Choosing the Right Health Insurance

insurance-adfleeMaking certain your physical body remains in the most effective form feasible is very important to your durability. Nevertheless, preventative treatment could likewise have a giant influence on your pocketbook. Annual examinations for your teeth, eyes, as well as physical body could be costly when you pay of pocket, which is why medical insurance could be quite advantageous. The appropriate strategy could counter your expenses with deductibles that are below spending for every little thing on your own. Having this sort of protection could additionally aid you pick a physician based upon ability as opposed to just how affordable they are. Discover how you can choose the very best prepare for your demands, so you could obtain the treatment you are worthy of.

What Are Your Requirements?

The initial point you must think of is exactly what sort of protection you desire. For instance, if you put on glasses, you need to most likely select medical insurance that dreams treatment package deal. If you are fretted about orthodontic expenses, take into consideration including orthodontic to your costs.

Many individuals opt to pay a little regular monthly costs that covers significant clinical expenditures yet does not cover day-to-day prescribed prices or physicians brows through. This is typically described as threat insurance coverage. Having this sort of protection is not real defense; rather, it gives satisfaction in instance you are confronted with a big clinical cost suddenly.

If you have clinical requirements that need you to see a medical professional often, a strategy with an economical insurance deductible (the part you pay when you utilize your protection) could be the most effective option for you. The less expensive your insurance deductible, the much more pricey your costs will certainly be. Nonetheless, throughout a year, you might wind up paying much less expense with this sort of strategy.

Just how much Have You Currently Paid of Pocket?

Compile your invoices from the previous year as well as accumulate just how much it has actually cost you to spend for your oral job, yearly tests, and also glasses expense. Without medical insurance, these bucks accumulate. Search for a strategy that matches within the spending plan you have actually currently invested over the in 2014 that likewise satisfies the clinical demands you have. This will certainly aid you conserve cash and also obtain a respectable suggestion of exactly what you could genuinely manage.

Obtaining medical insurance allows you other very easy recognizing that you could obtain high quality treatment whenever you need orthodontic, vision, or basic physician brows through. Prior to picking merely any sort of strategy, you have to establish your demands as well as just how much you could pay for.

Social Innovation Competition

Learn more about the 30 Semi-Finalists of the 2nd edition by clicking through the numbers below.
Finalists are highlighted in green, with Semi-Finalists in grey and winners in red.

The Competition was launched by the European Commission in memory of Diogo Vasconcelos. The aim is to find the best social innovation solutions to help people move towards work or create new types of work.

About the competition

Over 25 million Europeans are out of work. On top of that, many people are stuck in low-paid jobs or sense that they have few opportunities on the job market – sometimes because of their gender, age or a handicap.

This Competition invites any European to come up with new solutions to create new opportunities for work, and for better work. Not doing anything about unemployment and under-employment is not just cruel and wasteful; the corrosive effects of high unemployment will cast a shadow over the economy and our society for years to come.

The second Competition was launched on 11 October 2013. This edition keeps the same focus, the Job Challenge – to help people move towards work or create new types of work. The following rules apply.

Finalist 09

From waste to wow! Take the superior quality of Made-in-Italy products, add a small team of in-house fashion directors, and blend with the creativity of local designers. Do not forget the expertise of specialised tailors. And THE secret ingredient, of course, QUID.

Combining chic and social, boosting local employment with a new fashion brand that is 100% ecological, young, smart, irresistible and affordable? QUID, a new, independent Made in Italy brand, creates affordable, limited edition collections assembling and restyling first-quality unused materials from established ‘Made in Italy’ brands in partnership with young emerging designers whilst employing exclusively disadvantaged women.

Our strength as a fashion brand resides in our products. We want love at first sight between customers and our creations.

QUID’s creative team handpicks budding talents amongst local, independent designers envisaging new way to revisit unused materials from QUID’s partners – major high-street Made-in-Italy brands.

QUID employees – women from disadvantaged backgrounds – benefit from on-going sartorial training from qualified teachers and carry out hand-made restyling according the highest standard under the careful supervision of the creative team.

QUID materials – QUID treasures good-quality, beautiful, and unique materials. For our creations we select only the best, unused first quality materials and fabrics and prevent them from ending up in waste bins.

QUID customers – our customers are guaranteed a 100% ecological item, because made of recycled scraps. The quality of the materials is however superior. Our supply chain is rigorously local.

QUID brand partners – by converting unused scraps into unique creations in a smart, environment-friendly and fashion-savvy way QUID help partner brands optimise their waste-disposal strategy while offering them a concrete formula for effective social responsibility.

Finalist 15

Farmers’ Markets Online

Food Supply Unchained

We support small-scale farmers and a healthy nutrition by developing the shortest possible food supply chains – so short they are just direct links. No chains anymore!

Our idea works by creating webshops for traditional farmers’ markets that support cost-efficient combined shipment of everything a customer orders on one market’s webshop. The market effectively acts as logistics hub, both for self-organized regional same-day delivery, national parcel service delivery, and Europe-wide delivery to other farmer’s markets (acting as distribution hubs).

This model re-establishes the viability of traditional, small-scale food production, and allows these businesses to create new jobs.
Why does Europe need this?

Let’s use Germany as an example: in beginning of 2011, 85% of food sales were done by just the biggest four national food chain companies [source]. Now it’s probably even more. This powerful position of retail chains means that:

It is hard to near impossible to found an independent food retail business over here.
Farmers and small producers are forced to sell to these big retail chains, but often can’t because they are either not admitted or price pressure is just too much, while …
all profits go to the retail chains and intermediary merchants, while producers get very little and …
consumers often get to pay much higher than necessary prices, which forces cash-scarce consumers to buy cheaper, less healthy or even industrial, unhealthy products while at the same time …
up to a third of the food products are wasted as they move through this long supply chain.
Finally this high market concentration favoring big players also severely inhibits the access of small-scale producers to the European Single Market: during visits to trade fairs in Catanzaro and Avellino in the end of 2013, we experienced the urgent desire of Southern European producers to export to (say) Germany, but not finding a way how to …

Due to all this mess, several organizations experiment with direct sales solutions; a notable example is the Greek no-middlemen movement. Such solutions usually are framed as local food production: direct sales in the local area. This is great, yet does not solve the whole issue: export as exchange between agricultural and industrial regions is still needed in the European economy in its current state; and occasionally tasting other countries’ cuisine is a desirable feature too :-)

That’s why Epelia’s concept, as proposed here, is about integrating local sales solutions into a pan-European logistics concept tailored for small-scale producers and direct sales.
How does it work?

Our central idea is to use (or re-vitalize and use) the traditional weekly farmers’ markets. They serve as an established meeting point of local farmers already, which makes them a great choice for a logistics hub for regional and international shipping. Which means that a customer ordering goods from all the farmers on one market only gets one parcel, so only pays shipping costs once. Most farmers on these markets do not have a website or even webshop, so helping them to get their products online into a shopping portal is likely to re-vitalize these beautiful markets, adapted for the Internet age.

There are some additional benefits coming in as side effects:

Local job creation. Both the tasks of the farmers’ market online facilitator and the regional shipping would mean local job creation in so far disadvantaged regions. But the bigger source of new compensated work / jobs will be the increasing sales of small-scale producers. (This new system also destroys some jobs at the side of the current big players; but the effect is still a net gain in jobs, as it mostly destroys capital gains and non-EU jobs for previously imported food, and also need more jobs for the same output due to lower automation.)
Cheaper regional shipping. Shipping from a farmers’ market as a logistics hub does not only enable cost-efficient national and international parcel / pallet shipments, but also cheap regional shipment. It’s a home delivery option for those who cannot come by themselves. This can either be done by a regional shipment provider, or directly by the person facilitating the online integration of the farmers’ market.
Outcompeting supermarkets by home delivery. Home delivery of food purchases is an emerging trend in both the U.S. and UK so far. Given some time, it may well be that this becomes the default mode how people want to buy their food, with comfort by “buy ingredients for this recipe” and “bookmarked and recurring orders” features. However, while brick and mortar markets are ill adapted to this trend, it does not require any significant capital for old-fashioned farmers’ markets to take up the newest hype …
Attracting attention with special offers. Farmer’s market dealers usually do not have flyers, newsletters of other merchandise material about their special offers that could attract additional customers. But when all their products are listed online on a food shopping portal like Epelia, potential customers can easily look up all offers of the next market day, and also receive newsletters about special offers.
International direct (whole)sale. This concept also makes international shipment for direct sales a viable option, at least for wholesale customers. The Epelia platform already includes a separate wholesale area, where institutional customers can order larger amounts. This is still too expensive for direct import if it’s only one parcel (since food is heavy for its price!), but becomes viable by using the option to order from multiple dealers at once, and get all shipped combined on a pallet.

Thoughts and comments? It’s all still baking and we are grateful for your input!

Finalist 30

YouRock – youth employability that rocks!

YouRock.Jobs is an online youth employability network for Europe. It helps people with no employment history or few qualifications to create a strong dynamic profile.

Why is it needed?

In January 2014, the EU youth unemployment rate was 23.4%. Overall, around 7.5 million people in the EU between 15 and 24 are not in education, employment or training, which has sparked talk of a “lost generation” and fears of social unrest. Young people in countries with high rates fear that unemployment is their destiny, and they may never find work.

At the same time they avoid career networks like LinkedIn; only 13% of young people use it and only 7% intend to. They say, their profiles look weak and incompetent and their friends are not there. However, employers increasingly look at LinkedIn when reviewing prospective employees and often use it directly for recruitment.

YouRock will fill the gap and offer the tool which will facilitate their employability.

How is it different?

It’s based on a ‘personality-type-test’ where young people can discover their work skills hidden in their everyday activities and gives them the vocabulary of business to describe them. For example, if they were backstage support in a performance they may have organizational or logistics skills, or if they are on a school council they may have negotiation and listening skills.

The system creates a personalized ‘diamond’ graphic that presents the primary skills of the individual that means users with no employment history or few qualifications will not be disadvantaged.

In addition, the user can makes links to content showing their skills, which trusted adults can endorse. It will act as a career profile bridge for young people before they have a stronger history of employment.

It will also enable them to see that ICT could be a career path for them.

YouRock will help SMEs, entrepreneurs, and large ICT employers to find new people with the right skills.

Who are we?

We are an agile diverse team across Europe with long history of working with youth networks and national and Pan-European digital inclusion programs. The site is being developed by one of Commissioner Neelie Kroes young technology advisors in Romania. The concept is supported by telecentre networks in Europe, which provided translation and localization into national languages and will promote and use it in their work.

What has been done already?

The prototype was developed in a hackathon by young people in Lithuania and paid for by crowdfunding. Liberty Global, the largest international cable company with operations in 14 countries, has invested for the first release.

The site is going live in March 2014. YouRock.Jobs will be launched in 13 languages and promoted by a wide partner network including over 1000 ICT centres.

What’s next?

Its ongoing business model includes sponsorship and advertising.

The prize is really needed to enable further innovation, adding more features, like native apps, dual language profiles and more languages.

In a year we want 100,000 young people to look in the mirror and think “You ROCK”.