TeamB.P-Plan.(SilverBenefits).PA600 submitted

Thispaperis a fullyfunctional start-upplan
for Silver Benefits. Silver Benefits is the
brain child of five graduate students
wanting to better society. Silver Benefits
will improve the quality of life for rural
residents by providing health education
and preventative health services
Team B
P-Plan
Keller Graduate School of
Management PA600
Annette Pearson,CassandraReeves,Cynthia
Peebles,JulioQuintero,&LorettaNusser

pg. i
Silver Benefits:
Where our community is about YOU!

pg. ii
Table of Contents
Table ofContents
Executive Summary............................................................................................................................1
Organization ......................................................................................................................................2
Mission Statement ..........................................................................................................................3
Goals and Objectives ......................................................................................................................3
Organization History.......................................................................................................................4
Marketing and Communications ..........................................................................................................5
Geographic Segmentation................................................................................................................5
Demographic Segmentation.............................................................................................................7
Marketing Communication Mix .....................................................................................................11
Advertising ...............................................................................................................................12
Public Relations ........................................................................................................................15
Fundraising and Grants .................................................................................................................17
Year One Fundraising................................................................................................................17
Grants.......................................................................................................................................18
Stakeholders.................................................................................................................................19
SWOT Analysis............................................................................................................................19
Operations........................................................................................................................................21
Silver Benefits Mobile Health Care Unit ........................................................................................21
Milestones, Assumptions and Dependencies...................................................................................22
State and Federal Licensure Requirements......................................................................................23
State Requirements....................................................................................................................23
Federal Licensing Requirements.................................................................................................23
Joint Commission .........................................................................................................................24
Medicare and Medicaid .................................................................................................................24
Qualified Participants to Silver Benefits Program............................................................................26
Services Offered...........................................................................................................................26
Performance Indicators..................................................................................................................27
Management Information System...................................................................................................28

pg. iii
Communications Technology ........................................................................................................30
Hughes 9450-C11 BGAN Mobile Satellite Terminal: ..................................................................30
eSilverBenefits .............................................................................................................................31
The Silver Benefits Website http://esilverbenefits-com.webnode.com/..........................................31
Human Resources.............................................................................................................................31
Training .......................................................................................................................................32
Diversity Policy............................................................................................................................34
Organizational Structure................................................................................................................35
Conflict of Interest Statement........................................................................................................44
Finance............................................................................................................................................46
Insurance Billing...........................................................................................................................46
Sliding Fee Scale/Ability to Pay.....................................................................................................47
Benefits........................................................................................................................................47
Controls, Checks and Balances......................................................................................................48
Funding and Budget......................................................................................................................49
Works Cited.....................................................................................................................................52
Appendix

pg. 1
Executive Summary
The 2010 United States Census has noted that approximately 19.5% of the United States
population is considered rural (Health Resources Service Administration, 2013). A geographic area is
considered ‘rural’ when the population of said area is under 50,000 and therefore not considered to be a
‘Metropolitan Statistical Area’. While rural areas may not be a consideration from a metropolitan
statistical area standpoint, they are a consideration for access to health care,such as:
On a National level only 10% of licensed physicians practice in rural areas.
28% of adults in rural areas would describe their health in poor to fair at best.
Female death rate (aged 1-24) is 10% higher in rural areas compared to urban areas.
Male death rate (aged 1-24) is 20% higher in rural areas compared to urban areas.
Incidents of hypertension are higher by 28% in rural areas.
(National Rural Health Association, 2013)
Silver Benefits recognizes that if citizens of rural areas had access to health care education, pre-
screening and preventative health care services,these statistics would be very different. We have targeted
Northeastern Wisconsin as our initial organizations focus; specifically, Oneida, Forest, Marinette,
Florence, Oconto and Menominee, counties. Silver Benefits has selected these rural counties based on
health outcome statistics measured from 2008 – 2010.
County
Premature
Death
Poor to Fair
Health
Poor
Physical
Health Days
Poor
Mental
Health Days
Low Birth
Weight
Preventable
Hospital
Stays
Diabetic
Screening Uninsured
Primary
Care Ratio
Oneida 6164 12% 3.2 2.6 7.80% 53 90% 11% 678:1
Forest 7717 13% 3.9 2.5 8.00%
Marinette* 5878 12% 3.2 3.0 7.40% 55 90% 11% 1,247:1
Florence 4678 14% 3.7 2.4 42 88% 14% 1,470:1
Oconto 6238 12% 3.8 3.4 5.70% 64 89% 11% 3,139:1
Menominee 15929 16% 3.9 2.1 7.40% 78% 13% 1,421:1
* statistics are not available so default is Wisc average
(County Health Rankings and Roadmaps, 2013)
The shortage of physicians providing health care in Wisconsin’s rural communities is a key factor
in the lack of preventive health care for members in those communities. Approximately 40% of licensed
and practicing physicians are located in Milwaukee and Madison. The remaining 60% are distributed
regionally but not evenly based on population (Wisconsin Area Health Education Center, 2013). It is
therefore a practical assumption that rural community members are sicker because they are not getting
equal access to health care.

pg. 2
Operating from a mobile health care unit (‘the bus’), in partnership with local hospitals, Silver
Benefits will travel, on a rotating and set schedule, to each of our targeted counties to provide health care
education, pre-screening and preventative health care services. Silver Benefits will accept Medicare and
Medicaid reimbursement, as well as an ability to pay sliding fee scale, for those without insurance. This
will ensure that all residents have the opportunity to receive necessary health care services. A medical
director will have oversight for our health care operations and a nurse practitioner will execute all medical
services on the mobile health unit during operation hours; nursing and medical students will provide
auxiliary support. Silver Benefits will not replace a primary care physician but will provide support for
those that cannot get easy access to their physician.
Silver Benefits primary source of funding will be from grants and will also rely on fundraising
and sponsorships; we estimate startup costs of $2,000,000. This money will be used to purchase ‘the
bus’, equipment and supplies, acquire an MIS system, obtain paid and volunteer staff, and secure all
necessary licenses and permits. Our goals for fundraising in year one versus subsequent years is that we
will have to take initial set-up, one-time, costs in consideration. Our intention is to seek a small business
loan to mitigate the dependency on cash to begin startup tasks and then to pay the loan back with grant
and fundraising dollars, once received. Subsequent years, Silver Benefits will primarily use
fundraising/grant revenues for sustaining current levels of operations as well as would be directed for
research,development and growth; billing revenues would also be used to offset any budget over-runs.
Silver Benefits is dedicated to increasing the quality of life for the communities we serve. We
feel that by giving our communities access to quality healthcare that we can and will make a difference.
Organization
Silver Benefits will begin as a mobile non-profit organization designed to bring healthcare
prevention and intervention to the residents of rural Northeastern Wisconsin. Our goal is to offer
healthcare services, educate the residents residing in the rural regions of Wisconsin who have little or no
income and have limited or no insurance. As we continue monitoring and measuring the need for our

pg. 3
services, we will continue to educate the rural residents, both public and private sectors about health
issues and risks. For example; education workshops will include pre-screening services and preventative
healthcare for diabetes, high blood pressure,various cancers (breast,uterine, ovarian, prostate, colon),
stress,anxiety, and depression. Primarily Silver Benefits will be provided to rural communities in
Wisconsin, and will eventually expand to urban areas as the organization matures and additional
sponsorships are received. Our vision would be to see our program adopted by the local, state,and
federalgovernment and offered all over the United States.
Silver Benefits primary target areas for patient recruitment will be the following Northeastern
rural counties of Wisconsin which includes Oneida, Forest, Marinette, Florence, Oconto and Menominee.
Our secondary area for patient recruitment will be all other surrounding areas. As the organization grows,
more areas will be added per our financial ability to serve these regions and their communities.
MissionStatement
Silver Benefits will promote healthcare awareness by providing preventative healthcare education
and services to low income rural areas. Silver Benefits is dedicated to increasing the quality of life for the
communities we serve.
Goals and Objectives
Silver Benefits has three major goals, each with specific objectives, in providing preventive care
to members of rural communities which are generally underserved areas. We will calculate and analyze
specific indicators to determine whether the goals of the organization are being fulfilled, or if changes
need to be made; the performance indicators, discussed in the operations section, are what leadership feels
are attainable numbers to achieve in the first year. These numbers are subject to change once Silver
Benefits begins operations.
Goal # 1: Provide affordable preventive care for individuals who live in rural communities.
Objective 1.1: Accept all patients regardless of ability to pay. We will only direct bill Medicare and
Medicaid.

pg. 4
Objective 1.2: Conduct preventive care workshops to the community to teach healthy living lifestyles,
including; diet, exercise and smoking cessation classes with an emphasis on how to avoid diabetes and
heart diseases.
Objective 1.3: Provide annual free flu shots forchildren 0-12 years old and seniors 65 years and older.
Objective 1.4: Will obtain donations from a variety of sources to secure Silver Benefits financial
stability.
Goal # 2: Provide a preventive health care facility that will be accessible for members of
a rural community.
Objective 2.1: Establish the preventive healthcare facility in an area that is logistically centered within
the rural community.
Objective 2.2: Obtain transportation vehicles in order to offer reliable, safe and efficient transportation
for community members who have no means of transportation.
Objective 2.3: Provide preventive care services Monday through Friday and the first Saturday of each
month.
Goal # 3: Recruit healthcare providers for both paid and volunteer preventive healthcare
services in a rural community.
Objective 3.1: Recruit medical students and nurses fromlocal and out-of-state colleges and
universities.
Objective 3.2: Engage and attract physicians who are invested and passionate about providing
preventive healthcare by presenting the plan for establishing Silver Benefits.
Objective 3.3: Offer physicians attractive monetary bonus incentives to work in our rural community.
Objective 3.4: Will recruit and hire experienced and well trained staff of volunteers and employees.
Organization History
Silver Benefit’s started as an idea on July 7, 2013, and through strategic planning, has developed
into the Silver Benefits organization, a non-profit and federally recognized 501(c)(3) organization. The
primary purpose of establishing this business is to provide low income rural regions with preventative
healthcare, healthcare education, and other services.
Silver Benefit’s mobile office will initially be located in Marinette/Menomonee Counties. The
mobile unit will be stored when not in use at Aurora Healthcare Clinic in Northeastern Wisconsin. Our
mobile office will operate in the Northeastern Rural Region of WI and will serve the following counties:
Florence
Forest
Marinette
Menominee
Oconto

pg. 5
Marketing and Communications
Geographic Segmentation
Silver Benefits has selected the Northeastern Wisconsin region as the primary target for its
mobile preventative health care organization; this geographic location directly aligns with the
organization's primary goal of improving the availability, affordability, and quality of rural health care.
The Northeastern Wisconsin region includes the following target counties: Oneida, Oconto, Forest,
Marinette, Florence, and Menominee. These counties have a high heart disease mortality associated with
a high percentage of obese and diabetic population, which will serve as a primary target for Silver
Benefits mobile preventative health services being offered. In addition to the high percentage of obese
and diabetic populations, this region also has a high number of poverty populations, which often
correlates to a high number of underinsured and uninsured patients. According to the Wisconsin
Department of Health Services, the Northeastern Wisconsin region has a high poverty population level of
138,000 people, which is aligned with our mission for providing preventative health services to the poor,
under insured and uninsured population (Wisconsin, State of , Public Health Profiles, 2013). Although
the Southeastern region shows a higher population census as shown below in Figure 1, Silver Benefits has
selected the Northeastern Wisconsin region over the Southeastern Wisconsin region due to the fact that
the Northeastern Wisconsin region area meets the federalHealth Professional Shortage Area (HPSA),
while the Southeastern Wisconsin region does not meet these requirements.

pg. 6
Figure 1. Number (and Percent) in Poverty in the Wisconsin Regions, 2010.
(Wisconsin, State of , Public Health Profiles, 2013)
Silver Benefits has also targeted the Northeastern Wisconsin region as evidenced by a high
poverty level, high unemployment rate,and high heart disease prevalence in comparison to the entire state
of Wisconsin. The Northeastern Wisconsin targeted counties had a 19.2% average poverty level as
compared to the state of Wisconsin's poverty level of 12.4%. The Northeastern Wisconsin's highest
mortality by disease is heart disease, which is consistent with the state's second highest mortality by
disease. The average unemployment rate for the Northeastern Wisconsin region is 11.2% as compared to
the state's unemployment rate of 8.3%. In addition, the Northeastern Wisconsin's targeted counties
average median household income in 2009 was $36,790 as compared to Wisconsin's $49,994 median
household income. See Figures 2 and 3
Northeastern
336,000
Northeastern
138,000
((12((((((9(*12
%)
Southwestern
100,000
Northern
82,000
Western
78,000

pg. 7
Figure 2 Northeastern Wisconsin Public Health Records, 2010.
Figure 3 Wisconsin Public Health Records, 2010.
Demographic Segmentation
Silver Benefit's primary target population will include the following demographic segmentation:
Age
Silver Benefits will provide services to all age groups; recognizing that children in rural areas are
also significantly impacted and affected by not having access to quality preventative health care.
However,the 18 to 44 demographic is the largest age group with statistically recognized health risks;
Silver Benefits expects our largest client volume to come from those aged 18-44.
Figure 4. Wisconsin Residents Living in Poverty, by Age Group, 2010
County
Poverty
Level
Highest
Mortality by
Disease
Mortality
Deaths
Unemployment
Rate
Median
Household
Income (2009)
Oneida 10.9% Heart Disease 106 10.0% $46, 125
Oconto 10.4% Heart Disease 116 9.8% $49, 037
Forest 16.0% Heart Disease 24 10.1% $37,100
Marinette 32.2% Heart Disease 131 10.6% $38,594
Florence 14.2% Heart Disease 20 10.0% $40,817
Menominee 31.7% Cancer 10 15.5% $30,648
Averages 19.2% 11.2% $36,790
State
Poverty
Level
Highest
Mortality by
Disease
Mortality
Deaths
Unemployment
Rate
Median
Household
Income (2009)
Wisconsin 12.4% Heart Disease 11,085 8.3% $49,994
Cancer 11,267

pg. 8
(Wisconsin, State of, Wisconsin Health Facts: Poverty and Health, 2010, 2013)
Income
Silver Benefits will not turn anyone away for services. But our primary mission is to provide
services to low income residents. So we will focus our marketing on households up to six members with
incomes under $29,530.
Figure 5. Federal Poverty Level (FPL)
Household Size Federal Poverty Level
1 $10,830
2 $14,570
3 $18,310
4 $22,050
5 $25,790
6 $29,530
(Assistant Secretary for Planning and Evaluation, 2013)
Health Insurance Status
A lack of health insurance is aligned to our mission statement as one of our goals is to provide
affordable healthcare to our patients. Part of the primary target will consist of people who fall into the
category of poor, near poor, partly insured and uninsured for all or part of the year. According to Figure
6, 33% of the poor population, 24% of the near poor population, and 36% of the not poor population did
not have insurance for the entire year in 2010.
26%
42%
14%
18%
Poverty Level by Age Group
Under Age 18
Age 18 - 44
Over Age 65
Age 45 - 64

pg. 9
Figure 6. Poverty Status by Health Insurance Coverage, Wisconsin 2010 (WDHS, 2012).
Race and Ethnicity
Silver Benefits will not target any one race or ethnicity. Our goal is to provide services to low
income residents. Statistically African-American and Hispanic population make up a large percentage of
the poor and near poor population. Therefore,the majority of our patients will be from those
demographics. See figure 7 below for an illustration of the poverty status by race and ethnicity in our
service area.
Figure 7. Poverty Status by Race and Ethnicity, Wisconsin 2010.
11% 20% 33%17%
32%
24%
67%
42% 36%
Insured all of past 12 months Uninsured part of past 12 months Uninsured for all of past 12 months
Health Insurance Coverage
Poor (<100% FPL) Near Poor (100-199% FPL) Not Poor (200% FPL or more)
13%
54%
27%
16% 9%
18%
16%
30%
18%
17%
64%
23%
37%
56%
68%
Total African-American Hispanic American Indian White
Poverty Status by Race and Ethnicity
Poor (<100% FPL) Near Poor (100-199% FPL) Not Poor (200% FPL or more)

pg. 10
Health Status
There is a high prevalence of adults diagnosed with heart disease in the targeted counties of
Northeastern Wisconsin region, which most often is associated with type-two diabetes. According to
Symptomfind.com, high risk groups for type-two diabetes include people who are overweight and over 40
years old (Symptomfind, 2013). A person who consumes excessive amounts of sugar is also likely to
develop type-two diabetes (American Diabetes Association, 2013). People with high blood pressure,high
cholesterol, obesity, and a family history of diabetes are at risk (American Diabetes Association, 2013).
Figure 8 below, demonstrates behavioral risk factors comparing non diabetics and diabetics in the
Northeastern region of Wisconsin
Figure 8. Behavioral Risk Factors, Northeastern Wisconsin Region 2010
(Wisconsin, State of, The2011 Burden of Diabetes in Wisconsin, 2013)
* Overweight is defined as BMI ≥ 25.0 to < 30.0 kg/m2
* Obesity is defined as BMI ≥ 30.0 kg/m2
Figure 9 below illustrates the number of people who have been diagnosed and those who remain
undiagnosed for diabetes in Wisconsin while figure 10 illustrates the number in the northeastern area of
Wisconsin.
53%
87%
71%
66%
31%
26%
63%
24%
32%
21%
Obese
Overweight/Obese
High Blood Pressure
High Cholesterol
Lack of Physical Activity
Behavioral Risk Factors
No Diabetes Diabetes

pg. 11
Figure 9. Total Number of Adults Diagnosed with Diabetes by Age Group in the state of Wisconsin.
Age Category Estimated Number Estimated Number
Diagnosed Undiagnosed Estimated
♦ Ages 18 – 44 47,870 17,880 65,750
♦ Ages 45 – 64 156,230 58,150 214,380
♦ Ages 65 + 142,090 52,870 194,960
♦ All Ages Adult * 346,190 128,900 475,090
Diabetes Prevalence - Northeastern Region (2011)
Figure 10. Number of Adults Diagnosed with Diabetes by Age Group in Northeastern Region.
Age Category Estimated Number Estimated Number
Diagnosed Undiagnosed Estimated
♦ Ages 18 – 44 8,780 3,280 12,060
♦ Ages 45 – 64 40,170 14,970 55,140
♦ Ages 65 + 35,700 13,290 48,990
♦ All Ages Adult * 84,650 31,540 116,190
Marketing Communication Mix
Silver Benefits communication mix will consist of advertising, public relations, events and
experiences, as well as word of Mouth Marketing. Fundraising efforts will also serve as a marketing
methodology.

pg. 12
Figure 11. Silver Benefits Communication Mix
Advertising
Silver Benefits will make use of brochures, flyers, invitation and announcements, advertising
gifts and radio announcements.
Brochures
As a low cost method of marketing communication, Silver Benefits will be purchasing a total of
10,000 brochures at $0.193 per unit (PsPrint,2013). The reasons for choosing this communication tools is
because it is a low cost and quick method for informing the community specifically about Silver Benefit's
Preventative Health Program. Each brochure will be 8.5 x 11 and will fold to 8.5 x 3.5 inches. The
brochures will include detailed information about the services provided by the organization, contact
information, and also include a calendar informing the community where Silver Benefit's mobile van will
be providing services on each particular day and time. The cost for these brochures will total $1,930.
Volunteers will be distributing these brochures door to door and at community events.
Flyers
Another low cost marketing communication tool is the flyer. Silver Benefits will be purchasing a
total of 5,000 flyers and they will be distributed by Silver Benefits volunteers. Silver Benefits chose this
tool as a quick, low cost method for getting the word out to the community. These flyers will include
Marketing
Communication
Mix
Advertising
Public
Relations
Events &
Experiences
Word of
Mouth
Fundraising

pg. 13
information to draw attention to our potential customers and people in the target community. We will
include keywords such as, Free Health Screenings, and in small print we will include, the words: please
call us to see how you can qualify for this free health service. The cost of these flyers will be $0.21 per
unit x 5,000 flyers for a total of $1,060 (PsPrint, 2013).
Invitation Announcements
Silver Benefits will also include invitation announcements as another low cost marketing
communication tool. This tool also gives the organization a quick method to make a public
announcement to the community and potential stakeholders who may be interested in making a donation
towards the program. A total of 500 invitation announcements will be distributed by our volunteers
approximately one month prior to our opening date. These invitation announcements will be distributed
to houses, churches, schools, and community hospitals near our initial starting mobile location areas. An
additional 1,500 invitation announcements will be used throughout the year for invitations to our special
healthcare prevention community events. The cost of these invitation announcements will be $0.486 per
unit 1,500 flyers totaling $972 (Staples, Invitations, 2013). The purpose of the invitation announcements
will be to remind the community of our mobile health preventative services program as well as to inform
the community about our activities.
Advertising Gifts
During our community health fair events,community church and schools events we will be
distributing Silver Benefits advertising gifts such as pens, key chains, stress balls, and men's and women's
T-shirts with our company logo on each item. These medium cost marketing tools will be utilized and
worn by our community with the purpose of creating a positive and memorable experience toward Silver
Benefits and creating brand awareness (Staples,Advertising gifts, 2013).

pg. 14
Radio Announcement
As part of our communication strategy will utilize radio announcement ads to get the word out to
the community approximately one month prior to the initiation of the Silver Benefits program. Silver
Benefits chose the radio over a television ad due to its medium to high cost method form of marketing
communication. This method of communication will keep the direct marketing budget within the
$65,000 range. This effective marketing tool will have a fast and immediate impact on the community as
they will be able to hear information instead of reading paper information, which can sometimes be
viewed as junk mail. The radio ads will be announced over a period of eight weeks and will target the
Northeastern region of Wisconsin. This marketing communication method will help Silver Benefits reach
out to the community by utilizing voice methodology with the purpose of informing and educating the
community about the services being offered by Silver Benefits. According to Theodric Technologies,
figure 12, the top 3 most visited web sites of Wisconsin Stations (via radio-locator) are as follows:
Figure 12.
1. WTMJ 620 AM Milwaukee, WI News/Talk
2. WIIL 95.1 FM Union Grove, WI Rock
3. WRIT 95.7 FM Milwaukee, WI Oldies
(Theodric Technologies, 2013)
Silver Benefits will use the radio station WTMJ-620 AM to communicate to Wisconsin residents
about the program and will also create health awareness in the Northeastern Wisconsin communities. The
following maps below show the radio frequency covered by the WTMJ radio station. The red lines
represent local radio frequency coverage,while the purple and blue lines represent distant and fringe radio
frequency coverage. As we can see by the map below, Silver Benefit's geographic target of the
Northeastern Wisconsin region is covered. Figure 13 represents the daytime coverage while Figure 14
represents the nighttime coverage. The cost for radio advertisement will total $40,000 for eight weeks for

pg. 15
a single-voice radio ad (Strategic Media, 2013). Silver Benefits will begin the radio advertisements one
month prior to the opening day and an additional month after opening day.
Figure 13.
http://www.radio-locator.com/cgi-bin/pat?call=WTMJandservice=AMandstatus=Landhours=D
Figure 14.
http://www.radio-locator.com/cgi-bin/pat?call=WTMJandservice=AMandstatus=Landhours=D
Public Relations
The Director of Communications and Marketing will also serve as our representative of public
relations and will build relationships with the general public, potential customers, employees, donating
organizations and stakeholders, and the government to create a strong,reputable image. Silver Benefits

pg. 16
will promote a dignified public image of our program out in the community and with potential
stakeholders who may be interested in donating funds to our organization.
Events and Experiences
Community events will be intended to promote and market the organization and also to create
positive experiences within the communities targeted. The events will be held in public locations such as
community school events, church events, local parks, and health fairs. In order to educate the public on
their health status and potential risk factors,Silver Benefits will also focus on the following health
screening checks during Health Fair Community Events:
Blood pressure checks
Ideal body weight index check
Blood glucose
Strength and flexibility checks
Community Health Education
Diabetes
Heart disease
Stroke
Cancer
Arthritis
Word of Mouth Marketing
In addition to the community events which will include targeting community churches, and local
schools the Director of Communications and Marketing will also be utilizing word of mouth marketing by
making public speeches to hospital administrators, government stakeholders, as well as local business
administrators whom are interested in donating funds to health organizations. Silver Benefits also
believes that once the community and stakeholders gain our trust, they will become our largest marketing
promoting team as they will eventually spread the word out to other community members and other
potential stakeholders. The key to a successfulword of mouth marketing campaign is being able to create
a positive image and reputation for our organization.

pg. 17
Fundraising and Grants
Silver Benefits estimates an initial need of $2 million to start operations. This money will be used
to secure a location in rural Wisconsin, purchase equipment and supplies, develop an MIS system, obtain
paid and volunteer staff, and secure all necessary licenses and permits. Our goals for fundraising in year
one versus subsequent years is that we will have to take initial set-up, one-time, costs in consideration.
Subsequent years Silver Benefits will primarily use fundraising/grants revenues for sustaining current
levels of operations while patient billing revenues would be directed for research,development and
growth as well as to be used to offset any budget over-runs.
Year One Fundraising
With the goal of $2 million dollars to start Silver Benefits operations, the year one fundraising plan
is as follows:
Give the Green for Silver: Efforts will begin with a pledge and petition campaign. Not only
will this bring in fundraising dollars, this will serve as a marketing strategy by spreading our
name. With this campaign, Silver Benefits would ask potential constituents to show their
support by signing a petition to help their community and offer a pledge of any denomination.
Further they would show their support by spreading the word; forwarding the pledge request
to friends, family and community members for additional support. Give the Green for Silver
would be distributed electronically and on foot; electronically via our website (petition and
pledge link) and email distribution with support of an email marketing company. Finally,
Silver Benefits would ask community members to solicit petition signatures and pledges by
foot and word of mouth, via the old fashioned clip board and conversation method.
Year End Giving Campaigns: Towards the end of the year many community members
search for end of the year donation opportunities to take advantage of federalincome tax
savings. This is the perfect opportunity for Silver Benefits to spread the word in regards to
our services and the benefits to those most deserving. By sharing the belief that donations are
needed, appreciated and will be well used, Silver Benefits could expect to receive a fair
amount of donations in the 4th
quarter.
Sustained Donor Opportunities: Silver Benefits would benefit from sustained donor
contributions. With this type of contribution, donors would guarantee a set amount of
donation each month, charged to a major credit card. Donors would be eligible for end of
year tax breaks and would be considered a “shareholder” from the perspective that they
would get monthly updates of our services in exchange and would be given an opportunity to
share their perspectives of Silver Benefits growth and development.
Kickstarter: Kickstarter (http://www.kickstarter.com) is a website that brings projects or
companies in the works to life for the sake of collecting sponsorships. Since the start of this
site in 2009, Kickstarter has helped to raise over $722 million in funding for over 45,000 new
projects and companies (Kickstarter, 2013). Through the Kickstarter site, Silver Benefits will
develop a site to solicit contributions and sponsors. This site will house a short video and
biography of our company. Sponsors can make their donation directly through the website,

pg. 18
using any major credit card or a PayPalaccount. Kickstarter retains a mere 5% collected for
their services (KickStarter.com,2013).
Silver Sprinters:Silver Sprinters is a 5K run/walk event for the family, which would be
sponsored annually and pledges would be received by participants. A 5K contributes to
community involvement and returns health, fitness and family time, to the community we
serve.
Board of Directors:Each Board of Director would be asked for a commitment of $5,000
each year either through direct contributions or solicited contributions.
Community Events: The first community event would take place in year one. Silver
Benefits would host a wine and cheese event at a near-by community center. Event attendees
will have an opportunity to view a video of our services and take a tour of the Silver Benefits’
mobile unit. Future community events may vary.
Corporate Giving Programs/Sponsorships: Our Community and Marketing Director will
work with neighboring corporations to build corporate giving programs. In a corporate
giving program, corporations would match dollar for dollar any employee received donations.
Corporations raising over $5,000 will become a sponsor and have their name and logo added
to the mobile unit for acknowledgement.
Grants
Finally, Silver Benefits would take advantage of any eligible grants from the State of Wisconsin.
Targeted grants will include:
The RMHC Global Grant which invests in sustainable healthcare solutions that 1) include
implementation of a train the trainer model and 2) improve the health and well-being of
children by creating better access to care for children (The NonProfit Times, 2013).
The Fidelity Foundation Grants which provides up to a $100,000 grant, this money is
employee driven through investments in the Fidelity Investments Matching Gifts to
Education Program. The focus of this grant is for nonprofit organizations specializing in arts
and culture, community development, social services, health and education. (The Non Profit
Times, 2013).
The grant process can be fairly time intensive and can take as much as 10 months from
application to funding. There will also be a very rigorous review process which will include interviews,
site reviews and presentations. The typical process will include planning, writing, submission and peer
review, even before the award process begins.

pg. 19
Stakeholders
Figure 15.
Stakeholder Groups Program Benefits and Marketing
Community Members Community members will be able to benefit from this program by receiving preventative
health care benefits such as health care screenings and education focused on prevention and
maintenance of chronic diseases. The program will bring their services to the community,
which will make accessibility much easier for community members who do not have
transportation to attend such a program. Community members will promote the mission, goals
and objectives of the organization by word of mouth marketing. Community member
comments will reach out to othercommunity members in need of this affordable, accessible,
and quality program.
Board of Directors Silver Benefits Board of Directors will be able to make a significant contribution to the
program as they will be donating their time to help out the program succeed. The Board of
Directors will be able to make decisions about the program to promote the mission, goals and
objectives of Silver Benefits. The Board of Directors will serve as volunteers who will help
by communicating and promoting the program out in the community.
Hospital Administrators Health Care Administrators will benefit from the program because if the program is successful
as evidenced by health care outcome improvements, health care costs will be decreased,which
will mean more profitability for the hospital. As the community becomes more educated
about their health risk factors and current diseases they will be able to manage their health,
which will prevent less frequent visits to the hospital, which will reduce readmission rates.
Hospital administrators will communicate the mission, goals and objectives out to their
patients and family members to market the Silver Benefits program as a means to improve
healthcare outcomes and reduce healthcare costs.
Government As Silver Benefits educates and promotes health care prevention awareness out in the
community, government will ultimately win in the long run as health care spending will be
reduced on chronic diseases. This reduction in health care spending could eventually add up
to millions of dollars in savings if multiple communities eventually improve their health
outcomes. The government will promote the organization by providing funding and assisting
the program with data collection as a way to post data,which will demonstrate how the
program is making healthcare outcome gains
School Administrators School administrators will promote this program because it will have a positive health
outcome in the children they educate. By promoting a healthcare prevention program will
give the schools a positive image in the public's eye. School administrators also understand
that better healthcare outcomes lead to less sick absences and less sick absences lead to better
grades and higher schoolrankings. School administrators will get the word out to parents to
promote or market the program.
SWOT Analysis
Below is a SWOT analysis demonstrating the strengths, weaknesses,opportunities, and threats of
the Silver Benefits organization.

pg. 20
Figure 16.
Strengths Weaknesses
 Community based program
 Funding available
 Market experience
 Mobile Services
 Decrease health care costs
 No insurance necessary
 Small organization
 Likely to be costly
 May need to go outside of community for
additional funding
 Lack of long term commitment from members
 Lack of understanding of the program by
community members
 Unknown organization
Opportunities Threats
 Educate and influence the community
 Project may improve community health
outcomes
 Will promote health awareness
 Project will improve organization's public
image
 Community members may not want to change
their health habits
 Lack of funding if no progress is made
 Health outcomes do not improve
Strengths
Community based preventative health program targeting the poor and uninsured or underinsured.
As with any initial program there are initial startup costs,which will be great.
With the Affordable Healthcare Act in place there is now a great opportunity to seek government
funding for preventative medicine type programs, which is designed to help lower health care costs,
improve health outcomes, and increase accessibility.
Mobile preventative health program will come to the targeted communities instead of the community
having to travel to one location.
Our program will assist local hospitals by keeping their healthcare costs down.
No insurance necessary as we will only be billing Medicare and Medicaid.
Weaknesses
Small organization with lack of resources initially, but will eventually grow as health outcomes
improve in the community.
May have to go outside the community to obtain funding as our target community will be in a rural
area with the majority of the population known to be poor, underinsured or uninsured.
Will need a long term commitment from the community in order to fully assess progress.
Lack of understanding by the community on what a preventative health program is and how they can
benefit from it.
We will need a strong communication and marketing plan in order to gain a strong reputation as
leaders in the community and to gain community member confidence.
Opportunities
There will be a great opportunity to educate and influence the community on the most common, costly,
and preventable of all health problems in the U.S. The following Chronic Diseases are as follows
(Centers for Disease Control and Prevention, 2013):
 heart disease
 stroke
 cancer
 diabetes
 arthritis

pg. 21
Silver Benefits will improve health outcomes by promoting preventative health care with the opportunity to
educate and influence the community on the following modifiable health risk behaviors such as:
 Lack of physical activity
 Poor nutrition
 Tobacco and alcohol abuse
Silver Benefits will gain a positive reputation out in the community as soon as there is positive data
demonstrating that the preventative health care program is actually working.
Threats
Community members may be reluctant to change their nutrition and exercise habits and no real
progress may be made. There is always that risk that we can educate and motivate the community, but
it will be up to them to actually make the necessary changes on their own.
Lack of funding especially if there is no progress made. If no significant progress is made funding
organizations may want to pull their money and invest it elsewhere.
Operations
Silver Benefits Mobile Health Care Unit
Silver Benefits mobile office is equipped with a lift-gate for wheel chair accessibility, exam table,
lab area which is equipped with a bathroom, sitting area,office area equipped with filing cabinets. Please
see the Appendix for additional photos of the mobile unit (Crestline, 2013). Through a partnership with
the local hospital and clinics the mobile office will primarily be located at Aurora Healthcare
Marinette/Menominee Clinic in Wisconsin; one of our healthcare partnerships, but the mobile office can
be at any number of Aurora Healthcare clinics throughout our targeted population area when not in use.

pg. 22
Silver Benefits main target population is the Northeastern Region of Wisconsin, rural counties that
includes Florence, Forest, Marinette, Menominee, and Oconto. As the business grows, other regions will
be added per our financial ability to serve these other regions and their communities.
Silver Benefits will operate from a schedule to ensure that each targeted community gets equal
access to our mobile services. A medical doctor will oversee our operations but will only be onsite one
day each week; a state licensed and credentialed nurse practitioner will be responsible for day to day care
for our clients. Local medical and nursing students will provide auxiliary support for the nurse
practitioner. There will be continued communication with other medical professionals at hospitals and
clinics in the area,should there be a need for escalated support for a client’s care and/or treatment plan.
Silver Benefits will arrange for emergency transport to hospitals should the need arise. While onboard
the bus; clients will receive blood pressure checks,glucose monitoring, heart and lung checks and other
necessary lab services.
Milestones, Assumptions and Dependencies
Based on the following assumptions and dependencies, Silver Benefits plans to be operational by
1/3/2014:
Assumptions:
Silver Benefits will operate from a Mobile Health Unit.
All medical equipment will be purchased.
Silver Benefits will lease an MIS software application through NewOrg.
Silver Benefits will not require any customization from NewOrg.
Silver Benefits will access NewOrg from a client/server environment and will therefore require two weeks for
implementation.
Silver Benefits will employ a Nurse Practitioner, a Medical Director and a Mobile Health Unit Driver. All other
“staff” will be volunteers.
Silver Benefits will meet all local and federal requirements for a nonprofit charitable organization.
25% of the Silver Benefits year one budget will come from fundraising
75% of the Silver Benefits year one budget will come from grants.
Dependencies:
Grants will be approved and money will be received timely.
Fundraising will be efficient, effective and profitable.
Partnership will be formed with places of worship, community businesses and places ofeducation.
Silver Benefits will be approved for Medicare/Medicaid.
NewOrg being in place day one of operations.

pg. 23
Milestones/Timeline
July August September October November December January
Silver Benefits Concept
Complete Business Plan
Complete Federal Licensing Requirements
Complete State Licensing Requirements
Obtain Mobile Health Care Unit
Mobile Health Care Unit Operational
Medicare/Medicaid approved
Submit Grant Applications
Fundraising
Medical Director Hired and Trained
Nurse Practitioner Hired and Trained
Medical Policy Set
Clinical Volunteers Hired and Trained
Mobile Health Care Unit Driver Hired and Trained
Laboratory set up and operational
NewOrg installed and operational
Silver Benefits Ready for Business
Month
Milestone Identifier
State and Federal Licensure Requirements
State Requirements
The first step for our organization is to complete an Articles of Incorporation (AoI) with the State
of Wisconsin. With the AoI, Silver Benefits will register the Silver Benefits name and file for two
licenses; 1) a licensed PersonalCare Agency, a freestanding license, and 2) a license for a rural health
clinic (Wisconsin.Gov, 2013). These licenses are both necessary for Silver Benefits to bill Medicare and
Medicaid for services rendered. As well, both licenses will offer better opportunities for grants. As a
result of the Rural Health Clinic Act of 1977 a rural health clinic may be freestanding, standalone, or
mobile units; further, rural health clinics may be independent or provider based (Wisconsin.Gov, 2013).
Both licenses will allow Silver Benefits to operate in the State of Wisconsin and both licenses will remain
in force until revoked or the business voluntarily closes. There are no Wisconsin Statutes,Administrative
Rule(s) or Code(s) that apply.
Federal Licensing Requirements
Silver Benefits will be organized and operated for the sole purpose of providing charitable
services to the rural communities we serve. As such, Silver Benefits will operate under the IRS section
501(c)(3), federally tax-exempt status. Because of this, Silver Benefits will not give any assets to any

pg. 24
member, director, or agent of the organization. Silver Benefits will have paid and volunteer staff; paid
staff will receive reimbursement for their time and services per federal and state labor law.
Joint Commission
The Joint Commission (JACHO) is an independent, not-for-profit, organization that accredits and
certifies more than 20,000 health care organizations and programs in the United States. Joint
Commission accreditation and certification is recognized nationwide as a symbol of quality that reflects
JACHO certified organizations (The Joint Commission, 2013). Silver Benefits will be JACHO
accredited, to demonstrate to the community and its stakeholders that the organization is dedicated to
providing high quality care and high standards to the patients they serve. Silver Benefits will follow the
Primary Care Center Joint Commissions standards for accreditation (The Joint Commission, 2013). The
Joint Commissions survey will be conducted initially and every three years thereafter. The Joint
Commissions survey will consist of staff competency reviews, employee HR file reviews to include a
mandated TB screening completed on each employee, mobile health van inspection to ensure that the
mobile van meets all of the health code regulations including OSHA and the Department of Health
Services with the emphasis of infection control and handling of blood borne pathogens. The survey
review will also consist of ensuring that the mobile van has a designated area for screening patients, a
designated area for performing blood work (i.e. glucose monitoring), and ensuring that all HIPPA
guidelines are followed. The Joint Commissions will place a large emphasis on the review of policies and
procedures to ensure that the staff understands what their role is with respect to caring for patients, patient
safety,patient rights, and community services being provided. Silver Benefits policies and procedures
will be reviewed and signed off by the Medical Director initially and annually thereafter. (The Joint
Commission, 2013)
Medicare and Medicaid
The Department of Health and Human Services defines a Rural Health Clinic (different from the
US Census Bureau) as “facilities that are engaged primarily in providing outpatient services that are

pg. 25
typically furnished in a physician’s office.” (Center for Medicare and Medicaid Services, 2013) In order
to be a licensed Medicare and Medicaid Provider through the Center for Medicare and Medicaid Services,
a rural health clinic must meet severalqualifications. These qualifications include general requirements,
location requirements, staffing and service requirements.
General requirements
Arrangements with one or more hospitals to furnish medically necessary services not available at the
clinic.
Be able to treat emergencies.
Must meet all state and federal health regulations.
May not be a primary treatment center for mental health
Location requirements
Must be located in a non-urban area as defined by the US Census Bureau.
And must be in an area certified as a one of 4 shortage types by the DHHS within the last 4 years .
 Geographic Primary Care Health Professional Shortage Area (HPSA)
 Population group Primary Care HPSA
 Medically underserved area (not medically underserved population) or
 Governor-designated and DHHS Secretary-certified Shortage Area
Mobile clinics must have a set location schedule specifically stating dates and times of services
provided at each area.
Each service location must meet the above requirements
Staffing requirements
Employ a nurse practitioner or physician’s assistant.
Have the nurse practitioner or physician’s assistant in the facility during all times of operations.
Must be available to provide medical care 50% of operation times.
Service requirements
Directly perform routine diagnostic and laboratory services
Must perform, on site: chemical examination of urine, hemoglobin or hematocrit, blood sugar,
examination of stoolfor occult blood, pregnancy tests,primary cultures for transmission to a certified
lab.
Influenza, pneumococcal, and hepatitis B vaccinations
Initial Preventative Physical Exam (IPPE)
Annual wellness exam
Preventative services grade A or B per patient as recommended by United States Preventative Services
Task Force.
Silver Benefits will be in compliance with these requirements and will therefore be awarded with
the privilege of being designated as a Medicare and Medicaid certified provider. Once our organization is

pg. 26
Medicare certified, the Director of Operations and Medical Director will annually report on our
organization’s compliance with agency regulations (Center for Medicare and Medicaid Services, 2013).
Qualified Participants to Silver Benefits Program
Silver Benefits will not turn anyone away. Our program will be structured to allow individuals
with little or no income to be able to participate in the program. The services offered at Silver Benefits
will not only help prevent health conditions that could be eliminated or made better over time through
lifestyle changes, regular doctor visits, but even more important is healthcare education, something we all
can benefit from.
We are targeting individuals who reside in and nearby rural communities of Northeastern WI.
This would include:
Individuals and families residing in rural communities of Northeast WI and othersurrounding rural
communities
Individuals and families with little or no income and meet our income requirements per household,or
our sliding fee income requirement per household
Individuals and families with no insurance, inadequate health insurance coverage, or on Medicare or
Medicaid
Individuals with their families who do have employee sponsored health insurance
Individuals or family member(s) who are chronically ill or disabled
Individuals and families with no means of transportation
A sliding fee scale will be established for individuals whose income is above our target area
income level to qualify for the program. If the individual’s income surpasses our income limits to
receive discounted services we will still see them but their visit may come with a higher cost. Primarily
we are trying to reach out to those who are unable to receive quality healthcare,unable to get to their
appointments, and do not have any income or insurance. These are individuals whose health is or will
fail if they do not become more proactive about their life and their healthcare.
Services Offered
Preventive Healthcare
Silver Benefits will provide preventive healthcare and healthcare education services. Preventive
care can be as simple as going to regular physical check-ups or follow up visits due to changes in your
health that the physician deems important enough to be rechecked as a precaution. Preventive care is also

pg. 27
considered lifestyle changes that improve your quality of life, helps to prevent illnesses, and helps keep
you healthy. Beyond regular check-ups Silver Benefits will also provide laboratory services, such as;
cholesterol, diabetes, cancer screenings,sexually transmitted diseases,pregnancy, and any other tested as
determined, to be necessary, by the nurse practitioner. Residents will also be able to get blood pressure
testing, heart monitoring, glucose testing, and any other type of service provided at a primary care facility.
Preventive care is a need in all communities, but in rural areas it is harder for residents to obtain
healthcare services due to a lack of healthcare facilities in their communities, little or no income, and
transportation.
Healthcare Education
Silver Benefits goal is to educate every individual about the benefits of healthcare,taking care of
themselves’, and the importance of regular doctor visits. Many times individuals do not seek healthcare
services because they do not understand the importance of keeping regular yearly or monthly visits to
their doctors. They don’t understand how a small lifestyle change like eating healthier, getting exercise
can make a difference in keeping your weight under control, feeling more energized, or looking less tired.
A yearly checkup gives you and your doctor an idea of your present health condition. Without proper
education of healthcare in general, their healthcare primarily, the patient may take doctors direction
lightly. Through healthcare education the patient will gain valuable information about financial options
in paying for healthcare. Healthcare education is not just for the doctors, nurses, and medical staffs. It is
for the consumer who has the right to be proactive about their overall health and healthcare needs.
Performance Indicators
Performance Indicators
75% Medicare patients provided services per year
80% Medicaid patients provided services per year
$250,000 Medicare payments received per year
$250,000 Medicaid payments received per year
12 workshops per year for diabetes
12 workshops per year for heart disease/stroke
12 workshops per year for arthritis
12 workshops per year for cancers
100% of children in poverty 0 – 2 years receiving flu shots

pg. 28
100% of children in poverty 2+ - 7 years receiving flu shots
100% of children in poverty 7+ - 12 years receiving flu shots
100% of seniors in poverty receiving flu shots
$500,000 received from individuals and clients
$1,500,000 received from corporations, foundations, and grants
90% each dollar donated directly used to provide services
0% of patients billed for services
25 volunteer medical students
1 paid bus drivers
30 volunteer nursing students
Average yearly driver salary $20,800
6 counties in service area
15 People utilizing services weekday mornings
25 People utilizing services weekday afternoons
20 People utilizing services Saturdays
2 medical providers
30 licensed volunteer medical providers working in Silver Benefit facilities
50 medical providers working with Silver Benefits in their facilities
82,000 patients provided services annually
15% bonus to executive staff for audit bonuses
5 employees receiving audit bonuses
$41,540 rural bonus’ given per year
4 audit successfully completed
10% reduction in patients with heart disease yearly
8% reduction in patients with diabetes yearly
5% reduction in patients with cancer yearly
15% reduction in patients with debilitating arthritis yearly
Management Information System
Management information systems are regularly used and integrated with transaction systems that
process transactions. To process a patient being seen, for example, the transaction processing system
records the services that are provided, updates the patient’s account balance if they are Medicare or
Medicaid, and deducts supplies that are used from inventory to conduct the appointment. This
information can be related to the management information system that can produce reports that will recap
daily appointments and activities. It can give us data on how many patients are being seen and capture
information on the providers that are providing the service. The system can also generate a list of patients
who made appointments, but did not show. The focus of our management information will be to
generate information that we can use to manage the day to day operations of providing our service.

pg. 29
Silver Benefits’ chosen MIS is NewOrg Management system. The NewOrg management system
is designed to provide not for profit organizations (NPOs) with a central and comprehensive data
repository for all aspects of operations. They offer a simple to use interface and fast and flexible
customization and reporting. With NewOrg we can tackle our data management issues while improving
productivity, communication, fundraising efforts and reporting accuracy and efficiency.
NewOrg is a web based system which will allow us to have users in multiple remote locations,
and elsewhere,securely accessing and sharing information. All records,medical and financial, will be
stored on NewOrg’s servers. Therefore,Silver Benefits’ system will be a paperless system enabling us to
save on storage space and recording expenses. The system is usually hosted on the NewOrg server,so we
do not have the concern or worry about purchasing hardware for servers,back-ups, IT infrastructure, or
security. However, Silver Benefits will have to invest in computers for our staff to be able to access those
records. We have chosen the HP Envy x2. These computers are portable touchscreen tablets that connect
into stationary keyboards. This will allow staff to easily transport and enter information per patient,
moving as the patient moves through the mobile unit. NewOrg is a secure and a HIPAA
compliant system with full audit trails and very flexible permissions management so that users only see
data that is appropriate for them to view (NewOrg,2013).
One of the challenges with running a not-for-profit organization is managing the donors and
funds. Accountability is essential for non-profits and we believe that the health of a non-profit
organization is directly tied to how well the funds are being used. in agreement Non-profits assistance
Fund states,"To help donors, creditors, and others in assessing an organization's service efforts, including
the costs of its services and how it uses resources,financial statements shall provide information about
expenses reported by their functional classification such as major classes of program services and
supporting activities." NewOrg offers the features that would improve on accountability of funds.
Not-for-Profits are finding challenges in being able to capture their performance as it relates to
how well the companies are doing and how to be more effective. The challenges come from balancing

pg. 30
needs and requirements of internal and external stakeholders. In agreement, (Schwartz, 2009) states,“All
levels of government and types of foundations that fund nonprofits are increasingly adding more
complicated accountability requirements into their grants and contracts. Although nonprofits have
historically been responsible for reporting on how they use their resources,the accountability
requirements have become more complex over the past severaldecades. This change is related to: 1)
government agencies viewing contracts as public investments that have contractualobligations (Hatry,
1997; Poole, Nelson, Carnahan,Chepenik, and Tubiak, 2000; Lindgren, 2001; McBeath and Meezan,
2006) and 2) private foundations seeking a return on their investment in the form of financial and
program accountability (Benjamin, 2008; Easterling, 2000; Ritchie and Kolodinsky, 2003; Tassie,
Murray, Cutt and Bragg, 2000). Nonprofits also experience internal pressures to demonstrate
accountability and effectiveness from board members who often reflect the perspectives of the business
community in terms of measuring outcomes (Buckmaster, 1999; Newcomer,2008).
Communications Technology
Hughes 9450-C11 BGAN Mobile Satellite Terminal:
Silver Benefits will require internet service for internal and external communications. We
selected the Hughes 9450-C11 because it is budget-friendly and a highly competitive mobile terminal that
is ideal for the Silver Benefit mobile healthcare facility. The Hughes system will provide the hardware
for our video, voice and data usage, simultaneously. Silver Benefits is acquiring Hughes Broadband
Satellite IP terminal and WLAN (Wi-Fi Hot Spot) for data and phone connections. We will be able to
connect at IP broadband speeds of up to 464 kbps even while the RV is in motion. The Hughes 9450-C11
terminal is fully approved for operation on Inmarsat’s Broadband Global Area Network (BGAN) satellite
service and provides high performance, on-the-move connectivity for the most demanding environments.
The Hughes 9450-C11 is Wi-Fi, but also has four (4) Ethernet ports with Power over Ethernet (PoE) that
will allow our users to connect multiple devices. The terminal supports analog and ISDN circuit switched
voice calls, along with fax and 64 kbps ISDN data. The 9450 is a compact antenna that includes

pg. 31
integrated wireless access. We simply turn it on for broadband internet and phone service whether on the
move or parked (Ground Control, 2013).
eSilverBenefits
The Silver Benefits Website http://esilverbenefits-com.webnode.com/
The Silver Benefits website enables Silver Benefits to be open to the world 24/7 365 days a year.
This enables anyone with an internet connection to locate information about our business during the times
that are outside of our regular office hours. Another benefit is that we can utilize the website as a
recruiting tool for volunteers, employees and staff. In addition, our website also enables us to reach out
globally to prospective donors and it can enhance how we deliver customer service by providing
frequently asked questions directly on the website. Finally, presenting a website in this day and age is
expected practice among most organizations. Our potential customers will automatically assume that we
have a website and it can go a long way in promoting Silver Benefits.
Human Resources
Perhaps the most significant trend in the targeted rural counties of Wisconsin, which would most
impact Silver Benefits from recruitment, training perspective and business plan analysis perspective, is
that Silver Benefits will serve a diverse community which is comprised of a high population of African
Americans, Hispanics, and Native Americans in the northeastern region of Wisconsin. Silver Benefits
will want to embrace diversity when making resourcing decisions. Silver Benefits will be uniquely tuned
into the needs of rural Wisconsin communities. For example, it is typical for community members in the
rural area to enjoy a slower paced lifestyle and to hold true and firm to family values; however, Silver
Benefits staff may not enjoy the benefits of a 9-5 Monday – Friday job; this is a staffing risk for our
organization, as such work/life balance may be a factor in the early years. Our targeted recruit will be
someone who can be flexible to the work demands of an organization dedicated towards serving the
community. Of additional consideration for the overall success of Silver Benefits is knowledge of the
community and the community values; we would place the success of our organization at risk, if the team

pg. 32
recruits a nurse practitioner and/or medical director that is not familiar with the communities in which the
organization will serve and/or does not have a good reputation/standing in the community. Silver
Benefits could expect an added learning curve as these resources familiarize themselves with the diversity
of our community. In response to this analysis; Silver Benefits will first recruit from our targeted
demographic counties.
Silver Benefits training policy will include a bi-annual human resource assessment; gaps will be
addressed through recruitment, training, staff to client ratio adjustments, and competitive market
adjustments. The purpose of this assessment is to identify new skills, knowledge, competencies, market
value, and possible organization structure opportunities, necessary for serving our community. The
purpose of this bi-annual assessment is to ensure that Silver Benefits can best answer the following
questions:
Is our staffing model best equipped to handle the growing needs, demands and
challenges of our clients”?
Will our staffing model work if the organization were to expand?
Does our Human Resources business model and strategy need to be revitalized?
Does our Human Resources model align with the direction of the organization?
Realizing that satisfied and engaged staff members are productive, efficient and our
best advertising; our Silver Benefits staff (paid or volunteer) satisfied and engaged?
Training
Every employee will undergo mandatory diversity training which will be given at time of initial
hire and/or at any given time Silver Benefits foresees a need for it. A refresher session will be given
annually. New employees will also undergo an introduction training session that will cover the
organizations business ethics, the mission, vision and expectations of the company, the operations
process,the various departmental functions, and whom to report to depending on what job the employee
holds. Annually employees (paid or volunteer) will be certified on HIPAA and OSHA compliance.
OSHA
Silver Benefit employees and staff are required to attend annual training and receive certification
for Occupational Safety and Health (OSHA). The purpose of OSHA training is to provide the employers,

pg. 33
employees and staff with training on the recognition, avoidance, abatement, and prevention of safety and
health hazards in workplaces. OSHA training will first be given during orientation and then annually to
employees. Each employee will be required to sign off that they received the training. Silver Benefits
has selected OSHA Education Center (OSHA Education Center, 2013) as our online training provider.
The OSHA Education Center covers regulations that are vital to our industry and are backed by the
American Safety Council.
HIPAA
The Health Insurance and Portability Accountability Act (HIPAA) was created to protect people
and their private information. Health care workers have considerable access to patient’s information,
including diagnosis like HIV. Individuals have the right to visit healthcare facilities without the fear of
disclosure of their private and confidential information. As stated by (HHS, 2013), “The HIPAA Privacy
Rule provides federalprotections for individually identifiable health information held by covered entities
and their business associates and gives patients an array of rights with respect to that information. At the
same time, the Privacy Rule is balanced so that it permits the disclosure of health information needed for
patient care and other important purposes.” (HHS, 2013).
There are many guidelines with regards to HIPAA and Silver Benefits will conduct frequent
HIPPA trainings to ensure that all employees have the knowledge and training required to comply with
HIPPA regulations.
Training Frequency
All Silver Benefits staff, paid or volunteer, will receive annual OSHA and HIPPA training. Each
employee will be required to pass a certification test, for each, with a grade of 90% or better. Regular
OSHA and HIPPA updates will also be emailed to staff in order to keep up with the changes that occur
during the interim of OSHA and HIPPA training sessions. HIPPA Training sessions will be conducted
online at HGMY HIPPA Training Group (The HIPPA Group,2013).

pg. 34
DiversityPolicy
Silver Benefits will include the following policy as an official HR policy and training.
Employees, whether paid or volunteer, will be expected to sign as confirmation that they have received
this policy. This policy has been adapted from the Society from Human Resource Management
guidelines on creating a diversity policy (Society for Human Resource Management,2013).
The Diversity Policy Shall Read
Silver Benefits is committed to fostering, cultivating and preserving a culture of diversity and inclusion.
At Silver Benefits, our human capital is the most valuable asset we have.We are a community based non-
profit company; the basis forourcompany is the communities we serve,regardless of age,race, religion
or sexuality. The collective sumof our employees, volunteers and clients, unique capabilities, represents
a significant part of ourculture. We are a company built for our diverse communities.
We embrace and encourage differencesin age, color,disability, ethnicity, family or marital status, gender
identity or expression, language, national origin, physical and mental ability,race, religion and sexual
orientation regardless of socio-economic status,veteran status, and any other characteristics that might
make our employees,volunteersand/or clients, unique. At Silver Benefits,we truly are grateful for the
dynamics that make our community,ourcommunity.
The Silver Benefits diversity initiatives,for paid employees and volunteers, are applicable,and not
limiting, to our policies and practices for recruitment,selection, compensation and benefits, professional
development, and the ongoing development of a work environment built on the premise of gender and
diversity equity that encourages and enforces:
 Respectful communication and cooperation between all employees, whether paid orvolunteer.
 Teamwork and participation, whether paid or volunteer.
 Work/life balance recognition for all and where possible, whether paid or volunteer.
 Contributions to the communities we serve to promote a greater understanding and respect for
the communities we serve.
All employees, whether paid or volunteer, of Silver Benefits have a responsibility to treat each other, our
community members and clients with dignity and respect,at all times. All employees,whether paid or
volunteer, are expected to exhibit a professional and respectful, conduct during work hours, work
functions,whetheron oroff site.Outside of work hour’s employees,whether paid or volunteer,are
expected to give kind consideration to themselves, their families and the communitiesthey serve, always
representing themselvesand Silver Benefits, to the best of their abilities.
Any employee, whether paid or volunteer, found in violation of this policy will be immediately separated
fromthe company.

pg. 35
Employees, whether paid or volunteer,and clients who believe that they have been subjected to any kind
of discrimination which may conflict with this policy should immediately seek assistance fromany
company officer.
(Society for Human Resource Management, 2013)
Organizational Structure
Board of Directors
The Silver Benefits Board of Directors will be comprised of respected community members
representing a variety of backgrounds, such as medical staff, educators, financial advisors, legal and
marketing staff members. The Board of Directors will serve as an advisory board to the organization, but
will also be directly involved in leading organizational committees, reporting directly to the Board of
Directors, which will consist of the following:
Fundraising Committee: The purpose of the Fundraising Committee will be to raise money and
provide services needed to carry out the mission of the organization.
Budget and Finance Committee: The Budget and Finance Committee will be responsible for
assessing the financial impact on all financial activities as well as budgeting for future projects as
requested.
Nominating/Volunteer Committee: The Nominating/Volunteer Committee will be responsible for
recruiting volunteers and nominating community members. The selected members will then be
selected to work for a dedicated committee.
Program Committee: The Program Committee will be responsible for the program content of the
quarterly meetings.
Medical Director: The Medical Director will review and approve medical policy, performance
indicators and will follow all expectations of the board representative of a 501(c)(3).
Executive Team
The organization will have a total of five directors which will make up the Executive Team of the
organization. The Executive Team will consist of the following:
The Director of Operations will be involved in managing the day to day operations of the
organizations. These responsibilities will include managing patient Medicare accounts. The director
will also provide on-site leadership over assigned functions,staff, projects and daily operations to
include oversight of the organization's Management Information System.
The Director of Finance will be involved in the strategic financial decision making and financial
operations of Silver Benefits Organization. The Director will review all financial planning, budgets
and will assess progressand changes. In addition the director will keep the Executive Team, Medical
Chief of Staff, and the Board of Directors informed of the organization’s financial status.
The Director of Communications and Marketing will be responsible for the strategic development
and communication of marketing responsibilities to include developing marketing strategies and plans,
marketing research, building strong brands and customer relationships, communicating the value of the
organization, and creating long term growth. The director will keep the Executive Team, Medical
Chief of Staff, and the Board of Directors informed of the organization’s marketing status.

pg. 36
The Director of Human Resources will be responsible for the strategic planning, design and
development of the organization's policies, staffing, compensation, benefits, training and development,
and labor relations. In addition the director will ensure that all employees maintain state licensure
requirements, competency reviews, and all regulatory requirements are up to date.

pg. 37
Medical Staff Positions
The Medical staff will consist of the following positions:
Medical Director: The Medical Director will have direct oversight of all clinical staff including all
nursing, medical staff, and students. This position will maintain close communication between the
medical staff and administration to ensure high quality in patient care and quality. This position will
also be responsible for meeting all medical regulatory requirements.
Nurse Practitioner Staff: Nurse Practitioner Staff will provide medical services to include;
prescribing medications, diagnosing, prescribing treatments, consultations,and educating the
public/patients on health prevention awareness.
Medical and Nursing Students: Will assist the Registered Nursing and Nurse Practitioner staff
Mobile Health Care Unit Driver: The mobile health care unit driver will be responsible for driving
the mobile health care unit to each site, maintaining the vehicle and providing administrative support to
the Nurse Practitioner as requested. The mobile health care unit driver will report directly to the Nurse
Practitioner.
Organizational Structure
Board of Directors
Executive Team
Fundraising
Committee
Program
Committee
Budget & Finance
Committee
Nominating &
Volunteer Commitee
Director of Finance
Director of
Operations Director of
Communications &
Marketing
Medical Director
Nurse Practitioner
Mobile Unit Driver
Volunteer
Medical Student
Volunteer
Nursing Student
MIS Manager

pg. 38
Medical Director Job Description
Job Title: Medical Director Job Category: Medical Staff
Department/Group: Silver Benefits Mobile Unit Job Code/
Req#:
001
Location: Northeastern Wisconsin Travel
Required:
Monthly Site Visits
Salary Range: $95,000 - $110,000 Position Type: Part-Time
HR Contact: Annette Pearson Date posted: August 16, 2013
Will Train
Applicant(s):
No Posting
Expires:
September 16, 2013
External posting URL: www.silverbenefits/jobs.com
Internal posting URL: www.SBWorknet.net
Applications Accepted By:
FAX OR E-MAIL:
(919)609-1298 or Annette.Pearson@SilverBenefits.com
Attention: HR/Position 001 Medical Director
MAIL:
Annette Pearson
Silver Benefits Human Resources
1234 This Street
Durham, NC 27705
Job Description
ROLEAND RESPONSIBILITIES
Main functions of the Medical Director at Silver Benefits, are:
 Holds the senior medical administrative position in Silver Benefits.
 Responsible for a number of activities related to the delivery of medical care and clinical services, in the
rural mobile health setting,such as cost management, utilization review, quality assurance,and medical
protocol development.
 Oversees the activities of the clinic Nurse Practitioner and/or Physician Assistants,including the recruiting
and credentialing processes.
 Reports to the Board of Directors for Silver Benefits. The Medical Director is expected to attend all Board
of Director meetings.
 Develops and manages the medical staffing and operations budget.This includes presenting the
presentation of medical financial reports to the Board of Directors.
 Sets guidelines for Medical Care.
 Sets clinic medical parameters.
 Monitors quality and appropriateness of care.
 Provides guidance and leadership for performance guarantees.
 Oversees the clinic peer review process.
 Oversees documentation and care planning.
 Handles clinic quality concerns and complaints.
 Addresses emergency issues.
 Sets guidelines for and supports ongoing education ofclinical staff.
 Manages clinical community relations.

pg. 39
 Will provide direct patient care one week each month.
QUALIFICATIONS AND EDUCATION REQUIREMENTS
 Graduation from an accredited schoolof medicine is required.
 Current Wisconsin state license is required.
 Current certification in family and rural medicine is preferred.
 Current DEA license is required.
 Administrative experience as a clinic or family practice physician in implementing community programs is
preferred but not required.
 Supervisor experience is required.
 Must be able to obtain admitting rights at local hospitals.
 Must be able to meet all Medicare and Medicaid credentialing requirements.
 Desired: A minimum of 2 years of Medical Director experience.
 Preferred: A minimum of five years of practice or clinic experience.
 Preferred: Bi-lingual in Spanish and English.
Reviewed By: President, Lore Nusser Date: August 16, 2013
Approved By: Board of Directors Date: August 16, 2013
Last Updated By: Date/Time:
(Norfolk Community Health Care Cliic, 2013)
(MGMA, 2013)

pg. 40
Nurse Practitioner Job Description
Job Title: Nurse Practitioner Job Category: Medical Staff
Req#:
002
Required:
Will travel on Mobile Unit
Salary Range: $75,500 - $90,500 Position Type: Full-Time
Will Train
Applicant(s):
No Posting
Expires:
September 16, 2013
External posting
URL:
www.silverbenefits/jobs.com
Internal posting
URL:
www.SBWorknet.net
FAX OR E-MAIL:
Attention: HR/Position 002 Nurse Practitioner
MAIL:
Annette Pearson
1234 This Street
Durham, NC 27705
Job Description
ROLE AND RESPONSIBILITIES
Main functions of the Nurse Practitioner at Silver Benefits, are:
The Nurse Practitioner at Silver Benefits will provide specialized nursing services under the direction of the medical
director; specialized services will include preventive screening, physicals,primary care and educationalservices.
This position requires an independent and driven licensed worker that can make considerable medical judgment to
determine the appropriate procedures for the rural patient’s needs.This position requires an advanced level of
competency in nursing, a Nurse Practitioners license and prescription privileges. The Nurse Practitioner will provide
guidance to the nursing assistants and mobile unit driver.
Further this position will:
 Obtains and records the patient’s health history and performs a comprehensive physicalassessment.
 Diagnoses,treats and plans appropriate health care for clients and refers clients to outside agencies.
 Provides and prescribes medications within area of specialty.
 Performs laboratory procedures and interprets lab test results.
 Provides group, individual and community education classes.
 Establishes and maintains patient’s electronic medical records.
 Thorough knowledge of nursing techniques and procedures is a must. This includes; medical and lab
equipment, testing procedures and medication.
 Must be an independent worker; must be able to communicate effectively, both verbally and in writing.
 Must be proficient in diagnostic procedures,preventative screenings and drug therapy for treatment of

pg. 41
medical conditions.Must also be proficient in use of medical and laboratory equipment.
 A BSN from an accredited schoolof nursing is required.
 Must hold a Master’s degree in nursing and have completed a Wisconsin acceptable Nurse Practitioners
program.
 One year’s experience in a clinic setting is preferred, but not required.
 Must be licensed by the State of Wisconsin as a Registered Nurse and certified as a Nurse Practitioner.
 Must have DEA prescription privileges.
 Must hold a valid Wisconsin driver’s license.
 Supervisor experience is required.
 Preferred: Bi-lingual in Spanish and English.
Physical Demands:
 Must be able to perform tasks involving physical activity.
 Must be able to lift up to 50 pounds.
 Must be able to deal with daily stress.
(Waterfall Clinic, 2010)

pg. 42
Mobile Health Care Unit Driver Job Description
Job Title: Driver Job Category: Administrative
Req#:
003
Required:
Will travel on Mobile Unit
Salary Range: $10 - $14.80/hour Position Type: Full-Time
Will Train
Applicant(s):
No Posting
Expires:
September 16, 2013
External posting
URL:
www.silverbenefits/jobs.com
Internal posting
URL:
www.SBWorknet.net
FAX OR E-MAIL:
Attention: HR/Position 003 Mobile Unit Driver
MAIL:
Annette Pearson
1234 This Street
Durham, NC 27705
Job Description
ROLEAND RESPONSIBILITIES
Main functions of the Mobile Unit Driver at Silver Benefits, are:
This position will be responsible for driving the Mobile Healthcare Unit to and from desired locations and once
there will be responsible for maintenance of the unit and assisting the Silver Benefits nursing staff with any needed
tasks.
Further this position will:
 Transport, set up, and maintain supplies and equipment in a state of readiness to ensure appropriate
quantities of supplies and good working order of equipment.
 Load and unload the vehicle.
 Maintain all required paperwork to document DOT compliance.
 Function as a member of the Silver Benefits team and provides assistance where needed.
 Maintain positive public relations at all times.
 High School Diploma or GED
 Valid Wisconsin drives license with CDL, class B.
 Must have a good driving record.
 Must be self-sufficient and driven.
 Must be able to take direction and work independently.

pg. 43
Physical Demands:
 Must be able to perform tasks involving physical activity.
 Must be able to comfortably be able to lift up to 75 pounds.
 Must be able to deal with daily stress.
 Must be able to comfortably push up to 75 pounds.
(American Red Cross, 2013)

pg. 44
Conflict of Interest Statement
Silver Benefits will uphold the following Conflict of Interest policy and put forward the policy in
the following statement. This statement will be provided annually with written confirmation of receipt
and understanding. This policy/statement has been adapted from a sample conflict of interest statement
published by the IRS (IRS.gov, 2013).
The Statement Shall Read
Purpose: The purpose of the Silver Benefits Conflict of Interest Statement is to protect the Silver Benefits
organization (herein referred as,“organization”) when entering into a transaction or arrangement that
might benefit the private interest of an officer or director of the organization. Further this statement will
serve the purpose of protecting the organization fromany employee, whether paid orvolunteer, from
engaging in otherinterests that may be in conflict with SilverBenefitsand to protect SilverBenefits from
any employee, whether paid orvolunteer, fromreleasing any private information.
Definitions:
1. Interested Person: Director, Board of Director, Principal Officer, Committee Member,Paid Staff
or Volunteer,regardless of whether or not the interested party has direct orindirect financial
interest.
2. Organization: Silver Benefits
3. Entity: Silver Benefits
Financial Interest: A person has financial interest if the person has, directly or indirectly, through
business,investment or family:
 An ownership or investment in the organization.
 A compensation arrangement with the organization or an interested party.
 A potential ownership orarrangement.
Compensation will include direct or indirect payment along with substantial gifts and/orfavors. A
financial interest is not necessarily a conflict of interest unless the person who has the financial interest is
determined by the Board of Directorsto have a conflict of interest.
Procedures:
1. Duty to Disclose: An interested party must disclose the existence of the financial interest and be
given the opportunity to disclose all material factsto the Board of Directors forconsideration the
proposed transaction and/or arrangements.
2. Determining Whether a Conflict of Interest Exists: After presentation to the Board of Directors,
discussed in procedures #1, the interested party shall be dismissed fromthe Board of Directors
session so that the Board of Directors can discussand make a determination if the conflict exists,
or not. The Board of Directors will make this decision afteradequate discussion,review of
evidence and a majority vote.

pg. 45
3. Violations:
a. If the Board of Directors has reasonable cause to believe a member has failed to disclose
actual or possible conflicts of interest, then the interested party should first be given the
opportunity to explain the failure to disclose.
b. The Board of Directorswill then evaluate this explanation and with a majority vote
determine how to proceed.
Records of Proceedings: The Board of Director minutes shall be maintained and will include; the names
of the person orpersons who has disclosed or were found to have a financial interest with an actual or
possible conflict of interest, the nature of the financial interest, associated action,the Board of Directors
determination. Minutes will also include;the names of person or persons present for the discussion,
voting information,the content of the discussion, alternatives proposed and discussed,and a record of the
vote.
Compensation: Voting membersmay not be compensated in any form; before, during or after the
determination of conflict.
Annual Statements: Each Director, Principal Officer, or any interest party with governing board
delegated powers will annually affirmin writing:
1. The interested party hasreceived a current copy of the conflict of interest policy.
2. Has read and understandsthe policy.
3. Agrees to comply with the policy.
4. Understands that SilverBenefits is a charitable organization, maintaining a federal tax
exemption.
State of Wisconsin: Except as may otherwise be provided by a decree of court or competent jurisdiction
this Conflict of Interest statement will be considered legally binding.
(IRS.gov, 2013)

pg. 46
Finance
Background
Silver Benefits has been organized as a non-profit organization. We are incorporated in the state
of Wisconsin. As such, we have applied for tax exempt status in the state of Wisconsin. We are also
applying for federaltax exempt status as a 501 (c)(3) organization. Finally, Silver Benefits is also
applying with the Department of Health and Human Services Center for Medicare and Medicaid Services
to be a rural health clinic provider.
Policies
Insurance Billing
Silver Benefits has decided we will not directly bill any insurance company. In order to get a
Wisconsin rural healthcare facility license we must be Medicare and Medicaid certified by the Center for
Medicare and Medicaid Services division of the Department for Health and Human Services (Center for
Medicare and Medicaid Services, 2013). So we are applying to be a Medicare and Medicaid service
provider following federal guidelines. Therefore,we will bill Medicare and Medicaid but no other
insurance company. The main reason for this decision is due to cost efficiency. The target market for our
services is the low income rural population. Most of these people will be on Medicaid or Medicare, there
is no need at this time to set up contracts with other insurance agencies. Our staff will be willing and able
to help those patients who are not on Medicaid or Medicare with completing claim forms for any other
type of insurance carriers. Once there is an insurance carrier that we are receiving patients with that is
cost effective to set up a contract with we will. But that is just not feasible at this time.

pg. 47
Sliding Fee Scale/Abilityto Pay
Silver Benefits realizes that some patients we see will not have any type of insurance. These
patients will need to make payment for services directly. We also realize that many, if not most, of these
patients will not be able to completely pay for the services they receive. So we have configured the
following sliding fee scale for those patients following federal regulations:
Household Size: 1 Household Size: 2 Household Size: 3 Household Size 4:
Annual
Income
% of
Fees
Due
Annual
Income
% of
Fees
Due
Annual Income
% of
Fees
Due
Annual Income
% of
Fees
Due
< or = 11,490 0 < or = 15,510 0 < or = 19,530 0 < or = 23,550 0
11,491 -13,788 10 15,511 – 18,612 10 19,531 – 23,436 10 23,551 – 28,261 10
13,789 - 16,086 20 18,613 – 21,714 20 23,437 – 27,342 20 28,262 – 32,970 20
16,087 - 18,384 30 21,715 – 24,816 30 27,343 – 31,248 30 32,971 – 37,680 30
18,385 - 20,682 40 24,817 – 27,918 40 31,249 – 35,154 40 37,681 – 42,390 40
20,683 - 22,980 50 27,919 – 31,020 50 35,155 – 39,060 50 42,391 – 47,100 50
22,981 - 25,278 60 31,021 – 34,122 60 39,061 – 42,964 60 47,101 – 51,810 60
25,279 - 27,576 70 34,123 – 37,224 70 42,965 – 46,872 70 51,811 – 56,520 70
27,577 - 29,874 80 37,225 – 40,326 80 46,873 – 50,778 80 56,521 – 61,230 80
29,875 - 32,172 90 40,327 – 43,428 90 50,779 – 54,684 90 61,231 – 65,940 90
= or > 32,173 100 = or > 43,429 100 = or > 54,685 100 = or > 65,941 100
Household Size: 5 Household Size: 6 Household Size: 7 Household Size: 8
Annual
Income
% of
Fees
Due
Annual
Income
% of
Fees
Due
Annual Income
% of
Fees
Due
Annual Income
% of
Fees
Due
< or = 27,570 0 < or = 31,590 0 < or = 35,610 0 < or = 39,630 0
27,571 – 33,084 10 31,591 – 37,908 10 35,611 – 42,732 10 39,631 – 47,556 10
33,085 – 38,598 20 37,909 – 44,226 20 42,733 – 49,854 20 47,557 – 55,482 20
38,599 – 44,112 30 44,227 – 50,544 30 49,855 – 56,976 30 55,483 – 63,408 30
44,113 – 49,626 40 50,545 – 56,862 40 56,977 – 64,098 40 63,409 – 71,334 40
49,627 – 55,140 50 56,863 – 63,180 50 64,099 – 71,220 50 71,335 – 79,260 50
55,141 – 60,654 60 63,181 – 69,498 60 71,221 – 78,342 60 79,261 – 87,186 60
60,655 – 66,168 70 69,499 – 75,816 70 78,343 – 85,464 70 87,187 – 95,112 70
66,169 – 71,682 80 75,817 – 82,134 80 85,465 – 92,586 80 95,113 – 103,038 80
71,683 – 77,196 90 82,135 – 88,452 90 92,587 – 99,708 90 103,039 – 110,964 90
= or > 77,197 100 = or > 88,453 100 = or > 99,709 100 = or > 110,965 100
(Assistant Secretary for Planning and Evaluation, 2013)
Benefits
Silver Benefits management has determined we must offer viable staff incentives in order to
recruit highly qualified medical staff. Therefore,we have established the following benefit package for
employees:

pg. 48
Medical Insurance – Silver Benefits will pay all employee medical insurance premiums. Employees
are responsible for paying any spouse ordependent medical premiums.
Dental Insurance – Silver Benefits will pay all employee dental insurance premiums. Employees are
responsible for paying any spouse ordependent dentalinsurance premiums.
Vision Insurance – Silver Benefits will provide all employees visions insurance for the employee,
employee’s spouse,and any dependents.
Life Insurance – Silver Benefits will provide $50,000 in life insurance coverage for all employees.
Voluntary coverage – Silver Benefits will contract with insurance companies like AFLAC to give the
employee the opportunity to purchase voluntary accident, cancer, sickness,accidental death and
dismemberment, additional employee life, spouse life, and dependent life insurance policies at the
employee’s expense. Additional insurance types can be added if management deems necessary.
Retirement – Silver benefits will contract with a financial services firm to provide employees an
opportunity to establish and contribute to retirement accounts. These accounts will include, but are not
limited to, 401(k), traditional Individual Retirement Accounts,and Roth Individual Retirement
Accounts. Silver Benefits will match employee contributions to a 401(k) account established through
the organization up to 12% of the employee’s annual salary.
Section 125 (Cafeteria Plan) – Silver Benefits will establish a Section 125 “Cafeteria Plan” for
employees to withhold certain deductions pre-tax as determined by IRS regulations.
Salaries and Bonuses
Attracting competent, highly educated,reliable staff requires reciprocating compensation. Yet
Silver Benefits is a non-profit organization relying on donations and grants from individuals and
companies. So, Silver Benefits has decided all executive and staff positions salary ranges will start at
25% of the area average. The ranges for positions starting under $50,000; entry level staff; will be
$10,000. Positions between $50,000 and $99,999; management staff; will have a $15,000 range. Finally,
positions starting at $100,000 and over; executive staff; will have a $20,000 range. In addition, all staff
directly responsible for the organization successfully passing all federaland state audits and surveys will
receive the following bonus per evaluation; entry level staff up to 5%,management staff up to 10%, and
executive staff up to 15%. All bonuses will be at the discretion of the employee’s supervisor and
approved by the board of directors.
Controls, Checks and Balances
Silver Benefits management and executive staff are aware of the public and governmental
scrutiny of corporate fiscal responsibility. Therefore,we have established the following controls. All
invoices must include verification of receipt before payment and be approved by the Director of
Operations. All invoices over $100 must be approved by the Director of Operations and the Director of
Finance. All invoices over $500 must be approved by the Director of Operations, Director of Finance,

TeamB.P-Plan.(SilverBenefits).PA600 submitted

TeamB.P-Plan.(SilverBenefits).PA600 submitted

Recommended

Recommended

More Related Content

What's hot

What's hot (19)

Viewers also liked

Viewers also liked (16)

Similar to TeamB.P-Plan.(SilverBenefits).PA600 submitted

Similar to TeamB.P-Plan.(SilverBenefits).PA600 submitted (20)

TeamB.P-Plan.(SilverBenefits).PA600 submitted