In November 1994, CDNow launched its BuyWeb program. CDNow had the idea that music-oriented websites could review or list albums on their pages that their visitors might be interested in purchasing. These websites could also offer a link that would take visitors directly to CDNow to purchase the albums. The idea for remote purchasing originally arose from conversations with music label Geffen Records in the fall of 1994. The management at Geffen wanted to sell its artists' CD's directly from its website but did not want to implement this capability itself. Geffen asked CDNow if it could design a program where CDNow would handle the order fulfillment. Geffen realized that CDNow could link directly from the artist on its website to Geffen's website, bypassing the CDNow home page and going directly to an artist's music page.
Healthcare debt is often the result of unexpected illness or injury. A single visit to an emergency care center or hospital emergency room may result in charges from the facility, physicians, labs and ambulance services. The portion of your bills that you are directly responsible for depends largely on your individual coverages under your insurance policy, and whether your service was provided by an in network or out of network provider. Your insurance carrier will provide you with an explanation of benefits for all claims they have received, detailing the amount of the charges, the amount covered, the amount paid by insurance, and the amount due from you. If you have questions regarding what your insurance company covered and what they paid, please contact your insurance carrier directly.