Lmst

What Condo and HOA Boards Need to Know About Insurance Replacement Costs and Code Compliance https://downriverpropertymanagement.com/what-condo-and-hoa-boards-need-to-know-about-insurance-replacement-costs-and-code-compliance/?utm_source=dlvr.it&utm_medium=mastodon #CondoInsurance #HOA #PropertyManagement #HomeownersAssociation #InsuranceCoverage

In 2025, being trans in America means living under conditional citizenship

https://fed.brid.gy/r/https://www.advocate.com/voices/trans-rights-in-america-2674433270

House passes bill banning Medicaid from covering gender-affirming care for youth

https://fed.brid.gy/r/https://www.advocate.com/politics/medicaid-gender-affirming-care-bill

Bought a Ferrari But Forgot the Insurance 😂🚗💸 #luxurylifestyle #ferrari #insurancecoverage #shorts

from Top Viral

https://topviralyt.wordpress.com/2025/10/15/bought-a-ferrari-but-forgot-the-insurance-%f0%9f%98%82%f0%9f%9a%97%f0%9f%92%b8-luxurylifestyle-ferrari-insurancecoverage-shorts/

Dr. Javad Sajan, Challenges & Innovations in Trans Healthcare

Author(s): Scott Douglas Jacobsen

Publication (Outlet/Website): The Good Men Project

Publication Date (yyyy/mm/dd): 2025/05/07

Dr. Javad Sajan is a Seattle-based plastic surgeon specializing in cosmetic and reconstructive procedures for the face and body. He is the founder of Allure Esthetic, where he offers services including breast augmentation, tummy tucks, rhinoplasty, and gender-affirming surgeries such as FTM top surgery and facial feminization. Sajan highlighted several challenges transgender patients face in accessing gender-affirming healthcare. Key issues include limited insurance coverage and a scarcity of experienced providers. Additionally, not all surgeons offer the full spectrum of gender-affirming surgeries, necessitating patients to seek multiple specialists. Regional disparities significantly impact access; for instance, while Washington mandates insurance coverage for such procedures, other states lack comprehensive policies, leading to potential travel burdens for patients.

Scott Douglas Jacobsen: What are the primary challenges transgender patients face in trying to get gender-affirming healthcare?

Dr. Javad Sajan: Insurance coverage and finding providers with adequate experience. Also, not all surgeons who perform gender-affirming procedures perform all gender affirming surgeries (for example, someone may only perform top surgery or only bottom surgery).

Jacobsen: Do these challenges differ by region?

Sajan: Absolutely, especially in today’s political climate. Even though gender affirming care for adults is technically accessible in all states, it may still involve significant travel, and patients deserve to have the choice between providers. While Washington (where I practice) requires insurance to cover gender-affirming procedures, this is not always full encompassing, and not everyone who needs gender-affirming surgery will qualify. Several other states do not have any requirements or procedures concerning insurance coverage for gender affirmation.

Jacobsen: What legal protections exist–and do not and need to exist–for transgender individuals to access reasonable levels of gender-affirming procedures?

Sajan: It varies widely by state. However, the process should be led by the patient and their medical team without legal or major financial barriers.

Jacobsen: What are the typical arguments against provisions of gender-affirming procedures of varying levels of evidence and reasonableness?

Sajan: Many argue that people may regret their gender affirming surgery or that they actually just need mental health treatment. All surgeries have some level of regret associated with them, and gender-affirming surgeries notably have a low regret rate among all surgeries. Additionally, many providers do require a letter of support from a mental health professional, and most surgeons will do their own evaluations of the patient’s mental stability.

Jacobsen: How have healthcare policies met the needs of transgender patients?

Sajan: In states where gender affirming care must be at least partially covered by insurance, this has helped many patients access care. However, there is still a long way to go.

Jacobsen: Do insurance coverage and healthcare funding impact patients’ odds of attaining gender-affirming surgeries?

Sajan: Yes, significantly.

Jacobsen: What are the immediate direct effects of the current social and political climate on gender-affirming care, i.e., equitability, accessibility, quality of care, etc.?

Sajan: Many patients feel more hesitant to seek care that would improve their quality of life (and in some cases, save their life). It also leads to unqualified providers or non-medical professionals offering treatments that can increase complications and make what are safe, well-tolerated procedures much riskier.

Jacobsen: What technical innovations or policy changes could enhance the quality and accessibility of transgender healthcare?

Sajan: Insurance coverage seems like the natural first step. Education for providers on gender affirming care and how best to support patients would also help improve this. Finding ways to reduce scarring, especially after FTM top surgery, would also improve the quality of the results and likely make the procedure less invasive. Most patients do not qualify for the current scar reduction surgical techniques regularly performed.

Jacobsen: Thank you for the opportunity and your time, Dr. Sajan.

Last updated May 3, 2025. These terms govern all In Sight Publishing content—past, present, and future—and supersede any prior notices. In Sight Publishing by Scott Douglas Jacobsen is licensed under a Creative Commons BY‑NC‑ND 4.0; © In Sight Publishing by Scott Douglas Jacobsen 2012–Present. All trademarks, performances, databases & branding are owned by their rights holders; no use without permission. Unauthorized copying, modification, framing or public communication is prohibited. External links are not endorsed. Cookies & tracking require consent, and data processing complies with PIPEDA & GDPR; no data from children < 13 (COPPA). Content meets WCAG 2.1 AA under the Accessible Canada Act & is preserved in open archival formats with backups. Excerpts & links require full credit & hyperlink; limited quoting under fair-dealing & fair-use. All content is informational; no liability for errors or omissions: Feedback welcome, and verified errors corrected promptly. For permissions or DMCA notices, email: scott.jacobsen2025@gmail.com. Site use is governed by BC laws; content is “as‑is,” liability limited, users indemnify us; moral, performers’ & database sui generis rights reserved.

#genderAffirmingSurgery #healthcareAccess #insuranceCoverage #surgicalInnovation #transgenderPatients

South Korea's General Insurance Association has joined a government-led campaign to raise awareness of demographic challenges, pledging to expand insurance coverage for childbirth and elderly care as part of efforts to address the nation's low birth rate and aging population.
#YonhapInfomax #GeneralInsuranceAssociation #PopulationIssue #DemographicChange #InsuranceCoverage #ElderlyCare #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=67188

Jeju Air records 99 billion won provision for damages related to fatal passenger plane crash, covered by insurance to mitigate financial impact
#YonhapInfomax #JejuAir #CompensationProvision #PassengerPlaneAccident #InsuranceCoverage #FinancialImpact #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=54428

Understanding Replacement Cost vs. Actual Cash Value

Know whether your policy offers replacement cost or actual cash value compensation.
Replacement cost covers the current cost to replace items, while actual cash value considers depreciation. 💸🔄

#InsuranceCoverage #PolicyDetails

Samsung Life Insurance emphasizes the benefits of maintaining insurance policies over cancellation, offering various programs to help customers manage premium payments amid financial pressures.
#YonhapInfomax #SamsungLifeInsurance #InsuranceContractMaintenance #PremiumPaymentBurden #FinancialPressure #InsuranceCoverage #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=52155

South Korea expands health insurance coverage for elderly, allowing 90-year-olds to enroll and extending coverage to age 110, aiming to strengthen medical expense support for aging population.
#YonhapInfomax #HealthInsurance #ElderlyInsurance #PreexistingConditions #InsuranceCoverage #AgingPopulation #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=50397

Her Mental Health Treatment Was Helping. That’s Why Insurance Cut Off Her Coverage.: Introduction:

Continue reading on Medium » https://healthandwellnes.medium.com/her-mental-health-treatment-was-helping-thats-why-insurance-cut-off-her-coverage-c3f4067037cb?source=rss------mentalhealth-5&utm_source=dlvr.it&utm_medium=mastodon #MentalHealth #InsuranceCoverage #Therapy #HealthCare #MentalHealthMatters

Intellectual Property Infringements: Legal disputes arising from unauthorized use of the Zumba trademark or playing copyrighted music without proper licensing during classes.

#RiskManagementStrategies #SafeEnvironment #FitnessBusiness #InsuranceCoverage #ParticipantSafety #RiskManagement #ZumbaInstructors

#Insurance refused to #pay for her #abortion, even when her #life was at stake

#InsuranceCoverage for #MedicallyNecessary #abortion #care in the #US is a #hodgepodge.

#Women #Transgender #LGBTQ #LGBTQIA #Wisconsin #WomensRights #Healthcare #Abortion #WomansRights #AbortionRights #Insuance #Hate #Bigotry #Discrimination #Misogyny

https://www.npr.org/sections/shots-health-news/2024/08/26/nx-s1-5068276/abortion-ban-exception-health-insurance

Liability insurance for fitness instructors serves as a crucial component in mitigating potential financial burdens stemming from legal claims or medical expenses

#StaySecure #FitnessIndustry #FitnessInstructors #InsuranceCoverage #LiabilityInsurance #CloselyMonitorUpdates #TeachDiverseDisciplines #RegularlyUpdatingCertifications #UtilizingDigitalTools #EmergencyExitRoutes

By taking proactive measures and implementing safety protocols, trainers can minimize their risk of liability claims and focus on delivering high-quality services that benefit their clients' health and fitness goals.
▸ https://safeathlete.org/personal-trainer-liability-claims/

#FitnessIndustry #InsuranceCoverage #LegalRequirements #PersonalTrainers #HelpingPeopleAchieve #KeepingAccurateRecords

Liability insurance for fitness instructors serves as a crucial component in mitigating potential financial burdens stemming from legal claims or medical expenses

#FitnessIndustry #FitnessInstructors #InsuranceCoverage #LiabilityInsurance

According to Sophos, 91% of organizations in India have cyber insurance coverage. Don't lag behind—secure your business today! Call us now to get protected.#CyberSecurity #InsuranceCoverage #InvestSmart #finvestindia #investwithfinvest

Professional Liability Insurance: Insurance coverage that protects Zumba instructors from claims arising from negligence or errors in their professional services.

#RiskManagementStrategies #SafeEnvironment #FitnessBusiness #InsuranceCoverage #ParticipantSafety #RiskManagement #ZumbaInstructors

The consequences of not having liability insurance for fitness instructors can be dire, with potential financial burden, legal ramifications, and damage to professional reputation.

Overall, prioritizing risk management strategies and obtaining adequate liability insurance coverage can help fitness professionals to safeguard their business, protect their clients, and avoid potential legal pitfalls.

#FitnessIndustry #InsuranceCoverage #LegalRequirements #PersonalTrainers #HelpingPeopleAchieve #KeepingAccurateRecords

#InsuranceCoverage

Client Info