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How to remove unpaid medical accounts from credit reports can help consumers

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New York (AP) – lenders will not give you the chance to consider unpaid medical accounts for a credit history factor once they assess potential borrowers within the US for mortgage loans, automotive loans or business loans, in accordance with the principle Consumer Fundamental Protection Office finalized on Tuesday.

Removal of medical debts from consumer credit reports It is anticipated to increase the credit results of thousands and thousands of families by a mean of 20 points, said the office. CFPB claims that his research has shown that outstanding claims regarding healthcare are a weak predictor of somebody’s ability to repay the loan However, they are sometimes used to refuse to have a mortgage application.

Three national credit reporting agencies – Experian, Equifax and Transunion – said last yr that they remove medical collections below USD 500 from American consumer loans reports. The recent principle of presidency agency goes further, prohibiting all in arrears to medical accounts appearing in credit reports and prohibiting lenders to use this information.

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The principle enters into force 60 days after publication within the federal register, although President Elek Donald Trump proposed broad changes and limitations of the CFPB regulatory range.

Here’s what to know:

How many individuals will affect it?

CFPB estimates that the principle will remove $ 49 million in medical debt from credit reports of 15 million Americans. According to the agency, one in five Americans has at the very least one debt collection account by way of their credit reports, and greater than half of the gathering entries in credit reports concerns medical debts.

The problem disproportionately affects colourful people, said CFPB: 28% black and 22% Latinos within the US carries medical debt compared to 17% of white people. While national credit reporting agencies have voluntarily agreed to ignore medical debt below USD 500, many consumers are much higher than this threshold of their reports.

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What will likely be the impact of consumers?

CFPB claims that its operation will provide thousands and thousands of consumers to increase access to loans and can lead to approval of about 22,000 additional mortgages a yr. According to the office, Americans with outstanding medical accounts can make their credit results increase by 20 points on average.

The rule was also developed to increase the protection of privacy and help collectors of debts before using the credit reporting system to force people to pay bills that it shouldn’t be to blame. CFPB has found that consumers often receive inaccurate bills or asked to pay bills that ought to be covered by insurance programs or financial assistance.

Moreover, lenders will likely be excluded to use information on medical devices, similar to prosthetic limbs, in order that they serve them as a loan collateral and acquiring acquisitions, in accordance with the CFPB announcement.

How do supporters react?

Non -profit organizations within the healthcare space are satisfied.

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“This decision is great news for everyday Americans,” said Carrie Joy Grimes, the founding father of the Personal Workmoney finance organization. “Medical debt is not a reflection of bad with money – each of us can experience illness or injuries. Thanks to this new principle, Americans will now be able to focus less on the load on medical debt, and more on returning to their feet. “

Patricia Kelmar, director of the Health Care Campaign on the American group of research on public interest, said that the rule would help “many financially responsible families who have accumulated medical debt from unpredictable health problems, high costs from their own pocket, denying insurance claims and errors settlement. “

Sheryl Lee Ralph reaches its largest milestones at the age of 60; Now he tells the fans

What must you do after receiving the high medical account unexpectedly?

One sec High medical accounts are common within the USAIn this for natural individuals and households with insurance, there are relief.

First, determine whether you qualify for charity. Federal law requires non -profit from reducing or write off accounts for people depending on household income. To determine in case you qualify, seek for the Internet to hospital or healthcare with the phrase “charity care” or “financial assistance policy”. Dollar of the Non -Profit organization also ensures Simplified online tool for patients.

Then the appeal based on the provisions of the NO Surpises Act, the Federal Act, which claims that insurance firms must correctly cover all services outside the network related to the emergency and certain medical care not related to independence. If you might be charged greater than you might be used to or expect whenever you receive services online, this account could also be illegal.

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In addition: all the time ask for a special bill. Medical interaction is notoriously complicated and filled with mistakes. A special bill is included within the settlement codes of all received care. If something is between these codes and care, questioning the bill can bring changes.

Another approach – a comparison of the account with the estimates of insurance firms regarding a good service fee can also help. If the worth you downloaded is greater than the common, you can reduce costs. You can even take the supplier to court in small claims in reference to the divergence – or inform him concerning the case.

Finally, all the time compare the “explanation of benefits” of the insurance company with the bill. The hospital act must correspond to the reason of the prices which might be covered and never covered. If this shouldn’t be the case, you will have a unique reason not to pay and ask the supplier for further work with the insurance company.

Even after taking these steps, you can all the time appeal against health claims in an insurance company, in case you think there may be any reason why the accounts ought to be completely or greater than the corporate initially decided. You can also contact your insurance commissioner for support.

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(Tagstranslat) medical debt

This article was originally published on : thegrio.com

Health and Wellness

Doechia creates a story with the best rap album in 2025 Grammy Awards – Essence

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Doechia accepts the award for the best rap of the album for “Alligator Bigtes Never Heal”. Photo: Kevin Winter/Getty Images for the Recording Academy)

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The 67th Grammy Awards have already been prepared for the night of unforgettable moments, but a story was created when the name of Doechia was called to the best rap album. When the crowd exploded, it sat frozen for a moment, the burden of the moment settled. She officially strengthened her place in Hip-Hopie-I History music.

Presented by Cardi B, the award meant a breakthrough achievement – Doechia became only a third woman who won in this category, following the footsteps of the two best in the industry. When she got here to the stage, her emotions flickered her face – shock, joy and gratitude.

Doechia creates a story with the best rap album in 2025 Grammy Awards
Los Angeles, California – 02 February: Doechii (R) receives an award for the best rap of the album for “Alligator Bigtes Never Heal” on stage during the 67th annual Grammy Arena Award at Crypto.com Arena on February 02, 2025 in Los Angeles, California. (Photo Johnny Nunez/Getty Images for the Recording Academy)

Taking the microphone, she agreed and talked with conviction. “I don’t want to do so long, but this category was introduced in 1989, and three women won: Lauryn Hill, Cardi B … and doechia.” The audience broke out.

She continued and her voice is fat with emotions. “I exposed my life in this mixtape. I went so much. I devoted myself to sobriety, and God told me that he was rewarding me – he told me that he would show me how good it could be. “She thanked her mother, team, her label and swamps, a loyal fan base that raised her to that moment.

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Before leaving the stage, she turned to the cameras. “To every black girl watching: you can do it,” said Doechia. Do not let anyone say otherwise. You are exactly who you might have to be. “

This article was originally published on : www.essence.com
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Health and Wellness

Candice Ray is pioneering for seniors with personalized support

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Healthcare, seniors, in-home care, Medicare, assisted living


Healthcare, seniors, home care, medicare, auxiliary life

Source: Photo provided by Candice Ray

Born and brought up in northern Philadelphia, Candice Ray understands the challenges faced by incapable communities in access to high -quality healthcare. Her journey began at 16 years when she landed in the primary summer work in a nursing facility. This experience ignited her passion for patient care, healthcare operations and telling the elderly. This early exhibition put her on the strategy to fill the gap between technology, politics and compassionate older care at home.

With a master’s degree in health care and the title of Bachelor’s Healthcare Administration on the University of Saint Joseph, Ray gained precious experience in outstanding health institutions, akin to Montefiore, Mount Sinai and Temple Health. Her knowledge of the implementation of EPIC systems, claims processing, providers of certificate and patient movement strategies, she positions her to support seniors.

Recognizing the growing challenges in older home care, Ray took the initiative. In 2019, she founded Helping Hands Warming Hearts LLC (HHWH), a corporation that gives nutritious meals, providing health support and offering medical transport services.

Black company She talked with Ray in regards to the impact of healthcare policy on care for seniors, her holistic approach to well -being and personalization required for home care.

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Impact of healthcare policy on nutrition and care for seniors

Recent changes in healthcare policy, particularly the extension of Medicare and Medicaid, have increased access to home-based home-based services. Centers for Medicare & Medicaid Services (CMS) Now he recognizes that aging on the spot is often more profitable and helpful to the mental and physical health of seniors.

“The government realizes that keeping seniors at home with proper care is more balanced,” explains Ray. “We are prepared to satisfy this demand thanks to services that ensure that seniors remain healthy and independent.”

The rising costs of food as a consequence of inflation hindered the financing of older meal programs. Ray is still in favor of constant investments in food programs to supply access to all those in need.

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A warm meal with a private touch

One of the outstanding agency services is Cuisine Cuisine, a meal supply program, which offers nutritionally balanced meals adapted to their dietary needs. “We treat our seniors as a family,” says Ray. “We want to provide them with meals that seem at home – a cart, comforting and nourishing.”

The program begins with an assessment of consumption to document dietary restrictions. Then the participants select from various menu options, including international vessels, to be sure that they feel switched on and valued. This personalized approach makes the outflow kitchen a key element of the agency’s mission of supporting the well -being of seniors.

Strengthening independence in personalized care

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HHWH emphasizes independence by equipping carers to support self -sufficiency while providing the obligatory support. “Care at home involves balancing independence and help,” says Ray. “We offer tools and resources that seniors must feel authorized, whether through support devices, community involvement or personalized care plans.”

Encouraging known routines and day by day activities, caregivers help seniors maintain trust and independence, enabling them to proceed their lives.

Holistic approach to health and well -being

HHWH goes beyond standard home care, providing health tests, transport services, personal care and company. “Healthcare management can be overwhelming for seniors and their families,” says Ray. “Our goal is to simplify this process by serving as a comprehensive consistency for home and social services.”

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Thanks to the prolonged policy of teens, more seniors can now access virtual medical consultations, reducing the necessity for unnecessary travels. “We include the teeth support in our home care model,” divides Ray. “This guarantees that our clients receive timely medical care without additional risk.”

As the prices of transport increased, ensuring that seniors can take part in medical visits stays a priority. The agency cooperates with decision -makers as a way to tell more financing and resources for older mobility programs.

Adaptation to developing needs

HHWH consistently adapts his services through regular health assessments, guardian training and open communication with clients and families in a rapidly changing health care landscape. “We are building strong relationships with our participants,” says Ray. “Thanks to consistent monitoring and education, we adapt our care to provide the best results.”

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Ray also doesn’t sustain with industry trends, including revolutionary techniques and technologies to enhance services. With a federal emphasis on higher financing for healthcare at home and increased control of long -term care facilities, she believes that agencies like her are more necessary than ever. “The future of care for seniors is home care,” says Ray. “We are prepared to ensure high quality, comprehensive support that allows seniors to be aged with dignity.”

(Tagstotransate) Healthcare

This article was originally published on : www.blackenterprise.com
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Health and Wellness

Taniaka Ray wants black pregnant women to know all their options

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When Taniak Ray first learned that she was pregnant at the tip of 2013, she was in disbelief. The host of television and podcasts has never seen motherhood for himself, focusing more on his work within the industry than on the beginning of a family.

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“I never really thought I would be a mother,” Ray recalls. “I thought,” Okay, I’m knowledgeable woman. ”

“There has never been a fence of pickets, husband, child. It has never been – he adds. “My dream was to be the boss of a girl and travel world wide, have experience and give you the option to write this book once I am 60 years old. It was a goal. ”

In addition, Ray did not likely think that he might need a toddler. After greater than 20 years of contraception, she didn’t remember her life without him for thus long, she decided to quit the chosen method, because she assumed that on the age of 42 she was in light.

“God decided to do miracles,” he says.

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Although it was never a part of the plan when Ray knew that she would bring life to the world, she took it very seriously. She tried a discreet in news (that’s, so long as Oprah touches her tumor on the Essence Black Women in Hollywood in 2014, spending time learning, joining with the unborn child within the womb.

“In the case of motherhood, there are so many unknowns,” he says, noting that her relationship with the kid’s father ended at the moment. “All I had to On anyone else – he says.

She had the support of a black woman Ob-Gyn, which for a while made every little thing less stressful.

“There was a connection there,” he says. “I feel that I did not have to worry that my life will be taken by irresponsible medical performance. I knew she would have my back. “

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In the panties of an enormous girl, Ray was calm when she was preparing for her biggest role. And then she wasn’t. From nowhere, she got sick while pregnant and a lump formed on her neck. When she went to a specialist, she found herself in an offensive way.

“Ear, nose, throat, the doctor was a white guy. And he immediately says: “Do you’ve gotten AIDS?” I said, “What? What are you talking about? He says: “Well, your white blood cells are low.” And I say, “I don’t know.” He forced me to get the AIDS test before we went further, wondering what was on my neck. And I used to be so offended – he says. “I returned to my OB, which has nothing to do with my neck. He is the only black doctor I have. And I’m going – he asked me if I had AIDS. And she says: “What?! Wait, wait, why? I said, “White blood cells.” He says: “Honey, black people have lower white blood cells than white people.” If he were on this topic, it would not be an issue. I would not be humiliated. I would not have to go to the AIDS test. They will be so uneducated when it comes to us. “

Then within the fortieth week of pregnancy her Ob-Gyn told her that her child had to leave. She was induced and received pain for pain. Things soon became chaotic. Her delivery room was quickly stuffed with individuals who told her that the well -being of her child, her daughter, was violated due to the changing heart rate of the kid. After informing that she would have to push, the overwhelmed Ray dived and pushed her daughter in 10 minutes. The hectical scene stays together with her almost 10 years later.

“I think that if it wasn’t for my black Ob-Gyn, who managed the charge, I would be in tragic straits, because she was like a” heartbeat, something is flawed “-meets.

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“For me, blood pressure has dropped, her heart rate has dropped. I didn’t know what was going on. I only knew that the people who were there did not make me feel safe – he adds. “I only know that if I wasn’t my black Ob-Gyn, I do not know if I can be here. Because I remember I heard: “You have to do it!” And she is solely a voice of reason: “Stop! Keep tight. Let me see if the child is ready. The remaining 45 people stop there to tell her the truth, this truth kept me alive and my child alive without problems. “

Ray, who’s now host of the podcast, a sanctuary for Mommy Collective, now encourages black women to pregnant in a way that’s best for them. Look for help dulas or midwives. Check if delivering at house is the correct alternative for you. Discover all options to get one of the best result.

“Of course I broke. They will sew you without numbness. It’s crazy what they do with women – he says. “When you go, you realize the way it is a barbarian and the way they’ve not modernized him. And for my part, if I had to do every little thing, I might have doula. I can be at my home. I had all the individuals who seem like me, you care about me and my offspring around me. “

In addition, she is not any longer occupied with counting on traditional medicine and hospitals to meet her needs. After her experience within the family, Ray decided to take health care in her own hands. Nowadays, he sees an Iridologist who reads the blood vessels in the attention to indicate all health problems or sensitivity. He can also be a supporter who knows his own body well.

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“I feel that every time we take our medical care or health in our own hands, we save lives. And it goes for every day, “he says. “Please, women, discover other treatments outside the medical system. This is the same medical system that told you: “You do not feel pain. You are tough. You haven’t got to deal with them in a way that’s worthwhile. And so I at all times say that when you are here to be healthy, when you are a girl who wants to have her own body and have your individual health, you have to do something except what they let you know. “

“When there is something that feels unusual, examine it. Find out what the best way is to deal with it. And not always Western medical care we have in America – he adds. “As we will see, we should not a priority, so now we have to stop. If we do the identical, expecting a unique result, we’re crazy. We have to resist something else. “

He supports the way in which women resolve to deliver children and who resolve to bring them to the world. Her black Ob-Gyn modified its difference in his own situation. However, he believes that until the normal medical system would improve the methods, the expected black moms and black women need to see what else is to discover what will likely be best.

“When you rely on other people to tell you what is best, it’s terrifying, it’s dangerous. You put your life in the hands of other people – he says. “Of course, study, research, education, really have a powerful relationship with yourself to know when it is vitally dangerous, and you would like to search for an authority and when it is feasible to master and it’s a matter of eating something different, drinking more water, saving saving saving , saving, saving. “

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“We must take over the agency for control over our bodies and the way we move in this world,” he adds. “I know that these doles and these midwives appear everywhere. And I say I hire, consult them. Check if this is a better, more reliable option for you. I really want to encourage women, do something else. I know it’s not easy. It assumes more research, time, care, but it’s worth it. “

This article was originally published on : www.essence.com
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