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Except for the first year , premiums may vary from year to year , with no requirement that any specified amount be paid in any given year . Others contain an elimination period , which means that benefits will not be paid until after you have been hospitalized for a specified number of days . In another landmark agreement , Sweden 's equipment vendor Ericsson agreed to a revenue-sharing deal with the Indian mobile telecomm operator company Bharti Televentures that will allow Ericsson to earn a percentage of revenues every time a subscriber downloads video or plays a Java game . Such a contract , called a " flexible premium retirement annuity , " can be used as an Individual Retirement Account . Almost every type of walled and roofed building that is principally above ground and not entirely over water may be insured if it is in a participating community . Every contract contains a long-term guarantee . This approach did not reduce losses or discourage unwise development and , in some instances , may have actually encouraged additional development . A significant question is how India , in the absence of full-scope safeguards ( ie IAEA safeguards on every nuclear establishment , military and civil ) , can provide adequate confidence that US peaceful nuclear technology will not be diverted to nuclear weapons purposes . Beside the report 's apparent misgivings about the agreement , it is also evident from the rumblings heard on Capitol Hill that the agreement will face serious opposition from both sides of the aisle . Yet despite official clarification , some Russian media outlets remained unconvinced . Medicare forbids its health plans from making any rules that would stop a doctor from telling you everything you need to know about your health care . You must have both Medicare Part A and B. Medicare Advantage PFFS - If you enroll in a private fee-for-service , you can receive care from any Medicare doctor that agrees to the plan 's terms , but you must live in the plan 's service area to be eligible . Your liability insurance agent or company must file an SR-21 form for you after an accident or a Certificate of Compliance following a traffic violation , certifying your financial responsibility . You and your spouse may each be covered under a health insurance plan at work but , under what is called a coordination of benefits provision , the total you can receive under both plans for a covered medical expense cannot exceed 100 percent of the allowable cost . HMO : This is a managed care plan with a network of providers who contract with an insurance company . There is a charge for maps for some users , so it is advisable to call for detailed information . If you are buying individual insurance , or any form of insurance that you purchase directly , read and compare the policies you are considering before you buy one , and make sure you understand all of the provisions . An annuity contract can also be a safe means of building assets for other purposes with a more limited time span . According to reports , Bush turned to Laura and told her that Manmohan headed a good democracy in a country that had a very large Muslim population , but no al-Qaeda , and so she should not have any fears about traveling to India . At the same time , both China ( Muslim-majority Xinjiang province ) and Russia ( predominately Muslim Chechnya ) face home-grown separatist movements , while Islamist movements in the Central Asian republics are a threat to the interests of both Beijing and Moscow . Without community oversight of building activities in the floodplain , the best efforts of some to reduce future flood losses could be undermined or nullified by the careless building of others . According to global consultancy firm McKinsey 's , virtually every week the consultancy firm gets a call from a major operator evincing their interest in India . US Treasury Secretary John Snow and Federal Reserve Chairman Alan Greenspan were both in China last week prodding the country to make currency reforms , which Washington describes as a key element in balancing trade relations .