The document provides information about benefit enrollment for 2018 for employees of Outwest Express. Due to issues with the original United Healthcare plans, employees have been enrolled in comparable plans through Blue Cross Blue Shield of Texas effective February 1, 2018. Employees can make changes to their benefits selection until March 30, 2018. The document includes details on the new medical and dental plan options and costs.
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.
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.
This document provides information about open enrollment for Outwest Express' 2018 benefit plans. It emphasizes that all employees must either enroll in benefit plans or waive coverage, as required by the Affordable Care Act. If no action is taken, employees will be automatically enrolled in the PPO5000 health plan. The document reviews the company's medical, dental, vision, life insurance, and disability plans and premium costs. It stresses the importance of using in-network providers to lower costs.
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.
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.
This document displays a plan pharmacist's dashboard that includes information on:
- MTM members and eligibility
- Today's patient appointment schedule
- A table with member details and medication review opportunities
- Links to FDA drug safety announcements
- Tools to search for patients, view profiles and medication histories, and access MTM, financial, and reporting features.
The dashboard provides an overview of the pharmacist's MTM program activities and patients as well as access to clinical and administrative tools to support medication therapy management services.
Ethics of advising medical marijuana practitioners 4.13.18Darshan Kulkarni
This document discusses the ethics of advising medical marijuana practitioners. It begins with legal basics on federal and state laws regarding medical marijuana. Under federal law, marijuana remains a Schedule I drug, though the DOJ has said prosecuting state-compliant medical marijuana cases is not a priority. It then details Pennsylvania's medical marijuana program requirements, including for physicians, dispensaries, forms of marijuana, and record keeping. Scenarios discuss ethical issues attorneys may face, such as using medical marijuana themselves, advising dispensary clients, and investing in dispensaries. Attorneys must be aware of conflicts between state medical marijuana laws and ABA rules regarding illegal conduct.
Stonebridge Medicare Supplement Insurance BrochureGary Jackson
Stonebridge Life Insurance Company offers several Medicare supplement plans (A, F, G, and N) to help cover costs that Medicare does not pay. The plans provide coverage for things like hospital stays, medical costs, skilled nursing care, and emergency care when traveling abroad. Premiums vary based on factors like age and whether the applicant uses tobacco. The document provides details on plan benefits and costs to help customers choose the right plan for their needs.
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.
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.
This document provides information about open enrollment for Outwest Express' 2018 benefit plans. It emphasizes that all employees must either enroll in benefit plans or waive coverage, as required by the Affordable Care Act. If no action is taken, employees will be automatically enrolled in the PPO5000 health plan. The document reviews the company's medical, dental, vision, life insurance, and disability plans and premium costs. It stresses the importance of using in-network providers to lower costs.
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.
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.
This document displays a plan pharmacist's dashboard that includes information on:
- MTM members and eligibility
- Today's patient appointment schedule
- A table with member details and medication review opportunities
- Links to FDA drug safety announcements
- Tools to search for patients, view profiles and medication histories, and access MTM, financial, and reporting features.
The dashboard provides an overview of the pharmacist's MTM program activities and patients as well as access to clinical and administrative tools to support medication therapy management services.
Ethics of advising medical marijuana practitioners 4.13.18Darshan Kulkarni
This document discusses the ethics of advising medical marijuana practitioners. It begins with legal basics on federal and state laws regarding medical marijuana. Under federal law, marijuana remains a Schedule I drug, though the DOJ has said prosecuting state-compliant medical marijuana cases is not a priority. It then details Pennsylvania's medical marijuana program requirements, including for physicians, dispensaries, forms of marijuana, and record keeping. Scenarios discuss ethical issues attorneys may face, such as using medical marijuana themselves, advising dispensary clients, and investing in dispensaries. Attorneys must be aware of conflicts between state medical marijuana laws and ABA rules regarding illegal conduct.
Stonebridge Medicare Supplement Insurance BrochureGary Jackson
Stonebridge Life Insurance Company offers several Medicare supplement plans (A, F, G, and N) to help cover costs that Medicare does not pay. The plans provide coverage for things like hospital stays, medical costs, skilled nursing care, and emergency care when traveling abroad. Premiums vary based on factors like age and whether the applicant uses tobacco. The document provides details on plan benefits and costs to help customers choose the right plan for their needs.
This document discusses laws enacted as a result of parental advocacy around substance abuse issues. It summarizes Casey's Law, a law passed in Kentucky that allows involuntary substance abuse treatment. It was inspired by the death of Matthew Casey Wethington from a heroin overdose at age 23. The law allows parents, relatives or friends to petition the court to require someone to undergo treatment if they are unable to recognize their need for treatment due to impairment. It outlines the petition process, required evidence, evaluations, hearings, and possible outcomes including court-ordered treatment. The presenters aim to help advocates identify laws in their states, explain their components, and apply successful models elsewhere.
The Lentin Commission report investigated the deaths of 14 patients in 1986 who died from acute renal failure caused by adulterated glycerol supplied by a pharmaceutical company. Over 17 months, the commission uncovered a nexus between politicians, the FDA, and drug manufacturers. It revealed issues with 300 drug formulations and found 20% of drug samples to be defective. The commission's report led to the resignation of the health minister and discussed various medical deviances like issuing false certificates and engaging in illegal activities for monetary gain. It noted that while most doctors act ethically, some engage in unprofessional behavior for profit in violation of medical codes of conduct and laws.
Marijuana, Opioids and State Laws – What HR Teams Need to KnowCareerBuilder
This document summarizes a presentation on workplace drug testing and compliance issues. It discusses evolving issues in the drug testing industry, including medical marijuana and prescription drug laws. It provides an overview of federal laws and how they differ from varying state laws on these topics. Key court cases are mentioned, and employers' obligations under the ADA regarding prescription drug testing are reviewed. Challenges for employers around the opioid epidemic are also examined. State-specific compliance rules for drug testing programs are outlined.
Why did d-penicillamine disappear from the market?Sanjeev Kumar
This document summarizes a talk on the shortage of the drug penicillamine in India. It discusses that penicillamine disappeared from the market in mid-2016 due to lack of raw material supply from China. The official reason was that the raw material supplier was unavailable, but the actual reasons may have been that the drug came under price control and suppliers did not want to provide raw materials at a competitive price. It also discusses the roles of the Central Drugs Standard Control Organization and National Pharmaceutical Pricing Authority in regulating drug prices and availability in India. The real issue highlighted is India's increasing dependence on China for drug ingredients and the need to support domestic bulk drug manufacturing.
This document discusses various issues related to unethical practices by doctors in India, including: practicing other systems of medicine without proper training; misleading advertisements; prolonging treatment through misdiagnosis; negligence; illegal abortion and sex determination; accepting commissions for referrals; providing false medical certificates; and involvement in illegal organ transplants and nexus with pharmaceutical companies. It also summarizes some court cases related to medical negligence that resulted in compensation being awarded to victims or doctors being imprisoned. Overall, the document highlights the need for stricter regulation and punishment of deviant doctors.
Web only rx16 presummit pillmills-mon_200_investigating and prosecuting pill ...OPUNITE
This document discusses strategies for investigating and prosecuting prescription drug cases. It provides an overview of how investigations are initiated, such as through complaints or reports of patient deaths. The presentation then covers investigative resources like medical records, pharmacy records, autopsy reports, toxicology results, witness interviews, and undercover operations. Details are given on obtaining search warrants, collecting evidence at clinics and storage facilities, and seizing financial records. The objectives are to identify challenges in Rx drug investigations, understand possible charges, and explain prosecuting cases against medical professionals.
This document contains a preliminary registration form for Finger Tip Revolution (FTR) therapy provided by the International Integrated Holistic Cure Centre (IIHCC) in Bangalore, India. The form collects the patient's contact details and medical history. It also includes a patient declaration acknowledging that FTR therapy involves the patient using their own fingertips under the guidance of an IIHCC medical consultant, with no guarantee of results. The patient agrees to a free medical consultation and for their anonymized clinical data to be used for research.
This document discusses prescriber viewpoints on how mandating prescription drug monitoring program (PDMP) compliance is working. It provides an overview of presentations from three physicians on their experiences with PDMP mandates in Kentucky, West Virginia, and New York. The physicians evaluate the impact of mandates requiring prescribers to check the PDMP before prescribing opioids. They describe changes in prescribing patterns, attitudes towards the mandates, and recommendations for other states.
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.
The document is ReachLocal's 2012-2013 employee benefits booklet. It provides an overview and details of the company's medical, dental, vision, life and disability insurance, and retirement plans. Eligible employees can enroll or change their benefit elections during the upcoming Open Enrollment period. The booklet reviews the various medical, dental and vision plan options available to employees and their costs.
(1) This document provides information about Medicare and Medicaid programs, including eligibility, covered benefits, and costs.
(2) It describes key differences between Medicare (an entitlement program covering health care) and Medicaid (a needs-based program covering personal care).
(3) Tips are provided for planning for long-term care, including using trusts to protect assets from the Medicaid lookback period and spend down requirements.
This up-coming workshop at the Financial Planning Association of New York's Financial Fitness Workshop highlights the basics of Medicare and Medicaid, and attempt to inform the public of the many changes in the government's pipeline for these programs.
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 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.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
Chandler 2013 open enrollment presentation with voice kg (2)KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates required by healthcare reform. It outlines the medical plan options (Choice Plus PPO, HDHP1500, HDHP2700), contraceptive coverage changes, breastfeeding support benefits, and HSA contribution amounts. Voluntary benefits like dental, vision, life and disability insurance are also summarized. The open enrollment period is from April 22nd to May 10th.
Chandler 2013 open enrollment presentation with voice 2KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates to comply with healthcare reform laws, changes to medical plan options and costs, and details about voluntary benefits employees can purchase. Key updates for the upcoming plan year include no-cost coverage of certain women's contraceptives, expanded breastfeeding support benefits, and decreased rates for some medical plans. The HDHP plans will have increased HSA contributions and the dental plan options include a new Total Dental Administrators plan. Voluntary benefits like vision and life insurance also have new carriers.
The 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 summarizes a pharmacy benefits plan, including coverage details and costs. There is no overall deductible. For generic drugs, the copay is $7 for a 30-day supply. Preferred brand drugs have a $20 copay. Non-preferred brands have a $40 copay. The out-of-pocket maximum is $4,850 single/$7,200 family. Specialty drugs require prior authorization and have a 30% coinsurance. No referral is needed to see a specialist.
This presentation will give you a complete understanding of who we are and we think our company will soon be the model of the health insurance industry.
RLee Insurance Solutions provides senior insurance solutions and aims to give seniors the right information to make the best decisions for themselves. The company was started because seniors were often pressured into unsuitable products. The document discusses Medicare history and costs, gaps in Medicare coverage that supplemental plans can fill, and options for Medicare Advantage plans versus original Medicare plus supplements. It emphasizes evaluating needs, costs, and doctor networks when choosing a plan.
This document discusses laws enacted as a result of parental advocacy around substance abuse issues. It summarizes Casey's Law, a law passed in Kentucky that allows involuntary substance abuse treatment. It was inspired by the death of Matthew Casey Wethington from a heroin overdose at age 23. The law allows parents, relatives or friends to petition the court to require someone to undergo treatment if they are unable to recognize their need for treatment due to impairment. It outlines the petition process, required evidence, evaluations, hearings, and possible outcomes including court-ordered treatment. The presenters aim to help advocates identify laws in their states, explain their components, and apply successful models elsewhere.
The Lentin Commission report investigated the deaths of 14 patients in 1986 who died from acute renal failure caused by adulterated glycerol supplied by a pharmaceutical company. Over 17 months, the commission uncovered a nexus between politicians, the FDA, and drug manufacturers. It revealed issues with 300 drug formulations and found 20% of drug samples to be defective. The commission's report led to the resignation of the health minister and discussed various medical deviances like issuing false certificates and engaging in illegal activities for monetary gain. It noted that while most doctors act ethically, some engage in unprofessional behavior for profit in violation of medical codes of conduct and laws.
Marijuana, Opioids and State Laws – What HR Teams Need to KnowCareerBuilder
This document summarizes a presentation on workplace drug testing and compliance issues. It discusses evolving issues in the drug testing industry, including medical marijuana and prescription drug laws. It provides an overview of federal laws and how they differ from varying state laws on these topics. Key court cases are mentioned, and employers' obligations under the ADA regarding prescription drug testing are reviewed. Challenges for employers around the opioid epidemic are also examined. State-specific compliance rules for drug testing programs are outlined.
Why did d-penicillamine disappear from the market?Sanjeev Kumar
This document summarizes a talk on the shortage of the drug penicillamine in India. It discusses that penicillamine disappeared from the market in mid-2016 due to lack of raw material supply from China. The official reason was that the raw material supplier was unavailable, but the actual reasons may have been that the drug came under price control and suppliers did not want to provide raw materials at a competitive price. It also discusses the roles of the Central Drugs Standard Control Organization and National Pharmaceutical Pricing Authority in regulating drug prices and availability in India. The real issue highlighted is India's increasing dependence on China for drug ingredients and the need to support domestic bulk drug manufacturing.
This document discusses various issues related to unethical practices by doctors in India, including: practicing other systems of medicine without proper training; misleading advertisements; prolonging treatment through misdiagnosis; negligence; illegal abortion and sex determination; accepting commissions for referrals; providing false medical certificates; and involvement in illegal organ transplants and nexus with pharmaceutical companies. It also summarizes some court cases related to medical negligence that resulted in compensation being awarded to victims or doctors being imprisoned. Overall, the document highlights the need for stricter regulation and punishment of deviant doctors.
Web only rx16 presummit pillmills-mon_200_investigating and prosecuting pill ...OPUNITE
This document discusses strategies for investigating and prosecuting prescription drug cases. It provides an overview of how investigations are initiated, such as through complaints or reports of patient deaths. The presentation then covers investigative resources like medical records, pharmacy records, autopsy reports, toxicology results, witness interviews, and undercover operations. Details are given on obtaining search warrants, collecting evidence at clinics and storage facilities, and seizing financial records. The objectives are to identify challenges in Rx drug investigations, understand possible charges, and explain prosecuting cases against medical professionals.
This document contains a preliminary registration form for Finger Tip Revolution (FTR) therapy provided by the International Integrated Holistic Cure Centre (IIHCC) in Bangalore, India. The form collects the patient's contact details and medical history. It also includes a patient declaration acknowledging that FTR therapy involves the patient using their own fingertips under the guidance of an IIHCC medical consultant, with no guarantee of results. The patient agrees to a free medical consultation and for their anonymized clinical data to be used for research.
This document discusses prescriber viewpoints on how mandating prescription drug monitoring program (PDMP) compliance is working. It provides an overview of presentations from three physicians on their experiences with PDMP mandates in Kentucky, West Virginia, and New York. The physicians evaluate the impact of mandates requiring prescribers to check the PDMP before prescribing opioids. They describe changes in prescribing patterns, attitudes towards the mandates, and recommendations for other states.
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.
The document is ReachLocal's 2012-2013 employee benefits booklet. It provides an overview and details of the company's medical, dental, vision, life and disability insurance, and retirement plans. Eligible employees can enroll or change their benefit elections during the upcoming Open Enrollment period. The booklet reviews the various medical, dental and vision plan options available to employees and their costs.
(1) This document provides information about Medicare and Medicaid programs, including eligibility, covered benefits, and costs.
(2) It describes key differences between Medicare (an entitlement program covering health care) and Medicaid (a needs-based program covering personal care).
(3) Tips are provided for planning for long-term care, including using trusts to protect assets from the Medicaid lookback period and spend down requirements.
This up-coming workshop at the Financial Planning Association of New York's Financial Fitness Workshop highlights the basics of Medicare and Medicaid, and attempt to inform the public of the many changes in the government's pipeline for these programs.
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 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.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
Chandler 2013 open enrollment presentation with voice kg (2)KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates required by healthcare reform. It outlines the medical plan options (Choice Plus PPO, HDHP1500, HDHP2700), contraceptive coverage changes, breastfeeding support benefits, and HSA contribution amounts. Voluntary benefits like dental, vision, life and disability insurance are also summarized. The open enrollment period is from April 22nd to May 10th.
Chandler 2013 open enrollment presentation with voice 2KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates to comply with healthcare reform laws, changes to medical plan options and costs, and details about voluntary benefits employees can purchase. Key updates for the upcoming plan year include no-cost coverage of certain women's contraceptives, expanded breastfeeding support benefits, and decreased rates for some medical plans. The HDHP plans will have increased HSA contributions and the dental plan options include a new Total Dental Administrators plan. Voluntary benefits like vision and life insurance also have new carriers.
The 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 summarizes a pharmacy benefits plan, including coverage details and costs. There is no overall deductible. For generic drugs, the copay is $7 for a 30-day supply. Preferred brand drugs have a $20 copay. Non-preferred brands have a $40 copay. The out-of-pocket maximum is $4,850 single/$7,200 family. Specialty drugs require prior authorization and have a 30% coinsurance. No referral is needed to see a specialist.
This presentation will give you a complete understanding of who we are and we think our company will soon be the model of the health insurance industry.
RLee Insurance Solutions provides senior insurance solutions and aims to give seniors the right information to make the best decisions for themselves. The company was started because seniors were often pressured into unsuitable products. The document discusses Medicare history and costs, gaps in Medicare coverage that supplemental plans can fill, and options for Medicare Advantage plans versus original Medicare plus supplements. It emphasizes evaluating needs, costs, and doctor networks when choosing a plan.
Pet insurance is among the fastest growing employee benefits in the US. Pets Best has been offering comprehensive pet insurance and wellness since 2005. Learn more about how pet insurance works, our plans, and how you can offer pet insurance in your company.
Concierge Benefit Services provides affordable healthcare solutions including telemedicine benefits and medical bill negotiation. They offer 24/7 access to licensed physicians via phone or video consultations for common conditions. This reduces costs compared to visits to primary care doctors, urgent care clinics, or emergency rooms. Medical bill negotiation can save an average of 20-60% per bill. Their services aim to make healthcare more convenient and affordable for individuals and employees of companies.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
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.
The number of uninsured Americans has risen to 50.7 million, or one in six people. This is the highest rate since 1987 and is due to rising healthcare costs, loss of employer-provided insurance during the recession, and families cutting costs by going without coverage. While the Affordable Care Act aims to address this problem, it does not cover prescription drug costs, and over 40 million Americans still lack adequate pharmacy benefits. The growing senior population also faces issues with the Medicare "doughnut hole" and fixed incomes not covering medication costs. Overall, over half of Americans have inadequate or no health insurance.
The number of uninsured Americans has risen to 50.7 million, or one in six people. This is the highest rate since 1987 and is due to rising healthcare costs, loss of employer-provided insurance during the recession, and families cutting costs by going without coverage. While the Affordable Care Act aims to address this problem, it does not cover prescription drug costs, and over 40 million Americans still lack adequate pharmacy benefits or have high deductibles. The growing senior population also faces issues with Medicare coverage gaps and high out-of-pocket drug costs. RX Cut offers a free prescription discount card program that can help save thousands by providing discounts of up to 75% on medications with no fees or restrictions.
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...ABHILASH DUTTA
This presentation provides a thorough examination of Over-the-Top (OTT) platforms, focusing on their development and substantial influence on the entertainment industry, with a particular emphasis on the Indian market.We begin with an introduction to OTT platforms, defining them as streaming services that deliver content directly over the internet, bypassing traditional broadcast channels. These platforms offer a variety of content, including movies, TV shows, and original productions, allowing users to access content on-demand across multiple devices.The historical context covers the early days of streaming, starting with Netflix's inception in 1997 as a DVD rental service and its transition to streaming in 2007. The presentation also highlights India's television journey, from the launch of Doordarshan in 1959 to the introduction of Direct-to-Home (DTH) satellite television in 2000, which expanded viewing choices and set the stage for the rise of OTT platforms like Big Flix, Ditto TV, Sony LIV, Hotstar, and Netflix. The business models of OTT platforms are explored in detail. Subscription Video on Demand (SVOD) models, exemplified by Netflix and Amazon Prime Video, offer unlimited content access for a monthly fee. Transactional Video on Demand (TVOD) models, like iTunes and Sky Box Office, allow users to pay for individual pieces of content. Advertising-Based Video on Demand (AVOD) models, such as YouTube and Facebook Watch, provide free content supported by advertisements. Hybrid models combine elements of SVOD and AVOD, offering flexibility to cater to diverse audience preferences.
Content acquisition strategies are also discussed, highlighting the dual approach of purchasing broadcasting rights for existing films and TV shows and investing in original content production. This section underscores the importance of a robust content library in attracting and retaining subscribers.The presentation addresses the challenges faced by OTT platforms, including the unpredictability of content acquisition and audience preferences. It emphasizes the difficulty of balancing content investment with returns in a competitive market, the high costs associated with marketing, and the need for continuous innovation and adaptation to stay relevant.
The impact of OTT platforms on the Bollywood film industry is significant. The competition for viewers has led to a decrease in cinema ticket sales, affecting the revenue of Bollywood films that traditionally rely on theatrical releases. Additionally, OTT platforms now pay less for film rights due to the uncertain success of films in cinemas.
Looking ahead, the future of OTT in India appears promising. The market is expected to grow by 20% annually, reaching a value of ₹1200 billion by the end of the decade. The increasing availability of affordable smartphones and internet access will drive this growth, making OTT platforms a primary source of entertainment for many viewers.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
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At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
3 Simple Steps To Buy Verified Payoneer Account In 2024SEOSMMEARTH
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Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
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3. Due to unavoidable circumstances, the UHC plans offered earlier this year were cancelled January 31,
2018.
Enrolled employees have had health insurance coverage continuously since January 1, 2018.
plans were effective January 1 through 31. Blue Cross Blue Shield plans were effective
2018.
In order to get health insurance in place as soon as possible for employees, we elected to go with
Blue Cross Blue Shield of Texas and the most comparable plans available.
All enrolled employees were covered by the original UHC plans January 1 through January 31, 2018.
If you spent money on health care during January, please submit copies of the receipts to info@cpr-
aso.com. All claims submitted and denied for lack of coverage will be automatically reprocessed by
UHC as soon as possible.
If you spent money on health care in February, please send a copy of your receipt to info@cpr-
aso.com. These claims will be processed as soon as the BCBS systems are set up. This includes claims
for medical care as well as prescriptions.
4. Employees who were enrolled in the UHC plans have been automatically enrolled in the following
plans:
All employees who enrolled in the UHC plans were enrolled in BCBS Blue Choice Silver PPO 845:
$6,000/$12,000 deductible
$7,350/$14,700 out-of-pocket
Employees enrolled in the RSLI Limited Medical plan are not affected by these changes.
5. All employees may enroll or switch to and from any plans until March 30, 2018.
If you wish to enroll or switch plans, please contact Pat Bakeman at 816.503.3116 or
HRAdmin@outwestexpress.com by March 16, 2018.
All claims submitted February 1 through March 31 will be processed
on the plan in which you are enrolled March 31, 2018.
If you do not wish to be enrolled in health coverage, there is no need to waive coverage.
NOW is the time to make any changes to any of your benefits for 2018!!
6. Two types of Major Medical Plans. PPO (Preferred Provider) and HMO (Health Maintenance
Organization)
PPO (Available in all States) HMO (ONLY Available in TX)
Can go to any provider, primary care
or specialist, in- or out-of-network.
Must use one in-network primary care
provider who coordinates all care and
keeps all of your medical records.
* must have referral to see specialist
(unless an emergency)
Will pay benefits both in- and out-of-
network (always pay less in-network).
Will ONLY pay benefits in-network.
Typically higher premium and higher
out-of-pocket amounts.
Typically lower premium and lower
out-of-pocket amounts.
**Be sure to check the directory of providers in your area (www.bcbstx.com). There may be a limited
number of choices of providers to take care of your medical needs on the HMO plans.
7. Medical: HMO (TX Only)
Advantage Gold
HMO
Employee Contribution
Employee Only $48.35
Employee & Spouse $229.24
Employee & Child(ren) $195.33
Employee & Family $367.11
Advantage Bronze HMO
Employee
Contribution
Employee Only $38.00
Employee & Spouse $130.00
Employee & Child(ren) $126.00
Employee & Family $210.00
Blue Advantage Gold HMO 822 Blue Advantage Bronze HMO 806
8. Medical: PPO (All States)
Employee Contribution
Employee Only $58.23
Employee & Spouse $252.60
Employee & Child(ren) $216.21
Employee & Family $400.84
Blue Choice Silver PPO 845 Blue Choice Silver PPO 827
Blue Choice Platinum PPO 810
Employee Contribution
Employee Only $48.35
Employee & Spouse $229.24
Employee & Child(ren) $195.33
Employee & Family $367.11
Employee Contribution
Employee Only $93.69
Employee & Spouse $336.66
Employee & Child(ren) $291.11
Employee & Family $521.86
9. HMO (Only Available in Texas)
Plan Name
Blue Advantage Gold
HMO 822
Blue Advantage Bronze
HMO 806
Primary Care Visit $25 $0
Specialist Visit $45 $0
Diagnostic Test (x-ray, blood work) $100 $0
Imaging (CT/PET scans, MRIs) $200 $0
Preferred Generic Drugs/Preferred Pharmacy $0 $0
Preferred Generic Drugs/Participating Pharmacy $10 $0
Non-Preferred Generic Drugs/Preferred Pharmacy $10 $0
Non-Preferred Generic Drugs/Participating Pharmacy $20 $0
Preferred Brand Drugs/Preferred Pharmacy $50 $0
Preferred Brand Drugs/Participating Pharmacy $70 $0
Non-Preferred Brand Drugs/Preferred Pharmacy $100 $0
Non-Preferred Brand Drugs/Participating Pharmacy $120 $0
Preferred Specialty Drugs $150/prescription $0
Non-Preferred Specialty Drugs $250/prescription $0
Outpatient Surgery $100/procedure $0
Outpatient Physician/Surgeon $0 $0
Emergency Room Care $750/visit $0
Emergency Medical Transportation $150/service $0
Urgent Care $25/visit $0
Facility Fee (Hospital) $150/admit $0
Physician/Surgeon $0 $0
You pay above prices until you have paid
$7,350/$14,700, then you pay nothing. (Note:
Nothing is covered out-of-network.)
You pay all expenses until you have paid
$6,500/$13,100, then you pay nothing. (Note:
Nothing is covered out-of-network.)
**See Summary of Benefits and Coverage/Plan Documents for complete plan details.
10. PPO (Available in all States)
Plan Name
Blue Choice Silver
PPO 845
Blue Choice Silver
PPO 827
Blue Choice Platinum
PPO 810
Primary Care Visit $40* $40* $25*
Specialist Visit $70* $80* $45*
Diagnostic Test (x-ray, blood work) 20% coinsurance 30% coinsurance 20% coinsurance
Imaging (CT/PET scans, MRIs) 20% coinsurance $250/test* 20% coinsurance
Preferred Generic Drugs/Preferred Pharmacy $0 $0 $0
Preferred Generic Drugs/Participating Pharmacy $10* $10* $10*
Non-Preferred Generic Drugs/Preferred Pharmacy $10* $10* $10*
Non-Preferred Generic Drugs/Participating Pharmacy $20* $20* $20*
Preferred Brand Drugs/Preferred Pharmacy $50* $50* $35*
Preferred Brand Drugs/Participating Pharmacy $70* $70* $55*
Non-Preferred Brand Drugs/Preferred Pharmacy $100* $100* $75*
Non-Preferred Brand Drugs/Participating Pharmacy $120* $120* $95*
Preferred Specialty Drugs $150/prescription* $150/prescription* $150/prescription*
Non-Preferred Specialty Drugs $250/prescription* $250/prescription* $250/prescription*
Outpatient Surgery $200 + 20% coinsurance $200 + 30% coinsurance $100 + 20% coinsurance
Outpatient Physician/Surgeon 20% coinsurance 30% coinsurance 20% coinsurance
Emergency Room Care $750 + 20% coinsurance $500 + 30% coinsurance $300 + 20% coinsurance
Emergency Medical Transportation 20% coinsurance 30% coinsurance 20% coinsurance
Urgent Care $40/visit* $40/visit* $25/visit*
Facility Fee (Hospital) $250 + 20% coinsurance $250 + 30% coinsurance $150 + 20% coinsurance
Physician/Surgeon 20% coinsurance 30% coinsurance 20% coinsurance
You pay all expenses until you have paid
$6,000/$12,000, then the above expenses until
you have met Out-of-Pocket $7,350/$14,700, then
you pay nothing. (Note: * means this expense
does not count toward the deductible or out-of-
pocket.)
You pay all expenses until you have paid
$3,000/$9,000, then above prices until you have
paid $7,350/$14,700, then you pay nothing. (Note:
* means this expense does not count toward the
deductible or out-of-pocket.)
You pay all expenses until you have paid $250/$750, then
above prices until you pay $1,250/$3,750, then you pay
nothing. (Note: * means this expense does not count
toward the deductible or out-of-pocket.)
**See Summary of Benefits and Coverage/Plan Documents for complete plan details: www.outwestexpress.com/benefits.com (password 2018)
11. Medical
The Summary of Benefits and Coverages documents for all plans are
available for review.
Outwest Express Offices, see Pat Bakeman or Gabby Martinez to review a
printed copy.
On the OWE Benefits Portal at www.outwestexpress.com/benefits
(password 2018).
Contact Pat Bakeman at HRAdmin@outwestexpress.com or call
816.503.3116 and request a copy to be emailed to you.
12. Medical
ALL plans have in-network providers. Must use in-network for HMO plans!
It is ALWAYS less expensive to use In-Network providers.
To locate in-network provider, check listing at www.bcbstx.com and review provider (primary
care, specialist, pharmacy, etc.) listings.
• You can search by provider name, location, or specialty.
• You can use cost estimator to get an estimate of costs for services or prescriptions.
13. Medical
Preventative Services
Age Banded Preventative Care:
Mammogram
Colonoscopy
Annual Physicals
Well Woman
Visits/Exams
Standard Immunizations
Pediatric Checkups
Employee pays $0!
14. Medical
Your medical provider works for you! You have the right to be involved in decisions about
your care.
YOU DIRECT YOUR CARE! GET INVOLVED!!
15. PRESCRIPTION
Blue Cross and Blue Shield uses Preferred Providers for all Plans
**It is always less expensive to use the preferred providers, such as Walgreens.
Check the preferred pharmacy listings at www.bcbstx.com!
Get Involved! Ask provider to write prescription for double strength and then split the pill -
- you get twice the medication for the price of a single prescription! (It doesn’t hurt to ask
and if it is possible (based on the medication), you saved money!
******I M P O R T A N T *** I M P O R T A N T *** I M P O R T A N T *** I M P O R T A N T******
16. MdLive = VIRTUAL VISIT
Whether you are at home or on the road, you can call or
go online with a medical professional who can diagnose
and prescribe medication for you!
Cost varies depending on your health plan: $25-45
Your provider can call in a prescription for you at a local
pharmacy – local to wherever you are at the time!
Get Involved! Think of the convenience! You don’t have to be at home or leave home if you
are there, you don’t have to travel to a doctor’s office, you don’t have to wait for an
appointment, you have easy-access to get a prescription when needed.
17.
18.
19. DENTAL: Dearborn
National
Dental Weekly Premium
Employee Only $7.62
Employee &
Spouse
$15.25
Employee &
Child(ren)
$14.31
Employee &
Family
$24.25
Service Plan Pays
Exams, Cleanings, and Sealants 100%
X-Rays (Bitewings only) 100%
Xrays (All Others) 100%
Palliative Treatment (Emergency) 100%
Space Maintainers 80%
Basic Restorative, Simple Extraction 80%
Repairs of Crowns, Inlays, Onlays, Dentures, and Bridges 80%
Complex Oral Surgery, General Anesthesia 80%
Posterior Resins Included in Annual
Maximum
Endodontics, Surgical and Non-Surgical Periodontics 50%
Inlays, Onlays and Crowns 50%
Prosthetics (Bridges and Dentures) 50%
Implants, TMD/TMJ (Annual/Lifetime) 0%
Deductible $50 Individual/$150 Family
Annual Maximum $1,000
The Dearborn National dental plan mirrors the previous UCCI PPO
plan. If you were enrolled in the UCCI plans (both PPO and DMO),
your enrollment has been transferred to the Dearborn plan. Now is
the time to make changes if you wish to do so!
20. VSP VISIONVSP Vision
Employee pays premium.
Vision Weekly
Premium
Employee
Only
$1.21
Employee &
Spouse
$2.30
Employee &
Child(ren)
$2.70
Employee &
Family
$3.80
Benefit In-Network Provider
WellVision Exam
every 12 months
$10.00
Lenses
every 12 months
$25 copay
Frame
every 24 months
$25 copay, up to $130
Medically Necessary Contacts $25 copay (in lieu of lenses and frames)
Your member id is your social security number. When you go to an in-network provider, give them your name
and social security number and they will verify your coverage.
The VSP Vision plan mirrors the previous vision plan –
in both coverage and premium. If you were enrolled
in the previous vision plan in January, you have been
enrolled in the VSP plan. Now is the time to make
changes if you wish to do so!
21. Life InsuranceOutwest Express provides a $20,000 life insurance policy for each employee.
Employees may purchase additional life insurance up to $250,000 for themselves,
$125,000 for spouses, and $10,000 for dependent children. Rates are based on the
employees age. For more information, see the rates page in the Enrollment
booklet at www.outwestexpress.com/benefits (password 2018).
22. Disability IncomeAll employees are eligible to purchase Disability Income insurance. This is used to
replace your income if you are off work due to a disability or illness.
Weekly
Premium
Employee
Only
$2.13
This coverage provides for up to $500 per week, based on your average annual
wage earnings.
23. Supplemental AccidentAll employees are eligible to purchase Supplemental Accident insurance. This is a
one-time payment that is based on the injury sustained.
This coverage provides a one-time payment of $25,000 if you are diagnosed with
a critical illness, such as cancer.
Critical Illness
24. Benefit Enrollment
March 1st - March 30th
Please elect your benefits by March 16th to allow time to get everything set up in
the various benefit systems.
To enroll or change, please call Pat Bakeman at 816.503.3116 or send an email to
HRadmin@outwestexpress.com.
25. Contacts:
Pat Bakeman, OWE Human Resources
816.503.3116
pbakeman@outwestexpress.com
Teresa, VBG
817.482.1107, ext. 111
Teresa@vbginsurance.com
If you have questions about any of the benefit plans, please contact:
Benefit documents and information as well as Summary of Benefits and Coverages
documents are available at www.outwestexpress.com/benefits (password 2018).
Print copies are available in the training rooms!
26. Please contact Pat Bakeman at 816.503.3116
to enroll in benefits – to join a plan, to change
plans, or to decline benefits.
Pat will be available for your enrollment
Monday through Friday 8am to 4pm CST.
Teresa at VBG is available to answer benefit
coverage questions. Please contact her at
817.482.1107, ext. 111 for plan details.
27. Thank you for your patience with the 2018 benefit
enrollments!