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.
Medicare 101: The A,B,C, and D\’s of MedicareMark Lane
A overview of the basic components of Medicare, how they work, and what financial exposure exists under Basic Medicare coverage. Highlights supplemental or alternative coverage options within the Medicare framework.
Medicare 101: The A,B,C, and D\’s of MedicareMark Lane
A overview of the basic components of Medicare, how they work, and what financial exposure exists under Basic Medicare coverage. Highlights supplemental or alternative coverage options within the Medicare framework.
Read the latest benefits information from Independent Medicare broker Erin Hart from American HealthCare Group. Learn about Medicare income limits, care plans, and topics to consider when planning for health benefits in retirement.
Read the latest benefits information from Independent Medicare broker Erin Hart from American HealthCare Group. Learn about Medicare income limits, care plans, and topics to consider when planning for health benefits in retirement.
Gift your clients or staff Corporate Diary to make the moment memorable, or customize them according to the occasion. Put a great impression of your company with the corporate diaries in the conference.
Pianificare le ferie del proprio team, spesso un incubo per manager e respons...Cezanne HR Italia
Una gestione ottimale delle ferie ed assenze dal lavoro può comportare per le aziende significativi benefici economico-finanziari, di produttività e di clima aziendale.
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.
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
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
“Surviving the Changing World of Patient Collections”PYA, P.C.
Many factors brought on by healthcare reform are affecting patient collections—new health exchange plans, newly insured individuals, more high-deductible plans, increased patient co-insurance responsibilities, and higher co-pays. Medical practices and their staff must become more diligent in patient collections to maintain healthy bottom lines. PYA Consulting Principal Lori Foley recently presented “Surviving the Changing World of Patient Collections” during the Business of Medicine Program at Kennesaw State University.
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!
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
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
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
Prix Galien International 2024 Forum ProgramLevi Shapiro
June 20, 2024, Prix Galien International and Jerusalem Ethics Forum in ROME. Detailed agenda including panels:
- ADVANCES IN CARDIOLOGY: A NEW PARADIGM IS COMING
- WOMEN’S HEALTH: FERTILITY PRESERVATION
- WHAT’S NEW IN THE TREATMENT OF INFECTIOUS,
ONCOLOGICAL AND INFLAMMATORY SKIN DISEASES?
- ARTIFICIAL INTELLIGENCE AND ETHICS
- GENE THERAPY
- BEYOND BORDERS: GLOBAL INITIATIVES FOR DEMOCRATIZING LIFE SCIENCE TECHNOLOGIES AND PROMOTING ACCESS TO HEALTHCARE
- ETHICAL CHALLENGES IN LIFE SCIENCES
- Prix Galien International Awards Ceremony
NVBDCP.pptx Nation vector borne disease control programSapna Thakur
NVBDCP was launched in 2003-2004 . Vector-Borne Disease: Disease that results from an infection transmitted to humans and other animals by blood-feeding arthropods, such as mosquitoes, ticks, and fleas. Examples of vector-borne diseases include Dengue fever, West Nile Virus, Lyme disease, and malaria.
Knee anatomy and clinical tests 2024.pdfvimalpl1234
This includes all relevant anatomy and clinical tests compiled from standard textbooks, Campbell,netter etc..It is comprehensive and best suited for orthopaedicians and orthopaedic residents.
- 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
TEST BANK for Operations Management, 14th Edition by William J. Stevenson, Ve...kevinkariuki227
TEST BANK for Operations Management, 14th Edition by William J. Stevenson, Verified Chapters 1 - 19, Complete Newest Version.pdf
TEST BANK for Operations Management, 14th Edition by William J. Stevenson, Verified Chapters 1 - 19, Complete Newest Version.pdf
Ethanol (CH3CH2OH), or beverage alcohol, is a two-carbon alcohol
that is rapidly distributed in the body and brain. Ethanol alters many
neurochemical systems and has rewarding and addictive properties. It
is the oldest recreational drug and likely contributes to more morbidity,
mortality, and public health costs than all illicit drugs combined. The
5th edition of the Diagnostic and Statistical Manual of Mental Disorders
(DSM-5) integrates alcohol abuse and alcohol dependence into a single
disorder called alcohol use disorder (AUD), with mild, moderate,
and severe subclassifications (American Psychiatric Association, 2013).
In the DSM-5, all types of substance abuse and dependence have been
combined into a single substance use disorder (SUD) on a continuum
from mild to severe. A diagnosis of AUD requires that at least two of
the 11 DSM-5 behaviors be present within a 12-month period (mild
AUD: 2–3 criteria; moderate AUD: 4–5 criteria; severe AUD: 6–11 criteria).
The four main behavioral effects of AUD are impaired control over
drinking, negative social consequences, risky use, and altered physiological
effects (tolerance, withdrawal). This chapter presents an overview
of the prevalence and harmful consequences of AUD in the U.S.,
the systemic nature of the disease, neurocircuitry and stages of AUD,
comorbidities, fetal alcohol spectrum disorders, genetic risk factors, and
pharmacotherapies for AUD.
New Drug Discovery and Development .....NEHA GUPTA
The "New Drug Discovery and Development" process involves the identification, design, testing, and manufacturing of novel pharmaceutical compounds with the aim of introducing new and improved treatments for various medical conditions. This comprehensive endeavor encompasses various stages, including target identification, preclinical studies, clinical trials, regulatory approval, and post-market surveillance. It involves multidisciplinary collaboration among scientists, researchers, clinicians, regulatory experts, and pharmaceutical companies to bring innovative therapies to market and address unmet medical needs.
2. Introduction
• New plan administrator-J.P. Farley for the medical and prescription drug
coverage.
• No action needed if not making any changes. Current plan election will
transfer to new administrator.
• ID cards are mailed directly to your home address, watch your mail.
• Should you choose to waive coverage at this time, you must wait until next
open enrollment if you choose to reapply.
3. Today’s Discussion
• JP Farley: Medical/Prescription
o Referenced Based Pricing
• Wellness Incentives
• Anthem: Dental
• VSP: Vision
• Aetna:
o Life and Voluntary Life
o Short Term Disability (STD)
o Long Term Disability (LTD)
• Allstate:
o Voluntary Accident & Critical Illness
• Next Steps for Enrollment
• Questions
4. Plan Features
• Your plan does not utilize a network.
o The plan covers all legal and appropriate providers of covered
services.
o Your health plan will reimburse your claims on a set fee schedule
• You will have an ID card
o This card will have all the information providers need:
• To submit a claim to your health plan for payment.
• More information about the specific benefits your plan covers.
5. Plan Features
• Connected Care Management Services
o Nurse Care Manager provides a customized, coordinated treatment plan and education
that compliments your health care providers’ on-going care.
• 24/7 Website Access : JPFarley.com
o Plan information
o Claims information
o Plan forms
o Wellness tools
• Patient Advocacy Services
o Billing and out-of-pocket collections assistance:
• Help with favorable payment arrangements
• Protect against aggressive medical bill collectors
• Provide support to advocate for the participant’s patient rights
6. Patient Advocacy Q & A
• What if my provider bills me differently than my plan states?
o Should you receive a bill from your provider asking you to pay more for a service than indicated on
Explanation of Benefits (EOB) statement, call J.P. Farley and speak with a Patient Advocate.
• Balanced Billed?
1. Contact Patient Advocate Services
2. Patient Advocate will engage you and forward appropriate documentation to
provider and credit bureaus
3. Patient Advocate will maintain follow up and communication
4. Standard process usually only entails the need for two dispute letters
5. If collection notifications or aggressive bill collection attempts continue,
Patient Advocate will provide direction to legal resources to assist
7. How to Read Your Explanation(EOB) of Benefits Statement
8. Medical Details
In-Network
Deductible (Embedded/Per Person) $750 / $2,250
Coinsurance 70%
Out-of-Pocket Limit
Plan pays 100% after annual out-of-pocket maximum
(includes deductible and coinsurance)
$5,000 / $10,000
Preventive
Nationally recommended services
No Cost Share
Urgent Care $25
Emergency Room $250-30% coinsurance
Inpatient / Outpatient Services @ Hospital 70% after deductible
Precertification will be required if you have any of the following: Inpatient
hospitalization, Inpatient surgery, Outpatient surgery, Diagnostic testing and
imaging studies, Mental health and chemical dependency services.
10. Prescription Drug
• Pharmacy Benefit
o Prescription Benefit Coverage is designed to provide coverage for retail and mail order
prescriptions. Your medical plan enrollment provides you access to this benefit. Options
include home delivery and 90-day retail supplies.
• Prescription Precertification
o Required for all medications that cost $750+ per month or per dose. We can assist
you with additional care and assistance in obtaining the full advantages of the
best specialty pharmacy benefit options in the marketplace today.
11. Practical Prescription Tips
$4 Generic Programs
o Walgreens, CVS, Wal-Mart, K Mart, Marcs, Giant Eagle, Sam’s Club
o Fill your 30 day generic Rx for $4
– Only applicable for select generic Rx’s
Free Medications
o Giant Eagle
o Blood Pressure, Antibiotics
– Only applicable on select medications
**Utilizing these programs to purchase your prescription will not
cause a claim through your insurance**
12. Prevention is Key
• Some of the recommended services you’ll have full coverage for include:
o Immunizations and wellness visits for children
o Routine preventive exams for adults
o Adult immunizations
o Adult screenings (e.g. mammogram, prostate, diabetes)
o Colorectal cancer screenings
• PLEASE NOTE:
o You won’t have to pay anything for these services when the purpose of your visit is to
get preventive care
o The services listed above are not preventive if you get them as part of a visit to diagnose,
monitor or treat an illness or injury. Then copays, coinsurance and deductibles apply.
o Let your doctor know that these preventive services are covered at 100% when they are
billed as part of your preventive care.
13. What is a Wellness Program?
• “Workplace Wellness refers to programs designed to improve the health
and well-being of employees in order to enhance organizational
performance and reduce costs. Wellness programs typically address
specific behaviors and health risk factors, such as poor nutrition, physical
inactivity, stress, obesity, and tobacco use. Wellness programs can also
focus on chronic disease management programs for asthma, diabetes,
insomnia and heart disease.” 1
1 Schweyer A. Energizing Workplace Wellness Programs: The Role of Incentives, Rewards & Recognition. Incentive Research Foundation. July
2011.
Accessed at http://theirf.org/direct/user/site/0/files/IRF%20Wellness%20Phase%20One%20Final%20June%2017%202011%20(1).pdf
14. Wellness Program
• Preventive Care Form
o Form is completed by Physician which states that participant is up to date with their
preventive care services for their age and gender.
You receive a reduction in your contribution of $25.00 a month for completing
Preventive Care Form
16. Contribution Savings
Coverage
2014 Monthly
Rates
Annual $ Saving vs.
2014
Annual % Savings
vs. 2014
Employee Only 117.61 $394.42 27.9%
Employee + 1 241.48 $1063.92 36.7%
Family 315.10 $897.26 23.7%
**Rates Assume Wellness Incentive Taken**
17. Dependent Eligibility
• In order to enroll a spouse in the company sponsored health plan you must:
o Provide proof of marriage
o Your spouse must not be eligible for benefits through their own employer
o You must provide a signed affidavit from their employer stating they are not eligible
for health insurance through their company.
• Children who submit proof of eligibility are eligible for all benefits until age 26
• Proof of eligibility documents include:
o Most recent federal tax filing form with financial information blacked-off.
o Birth certificate if child covered as tax dependent by another parent
o Marriage certificate dated within the last 12 months
18. Anthem - Dental
Search For Dental Providers at: www.anthem.com
Select Find a Doctor - Dental - Search Criteria - State - Plan Type = Dental - Plan Name = Dental Blue 100/200/300.
Basic Enhanced
Deductible
Single / Family
$50 / $150 $50 / $150
Waived for Preventive Yes Yes
Preventive Services 100% 100%
Basic Services 80% 80%
Major Services N/A 50%
Annual Maximum $1,000 $1,000
Orthodontia Not Covered 50%
Out of Network
Reimbursement
90th percentile 90th percentile
20. VSP – Vision
Vision Services Member Cost Out of Network Allowance
Exam w/ Dilation
(1x every 12 months)
$10 copay $45
Frames
(1x every 12 months)
$25 copay
$130 Allowance
$70
Standard Lenses
OR…
Elective Contact Lenses
(1x every 12 months)
$25 Copay
Up to $60 copay
$130 Allowance
Varies $30 to $65
$105
Medically Necessary Contact Lenses
(1x every 12 months)
No Copay $105
Search vision providers at: www.VSP.com> select Find a VSP Doctor >
Enter Search Criteria
21. Vision: Employee Contributions
Coverage Level Bi-Weekly Weekly
Employee Only $3.86 $1.93
Employee + 1 $5.89 $2.94
Family $10.56 $5.28
22. Aetna-Life and Voluntary Life
• Basic Life/AD&D
• Employer paid benefit
• $20,000 employee coverage
• 1x base salary up to $150,000 (qualifying employees)
• Voluntary Life/AD&D
Employee:
• $10,000 increments, minimum $20,000 up to $100,000
• $100,000 guaranteed issue amount
Spouse:
Employee must elect coverage in order for spouse or child to be eligible for coverage.
• $10,000 benefit up to $50,000 (not to exceed 50% of Employee amount)
• $50,000 guaranteed issue amount
Child(ren):
• $5,000 benefit Guaranteed Issue
** Elect additional coverage during annual enrollment- increase your coverage by one $10,000 increment not to
exceed $100,000. Increase your spouse coverage one $10,000 increment not to exceed $50,000.**
23. Short Term & Long Term Disability
• Short-Term Disability
o 60% of your earnings up to $1,500 / week
o Waiting Period: 15th Day Accident / 15th Day Sickness
o Benefit Duration: 24 weeks
• Long-Term Disability
o 60% of your earnings up to $10,000 / month
o Elimination Period: 180 days
o Benefit Duration: Up to Age 65
o Pre-Existing Condition Limitation: 3 months prior / 12 months after
**These are a packaged benefits. You can not purchase them separately**
24. Allstate Voluntary Benefits
• Type of Coverage Available:
o Voluntary Off-the-Job Accident Plan
o Voluntary Critical Illness Plan (includes cancer coverage)
• Key Features:
o Coverage is available to employee, spouse and/or children.
o These plans are LIFETIME plans, coverage is portable.
o Money is paid directly to you.
25. Allstate Accident Plan
• Benefit payments for off-the-job accidental injuries including: x-rays, stitches, broken
bones, dislocations, burns, hospital confinement, life insurance and more…
• Guaranteed issue for all ages.
• Outpatient Physician Treatment Benefit (OPR)
o Pays you $100 per physician visit for any reason. Does not have to be
related to an accident (i.e. dental cleaning, eye doctor, sore throat,
physical…).
o 2 visits per person per calendar year
o 4 visits per family $200 per person or $400 per family
26. Allstate Accident Plan
• Example of Injury Payout from a Car Accident:
o Fractured Arm: $3,300
o X-Ray: $300
o Emergency Room: $300
o Physician Treatment: $150
o Physical Therapy 6 visits: $540
o Ambulance Ride: $300
o 2 follow up visits to doctor: $300
• Accident Plan Payout: $5,190
29. Allstate Critical Illness
• Benefit Amount Available
o $10,000 (Low) or $15,000 (High)
o High Plan includes Cancer Benefit
• Payments for Illnesses such as:
Cancer
Heart Attack
Stroke
Coronary Artery By-Pass Surgery and more…
• Wellness Benefit
o $75 - includes screenings for cancer or heart screening tests, cholesterol tests, Colonoscopy,
Mammogram, Pap Smear, PSA Test, Stress Test, etc.
o 1 test per covered person, per calendar year
o Visit https://www.allstatebenefits.com/mybenefits/ to file this claim online without a receipt
30. Allstate Critical Illness
• Premiums are based on employee age and employee/spouse tobacco usage
• Free coverage for children
• Premiums are locked in by age class for the lifetime of the plan.
Example: EE age 36-50 / high plan / non-smoker
Cost of plan = $6.02 per week
When the employee turns 51 they will remain in the 36-50 age bracket and avoid
a doubling of rates by moving up into the next age bracket.
33. Allstate Voluntary Benefits
For more information the Allstate Voluntary Benefits please contact your
broker, Britton Gallagher at:
Voluntary Benefits
216-658-8577 or 216-658-7806
1-866-230-9184
Voluntarybenefits@brittongallagher.com
34. Next Steps for Enrollment
• Enrollment Steps
o If electing coverage for the first time, or changing your current
benefits election complete a Benefit Plan Enrollment Form.
o Return completed forms to Rhonda Petruzzi by November 21st
o After electing coverage, ID cards are mailed directly to the
address listed on application, watch your mail.
35. ID Cards
o Watch your mail for new ID Cards
• J.P. Farley – Medical
• Anthem – Dental (All Employees will
receive new ID cards)
36. Qualifying Events
• During the year, the only time you are permitted to make
election changes is:
o Birth of a child
o Marriage
o Divorce/Legal Separation
o Loss of coverage
o Adoption
• HR Must Be Notified within 31 Days of the Qualifying (Life
Changing) Event
This template can be used as a starter file to give updates for project milestones.
Sections
Sections can help to organize your slides or facilitate collaboration between multiple authors. On the Home tab, under Slides, click Section, and then click Add Section.
Notes
Use the Notes pane for delivery notes or to provide additional details for the audience. You can see these notes in Presenter View during your presentation.
Keep in mind the font size (important for accessibility, visibility, videotaping, and online production)
Coordinated colors
Pay particular attention to the graphs, charts, and text boxes.
Consider that attendees will print in black and white or grayscale. Run a test print to make sure your colors work when printed in pure black and white and grayscale.
Graphics, tables, and graphs
Keep it simple: If possible, use consistent, non-distracting styles and colors.
Label all graphs and tables.