Methods of Financial Costing Analysis. Jeremy Lauer, WHO (Geneva)
|
|
|
- Virginia Harrington
- 5 years ago
- Views:
Transcription
1 Methods of Financial Costing Analysis Jeremy Lauer, WHO (Geneva)
2 Objectives of this session The role of financial cost analysis in the planning process Overview of the Financial Costing Tool for Breast Cancer interventions Issues for consideration
3 Cost- Effectiveness Analysis The role of financial costing analysis in the planning and budgeting process I- Strategic plan II- Operational plan and budget proposal III- Budget negotiation IV- Budget consolidation and approval V- Financial tracking and audit Timeline Strategic areas Policies Targets Assess Resource Needs and affordability Activity plan Input requirements Input costs Preliminary budget Costs and budget for activity plan Internal revision Negotiation with Ministry of Finance and other financial sources Advocacy with funders Budget approval by Ministry of Finance Distribution of the budget by line items Monitoring of financial disbursements by budgetary line items Financial costing
4 The role of financial costing analysis in the planning and budgeting process: the need for continuous updates and revisions I- Strategic plan Timeline Strategic areas Policies Targets II- Operational plan and budget proposal Activity plan Input requirements Input costs Preliminary budget III- Budget negotiation Internal revision Negotiation with Ministry of Finance and other financial sources
5 Why do we have a separate tool for financial costing? The cost-effectiveness analysis (CEA): looks at total costs incurred from the societal perspective, over a standardised time-frame, regardless of whether those resources are already in place and financed, or not. Allows for comparison between a wide range of interventions. The financial costing tool (FCT) looks at the financial cash flows by year. This means that resources already in place and funded are not costed (e.g., equipment and human resources already in place). Capital costs are not annualised. Focuses on a selected set of activities and interventions. The FCT allows for context-specific planning in the medium-term and alignment with other national strategic planning documents.
6 Needs-based costing A historical incremental budgeting approach looks at what was spent last year and increases the budget by e.g., 5-10 % Does not allow for shifting between priorities. A needs-based cost assessment looks at population needs and is determined by the set policies and planned coverage targets Provides a powerful tool for making adjustments to the budget allocation Historical (example) Coverage-based (example)
7 Financial CostingTool to accompany costeffectiveness analysis The purpose is to facilitate an assessment of the financial resources (cash flows) that would be required to implement the scenarios for Breast cancer interventions. Costs are estimated at national level, from the health provider perspective. Costs are estimated for the entire planned Breast Cancer programme regardless of who would hold the budget for the various items.
8 Costs included - definitions Specific costs to Breast Cancer programme Patient Costs (treatment, drugs and medicines, facilities, diagnosticeds, etc.) Program Costs (administration, enforcement, logistics, monitoring and evaluation surveys, mass media awareness raising, and community outreach). Includes training costs Shared system resources Inpatient and outpatient services, health worker salaries, community-based health workers, infrastructure and building maintenance.
9 Objectives and process of application of the tool in Peru Build on lessons learnt from the CEA analysis in terms of most costeffective interventions and estimate their financial cost. Estimate the costs of scaling up BrCa services and activities over 5-15 year time frame Incorporate as much shared input data as possible from the CEA analysis. Defining an action plan for the next 5-10 years to outline a proposed scale-up scenario Compare costs of a current scenario, with the costs of a "scale-up scenario".
10 Comparing two scenarios: 1. current delivery, and 2. proposed scale-up The proposed scale-up scenario can refer to increased population coverage of current services Increased quality of care provided of current services Adjustments to the screening process (frequency, inputs) Adjustments to the treatment and care provided (frequency, inputs) Intensified programmatic investments (mass media, training, etc) Change in strategy for more effective delivery Shifting patient load from Hospital level to Health Centre level to save costs. in our example we have focused on coverage increases. More country-specific information would be needed to undertake a more context-specific assessment.
11 A look at the tool and assumptions used for the example cost analysis for Peru
12 Interventions in current vs. scale-up scenario
13 Coverage trajectory
14 Detailed inputs and activities are defined by year (#1: equipment) Number of new equipment to purchase in each year: 2009 Minimum additional equipment needed Bone density: CT scanning system Radiotherapy: linear accelerator Radiotherapy: radiographic quality assurance Mammograph: Radio quality Mammograph: Radio machine Mammograph: digital machine quality X-ray machine other <please specify>: 0 - other <please specify>: 0 - other <please specify>: 0 -
15 Detailed inputs and activities are defined by year (#2: training) Second course: Specialist training for surgeons or radiologists Participant Costs Number of Classes per year Size of Class: Per Diem Rate (Students): Average Travel Costs: Cost of Training Packet (per student): Trainer costs: Total Student Costs: Number of Trainers per class: Per Diem Rate (Trainers): Hotel/travel costs (total for the course per trainer): Other Costs: Total Trainer Costs: Cost for lecture room rental Other Costs (per class): Total Other Costs: Total Costs for Training:
16 Issues for consideration
17 Application of the FCT Will demonstrate future resource needs associated with a plan Could be used to illustrate cost savings: Treating women in late stages, vs. Comprehensive preventive screening programmes and treating women in earlier stages Incorporates demographic changes over time change in population size of various age cohorts can model an increase or decrease in incidence over time, based on the local context and expected change in risk factors. Waiting times not explicitly addressed but could be taken into account by estimating costs for the activities required to reduce waiting times
18 Issues for consideration The financial costing analysis should be based on an analysis of the current health systems constraints, and how to overcome them (access to care, quality of care), and link to the broader health sector plans. If estimated costs are deemed to be not affordable, potential strategies include: Plan for a less ambitious strategy (lower coverage) Explore innovative ways to save costs (greater integration of services, shift service delivery to lower level facilities, use generic drugs, etc) Explore different options for financing the plan Link the implementation plan for Breast Cancer programme to the broader national health strategic plan
19 Issues for consideration (contd.) Equity e.g., variation in access and quality of care by geography The role of public / private providers Coverage targets/ scale-up phasing aligned with national health investment plans National vs. Decentralised level planning Inflation and price changes over time not yet accounted for
20 Proposed next steps Strategic: Define the overall strategic plan and implementation plan Link these to broader national plans for the health sector Programmatic: Refine inputs and assumptions for the programmatic investments, including treatment protocols, and price data. Define the format of results that are useful in the Peruvian context (cost categories, budget categories) Assess financing policy Assess financing options Develop financing strategy (how to ensure moving towards universal financial access with long-term predictability of funding)
Presentación sobre herramientas financieras (FBT) para el estudio de Cancer de Mama en México
Presentación sobre herramientas financieras (FBT) para el estudio de Cancer de Mama en México Seminario Taller Sobre Costo Efectividad De Cancer de Mama en México México DF, 2-4 Febrero 2011 Jeremy Lauer,
Methodology to assess the cost impact of PMB benefit definitions
Methodology to assess the cost impact of PMB benefit definitions Version 1.0.0 07 March 2012 Contents 1 Background... 1 2 Aim... 1 3 Objectives... 1 4 Methods... 2 5 Variables for data collection, data
COSTING INTERVENTIONS
ASAP Regional Training on Epidemiological and Economic Tools for HIV/AIDS Strategic Planning COSTING INTERVENTIONS Julian Naidoo (Ph.D) Durban, November 2007 STRATEGY RESULTS CYCLE Formulate/Revise HIV/AIDS
UnitedHealthcare Choice Plus. UnitedHealthcare Insurance Company. Certificate of Coverage
UnitedHealthcare Choice Plus UnitedHealthcare Insurance Company Certificate of Coverage For the Plan 21D of Big Walnut Local School District Enrolling Group Number: 753271 Effective Date: January 1, 2016
2015 Nursing Conference College of Nursing, Hong Kong
2015 Nursing Conference College of Nursing, Hong Kong Voluntary Health Insurance Scheme (VHIS) Food and Health Bureau 8 February 2015 Dr KO Wing Man, BBS, JP Secretary for Food & Health Hong Kong SAR Government
Guidelines for cost analyses of new medicines and indications in the hospital sector
Guidelines for cost analyses of new medicines and indications in the hospital sector 1 Table of contents 1. Introduction... 3 2. Guidelines for cost analyses of new medicines and new indications in the
SUMMARY OF BENEFITS Availability of services at SHC locations vary, please verify location when making appointments.
SUMMARY OF BENEFITS Availability of services at SHC locations vary, please verify location when making appointments. Policy Year Maximum Out-of-Pocket Limit OUTPATIENT BENEFITS Doctor s Visits Lab and
Hollard Cigna Health benefits overview
Hollard Cigna Health benefits overview Area(s) of cover Emergency out of area cover Annual maximum benefit per 1. Africa 2. Africa+ (including India, Pakistan, Sri Lanka, Bangladesh and Lebanon) 3. Europe
Expatriate Health Insurance U.S. coverage. Care
Expatriate Health Insurance U.S. coverage Care PA Group offers comprehensive expatriate healthcare solutions so you can focus on what matters most. In this schedule of benefits you will find detailed information
SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. RADCO Health Savings Account Open Access Plus
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. RADCO Health Savings Account Open Access Plus General Services In-Network Out-of-Network Physician office visit Primary Care Physician (PCP) Physician
Signature Health Plan Option: Elite
All benefits are subject to Usual, Customary and Reasonable (UCR) fees. The benefits, coverage and exclusions listed herein are only a summary, and are subject to the specific terms and conditions of the
SUPRO: 2018 SCHEDULE OF BENEFITS - EMPLOYEE COST SHARING
SU Pro (In- and Out-of-) In - Out -of- Cost Sharing Definitions Annual Deductible 1 Coinsurance Annual Out-of-Pocket Maximum 2 $200 per individual with a maximum of $400 for a family 5% of allowable amount
G4S Secure Solutions (USA), Inc.: PanaBridge Advantage Coverage Period: 11/01/ /31/2017
G4S Secure Solutions (USA), Inc.: PanaBridge Advantage Coverage Period: 11/01/2016 10/31/2017 The attached Summary of Benefits and Coverage (SBC) is required under the new Affordable Care Act (ACA). Under
SUMMARY OF BENEFITS. Cigna Health and Life Insurance Co. RADCO Open Access Plus - Plan 1
SUMMARY OF BENEFITS Cigna Health and Life Insurance Co. RADCO Open Access Plus - Plan 1 General Services In-Network Out-of-Network Physician office visit Primary Care Physician (PCP) Physician Office Visit
What to Know About Your Health Plan
What to Know About Your Health Plan 1 Given the ever changing nature of health care, it s no surprise many people have a diffcult time understanding their health benefts. However, learning the basics of
UnitedHealthcare Choice Plus. United HealthCare Insurance Company. Certificate of Coverage
UnitedHealthcare Choice Plus United HealthCare Insurance Company Certificate of Coverage For the Definity Health Savings Account (HSA) Plan 7PC of East Central College Enrolling Group Number: 711369 Effective
SUBLUE AND SUORANGE: 2018 SCHEDULE OF BENEFITS -EMPLOYEE COST SHARING
Cost Sharing Definitions Annual Deductible 1 (amounts are not cumulative across levels) $100 per individual with a maximum of $250 for a family $300 per individual with a maximum of $1,000 for a family
All sub-limit sums insured are the maximum per Insured Person, per Period of Insurance unless otherwise stated
Schedule of Cover Developed by All sub-limit sums insured are the maximum per Insured Person, per unless otherwise stated Annual maximum limit per individual insured person AED 1,000,000 AED 5,000,000
Step by step guide to economic evaluation in cancer trials
What is CREST? The Centre for Health Economics Research and Evaluation (CHERE) at UTS has been contracted by Cancer Australia to establish a dedicated Cancer Research Economics Support Team (CREST) to
Campus Forum November 15, 2016 Agenda
Campus Forum November 15, 2016 Agenda Introductions MTIA Dedicated Team Current Plan Design Benchmarking Data Challenges and Considerations Specific Concerns Questions 2 M&T Insurance Agency, Inc. Dedicated
FAQS ON ACA ISSUES AND MENTAL HEALTH PARITY IMPLEMENTATION
Issue One Hundred Thirteen November 2015 November 18, 2015 FAQS ON ACA ISSUES AND MENTAL HEALTH PARITY IMPLEMENTATION The Departments of Labor (DOL), Health and Human Services (DHHS) and the Treasury (collectively
Inside this Benefits Summary: Medical
BENEFITS SUMMARY Aetna Affordable Health Choices insurance plan Plan design and benefits provided by Aetna Life Insurance Company (Aetna) and administered by Strategic Resource Company (SRC). Unless otherwise
West Suburban Health Group High Deductible Health Plan with HSA
West Suburban Health Group High Deductible Health Plan with HSA November 30, 2017 Today s Agenda 1. Consumer Driven Health A new way to Receive Your Health Benefits 2. HMO/PPO Plan Design Features 3. Health
Booklet C.2: Estimating future financial resource needs
Booklet C.2: Estimating future financial resource needs This booklet describes how managers can use cost information to estimate future financial resource needs. Often health sector budgets are based on
BH Media Group, Inc. Coverage Period: 01/01/ /31/2016
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: HDHP What is the overall deductible? This is only a summary. If you want more detail about
Morgan Stanley Australian Emerging Companies Conference
Morgan Stanley Australian Emerging Companies Conference John Livingston (CEO) Craig Bremner (CFO) 15 June 2016 ATTRACTIVE BUSINESS MODEL 1 IDX BUSINESS MODEL The combination of IDX's referrers, sites,
SCHEDULE OF BENEFITS
SCHEDULE OF BENEFITS To receive the highest level of benefits at the lowest Out-of-Pocket Maximum expense, Covered Services must be provided by PPO Network Providers. When you use other Providers who are
Schedule of Benefits. Plumbers Union Local 12 HMO. A Prime Solutions HMO Plan
Schedule of Benefits Plumbers Union Local 12 HMO A Prime Solutions HMO Plan health plan meets Minimum Creditable Coverage standards and will satisfy the individual mandate that you have health insurance.
Contractors International Health Plan
Exclusive, affordable international medical insurance for contractors As a contractor, finding good quality, affordable health insurance can be difficult at the best of times particularly when you are
UnitedHealthcare Choice Plus. UnitedHealthcare Insurance Company. Certificate of Coverage
UnitedHealthcare Choice Plus UnitedHealthcare Insurance Company Certificate of Coverage For the Health Savings Account (HSA) Plan 7PA of Educators Benefit Services, Inc. Enrolling Group Number: 717578
OECD Health Committee Survey on Health Systems Characteristics 2016 ROUND
OECD Health Committee Survey on Health Systems Characteristics 2016 ROUND PART I. HEALTH CARE FINANCING Section 1: Characteristics of basic health care coverage Section 2: Regulation of health insurance
Using the OneHealth tool for planning and costing a national disease control programme
HIV TB Malaria Immunization WASH Reproductive Health Nutrition Child Health NCDs Using the OneHealth tool for planning and costing a national disease control programme Inter Agency Working Group on Costing
Empire BlueCross WSWHE Counties Health Insurance Consortium Trust: HRA Coverage Period: 07/01/ /30/2015
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.empireblue.com or by calling 1-800-342-9816. * Health
Medical out-of-pocket limit 1 (See separate prescription drug out-of-pocket limit for UMP Classic.)
2017 Medical Benefits Cost Comparison The chart below briefly compares the per-visit costs of some in-network benefits for PEBB plans. Some copays and coinsurance do not apply until after you have paid
Medical Plan Summary: PPO Core Plan
Medical Plan Summary: PPO Core Plan Healthcare is one of the most important and necessary parts of your benefit package. The following is a summary of our benefit plan. For a more detailed explanation
SUMMARY OF BENEFITS. Montgomery College Open Access Plus Coinsurance Plan. Connecticut General Life Insurance Co. Notice of Grandfathered Plan Status
SUMMARY OF BENEFITS Connecticut General Life Insurance Co. Notice of Grandfathered Plan Status This plan is being treated as a grandfathered health plan under the Patient Protection and Affordable Care
Removing private practice from public hospitals: Submission of the Health Insurance Authority to the de Buitleir Independent Review Group
Removing private practice from public hospitals: Submission of the Health Insurance Authority to the de Buitleir Independent Review Group February 2018 The Health Insurance Authority welcomes the invitation
ANNEXURE : 1 FLEXI - DUBAI PLANS - OPTION 1
ANNEXURE : 1 FLEXI - DUBAI PLANS ( OPTION 1 ) Applicable only for (DXB visa holders) with Gross Salary Above AED 4,000. Preexisting & chronic conditions will be covered only for declared cases: - New membership-
Cancer. About this Benefit AMERICAN PUBLIC LIFE YOUR BENEFITS DID YOU KNOW?
AMERICAN PUBLIC LIFE Cancer YOUR BENEFITS About this Benefit Cancer insurance offers you and your family supplemental insurance protection in the event you or a covered family member is diagnosed with
: POS HD 3000 Silver Coverage Period: 2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: POS
Standard Silver Point-of-Service This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.connecticare.com or
Table of Benefits All monetary figures shown are in US Dollars ($). INDIVIDUAL POLICIES
Allianz Care International Healthcare Plans for Egypt Valid from 1st July 2018 INDIVIDUAL POLICIES Table of Benefits All monetary figures shown are in US Dollars ($). REASONS TO CHOOSE US Flexible modular
ExpatPlus Benefits Guide Effective 1 st January 2008
In the tables below we have summarised the benefits applicable for each product option. Please refer to the general conditions for full benefit details and definitions. All benefits shown are per insured
KENYA DYNAMIC HEALTH SERVICE COSTING MODEL
KENYA DYNAMIC HEALTH SERVICE COSTING MODEL USER MANUAL G I Z Contents INTRODUCTION TO THE COSTING MODEL... 1 GETTING STARTED... 1 MODEL ASSUMPTIONS... 6 RESOURCE REQUIREMENTS FOR KEPH CONDITIONS... 14
Annual deductibles and maximums In-network Out-of-network Lifetime maximum
SUMMARY OF BENEFITS City of Richmond & Richmond Public Schools (Plan B) Connecticut General Life Insurance Co. Annual deductibles and maximums Lifetime maximum Unlimited per individual Pre-Existing Condition
What is the overall deductible? Are there other deductibles for specific services?
Standard Gold Point-of-Service (POS) : POS HD 1000 Gold Coverage Period: 2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy
Appendix 4.1 MEETING: Haringey Clinical Commissioning Group Governing Body Meeting DATE: Thursday, 15 March 2018 TITLE: LEAD DIRECTOR: AUTHOR: CONTACT DETAILS: Operating Plan: Timetable and Governance
Frequently Asked Questions Radiology Prior Authorization Program for the UnitedHealthcare Community Plan, Arizona
Doc #: UHC1782m_20120305 Frequently Asked Questions Radiology Prior Authorization Program for the UnitedHealthcare Community Plan, Arizona 1. What is the UnitedHealthcare Radiology Prior Authorization
2017 Benefits Overview
2017 Benefits Overview Dependent Eligibility In accordance with the Patient Protection and Affordable Care Act, married or unmarried adult children that are the natural, adopted or step child of you or
Blue Cross Select Silver 94 Blue Cross Preferred Silver 94
Blue Cross Select Silver 94 Blue Cross Preferred Silver 94 An individual HMO health plan from Blue Care Network of Michigan. Blue Cross Select You may choose from a select network of quality primary care
: POS UPD $6,350 30PCP Coverage Period: 2014
Standard Basic Point-of-Service (POS) : POS UPD $6,350 30PCP Coverage Period: 2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy
Who pays for health care... and who benefits?
Who pays for health care... and who benefits? SHIELD Tanzania Team Health Financing for Equity A National Forum 06 th September 2010 Key Questions Who is paying for health care in Tanzania and through
IntegraGlobal. Health plans about you, Family health plans you can trust. PremierLife & PremierFamily Table of Benefits for the UAE
Health plans about you, Family health plans you can trust. for the UAE Underwritten by SALAMA-Islamic Arab Insurance Co. (P.S.C.) IntegraGlobal Important Contact Information for your Integra Global Health
Participant s Guide to t azur Group Medical Plan
Participant s Guide to t azur Group Medical Plan Introduction t azur Company b.s.c. (c), in partnership with your employer is providing you with a comprehensive healthcare plan, and we welcome you as
International Healthcare Plan Benefits Schedule $/ / - Core Effective 1 April, 2012
International Healthcare Plan Benefits Schedule $/ / - Core Effective 1 April, 2012 In the table below, we have displayed the benefits applicable to your cover. To help you understand your cover, the words
Blue Cross Silver, a Multi-State Plan 94
Blue Cross Silver, a Multi-State Plan 94 An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within BCBSM s unsurpassed statewide
BENEFITS SCHEDULE. MyHEALTH. Please print only if necessary
BENEFITS SCHEDULE MyHEALTH www.april-international.com Please print only if necessary MyHEALTH BENEFITS SCHEDULE This s schedule provides a summary of the cover we provide per period of insurance unless
CIGNA & CMC International Employee Healthcare Plan
CIGNA & CMC International Employee Healthcare Plan Version 2-December 2009 Table of Contents Page About CIGNA & CMC...2 Global Health Solutions...2 What do we offer...3 Optional Cost Containment Features...3
+44 (0) Affordable medical insurance which is with you wherever you go
+44 (0)1242 584 558 Affordable medical insurance which is with you wherever you go exclusive medical insurance created for international contractors Exclusive, affordable medical insurance for international
Blue Cross Silver, a Multi-State Plan 87
Blue Cross Silver, a Multi-State Plan 87 An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within BCBSM s unsurpassed statewide
Board of Huron County Commissioners : HSA
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at MedMutual.com/SBC or by calling 800.540.2583. Important Questions
Table of Benefits Corporate Group Schemes
International Healthcare Plans for the UAE (Direct Settlement Dubai) Table of Benefits Corporate Group Schemes Valid from 1 st November 2015 The following plans are available for groups who qualify for
HEALTH PLANS COMPARISON TABLE LATIN AMERICA & THE CARIBBEAN (EXCLUDING BRAZIL & MEXICO)
MAXIMUM COVERAGE US$ 5,000,000 US$ 2,000,000 (US$ 1,500,000 OPTIONAL) (US$ 1,500,000 OPTIONAL) COVERAGE & THE CARIBBEAN ELIGIBILITY UP TO 70 S OF AGE UP TO 70 S OF AGE UP TO 50 S OF AGE UP TO 70 S OF AGE
LDS Sr. Missionary Program (Aetna Insurance Company Limited - Europe)
Medical Summary of Benefits On-shore/Off-shore Benefits Individual Deductible None $2,000 per plan year $2,000 per plan year Family Deductible None $4,000 per plan year $4,000 per plan year Prior Plan
Schedule of Benefits. Plan D
13537 Barrett Parkway Drive suite 100 Manchester, Missouri 63021 phone 314.835.2700 or 1.866.565.2700 Fax 314.966.9848 Schedule of Benefits Eligibility Information Your Plan of benefits includes medical,
PacifiCare SignatureElite SM Offered by PacifiCare Life Assurance Company Plan 155P 30/70-50/2500 PPO Schedule of Benefits
TEXAS PacifiCare SignatureElite SM Offered by PacifiCare Life Assurance Company Plan 155P 30/70-50/2500 PPO Schedule of Benefits Deductibles and Policy Maximums Participating Providers n-participating
INSIDE OUR PORTFOLIO
For Employer Groups Plans effective January 1, 2010 P3 P6 INSIDE OUR PORTFOLIO HMO Health Maintenance Organization plans Health Alliance HMO offers a large provider network and very low out-of-pocket costs.
Group Insurance Plan of Benefits for BorgWarner Company (Control ) administered by Aetna International Effective Date: January 1, 2016
Eligibility Provision Employee Regular full-time employees of an employer participating in this plan working a minimum of 25 hours per week. Dependent Wife or husband; same or opposite sex domestic partner;
Full hospitalization and catastrophic conditions coverage with access to top healthcare providers including GBG s security network in the U.S.
Full hospitalization and catastrophic conditions coverage with access to top healthcare providers including GBG s security network in the U.S. Global Inpatient Plus is tailored exclusively for individuals
Fort Worth Firefighters Healthcare Trust 2019 Benefits Guide
Fort Worth Firefighters Healthcare Trust 2019 Benefits Guide What s Inside The Local 440 Benefits Trust provides participants and their eligible dependents a vital program of benefits designed to keep
PART A: TYPE OF COVERAGE 1. TYPE OF PLAN
$2,000 Deductible Plan with HSA Option (80%) and $2,000 Deductible Plan with HSA Option (100%) PART A: TYPE OF COVERAGE 1. TYPE OF PLAN Health Maintenance Organization (HMO) 2. OUT-OF-NETWORK CARE COVERED?
CT Silver PPO /50 HSA PY
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthreformplansbc.com or by calling 1-888-802-3862.
You must pay all the costs up to the deductible amount before this plan begins What is the overall
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
benefits guide 2017 euro POund sterling us dollar swiss franc
2017 EURO POUND STERLING US DOLLAR SWISS FRANC Tailor your Cigna expatplus Insurance Choose your core plan You can choose from 3 plans: Globe Orbit Universe You can choose from 2 areas of cover: Worldwide
Health Insurance Plan for INTERNATIONAL Students
Health Insurance Plan for INTERNATIONAL Students Colleges and universities require international students to have health insurance plans while studying. GBG Student Health Insurance Plans offer international
Aviva Global Lifecare. A global protection and healthcare solution for expatriates
Aviva Global Lifecare A global protection and healthcare solution for expatriates A personal life and healthcare protection all around the world As a global citizen, you travel the world to work. While
UnitedHealthcare Choice Plus. Certificate of Coverage
UnitedHealthcare Choice Plus Certificate of Coverage For the Plan QZB of Engility Corporation Enrolling Group Number: 906094 Effective Date: January 1, 2017 Offered and Underwritten by UnitedHealthcare
UnitedHealthcare Choice Plus. UnitedHealthcare of North Carolina, Inc. and. UnitedHealthcare Insurance Company. Certificate of Coverage
UnitedHealthcare Choice Plus UnitedHealthcare of North Carolina, Inc. and UnitedHealthcare Insurance Company Certificate of Coverage For the Health Reimbursement Account (HRA) Plan AFU5 of City of Dunn
2018 Corporate Work Plan & Budget Narrative
38 th Board Meeting 2018 Corporate Work Plan & Budget Narrative 14-15 November 2017, Geneva, Switzerland Board Decision Purpose of the paper: This document presents a corporate work plan and budget narrative
UnitedHealthcare Choice Plus. UnitedHealthcare Insurance Company of Illinois. Certificate of Coverage
UnitedHealthcare Choice Plus UnitedHealthcare Insurance Company of Illinois Certificate of Coverage For the Plan J4Z of YWCA of Metropolitan Chicago Enrolling Group Number: 742540 Effective Date: July
Criteria and Guidelines for the Analysis of Long-Term Impacts on Healthcare Costs and Public Health California Health Benefits Review Program
Criteria and Guidelines for the Analysis of Long-Term Impacts on Healthcare Costs and Public Health California Health Benefits Review Program The California Health Benefits Review Program (CHBRP) must
Sheet Metal Workers Retiree Health Plan of Southern California, Arizona & Nevada. Summary of Health Care Benefits
Sheet Metal Workers Retiree Health Plan of Southern California, Arizona & Nevada Summary of Health Care Benefits United Healthcare EPO and Medicare Advantage HMO Plans Available under the Retiree Health
GC12 Limited Benefit Group Cancer Indemnity Insurance Region VIII TIPS EBC Group #13041
GC12 Limited Benefit Group Cancer Indemnity Insurance Region VIII TIPS EBC Group #13041 THE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. THE EMPLOYER
: FlexPOS-CNT D-07 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: POS
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.connecticare.com or by calling 1-800-251-7722. Important
Central Health Medicare Plan (HMO)
Central Health Medicare Plan (HMO) MONTHLY PREMIUM, DEDUCTIBLE, AND LIMITS ON HOW MUCH YOU PAY FOR COVERED SERVICES How much is the monthly premium? How much is the deductible? Is there any limit on how
Medicare 101. Understanding the Basics
Medicare 101 Understanding the Basics 1. What is Medicare? 2. Who can get Medicare? 3. How much does it cost? 4. What does Medicare cover? 5. What is not covered? 6. Medicare Advantage Plans 7. Prescription
IN-NETWORK MEMBER PAYS OUT-OF-NETWORK MEMBER PAYS. Calendar Year Plan Deductible. services and prescription drugs) Out-of-Pocket Maximum
POS HDHP $3,000/$6,000 Deductible-F Point-of-Service Open Access High Deductible Health Plan for use with a Health Savings Account (HSA) Benefit Summary This is a brief summary of benefits. Refer to your
International Healthcare Comparison Plans Expat Standard, Comfort & Premium Plan 2013
Epat Standard, Comfort & Premium Plan 2013 Epat Standard, Comfort & Premium Plan 2013 Maimum Lifetime Plan Benefit $USD $400,000,000,000,000,000 Annual Maimum Plan Benefit $USD $400,000,000,000 $2,000,000
: FlexPOS-CNT-HSA-5000I/10000F-14 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: POS
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.connecticare.com or by calling 1-800-251-7722. Important
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
Health Care Facilities
Health Care Facilities Do Now (use your books) Turn in timelines on the front counter. 1. Define holistic health care. 2. List 5 types of wellness. Which type do you feel you are the most connected with?
Free Market Health Plans Who We Are. Your Options For Individual Health Insurance
Free Market Health Plans Who We Are u We are an insurance agency dedicated to educating the consumer on methods of health insurance and alternatives to ACA Plans (Obamacare) in Ohio, Kentucky, Indiana,
CORPORATE GROUP SCHEMES
International Healthcare Plans for Qatar Valid from 1 st November 2017 CORPORATE GROUP SCHEMES Table of Benefits The following plans are available for groups who qualify for cover on a medical history
Asia Care First. International. International health insurance for individuals and families
Asia Care First International International health insurance for individuals and families Asia Care First Overview Comprehensive international health insurance plans Comprehensive coverage ensuring you
HEALTH CARE PLAN. January - December 2019 Benefit Summary
HEALTH CARE PLAN January - December 2019 Benefit Summary BENEFIT SUMMARY ANNUAL BENEFIT - Maximum per member or dependant. IN-PATIENT TREATMENT HOSPITAL CHARGES for: nursing and accommodation for in-patient
REINSTATEMENT OF COVERAGE
SUMMARY of MATERIAL MODIFICATION AMENDMENT # 1 to the NATIONAL FRANCHISEE ASSOCIATION HEALTH + MINIMUM ESSENTIAL COVERAGE PLAN The National Franchisee Association Health + Minimum Essential Coverage Plan
Schedule of Benefits
Schedule of Benefits NHP Prime TM Solutions HMO 2000 with Easy Tier Hospital Network SM FlexRx SM 6 Tier A with Care Complement SM A Prime Solutions HMO Plan with Easy Tier Hospital Network IMPORTANT NOTICE:
How should funds for malaria control be spent when there are not enough?
How should funds for malaria control be spent when there are not enough? March 2013 note for MPAC discussion The MPAC advises WHO on the most effective interventions for malaria control and elimination.
GENERALI WORLDCHOICE DEDUCTIBLE OPTIONS
GENERALI WORLDCHOICE DEDUCTIBLE OPTIONS Group Health Plan Benefit Summary Comprehensive Major Medical Benefit Pre-Authorization through Generali Worldwide is required for certain Medical Services (1) otherwise
CancerSelect Plus. Voluntary Group Cancer-Only Insurance Policy. Employer Brochure. CancerSelect Plus Consumer Brochure CCP01C-B-0707
CancerSelect Plus Voluntary Group Cancer-Only Insurance Policy Employer Brochure CancerSelect Plus Consumer Brochure CCP01C-B-0707 Underwritten by: Transamerica Life Insurance Company CancerSelect Plus
Coverage for: Individual Plan Type: PPO. Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.mypomco.com or by calling 1-888-201-5150. Includes amendments