Abstract: A marine propulsion apparatus including a first strut and a second strut, each extending from a proximal end to a distal end, wherein the proximal ends of the first and second struts are coupled to an anti-ventilation plate, a lower unit coupled to the distal ends of the first strut and the second strut, the lower unit the lower unit housing a sprocket, a shaft rotatably coupled to the sprocket, a propeller coupled to the shaft proximate the tail portion of the lower unit, the propeller configured to rotate with the shaft, a belt rotatably coupling the drive shaft to the sprocket, wherein the belt is disposed within the interior belt voids of the first and second struts; and at least one thermal circuit channel extending through a portion of the anti-ventilation plate, the at least one thermal circuit configured to channel a coolant to flow therethrough.

Abstract: Provided herein is a marine propulsion apparatus including a prime mover having a drive shaft, a cowling enclosing the prime mover, first and second struts affixed to the cowling, where each of the struts have a leading portion, an interior belt void, and a trailing portion. The apparatus further includes a lower unit coupled to the distal ends of the struts, a sprocket rotatably disposed within the lower unit, a shaft rotatably coupled to the sprocket, a belt rotatably coupling the drive shaft to the sprocket, such that a first portion of the belt is disposed within the interior belt void of the first strut and a second portion of the belt is disposed within the interior belt void of the second strut. The apparatus further includes a thermal circuit (having a heat transfer fluid) extending from the cowling, through each of the struts, and into the lower unit.

Abstract: A pharmacy benefits plan is designed such that covered scripts are placed into Groups and allowances are provided for the purchase of scripts within each Group. Each Group comprises scripts for pharmaceuticals that provide medical benefits within a given time frame. A first Major Group is assigned to scripts for drugs that are prescribed for conditions that would otherwise result in further medical treatment and expense if said drugs were not taken by an insured. A second Major Group is assigned to scripts for drugs that are prescribed for conditions that would not normally result in subsequent medical costs if the drugs were not taken. Relatively high allowances are provided for scripts in said first Major Group such that the out-of-pocket costs of a given script will not be a barrier to said insured obtaining and taking said scripts.

Abstract: A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given allowance where said monetary credits can be used to cover the cost of a subsequent allowed expense. The insurance policy may be a pharmacy benefits plan. The covered expenses may be pharmacy expenses. The allowed expenses may be medical expenses which qualify under section 213 of the US Internal Revenue code for payment by an employer without said subscriber having to declare said payment as taxable income.

Abstract: A Pharmacy Benefits Calculator reads in an insured's prior pharmacy claims history and then calculates said insured's anticipated out-of-pocket costs for one or more pharmacy benefits plans that said insured is eligible to enroll in. Provision is made for an insured to modify their anticipated future pharmacy needs. Provision is also made for an insured to compare their out-of-pocket costs for different alternative drugs, said alternative drugs providing comparable therapeutic benefits. Provision also is made for an insured to substitute a lower cost generic equivalent for a brand drug, when available. Another provision is made for an insured to choose to price drugs at a retail pharmacy store or a mail order pharmacy and determine cost differences. The pricing available from said retail pharmacy store may be based on a price negotiated by an insurance company offering said pharmacy benefits plans.