Answer:
Biosphere
Explanation:
The spheres that are formed by remains of living things with a black hard surface are known as BIOSPHERE.
This is because the Biosphere is a combination of both living organisms (biotic) and nonliving organisms (abiotic) to form an ecosystem. It also includes the lithosphere, atmosphere, and hydrosphere.
Hence, the remains of living things are part of the biotic part, while a black hard surface is a form of abiotic part of the biosphere.
Premiums and policy values tend to be correlated. Products with a wide range of benefits, low cost sharing at the time of payment, and high actuarial value tend to have high insurance premiums.
<h3>What is actuarial Value? </h3>
The percentage of the average total cost for covered services that is covered by the plan. For example, if your plan has an average actuarial value of 70%, you will cover 30% of the cost of all benefits.
<h3>How do actuaries evaluate health insurance?</h3>
This is calculated using medical claims from a standard population along with the plan's copay provisions to simulate claim payments. The commission percentage paid by the scheme is the actuarial value.
<h3>What is monthly bonus (premium)?</h3>
This is the monthly payment for health insurance. In addition to premiums, you will usually have to pay medical expenses, including deductibles, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to take advantage of a benefit tax credit to reduce your costs.
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