BlueEssentials SM Individual Plans
|
|
- Shanon Ferguson
- 5 years ago
- Views:
Transcription
1 BlueEssetials SM Idividual Plas
2 Are You Ready? While there have bee drastic chages i the world of health isurace, the oe costat is our commitmet to serve you. The jourey to fidig the best pla is oe that you do t have to travel aloe. Let BlueCross BlueShield of South Carolia be your guide to fidig the perfect health isurace solutio! The road to affordable coverage starts here. Now, more tha ever, you are i the driver s seat. The choices may seem overwhelmig, but remember, BlueCross has bee helpig people fid health care sice We are ready to help you fid your way to the coverage you eed. Times have chaged. Are you ready? How to Choose a Health Pla Whe headig somewhere you ve ever bee, it s always good to have directios ad recommedatios. Before we start, we wat you to uderstad some basic isurace words so you ca make a iformed decisio. Premium This is the amout you pay each moth for your coverage. I geeral, if you choose a lower premium, you ll have a higher deductible ad pay more of your health care costs. A pla with a higher premium usually has a lower deductible, so your out-of-pocket costs for health care services are less. Out-of-Pocket Maximum The most you pay for covered services durig a beefit period before your coverage begis to pay 100 percet of the allowed amout. This maximum ever icludes your premium, balace-billed charges or health care ot covered by your isurace. Deductible This is the amout you pay for your care before your isurace starts payig. For example, if your pla has a $2,000 deductible, you will eed to pay all of the bills for your medical care util you ve paid $2,000 of your ow moey. Oce you reach that amout, your health pla kicks i ad starts helpig to pay. So, if you ca afford to pay up frot for some of your health care, you should choose a pla with a higher deductible because that ca lower your mothly premium. 2
3 Now that you kow the basics, here are a few suggestios o how to pick the pla that is best for you. Whe you compare the plas i the BlueEssetials product lie, you will otice differeces i coisurace, copaymets, deductibles ad out-of-pocket maximum amouts. To choose the pla that s right for you, ask yourself these questios: How much coverage ca I afford? This is always the iterestig part! Several factors will impact your overall costs. Plas with higher deductibles ad coisurace ofte have lower premiums. The opposite is also true plas with lower deductibles ad coisurace ofte have higher premiums. It is up to you to decide whe ad how you pay toward your health care. If you prefer payig a higher premium up frot so you ca lower your future costs, you may wat to cosider buyig a pla with a low deductible ad coisurace, such as BlueEssetials SM Gold 1. If you prefer payig a lower premium while uderstadig you will pay more whe you receive medical treatmet, you may wat to cosider buyig a BlueEssetials SM Broze 1 pla. How ofte do I go (or expect to go) to the doctor? Whe you look at the chart comparig our plas, you ll see some boxes that have a set amout like $25. This is the copaymet. A copaymet is a fixed amout that you pay each time you go to the doctor. If you go to the doctor (or a specialist) several times a year, the you may wat to choose a pla with copaymets. You ll see that some of our plas have copaymets o matter how ofte you go to the doctor. Others offer limited visits, which mea you ll pay the copaymet the first few visits, the pay your deductible ad coisurace for ay visits beyod those. What is coisurace? Oce you ve met your deductible, you ad BlueCross share your medical costs util you reach your out-of-pocket maximum. Your part of the bill is your coisurace. For example: If your coisurace is 40 percet, the you pay 40 percet of the bill ad we pay 60 percet. The lower your coisurace, the less you pay for health care services. Just keep i mid that a lower coisurace amout could mea a higher premium. What about prescriptio drug beefits? If you eed to take several prescriptios or oes that cost a lot, you may wat to cosider a pla that offers low copaymets for prescriptio drugs. Ready to choose a pla? Oce you review your pla optios, all you eed to do is go to to apply. MySCBlueApp.com is available 24 hours a day, seve days a week. Tax Credit IforMATio The Affordable Care Act, also kow as the health care reform law, provides fiacial assistace to help you afford health coverage purchased through the marketplace. You ca use advace paymets of this fiacial assistace immediately to lower your mothly premium costs. If you qualify, you may also be able to get lower out-of-pocket costs. To lear more about the fiacial assistace, please visit To fid out if you qualify for fiacial assistace, please call
4 The Beefits Now that you kow what to cosider whe choosig a pla, it s time to review our plas. BlueEssetial plas are divided ito two categories: the metallic plas (Gold, Silver ad Broze) ad the catastrophic pla. Ayoe ca buy a metallic pla, but oly certai people qualify for BlueEssetials SM Catastrophic 1. What is the differece betwee the Gold, Silver ad Broze plas? Each pla must cover the same set of miimum essetial health beefits. While the rage of beefits is the same amog the plas, the value of the beefits will vary. This meas the amout that you pay, such as a copaymet, coisurace or deductible, is differet. These Essetial Health Beefits are covered uder the BlueEssetials SM Metal Plas: ambulatory patiet services; emergecy services; hospital services; materity ad ewbor care; metal health ad substace use services; prescriptio drugs; habilitatio ad rehabilitatio services; lab services; prevetive services; ad pediatric services. Beefits & Features Coisurace Deductible Out-of-Pocket Maximum Descriptio The portio of covered expeses that you pay before you reach your out-of-pocket maximum. The amout each perso must pay each beefit year before BlueCross pays beefits. The most you pay durig a beefit period (usually a caledar year) before BlueCross begis to pay 100% of allowed chages. BlueEssetials Gold 1 BlueEssetials Silver 1 20% 50% $1,200 $0 $4,200 $6,350 Lifetime Beefit Maximum The most BlueCross will pay while you re isured uder this pla. Ulimited lifetime Ulimited lifetime Physicias Services Primary Care Physicia A physicia who directly provides or coordiates a rage of health care services for a patiet. Icludes office charges for treatmet of a accidet or ijury; ijectios for allergy, tetaus ad atibiotics; diagostic lab ad diagostic X-ray services (such as chest X-rays ad stadard plai film X-rays) whe performed i the physicia s office ad billed by the physicia. Also icludes physicia visits for metal health & substace use disorders. $15 $20, the 50% coisurace 4
5 What is the BlueEssetials Catastrophic 1 Pla? Youg adults ad people for whom coverage is otherwise uaffordable ca purchase a catastrophic pla. Catastrophic plas are offered to people who: Are uder age 30 before the beefit year begis. Have received certificatio from the marketplace statig they are exempt from the idividual madate because they do ot have a affordable coverage optio or because they qualify for a hardship exemptio. To determie your qualificatio, please visit or call BlueEssetials Silver 2 BlueEssetials Silver 3 BlueEssetials Broze 1 BlueEssetials Broze 2 BlueEssetials Catastrophic 40% 20% 40% 50% 0% $2,000 $3,000 $5,000 $5,000 $6,350 $6,350 $5,200 $6,250 $6,350 $6,350 Ulimited lifetime Uilimited lifetime Ulimited lifetime Ulimited lifetime Ulimited lifetime $25 $25 $60 for first 4 visits, the 40% coisurace 50% coisurace $25 for first 3 visits, the 0% coisurace 5
6 Beefits & Features Descriptio BlueEssetials Gold 1 BlueEssetials Silver 1 Physicias Services (co t) Specialist A physicia specialist focuses o a specific area of medicie or a group of patiets to diagose, maage, prevet or treat certai types of symptoms ad coditios. Icludes office charges for treatmet of a accidet or ijury; ijectios for allergy, tetaus ad atibiotics; diagostic lab ad diagostic X-ray services (such as chest X-rays ad stadard plai film X-rays) whe performed i the physicia s office ad billed by the physicia. $30 $50 the 50% coisurace All Other Physicias Services Ipatiet ad Outpatiet Hospital; Skilled Nursig Facility; Cliic Lab, X-ray, ad the readig/iterpretatio of diagostic lab ad X-ray services; surgery, male sterilizatio; secod surgical opiio; cosultatio; aesthesia; dialysis treatmet, chemotherapy ad radiatio therapy ad Specialty Drugs (icludig the admiistratio) 20% coisurace 50% coisurace Prevetive Services Prevetive Care/ Screeigs/ Immuizatios Services covered accordig to USPSTF, CDC ad HRSA 0% 0% Mammograms Services covered accordig to USPSTF 0% 0% Prostate Screeigs Services covered accordig to the America Cacer Society. 0% 0% Facility Services Ipatiet Hospital Outpatiet Hospital Icludig metal health & substace use disorders, materity, ewbors ad hospice Icludig metal health & substace use disorders Emergecy Room 3 3 6
7 BlueEssetials Silver 2 BlueEssetials Silver 3 BlueEssetials Broze 1 BlueEssetials Broze 2 BlueEssetials Catastrophic $50 $50 $90 the deductible 50% 0% 40% 20% 40% 50% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
8 Beefits & Features Descriptio BlueEssetials Gold 1 BlueEssetials Silver 1 Materity/ Newbor Services Materity Newbor Preatal ad postpartum care icludig physicia ad hospital charges. A ewbor child is ot covered uder this beefit. Postatal care icludig physicia ad hospital charges. Policy must be purchased for the ewbor withi 60 days of his/her birth Prescriptio Drugs Retail 30-day supply or a 90-day supply with 3 copaymets if applicable Drug Card: Geeric $10 Preferred $35 No-Preferred $100 50% coisurace after deductible for Geeric, Preferred ad No-Preferred Mail order Up to 90-day supply Geeric $14 Preferred $95 No-Preferred $270 50% coisurace after deductible for Geeric, Preferred ad No-Preferred Specialty drug Specialty pharmacy oly $200 50% coisurace 8
9 BlueEssetials Silver 2 BlueEssetials Silver 3 BlueEssetials Broze 1 BlueEssetials Broze 2 BlueEssetials Catastrophic Geeric $10 Preferred 40% coisurace after deductible No-Preferred 40% Drug Card: Geeric $12 Preferred $35 No-Preferred $100 Geeric $25 Preferred 40% after deductible No-Preferred 40% 50% 0% Geeric $14 Preferred 40% coisurace after deductible No-Preferred 40% Geeric $17 Preferred $95 No-Preferred $270 Geeric $35 Preferred 40% after deductible No-Preferred 40% 50% 0% 40% coisurace $200 40% 50% 0% 9
10 Prevetive Care You take your car i every few moths to get the oil chaged so it keeps ruig smoothly ad gets you where you eed to go. Why do t you do the same for yourself? Our BlueEssetials plas come with prevetive care beefits as recommeded by the Uited States Prevetive Services Task Force (USPSTF) grade A or B screeigs, the Ceters for Disease Cotrol ad Prevetio (CDC), the Health Resources ad Service Admiistratio (HRSA) ad the America Cacer Society (ACS). Immuizatios Screeigs recommeded for childre ad wome Prevetive prostate screeig ad associated lab work Prevetive mammography Lactatio support ad couselig (icludes breast pump purchased through a doctor s office, pharmacy or durable medical equipmet supplier ad is limited to oe pump every 12 moths) Female sterilizatio Idetified cotraceptio devices or services To see a list of all services recommeded by the USPSTF, please visit Provider Network Our idividual BlueEssetials plas come with access to our exclusive provider etwork, or EPN. We oly provide coverage for services provided by a i-etwork provider. We will ot cover services provided by a out-of-etwork provider, uless the services are due to a emergecy or the services are ot available at a i-etwork provider. Coverage without borders Members ca rest easy kowig their BlueCross coverage travels beyod the Exclusive Provider Network available withi South Carolia s borders. Members have access to a Exclusive Provider Network of participatig doctors ad hospitals across the coutry, ad access to a etwork of participatig doctors ad hospitals aroud the world. 10
11 Importat IforMATio Regardig PreAUTHorizATios A preauthorizatio is also kow as a prior authorizatio, prior approval or precertificatio. A preauthorized service has bee determied to be medically ecessary for a patiet s coditio. Preauthorizatio does ot guaratee, however, that we will pay beefits for the service. Cotract limitatios or exclusios may apply. Additioally, a preauthorizatio may oly be for a specific period of time or umber of visits or treatmets. We make our fial beefit determiatio whe we process your claims. You or your doctor must get a preauthorizatio for certai categories of beefits. Without a preauthorizatio, we must dey those beefits. I-etwork providers i South Carolia are familiar with this requiremet. They will hadle gettig a preauthorizatio. If a i-etwork provider i South Carolia does ot get a preauthorizatio, the provider caot bill you for the services. For some services to be covered, you are required to use a provider we choose, who may or may ot be a i-etwork provider. Whe that happes, we will treat the provider as a i-etwork provider. What is a SUMMAry of BeefiTS ad CoverAGe (SBC)? Have you always wished health isurace came with a easy-to-read user s guide? You re i luck! You have the right to get a easy-to-uderstad summary of a health pla s beefits ad coverage, otherwise kow as a SBC. A SBC allows you to make a apples to apples compariso of differet plas. All isurace compaies must use the same stadard form to help you compare plas. SBCs iclude details, called coverage examples, that let you see what the pla covers for diabetes care ad childbirth, two commo medical situatios. To request a copy of ay SBC for our BlueEssetials plas, just go to ad click o the Summary of Beefits ad Coverage lik. Plus My Health Toolkit My Health Toolkit is your olie BlueCross iformatio ad customer service ceter. With My Health Toolkit, you ca maage your health care from the comfort of your ow home. Services iclude: Go paperless with our olie bills ad Explaatio of Beefits. Estimate costs for certai prescriptio drugs ad treatmets. Pay your bill. Request a ew ID card. Take a Persoal Health Assessmet. Fid a i-etwork doctor, specialist or hospital ear you. Check the status of a claim. Rate your doctor. 11
12 Discout ad Added value ProgrAMS Sometimes all you eed to feel great is a little sprucig up. That s why our members ejoy discouts ad value-added programs such as: Cosmetic surgery Visio Hair restoratio Allergy relief LASIK Vitamis ad supplemets Digital hearig aids Members also ca use Blue365, a daily deal website exclusively for our members. Blue365 complemets your health coverage by makig it easier ad more affordable to make healthy choices. Blue365 icludes: Discouts o fitess ceter memberships Discouts o weight loss ad utritio programs 12
13 Excluded Services for Members Uder Age 65 We Will Not Pay Beefits for: Ay services or beefits ot specifically covered uder the terms of this policy, which were received before this policy wet ito effect or after it termiates, or claims submitted after the time limit for filig claims has bee exceeded. Services or charges for which the member is etitled to paymet or beefits from other sources (workers compesatio or auto isurace), for which the provider does ot charge, or for which the member is ot legally obligated to pay, icludig treatmet provided i a govermet hospital or beefits provided uder Medicare or other govermet programs (except Medicaid). Cosmetic surgery, or surgery or treatmet for the purpose of weight reductio, icludig ay complicatios from or reversal of these procedures, or recostructive procedures made ecessary by weight loss. Illess cotracted or ijury sustaied as the result of war or act of war (whether declared or udeclared), or participatio i a feloy, riot or isurrectio. Refractive care, such as radial keratotomy, laser eye surgery or LASIK. Spial subluxatio. Treatmet, services or supplies received because of suicide, attempted suicide or iteratioally self-iflicted ijuries uless it results from a medical (physical or metal) coditio. Excluded Services for Members Ages 65 or Older ad Eligible for Medicare We Will Not Pay Beefits for: If Medicare says a expese for medical service or supply is eligible uder the Medicare program, this policy will pay beefits show uder the Schedule of Beefits. But if a service or supply is ot a eligible Medicare expese, this policy will ot pay beefits uless specified i the Schedule of Beefits. No-emergecy services i hospitals that do t participate with Medicare. Outpatiet prescriptio drugs, except for Medicare Part B coisurace for immuosuppressive drugs durig the first year followig a Medicare-covered orga trasplat. Other Services This Policy Does Not Cover We Will Not Pay Beefits for: No-emergecy services whe received at or from out-of-etwork providers or hospitals. Hospital or skilled ursig facility charges whe preauthorizatio is ot obtaied. Please see Preauthorizatio i the policy. Services ad supplies that are ot medically ecessary, that are ivestigatioal/experimetal i ature, ot eeded for the diagoses or treatmet of a illess or ijury, or ot specifically listed i Covered Services. Ay service or supply provided by a member of the patiet s family or by the patiet, icludig the dispesig of drugs. This meas the spouse, paret, gradparet, brother, sister, child or spouse s paret. Charges for a missed appoitmet or for fillig out claim forms. Ay loss resultig from you beig legally itoxicated or impaired, by beig uder the ifluece or alcohol, ay arcotic or drug uless take o the advice of a physicia. You or your represetative must provide ay available test result, upo our request, showig blood alcohol or drug levels. If you refuse to provide these test results, o beefits will be provided. Services or supplies related to chewig or bite problems, pai i the face, ears, jaws or eck resultig from problems of the jaw joit(s), also kow as temporomadibular joit disorders (TMJ). Pediatric Detal Services Exclusios ad Limitatios We Will Not Pay Beefits for: Services ad supplies primarily for cosmetic or aesthetic purposes, icludig persoalizatio or characterizatio of detures. Services a detist provides beyod the scope of his or her licese or that do ot meet accepted stadards of detal practice. Detal services that cost more tha they would have if o coverage had existed. Charges for visits at home or i the hospital, except i coectio with emergecy care. Detal care ot specifically listed i the policy or schedule of beefits. Replacemet of a deture that could have bee repaired or exteded. This is a list of some of our exclusios. For a full list of excluded services ad supplies, or for all limitatios, please refer to your policy. 13
14 HAve QUeSTioNS? If you re a potetial member with a questio: Call us: Fax us: Mail us: P.O. Box Columbia, SC HCRfacts.com visit a South Carolia BLUe retail ceter for: Face-to-face service Free classes ad semiars Bill paymet Expert advice Greeville 1025 Woodruff Road Suite A105 Greeville, SC BLUE (2583) Mout Pleasat Towe Cetre Place 1795 Highway 17 North, Uit 7 Mout Pleasat, SC opeig october
Summary of Benefits. Management Consulting & Research, LLC
Summary of Beefits Maagemet Cosultig & Research, LLC All MCR Full Time Employees ad all other Full Time Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet
More informationPlan highlights. Effective January to June Small Business
Pla highlights Effective Jauary to Jue 2010 2010 Small Busiess welcome to kaiser permaete O these pages, you ll fid a overview of available pla beefits for small busiesses. A full listig of all Kaiser
More informationTENS Unit Prior Authorization Process
TENS Uit Prior Authorizatio Process Objectives Uderstad the HUSKY Health program s prior authorizatio process for TENS uits (Trascutaeous Electrical Nerve Stimulatio) Access the DSS Fee Schedule Reduce
More informationSummary of Benefits HAMPSHIRE COLLEGE
Summary of Beefits HAMPSHIRE COLLEGE All Employees other tha Dea of Faculty ad VP of Fiace ad Admiistratio Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationTUSCULUM COLLEGE. Group Number:
The Guardia Life Isurace Compay of America, New York, NY 10004 Group Number: 00498351 TUSCULUM COLLEGE Here you'll fid iformatio about your followig employee beefit(s). Be sure to review the eclosed -
More informationguaranteed universal life
guarateed uiversal life Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L8416_0314 For Producer use oly. Not for use with the geeral public. 1 Guaratee your cliets future. Guarateed
More informationSummary of Benefits WESTERN MISSOURI MEDICAL CENTER
Summary of Beefits WESTERN MISSOURI MEDICAL CENTER All Full Time Maagemet ad Physicias other tha Executives Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationguaranteed universal life express (gule)
guarateed uiversal life express (gule) Guaratee tomorrow. Focus o today. Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L7464_0314 For Producer use oly. Not for use with the
More informationFor More info... For effective dates January 1 June 1, 2013
2013 small busiess CALIFORNIA Pla highlights For effective dates Jauary 1 Jue 1, 2013 Email us at Steve@SteveShorr.com to get a OFFICIAL clea umarked copy of this brochure or click lik below if it's available
More information2011 small business California. Plan highlights. Effective January to June 2011
2011 small busiess Califoria Pla highlights Effective Jauary to Jue 2011 2011 Small Busiess Cotets 2 3 4 5 6 8 10 13 19 Copaymet plas Predictable out-of-pocket costs ad o aual deductible to meet for medical
More informationClaims. At a glance. Claims Contact Information. Coordination of Benefits Health Reserve Account Claims Making Oxford MyPlan sm Work for You
At a glace Medical Claim Submissio Basics Usual, Customary ad Reasoable Allowaces Deductibles, Coisurace ad Out-of-Pocket Maximums Coordiatio of Beefits Health Reserve Accout Claims Makig Oxford MyPla
More informationAetna Advantage Plans for Individuals, Families and Sole Proprietors
Aeta Advatage Plas for Idividuals, Families ad Sole Proprietors Health Coverage For You ad Your Family Arizoa 14.02.305.1-AZ (4/06) Aeta Advatage Plas for Idividuals, Families ad Sole Proprietors Icludig
More informationYOUR HEALTH IS OUR. cause. Out-of-Area PPO Plans. Kaiser Permanente Insurance Company
YOUR HEALTH IS OUR cause. Out-of-Area PPO Plas Kaiser Permaete Isurace Compay At Kaiser Permaete, we uderstad the eed to care for the whole you mid, body, ad spirit. We re here to help you take a active
More informationLife & Disability Insurance. For COSE Employer Groups with 10+ Employees
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationSummary of Benefits THE SCRIPPS RESEARCH INSTITUTE
Summary of Beefits THE SCRIPPS RESEARCH INSTITUTE All Active Full Time Beefit Eligible Employees Workig i Califoria Basic Term Life, Basic Accidetal Death & Dismembermet, Buy-Up Term Life, Buy-Up Depedet
More informationLooking Ahead. Get Ready for NAF Open Enrollment November 4 29, News and Updates to Help You Prepare for Open Enrollment FSC
Att: FA-T (Beefits) PO Box 650428 Dallas, Texas 75265-0428 Get Ready for NAF Ope Erollmet November 4 29, 2013 FSC CCG DoDAAFES-0007-A (10/13) 2013 Aeta Ic. Lookig Ahead News ad Updates to Help You Prepare
More informationCOSE Health and Wellness Trust 1240 Huron Road, Suite 300 Cleveland, OH
COSE Health ad Welless Trust 1240 Huro Road, Suite 300 Clevelad, OH 44115-1717 2016 Medical Mutual of Ohio Z8116-GHP R10/16 COSE Health ad Welless Trust A self-fuded beefit optio for small group employers
More information2012 BMC Software U.S. Benefits Guide BENEFITS THAT FIT BMC Software U.S. Benefits Guide
2012 BMC Software U.S. Beefits Guide BENEFITS THAT FIT 2012 BMC Software U.S. Beefits Guide 2012 BMC Software U.S. Beefits Guide Table of Cotets BMC Beefits that Fit Beefits Overview... 2 A Shared Resposibility....
More informationBenefits as Part of Compensation. Professional Development Series September 11, 2017 Elizabeth G. Levitzky, MBA, PhD
Beefits as Part of Compesatio Professioal Developmet Series September 11, 2017 Elizabeth G. Levitzky, MBA, PhD Employer Paid Beefits Cost the employer approximately 35-40% of aual compesatio Shared Costs
More informationSummary of Benefits RRD
Summary of Beefits RRD All Eligible Employees Basic Term Life, Optioal Term Life, Optioal Depedet Term Life ad Optioal Accidetal Death & Dismembermet Issued by The Prudetial Isurace Compay of America Effective:
More informationLimited Benefit Group Cancer Indemnity Insurance GC-3 (includes Continuation Rider)
Limited Beefit Group Cacer Idemity Isurace GC-3 (icludes Cotiuatio Rider) APSB-21861(FL)-1014 APSB-21861(FL)-1014 (SM) Citrus Couty School Board Citrus Couty School Board APS-1883 Geeric-EE Summary of
More informationGC-3 Group Cancer Indemnity Insurance
Limited Beefit Group Cacer Idemity Isurace GC-3 GC-3 Group Cacer Idemity Isurace Group Cacer Mothly Premiums (Composite Rates) THIS IS NOT A POLICY OF WORKERS COMPENSATION INSURANCE. THE EMPLOYER DOES
More informationEvidence of Coverage:
Jauary 1 December 31, 2012 Evidece of Coverage: Your Medicare Prescriptio Drug Coverage as a Member of CIGNA Medicare Rx Pla Two (PDP) Medicare Prescriptio Drug Pla This booklet gives you the details about
More informationFEHB. Health Benefits Coverage for Noncareer Employees
FEHB Health Beefits Coverage for Nocareer Employees Notice 426 September 2005 The Federal Employees Health Beefits (FEHB) Program permits certai ocareer (temporary) employees to obtai health isurace, if
More informationAccelerated Access Solution. Chronic Illness Living Benefit (California Only) Access your death benefits while living.
Chroic Illess Livig Beefit (Califoria Oly) Access your death beefits while livig. Accelerated Access Solutio Chroic Illess Accelerated Death Beefit Rider (optioal) for Secure Lifetime GUL 3; Value+ Protector
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationAccumUL Plus. United of Omaha Life Insurance Company A Mutual of Omaha Company. product guide
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay AccumUL Plus product guide L7864_1211 Product base pla features, provisios ad riders may ot be approved i all states. For producer use oly. Not
More informationGuide to Your Benefits and Enrollment
2013 2014 Guide to Your Beefits ad Erollmet Arizoa School Boards Associatio Isurace Trust Fid Balace Betwee a Good Life ad Good Health Joi us! Are you ready to commit to a health pla that ca help restore
More informationFLEXIBLE. Increase Your Spending Power. Spending Accounts. Learn More Online
FLEXIBLE Spedig Accouts Icrease Your Spedig Power Flexible Spedig Accouts (FSAs) allow you to pay for out-of-pocket health care ad depedet day care expeses with tax-free moey. You deposit a set amout out
More informationCommunity Connections, Inc.
A Quick Look at Your Beefits ad Erollmet Commuity Coectios, Ic. Group #13579 Eroll with Meritai Health today to take your ext step towards a healthier, balaced tomorrow. Meritai Health kows how importat
More informationSTRAND: FINANCE. Unit 3 Loans and Mortgages TEXT. Contents. Section. 3.1 Annual Percentage Rate (APR) 3.2 APR for Repayment of Loans
CMM Subject Support Strad: FINANCE Uit 3 Loas ad Mortgages: Text m e p STRAND: FINANCE Uit 3 Loas ad Mortgages TEXT Cotets Sectio 3.1 Aual Percetage Rate (APR) 3.2 APR for Repaymet of Loas 3.3 Credit Purchases
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationHow copayment plans work
Idividuals ad Families Plas Copaymet Pla How copaymet plas work Copaymet plas are the simplest to use ad to uderstad. No services are subject to a deductible. With copaymet plas, you pay set charges (or
More informationStarmark Healthy Choices SM
Starmark Healthy Choices SM Referece-Based Pricig Pla Desigs Self-Fuded Health Pla Desigs ad Stop-Loss Isurace for Small to Mid-Size Busiesses Starmark Healthy Choices SM Desiged specifically to address
More informationSection 3.3 Exercises Part A Simplify the following. 1. (3m 2 ) 5 2. x 7 x 11
123 Sectio 3.3 Exercises Part A Simplify the followig. 1. (3m 2 ) 5 2. x 7 x 11 3. f 12 4. t 8 t 5 f 5 5. 3-4 6. 3x 7 4x 7. 3z 5 12z 3 8. 17 0 9. (g 8 ) -2 10. 14d 3 21d 7 11. (2m 2 5 g 8 ) 7 12. 5x 2
More informationfor a secure Retirement Foundation Gold (ICC11 IDX3)* *Form number and availability may vary by state.
for a secure Retiremet Foudatio Gold (ICC11 IDX3)* *Form umber ad availability may vary by state. Where Will Your Retiremet Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americas,
More informationTHE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE
THE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE Table of Cotets 1 Letter from the Executive Director 2 Uderstadig Your Beefits 4 New Hire Erollmet Process 6 Medical Plas 10 Detal Plas 12 Visio Pla 14 Group
More informationGuide for. Plan Sponsors. Roth 401(k) get retirement right
Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay mutual of omaha retiremet services Roth 401(k) Guide for Pla Sposors MUGC8764_0210 get retiremet right roth 401(k) expads your optios Drive
More informationT4032-BC, Payroll Deductions Tables CPP, EI, and income tax deductions British Columbia Effective January 1, 2016
T4032-BC, Payroll Deductios Tables CPP, EI, ad icome tax deductios British Columbia Effective Jauary 1, 2016 T4032-BC What s ew as of Jauary 1, 2016 The major chages made to this guide, sice the last editio,
More informationABCDEFGH Helpful Hints from specified disease claims department to guide you through filing your cancer, heart, stroke or accident claim with Conseco
CONSECO COMPANIES ABCDEFGH Helpful Hits from specified disease claims departmet to guide you through filig your cacer, heart, stroke or accidet claim with Coseco We value you as a policyholder ad wat to
More informationCAPITAL PROJECT SCREENING AND SELECTION
CAPITAL PROJECT SCREEIG AD SELECTIO Before studyig the three measures of ivestmet attractiveess, we will review a simple method that is commoly used to scree capital ivestmets. Oe of the primary cocers
More informationStarmark HealthyEdge SM
Simple pla desig. Tools to maage costs. Starmark HealthyEdge SM PPO Advatage Pla Desigs Self-Fuded Health Pla Desigs ad Stop-Loss Isurace Specifically for Busiesses With Te or More Employees Starmark HealthyEdge
More informationFiling a first time Long-Term Care (LTC) Insurance Claim with Bankers Life and Casualty Company
Filig a first time Log-Term Care (LTC) Isurace Claim with Bakers Life ad Casualty Compay The purpose of this istructioal documet is to assist you through the claim filig process. There is importat iformatio
More informationEstimating Proportions with Confidence
Aoucemets: Discussio today is review for midterm, o credit. You may atted more tha oe discussio sectio. Brig sheets of otes ad calculator to midterm. We will provide Scatro form. Homework: (Due Wed Chapter
More informationParamount Insurance Company Large Group Ohio Commercial HMO Member Handbook
Paramout Isurace Compay Large Group Ohio Commercial HMO Member Hadbook www.paramoutisuracecompay.com Paramout is the health isurace optio that offers a diverse lie of products, a broad provider etwork,
More informationT4032-ON, Payroll Deductions Tables CPP, EI, and income tax deductions Ontario Effective January 1, 2016
T4032-ON, Payroll Deductios Tables CPP, EI, ad icome tax deductios Otario Effective Jauary 1, 2016 T4032-ON What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are outlied.
More informationCHAPTER 2 PRICING OF BONDS
CHAPTER 2 PRICING OF BONDS CHAPTER SUARY This chapter will focus o the time value of moey ad how to calculate the price of a bod. Whe pricig a bod it is ecessary to estimate the expected cash flows ad
More informationsummary of cover CONTRACT WORKS INSURANCE
1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.
More informationHelping you reduce your family s tax burden
The RBC Do m i i o Se c u r i t i e s Family Trust Helpig you reduce your family s tax burde Professioal Wealth Maagemet Sice 1901 1 RBC Domiio Securities Charitable Gift Program Who should cosider a RBC
More informationREINSURANCE ALLOCATING RISK
6REINSURANCE Reisurace is a risk maagemet tool used by isurers to spread risk ad maage capital. The isurer trasfers some or all of a isurace risk to aother isurer. The isurer trasferrig the risk is called
More informationUS Dollar Bank Account
FACT SHEET Page 1 of 3 Please keep for future referece US Dollar Bak Accout Call us o 0800 092 3300 Fact Sheet (icludig Fiacial Services Compesatio Scheme (FSCS) Iformatio Sheet & Exclusios List) The US
More informationParamount Insurance Company Small/Large Group Ohio Commercial HMO Member Handbook
Paramout Isurace Compay Small/Large Group Ohio Commercial HMO Member Hadbook www.paramoutisuracecompay.com Paramout is the health isurace optio that offers a diverse lie of products, a broad provider etwork,
More informationLife & Disability Insurance. For COSE Employer Groups with 1 9 Employees
Life & Disability Isurace For COSE Employer Groups with 1 9 Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationPension Annuity. Policy Conditions Document reference: PPAS1(6) This is an important document. Please keep it in a safe place.
Pesio Auity Policy Coditios Documet referece: PPAS1(6) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity. These
More informationMARYLAND ASSOCIATION OF BOARDS OF EDUCATION. Basic Term Life. Basic Accidental Death & Dismemberment
Summary of Beefits MARYLAND ASSOCIATION OF BOARDS OF EDUCATION All Somerset Couty Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life ad Depedet Term Life Issued by The Prudetial
More informationArt & Private Client insurance policy SUMMARY OF COVER
Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What
More informationYour summary of cover. Saga Motorhome Insurance
Your summary of cover Saga Motorhome Isurace Cotets Your itroductio to Saga Motorhome Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose
More informationliving well in retirement Adjusting Your Annuity Income Your Payment Flexibilities
livig well i retiremet Adjustig Your Auity Icome Your Paymet Flexibilities what s iside 2 TIAA Traditioal auity Icome 4 TIAA ad CREF Variable Auity Icome 7 Choices for Adjustig Your Auity Icome 7 Auity
More informationLV= FLEET INSURANCE POLICY SUMMARY
Policy Uderwritte by: Highway Isurace Compay Ltd, Highway House, 171 Kigs Road, Bretwood, Essex CM14 4EJ LV= FLEET INSURANCE POLICY SUMMARY Some importat facts about your Fleet Isurace are summarised below.
More informationT4032-MB, Payroll Deductions Tables CPP, EI, and income tax deductions Manitoba Effective January 1, 2016
T4032-MB, Payroll Deductios Tables CPP, EI, ad icome tax deductios Maitoba Effective Jauary 1, 2016 T4032-MB What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are
More informationCalculation of the Annual Equivalent Rate (AER)
Appedix to Code of Coduct for the Advertisig of Iterest Bearig Accouts. (31/1/0) Calculatio of the Aual Equivalet Rate (AER) a) The most geeral case of the calculatio is the rate of iterest which, if applied
More informationUsing Math to Understand Our World Project 5 Building Up Savings And Debt
Usig Math to Uderstad Our World Project 5 Buildig Up Savigs Ad Debt Note: You will have to had i aswers to all umbered questios i the Project Descriptio See the What to Had I sheet for additioal materials
More information0.07. i PV Qa Q Q i n. Chapter 3, Section 2
Chapter 3, Sectio 2 1. (S13HW) Calculate the preset value for a auity that pays 500 at the ed of each year for 20 years. You are give that the aual iterest rate is 7%. 20 1 v 1 1.07 PV Qa Q 500 5297.01
More informationYour guide to Protection Trusts
Your guide to Protectio Trusts Protectio Makig the most of your Aviva protectio policy Nobodylikestothikaboutwhatwill happewhetheyhavegoe.you realready thikigaheadbyhavigaprotectiopolicy iplace,whichcouldhelptheoesyoulove
More information2018 Benefits Guide. ThinkSmart. ThinkAhead
2018 Beefits Guide ThikSmart. ThikAhead Usig Your Guide Aswers to your beefit questios throughout the year Decisio tool durig Ope Erollmet Quick referece for beefit cotacts Table of Cotets Your Beefits,
More informationReceipt Date. You must answer all questions in ink and the application must be signed and notarized, or it will be rejected.
Office of the New York State Comptroller New York State ad Local Retiremet System Mail completed form to: NEW YORK STATE AND LOCAL RETIREMENT SYSTEM 110 STATE STREET - MAIL DROP 5-9 ALBANY NY 12244-0001
More informationAPPLICATION OF GEOMETRIC SEQUENCES AND SERIES: COMPOUND INTEREST AND ANNUITIES
APPLICATION OF GEOMETRIC SEQUENCES AND SERIES: COMPOUND INTEREST AND ANNUITIES Example: Brado s Problem Brado, who is ow sixtee, would like to be a poker champio some day. At the age of twety-oe, he would
More informationLife Products Bulletin
Life Products Bulleti Tredsetter Super Series Tredsetter Super Series: 2009 Chages Effective September 1, 2009, Trasamerica Life Isurace Compay is releasig ew rates for Tredsetter Super Series level premium
More informationAbout Your Health Care Benefits. Amended and Restated as of January 1, 2005
About Your Health Care Beefits Ameded ad Restated as of Jauary 1, 2005 Itroductio...1 Eligibility...2 For employees...2 If you both work for Citigroup...2 For depedets...3 Qualified Medical Child Support
More information43. A 000 par value 5-year bod with 8.0% semiaual coupos was bought to yield 7.5% covertible semiaually. Determie the amout of premium amortized i the 6 th coupo paymet. (A).00 (B).08 (C).5 (D).5 (E).34
More informationAgent product guide. Advantage Builder II. Indexed Universal Life /09
Aget product guide Advatage Builder II Idexed Uiversal Life 16480 1/09 Advatage Builder II Idexed Uiversal Life is a flexible premium uiversal life isurace policy with a idex-liked iterest creditig feature.
More informationKEY INFORMATION DOCUMENT CFD s Generic
KEY INFORMATION DOCUMENT CFD s Geeric KEY INFORMATION DOCUMENT - CFDs Geeric Purpose This documet provides you with key iformatio about this ivestmet product. It is ot marketig material ad it does ot costitute
More informationDisability Retirement Application
Name Last First MI Accidetal Ordiary Both Disability Retiremet Applicatio I N S T R U C T I O N S M A I N O F F I C E 500 Rutherford Ave., Suite 210 Charlestow, MA 02129-1628 Phoe 617-679-MTRS (6877) Fax
More informationReach higher with all of US
Reach higher with all of US Reach higher with all of US No matter the edeavor, assemblig experieced people with the right tools ehaces your chaces for success. Whe it comes to reachig your fiacial goals,
More information1 + r. k=1. (1 + r) k = A r 1
Perpetual auity pays a fixed sum periodically forever. Suppose a amout A is paid at the ed of each period, ad suppose the per-period iterest rate is r. The the preset value of the perpetual auity is A
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2019
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 Putam Couty Schools : Pla 1 Coverage for: Sigle Pla Type: PPO The Summary
More informationImportant Questions Answers Why This Matters: What is the overall deductible?
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 City of Maumee : HDHP Coverage for: Sigle or Family Pla Type: PPO The Summary
More informationYour Appeal Rights Under the Income Tax Act
Your Appeal Rights Uder the Icome Tax Act P148(E) Rev. 00 3327 Visually impaired persos ca get iformatio o services available to them, ad ca order publicatios i braille or large prit, or o audio cassette
More informationCollections & Recoveries policy
Collectios & Recoveries policy The purpose of this policy is to set out the actio Ledy takes to ecourage borrowers to repay their loas withi term. This policy also serves to set out the actio Ledy takes
More informationDental Coverage. Hoffman Enterprises
Hoffma Eterprises Detal Coverage Here is your ew detal coverage, which icludes your erollmet form. Make sure you retur the completed form, if applicable, to your pla admiistrator. If you miss the deadlie,
More informationConfidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the.
Cofidece Itervals A cofidece iterval is a iterval whose purpose is to estimate a parameter (a umber that could, i theory, be calculated from the populatio, if measuremets were available for the whole populatio).
More informationImportant Questions Answers Why This Matters: What is the overall deductible? What is not included in the out-of-pocket limit?
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 City of Maumee : PPO Coverage for: Sigle or Family Pla Type: PPO The Summary
More informationCurrent Year Income Assessment Form 2017/18
Curret Year Icome Assessmet Form 2017/18 Persoal details Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address Postcode Postcode If you
More informationBaltimore County Public Schools. Benefits Enrollment & Reference Guide. Open Enrollment Period October 10 November 11, 2016
Baltimore Couty Public Schools Beefits Erollmet & Referece Guide Ope Erollmet Period October 10 November 11, 2016 Effective Jauary 1, 2017 December 31, 2017 Table of Cotets Letter from the Superitedet...1
More information(Zip Code) OR. (State)
Uiform Applicatio for Ivestmet Adviser Registratio Part II - Page 1 Name of Ivestmet Adviser: Stephe Craig Schulmerich Address: (Number ad Street) 10260 SW Greeburg Rd. Ste 00 (State) (City) Portlad (Zip
More informationMedical Mutual : SMP P Double Deductible Summary of Benefits and Coverage: What This Plan Covers & What it Costs
Coverage Period: 02/01/2017-01/31/2018 This is oly a summary. If you wat more detail about your coverage ad costs, you ca get the complete terms i the policy or pla documet at MedMutual.com/SBC or by callig
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2018
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2018-12/31/2018 GCP/COSE MEWA : HSA 2000 W MMRX (AGG) Coverage for: Family Pla Type: PPO
More informationToday: Finish Chapter 9 (Sections 9.6 to 9.8 and 9.9 Lesson 3)
Today: Fiish Chapter 9 (Sectios 9.6 to 9.8 ad 9.9 Lesso 3) ANNOUNCEMENTS: Quiz #7 begis after class today, eds Moday at 3pm. Quiz #8 will begi ext Friday ad ed at 10am Moday (day of fial). There will be
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2019
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 CUYAHOGA COMMUNITY COLLEGE : Preferred Choice PPO Pla Coverage for: Sigle
More informationCity of Maumee : A2 & B2
This is oly a summary. If you wat more detail about your coverage ad costs, you ca get the complete terms i the policy or pla documet at MutualHealthServices.com/SBC or by callig 800.367.3762. Importat
More informationHelpful Hints From the Claims Department to guide you through filing your Wellness Benefit claim
CONSECO COMPANIES Helpful Hits From the Claims Departmet to guide you through filig your Welless Beefit claim We value you as a customer ad wat to make the process of filig a claim as fast ad as simple
More informationInferential Statistics and Probability a Holistic Approach. Inference Process. Inference Process. Chapter 8 Slides. Maurice Geraghty,
Iferetial Statistics ad Probability a Holistic Approach Chapter 8 Poit Estimatio ad Cofidece Itervals This Course Material by Maurice Geraghty is licesed uder a Creative Commos Attributio-ShareAlike 4.0
More informationPlus Portfolio. Mutual Care. AGENT and UNDERWRITING GUIDE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work. Long-Term Care Insurance
Mutual Care Mutual of Omaha Isurace Compay Plus Portfolio Log-Term Care Isurace AGENT ad UNERWRITING GUIE Mutual Care 3 & 5 Mutual Care My Way Mutual Care at Work M27833 For producer use oly. Not for use
More informationSecurely managed insurance solutions. White Rock Netherlands Protected Cell Company
Securely maaged isurace solutios White Rock Netherlads Protected Cell Compay About us White Rock is a uique ad leadig group of isurace ad reisurace vehicles with operatios i a umber of key domiciles icludig
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2019
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 Highway Patrol Retiremet System : PPO Coverage for: Sigle or Family Pla Type:
More informationRetirement is a term that means something different to everyone, with the definition
Fiacial Toolkit Retiremet is a term that meas somethig differet to everyoe, with the defiitio largely depedet o a perso s age, career status, bak accout, family makeup, ad other factors. While the meas
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2019
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 REYNOLDSBURG CITY SCHOOLS : Pla 1 Coverage for: Sigle or Family Pla Type:
More informationImportant Questions Answers Why This Matters: What is the overall deductible?
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2018-12/31/2018 ODAWT : SMP 2000/4000 Coverage for: Sigle or Family Pla Type: PPO The Summary
More informationHighest Daily Lifetime Seven SM Spousal Highest Daily Lifetime Seven SM
Optioal Icome beefits Highest Daily Lifetime Seve SM Spousal Highest Daily Lifetime Seve SM Daily Opportuities to Capture Greater Lifetime Icome HD Lifetime Seve ad Spousal HD Lifetime Seve Offer:» Miimum
More informationSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/ /31/2019
Summary of Beefits ad Coverage: What this Pla Covers & What You Pay For Covered Services Coverage Period: 01/01/2019-12/31/2019 Putam Couty Schools : Pla 4 Coverage for: Sigle or Family Pla Type: PPO The
More information