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paper, but rarely material in practice.
An "indemnity" policy will never pay claims until the insured has paid out of pocket to some third party; i.e. The use of managed care techniques without a provider network is sometimes described as "managed indemnity."
Over time, the operations of many Blue Cross and Blue Shield operations have become more similar to those of commercial health insurance companies. However, some Blue Cross and Blue Shield plans continue to serve as insurers of last resort. Similarly, the benefits offered by Blues plans, commercial insurers, and HMOs are converging in many respects due to market pressures. This creates what many enthusiasts feel to be a more natural, unique look than pre-distressed denim.
To facilitate the natural distressing process, some wearers of dry denim will often abstain from washing their jeans for more than six months, though it is not a necessity for fading.
Predominantly found in premium denim lines, dry denim represents a small niche in the overall market.
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Selvage denim (sometimes called selvedge denim) is a type of denim which forms a clean natural edge that does not unravel. Nevertheless, since their cash flows are closely related to (or derived from) those of specific securities, they are often studied as or treated as investments.
Investments are often made indirectly through intermediaries, such as banks, mutual funds, pension funds, insurance companies, collective investment schemes, and investment clubs. "She couldn't
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