /&gt;
The advantage of waterfall development is that it allows for 
departmentalization and managerial control. A schedule can be set with 
deadlines for each stage of development and a product can proceed 
through the development process like a car in a carwash, and 
theoretically, be delivered on time.&lt;br /&gt;
The disadvantage of waterfall development is that it does not allow 
for much reflection or revision. Once an application is in the testing 
stage, it is very difficult to go back and change something that was not
 well-thought out in the concept stage.&lt;br /&gt;
The model is also called Classic or Linear Sequential model. A linear
 and orderly sequence of steps from System Study to Implementation. When
 one phase ends, then the next phase begins. Appropriate if system’s 
requirements are stable and well understood. &lt;br /&gt;
&lt;b&gt;Examples&lt;/b&gt;&lt;br /&gt;
&lt;div class=&quot;content clearfix node-content&quot;&gt;
&lt;br /&gt;
&lt;li&gt; Building a well-defined maintenance releases of a product.
&lt;/li&gt;
&lt;li&gt; Porting an existing application to a new platform.
&lt;b&gt;Biggest Risks&lt;/b&gt;&lt;br /&gt;

&lt;/li&gt;
&lt;li&gt; Customer gets to see it only in the end.
&lt;/li&gt;
&lt;li&gt; Correctness and completeness of earlier phases is a prerequisite of each phase.
&lt;b&gt;&lt;i&gt;Stages:&lt;/i&gt;&lt;/b&gt; Project Planning -&amp;gt; Requirements definition 
-&amp;gt; Design -&amp;gt; Development -&amp;gt; Integration and Testing -&amp;gt; 
Installation/Acceptance -&amp;gt; Maintenance
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Spiral Model:&lt;/h4&gt;
There are four phases in the &quot;Spiral Model&quot; which are: Planning, 
Evaluation, Risk Analysis and Engineering. These four phases are 
iteratively followed one after other in order to eliminate all the 
problems, which were faced in &quot;The Waterfall Model&quot;. Iterating the 
phases helps in understating the problems associated with a phase and 
dealing with those problems when the same phase is repeated next time, 
planning and developing strategies to be followed while iterating 
through the phases.
&lt;br /&gt;

In Spiral model it splits the project to multiple mini-projects;&lt;br /&gt;

&lt;ol&gt;
&lt;li&gt; Based on risks such as: Poor requirements understanding, architecture definition, performance, technologies etc.
&lt;/li&gt;
&lt;li&gt; Riskier one first.
&lt;/li&gt;
&lt;li&gt; Each mini-project could be in a non-risk based model such as waterfall.
&lt;ul&gt;
&lt;li&gt; Identify objectives, alternatives, constraints&lt;/li&gt;
&lt;li&gt; Identify and resolve risks. Choose the right alternative.&lt;/li&gt;
&lt;li&gt; Develop for that iteration. Verify it.&lt;/li&gt;
&lt;li&gt; Plan for the next iteration.&lt;/li&gt;
&lt;/ul&gt;
&lt;/li&gt;
&lt;li&gt; Appropriate when the challenges are huge and many.&lt;/li&gt;
&lt;/ol&gt;
&lt;/li&gt;
&lt;br /&gt;
&lt;h4&gt;
Agile Process:&lt;/h4&gt;
Agile aims to reduce risk by breaking projects into small, time-limited 
modules or timeboxes (&quot;iterations&quot;) with each iteration being approached
 like a small, self-contained mini-project, each lasting only a few 
weeks. Each iteration has it own self-contained stages of analysis, 
design, production, testing and documentation. In theory, a new software
 release could be done at the end of each iteration, but in practice the
 progress made in one iteration may not be worth a release and it will 
be carried over and incorporated into the next iteration. The project&#39;s 
priorities, direction and progress are re-evaluated at the end of each 
iteration.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test life cycle:&lt;/h4&gt;
1. &lt;b&gt;&lt;i&gt;Test Requirements stage &lt;/i&gt;&lt;/b&gt;- Requirement Specification 
documents, Functional Specification documents, Design Specification 
documents (use cases, etc), Use case Documents, Test Trace-ability 
Matrix for identifying Test Coverage.&lt;br /&gt;
2. &lt;b&gt;&lt;i&gt;Test Plan&lt;/i&gt;&lt;/b&gt; - Test Scope, Test Environment, Different 
Test phase and Test Methodologies, Manual and Automation Testing, Defect
 Management, Configuration Management, Risk Management, Evaluation &amp;amp;
 identification – Test, Defect tracking tools, test schedule, resource 
allocation.&lt;br /&gt;
3. &lt;b&gt;&lt;i&gt;Test Design&lt;/i&gt;&lt;/b&gt; - Traceability Matrix and Test coverage, 
Test Scenarios Identification &amp;amp; Test Case preparation, Test data and
 Test scripts preparation, Test case reviews and Approval, Base lining 
under Configuration Management.&lt;br /&gt;
4. &lt;b&gt;&lt;i&gt;Test Environment Setup&lt;/i&gt;&lt;/b&gt; - Test Bed installation and 
configuration, Network connectivity&#39;s, All the Software/ tools 
Installation and configuration, Coordination with Vendors and others.&lt;br /&gt;
5. &lt;b&gt;&lt;i&gt;Test Automation&lt;/i&gt;&lt;/b&gt; - Automation requirement 
identification, Tool Evaluation and Identification, Designing or 
identifying Framework and scripting, Script Integration, Review and 
Approval, Base lining under Configuration Management.&lt;br /&gt;
6. &lt;b&gt;&lt;i&gt;Test Execution and Defect Tracking&lt;/i&gt;&lt;/b&gt; - Executing Test 
cases, Testing Test Scripts, Capture, review and analyze Test Results, 
Raise the defects and tracking for its closure.&lt;br /&gt;
7. &lt;b&gt;&lt;i&gt;Test Reports and Acceptance&lt;/i&gt;&lt;/b&gt; - Test summary reports, Test Metrics and process Improvements made, Build release, Receiving acceptance.
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/5085523256628800267/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/sdlc-waterfall-spiral-agile-and-test.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/5085523256628800267'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/5085523256628800267'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/sdlc-waterfall-spiral-agile-and-test.html' title='SDLC - WaterFall, Spiral, Agile and Test Life Cycle'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-1990322023713548031</id><published>2013-09-24T11:27:00.001-07:00</published><updated>2013-09-24T11:35:30.290-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="SDLC - Testing Models"/><title type='text'>Test Life Cycle / Software Testing models</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h4&gt;
SDLC:&lt;/h4&gt;
The software development life cycle (SDLC) is a conceptual model used in
 project management that describes the stages involved in an information
 system development project, from an initial feasibility study through 
maintenance of the completed application/product.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Phases of SDLC&lt;/h4&gt;
&lt;div class=&quot;content clearfix node-content&quot;&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;li&gt; System Study
&lt;/li&gt;
&lt;li&gt; Feasibility Study
&lt;/li&gt;
&lt;li&gt; Requirements
&lt;/li&gt;
&lt;li&gt; Design
&lt;/li&gt;
&lt;li&gt; Coding
&lt;/li&gt;
&lt;li&gt; Testing
&lt;/li&gt;
&lt;li&gt; Implementation
&lt;/li&gt;
&lt;li&gt; Maintenance&lt;br /&gt;

&lt;h4&gt;
V-Model:&lt;/h4&gt;
The V-Model shows and translates the relationships between each phase of
 the development life cycle and its associated phase of testing. The 
V-model is a software development model which is considered to be an 
extension of the waterfall model. Instead of moving down in a linear 
way, the process steps are targeted upwards after the coding phase, to 
form the typical V shape.&lt;br /&gt;

&lt;b&gt;Requirements analysis:&lt;/b&gt; In this phase, the requirements of the 
proposed system are collected by analyzing the needs of the user(s). 
This phase is concerned about establishing what the ideal system has to 
perform. However, it does not determine how the software will be 
designed or built. Usually, the users are interviewed and a document 
called the user requirements document is generated. The user 
requirements document will typically describe the system’s functional, 
physical, interface, performance, data, security requirements etc as 
expected by the user. The user acceptance tests are designed in this 
phase.&lt;br /&gt;

&lt;b&gt;System Design:&lt;/b&gt; System engineers analyze and understand the 
business of the proposed system by studying the user requirements 
document. They figure out possibilities and techniques by which the user
 requirements can be implemented. If any of the requirements are not 
feasible, the user is informed of the issue. A resolution is found and 
the user requirement document is edited accordingly.&lt;br /&gt;

The software specification document which serves as a blueprint for 
the development phase is generated. This document contains the general 
system organization, menu structures, data structures etc. It may also 
hold example business scenarios, sample windows, reports for the better 
understanding. Other technical documentation like entity diagrams, data 
dictionary will also be produced in this phase. The documents for system
 testing is prepared in this phase.&lt;br /&gt;

&lt;b&gt;High-level design:&lt;/b&gt; This phase can also be called as high-level
 design. The baseline in selecting the architecture is that it should 
realize all which typically consists of the list of modules, brief 
functionality of each module, their interface relationships, 
dependencies, database tables, architecture diagrams, technology details
 etc. The integration testing design is carried out in this phase.&lt;br /&gt;

&lt;b&gt;Low-level design:&lt;/b&gt; This phase can also be called as low-level 
design. The designed system is broken up in to smaller units or modules 
and each of them is explained so that the programmer can start coding 
directly. The low level design document or program specifications will 
contain a detailed functional logic of the module, in pseudo-code - 
database tables, with all elements, including their type and size - all 
interface details with complete API references- all dependency issues- 
error message listings- complete input and outputs for a module. The 
unit test design is developed in this stage.&quot;
&lt;br /&gt;

&lt;img alt=&quot;VModel&quot; height=&quot;90%&quot; src=&quot;http://www.qatutorial.com/pics/VModel.JPG&quot; title=&quot;V Model&quot; width=&quot;90%&quot; /&gt;&lt;br /&gt;
&lt;br /&gt;

References: wikipedia.&lt;br /&gt;

&lt;/li&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/1990322023713548031/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/test-life-cycle-software-testing-models.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1990322023713548031'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/1990322023713548031'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/test-life-cycle-software-testing-models.html' title='Test Life Cycle / Software Testing models'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-6274137544863360921</id><published>2013-09-24T11:23:00.001-07:00</published><updated>2013-09-24T11:23:17.138-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>Bug Life Cycle</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h4&gt;
Bug:&lt;/h4&gt;
Product is still not yet released in the market. Found before production.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Defect:&lt;/h4&gt;
Product is released in the market. Found after production.
&lt;br /&gt;

&lt;br /&gt;

&lt;img alt=&quot;Bug Life Cycle&quot; height=&quot;90%&quot; src=&quot;http://www.qatutorial.com/pics/BugLifeCycle.JPG&quot; title=&quot;Bug Life Cycle&quot; width=&quot;90%&quot; /&gt;&lt;br /&gt;
&lt;br /&gt;

&lt;h4&gt;
Defect States:&lt;/h4&gt;
States:&lt;br /&gt;
 -Open&lt;br /&gt;
 -Fixed&lt;br /&gt;
 -Verified&lt;br /&gt;
 -Closed&lt;br /&gt;
 -Double/Duplicate&lt;br /&gt;
 -Reject (Works as per Requirements, wont fix, works for me)
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Defect Content:&lt;/h4&gt;
&lt;b&gt;&lt;i&gt;Defect heading:&lt;/i&gt;&lt;/b&gt; IE Error. “Error Loading &lt;a href=&quot;https://localhost:10000/index.cgi&quot; title=&quot;https://localhost:10000/index.cgi&quot;&gt;https://localhost:10000/index.cgi&lt;/a&gt; Connection refused”&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Description:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Hardware Used:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Software version:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Environmental parameters:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Failed Test case ID:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Failed Requirement Id:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Occurrence:&lt;/i&gt;&lt;/b&gt; Repeatable/Random&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Severity:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Keyword/Responsible:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Steps to Reproduce the Problem:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Expected Result:&lt;/i&gt;&lt;/b&gt; IE login page should be displayed.&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Actual Result:&lt;/i&gt;&lt;/b&gt; Error is displayed. “Error Loading &lt;a href=&quot;https://localhost:10000/index.cgi&quot; title=&quot;https://localhost:10000/index.cgi&quot;&gt;https://localhost:10000/index.cgi&lt;/a&gt; Connection refused”&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Screenshots if any:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Log files if any:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Time stamp for crash defects:&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Symptoms&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Phase originated in&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;i&gt;Phase found in&lt;/i&gt;&lt;/b&gt;
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Severity:&lt;/h4&gt;
Severity refers to the level of impact, the defect has created on the 
users. This is set by the tester. Below are some of the common types.&lt;br /&gt;
Unacceptable Risk/Blocker: Crash or A risk to the patient/user, operator, service personnel, etc. Creates a Safety Risk&lt;br /&gt;
Design NC/Critical: Non-conformance to design input (product specification)&lt;br /&gt;
Improvement Opportunity: Observations that do not represent a Design Defect or belong to any of the previous classes&lt;br /&gt;
 - Enhancements&lt;br /&gt;
 - Productivity Opportunities&lt;br /&gt;

However this varies from company to company.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Priority:&lt;/h4&gt;
Priority refers to the &quot;Urgency&quot; with which the incident has to be fixed. This is set by the lead.&lt;br /&gt;
In most of the cases a critical incident can be of high priority.&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
Defect example for each severity:&lt;/h4&gt;
Unacceptable Risk - In a patient monitoring system if the Product 
/application Crashes, Incorrect parameter value (ex. Instead of 60 Heart
 Rate 80 Heart Rate is displayed)&lt;br /&gt;
Design NC - Patient information not displayed under User Information.&lt;br /&gt;
Minor Issue - IP address textbox should be grayed out when DHCP is selected&lt;br /&gt;
Improvement Opportunity - Some cosmetic defect which is negligible. ex. 
when a sub-menu is opened the borders of the sub-menu is cut off. or 
Documentation Issue.
&lt;br /&gt;

&lt;br /&gt;

&lt;h4&gt;
What to do when a defect is not reproducible:&lt;/h4&gt;
1. Test on another setup.&lt;br /&gt;
2. Take pictures and video the first time the defect occurs.&lt;br /&gt;
3. Save and Attach the Log file.
&lt;br /&gt;

&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/6274137544863360921/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/bug-life-cycle.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6274137544863360921'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/6274137544863360921'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/bug-life-cycle.html' title='Bug Life Cycle'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-319067724950837174</id><published>2013-09-24T10:58:00.004-07:00</published><updated>2013-09-24T11:00:53.373-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>Test Design Techniques</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;div class=&quot;inner node-inner&quot;&gt;
&lt;div class=&quot;content clearfix node-content&quot;&gt;
Some general software documentation terms.&lt;br /&gt;
&lt;h4&gt;
USR:&lt;/h4&gt;
User Requirements Specification - Contains User (Customer) requirements received from the user/client.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
PS:&lt;/h4&gt;
Product Specification. Derived from UR such that it can be implemented in the product. A high level product requirement.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
DRS:&lt;/h4&gt;
Design Requirement Specifications - Related to design. Design requirements. For hardware components.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
SRS:&lt;/h4&gt;
Software Requirement Specifications - Low level requirements derived from PS. For Software related components.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
SVP:&lt;/h4&gt;
Software Verification Procedure written from SRS. These are the actual test cases.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
DVP:&lt;/h4&gt;
Design Verification Procedure written from DRS. More design oriented test cases.
&lt;br /&gt;
&lt;br /&gt;
Some of the Test Design Techniques are as below,&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test Design Technique 1 - Fault Tree analysis&lt;/h4&gt;
Fault tree analysis is useful both in designing new products/services 
(test cases for new components) or in dealing with identified problems 
in existing products/services. Fault tree analysis (FTA) is a failure 
analysis in which the system is analyzed using boolean logic.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test Design Technique 2 - Boundary value analysis&lt;/h4&gt;
Boundary value analysis is a software testing design technique in which 
tests are designed to include representatives of boundary values. The 
test cases are developed around the boundary conditions. One common 
example for this technique can be, if a text box (named username) 
supports 10 characters, then we can write test cases which contain 0,1, 
5, 10, &amp;gt;10 characters.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test Design Technique 3 - Equivalence partitioning&lt;/h4&gt;
Equivalence partitioning is a software design technique that divides the
 input data to a software unit into partition of data from which test 
cases can be derived.
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test Design Technique 4 - Orthogonal Array Testing&lt;/h4&gt;
This Technique can be used to reduce the number of combination and 
provide maximum coverage with a minimum number of Test Cases. Pay 
attention to the fact that it is an old and proven technique. The 
Orthogonal array testing was introduced for the first time by Plackett 
and Burman in 1946 and was implemented by G. Taguchi in 1987.&lt;br /&gt;
It is a Mathematical technique to determine which variations of parameters need to be tested. [William E. Lewis, 2000]
&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test Design Steps - Test case writing steps&lt;/h4&gt;
1. Read the requirement. Analyze the requirement.&lt;br /&gt;
2. Write the related prerequisites and information steps if required 
(ex. If some setting should have already been done, or Some browser 
should have been selected).&lt;br /&gt;
3. Write the procedure (steps to perform some connection, 
configuration). This will contain the majority of steps to reproduce is 
this test case fails.&lt;br /&gt;
4. Write a step to capture the tester input/record. This is used for objective evidence.&lt;br /&gt;
5. Write the Verify step (Usually the expected Result).
&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;What is a Test Case? &lt;/b&gt; – It is a document, which specifies the 
test inputs, events and expected results developed for a particular 
objective, so as to evaluate a particular program path or to verify the 
compliance with a specific requirement based on the test specification.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Areas for Test Design&lt;/b&gt; - Below are some of the areas in Test Design.&lt;br /&gt;
o Deriving Test Cases from Use Cases&lt;br /&gt;
o Deriving Test Cases from Supplementary Specifications&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Deriving Test Cases for Performance Tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Deriving Test Cases for Security / Access Tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Deriving Test Cases for Configuration Tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Deriving Test Cases for Installation Tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Deriving Test Cases for other Non-Functional Tests&lt;br /&gt;
o Deriving test cases for Unit Tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; White-box tests&lt;br /&gt;
&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt; Black-box tests&lt;br /&gt;
o Deriving Test Cases for Product Acceptance Test&lt;br /&gt;
o Build Test Cases for Regression Test&lt;br /&gt;
&lt;br /&gt;
&lt;h4&gt;
Test case content:&lt;/h4&gt;
The contents of a test case are,&lt;br /&gt;
* Prerequisites&lt;br /&gt;
* Procedures&lt;br /&gt;
* Information if required&lt;br /&gt;
* Tester input/record&lt;br /&gt;
* Verify step
&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Types of Test Cases&lt;/b&gt; They are often categorized or classified 
by the type of test / requirement for test they are associated with, and
 will vary accordingly. Best practice is to develop at least two test 
cases for each requirement for test:&lt;br /&gt;
1. A Test Case to demonstrate the requirement has been achieved. Often referred to as a Positive Test Case.&lt;br /&gt;
2. Another Test Case, reflecting an unacceptable, abnormal or unexpected
 condition or data, to demonstrate that the requirement is only achieved
 under the desired condition, referred to as a Negative Test Case.&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/319067724950837174/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/test-design-techniques.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/319067724950837174'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/319067724950837174'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/test-design-techniques.html' title='Test Design Techniques'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-4265494733763517382</id><published>2013-09-24T10:53:00.001-07:00</published><updated>2013-09-24T10:53:54.117-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>Software Testing Templates</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h1 class=&quot;title&quot;&gt;
&lt;/h1&gt;
&lt;div class=&quot;inner node-inner&quot;&gt;
    
    
    
    
    &lt;div class=&quot;content clearfix node-content&quot;&gt;
      Here you will find standard documents containing layout and styles used in the various stages of Software Testing.&lt;br /&gt;

Following are the various categories under which you will find 20+ free templates.&lt;br /&gt;

&lt;b&gt;&lt;a href=&quot;http://www.qatutorial.com/?q=Software-Testing-Test-Case-Templates&quot;&gt;Software Testing - Test Case Templates&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
* Test Case Template 1&lt;br /&gt;
* Test Case Template 2&lt;br /&gt;
* Test Case Template 3&lt;br /&gt;
* Test Case Example&lt;br /&gt;
* Use Case Example&lt;br /&gt;
* Test Case Review Template&lt;br /&gt;
&lt;br /&gt;&lt;br /&gt;
&lt;b&gt;&lt;a href=&quot;http://www.qatutorial.com/?q=Software-Testing-Test-Plan-Templates&quot;&gt;Software Testing - Test Plan Templates&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
* Test Plan Template 1&lt;br /&gt;
* Test Plan Template 2&lt;br /&gt;
* Test Plan Template for Mobile Testing&lt;br /&gt;
* Software Test Automation - Test Plan Template&lt;br /&gt;
* Software Quality Assurance Plan (SQAP) Template&lt;br /&gt;
&lt;br /&gt;&lt;br /&gt;
&lt;b&gt;&lt;a href=&quot;http://www.qatutorial.com/?q=Software-Testing-Checklists&quot;&gt;Software Testing - Checklists&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
* Checklist for Testing Project Setup&lt;br /&gt;
* Checklist for Testing of Graphics on Website&lt;br /&gt;
* Checklist for Testing Browser Dependencies for a Website&lt;br /&gt;
* Checklist for Software Testing&lt;br /&gt;
* Checklist for Software Testing Lead&lt;br /&gt;
&lt;br /&gt;&lt;br /&gt;
&lt;b&gt;&lt;a href=&quot;http://www.qatutorial.com/?q=Software-Testing-Defect-Execution-Estimation-Templates&quot;&gt;Software Testing - Defect, Test Execution, Test Estimation Templates&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
* Template for Defect/Bug Content&lt;br /&gt;
* Template for Test Execution Status&lt;br /&gt;
* Template for Test Execution - Tester Time Tracker&lt;br /&gt;
* Automation Test Estimation Framework Template&lt;br /&gt;
* Software Test Estimation Template/Workbook&lt;br /&gt;
&lt;br /&gt;&lt;br /&gt;
&lt;b&gt;&lt;a href=&quot;http://www.qatutorial.com/?q=Software-Testing-Code-Review-Traceability-Matrix-MOM-Templates&quot;&gt;Software Testing - Code Review, Traceability Matrix, MOM Templates&lt;/a&gt;&lt;/b&gt;&lt;br /&gt;
* Template for Code Review&lt;br /&gt;
* Template for Traceability Matrix&lt;br /&gt;
* Minutes of Meeting Template&lt;br /&gt;

    &lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/4265494733763517382/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/software-testing-templates.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4265494733763517382'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4265494733763517382'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/software-testing-templates.html' title='Software Testing Templates'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-2035892577264595281</id><published>2013-09-24T10:51:00.000-07:00</published><updated>2013-09-24T10:57:00.082-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>Software Testing Process</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
One of the main process involved in Software Testing is the preparation of Test Plan.&lt;br /&gt;
The contents of a &lt;b&gt;Test Plan&lt;/b&gt; would contain the following,&lt;br /&gt;
&lt;div class=&quot;content clearfix node-content&quot;&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;li&gt; Purpose.
&lt;/li&gt;
&lt;li&gt; Scope.
&lt;/li&gt;
&lt;li&gt; References.
&lt;/li&gt;
&lt;li&gt; Resources Required.
&lt;ol&gt;
&lt;li&gt; Roles and responsibilities&lt;/li&gt;
&lt;li&gt; Test Environment and Tools&lt;/li&gt;
&lt;/ol&gt;
&lt;/li&gt;
&lt;li&gt; Test Schedule.
&lt;/li&gt;
&lt;li&gt; Types of Testing involved.
&lt;/li&gt;
&lt;li&gt; Entry/Exit criteria.
&lt;/li&gt;
&lt;li&gt; Defect Tracking.
&lt;/li&gt;
&lt;li&gt; Issues/Risks/Assumptions/Mitigation&#39;s.
&lt;/li&gt;
&lt;li&gt; Deviations.&lt;br /&gt;
&lt;br /&gt;&lt;h4&gt;
Process involved in Test Case Design:&lt;/h4&gt;
&lt;ol&gt;
&lt;li&gt; Review of requirements.&lt;/li&gt;
&lt;li&gt; comments for the requirements.&lt;/li&gt;
&lt;li&gt; Fix the review comments.&lt;/li&gt;
&lt;li&gt; Baseline the requirements document.&lt;/li&gt;
&lt;li&gt; Prepare test cases with respect to the baselined requirements documents.&lt;/li&gt;
&lt;li&gt; Send the test cases for review.&lt;/li&gt;
&lt;li&gt; Fix the comments for the test cases.&lt;/li&gt;
&lt;li&gt; Baseline the test case document.&lt;/li&gt;
&lt;li&gt; If there are any updates in the requirements, Update the requirements document.&lt;/li&gt;
&lt;li&gt; Send the updated requirements document for review.&lt;/li&gt;
&lt;li&gt; Fix any comments, if received.&lt;/li&gt;
&lt;li&gt; Baseline the requirements document.&lt;/li&gt;
&lt;li&gt; Update the test case document with respect to the latest baselined requirements document.&lt;/li&gt;
&lt;/ol&gt;
&lt;h4&gt;
Traceability matrix:&lt;/h4&gt;
Traceability matrix is a matrix which associates the requirements to its
 work products,Test cases. This can also be used to associate the Use 
case to the Requirements.&lt;br /&gt;
The advantage of traceability is to ensure the completeness of requirements.&lt;br /&gt;
Every Test case should associate to a requirement and Every Requirement has one or more associated test cases.
&lt;br /&gt;



&lt;h4&gt;
Testing Review -  Dos and Dont&#39;s &lt;/h4&gt;
&lt;b&gt;Author&lt;/b&gt;&lt;br /&gt;

&lt;/li&gt;
&lt;li&gt; Be open to feedback.
&lt;/li&gt;
&lt;li&gt; Observe the review process.
&lt;/li&gt;
&lt;li&gt; Don’t get discouraged by review feedback – They are constructive.
&lt;/li&gt;
&lt;li&gt; Do not defend yourself or the product that you produced - Remember that there is no product that is defect-free.
&lt;b&gt;Reviewer&lt;/b&gt;&lt;br /&gt;

&lt;/li&gt;
&lt;li&gt; Review the Product not the Producer.
&lt;/li&gt;
&lt;li&gt; Do not accuse.
&lt;/li&gt;
&lt;li&gt; Do not resolve the issues.
&lt;/li&gt;
&lt;li&gt; Avoid discussions of styles - stick to technical correctness.&lt;/li&gt;
&lt;/div&gt;
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/2035892577264595281/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/software-testing-process.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2035892577264595281'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2035892577264595281'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/software-testing-process.html' title='Software Testing Process'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-4478217859787891006</id><published>2013-09-24T10:44:00.002-07:00</published><updated>2013-09-24T10:47:32.918-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Manual Testing"/><title type='text'>Testers Role</title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
&lt;h1 class=&quot;title&quot;&gt;
&lt;/h1&gt;
&lt;h4&gt;
The various Roles and Responsibilities of a Tester or Senior Software Tester &lt;/h4&gt;
Requirement Analysis - in case of doubt check with global counter parts or clinical specialist.&lt;br /&gt;
Test design - Always clarify, never assume and write.&lt;br /&gt;
Review of Other Test design documents.&lt;br /&gt;
Approving Test Design documents.&lt;br /&gt;
Test Environment setup.&lt;br /&gt;
Test results gathering.&lt;br /&gt;
Evaluation of any tools if required. - ex. QTP, Valgrind memory profiling tool.&lt;br /&gt;
Mentoring of new joinees. Helping them ramp up.
&lt;br /&gt;
&lt;h4&gt;
Finding Defects&lt;/h4&gt;
Testers need to identify two types of defects:&lt;br /&gt;
Variance from Specifications – A defect from the perspective of the builder of the product.&lt;br /&gt;
Variance from what is Desired – A defect from a user (or customer) perspective.
&lt;br /&gt;
&lt;h4&gt;
Testing Constraints&lt;/h4&gt;
Anything that inhibits the tester’s ability to fulfill their responsibilities is a constraint.&lt;br /&gt;
Constraints include:&lt;br /&gt;
Limited schedule and budget&lt;br /&gt;
Lacking or poorly written requirements&lt;br /&gt;
Changes in technology&lt;br /&gt;
Limited tester skills
&lt;br /&gt;
&lt;h4&gt;
The various Roles and Responsibilities of a Software Test Lead&lt;/h4&gt;
The Role of Test Lead is to effectively lead the testing team. To 
fulfill this role the Lead must understand the discipline of testing and
 how to effectively implement a testing process while fulfilling the 
traditional leadership roles. What does This mean that the Lead must 
manage and implement or maintain an effective testing process. This 
involves creating a test infrastructure that supports robust 
communication and a cost effective testing framework.&lt;br /&gt;
The Test Lead is responsible for:&lt;br /&gt;
* Defining and implementing the role testing plays within the organizational structure.&lt;br /&gt;
* Defining the scope of testing within the context of each release / delivery.&lt;br /&gt;
* Deploying and managing the appropriate testing framework to meet the testing mandate.&lt;br /&gt;
* Implementing and evolving appropriate measurements and metrics.&lt;br /&gt;
o To be applied against the Product under test.&lt;br /&gt;
o To be applied against the Testing Team.&lt;br /&gt;
* Planning, deploying, and managing the testing effort for any given engagement / release.&lt;br /&gt;
* Managing and growing Testing assets required for meeting the testing mandate:&lt;br /&gt;
o Team Members&lt;br /&gt;
o Testing Tools&lt;br /&gt;
o Testing Process&lt;br /&gt;
* Retaining skilled testing personnel.&lt;br /&gt;
&lt;h4&gt;
The various Roles and Responsibilities of a Software Test Manager&lt;/h4&gt;
* Manage and deliver testing projects with multi-disciplinary teams while respecting deadlines.&lt;br /&gt;
* Optimize and increase testing team productivity by devising innovation solutions or improving existing processes.&lt;br /&gt;
* Experience identifying, recruiting and retaining strong technical members.&lt;br /&gt;
* Bring a client-based approach to all aspects of software testing and client interactions when required.&lt;br /&gt;
* Develop and manage organizational structure to provide efficient and productive operations.&lt;br /&gt;
* Provide issue resolution to all direct reportees/subordinates, 
escalating issues when necessary with appropriate substantiation and 
suggestions for resolution.&lt;br /&gt;
* Provide required expertise to all prioritization, methodology, and development initiative.&lt;br /&gt;
* Assist direct reports in setting organization goals and objectives and
 provide annual reviews with reporting of results to HR and the 
executive team.&lt;br /&gt;
* Work with Product Management and other teams to meet organization initiatives.&lt;br /&gt;
* Promote customer orientation through organizing and motivating development personnel.&lt;br /&gt;
The Test Manager must understand how testing fits into the 
organizational structure, in other words, clearly define its role within
 the organization.&lt;br /&gt;
&lt;h4&gt;
Challenges in People Relationships testing&lt;/h4&gt;
The top ten people challenges have been identified as:&lt;br /&gt;
Training in testing&lt;br /&gt;
Relationship building with developers&lt;br /&gt;
Using tools&lt;br /&gt;
Getting managers to understand testing&lt;br /&gt;
Communicating with users about testing&lt;br /&gt;
Making the necessary time for testing&lt;br /&gt;
Testing “over the wall” software&lt;br /&gt;
Trying to hit a moving target&lt;br /&gt;
Fighting a lose-lose situation&lt;br /&gt;
Having to say “no”&lt;br /&gt;
*According to the book “Surviving the Top Ten Challenges of Software 
Testing, A People-Oriented Approach” by William Perry and Randall Rice
&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/4478217859787891006/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/testers-role.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4478217859787891006'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4478217859787891006'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/testers-role.html' title='Testers Role'/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-4582325253131613164</id><published>2013-09-21T10:59:00.000-07:00</published><updated>2013-09-21T10:59:31.479-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Government Jobs"/><title type='text'>UPSC Geologist Exam 2013 – Apply Online for 147 Vacancies  </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
UPSC Geologist Exam 2013 – Apply Online for 147 Vacancies: Union Public Service Commission (UPSC) has issued notification for conducting Geologists Examination 2013 for recruitment of the 147 vacancies under two categories. Eligible candidates can apply online on or before 23-09-2013. Other details like age limit, educational qualification, selection process and how to apply are given below…&lt;br /&gt;
&lt;br /&gt;
UPSC Geologists Exam Vacancy Details:&lt;br /&gt;
Total No. of Posts: 147&lt;br /&gt;
Name of the Posts:&lt;br /&gt;
Category I:&lt;br /&gt;
1. Geologist, Group ‘A’: 50 Posts&lt;br /&gt;
2. Assistant Geologist Grade I Group ‘B’: 25 Posts&lt;br /&gt;
Category II:&lt;br /&gt;
1. Junior Hydrogeologists (Scientist B) Group ‘A’: 33 Posts&lt;br /&gt;
2. Assistant Hydrogeologists Group ‘B’: 39 Posts&lt;br /&gt;
&lt;br /&gt;
Age Limit: Candidates age limit should be between 21 years and 32 years for Category I Posts and 21-35 years for Jr Hydrogeologists Post and 21-30 years for Assistant Hydrogeologists posts. Age limit should be reckoned as on 01-08-2013. Age relaxation will be applicable as per the rules.&lt;br /&gt;
&lt;br /&gt;
Educational Qualification: Candidates should possess Master’s Degree in Geological Science or Geology or Applied Geology or Geo-Exploration for Category I Posts Masters Degree in Geology or Applied Geology or Marine Geology from a university, Master’s Degree in Hydrogeology from a recognised university for Category II Posts.&lt;br /&gt;
&lt;br /&gt;
Application Fee Details: Candidates have to pay the fee of Rs.200/- (Rupees Two Hundred only) either by remitting the money in any Branch of SBI by cash or by using net banking facility of State Bank of India/ State Bank of India/ State Bank of Bikaner &amp;amp; Jaipur/State Bank of Hyderabad/State Bank of Mysore/ State Bank of Patiala/State Bank of Travancore by using Visa/Master Credit/Debit card. SC/ST/Female/PH candidates are exempted from payment of fee.&lt;br /&gt;
&lt;br /&gt;
Selection Process: Candidates would be selected based on their performance in written examination and interview.&lt;br /&gt;
&lt;br /&gt;
How to Apply: Eligible candidates can apply online through UPSC website www.www.upsconline.nic.in on or before 23-09-2013 till 11:59 PM. After submission of Online Application candidates must take the print out of application form and keep it safe for further reference/use.&lt;br /&gt;
&lt;br /&gt;
Instructions for Online Application:&lt;br /&gt;
1. Visit the website www.upsconline.nic.in and click on Online application for Various Examinations of UPSC link.&lt;br /&gt;
2. Candidates must select the Part I of Application by selecting the link Click Here below Part I Registration of desired service.&lt;br /&gt;
3. Fill all the marked details of Part I of Application Form and then make the payment.&lt;br /&gt;
4. After making payment online or offline candidates must revisit the website.&lt;br /&gt;
5. This time candidates need to select the link Click Here below Part II Registration of same service.&lt;br /&gt;
6. Again fill all the mandatory details in Part II of Application.&lt;br /&gt;
7. Upload the scanned Photograph and Signature at the places provided and Submit the Application.&lt;br /&gt;
8. Take print out of Online Application and retain it for further use.&lt;br /&gt;
&lt;br /&gt;
Important Dates:&lt;br /&gt;
Date of Notification: 24-08-2013&lt;br /&gt;
Last Date for Submission of Applications: 23-09-2013.&lt;br /&gt;
Date of Examination: 09-11-2013.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/4582325253131613164/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/upsc-geologist-exam-2013-apply-online.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4582325253131613164'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/4582325253131613164'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/upsc-geologist-exam-2013-apply-online.html' title='UPSC Geologist Exam 2013 – Apply Online for 147 Vacancies  '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2717124265992280546.post-2033533238288379209</id><published>2013-09-21T10:55:00.000-07:00</published><updated>2013-09-21T10:55:11.914-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Government Jobs"/><title type='text'>UPSC Advt No 13/2013 – 57 various vacancies </title><content type='html'>&lt;div dir=&quot;ltr&quot; style=&quot;text-align: left;&quot; trbidi=&quot;on&quot;&gt;
UPSC Advt No 13/2013 – 57 Various Vacancies: Union Public Service Commission – UPSC has advertised notification for recruitment of 57 Various Vacancies in Various Departments. Eligible Candidates can apply online on or before 03-10-2013 by 23.59 hrs. The particulars regarding age limit, educational qualification, application fee and other particulars of UPSC Advt No 13/2013 is mentioned below…&lt;br /&gt;
&lt;br /&gt;
UPSC Advt No 13/2013 Vacancy Details:&lt;br /&gt;
Total no. of Posts: 57&lt;br /&gt;
Name of the Posts:&lt;br /&gt;
1. Assistant Foreign Language Examiner (AFLE): 02 Posts&lt;br /&gt;
2. Principal Library and Information Officer: 01 Posts&lt;br /&gt;
3. Deputy Director (Non-Technical): 02 Posts&lt;br /&gt;
4. General Duty Medical Officer (Homeopathy): 11 Posts&lt;br /&gt;
5. Assistant Labour Commissioner: 02 Posts&lt;br /&gt;
6. Deputy Director (Planning/Statistics): 04 Posts&lt;br /&gt;
7. Statistical Officer: 20 Posts&lt;br /&gt;
8. &amp;nbsp;Principal: 01 Post&lt;br /&gt;
9. &amp;nbsp;Professor (Computer Science and Engineering): 02 Posts&lt;br /&gt;
10. Professor (Electronics and Communication Engineering): 02 Posts&lt;br /&gt;
11. &amp;nbsp;Professor (Mechanical Engineering): 01 Post&lt;br /&gt;
12. Associate Professor (Civil Engineering): 01 Post&lt;br /&gt;
13. Associate Professor (Computer Science and Engineering): 04 Posts&lt;br /&gt;
14. &amp;nbsp;Associate Professor (Electronics and Communication Engineering): 04 Posts&lt;br /&gt;
&lt;br /&gt;
Age limit: Candidates age should not exceed 50 years for S.No.2, 8, 9, 10 &amp;amp;11 Posts, 45 years for S.No.3, 12, 13 &amp;amp; 14 Posts, 40 years for S.No.1 &amp;amp; 6 Posts, 35 years for S.No.4 &amp;amp; 5, 30 years for S.No.7 Post and relaxation is available.&lt;br /&gt;
&lt;br /&gt;
Educational Qualification: Candidates must Possess Bachelor’s degree/ Advanced Diploma in Chinese or Japanese with English for S.No.1 Post, Master’s degree for S.No.2 Post, Any Degree in relevant Disciplines for S.No. 3, 4 &amp;amp; 5 Posts, Post graduate degree in relevant field for S.No.6, 7 Posts, Bachelor of Engineering or Bachelor of Technology and Master of Engineering or Master of Technology for S.No.8 to 14 Posts.&lt;br /&gt;
&lt;br /&gt;
Selection Process: Candidates will be selected based on their performance in the interview.&lt;br /&gt;
&lt;br /&gt;
Application Fee: Candidates pay the fee for Rs. 25/- only either by remitting the money in any branch of the SBI by cash or by using net banking facility of the SBI or by using visa/ master credit/ debit card (No fee for SC/ ST/ PH/ Women candidates).&lt;br /&gt;
&lt;br /&gt;
How to apply: Interested and eligible candidates may apply online on or before 23.59 hrs on 03-10-2013 and shortlisted candidates will be called for interview with application, self attested copies of documents/relevant certificates in support of the claims made in the application.&lt;br /&gt;
&lt;br /&gt;
Instructions to Apply Online:&lt;br /&gt;
1. Log on to the website www.upsconline.nic.in&lt;br /&gt;
2. Click on the link “Online Recruitment Application (ORA) for Various Recruitment Posts”.&lt;br /&gt;
3. Select the appropriate Post and click on “Apply Online”.&lt;br /&gt;
4. Fill all the mandatory fields and submit error free application form.&lt;br /&gt;
5. After submission of ORA, candidates are required to take print out of it for future use.&lt;br /&gt;
&lt;br /&gt;
Important Dates:&lt;br /&gt;
Last Date for Submission of Online Application: 23.59 hrs on 03-10-2013&lt;br /&gt;
Last Date for Printing Online Application: 23.59 hrs on 04-10-2013&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
</content><link rel='replies' type='application/atom+xml' href='http://rssinfosystems.blogspot.com/feeds/2033533238288379209/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/upsc-advt-no-132013-57-various-vacancies.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2033533238288379209'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2717124265992280546/posts/default/2033533238288379209'/><link rel='alternate' type='text/html' href='http://rssinfosystems.blogspot.com/2013/09/upsc-advt-no-132013-57-various-vacancies.html' title='UPSC Advt No 13/2013 – 57 various vacancies '/><author><name>LIC Insurance Services</name><uri>http://www.blogger.com/profile/17972438196998078823</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaLc8fn3CjmLjKsy4HY8WUPhJksxztbrVxsyKJPnTLpaaVU-SMHfG6mNMagAeKODgyvlR7EMY4111D7dz8smc8KJwWlX0C9xdPF0xqJlDBIBMC7Yj495ECt7UsHYlc4Uc/s220/liclive.jpg'/></author><thr:total>0</thr:total></entry></feed>