Cure Dprp

In: Other Topics

Submitted By Asylum279586
Words 4336
Pages 18
Page 1 of 4

CURE DECISION POINT REVIEW PLAN (DPRP) DISCLOSURE NOTICE

How To Comply with the DPRP Requirements Of Your CURE Policy
The 'Automobile Insurance Cost Reduction Act' was signed into law on May 19, 1998, and it has led to changes in your no-fault (Personal Injury Protection or PIP) medical coverage. In enacting these reforms, the Legislature found that the substantial increase in the cost of medical expense benefits over the years had to be addressed by providing controls to eliminate medically unnecessary treatments, diagnostic testing and use of durable medical equipment. As a result, in accordance with the provisions of your CURE auto policy including its Decision Point Review Plan (DPRP) requirements, you have certain obligations that you must satisfy so that we may provide coverage for medically necessary treatment, diagnostic testing and use of durable medical equipment arising from an automobile accident in which you are injured. See EXHIBIT I for a copy of the DPRP section of your PIP coverage provisions. Failure to comply with the policy requirements as summarized below may affect the reimbursement for medical treatment, diagnostic tests and durable medical equipment. No decision point requirements shall apply within 10 days of the insured event or to treatment administered in emergency care.

YOUR OBLIGATIONS 1. Treatment of "Identified Injuries” 'Pursuant to N.J.A.C. 11:3-4, the New Jersey Department of Banking and Insurance has published standard courses of treatment, called care paths, for injuries of the neck and back, collectively referred to as the identified injuries. A more specific list of identified injuries is provided in EXHIBIT II attached. The care paths provide that treatment of identified injuries must be evaluated at certain intervals called decision points. At decision points, you or your medical provider must provide…...

Similar Documents

To Cure or Not to Cure

...Drug Addiction: To Cure or Not To Cure Chris G Kinney University of Phoenix Abstract Drug addiction is a huge social problem to some people feel there is no end. People either try to fight this disease or just put their hands down preferring to think that nothing could be done. This paper investigates what drug addiction really is and why some people believe it is incurable. Primarily the main focus of the work is dedicated to the issue of how this challenge may be addressed and the basic factors that would help to make the treatment work. Various visions of this problem are studied, and the conclusion is that any disease is possible to cure however the success of these actions in what concerns drug abuse is mostly dependent on the willingness of the patient to fight the illness. Drug addiction is a global social problem, a war sweeping away millions of lives and demolishing national gene pools. There is no exaggeration in this definition. It is not a disease in a common sense of this word however it’s not a usual aspect healthy people may have. Drug abuse is a complete affection of the personality combined usually with the following complications of physical health. The most significant peculiarity of drug use is that being a pathological illness it is rather nonreversible, provided those negative changes of the person’s soul and mind which happened as a reaction......

Words: 1939 - Pages: 8

Music Cures

...Music Cures Music has been a big part of my life. I’ve grown up listening to all types of music from, “80’s and 90’s music” all the way till today’s hit songs. I believe that music has the power to change people and bring them closer together. I’ve always been very passionate about all different types of music, but never understood why music to me sounds so good and why I love different genres. Music has a big part in today’s culture because it can make people happy and take away stress. When I’m watching a movie and someone in the movie has accomplished something great I always notice the music in the background, how inspiring it is and it makes me want to do something great. Last year around the middle of March an event called Round Up was taking place around west campus in Austin. I was walking with one of my best friends and he told me, “Just imagine if every corner we walked around there was some sort of happy music playing.” I would imagine the world would be a much happier place. I noticed everyone around me singing and dancing. I had no idea who these people were. I wasn’t sure exactly why these people were happy, but I know for a fact that if the music was turned off the level of excitement and enthusiasm would down. This shows how music has such an important impact on our society and more importantly on the individual. When music goes into our ears, it touches us emotionally and if it is the right type of music it will be bring happiness. A lot of the......

Words: 478 - Pages: 2

The Cure or the Disease?

...The Cure or the Disease?   Genetically Speaking: The Cure or the Disease? World Hunger today or world hunger tomorrow is the question that faces us today. We have to understand the problem we are facing. As the human population approaches the 7 billion mark and still continues to grow at an exponential rate, agricultural experts asked whether the world can continue to produce enough food for everyone. . . . people in many developing countries such as China and India are becoming wealthier and are eating a richer diet, including more meat, which requires more cropland to produce.( Turk, J., & Bensel, T. 2011) We cannot simply do nothing. We have to find new and better ways to produce food. We cannot just search for short term benefit and not research what the future may bring. Genetically engineered food could give people enough food to eat but does come at too high a cost. Genetic Engineering of Food is not the way to cure world hunger but it is a way to stop or slow the growth of hunger. The question must be answered on several different levels. We see that the yeilds of the genetically engineered food is higher but at what cost. The cost of feeding people today could mean starving people tomorrow or worse contaminating them. Genetically engineered food yeild more crops but we must examine how it is done. The plant crops are resistant to insects. Through gentic means these crops are either unappealing to insects or at worse poison to them. ......

Words: 1010 - Pages: 5

The Cure for Horrible Bosses

...They expect subordinates to be on call 24/7 and to hit unrealistic deadlines with limited resources. When the work product is delivered, horrible bosses may ignore it for long intervals, making it clear that the deadline was artifi cial and the stress unnecessary. To minimize the impact of horrible bosses, companies can ensure that performance reviews are based on objective measures, not subjective ones. They can examine tasks and workloads for relevance and fairness. They can off er training to teach respectful behavior. They can police sexual harassment and make flexibility a right. But formal processes go only so far. Employees sometimes fi nd themselves worse off when they use official complaint mechanisms. The best cure for horrible bosses is alternative relationships and collaboration. Organizations that foster strong, multidimensional relationships among colleagues weaken the control of a single autocratic boss. They make it more likely that the sins of horrible bosses will be exposed to others who can stop them. Groups caught in a horror show can end the misery by banding together to focus on goals and show compassion for one another. Jane Dutton of the University of Michigan, a leader in the positive psychology movement, has shown that simple gestures of caring can humanize the workplace and raise levels of performance. Another good way to neutralize horrible bosses is to focus on the mission and help others around you succeed. A......

Words: 609 - Pages: 3

How to Cure Bowed Legs

...How to Cure Bowed Legs Naturally By Amanda On February 12, 2012 · 13 Comments · In Beauty Life, Body My bowed legs are an all-time eyesore. I can’t wear mini-skirts (not that I want). I can’t wear ankle boots (for they draw attention to my legs). I can’t even wear shorts. I have to forbid myself from wearing this or that kind of clothing for the fear that it may draw unnecessary attention to my legs. Poor me… If this scenario looks familiar to you, I’ve got a solution! Knowing that it’s never a long-term solution for me to hide or disguise my bowed legs, I did a search online to find out what natural methods can be used to cure them so I can forget about it once and for all. And voila, I’m exhilarated to tell you: I’ve found it! This method is super easy and won’t cost you anything. All it takes is a little of time and patience. Don’t believe? Read on. 8 Steps to Get Rid of Bowed Legs First, find a strip of space in your home where you can walk straight for eight steps. I do this exercise in my sitting room. The space is not as long as I want, but enough to get the job done. Next, stand in a natural position. Hands rest on your sides. Keep your legs close to each other. Finally, imagine there is a straight line on the floor and walk backward along that line for eight steps. And in no time, you are done! Easy enough, huh? However, bear in mind a few things while you are at it: 1. Make sure you are retreating in a straight line. No curve. 2. Keep your strides......

Words: 676 - Pages: 3

How to Cure Boredom

...My Cure to Boredom There are days when I feel a sense of boredom, but I have a cure for that feeling. It then comes to mind, I can prepare my favorite food. I will now prepare “Ceviche”. Ceviche is a popular dish throughout most Latin countries. In order for me to prepare this dish, I will need to get the ingredients together. Let us see, I will need lemons, cilantro, red onions, habanero peppers, Ajinimoto seasoning, and Tilapia fish. Alright, I have everything needed for this dish. Now it is time to make “Ceviche”. First, I need to cut the tilapia fish into pieces. The pieces will be cut into small chunks or slivers. This allows for the fish to cure properly in the fresh squeezed lemon juice. Second, I need to squeeze fresh lemon juice over the pieces of fish. The lemon juice will actually cure or cook the fish. Not done yet. Third, I will now dice the cilantro. I prefer my cilantro chopped in a very fine matter. Chopping the cilantro into fine pieces allows for better coverage over the other ingredients. Fourth, I will need to chop the habanero peppers. I chop the habanero peppers in the same form as the cilantro, finely chopped. Habanero peppers are a very hot and spicy flavored pepper, so I got to be careful not to overdo it. I add this ingredient in small amounts not to overdo it; otherwise you will have a dish that most people cannot eat. Fifth, I will now add my special ingredient, Ajinimoto seasoning. This is a mild salt flavored spice......

Words: 358 - Pages: 2

Cures and Causes

...Causes & Cures In this essay I plan to analyze a dangerous disease that is infecting people through the U.S. This disease is called affluenza it is very contagious and once infected with the disease it is difficult to unseat. Affluenza us characterized as an unhealthy relationship with money, swollen expectations and trying to keep up with the Joneses. Affluenza creates stress, bankruptcies, and causes problems in relationships. Although, there are some people who have a different definition for affluenza. Many people find affluenza to be a rich man's disease and have responded by suggesting that the world has bigger problems without have to feel sorry for the rich. I would contend that affluenza that affluenza can be cured and maybe prevented. In analyzing affluenza I hope to shed insight those possibilities. There is a disease that is sweeping the U.S. at an alarming pace. It is called affluenza it is very contagious and growing at frightening rates. In 1997, an amazing 1.1 million debt plagued spenders filed for personal bankruptcy that was a 28.6% increase from '96. Economists predict another 1.6 million to file by the end of this fiscal year, (Shop 'til We Drop [STWD], 1997). These are two vivid examples of the amazing rate at which affluenza is growing. These numbers are occurring Causes & Cures despite the strong economy and perhaps because of it. With the economy in the U.S. going so well credit card companies are issuing......

Words: 336 - Pages: 2

Prevention Rather Than Cure

...Prevention, rather than cure is the major goal of any community. The society has to work together as one for disease prevention and outbreaks. How does a society manage this if not everyone is treated equally or respected appropriately? Are there solutions to this? Some ways in which this can be solved are by offering free screenings of diseases, and providing immunization. A vaccination helps in two ways. It helps the person who receives it as they now won’t get the disease, and it also helps those who don’t get it as there is now one person less capable of spreading the disease. Naturally no one is intentionally going to catch a disease and spread it. The aim is to make vaccination optional and not force anyone into getting it. It is a psychological finding that when a person is forced into doing something, it is normal for them to want to do the exact opposite. Therefore, forcing people into getting their shots is not going to work. However, offering free immunization to people who are willing to take it will go a long way. I see communities working together in preventing diseases. One of these ways is preventing the spread of diseases by offering sanitation wipes for free at shopping malls and grocery stores so that people can wipe their shopping carts before using them. The worst way to catch a disease is by picking up a chart used by someone really sick. This, in my opinion is a great strategy to prevent the spread of bacteria, because it does not......

Words: 455 - Pages: 2

Ted Talk on Cure to Cancer

...effects such as nausea, headaches, weight loss, or hair loss. The electrical field device has to be strapped to the area all throughout the day yet does not affect how people can interact in the day. Other than the fact that you have to wear it everywhere you go. I thought the video was extremely interesting and was informative. It also is a good start to an alternative cure to cancer that doesn’t really require the patient to suffer from negative side effects that stem from the process of treatment. This TED talk applies to the class because cancer relates to some of the course objectives such as recognizing solutions to common health problems (cancer). In this case the possible solution to common health problem (cancer) which could possibly be potential curer to cancer. It also apply to the course objective of gaining knowledge about health and the making of meaningful throughout life, such as using an alternative method to cure cancer other than chemo, or radiation therapy which may have adverse effects. Overall this video was very informative and interesting and a good step towards the progression of find a cure to cancer. http://www.ted.com/talks/bill_doyle_treating_cancer_with_electric_fields#t-601525...

Words: 388 - Pages: 2

The Invisible Cure

...11/13/14 H399 The Invisible Cure The Invisible Cure was written by Helen Epstein in 2007. The book is about Helen’s research in Africa about the HIV/AIDS infection, and why we are losing the fight against AIDS. It goes through Helen’s experience in Africa and the Ugandans ability to face the roaring epidemic. The story starts out telling us about her backstory and how she used to research insects, she then went to a lecture about HIV and it changed the type of research she wanted to do. Helen flies to Uganda and emerges herself in the search of a vaccine to AIDS. Within a few months of arriving, Ugandans had driven down the rate of infection through means that are both controversial and misunderstood. Epstein wrote, “I had felt like a pilgrim exploring a place where a miracle was said to have occurred long ago. Everyone had a different story about it and half the evidence was missing.” This statement reveals the mystery behind the HIV epidemic, and how it evolves and becomes resistant to the cocktail drugs. Helen makes it clear that the drugs alone will never save Africa. The health care infrastructure is lacking, too many other threatening diseases. However, the experts think that there are still possibilities of a vaccine. What the real “cure” is to have dramatic behavioral changes and prevent new infections. Epstein’s idea to stop the rate of infection is to increase the number of monogamous relationships. During her research she noticed a trend of the natives......

Words: 465 - Pages: 2

Cures for Hiv

...mother or through breast feeding. However, the virus is fairly weak and does not survive outside the body though ordinary social contact with a HIV positive person does not have a risk of infection. [22] HIV is also very variable and it can escape detection by frequently changing the shape of its antigens. Even though we cannot completely cure HIV, chemotherapy and combination therapy can be used to supress symptoms and improve life expectancy. Figure 3 shows the increase in life expectancy from 2000-2012. In 1996, when such drugs were starting to become widespread, the UK Medical Research Council estimated a 20-year-old with HIV, who was receiving treatment, could expect to live to an average age of 50. By 2008, this group could expect to live to an average age of almost 66 - a 16-year improvement. Though without treatment average survival time after infection with HIV is estimated to be 9 to 11 years, depending on the HIV subtype. After the diagnosis of AIDS, if treatment is not available, survival ranges between 6 and 19 months. [14] Gene Therapy and Bone marrow transplants are being thoroughly researched into and it may be a possible cure in the future. [17] Figure 3 http://inequalitiesblog.files.wordpress.com/2013/02/gains_in_life_expectancy.jpg Figure 3 http://inequalitiesblog.files.wordpress.com/2013/02/gains_in_life_expectancy.jpg HIV also has a considerable impact on the economics of a country by reducing the taxable population and increasing the amount of......

Words: 9575 - Pages: 39

Diabetes and Oral Healht Cure

...DIABETES AND ORAL HEALHT CURE Diabetes is a disease that is still incurable but that can be controlled by taking many precautions. If you have diabetes, you must look out for what you eat, exercise regularly, take your medication diligently, and also pay special attention to your oral health. Among the oral problems that diabetes can trigger, dry mouth (xerostomia) and infections are the main ones. Xerostomia, or lack of saliva in the mouth, can have serious consequences, including tooth decay (cavities), the appearance of ulcers and fungal infections, and the difficulty of wearing dentures and partials. Oral infections that diabetics encounter are the cause of periodontal disease. Gum disease, or periodontal disease, affects the gums and the bone that support teeth. Gum disease is more difficult to cure when you have diabetes. It is therefore important to maintain your gums healthy and have them checked regularly. Furthermore, if you are diabetic and undergo oral surgery, healing will be more slow than usual. So whether you have a tooth extraction, wisdom teeth removal, or gum surgery, you must expect longer healing time. Dentists recommend people with diabetes to have meticulous oral hygiene, by brushing and flossing preferably after every meal. It is also cautious to see your dentist for regular checkups, every three months if possible, for a tooth and gum exam, and a tartar scaling. At each visit, your medical history must be updated by informing any change of your......

Words: 339 - Pages: 2

The Unrest Cure

...unnecessary, and just a little irritating." "Perhaps," said the friend, "it is a different thrush." "We have suspected that," said J. P. Huddle, "and I think it gives us even more cause for annoyance. We don't feel that we want a change of thrush at our time of life; and yet, as I have said, we have scarcely reached an age when these things should make themselves seriously felt." "What you want," said the friend, "is an Unrest-cure." "An Unrest-cure? I've never heard of such a thing." "You've heard of Rest-cures for people who've broken down under stress of too much worry and strenuous living; well, you're suffering from overmuch repose and placidity, and you need the opposite kind of treatment." "But where would one go for such a thing?" "Well, you might stand as an Orange candidate for Kilkenny, or do a course of district visiting in one of the Apache quarters of Paris, or give lectures in Berlin to prove that most of Wagner's music was written by Gambetta; and there's always the interior of Morocco to travel in. But, to be really effective, the Unrest-cure ought to be tried in the home. How you would do it I haven't the faintest idea." It was at this point in the conversation that Clovis became galvanized into alert attention. After all, his two days' visit to an elderly relative at Slowborough did not promise much excitement. Before the train had stopped he had decorated his sinister shirt-cuff with the inscription, "J. P. Huddle, The Warren, Tilfield, near......

Words: 2239 - Pages: 9

A Cure for Aids

...A CURE FOR AIDS Abstract This paper contains information from six different articles relating to finding a cure for AIDS. These articles are very similar in results for finding an actual cure for AIDS, but up until this point there is no actual cure for AIDS. However, the information that I have conducted has indicated an antiretroviral treatment that can suppress HIV – the virus that causes AIDS – and the antiretroviral treatment can delay illness for many years. After reading many articles I found that there is many scams out their that are trying to sell a cure for AIDS, so if you have aids don’t fall for these misleading they don’t work. Many people that are infected with this deadly virus don’t even know that they are infected. Many people don’t even develop symptoms after they first get infected with HIV. Others on the other hand tend to get very sick. The person will have flu – like illness within several days even to weeks after they have been exposed to the virus. The infected person will start to complain that they have a fever, headache, tiredness, and enlarged lymph nodes on their neck. These symptoms tend to go away by themselves after a few weeks. . This asymptomatic phase often lasts for years. The progression of this disease can vary among each individual, and this state can last for a few months to more than ten years. A CURE FOR AIDS There is no cure for AIDS or the HIV infection as of today. Although antiretroviral treatment can help suppress......

Words: 2189 - Pages: 9

The Cure

...The Cure: How Close Are We from Stopping the Pandemic? Human Biology 1000 September 24, 2009 Audience: Future scientist, researches, and the general public Greetings to you all, my name is ------------------------- and I am giving a briefing today on one of human kinds biggest enemies. The object of this briefing is to inform all of you about the hope that has recently been discovered to possibly cure HIV/AIDS. One of the biggest germs of our time which is responsible for over 2 million lives lost is HIV/AIDS also known as Human Immune Deficiency Syndrome or Acquired Immune Deficiency Syndrome. There is an estimated 33 million people living with HIV/AIDS. This monster of a virus is crossing all ethnic lines as well as social classes and all age groups. It sees no color of the skin, your age or where you come from. What is HIV or by its scientific name the human immune deficiency syndrome or immunodeficiency virus: it is a modern day virus that according to some research dates back to the early 1950’s. As it grows today it has been around since the 1970’s in its current form. HIV has to forms, HIV-1B and HIV-1c. HIV-1B is mainly in the United States and HIV-1C is what we find in Africa. You can have HIV for years and not have any symptoms at all, so what are the phases of HIV? (2) 1) The primary HIV infection phase (aka as acute sero-conversion illness) 2) The asymptomatic phase 3) The minor symptomatic phase 4) The major symptomatic phase 5) AIDS...

Words: 893 - Pages: 4