This presentation provides an overview of eligibility for government financial assistance programs through Covered California and provides instructions for enrolling in a Covered California health plan.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Review this presentation to understand how health insurance actually works and then visit us online at www.selectmycoverage.com to obtain a quote and apply
This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Review this presentation to understand how health insurance actually works and then visit us online at www.selectmycoverage.com to obtain a quote and apply
This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.
[ON-DEMAND WEBINAR] Social Security v. Medicare: Addressing Your Most Asked Q...Rea & Associates
Will Social Security Be There For You?
We don't know anybody who doesn't have questions when it comes to the topic of Social Security and Medicare. There are worries regarding long-term availability, how to maximize benefits, and when certain tasks should be done - to name a few. This hour-long webinar will answer many of these vital questions to provide you with the peace of mind that you need when entering this new phase of your life.
What You'll Learn:
Presented by later life planning experts, Darlene Finzer with Rea & Associates and Terry O'Shea and Rhonda Kraus with Senior Benefit Advantage, we will dive into the following points:
- The two big questions regarding Social Security: Will it be there for me and (if so) how do I maximize benefits?
- A deeper look at the history of Social Security versus where it stands today.
- Important (but maybe lesser-known) facts about Social Security that all Americans should know.
- What is Medicare, what does it cost, what does it cover and when can you get it?
- Comparing original Medicare, Medicare Supplement, and Medicare Advantage - and which one is right for you?
R. Dane Rianhard's presentation on the Affordable Care Act; Present for Smith Elliott Kearns & Company at Fountain Head Country Club in Hagerstown Maryland on Tuesday 10/1/2013
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
This presentation highlights the changes required of small businesses to maintain compliance with Health Care Reform regulations. Cathy Harbison, director of operations for employee benefits at Neace Lukens, served as the expert speaker to explain upcoming changes for 2011 – 2014, and the implications for businesses with less than 50 employees.
[ON-DEMAND WEBINAR] Social Security v. Medicare: Addressing Your Most Asked Q...Rea & Associates
Will Social Security Be There For You?
We don't know anybody who doesn't have questions when it comes to the topic of Social Security and Medicare. There are worries regarding long-term availability, how to maximize benefits, and when certain tasks should be done - to name a few. This hour-long webinar will answer many of these vital questions to provide you with the peace of mind that you need when entering this new phase of your life.
What You'll Learn:
Presented by later life planning experts, Darlene Finzer with Rea & Associates and Terry O'Shea and Rhonda Kraus with Senior Benefit Advantage, we will dive into the following points:
- The two big questions regarding Social Security: Will it be there for me and (if so) how do I maximize benefits?
- A deeper look at the history of Social Security versus where it stands today.
- Important (but maybe lesser-known) facts about Social Security that all Americans should know.
- What is Medicare, what does it cost, what does it cover and when can you get it?
- Comparing original Medicare, Medicare Supplement, and Medicare Advantage - and which one is right for you?
R. Dane Rianhard's presentation on the Affordable Care Act; Present for Smith Elliott Kearns & Company at Fountain Head Country Club in Hagerstown Maryland on Tuesday 10/1/2013
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
This presentation highlights the changes required of small businesses to maintain compliance with Health Care Reform regulations. Cathy Harbison, director of operations for employee benefits at Neace Lukens, served as the expert speaker to explain upcoming changes for 2011 – 2014, and the implications for businesses with less than 50 employees.
The pending Healthy Ohio 1115 Medicaid waiver would require nearly all non-disabled adults on Ohio Medicaid to pay premiums. If approved by the federal government, the waiver would result in a greater number of uninsured Ohioans as well as increased Medicaid administrative costs and complexity.
Speakers include:
* Tara Britton, Public Policy Fellow, The Center for Community Solutions
* Nita Carter, Project Director, UHCAN Ohio
This educational webinar, outlined the key legal requirements that need to be considered when implementing a corporate wellness program. We will discuss successful ways that companies have developed communication with their population, to not only get them engaged, but to get them fully on board.
The rules and regulations required by HIPAA, GINA, the ADEA and the ADA will be addressed, as well as the changes brought about by PPACA. This webinar will provide the knowledge and guidance needed by first time - and long time - managers of corporate wellness programs.
CDSCO and Phamacovigilance {Regulatory body in India}NEHA GUPTA
The Central Drugs Standard Control Organization (CDSCO) is India's national regulatory body for pharmaceuticals and medical devices. Operating under the Directorate General of Health Services, Ministry of Health & Family Welfare, Government of India, the CDSCO is responsible for approving new drugs, conducting clinical trials, setting standards for drugs, controlling the quality of imported drugs, and coordinating the activities of State Drug Control Organizations by providing expert advice.
Pharmacovigilance, on the other hand, is the science and activities related to the detection, assessment, understanding, and prevention of adverse effects or any other drug-related problems. The primary aim of pharmacovigilance is to ensure the safety and efficacy of medicines, thereby protecting public health.
In India, pharmacovigilance activities are monitored by the Pharmacovigilance Programme of India (PvPI), which works closely with CDSCO to collect, analyze, and act upon data regarding adverse drug reactions (ADRs). Together, they play a critical role in ensuring that the benefits of drugs outweigh their risks, maintaining high standards of patient safety, and promoting the rational use of medicines.
263778731218 Abortion Clinic /Pills In Harare ,sisternakatoto
263778731218 Abortion Clinic /Pills In Harare ,ABORTION WOMEN’S CLINIC +27730423979 IN women clinic we believe that every woman should be able to make choices in her pregnancy. Our job is to provide compassionate care, safety,affordable and confidential services. That’s why we have won the trust from all generations of women all over the world. we use non surgical method(Abortion pills) to terminate…Dr.LISA +27730423979women Clinic is committed to providing the highest quality of obstetrical and gynecological care to women of all ages. Our dedicated staff aim to treat each patient and her health concerns with compassion and respect.Our dedicated group ABORTION WOMEN’S CLINIC +27730423979 IN women clinic we believe that every woman should be able to make choices in her pregnancy. Our job is to provide compassionate care, safety,affordable and confidential services. That’s why we have won the trust from all generations of women all over the world. we use non surgical method(Abortion pills) to terminate…Dr.LISA +27730423979women Clinic is committed to providing the highest quality of obstetrical and gynecological care to women of all ages. Our dedicated staff aim to treat each patient and her health concerns with compassion and respect.Our dedicated group of receptionists, nurses, and physicians have worked together as a teamof receptionists, nurses, and physicians have worked together as a team wwww.lisywomensclinic.co.za/
Recomendações da OMS sobre cuidados maternos e neonatais para uma experiência pós-natal positiva.
Em consonância com os ODS – Objetivos do Desenvolvimento Sustentável e a Estratégia Global para a Saúde das Mulheres, Crianças e Adolescentes, e aplicando uma abordagem baseada nos direitos humanos, os esforços de cuidados pós-natais devem expandir-se para além da cobertura e da simples sobrevivência, de modo a incluir cuidados de qualidade.
Estas diretrizes visam melhorar a qualidade dos cuidados pós-natais essenciais e de rotina prestados às mulheres e aos recém-nascidos, com o objetivo final de melhorar a saúde e o bem-estar materno e neonatal.
Uma “experiência pós-natal positiva” é um resultado importante para todas as mulheres que dão à luz e para os seus recém-nascidos, estabelecendo as bases para a melhoria da saúde e do bem-estar a curto e longo prazo. Uma experiência pós-natal positiva é definida como aquela em que as mulheres, pessoas que gestam, os recém-nascidos, os casais, os pais, os cuidadores e as famílias recebem informação consistente, garantia e apoio de profissionais de saúde motivados; e onde um sistema de saúde flexível e com recursos reconheça as necessidades das mulheres e dos bebês e respeite o seu contexto cultural.
Estas diretrizes consolidadas apresentam algumas recomendações novas e já bem fundamentadas sobre cuidados pós-natais de rotina para mulheres e neonatos que recebem cuidados no pós-parto em unidades de saúde ou na comunidade, independentemente dos recursos disponíveis.
É fornecido um conjunto abrangente de recomendações para cuidados durante o período puerperal, com ênfase nos cuidados essenciais que todas as mulheres e recém-nascidos devem receber, e com a devida atenção à qualidade dos cuidados; isto é, a entrega e a experiência do cuidado recebido. Estas diretrizes atualizam e ampliam as recomendações da OMS de 2014 sobre cuidados pós-natais da mãe e do recém-nascido e complementam as atuais diretrizes da OMS sobre a gestão de complicações pós-natais.
O estabelecimento da amamentação e o manejo das principais intercorrências é contemplada.
Recomendamos muito.
Vamos discutir essas recomendações no nosso curso de pós-graduação em Aleitamento no Instituto Ciclos.
Esta publicação só está disponível em inglês até o momento.
Prof. Marcus Renato de Carvalho
www.agostodourado.com
These simplified slides by Dr. Sidra Arshad present an overview of the non-respiratory functions of the respiratory tract.
Learning objectives:
1. Enlist the non-respiratory functions of the respiratory tract
2. Briefly explain how these functions are carried out
3. Discuss the significance of dead space
4. Differentiate between minute ventilation and alveolar ventilation
5. Describe the cough and sneeze reflexes
Study Resources:
1. Chapter 39, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 34, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 17, Human Physiology by Lauralee Sherwood, 9th edition
4. Non-respiratory functions of the lungs https://academic.oup.com/bjaed/article/13/3/98/278874
- Video recording of this lecture in English language: https://youtu.be/lK81BzxMqdo
- Video recording of this lecture in Arabic language: https://youtu.be/Ve4P0COk9OI
- Link to download the book free: https://nephrotube.blogspot.com/p/nephrotube-nephrology-books.html
- Link to NephroTube website: www.NephroTube.com
- Link to NephroTube social media accounts: https://nephrotube.blogspot.com/p/join-nephrotube-on-social-media.html
Title: Sense of Taste
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the structure and function of taste buds.
Describe the relationship between the taste threshold and taste index of common substances.
Explain the chemical basis and signal transduction of taste perception for each type of primary taste sensation.
Recognize different abnormalities of taste perception and their causes.
Key Topics:
Significance of Taste Sensation:
Differentiation between pleasant and harmful food
Influence on behavior
Selection of food based on metabolic needs
Receptors of Taste:
Taste buds on the tongue
Influence of sense of smell, texture of food, and pain stimulation (e.g., by pepper)
Primary and Secondary Taste Sensations:
Primary taste sensations: Sweet, Sour, Salty, Bitter, Umami
Chemical basis and signal transduction mechanisms for each taste
Taste Threshold and Index:
Taste threshold values for Sweet (sucrose), Salty (NaCl), Sour (HCl), and Bitter (Quinine)
Taste index relationship: Inversely proportional to taste threshold
Taste Blindness:
Inability to taste certain substances, particularly thiourea compounds
Example: Phenylthiocarbamide
Structure and Function of Taste Buds:
Composition: Epithelial cells, Sustentacular/Supporting cells, Taste cells, Basal cells
Features: Taste pores, Taste hairs/microvilli, and Taste nerve fibers
Location of Taste Buds:
Found in papillae of the tongue (Fungiform, Circumvallate, Foliate)
Also present on the palate, tonsillar pillars, epiglottis, and proximal esophagus
Mechanism of Taste Stimulation:
Interaction of taste substances with receptors on microvilli
Signal transduction pathways for Umami, Sweet, Bitter, Sour, and Salty tastes
Taste Sensitivity and Adaptation:
Decrease in sensitivity with age
Rapid adaptation of taste sensation
Role of Saliva in Taste:
Dissolution of tastants to reach receptors
Washing away the stimulus
Taste Preferences and Aversions:
Mechanisms behind taste preference and aversion
Influence of receptors and neural pathways
Impact of Sensory Nerve Damage:
Degeneration of taste buds if the sensory nerve fiber is cut
Abnormalities of Taste Detection:
Conditions: Ageusia, Hypogeusia, Dysgeusia (parageusia)
Causes: Nerve damage, neurological disorders, infections, poor oral hygiene, adverse drug effects, deficiencies, aging, tobacco use, altered neurotransmitter levels
Neurotransmitters and Taste Threshold:
Effects of serotonin (5-HT) and norepinephrine (NE) on taste sensitivity
Supertasters:
25% of the population with heightened sensitivity to taste, especially bitterness
Increased number of fungiform papillae
Muktapishti is a traditional Ayurvedic preparation made from Shoditha Mukta (Purified Pearl), is believed to help regulate thyroid function and reduce symptoms of hyperthyroidism due to its cooling and balancing properties. Clinical evidence on its efficacy remains limited, necessitating further research to validate its therapeutic benefits.
2. Disclaimers and Copyright
This presentation is copyrighted by Brent Heurter and Healthy Halo Insurance Services, Inc. which is solely
responsible for its content. Affordable California, Brent Heurter and Healthy Halo Insurance Services are
not affiliated with Covered California, and Covered California bears no responsibility for the content of this
presentation. The email addresses and telephone number that appears throughout this presentation
belong to Brent Heurter and Healthy Halo Insurance Services, Inc. and cannot be used to contact Covered
California.
Copyright 2013-2014, Healthy Halo Insurance Services, Inc. All rights reserved. No duplication, in whole or
in part, permitted without expressed written consent. Health insurance provided by Healthy Halo
Insurance Services, Inc., CA License #: OF76504
3. Elea Sherrod, Enrollment Director
Affordable California™
Brent Heurter, Director of Education
Affordable California™
6. Introduction
• The Affordable Care Act and Obamacare are
the same
• Starting in 2014, most people are required to
have health insurance under Federal law
7. Introduction
• Financial assistance is available for those who
qualify
• Medi-Cal is being expanded to cover more
people and is based only on income
8. Reasons people
do not have
health insurance:
• Pre-existing conditions
• Not offered by their employer
• Unaffordable
9. Why get health insurance?
• Because life is unpredictable
• Because medical care is expensive
• Because health insurance protects you
financially
10. Why get health insurance?
• Because health insurance covers more than
just injury or illness
• Because health insurance is now affordable
• Because it’s the law!
11. Average costs
without insurance
• Average cost of broken arm is $14,911
• Average cost of pregnancy is $18,320
• Average cost of hospital stay is $33,079
13. Do any of the following
apply to you:
•Income is below the tax filing threshold
• Undocumented immigrant
• Insurance would cost more than 8% of your income
• Member of an Indian tribe
15. If No then:
Do you currently have health care coverage – or
expect to have it by January 1, 2014:
• Employer-sponsored healthcare
• Coverage purchased in the individual market
• Medicare
• Medi-Cal
• TRICARE or Veteran’s Health Program
16. If Yes then
The requirement to have
health insurance is satisfied
and no penalty is assessed
17. If No then
There is a penalty for being without
health insurance:
18. You must enroll no
later than
March 31, 2014 to
avoid a tax penalty
26. What is Medi-Cal?
• California’s version of Medicaid
• Government-run healthcare program for lowincome individuals and families that qualify
• Not private insurance
27. Am I eligible for Medi-Cal?
$15,856 or less
$21,403 or less
$26,961 or less
$32,499 or less
$38,046 or less
$43,594 or less
28. Are my children eligible
for Medi-Cal? (under age 18)
$30,563 or less
$41,256 or less
$51,949 or less
$62,643 or less
$73,336 or less
$84,029 or less
29. Med-Cal have access to
vs. Subsidized
What if I
Private Health Plan
affordable coverage?
• Ask your employer to not offer spousal and
dependent coverage
$$1.00
• Ask your employer to make your job
classification not eligible for benefits
in annual income can
• Consider working part-time
determine eligibility
30. What if I don’t want
Medi-Cal?
• Adults can purchase a private health plan, but
will not be eligible for subsidies
• Private health plans for children may be
purchased and the parents will still be eligible
for the maximum subsidy
• Health plans for children start at $96
34. Key Terms to Know
• Medical Deductible: how much you pay for medical services before the
health plan pays (example, $2,000)
• Brand Name Drug Deductible: how much you pay for brand-name
prescriptions before the health plan pays (example, $250)
• Co-Payment: fixed amount you pay for a service (example, $45)
• Co-insurance: a % of the plan’s negotiated rate that you pay for a
service (example, 20%)
• Maximum Out of Pocket: the most you pay in a year before the health
insurance pays 100% of costs. Think of it as your safety net.
35. Types of Health Plans
Plan Feature:
HMO EPO
PP
O
Designate a primary care
physician?
Need a referral to see a
specialist?
Out of network benefit?
Level of flexibility?
Yes
No
No
Yes
No
No
No
No
Yes
Minimal Moderate High
38. Enhanced Silver Benefits
based on Income
1 person = $15,857 to $28,725
2 people = $21,404 to $38,775
3 people = $26,953 to $48,825
4 people = $32,500 to $58,875
5 people = $38,047 to $68,925
6 people = $43,595 to $78,975
38
42. What is a Premium
Subsidy?
• Reduces your monthly premium
• Amount is based on your household’s
projected income for 2014
• Paid by the federal government
directly to the insurance company you
select
42
45. Maximum Monthly
Premium
• Based on second most affordable Silver plan
• Maximum amount you will pay
• Based on percentage of income
• Your premiums cannot increase
• Buy less expensive Bronze plan or pay more for
Gold or Platinum
45
49. Income Includes:
• Wages, salaries, tips
• Business or self-employment income
• Rental income
• Interest received or accrued
• Capital gains
• Alimony
49
50. Deductions
• Self-employed expenses
• Student loan interest
• IRA and Health Savings Account deductions
• Moving expenses
• Penalty on early withdrawal of savings
• Alimony
50
51. Modified Adjusted
Gross Income (MAGI)
• Line 4 of Form 1040 EZ
• Line 21 of Form 1040A
• Line 37 of Form 1040
• Add in non-taxable Social Security Benefits
• Add in non-exempt interest
• Include any income earned by children if you claim them as dependents
• Spouses are required to file their income taxes jointly
51
52. Project I have access to
your income
What if
wisely… coverage?
affordable
• Ask your employer to not offer spousal and
dependent coverage
$$1.00
• Ask your employer to make your job
classification not eligible for benefits
• Consider working part-time
Can make a big
difference
53. What if I don’t qualify for
a subsidy?
Single
$45,961 or more
Family of Three
$62,041 or more
Family of Four
$78,121 or more
Family of Five
$94,201 or more
Family of Six
$126,361 or more
You can buy the same plans, have the same benefits and have more
choices from the private market
53
54. What am I eligible for?
Medi-Cal
Premium Assistance Premium Assistance
& Cost Sharing
Assistance
up to
$15,856
up to
$21,403
$21,404 to $38,775 $21,403 - $62,040 $62,041 or more
up to
$26,951
$26,952 to $48,825 $26,952 to $78,120 $78,121 or more
up to
$32,499
$32,500 to $58,875 $32,500 to $94,200 $94,201 or more
up to
$38,046
$38,047 to $68,925
up to
$43,594
$15,857 - $28,725
Affordable
Health
Insurance
$43,595 to $78,975
$15,857 - $45,960 $45,961 or more
$38,047 to
$110,280
$110,281 or
$43,595 to
$126,361 or
more
55. Eligibility for Medi-Cal
Premium Subsides
Not Eligible for
Subsidies
Eligible for
Subsidies
Eligible for
Enhanced
Benefits &
Subsidies
Eligible for
Medi-Cal
56. Eligibility for Medi-Cal
Premium Subsides
Not Eligible for
Subsidies
Eligible for
Subsidies
Eligible for
Enhanced
Benefits &
Subsidies
Eligible for
Medi-Cal
57. Eligibility for Medi-Cal
Premium Subsides
Not Eligible for
Subsidies
Eligible for
Subsidies
Eligible for
Enhanced
Benefits &
Subsidies
Eligible for
Medi-Cal
58. Eligibility for Medi-Cal
Premium Subsides
Not Eligible for
Subsidies
Eligible for
Subsidies
Eligible for
Enhanced
Benefits &
Subsidies
Eligible for
Medi-Cal
60. Open Enrollment
• You can only enroll during annual open enrollment
• Next open enrollment period starts November 15, 2014
for coverage effective January 1, 2015
• Exceptions are if you have a qualifying life event: loss of
employer-sponsored coverage, death of a spouse, birth of
a child
• You must enroll by March 31, 2014 to avoid a tax penalty
for 2014
60
62. How to Choose a Plan
• How many doctor visits, prescriptions and hospital
stays do I expect my family to use in the next year?
• What level of coverage do I want? Bronze, Silver,
Gold or Platinum?
• Do I qualify for an Enhanced Silver Plan?
• What type of network do I want?
PPO?
HMO, EPO or
64. We make it easy
•
We’ll determine your eligibility for subsidies
•
We’ll find the plans that have your doctors
•
We’ll show you plan choices and options
•
We’ll help you select the plan best suited for you
•
We’ll help you apply for government assistance
•
We’ll handle the enrollment process
•
We’ll help you with the appeals process if you get
turned down
64
65. Our commitment to
you
• We’ll help you figure out if you’re eligible for money from
the government or your employer, and we’ll help you get
that money
• We’ll help you choose the right health plan
• We’ll make sure you get the best deal possible
• We’ll help you with the paperwork to enroll or enroll for
you
• If you run into any roadblocks, get confused, have an
issue with your plan or a change in circumstance, we’ll
always here to help.
65
66. If You Enroll by:
Your Health plan must
receive first month’s
premium by:
For coverage effective:
January 15, 2014
January 28, 2014
February 1, 2014
February 15, 2014
February 25, 2014
March 1, 2014
March 15, 2014
March 26, 2014
April 1, 2014
March 31, 2014
April 25, 2014
May 1, 2013
67. Next Steps
• Complete enrollment form
• FAX with documentation to 1-800-297-6319 (no
emails, please) docs
• Call us at 1-800-788-2197 if you need help
• Pay the first month’s premium before the due
date
Bronze Plan: Most Affordable
Silver Plan: Second Most Affordable
Gold Plan: $0 Deductible & Lower Out of Pocket Costs
Platinum Plan: $0 Deductible and Lowest Out of Pocket Costs
6 health carriers in the Greater Los Angeles area and 27 plans to select from.
If you expect a lot of medical expenses, a plan that offers a higher level of coverage might be a better
choice. Premiums are higher, but your copays and deductible will be less, so overall it will be less expensive