This document provides information about eligibility requirements, benefits, and copays for a Group Medicare Advantage HMO plan. Key points include: eligibility is for retirees, dependents, and LTD recipients with Medicare Parts A and B living in Arizona; the plan includes prescription drug coverage without a coverage gap; and the annual out-of-pocket maximum for coinsurance is $6,700 per individual. Frequently asked questions are also answered.
MDInnovate is a primary care practice that offers patients a low monthly subscription fee for access to primary care services like well visits, sick visits, routine labs and tests, and x-rays. This model aims to reduce healthcare costs for patients by removing them from the traditional insurance system and allowing doctors to spend more time with fewer patients. While patients still need insurance for hospitalizations, emergencies, or specialist care, combining MDInnovate's services with a high-deductible or marketplace plan can significantly lower overall healthcare costs compared to traditional insurance alone.
This document provides information about Aetna's Recovery Care insurance plans, which help cover the costs of long-term care. It discusses the benefits of the plans, including daily benefits for nursing facilities, assisted living facilities, and hospitals. It also addresses eligibility, underwriting, marketing guidelines, product availability by state, and how to start conversations with potential customers. The document is intended to educate insurance agents on Aetna's Recovery Care plans and assist them in marketing the products.
This document summarizes a flexible choice cancer and heart attack insurance plan. The base policy offers lump sum benefits from $5,000 to $75,000 that can be used for any expenses. Coverage is available for the individual, their spouse and family. The policy pays 100% of the selected benefit if diagnosed with cancer or has a qualifying heart event. Various riders can be added for additional premiums, such as benefits for cancer recurrence, radiation/chemotherapy treatments, additional lump sum payouts over time, specified diseases, hospital stays, accidents, and cash value. The purpose is to help policyholders financially in the event of a serious illness without worrying about bills or daily expenses.
The document provides an overview of the City of Dania Beach self-funded group health plan as of July 2010. It summarizes the current enrollment which is 214 total members, with 67% being active employees. It also reviews the plan experience from October 2008 to September 2009 and October 2009 to June 2010, showing revenue, claims, and net medical claims. Finally, it compares benefits and costs to other local plans and outlines upcoming health care reform changes.
Robert F Naples is an insurance agent with USA Benefits Group, a nationwide network of insurance professionals. He has over 50 years of experience in insurance and financial services. He is dedicated to finding health insurance plans that will pay 100% of catastrophic medical bills from critical illnesses, accidents, and transplants. His plans also provide income replacement if the policyholder is unable to work due to an illness or accident. He works with top-rated insurance carriers to offer secure and affordable options to protect families from financial hardship due to high medical costs.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
Where to Turn Resource Fair, September 2016, American HealthCare GroupMary Hagan
Erin Hart from American Healthcare Group discusses Healthcare Basics and How to Choose Your Health Plan. Navigating through deductibles, out-of-pocket expenses and coverage benefits can be overwhelming; get guidance from experienced and independent healthcare professionals.
MDInnovate is a primary care practice that offers patients a low monthly subscription fee for access to primary care services like well visits, sick visits, routine labs and tests, and x-rays. This model aims to reduce healthcare costs for patients by removing them from the traditional insurance system and allowing doctors to spend more time with fewer patients. While patients still need insurance for hospitalizations, emergencies, or specialist care, combining MDInnovate's services with a high-deductible or marketplace plan can significantly lower overall healthcare costs compared to traditional insurance alone.
This document provides information about Aetna's Recovery Care insurance plans, which help cover the costs of long-term care. It discusses the benefits of the plans, including daily benefits for nursing facilities, assisted living facilities, and hospitals. It also addresses eligibility, underwriting, marketing guidelines, product availability by state, and how to start conversations with potential customers. The document is intended to educate insurance agents on Aetna's Recovery Care plans and assist them in marketing the products.
This document summarizes a flexible choice cancer and heart attack insurance plan. The base policy offers lump sum benefits from $5,000 to $75,000 that can be used for any expenses. Coverage is available for the individual, their spouse and family. The policy pays 100% of the selected benefit if diagnosed with cancer or has a qualifying heart event. Various riders can be added for additional premiums, such as benefits for cancer recurrence, radiation/chemotherapy treatments, additional lump sum payouts over time, specified diseases, hospital stays, accidents, and cash value. The purpose is to help policyholders financially in the event of a serious illness without worrying about bills or daily expenses.
The document provides an overview of the City of Dania Beach self-funded group health plan as of July 2010. It summarizes the current enrollment which is 214 total members, with 67% being active employees. It also reviews the plan experience from October 2008 to September 2009 and October 2009 to June 2010, showing revenue, claims, and net medical claims. Finally, it compares benefits and costs to other local plans and outlines upcoming health care reform changes.
Robert F Naples is an insurance agent with USA Benefits Group, a nationwide network of insurance professionals. He has over 50 years of experience in insurance and financial services. He is dedicated to finding health insurance plans that will pay 100% of catastrophic medical bills from critical illnesses, accidents, and transplants. His plans also provide income replacement if the policyholder is unable to work due to an illness or accident. He works with top-rated insurance carriers to offer secure and affordable options to protect families from financial hardship due to high medical costs.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
Where to Turn Resource Fair, September 2016, American HealthCare GroupMary Hagan
Erin Hart from American Healthcare Group discusses Healthcare Basics and How to Choose Your Health Plan. Navigating through deductibles, out-of-pocket expenses and coverage benefits can be overwhelming; get guidance from experienced and independent healthcare professionals.
Flyer Direct Primary Care Clinic MembershipRob Bartlett
This document describes a direct primary care clinic membership that is provided by employers. The membership offers affordable healthcare with monthly fees ranging from $30-75 depending on age. Benefits of the membership include 24/7 access to the clinic, comprehensive and preventative care, same day appointments, coordinated care, and discounts on labs and prescriptions. The goal of the membership is to provide a medical home where patients feel known, treated individually, and have their needs understood.
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
This document summarizes a presentation about critical illness insurance policies offered by Western & Southern Life Insurance Company. It outlines covered critical illnesses including cancer, heart attack, and stroke. It notes that critical illness rates have declined over time but indirect costs associated with treatment can be high, including lost income and home health care. The policy pays a lump sum benefit upon diagnosis of a covered illness to help policyholders pay expenses.
Robin Mooney presented on opportunities to generate sales leads and increase revenue through GarityAdvantage Agencies. GarityAdvantage offers Medicare Advantage, Medicare Supplement, and other senior health insurance products. Mooney discussed creating special enrollment periods by helping clients qualify for assistance programs. She also reviewed dual eligible plans, Medicare Supplement plans, and additional year-round sales opportunities. Mooney provided contact information for agents interested in the GarityAdvantage lead programs.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
Medicare is a federal health insurance program for people aged 65 and older and those under 65 with certain disabilities or conditions. It has 4 parts - Part A covers hospital insurance, Part B covers medical insurance, Part C are Medicare Advantage plans offered by private insurers, and Part D covers prescription drug plans. There are options to get coverage such as original Medicare, Medicare supplements, Medicare Advantage plans, and programs for low income beneficiaries.
The document provides biographical information about Sondra Ford and Mary Dorn who work for Trusted Senior Specialists and information about the company. It then outlines topics that will be covered in an upcoming presentation on Medicare, including what Medicare is, its different parts, what is and isn't covered, premiums and costs. The presentation will review these topics, take questions, and invite people to future presentations and one-on-one meetings with specialists.
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.
This document describes MDChronic.com, a telehealth platform that provides on-demand healthcare services for chronic disease patients. It notes that over 133 million Americans have chronic diseases but face difficulties accessing medical care when and where they need it. The platform offers video consultations from anywhere, 24-hour concierge services, and nationwide physician collaboration to help chronic patients access care more easily. It partners with other organizations to connect patients to physicians. The business model provides these services to patients for a fee while charging doctors nothing. It competes with other telehealth companies but distinguishes itself by facilitating physician collaboration and specialized chronic disease care.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
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
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.
The document summarizes an employee benefits meeting that will take place to review and select benefits for 2011. It outlines the company's medical, dental, vision, life insurance, disability, and flexible spending account options. Highlights include two medical insurance plans from Blue Cross Blue Shield with different deductibles and out-of-pocket costs, voluntary dental and vision coverage, and optional supplemental insurance being offered through Colonial Life. The meeting will provide paperwork to elect benefits and assist employees with any questions.
American Community provides health insurance plans. It was established in 1938 and is headquartered in Livonia, MI. It offers flexible health insurance plans called Community Flex in 12 states currently and will expand to 13 states in January 2009. The plans have different deductible levels and cover things like office visits, prescription drugs, and dental coverage as options. Contact information is provided for representatives in different states.
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 is a federal health insurance program for people aged 65 and older and certain disabled individuals. It has different parts that cover various medical costs: Part A covers hospital visits; Part B covers doctors visits and outpatient care; Part D covers prescription drugs. There are enrollment periods for signing up for Medicare when first eligible as well as annually. Medicare works with other types of health insurance individuals may have such as employer or military coverage. Assistance programs may also help cover Medicare costs for those who qualify.
MobiCloud Transport Webinar series June 2013 - DutchAppear
In dit webinar worden gedetailleerde case studies behandeld zoals die van spoorbedrijf Tågkompaniet AB in Zweden en de KVV, het stadsvervoer van Karlsruhe in Duitsland. Deze organisaties maken gebruik van de cloud-gebaseerde mobiele applicaties van het MobiCloud project met efficiëntieverhoging, operationele besparing en met verhoogde klanttevredenheid als resultaat.
Webinar: Learn how to migrate mobile workers to next generation mobilityAppear
Second generation enterprise mobility is transforming mobile field worker productivity. This webinar looked at how to migrate from previous generation solutions to next generation mobile workforce solutions such as those from Appear.
Many organisations are now looking to move from 1st generation rugged devices to smartphones and tablet computers - enabling end users to bring their own favored devices into the workplace.
These slides are from a webinar dated 6th December 2012. For the full text or to view the video of the event please contact Mia Falgard at Appear - mia.falgard@appearnetworks.com
Appear is the leading provider of context-aware enterprise mobility solutions designed to power the next generation of mobile applications and services. By collecting and sharing user and environmental context, Appear’s solutions eliminate information overload and ensure users have exactly the information they need, when and where they need it.
Appear's IQ suite is a cloud-based mobile enterprise solution combining a cross-platform development environment (to support BYOD models), a context-aware mobility platform (to push updates, add/remove applications and change distribution criteria based on the precise context of your employees) and a vertical application store (your own private app store to control the lifecycle and distribution of your applications). Appear IQ offers a number of configurable mobile apps focusing on the needs of mobile workers in industries such as transportation, logistics, field service or construction. Join the app revolution atwww.appearshowroom.com
Industry leaders in transportation, retail, telecommunications and government use AppearIQ. Appear has an extensive partner network including industry leaders Cisco, Motorola, Orange Business Services, SITA, Thales and Logica in order to deliver innovative, end-to-end wireless and mobile solutions. The company is privately held and headquartered in Stockholm, Sweden and with offices across Europe.
Flyer Direct Primary Care Clinic MembershipRob Bartlett
This document describes a direct primary care clinic membership that is provided by employers. The membership offers affordable healthcare with monthly fees ranging from $30-75 depending on age. Benefits of the membership include 24/7 access to the clinic, comprehensive and preventative care, same day appointments, coordinated care, and discounts on labs and prescriptions. The goal of the membership is to provide a medical home where patients feel known, treated individually, and have their needs understood.
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
This document summarizes a presentation about critical illness insurance policies offered by Western & Southern Life Insurance Company. It outlines covered critical illnesses including cancer, heart attack, and stroke. It notes that critical illness rates have declined over time but indirect costs associated with treatment can be high, including lost income and home health care. The policy pays a lump sum benefit upon diagnosis of a covered illness to help policyholders pay expenses.
Robin Mooney presented on opportunities to generate sales leads and increase revenue through GarityAdvantage Agencies. GarityAdvantage offers Medicare Advantage, Medicare Supplement, and other senior health insurance products. Mooney discussed creating special enrollment periods by helping clients qualify for assistance programs. She also reviewed dual eligible plans, Medicare Supplement plans, and additional year-round sales opportunities. Mooney provided contact information for agents interested in the GarityAdvantage lead programs.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
Medicare is a federal health insurance program for people aged 65 and older and those under 65 with certain disabilities or conditions. It has 4 parts - Part A covers hospital insurance, Part B covers medical insurance, Part C are Medicare Advantage plans offered by private insurers, and Part D covers prescription drug plans. There are options to get coverage such as original Medicare, Medicare supplements, Medicare Advantage plans, and programs for low income beneficiaries.
The document provides biographical information about Sondra Ford and Mary Dorn who work for Trusted Senior Specialists and information about the company. It then outlines topics that will be covered in an upcoming presentation on Medicare, including what Medicare is, its different parts, what is and isn't covered, premiums and costs. The presentation will review these topics, take questions, and invite people to future presentations and one-on-one meetings with specialists.
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.
This document describes MDChronic.com, a telehealth platform that provides on-demand healthcare services for chronic disease patients. It notes that over 133 million Americans have chronic diseases but face difficulties accessing medical care when and where they need it. The platform offers video consultations from anywhere, 24-hour concierge services, and nationwide physician collaboration to help chronic patients access care more easily. It partners with other organizations to connect patients to physicians. The business model provides these services to patients for a fee while charging doctors nothing. It competes with other telehealth companies but distinguishes itself by facilitating physician collaboration and specialized chronic disease care.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
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
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.
The document summarizes an employee benefits meeting that will take place to review and select benefits for 2011. It outlines the company's medical, dental, vision, life insurance, disability, and flexible spending account options. Highlights include two medical insurance plans from Blue Cross Blue Shield with different deductibles and out-of-pocket costs, voluntary dental and vision coverage, and optional supplemental insurance being offered through Colonial Life. The meeting will provide paperwork to elect benefits and assist employees with any questions.
American Community provides health insurance plans. It was established in 1938 and is headquartered in Livonia, MI. It offers flexible health insurance plans called Community Flex in 12 states currently and will expand to 13 states in January 2009. The plans have different deductible levels and cover things like office visits, prescription drugs, and dental coverage as options. Contact information is provided for representatives in different states.
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 is a federal health insurance program for people aged 65 and older and certain disabled individuals. It has different parts that cover various medical costs: Part A covers hospital visits; Part B covers doctors visits and outpatient care; Part D covers prescription drugs. There are enrollment periods for signing up for Medicare when first eligible as well as annually. Medicare works with other types of health insurance individuals may have such as employer or military coverage. Assistance programs may also help cover Medicare costs for those who qualify.
MobiCloud Transport Webinar series June 2013 - DutchAppear
In dit webinar worden gedetailleerde case studies behandeld zoals die van spoorbedrijf Tågkompaniet AB in Zweden en de KVV, het stadsvervoer van Karlsruhe in Duitsland. Deze organisaties maken gebruik van de cloud-gebaseerde mobiele applicaties van het MobiCloud project met efficiëntieverhoging, operationele besparing en met verhoogde klanttevredenheid als resultaat.
Webinar: Learn how to migrate mobile workers to next generation mobilityAppear
Second generation enterprise mobility is transforming mobile field worker productivity. This webinar looked at how to migrate from previous generation solutions to next generation mobile workforce solutions such as those from Appear.
Many organisations are now looking to move from 1st generation rugged devices to smartphones and tablet computers - enabling end users to bring their own favored devices into the workplace.
These slides are from a webinar dated 6th December 2012. For the full text or to view the video of the event please contact Mia Falgard at Appear - mia.falgard@appearnetworks.com
Appear is the leading provider of context-aware enterprise mobility solutions designed to power the next generation of mobile applications and services. By collecting and sharing user and environmental context, Appear’s solutions eliminate information overload and ensure users have exactly the information they need, when and where they need it.
Appear's IQ suite is a cloud-based mobile enterprise solution combining a cross-platform development environment (to support BYOD models), a context-aware mobility platform (to push updates, add/remove applications and change distribution criteria based on the precise context of your employees) and a vertical application store (your own private app store to control the lifecycle and distribution of your applications). Appear IQ offers a number of configurable mobile apps focusing on the needs of mobile workers in industries such as transportation, logistics, field service or construction. Join the app revolution atwww.appearshowroom.com
Industry leaders in transportation, retail, telecommunications and government use AppearIQ. Appear has an extensive partner network including industry leaders Cisco, Motorola, Orange Business Services, SITA, Thales and Logica in order to deliver innovative, end-to-end wireless and mobile solutions. The company is privately held and headquartered in Stockholm, Sweden and with offices across Europe.
Includes Pictures of items found in the 4 major layers of the atmosphere--to be used mainly in a 5-7 grade classroom--great for discussion of each slide
Webinar: The Enterrpise Appstore - What is it and why you need it.Appear
The document discusses the benefits of an enterprise appstore for managing workforce mobility. It outlines how first generation mobility solutions had challenges around training, adoption and employee satisfaction that second generation solutions address through features like cloud-based platforms, BYOD support, and improved user interfaces. The presentation promotes an appstore that enables cross-platform mobile app development, integration with backend systems, and delivery of context-aware apps to connect employees, assets, customers and systems. Key success factors for such an appstore include supporting multiple devices and OSes, cloud-based deployment, and delivering apps tailored to user context.
This tutorial teaches how to integrate a Backbone application with Appear IQ's Data Sync module. It covers initializing the AIQ API, defining a custom collection to translate CRUD operations to API calls, making models compatible with AIQ documents, registering listeners to react to remote changes, and running the integrated app on a device. The tutorial uses a sample task management app and mock data to demonstrate integrating each component.
Medicare is a federal health insurance program for people aged 65 and older, younger people with disabilities, and people with end-stage renal disease. It has four parts: Part A covers hospital insurance; Part B covers medical insurance; Part C covers Medicare Advantage plans; and Part D covers prescription drug plans. For most people, enrollment in Parts A and B is automatic based on their Social Security enrollment. However, some people need to sign up during an initial seven-month enrollment period. ERS retirees in Texas are enrolled in supplemental plans like HealthSelect Medicare Advantage that provide additional benefits and lower costs.
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.
Individual health insurance options in the age of health care reformPatti Goldfarb, CSA
This document summarizes various health insurance options available in New Jersey, including plans inside and outside the health insurance exchange. It provides details on establishing accounts and selecting plans in the exchange, which offers coverage from three carriers at platinum, gold, silver, and bronze levels. Medicare and Medicaid options are also outlined, such as eligibility and costs for coverage. The document aims to inform individuals on their individual health insurance choices in the state.
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.
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.
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.
This document provides an overview of a proposed VEBA health plan for a group of dentists, including details about the two plan options, premium rates, and instructions for completing a required personal health questionnaire (PHQ). Key information includes: the VEBA plan allows for consistent nationwide coverage; the two plan options vary in deductibles and premiums; and fully and accurately completing the PHQ is important for determining acceptance into the plans.
[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?
This document provides an overview of Medicare and supplemental insurance options. It begins with an introduction to Medicare, including who is eligible and the different parts of Medicare coverage. It then discusses Medicare Supplement Plans A-N in detail, including benefits covered and sample rates. Next, it covers Medicare Advantage Plans as an alternative that combines Medicare parts into one plan through private insurers. Key differences between Supplement and Advantage plans are outlined. The document concludes by addressing common questions about Medicare enrollment, penalties, and plan considerations.
The document provides an overview of Medicare parts A, B, C, and D as well as gaps in Medicare coverage and how Medicare supplement policies can help cover these gaps. It also discusses the agent support services offered by David Crotts & Associates, including product training, quote turnaround times, and a dedicated investment division to assist agents.
This document promotes Call MD Plus, a telemedicine and direct primary care business opportunity. Some key points:
- Call MD Plus offers unlimited doctor consultations by phone for a monthly fee, along with prescription discounts.
- It presents the opportunity to become an independent marketing associate and earn commissions on retail customer plans as well as bonuses for recruiting other associates.
- The compensation plan outlines various ways to earn monthly residual income through multiple levels of a binary team structure with unlimited width and depth.
Hip How it Works - From a Community Health WorkerKris Roehling
There are 4 different kinds of Healthy Indiana Plan. How does one apply and make sure they are covered? This info graphic has been helpful to many in our small community. Adjustments may be needed for other counties in Indiana.
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.
The document provides biographical information about Sondra Ford and Mary Dorn who work for Trusted Senior Specialists, a Medicare insurance agency. It also gives an overview of the company, which has been in business for over 13 years, is rated A+ by the Better Business Bureau, and has a network of over 3,000 agents across 42 states. The remainder of the document outlines topics that will be covered in an upcoming presentation, including Medicare enrollment periods for Parts A, B, C, and D, penalties for late enrollment, federal and state assistance programs, and a question and answer section.
The Medicare Gals discuss Coverage Gaps, Medicare Part C, Supplements, Medicare Part D, Phases of Coverage for Part D and Things to Consider When Choosing a Part D Plan.
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
UHC Medicare made clear Educational presentationRamzan Magomedov
This document provides an overview of Medicare, including eligibility, coverage options, enrollment periods, and resources for additional information. It summarizes the main parts of Medicare (Part A for hospital insurance and Part B for medical insurance), options for getting coverage like Medicare Advantage plans or prescription drug plans, and ways to potentially save money on costs like using preventative services or finding supplemental plans. Contact information is provided for more details on Medicare and assistance programs.
Medicare 101 provides an overview of Medicare including who is eligible, how to enroll, and the different parts of Medicare coverage. There are four main parts of Medicare: Part A covers hospital insurance; Part B covers medical insurance; Part C are Medicare Advantage plans managed by private insurers that combine Parts A, B, and sometimes D; and Part D is prescription drug coverage. Premiums and out-of-pocket costs vary depending on income and type of coverage selected. The document reviews costs and options in detail to help people understand Medicare.
Similar to Group medicare advantage hmo recording 2 (solo) (20)
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4. Person
ELI G B LI TY
I I
State
R U R EN
EQ I EM TS
Eligible
5. ELI G BI LI TY R U R EN
I EQ I EM TS
Group Medicare Advantage
The below are eligible for the Group
Medicare Advantage HMO Plan:
• Retiree
• LTD Recipient
• Qualified Survivor
• Domestic Partner
• Eligible Dependents
6. ELI G BI LI TY R U R EN
I EQ I EM TS
Medicare Plan
To enroll in the Group Medicare
Advantage HMO Plan, you must
have:
Medicare Parts A & B
7. ELI G BI LI TY R U R EN
I EQ I EM TS
Group Medicare Advantage
The Group Medicare Advantage
HMO Plan is available:
• Arizona
• All Counties
8. ELI G BI LI TY R U R EN
I EQ I EM TS
Question & Answer 1
Roland is an ASRS retiree with
Medicare Parts A&B. He lives full time
in Carefree, Arizona. Can he enroll in
this plan?
a. Yes
b. No
9. ELI G BI LI TY R U R EN
I EQ I EM TS
Question & Answer 2
Nora is an actively contributing
member of the ASRS. She has
Medicare parts A and B. Can she enroll
in the Medicare Advantage HMO? ?
a. Yes
b. No
11. I N N O K BEN TS
- ETW R EFI
Group Medicare Advantage
Medicare Part D:
• Is included, and is equal to or
better than the standard
Medicare Part D Coverage.
12. I N N O K BEN TS
- ETW R EFI
Prescription
UnitedHealthcare Formulary:
• Approved outpatient
prescription drugs
• Doctor must use
• Participating pharmacy
13. I N N O K BEN TS
- ETW R EFI
Additional Information
• No annual benefit limit in
coverage
• No annual deductibles
• No prescription coverage gap
14. I N N O K BEN TS
- ETW R EFI
Selection
You must select a Primary Care
Physician in the network.
Your doctor will make referrals to
specialists within the network
15. I N N O K BEN TS
- ETW R EFI
Pre-Existing Condition
Currently the ASRS does not deny
health insurance for any reason
in relation to a pre-existing
condition
16. I N N O K BEN TS
- ETW R EFI
Health Insurance Card
You will be issued one card
that covers your
• Medical
• Vision
• Prescriptions
17. I N N O K BEN TS
- ETW R EFI
Question & Answer 1
Does the Medicare Part D
prescription coverage gap apply to
the Group Medicare Advantage
HMO plan?
a. Yes
b. No
18. I N N O K BEN TS
- ETW R EFI
Question & Answer 2
Paula is an ASRS retiree and is enrolled
in the Medicare Advantage HMO plan.
Does she need to select a primary
physician?
a. Yes
b. No
27. AD I TI O AL BEN TS
D N EFI
Passport Program
Allows you to move your HMO
coverage:
• Participating areas
• 9 consecutive months during the year
• Same copays
28. AD I TI O AL BEN TS
D N EFI
Wellness Services
Additional benefits include:
• Silver Sneakers
• Solutions for Caregivers
• Nurseline
29. AD I TI O AL BEN TS
D N EFI
Disease Management
• Disease and Specialty Case
Management
• Personal Health Management
• Advanced Illness Care Management
30. AD I TI O AL BEN TS
D N EFI
Question & Answer 1
Gina has a chronic condition. She is
enrolled in the Group Medicare Advantage
HMO with several very large claims in the
last 2 years. Will she reach a maximum
lifetime benefit?
a. Yes
b. No
31. AD I TI O AL BEN TS
D N EFI
Question & Answer 2
Jenny’s mother needs more care than
she can give her. Which program can
provide assistance?
a. Silver Sneakers
b. Solutions for Caregivers
c. Nurseline
32. Group Medicare - Full Monthly Premiums
Retiree Retiree & Dependent(s)
Retiree + Dependent Medicare & Non Medicare Eligible
$190/$260 $380/$520 Combination Plans
33. AR ZO A STATE R R EN SYSTEM
I N ETI EM T
For moreyou for
Thank detailed
information
watching.
please refer to
the Guide!
Have a great day!
Editor's Notes
Welcome to the Arizona State Retirement System’s webcast about our contracted Medical provider UnitedHealthcare’s Group Medicare Advantage HMO Plan.
What’s NEW for 2013? The Tier I Prescription copay is going DOWN!Prescription Solutions has changed their name to OptumRxAll the medical plans will include hearing exam and hearing aid discounts. AND…WellCard has expanded their discounts! Please see the 2013 Retiree Group Insurance Guide for details.
The topics we will be covering are the Eligibility Requirements, the In-Network Benefits, what the copays are and the variety of additional benefits.
Let’s start with the Eligibility Requirements for this Plan so you can see who can enroll.
You may enroll if you are… a retiree of the Arizona State Retirement System, Public Safety Personnel Retirement System, Corrections Officer Retirement Plan, Elected Officials’ Retirement Plan or one of the three State University’s Optional Retirement Plans - You may enroll if you are on the ASRS Long Term Disability AND Not enrolled in your former employer’s insurance.For survivor qualifications, your survivor should contact the ASRS as soon as possible.Not only can you enroll for yourself, you may cover a domestic partner and eligible dependents
You must have Medicare Parts A & B
Arizona residency is required
Roland is an ASRS retiree with Medicare Parts A&B. He lives full time in Carefree, Arizona. Can he enroll in this plan? Yes or No – what do you think? <PAUSE>. There is coverage for all counties in Arizona, so, YES – he may enroll.
Nora is an actively contributing member of the ASRS. She has Medicare parts A and B. Can she enroll in this plan? Yes or No? <PAUSE> This plan is for eligible retirees and their dependents so the answer is B: No. Once she does retire, she could enroll!
This is an in-network only plan.
You do not need to enroll in a separate Part D Plan. The Medicare prescription drug plan included offers more than what is available under Medicare Part D.
Your medication costs are kept down by use of a Formulary. That is a list of Medicare Part D approved prescription drugs. Your doctor must prescribe medication for you from this formulary and the prescription must be filled at a participating pharmacy.
There is no annual benefit limit, annual deductibles and no prescription coverage gap.
The Group Medicare Advantage HMO is an IN-NETWORK plan. By enrolling, you have made a decision to receive all your routine health care from contracted providers. You will need to select a Primary Care Physician and network. Your doctor will make referrals to specialists within the network
A pre-existing condition is generally considered to be an illness a person has prior to applying for health insurance. Currently the ASRS does not deny health insurance for any reason in relation to a pre-existing condition
You will be issued 1 card that covers your medical, vision and prescription drug plan.
Here’s a question for you. Does the Medicare Part D prescription coverage gap apply to the Group Medicare Advantage HMO plan? Yes or No? <PAUSE> No. There is no coverage gap or annual limit.
What about Paula? She is an ASRS retiree and enrolled in the plan. Does she need to select a primary physician? Yes or No? <PAUSE> Yes. She will need to select a Primary Care Physician and network. To find the current online directory, please see the inside back page of the GUIDE
This Plan has standardized Copayments. Let’s look at some of the most common - but be sure to check the GUIDE for more information
For example, there is no copay for your routine physical or hearing exam. For ambulance service - whether its ground or air – there is a $25 copay
Your Doctor’s visit is $15. There is no charge for Outpatient Lab Tests, and to see a Specialist, the copay is $30. The $50 Emergency room copay is waived if you are admitted to the hospital.
UnitedHealthcare classifies its prescription drugs as Tier 1 and 2. Tier 1 are preferred generics with a $10 copay for a 1-month prescription. THIS HAS GONE DOWN FROM LAST YEARS COPAY OF $20!!! Tier 2 are preferred brand names with a monthly copay of $40.
You may also take advantage of the convenience in having your prescriptions mailed directly to you. The copays cover a 90-day supply and are $20 for Tier 1, and $80 FOR Tier 2.
The out of pocket Coinsurance maximums are $6,700 per person and there is NO lifetime maximum benefit
Mary isn’t sure what her yearly out-of-pocket coinsurance limit would be. Is it….A: $7,600 or B: $6,700? <PAUSE> Her individual annual out of pocket maximum would be $6,700
There are included benefits for you at no additional cost through the Plan
The Passport Program allows you to move your HMO coverage to participating areas for up to 9 consecutive months of the year - and pay your same copays. Please see the GUIDE for more information.
Wellness Services include: the Silver Sneakers Fitness Program which provides complementary membership with access to participating locations throughout the country to you and your covered dependents. If you find yourself in a caregiver situation for a relative or friend in need, Solutions for Caregivers is a comprehensive eldercare management program who can counsel you on your loved one’s individual, medical, financial, safety, emotional and social needs. The Nurseline is a direct “hotline” provided after enrollment.
The Disease and Specialty Management Services include: The Disease and Specialty Case Management program that targets chronic conditions, provides interventions to help manage those conditions and bridges the gap between you and your care teams. The Personal Health Management program serves retirees with moderate and high risk factors including transitioning from hospital care to home. The Advanced Illness Care Management program provides services for retirees with advanced illness and who are facing end of life issues. Please see the Guide for more information about all these programs
Meet Gina. She has a chronic condition and is enrolled in the Plan with several very large claims in the last 2 years. Will she reach a maximum lifetime benefit? Yes or No? <PAUSE> No – there is no maximum lifetime benefit with the Group Medicare Advantage HMO!
Which program do you think would help Jenny? Her mother needs more care than she can give her. Would it be… A) Silver Sneakers, B) Solutions for Caregivers or C) Nurseline. <PAUSE> b) Solutions for caregivers can counsel you on your loved one’s individual, medical, financial, safety, emotional and social needs.
The monthly premiums are determined by where you live –either in Maricopa, Pima and Pinal County or all other Counties. Single coverage is $190, and $260 for all other counties. If you cover one dependent the monthly premium is $380 or $520 in all other counties. There are combination rates for those of you whom one is Medicare Eligible and one is not.
For detailed information please refer to the GUIDE available on our website under the Retiree Tab.We hope you now have a better understanding of the Group Medicare Advantage HMO. Thank you for taking the time to view this webcast. Be sure to check our other on-demand webcasts.