Accelerated benefits allow annuity holders to access funds if they require home health care, are confined to a nursing home, or are terminally ill. Specifically, annuities may provide funds if a policyholder needs assistance with daily living activities due to impairment, has been in a nursing home for over 60 days after the annuity's effective date, or has a life expectancy under one year according to a physician. These benefits are often included at no additional cost in annuities.
This document summarizes the key details of the Disability Income Protection Advantage short-term disability insurance policy from Aflac. It outlines the need for disability insurance given that many working-age Americans live with disabilities. The policy provides cash benefits to help cover living expenses if the policyholder becomes totally or partially disabled. Benefits include options for monthly benefit amounts from $500 to $5,000, different benefit periods from 3 to 24 months, and elimination periods from 0 to 180 days. The policy can be kept even if changing jobs and is renewable to age 70. It does not coordinate benefits with other disability policies and pays benefits regardless of other insurance. The document reviews exclusions such as pre-existing conditions, pregnancy, illegal
The document provides information about Custom Select Insurance Services and the insurance options they offer. It discusses how they can help identify the right insurance plan, get quotes from multiple carriers, review costs and coverage details, and assist with the application process. It also summarizes some key things to consider when choosing a major medical plan, like deductibles, coinsurance, and supplemental plans that can help cover out-of-pocket medical costs.
Mercy Health System - Medicare PresentationMercy Health
The document provides an overview of Medicare options for eligible individuals, including Medicare only, Medicare Advantage plans, Medicare supplements, and employer-sponsored plans. Medicare only involves Parts A and B which cover hospitalizations, skilled nursing facilities, and medical services but with deductibles and coinsurance. Medicare Advantage plans are run by private insurers under contract with Medicare and have more variable costs and coverage than original Medicare. Medicare supplements are private plans that cover out-of-pocket costs of original Medicare. The document also describes a specific Medicare supplement plan from MercyCare.
For over a decade Expatriate Group have been underwriting, administering and providing claims services for its customers from its City of London headquarters.
Find out more on our site and social media channels.
www.expatriatehealthcare.com
The document provides information about employee benefits open enrollment. It summarizes the new medical plan administrator as J.P. Farley and details various insurance plans including medical, dental, vision, life, disability, and voluntary accident and critical illness coverage. It outlines costs and coverage details for each plan. It also discusses eligibility, dependent coverage, qualifying life events, and next steps for enrollment.
The document summarizes the internship of a student working in the Clinical Integration Department at Greenville Health System. The intern's main project involved the Healthy Outcomes Plan (HOP), a state program that assists uninsured patients in accessing healthcare. The intern's duties for the HOP included identifying and enrolling eligible ER patients, creating healthcare plans, and referring patients to safety-net partners like Greenville Free Medical Clinic and New Horizon for ongoing care. The goal of these efforts was to establish medical homes for underserved individuals and reduce unnecessary emergency room use.
Vermont Statewide Bargaining Terms Open Enrollment for VEHI Plans Fall 2020Audrey Edmonds Stepp
This document provides information about health insurance plans offered by VEHI (Vermont Education Health Initiative) for the 2022 plan year. It discusses premium costs, deductibles, out-of-pocket maximums, and employer contributions toward premiums and out-of-pocket costs for the four VEHI plans (Platinum, Gold, Gold CDHP, Silver CDHP). For most employees, choosing the Gold CDHP plan paired with an HRA will provide the lowest financial exposure due to lower premiums and maximum out-of-pocket costs compared to the other plans. The document also provides directions for finding more details on calculating costs and financial exposure for different plan options and coverage tiers.
Accelerated benefits allow annuity holders to access funds if they require home health care, are confined to a nursing home, or are terminally ill. Specifically, annuities may provide funds if a policyholder needs assistance with daily living activities due to impairment, has been in a nursing home for over 60 days after the annuity's effective date, or has a life expectancy under one year according to a physician. These benefits are often included at no additional cost in annuities.
This document summarizes the key details of the Disability Income Protection Advantage short-term disability insurance policy from Aflac. It outlines the need for disability insurance given that many working-age Americans live with disabilities. The policy provides cash benefits to help cover living expenses if the policyholder becomes totally or partially disabled. Benefits include options for monthly benefit amounts from $500 to $5,000, different benefit periods from 3 to 24 months, and elimination periods from 0 to 180 days. The policy can be kept even if changing jobs and is renewable to age 70. It does not coordinate benefits with other disability policies and pays benefits regardless of other insurance. The document reviews exclusions such as pre-existing conditions, pregnancy, illegal
The document provides information about Custom Select Insurance Services and the insurance options they offer. It discusses how they can help identify the right insurance plan, get quotes from multiple carriers, review costs and coverage details, and assist with the application process. It also summarizes some key things to consider when choosing a major medical plan, like deductibles, coinsurance, and supplemental plans that can help cover out-of-pocket medical costs.
Mercy Health System - Medicare PresentationMercy Health
The document provides an overview of Medicare options for eligible individuals, including Medicare only, Medicare Advantage plans, Medicare supplements, and employer-sponsored plans. Medicare only involves Parts A and B which cover hospitalizations, skilled nursing facilities, and medical services but with deductibles and coinsurance. Medicare Advantage plans are run by private insurers under contract with Medicare and have more variable costs and coverage than original Medicare. Medicare supplements are private plans that cover out-of-pocket costs of original Medicare. The document also describes a specific Medicare supplement plan from MercyCare.
For over a decade Expatriate Group have been underwriting, administering and providing claims services for its customers from its City of London headquarters.
Find out more on our site and social media channels.
www.expatriatehealthcare.com
The document provides information about employee benefits open enrollment. It summarizes the new medical plan administrator as J.P. Farley and details various insurance plans including medical, dental, vision, life, disability, and voluntary accident and critical illness coverage. It outlines costs and coverage details for each plan. It also discusses eligibility, dependent coverage, qualifying life events, and next steps for enrollment.
The document summarizes the internship of a student working in the Clinical Integration Department at Greenville Health System. The intern's main project involved the Healthy Outcomes Plan (HOP), a state program that assists uninsured patients in accessing healthcare. The intern's duties for the HOP included identifying and enrolling eligible ER patients, creating healthcare plans, and referring patients to safety-net partners like Greenville Free Medical Clinic and New Horizon for ongoing care. The goal of these efforts was to establish medical homes for underserved individuals and reduce unnecessary emergency room use.
Vermont Statewide Bargaining Terms Open Enrollment for VEHI Plans Fall 2020Audrey Edmonds Stepp
This document provides information about health insurance plans offered by VEHI (Vermont Education Health Initiative) for the 2022 plan year. It discusses premium costs, deductibles, out-of-pocket maximums, and employer contributions toward premiums and out-of-pocket costs for the four VEHI plans (Platinum, Gold, Gold CDHP, Silver CDHP). For most employees, choosing the Gold CDHP plan paired with an HRA will provide the lowest financial exposure due to lower premiums and maximum out-of-pocket costs compared to the other plans. The document also provides directions for finding more details on calculating costs and financial exposure for different plan options and coverage tiers.
Chandler 2013 open enrollment presentation with voice 2KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates to comply with healthcare reform laws, changes to medical plan options and costs, and details about voluntary benefits employees can purchase. Key updates for the upcoming plan year include no-cost coverage of certain women's contraceptives, expanded breastfeeding support benefits, and decreased rates for some medical plans. The HDHP plans will have increased HSA contributions and the dental plan options include a new Total Dental Administrators plan. Voluntary benefits like vision and life insurance also have new carriers.
The UPPEC Pre-Need Funeral Insurance Plan is sold through funeral homes in California. It allows individuals to pre-plan and pre-pay for their funeral arrangements. Funding a plan provides several benefits, including locking in today's prices to avoid future inflation, relieving loved ones of financial burden during a difficult time, and ensuring wishes are fulfilled. Funding can be done through a lump sum payment or monthly payments over various terms. The UPPEC works with reputable private funeral homes and invests funds to cover future costs. Individuals are fully covered immediately if in good health or receive graded coverage if not. The UPPEC can assist with transferring existing plans and supports individuals in qualifying for Medi-Cal
This document summarizes a pharmacy benefits plan, including coverage details and costs. There is no overall deductible. For generic drugs, the copay is $7 for a 30-day supply. Preferred brand drugs have a $20 copay. Non-preferred brands have a $40 copay. The out-of-pocket maximum is $4,850 single/$7,200 family. Specialty drugs require prior authorization and have a 30% coinsurance. No referral is needed to see a specialist.
This document provides an overview of Medicare, including what it is, how it works, and enrollment details. Medicare is a federal health insurance program for those aged 65 and older or with disabilities. It has multiple parts that provide coverage for different healthcare areas like hospital stays, doctor visits, and prescription drugs. Individuals are automatically enrolled in Medicare based on other benefits they receive, or they can apply during initial, delayed, or general enrollment periods.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
The Morris Hospital for Veterinary Services offers an Adult Feline Wellness Plan that provides preventative care for adult cats for $20.58 per month. The plan includes an annual physical exam, recommended vaccinations, and diagnostic screening. It ensures budget-friendly preventative care that helps detect illnesses early and adds healthy years to a cat's life. The hospital also partners with VPI Pet Insurance to provide discounts for pet insurance as additional protection.
This document summarizes an employee benefits open enrollment presentation. It states that J.P. Farley will be the new plan administrator for medical and prescription drug coverage. All employees must make their benefit elections through the ADP website by November 21st. It provides an overview of the medical, dental, vision, life insurance, and disability insurance plans being offered. The document reviews costs, coverage details, and networks for each plan. It also includes information on dependent eligibility, preventive care coverage, and the process for making qualifying life event changes to benefits.
WWCMA September Meeting
Tuesday, September 20, 2011
Location: Massachusetts Hospital Association, Burlington, MA
Meeting Topic: Legislative Considerations for Worksite Health Promotion Programs
Guest Speaker: David Wilson, Esc., Hirsch Roberts Weinstein, LLP Dave Wilson has spent over two decades litigating wage and hour, employment, real estate, maritime, and general commercial disputes in the state and federal courts of Massachusetts and New Hampshire. He defends employers in related administrative proceedings before the MCAD, the New Hampshire Human Rights Commission and federal and state agencies on matters ranging from wrongful termination, sexual harassment, workplace violence, privacy, discrimination and defamation to wage and hour disputes.
Dave spends a significant amount of his time acting as a business partner with his clients, counseling and training them in all areas of employment relations law. Dave also has an acute interest in the intersection between technology, the law and the workplace and has written and presented extensively on social media and hidden cameras in the workplace. He is a MCAD certified trainer in Preventing Harassment in the Workplace and Preventing Discrimination in the Workplace and has served on the faculty for the MCAD certification course.
The document is a sales presentation for WellCare Medicare Advantage and prescription drug plans. It discusses:
- The agent's background and mission to provide information about WellCare plans
- An overview of Medicare options including Original Medicare, Medicare Advantage, and prescription drug plans
- Specific benefits of WellCare plans like low premiums, more predictable costs, and additional benefits like vision/dental
- How members can access services through WellCare's network and prescription drug coverage through its formulary
The document summarizes an employee benefits open enrollment presentation. It outlines changes to the company's medical plan administrator and requirements for employees to make their 2015 benefits elections online by November 21st. It provides overviews of the medical, dental, vision, life and voluntary life insurance plans being offered. It also reviews dependent eligibility, preventive care coverage, prescription drug benefits and resources for finding network providers. Employees are instructed on next steps to complete an online waiver or enrollment form by the deadline.
- People with limited income may qualify for "Extra Help" programs that help pay Medicare costs. To learn more, contact the Social Security office or visit their website.
- The National Association of Health Underwriters can help you review your Medicare choices and find certified insurance professionals to assist you at no cost.
- There are specific enrollment periods and potential penalties for Medicare (Parts A, B, and D). Enrolling in supplemental plans, Medicare Advantage, or prescription drug plans also have regulations around enrollment periods. It's best to enroll in Medicare when first eligible.
This document provides information about various insurance policies offered by My FamilyProtect including accident, critical illness, cancer, accidental death & dismemberment, hospital indemnity, and funeral expense policies. The accident policy provides coverage for medical expenses from covered accidents. The critical illness policy provides a lump sum payment for heart attacks, strokes, or invasive cancer diagnoses. The cancer-only critical illness similarly provides payments for cancer diagnoses. The accidental death & dismemberment policy provides payments for accidental death or dismemberment. Details are given on benefit amounts, coverage options, eligibility, and coordination of benefits for each policy type.
This document provides information about employee benefits open enrollment for 2015. It summarizes that employees must make their benefit elections through the ADP website by November 21st to ensure coverage for 2015. It also provides overviews of the new medical plan administrator, dental and life insurance plans, and enrollment steps.
Understand how health insurance actually works and then visit us at www.selectmycoverage.com to compare quotes from all the various carriers and even apply online. Should you need assistance, please contact our office. Thanks for checking us out!
This document provides information about Custom Select Insurance Services and the insurance options they offer. It discusses how they can help identify the right insurance plan, get quotes from multiple carriers, and determine costs and coverage details. It also summarizes different plan types like HMOs, PPOs, copay plans, and HSAs. Supplemental plans and life insurance options are also briefly described.
The document provides an overview and summary of the employee benefit plans for an organization's open enrollment period. It includes information about the new medical and prescription drug plan administrator, wellness incentives that reduce premium costs, and an overview of the dental, vision, life, disability, and voluntary accident and critical illness plans. Employees can obtain ID cards, check claims status, and find plan forms on the new administrator's website. The summary also reviews dependent eligibility, premium costs for each plan, and details about coverage and provider networks.
#2 What is voluntary insurance why do employees need itThomas C. Williams
Voluntary insurance provides additional coverage to employees to help pay medical and living expenses not covered by major medical insurance. It is not required but is completely optional for employees to enroll in. Many employees are interested in voluntary insurance because nearly half have less than $1,000 to pay out-of-pocket medical costs, and two-thirds would struggle with the costs of a serious injury or illness. Voluntary insurance can help employees pay deductibles, coinsurance, copays, and bills that continue after an illness or injury when someone cannot work. It benefits both employees and employers by providing financial protection for employees with no direct cost to companies.
HUSC 3366 Chapter 9 Health and Disability InsuranceRita Conley
This chapter discusses health and disability insurance. It covers the importance of health insurance, different types of health insurance plans such as private insurance, Medicare and Medicaid. It also discusses factors that influence the rising costs of health care such as administrative costs and use of expensive technologies. The chapter examines sources of disability income like employer policies and social security. It emphasizes choosing adequate health and disability coverage to protect income in case of illness or injury.
This document provides an overview of different private healthcare systems and funding mechanisms, including: Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), Point-of-Service Plans (POS), Catastrophic Plans, and High-Deductible Health Plans. It also discusses health savings accounts, provides examples of national healthcare systems in Australia and the US, and describes some non-governmental healthcare solutions like charities and social enterprises like Aravind Eye Hospitals. The document notes that while no system is perfect, all face serious challenges from aging populations and climate change impacts.
10 things you must know before enrolling in obamaDuaine Owings
The document provides an overview of important information for enrolling in health insurance plans through the Affordable Care Act for 2015, including:
- Essential health benefits that must be covered by ACA plans
- Premium tax subsidies and cost-sharing reductions that many who apply qualify for
- The need to review current plans as plans may change, be discontinued, or have rate increases for 2015
Chandler 2013 open enrollment presentation with voice 2KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates to comply with healthcare reform laws, changes to medical plan options and costs, and details about voluntary benefits employees can purchase. Key updates for the upcoming plan year include no-cost coverage of certain women's contraceptives, expanded breastfeeding support benefits, and decreased rates for some medical plans. The HDHP plans will have increased HSA contributions and the dental plan options include a new Total Dental Administrators plan. Voluntary benefits like vision and life insurance also have new carriers.
The UPPEC Pre-Need Funeral Insurance Plan is sold through funeral homes in California. It allows individuals to pre-plan and pre-pay for their funeral arrangements. Funding a plan provides several benefits, including locking in today's prices to avoid future inflation, relieving loved ones of financial burden during a difficult time, and ensuring wishes are fulfilled. Funding can be done through a lump sum payment or monthly payments over various terms. The UPPEC works with reputable private funeral homes and invests funds to cover future costs. Individuals are fully covered immediately if in good health or receive graded coverage if not. The UPPEC can assist with transferring existing plans and supports individuals in qualifying for Medi-Cal
This document summarizes a pharmacy benefits plan, including coverage details and costs. There is no overall deductible. For generic drugs, the copay is $7 for a 30-day supply. Preferred brand drugs have a $20 copay. Non-preferred brands have a $40 copay. The out-of-pocket maximum is $4,850 single/$7,200 family. Specialty drugs require prior authorization and have a 30% coinsurance. No referral is needed to see a specialist.
This document provides an overview of Medicare, including what it is, how it works, and enrollment details. Medicare is a federal health insurance program for those aged 65 and older or with disabilities. It has multiple parts that provide coverage for different healthcare areas like hospital stays, doctor visits, and prescription drugs. Individuals are automatically enrolled in Medicare based on other benefits they receive, or they can apply during initial, delayed, or general enrollment periods.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
The Morris Hospital for Veterinary Services offers an Adult Feline Wellness Plan that provides preventative care for adult cats for $20.58 per month. The plan includes an annual physical exam, recommended vaccinations, and diagnostic screening. It ensures budget-friendly preventative care that helps detect illnesses early and adds healthy years to a cat's life. The hospital also partners with VPI Pet Insurance to provide discounts for pet insurance as additional protection.
This document summarizes an employee benefits open enrollment presentation. It states that J.P. Farley will be the new plan administrator for medical and prescription drug coverage. All employees must make their benefit elections through the ADP website by November 21st. It provides an overview of the medical, dental, vision, life insurance, and disability insurance plans being offered. The document reviews costs, coverage details, and networks for each plan. It also includes information on dependent eligibility, preventive care coverage, and the process for making qualifying life event changes to benefits.
WWCMA September Meeting
Tuesday, September 20, 2011
Location: Massachusetts Hospital Association, Burlington, MA
Meeting Topic: Legislative Considerations for Worksite Health Promotion Programs
Guest Speaker: David Wilson, Esc., Hirsch Roberts Weinstein, LLP Dave Wilson has spent over two decades litigating wage and hour, employment, real estate, maritime, and general commercial disputes in the state and federal courts of Massachusetts and New Hampshire. He defends employers in related administrative proceedings before the MCAD, the New Hampshire Human Rights Commission and federal and state agencies on matters ranging from wrongful termination, sexual harassment, workplace violence, privacy, discrimination and defamation to wage and hour disputes.
Dave spends a significant amount of his time acting as a business partner with his clients, counseling and training them in all areas of employment relations law. Dave also has an acute interest in the intersection between technology, the law and the workplace and has written and presented extensively on social media and hidden cameras in the workplace. He is a MCAD certified trainer in Preventing Harassment in the Workplace and Preventing Discrimination in the Workplace and has served on the faculty for the MCAD certification course.
The document is a sales presentation for WellCare Medicare Advantage and prescription drug plans. It discusses:
- The agent's background and mission to provide information about WellCare plans
- An overview of Medicare options including Original Medicare, Medicare Advantage, and prescription drug plans
- Specific benefits of WellCare plans like low premiums, more predictable costs, and additional benefits like vision/dental
- How members can access services through WellCare's network and prescription drug coverage through its formulary
The document summarizes an employee benefits open enrollment presentation. It outlines changes to the company's medical plan administrator and requirements for employees to make their 2015 benefits elections online by November 21st. It provides overviews of the medical, dental, vision, life and voluntary life insurance plans being offered. It also reviews dependent eligibility, preventive care coverage, prescription drug benefits and resources for finding network providers. Employees are instructed on next steps to complete an online waiver or enrollment form by the deadline.
- People with limited income may qualify for "Extra Help" programs that help pay Medicare costs. To learn more, contact the Social Security office or visit their website.
- The National Association of Health Underwriters can help you review your Medicare choices and find certified insurance professionals to assist you at no cost.
- There are specific enrollment periods and potential penalties for Medicare (Parts A, B, and D). Enrolling in supplemental plans, Medicare Advantage, or prescription drug plans also have regulations around enrollment periods. It's best to enroll in Medicare when first eligible.
This document provides information about various insurance policies offered by My FamilyProtect including accident, critical illness, cancer, accidental death & dismemberment, hospital indemnity, and funeral expense policies. The accident policy provides coverage for medical expenses from covered accidents. The critical illness policy provides a lump sum payment for heart attacks, strokes, or invasive cancer diagnoses. The cancer-only critical illness similarly provides payments for cancer diagnoses. The accidental death & dismemberment policy provides payments for accidental death or dismemberment. Details are given on benefit amounts, coverage options, eligibility, and coordination of benefits for each policy type.
This document provides information about employee benefits open enrollment for 2015. It summarizes that employees must make their benefit elections through the ADP website by November 21st to ensure coverage for 2015. It also provides overviews of the new medical plan administrator, dental and life insurance plans, and enrollment steps.
Understand how health insurance actually works and then visit us at www.selectmycoverage.com to compare quotes from all the various carriers and even apply online. Should you need assistance, please contact our office. Thanks for checking us out!
This document provides information about Custom Select Insurance Services and the insurance options they offer. It discusses how they can help identify the right insurance plan, get quotes from multiple carriers, and determine costs and coverage details. It also summarizes different plan types like HMOs, PPOs, copay plans, and HSAs. Supplemental plans and life insurance options are also briefly described.
The document provides an overview and summary of the employee benefit plans for an organization's open enrollment period. It includes information about the new medical and prescription drug plan administrator, wellness incentives that reduce premium costs, and an overview of the dental, vision, life, disability, and voluntary accident and critical illness plans. Employees can obtain ID cards, check claims status, and find plan forms on the new administrator's website. The summary also reviews dependent eligibility, premium costs for each plan, and details about coverage and provider networks.
#2 What is voluntary insurance why do employees need itThomas C. Williams
Voluntary insurance provides additional coverage to employees to help pay medical and living expenses not covered by major medical insurance. It is not required but is completely optional for employees to enroll in. Many employees are interested in voluntary insurance because nearly half have less than $1,000 to pay out-of-pocket medical costs, and two-thirds would struggle with the costs of a serious injury or illness. Voluntary insurance can help employees pay deductibles, coinsurance, copays, and bills that continue after an illness or injury when someone cannot work. It benefits both employees and employers by providing financial protection for employees with no direct cost to companies.
HUSC 3366 Chapter 9 Health and Disability InsuranceRita Conley
This chapter discusses health and disability insurance. It covers the importance of health insurance, different types of health insurance plans such as private insurance, Medicare and Medicaid. It also discusses factors that influence the rising costs of health care such as administrative costs and use of expensive technologies. The chapter examines sources of disability income like employer policies and social security. It emphasizes choosing adequate health and disability coverage to protect income in case of illness or injury.
This document provides an overview of different private healthcare systems and funding mechanisms, including: Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), Point-of-Service Plans (POS), Catastrophic Plans, and High-Deductible Health Plans. It also discusses health savings accounts, provides examples of national healthcare systems in Australia and the US, and describes some non-governmental healthcare solutions like charities and social enterprises like Aravind Eye Hospitals. The document notes that while no system is perfect, all face serious challenges from aging populations and climate change impacts.
10 things you must know before enrolling in obamaDuaine Owings
The document provides an overview of important information for enrolling in health insurance plans through the Affordable Care Act for 2015, including:
- Essential health benefits that must be covered by ACA plans
- Premium tax subsidies and cost-sharing reductions that many who apply qualify for
- The need to review current plans as plans may change, be discontinued, or have rate increases for 2015
Pallas GlobalHealth is a comprehensive global medical insurance plan offered by GlobalHealth Asia Limited. It provides high annual maximum coverage of up to $2 million for medical expenses worldwide. It offers superior benefits such as lifetime renewability, coverage anywhere in the world, and choice of medical practitioners. GlobalHealth Asia and Pallas GlobalHealth aim to offer customers the highest quality of service and greatest freedom of choices for their medical insurance needs.
Chandler 2013 open enrollment presentation with voice kg (2)KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates required by healthcare reform. It outlines the medical plan options (Choice Plus PPO, HDHP1500, HDHP2700), contraceptive coverage changes, breastfeeding support benefits, and HSA contribution amounts. Voluntary benefits like dental, vision, life and disability insurance are also summarized. The open enrollment period is from April 22nd to May 10th.
This document provides information about hospital indemnity insurance coverage from Health Saver Plus III. It offers affordable health insurance benefits through daily cash payments for hospital stays, surgeries, and other medical costs. The plan offers three benefit options to choose from with various coverage amounts. It allows the freedom to visit any doctor or hospital without penalties. Additional services like Teladoc and prescription drug discounts are also provided at no extra cost to policyholders.
The document summarizes the First Choice Health Insurance plan offered by Central United Life. It is a guaranteed renewable health insurance policy offered in 28 states. The summary highlights key benefits including hospital room coverage up to $14,000 for the first 6 days, surgical coverage up to $10,000 per event, $100 for 4 doctor visits annually, accidental injury benefits, and access to the Beechstreet PPO network to reduce costs. A 12-month pre-existing condition limitation applies. Applications can be completed online or with an agent.
Sunsure Insurance - 5 Lesser Known Affordable Supplemental Florida Blue Healt...Kriti Sarda
5 Lesser known hacks to supplement your health insurance. Enrolling in these plans doesn't cost much and gives you a safe financial cushion. Investing in Ancillary plans is a small but sound investment that you are making today for your family's wellbeing.
Health Insurance Terminology and Technology Tools-06-15Barbara O'Neill
This document provides information about health insurance terminology and technology tools. It defines key terms related to private health plans like HMOs, PPOs, and POS plans. It also defines terms like deductible, copay, coinsurance, out-of-pocket maximum, and premium. The document provides examples of how these costs are calculated based on medical bills and plan details. Additionally, it summarizes government programs like Medicare and Medicaid and other types of supplemental health insurance plans.
This document discusses the importance and benefits of voluntary (supplemental) insurance for businesses and employees. It makes three key points:
1) Voluntary insurance helps protect employees from unexpected medical costs and makes them more satisfied. It is an important part of an employer's benefits package for attracting and retaining talent.
2) Many employees are unprepared to manage the rising costs and responsibilities of healthcare. Voluntary insurance can provide financial protection from out-of-pocket costs like deductibles and coinsurance.
3) Voluntary insurance benefits both employers and employees. It boosts employee satisfaction and loyalty while costing employers little to nothing. It also supports healthier employees and lower workers compensation claims.
The Morris Hospital for Veterinary Services offers a monthly payment plan called the Feline Adult Value Plan to make preventive care affordable for cat owners. For a $14.33 monthly payment and $40 enrollment fee, the plan provides an annual physical exam, routine blood work, and recommended vaccinations for $171.96 per year. It also partners with a pet insurance provider to offer additional illness and injury coverage that complements the preventive care in the plan. Regular preventive care is important for cats as it can detect health issues early before they become serious or expensive to treat.
FAMILY MEDICINE CLINIC BUSINESS PLANStude.docxmglenn3
FAMILY MEDICINE CLINIC BUSINESS PLAN
Student’s name
Introduction
As part of its ongoing efforts to improve access to health care, General Medical Center is subsidizing the start-up and first year of operations of a new family medicine practice, Park Square Family Medicine.
As a advanced practice nurses (APN), I have invested a lot of time and money into education I have gone through dealing with the state laws and nurse practice acts, also gone through the principle of autonomy / collaborative approach of practice with physician
This is important because it fulfils the requirement of the APN professional business plan requirement and also to have an insight to what it takes to set up a clinic after licensure as an APN with practice privileges.
Mission/vision statement
Our vision is to bring quality and affordable healthcare. The clinic aspires to bring special healthcare services, health educational programs (primary preventive measures) as well as personal health and wellness programs.
Location of Business
The targeted location will be in Colorado because:
There is a wide range of people
Large Population
Easily accessible
The targeted location for the hospital set up will be in Colorado. This location is best since there is a wide range of people and the population as well is fair which implies that the hospital will have patients in regular basis which further ensure that the hospital will have a continuous flow of income. Before choosing the location, a thorough research was conducted, and further feasibility studies were conducted so as to be able to penetrate the available market and most importantly become the preferred choice.
4
SWOT Analysis
Strengths-
a well-qualified team of professionals in various positions of the hospital.
Clinic has a strong ethos of openness, sharing and commitment
weaknesses
Staff not clear of their role in the patient relationship
it is just starting out and therefore may not have sufficient required finance which will sustain the kind of the publicity
The strength of the hospital lies from the fact that they have a well-qualified team of professionals in various positions of the hospital. Therefore, they have the best arms in the whole of Colorado. Moreover, the hospital will be operating for twenty-four hours a day unlike other hospitals. Also, the clinic has a strong ethos of openness, sharing and commitment to increasing patient confidence Patients wanting to get involved Local charities willing to participate. The weaknesses limited is that it is just starting out and therefore may not have sufficient required finance which will sustain the kind of the publicity which is intended so that the business can be well known and also, Staff is not clear of their role in the patient relationship
5
Opportunities
Constant inflow of patients
Active volunteer committee willing to plan and organize events
Threat
Economic turndown
Patients confidentiality risk
.
Don't give up on affordable healthcare yet..Shane Foss
If you have given up on looking for health benefits for your employees because of high cost and poor access. We have good news!! Hooray Health provides a new, innovative health plan with an urgent care network, $25 copay, $0 annual deductible, no balance bills and for under $100/month.
This document provides information about Extra Help, a program that helps Medicare beneficiaries pay for prescription drug costs. It describes who qualifies for Extra Help based on income and resource limits. It explains how to apply online or through other means. It also notes that applying for Extra Help can help qualify a person for additional assistance through state Medicare Savings Programs.
Medigap policies are supplemental private health insurance plans that help cover some out-of-pocket costs that Medicare does not cover, such as coinsurance, deductibles, and services not covered by Medicare. There are 14 standardized Medigap plans that must offer certain core benefits. When choosing a Medigap plan, consider your needed benefits and the costs, which can vary between insurers based on factors like age, health, discounts, and pricing methods. Resources for information on Medigap include Medicare, State Health Insurance Assistance Programs, and State Insurance Departments.
Whole life insurance is a type of permanent life insurance that is designed to remain in force for the entire lifetime of the insured as long as premiums are paid. Premiums for whole life policies remain level and a portion of each premium is invested, allowing the policy to accumulate a cash value over time. There are two primary types of whole life policies: ordinary life, where premiums are paid until death, and limited-payment life, where premiums are paid over a shorter specified period. Whole life is commonly used for family protection, business planning, accumulation needs, and charitable gifts.
Universal life insurance separates a policy into mortality, expense, and cash value components. This allows flexibility to modify premiums or death benefits in response to changing needs. Premiums deduct monthly charges for mortality and expenses from the cash value balance, which earns interest. Universal life comes in two types - type I pays a fixed death benefit while type II pays the face value plus cash value. Universal life is useful for needs that may change over time like family protection, business planning, or accumulation goals.
There are several types of life insurance policies that are suited for different needs:
Decreasing term policies have level premiums but decreasing coverage over time, used for obligations that decrease like mortgages. Annual renewable term policies have increasing premiums but level coverage for short periods, used for constant short-term obligations like a child's expenses. Whole life, universal life, and variable policies have level premiums and coverage but build cash value over the long-term, used for needs like providing lifetime income or paying estate taxes. The document provides details on each type of policy.
Term life insurance provides death benefits for a limited period of time, unlike permanent life insurance which provides coverage for one's entire lifetime. Term insurance functions similarly to auto insurance in that it only provides protection for a set time period - if no claim is made, no benefits are paid out. There are different types of term policies that can have fixed or increasing premiums over time. Term insurance is commonly used to provide financial protection for families and to cover business-related needs for a temporary period. Optional riders can be added to term policies to provide additional benefits.
Indexed universal life insurance (IUL) policies allow policyholders to earn returns linked to market indexes, such as the S&P 500, while providing a guaranteed minimum return. IUL policies credit interest to the cash value based on the greater of the guaranteed minimum rate or a formula related to market index performance. IUL policies offer flexibility to modify premiums or death benefits over time in response to changing needs. IUL policies can be used for family protection, business planning, accumulation needs, and charitable gifts.
Terminally ill individuals facing high medical costs and reduced income have some options to reduce financial concerns from their life insurance policies. These include borrowing against the cash value, surrendering the policy for its current value, borrowing from third parties, or accessing accelerated death benefits that pay out a portion of the policy while still alive and tax-free. Another option is a viatical settlement where the policy is sold to an investor for a percentage of its face value, providing cash to the policy owner during their lifetime. Several factors determine the percentage payout offered in a viatical settlement.
This document provides an overview of Medicare options, including:
- The four parts of Medicare (A, B, C, D) and what they cover
- Choosing between original Medicare or Medicare Advantage plans
- Factors to consider when choosing a plan like costs, doctors, and prescription drug coverage
- Enrollment periods for Medicare including an initial 7-month window and annual open enrollment
The document aims to help readers understand their Medicare coverage options and enrollment process.
This document compares Medicare Supplement Plans F and G. Plan F pays all Medicare deductibles and coinsurance, so the individual pays $0 out of pocket. Plan G also covers Medicare deductibles but has a $183 annual deductible for medical services, so the individual pays that amount out of pocket plus any Medicare coinsurance. Both plans cover extended hospital stays, blood transfusions, hospice care, and skilled nursing facility care with no out of pocket costs. Plan F provides the most comprehensive coverage with $0 out of pocket costs.
The EyeMed Access Plan D is a discount plan that provides reduced fees for eye exams, frames, lenses, and contact lenses at the point of service with an unlimited frequency. Members get the largest discounts when purchasing a complete pair of eyeglasses. The plan has a 24-month contract term and rate guarantee. It offers savings on exams, frames, lenses, and contact lenses but does not cover services or contact lenses. Replacements can be obtained online at discounted prices.
This document outlines an accident expense insurance plan that provides coverage for medical expenses, accidental death, dismemberment, and disability resulting from accidents. It covers individuals from ages 0-75 and offers 1 or 2 units of coverage. Some key exclusions include injuries from sickness, war, illegal acts, alcohol/drug use, and travel on non-commercial flights. The plan offers benefits like paying medical expenses from accidents, accidental death benefits, ambulance costs, hospital income, and lost limbs or sight. Rates vary based on the coverage level and type of policy purchased.
This document lists exclusions and limitations for a short-term medical insurance plan. It excludes coverage for pre-existing conditions, pregnancy, dental care, vision care, and any treatment not deemed medically necessary. It also excludes coverage for any injuries or illnesses related to military service, illegal acts, suicide attempts, war or riots. The plan has a 15-day waiting period for sickness coverage and provides coverage from day 1 for injuries. The maximum benefit is $250,000 per person.
This document summarizes a critical illness insurance plan called Crisis Recovery. It provides a lump sum cash benefit if the policyholder is diagnosed with a covered illness to help with expenses. Covered illnesses include cancer, heart attack, stroke, organ transplants, end-stage renal failure, and others. The plan offers benefits between $10,000-$50,000 and has a dependent child benefit of $10,000. It has exclusions for pre-existing conditions and limits payouts after age 65. Premiums increase annually based on the policyholder's attained age, meaning their age each year, making the cost more affordable over time compared to issue-age pricing used by some competitors.
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The best massage spa Ajman is Chandrima Spa Ajman, which was founded in 2023 and is exclusively for men 24 hours a day. As of right now, our parent firm has been providing massage services to over 50,000+ clients in Ajman for the past 10 years. It has about 8+ branches. This demonstrates that Chandrima Spa Ajman is among the most reasonably priced spas in Ajman and the ideal place to unwind and rejuvenate. We provide a wide range of Spa massage treatments, including Indian, Pakistani, Kerala, Malayali, and body-to-body massages. Numerous massage techniques are available, including deep tissue, Swedish, Thai, Russian, and hot stone massages. Our massage therapists produce genuinely unique treatments that generate a revitalized sense of inner serenely by fusing modern techniques, the cleanest natural substances, and traditional holistic therapists.
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Brochure bridging the gap
1. POLICY FORM H-0230
MAKE YOUR CURRENT
HEALTH INSURANCE
WORK BETTER FOR YOU
Underwritten By:
Philadelphia American Life Insurance Company
P.O. Box 4884 . Houston, TX 77210-4884
Limitations and Exclusions
We will not pay benefits under this policy for:
1. Services not covered under the Primary Medical Policy; or
2. Expenses in excess of benefit limits or maximums in the
Primary Medical Policy; or 3. Normal pregnancy (including
childbirth, false labor, occasional spotting, physician-prescribed
rest, morning sickness, hyperemesis gravidarum, preeclampsia
and similar conditions associated with a difficult pregnancy which
do not constitute a distinct complication of pregnancy) or
voluntary termination of pregnancy; or 4. Usual and customary
routine nursery care, or well-baby care or immunizations; or any
other usual and customary routine care and treatment following
full term or premature birth, not incident and necessary to the
treatment of Injury or Sickness; or 5. Convalescent, skilled
nursing, educational care or for nervous or mental disorders,
unless covered by Your Primary Medical Policy; or 6. Dental
treatment, hearing aids or eye refractive exams, refractive
surgery or refractive treatment; or 7. Any outpatient service,
Inpatient Hospital Stay or other service for which You or a Family
Member do not incur a charge; or 8. Any loss covered by any
Workmen’s Compensation or Employers’ Liability Law; or 9. Any
outpatient service, Inpatient Hospital Stay or other service that is
not medically necessary, or is cosmetic in nature; or 10. Any
expense incurred in excess of the usual, customary and regular
charges for any service or materials in the geographic area
where furnished; or 11. Charges incurred for professional
radiological, pathological or EKG interpretations, unless covered
by Your Primary Medical Policy; or 12. Rehabilitative care
services received at a facility not meeting the definition of a
Hospital, unless covered by Your Primary Medical Policy; or
13. Treatment or services incurred outside of the U.S.
boundaries; or 14. Infertility or sterilization treatment procedures,
unless covered by Your Primary Medical Policy.
BRIDGING
THE
GAP
Bucket of Money
Think of your GAP benefits as if you were purchasing a
bucket of money at a fraction of the cost to help offset the
expense associated with your medical deductible and co-
insurance.
Deductible
Co-insurance
Pre-Existing Conditions
This policy does not insure You against loss incurred during the
twelve (12) months immediately after the Effective Date of this
policy if that loss results from a Pre-Existing Condition. In
addition, any Pre-Existing Condition listed on the application is
not covered for the first twelve (12) months after the policy
Effective Date.
You will take enough money out of your bucket to pay for
your plan’s Deductible.
You will also take enough money out of your bucket to pay
your Co-insurance amount.
And then each calendar year we will refill the bucket up to
your annual pre-selected amount.
2. Benefit Options That Helps? Does the GAP plan cover the expenses
associated with Outpatient Expenses?
How will you prepare for Out-of-Pocket
charges from hospital and doctor bills?
As healthcare costs continue to increase, many
individuals and businesses are moving towards
high-deductibles and increased co-insurance on
major medical plans in an effort to reduce costs.
While this approach reduces the cost of your
health insurance, it puts you at greater financial
risk. In fact, more than six in 10 adults who say
they have problems paying their medical bills are
covered by health insurance.*
Philadelphia American Life Insurance Company’s
GAP plan helps bridge gaps in the coverage that
exist in your current insurance plan by reducing
or even eliminating the Out-of-Pocket expenses
associated with hospital and doctors bills. The
plan pays the difference in what your medical
plan would pay and what you or a covered family
member would owe.
Benefits are limited to the deductibles, co-pays
and co-insurance amounts that you or each of
your covered family members are required to pay
under your Primary Medical Insurance and include:
In-patient hospital expenses
In-patient surgeries
Physician’s hospital charges
Plus 50% of covered Outpatient expenses
which are considered eligible expenses under
your Primary Medical Insurance policy.
* Kaiser Family Foundation/Harvard School of Public Health Care
Costs Survey
EXAMPLE OF HOW INPATIENT BENEFITS
ARE PAID
Hospital Stay + Surgery = $ 15,500
With
Without $5,000
GAP Plan GAP Plan
Deductible $2,500 $2,500
Co-insurance (20%)
Out-of-Pocket $2,600 $2,600
PALIC Complete $0 $5,000
Total Out-of-Pocket $5,100 $ 100
Will the GAP plan pay the out-of-pocket
Inpatient Hospital Expenses?
Benefit Options:
To help bridge the coverage gap you can
select an annual calendar benefit starting as
low as $2,000 or a maximum benefit of
$10,000. (Selections are in $1,000 increments)
Deductibles:
You have a deductible choice of $0, $250, $500
or $1,000.
Yes. It is also designed to help you with your
outpatient medical expenses by paying 50%
of outpatient expenses that you or a covered
family member would owe and are related to
co-insurance and/or deductible expenses.
These expenses must be considered eligible
expenses under your Primary Medical plan
but are not paid by the plan.
Example:
You currently have an outpatient Doctors
office visit expense of $150.
Yes, the plan is designed to help you by
paying your in-patient hospital expenses for
plan deductibles and co-insurance which are
not paid by your Primary Medical Insurance
Policy but are still considered eligible
expenses by your Primary Medical Insurance
Policy
HOW THE OUTPATIENT BENEFITS IS
PAID AT 50% OF ELIGIBLE EXPENSES
Doctor office visit = $ 150
Without With
GAP Plan GAP Plan
Applied to Deductible $150 $150
PALIC Complete
@ 50% of Outpatient $ 0 $ 75
Total Out-of-Pocket $150 $ 75
Benefits Claim Filings
We will pay Hospital Inpatient Benefits equal to
100% and Outpatient Benefits equal to 50% of
any copayments, deductibles or co-insurance for
which You are responsible under Your Primary
Medical Policy, up to the Maximum Annual
Benefit you selected each calendar year. When
filing a claim, please submit the Explanation of
Benefits provided by your Primary Medical Policy
or other documentation showing amounts for
which You are responsible for under this Policy.