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In the 1980′s insurance write off and accident information was added to the data held by the HPI group, followed by used car mileage data from the National Mileage Register. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. On Easter Sunday, my husband and I got together with a bunch of friends and took the kids for the annual egg hunt at the neighborhood park.
Suddenly, he started to itch all over and then right before our eyes, he began to inflate like a big red balloon.
Are those profits more than what people value from their last concert ticket or sporting event? Did you ever think that those people who pay higher rates for insurance are HIGHER to pay for those that can’t pay for their own insurance or don’t have any?
Please have more of an educated argument and not an emotional one and leave my ultimate judge to the afterlife to the one person that has the only right to judge. First of all check the annual report of a hospital,clinic,etc you will see a huge Profits each year. W?ith new concerns over the effects of the Affordable Care Act (ACA)[1] on access to care and continued frustration with third-party reimbursement, innovative care models such as direct primary care may help to provide a satisfying alternative for doctors and patients. Direct primary care could resolve many of the underlying problems facing doctors and patients in government and private-sector third-party payment arrangements. In general, direct primary care practices offer greater access and more personalized care to patients in exchange for direct payments from the patient on a monthly or yearly contract.
This approach would enable doctors and patients to avoid the bureaucratic complexity, wasteful paperwork and costly claims processing, and growing frustrations with third-party payer systems. While the rapid growth in direct primary care is a relatively recent trend, policymakers could help by eliminating barriers to such innovative practices and creating a level playing field for competition. Query – a CT scan can be had in the UK for less than $300, so why do they costs thousands in US? I don’t understand all of the people here who seem to think that the bill was justified because of the potential risk of death.
The true issue here is that in many cases, it is IMPOSSIBLE to find out what the costs will be before you agree to accept service. I explained the situation to the receptionist and asked how much it would cost to be seen by a nurse. The nurse saw me, poked my lip with a qtip, and said it looked fine and I don’t need stitches. So when you ask about selling the desk, the price you should have know from your insurance plan. If you are so confident, next time you have a problem bring your own ACE screws to the OR with you and have the surgeon use those! I am sorry that you are so upset but I can see that your emotions are not lending to a conversation.
So even you, as a physician with admitting privileges at a hospital, can’t give me a straight answer when it comes to the cost of the service a hospital renders? MOONLIT ROAD ENTERTAINMENT - Latest News April 19, 2015 - New COLD DARK MIRROR trailer debuts We are stoked to finally premiere the newest official trailer for our third animated feature film, COLD DARK MIRROR, making its premiere online this month. To book a free Halls Electrical winter health check for your vehicle simply complete the following form. The event is organized by the Louisiana Highway Safety Commission and the National Highway Traffic Safety Administration. As the little ones were scrambling around for the eggs, we parents stood on the sidelines discussing their antics, the weather and the latest gossip. Considering that it was the Easter Sunday, we thought nothing would be open and rushed him to the closest emergency room. And then one day after my husband left for work and my daughter was in school, I settled down in a sofa with my phone and the bill. This time, however, I got lucky and ended up talking to an extremely kind and sympathetic lady.
I could offer you 30 days to pay it or let you pay it in six equal payments, but that is as far as we can go.
It’s a lot more than what I would have liked to pay, but also a lot less than what I would have paid had I not picked up the phone and negotiated! I learned later that going to an urgent care facility, which is usually open on weekends, might have resulted in a much lower bill.
I’ve recently been reading a lot of Dale Carnegie and Napoleon Hill’s books and so, I decided to let myself calm down before making the phone call and venting out my frustration.
Savings interest rates may be low, but that is all the more reason to shop for the best rate. Yes, there are losses with negotiated amounts and people not paying ,but even with the so called losses there is still much profit.
Doctors paid directly rather than through the patients’ insurance premiums typically provide patients with same-day visits for as long as an hour and offer managed, coordinated, personalized care. It has the potential to provide better health care for patients, create a positive work environment for physicians, and reduce the growing economic burdens on doctors and patients that are caused by the prevailing trends in health policy. Physicians can evaluate the needs and wants of their unique patient populations and practice medicine accordingly. It can also cultivate better doctor–patient relationships and reduce the economic burden of health care on patients, doctors, and taxpayers by reducing unnecessary and costly hospital visits.
At the state level, policymakers should review and clarify existing laws and regulations, repealing those that impede these arrangements.
Never been asked to pay a penny for any treatment including angioplasty and ongoing treatment for lymphoma. That is one of the factors why hospitalization is so expense: the billing department gets to make up its own prices based on questionable formulas.
As soon as we receive this our staff will give you a call to confirm a date that’s convenient for you to book your vehicle in to our Swindon workshop. My husband, who is extremely allergic to ant bites, happened to be standing at the edge of an ant hill. After a shot and an hour of observation, they sent him home, hale and healthy, to enjoy the rest of the weekend with our friends.
Since we have a high-deductible insurance plan, the entire portion of the bill was our responsibility!
But this happened just the month after I’d quit my job, and I was not going to spend a chunk of my savings on an ant bite.
When I failed miserably to appeal to her sympathy, in frustration, I asked her if she could provide me the hospital’s direct number.
Call up the billing number and ask to be connected to the business office and see if they can help you reduce the bill. I suspect this helped persuade the lady on the other end to show me (despite my slowness in catching on!) that it’s possible to negotiate a medical bill.
Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, and more. Medicine is big business first benefiting Ceo’s then shareholders,then doctors, nurses ,etc.
Direct primary care—also known as “retainer medicine” or “concierge medicine”[2]—has grown rapidly in recent years.
With some specific policy changes at the state and federal levels, this innovative approach to primary care services could restore and revolutionize the doctor–patient relationship while improving the quality of care for patients.
At the federal level, policymakers should consider facilitating greater access for patients to direct primary care through the federal tax code and also within existing federal entitlement programs. As a physician and one who should be more familiar with the system than your patients, one wonders why you haven’t cut through the muck of bureaucracy to actually find out what procedures cost.

Our award-winning, festival loving horror short MASSACRE AT FEMUR CREEK is now available for purchase on DVD for a great low price. Use this form too if you just want to know more about this service ( use the comments field at the end).
I don’t mind paying a doctor for a complicated procedure – they sure do earn their fees. But considering it's an homage to 80's slasher movies, we are proud to announce the film will also be getting a release on VHS format, which is the perfect way to commemorate our little film.
They can ride their high horses now robbing people,but when their time comes they WILL have to answer to a Higher Source.
We are incredibly proud of the film and are hoping it will match (if not surpass) the success of its predecessor, the mutiple-award winning ARCHON DEFENDER. Also take into account people like the original poster that decides not to pay their bill and those cost again get spread to others to cover cost.
The official DVD artwork is below, along with some of the links where you can either rent or purchase the film. It's been a while but we've returned with plenty of activity over the last few months and a big apology to our fans for our tardiness in updating the website since the summer. This will change in the coming months as we have a few new projects in release and upcoming projects that will surely generate much buzz as we aim to unleash them onto the unsuspecting world. Producer Morgan Muscat supplied us with this cool picture of his trek through Cinema 1 at Burlington Mall and the discovery of ARCHON sitting within some pretty good company.
Help support us by picking up your very own copy and continue to spread the word of our multiple-award winning animated masterpiece.  August 3, 2014 - MASSACRE AT FEMUR CREEK trailer!!! Exciting news to report today.
The first official trailer from our latest short film, MASSACRE AT FEMUR CREEK, has been unveiled online via writer-director Kyle Hytonen's You Tube channel.
To check out the hilarious 80s homage to slasher films, click on the image below and experience the madness.  July 21, 2014 - Production wraps on MASSACRE AT FEMUR CREEK!!! The four day shoot on MASSACRE AT FEMUR CREEK concluded early this morning as the principal cast and crew completed scenes in Dundas, Ontario, Canada. We are excited to be collaborating with award-winning filmmaker Kyle Hytonen and his A Henry Krinkle Production company on this fun little short film. Enjoy the picture below of actor John Migloire in character as The Shape and keep checking back for more updates on the film's completion and release date.
Enjoy!  July 12, 2014 - New COLD DARK MIRROR poster debuts! Feast your eyes on the newest poster for the upcoming animated feature film COLD DARK MIRROR.
Filming has commenced in Hamilton, Ontario and Burlington, Ontario under the direction of Hytonen and starring John Migliore and Heather Dicke. Recently, the film launched a campaign on Indiegogo to raise $1100 and wound up (to date) collecting a surprising $2414.
Check out the teaser poster below and visit the Indiegogo campaign for more info about the film. Be sure to check back soon for more updates.  May 26, 2014 - Exclusive Car-Free Festival video premiere, right here!!! Hello everyone. As we continue to develop short and feature films, as well as promote our new demo reel feature, we are hard at work promoting local artists and community events.
Such is the case with the upcoming June 8th Car-Free street festival happening on Palladium Way in Alton Village. We are proud to be a part of this amazing community event and are happy to finally unveil our freshly completed new video to help raise awareness of said event. We were approached a few weeks back to create this video by local artists and have done so using footage from last year's event. Enjoy the world exclusive premiere of the promotional video by visiting this link or check it out via our WELCOME page. Enjoy and see you on June 8th for a meet and greet with filmmaker Morgan Muscat.  May 10, 2014 - Moonlit Road Entertainment participating in 2014 Car-Free Street Festival!!! On Sunday, June 8 between 1 to 5pm, the City of Burlington will be hosting some Car-Free Street Festivals around town. We are excited to formally announce that Moonlit Road Entertainment has the privilege of being among the many talented artists and vendors at the Ward 6, North Burlington festival. The event will be held on Palladium Way, between Walker’s and Appleby Lines, in Alton Village. Please feel free to visit the Ward 6 Car-Free Street Festival page on Facebook for more information about the event. See you there.  April 16, 2014 - TDWAY is an Official Selection at the 2014 Sudden Impulse Film Festival Excellent news to report. Our tiny horror-film noir short film THE DEVIL WALKS AMONG YOU recently added another festival date to its successful roster, this time for the 2014 edition of the Sudden Impulse Film Festival in Toronto, Ontario, Canada. We are excited to promote our award-winning title yet again and hope that people turn out to support great independent films such as this one.
The screening happens on Saturday May 10th at the Big Picture Cinema on Gerard Street East at 8:30pm. Not only are we focused on inspired filmmaking and photography opportunities, we are how branching out into offering services for Demo Reels. We understand just how important a demo reel is to emerging and talented filmmakers and actors, so we are offering top-notch, professional service along with affordable prices to help showcase what you have to offer the world. If you are looking to have us create your demo reel or are merely wanting to browse around, we invite you to check out our newly added DEMO REELS page where you can look into our rates and what we can offer you.
With ARCHON DEFENDER currently in distribution around the world, distirbution plans ramping up for ORIGIN: A CALL TO MINDS and production underway on COLD DARK MIRROR along with a slew of short film projects in development, we trust that 2014 will be our busiest year yet. And we hope for your continued support as we grow and expand into different areas, which will be announced soon. From all of us at Moonlit Road Entertainment, we welcome 2014 and wish you all a very Happy New Year. Also, Morgan was featured in the 2013 edition of the Burlington community guide, which he also spoke about his humbling beginnings as a student filmmaker and to where he is today. The article and photo are available only in print, but a photograph has been made available below. Enjoy!  November 7, 2013 - ARCHON and ORIGIN: A CALL TO MINDS doublebill at HFF 2013!Tonight is the night. The film gets an exclusive digital engagement with Google Play starting tomorrow, October 1, 2013.
Since 2008, the film has been turning heads and it has been nominated and has won several awards for is achievement in special effects and production design. Congratulations to the directors and cast who combined to make a special type of film that continues to wow audiences.
Dates and specifics will be released as soon as they are available. September 25, 2013 - Hamilton Film Festival selects ARCHON DEFENDER and ORIGIN The city of Hamilton appears to have taken a liking to Moonlit Road Entertainment productions.
Both films will screen as a double bill during the festival, which runs from November 4th to the 10th at the Staircase Theatre (27 Dundurn St.
While ARCHON has had a fairly successful festival run over the years leading up to its upcoming DVD release, ORIGIN: A CALL TO MINDS will be making its exclusive world premiere during the festival.
For more info about the Hamilton Film Festival, click here.  September 23, 2013 - THE DEVIL WALKS AMONG YOU screenings in HamiltonThe award-winning short THE DEVIL WALKS AMONG YOU continues its successful festival run with two recent Hamilton screenings during the month of September.
Just yesterday, the film screened at the 2013 Hamilton Music and Film Festival at the Factory Media Centre (227 James Street North in Hamilton). Earlier in the month (on September 13th), the film was selected to screen at the 2013 Supercrawl event held in Hamilton.
Expect more festival announcements in the next little while.  August 28, 2013 - Pre-order ARCHON DEFENDER on DVD now at Amazon!!! Here is your exclusive first look at a pair of colourful teaser posters for our upcoming animated feature film COLD DARK MIRROR, currently in production under the direction of David Krupicz.The film is expected to continue production throughout 2013 and the early part of 2014, with a release expected for later next year. 2013 - THE DEVIL WALKS AMONG YOU is an Official Selection at HMFF 2013!More great news for our horror film noir hybrid THE DEVIL WALKS AMONG YOU. The award-winning short has become an Official Selection at the 2013 Hamilton Music and Film Festival, taking place in Hamilton, Ontario, Canada on September 22nd. This will mark the third time that the film has screened in Hamilton as part of the film festival circuit, following the 2012 edition of the Hamilton Film Festival as well as earlier this year as part of the Little Nightmares Canadian Horror Shorts Festival. Exciting news. July 30, 2013 - ARCHON DEFENDER official release date and DVD cover art!!! Exciting news to report today.
We announced earlier this year that ARCHON DEFENDER, our first animated feature film, is scheduled to premiere on DVD and VOD during the fourth quarter of 2013. Today comes word that the film will indeed premiere this fall and in the United States on October 22nd. Furthermore, we are excited to bring you the exclusive world premiere of the DVD cover art for the film, to be distributed by Ytinifni Films.

Morgan was one of eleven people nominated, which ranged from enviromental, community, heritage as well as senior, junior and citizen of the year. This marks Morgan's second award win for his contributions to the community as a filmmaker, following his 2010 MARTY Award win for Emerging Media Arts. Below is a photograph of the Burlington's Best Award and Certificate presented to Morgan Muscat last week as well as the Burlington Post photograph from the event, printed in Wednesday May 15th's edition. May 16, 2013 - More THE DEVIL WALKS AMONG YOU and SEVERANCE Movie Reviews!!!The reviews continue to trickle in for Moonlit Road Entertainment productions.
The first is a positively glowing one from Bleeding Dead Film Reviews for THE DEVIL WALKS AMONG YOU, which once again praises the performances of stars Robert Nolan and Sandra da Costa, as well as the production design and direction.
Andrews will be among the guests lined up to heavily promote some top notch Canadian content. The festival takes place between May 31st and June 2nd at the Best Western Hotel (173 - Sunrise Highway, Rockville Centre, NY 11570).
April 19, 2013 - Morgan Muscat featured in Mississauga magazine MISSISSAUGA ARTSThe promotion continues for busy producer-writer Morgan Muscat, who is now featured in the Spring edition of MISSISSAUGA ARTS, a magazine published quarterly that recognizes talents who have contributed to the arts in Mississauga.
Morgan is featured on Page 4 as part of the 2013 MARTY Award nominees and again on Page 15, which is the press release about his involvement in the upcoming June 27th Media Arts Mash Up.
The cover page for MISSISSAUGA ARTS is below, pick up your copy at the Mississauga Arts Council office.April 17, 2013 - THE DEVIL WALKS AMONG YOU movie review!A positive, spoiler-free review of THE DEVIL WALKS AMONG YOU from Horror Movie Diary has made it online and it rocks.
The reviewer praises actor Robert Nolan's performances as Devil, as well as goes on to say that the film itself is "hellishly great" and supported by a great cast.
To read the review, click on the link below.Horror Movie Diary (The Devil Walks Among You Movie Review) April 16, 2013 - Morgan Muscat to host June 27th Media Arts Mash Up event in MississaugaBurlington resident Morgan Muscat is returning to his hometown to host the June 27th Media Arts Mash Up, which is presented by the Mississauga Arts Council and the Art Gallery of Mississauga.
The ever busy producer will be on hand discussing his past films as well as current productions including the soon-to-be-released ORIGIN: A CALL TO MINDS and the currently in development COLD DARK MIRROR.
Additionally, the filmmaker will be screening a never-before-seen 10 minute clip from ORIGIN as well as discuss the making of the film. The event will be held at the Art Gallery of Mississauga (300 City Centre Drive) and will begin at 7:00pm. Just today, Mike Haberfelner over at the website Search My Trash recently conducted two interviews, one with CDM producer Morgan Muscat and the other with David Krupicz himself about the making of the film. Click below to check out the interviews where both filmmakers talk about CDM, as well as other upcoming projects from Moonlit Road Entertainment and Original Sine Productions. Additionally, an article conducted by Mississauga journalist Louise Peacock for the Film Annex website made it online today. That article, entitled "Glimpse in the Mirror", features an on-set journal and behind-the-scenes photos of the cast and crew in action.
Click on the respective links below to check out the interviews. Morgan Muscat "Cold Dark Mirror" Interview (Search My Trash - Mike Haberfelner) David T. Today we are proud to report that Morgan has once again been nominated, this time for a 2013 Burlington's Best award nomination, which honours citizen in Burlington who have contributed to the arts within the city.
Morgan is proud to call Burlington is new home town and is honoured that he and his work has been recognized by the community collectively.
Today we are proud to announce the cast for our upcoming sci-fi animated epic COLD DARK MIRROR, which is being produced by Morgan Muscat and will once again be directed by David T. The cast includes Sandra da Costa (Sick), Caleigh Le Grand (Inspiration), Daniel Wyse (Origin: A Call to Minds), Morgan Muscat (Archon Defender), Paul Nicholls (A Cry in the Dark), Ryan Barrett (Neverlost), Astrida Auza (Sick), Christopher Lee Grant (Dead Genesis), Neil Green (Black Eve) and Laura Collu (Severance). COLD DARK MIRROR follows young Witch-Hunter Lydia (Sandra DaCosta), who stumbles upon the dark secret of the Unseen World; a shadow world of dreams and nightmares which lies just beyond the mirror's edge.
A dark and ancient power, the Time Shadow (Neil Green), seeks entry into the corporeal world, a power some on the Alchemic Council are in league with, and whose existence they seek to keep secret above all else.
Together with her Cat Familiar Callista (Caleigh La Grand), Lydia must face the Shadow Council, and avenge the death of her mentor, the Maegis Acheron?.  In addition to the casting announcement, we are also today releasing the first couple of production stills from COLD DARK MIRROR. Enjoy and keep checking back from more updates surrounding the making of the film.  ?          March 28, 2013 - Follow ARCHON DEFENDER on Twitter! New Moonlit Road business cards! Earlier this year we reported that ARCHON DEFENDER would be getting a DVD and VOD release later this year. In addition to the Facebook group released a few months ago, you can now follow ARCHON DEFENDER on Twitter for all the most up-to-date information surrounding the film. Simply click on the links above to visit the respective pages. In other news, we are proud to report that for the first time in five years we have new business cards that are hot off the presses and about ready for distribution to the masses. The new card displays the new logo with new contact information and these will replace the more ancient cards (circa 2007) that have been in circulation. March 22, 2013 - THE DEVIL WALKS AMONG YOU will screen in Long Island, New York!!! More great news for THE DEVIL WALKS AMONG YOU.
Our multiple award-winning short film is now an Official Selection at the 3rd Macabre Faire Film Festival in Long Island, New York, honouring films within the genres of Horror, Thrillers, Suspense and Sci-Fi. While there are no concrete showtimes or dates as of yet, please feel free to visit the festival's Facebook page, which will make a more formal announcement closer to the festival date this summer.
Check back here for more info about this exciting opportunity and congrats to the cast and crew who worked feverishly to make this film happen. March 21, 2013 - Casting on COLD DARK MIRROR is complete!!! We are proud to report that we have secured our talented voice cast for our upcoming animated feature film COLD DARK MIRROR and we will be making a formal press release announcement here in the next week or so. As we keep you in anticipation with our casting, we are proud to present the first official production still from the film.
We now have a Facebook group were you will be able to keep up to date on the developments of our films as they move through production. Please note that press releases and latest news will appear on here first, and then make their way onto our new Facebook group. Keep it here, there's lots happening. March 6, 2013 - Morgan Muscat 2013 MARTY Award nomination and interviews Having stepped back to focus on his family last year, Moonlit Road Entertainment founder Morgan Muscat is gearing up for what is looking like a very busy year ahead. The talented writer-producer is releasing the animated feature ORIGIN: A CALL TO MINDS as well as producing a new animated film (COLD DARK MIRROR), which starts production this month. Amidst all that, Morgan is seeking funding for his long awaited Stephen King adaptation SUFFER THE LITTLE CHILDREN as well as developing some other short film projects. In the meantime, we would like to congratulate Morgan and his fourth MARTY award nomination since 2009, this one for Established Media Arts for the 2013 awards ceremony. More information about the MARTYs can be found by visiting the Mississauga Arts Council link. We would also like to congratulate SEVERANCE crew members David O'Hearn and Alvin Campana for their MARTY nominations also; David is nominated for Established Performing Arts while Alvin is in the running for Established Media Arts. In the interview, he speaks about his early career as a filmmaker to some of his recent producing projects, specifically SEVERANCE and THE DEVIL WALKS AMONG YOU. The episode aired on Rogers TV at the end of February. February 25, 2013 - THE DEVIL WALKS AMONG YOU gets another Hamilton screening!!!We are proud to report that THE DEVIL WALKS AMONG YOU will once again be gracing screens in Hamilton, as it is an Official Selection at the 2013 Little Nightmares Canadian Horror Shorts Festival.
COLD DARK MIRROR is slated to go into production in the next few weeks and is tentatively set for release in late 2014.
A dark and ancient power, the Time Shadow, seeks entry into the corporeal world, a power some on the Alchemic Council are in league with, and whose existence they seek to keep secret above all else. Together with her Cat Familiar Callista, Lydia must face the Shadow Council, and avenge the death of her mentor, the Maegis Acheron.?January 27, 2013 - ARCHON DEFENDER signed to US Distribution dealBig news to start the new year off. ARCHON DEFENDER, our 2009 multiple award-winning animated feature film (written and directed by David T. Krupicz and produced by Morgan Muscat) has been signed to a US distribution deal with Ytinifni Pictures.
The deal will provide North American DVD and US Video on Demand (VOD) distribution in late 2013. While an official date has yet to be announced, expect the film to be released sometime in the fourth quarter. The film follows the path of a young woman, Colette, as she seeks her way through adversity to redemption, as the world she once knew is torn apart by war and tyranny. The first official trailer from our latest short film, MASSACRE AT FEMUR CREEK, has been unveiled online via writer-director Kyle Hytonen's You Tube channel. Enjoy the picture below of actor John Migloire in character as The Shape and keep checking back for more updates on the film's completion and release date.
We were approached a few weeks back to create this video by local artists and have done so using footage from last year's event.

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