Medical Travel for Self-Funded Employers
|
|
|
- Spencer Gyles May
- 5 years ago
- Views:
Transcription
1 Medical Travel for Self-Funded Employers Orange County Employee Benefits Council Winter 2012 Presented By Jim DiFalco Medical Travel Consultant February 9, 2012
2 What Changed Since 2008? Facilitators focused on corporate market Self-funded plans adding medical travel option RFP s Domestic medical travel added JCI accreditations for international facilities Facilitators add Medical Directors to staff Implementation processes defined Recommended plan document language Captives adding medical travel to program TPA s embedding medical travel into standard plans Patient independent research Employees/dependents traveling for care Very high marks for medical travel experience 2
3 What to cover today? Demonstrate to the benefits advisors the advantages of a well managed medical travel program so you can introduce the concept to you self-funded clients/prospects. what a benefits advisor should look for when considering a medical travel option for a benefits plan case study on how a medical travel program was investigated, sold and implemented case study on a group that has been utilizing a medical travel program since
4 What is Medical Travel? Definition: Traveling outside your immediate geography to get medical care Types of procedures: Orthopedic surgery (knee/hip replacement) Heart surgery (CABG, Valve Replacements) Spine Surgery (Disc Fusion, Laminectomy) Cancer Treatments (DaVinci) Live DonorTransplants (Kidney, Liver) CCSVI Stem Cells 4
5 What isn t Medical Travel? 5
6 Groups interested in Medical Travel High utilization of elective procedures Monopolistic practices of local providers Captives Poor outcomes from local providers Pockets of employees from certain countries/regions (e.g. India, Latin America, etc.) High deductible benefit plan 6
7 Savings Potential US Average Procedure (Insurer Paid) 1 Case Rate 2 Employer Savings % Savings CABG $ 80,000 $ 20,947 $ 59,053 74% Heart Valve Replacement $ 90,000 $ 23,760 $ 66,240 74% Cervical Discectomy with $ 70,000 $ 33,409 $ 36,591 52% Fusion Hip Replacement $ 60,000 $ $ 43,221 72% 1 Source: AHA and CA health plan 2 Includes air fare for two, lodging, per diem, facilitator fee 7
8 Network - Quality and Outcomes Quality Measure US Averages (%) Provider Averages (%) Hospital Acquired Infections Surgical Site Infections Surgical Outcomes Survival % US Survival% Abroad Heart Bypass Liver Transplant US Centers for Disease Control Fortis Hospital, India November 07 thru May According to the Society of Thoracic Surgeons (STS) National Database, the US average risk-adjusted 30-day all causes mortality rate for CABG was 2.1% in National average data acquired from the Scientific Registry of Transplant Recipients at Survival after 1 year. 5. Internal data 8
9 What services does a medical travel facilitator perform? Manages a network of facilities and physicians Educates prospective patients about care options Arranges for care in chosen facility including exchange of medical records Professionally manages each medical case Aids in implementation of a medical travel program Integrates claims operations with the TPA Recommends plan design changes Recommends program launch strategies 9
10 What facilitator features to consider Has domestic and international providers with JCI accreditation Staffs a Chief Medical Officer Offers tools to assess the need for surgery (sometimes says no ) Provides case rates for procedures Vertical integration of functions Deep understanding of self-funding including stop loss Electronic claims transfers with TPA Understands risk concerns and can offer solutions Ability to do PEPM or per use billing 10
11 Case Study Chenega Corporation Introduction by broker Decision making process Savings TPA role Risk mitigation Plan design Launch First medical traveler 11
12 Case Study Chenega Corp (ANC) Chenega Corporation Profile Health Benefits $1.15 Billion Company Provided to all employee classes 5300 Employees PPO and CDHP in a self-funded VEBA trust Primary Focus on Government Contracting $30 MM annual flow through trust 12
13 Medical Travel s Introduction to Chenega 13
14 Key Issues Raised By Chenega Are the cost savings real? Is international medical treatment credible? Incorrect perception that US has best health case system Perceived hassles of travel to distant locations Safety, cleanliness, qualifications Will claims accrue to stop loss? What additional liability could Chenega incur? Could the medical travel program be seamlessly weaved into the existing Chenega health plan administered by Aetna? 14
15 Key Departments at Chenega and their Roles Human Resources Legal Improve benefits offered, manage costs, assess risk Contract review and advice Finance Risk Cost analysis and justification Engaged P&C broker; reviewed fiduciary and general liability policies 15
16 Chenega Cost Savings Analysis $450,000 $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $- INDIA MEXICO 16
17 Key Issues Integrating with Aetna New processes developed to handle claims payment and inquiries on a low volume of patients / procedures Support in explaining benefits and options to members Charging costs against stop-loss Support in cost-justification process Aetna Integrating with Aetna-produced communications, benefit summaries and SPD s 17
18 Aetna Engagement Senior Management Account Team Claims* Underwriting Gave final approval to Account team to support the Medical Travel option Led coordination of program between broker, WMA and Chenega Gave guidance to WMA on how to complete and file all claims Provides WMA with cost estimates of procedures if done in the US * Confirmed all claims would accumulate to specific and aggregate stop loss. 18
19 Risk Mitigation - Liability Liability Mitigation Patient education Waivers Facilitator due diligence Review of existing liability protections in place with P&C broker General liability Fiduciary liability Discussion with P&C Broker Additional insurance investigation [Note: Chenega decided they had enough coverage. No changes were necessary] 19
20 Risk Mitigation Medical Complications Medical Complications Insurance Available for purchase by Chenega Per event Analysis of coverage [Note: Chenega decided to self-fund medical complications]. 20
21 Plan Design Employed by Chenega Offer entire domestic and international network Airfare, lodging, per diem for two Waived deductible Waived Coinsurance Waived PTO (with cap) Business Class Travel (based on guidelines) Cash Incentive as a percentage of savings 21
22 Chenega s Medical Travel Launch Human resource managers trained on program (April) Webinars hosted by facilitator Internal training Mailer to all employees Utilized templates provided by facilitator Letter from senior management Flyer FAQ Process Incentives Employee webinars presented by facilitator 22
23 Chenega s First Medical Traveler Summary of Condition Destination Provider Two level spinal fusion Chose surgeon at Fortis Hospitals, India Travel Details Chenega Savings Business Class travel for two. One week recovery / rehab in hotel near hospital. Dates of service August 8 thru August 27, 2011 Based on Aetna s estimates, plan saved anywhere from $12,000 to $32,000 (see next) 23
24 Chenega s First Medical Traveler The care I received was on par, if not superior, to what I could get in the States The Medical Travel option is a significant enhancement to my company s benefit package. 24
25 Case Study East Coast Manufacturer* US Manufacturer with 3,500 employees - background: Program introduced by broker and facilitator Director of Human Resources was program champion Plan design: Waived deductible Waived coinsurance Travel, lodging and per diem for two Cash incentive for medical traveler Program launched in 2008 * Source: Fortis Hospitals 2010 Case Study 25
26 Case Study East Coast Manufacturer* US Manufacturer with 3,500 employees results: Sixty patients traveled for care Procedures performed abroad: Spine (fusion, cervical/lumbar disc replacement) 16 Heart (bypass, valve replacement) 11 Joint replacements (hip, knee) 27 Gastric bypass 6 Total savings - $1.7mm ( ) 40 travelers in 2010 and 2011 * Source: Fortis Hospitals 2010 Case Study 26
27 Questions and Contact Information Jim DiFalco
What You should Know about Medical Travel and the Potential Impact on the Cost of Your Healthcare Benefits!
What You should Know about Medical Travel and the Potential Impact on the Cost of Your Healthcare Benefits! PRESENTED BY Terry W. White March 12, 2009 Presentation Overview Problem: US Healthcare system
Health Services in Jordan and Quality of Care
Health Services in Jordan and Quality of Care Private Hospitals Association Dr. Abdalla Bashir Amman, June 2010 Jordan Jordan is undergoing a transformation into an international business hub centering
Medical Tourism Defined
Medical Tourism Defined What is Medical Tourism? Medical Tourism occurs when people who live in one country travel to another country to receive medical, dental and surgical care for either better quality,
Competition is Healthy
Competition is Healthy How Medical Tourism is making changes in the US Healthcare System Presented By Rudy Rupak Who Are Medical Tourists? THE CONSUMER IS EVOLVING RAPIDLY Used to be the uninsured. Too
Strategic Purchasing of Medical Devices
Strategic Purchasing of Medical Devices James C. Robinson Leonard D. Schaeffer Professor of Health Economics Director, Berkeley Center for Health Technology University of California, Berkeley Overview
Medicare Part D Notice: The benefits in this summary are effective:
Medicare Part D Notice: If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage.
Controlling Hospital Charges for Self-funded Plans
Controlling Hospital Charges for Self-funded Plans Phillip C. Giles, CEBS Vice President Sales & Marketing QBE North America Accident & Health As more employers self-fund their employee healthcare coverage,
Aetna Senior Supplemental Insurance
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Senior Supplemental Insurance Includes all products underwritten by: American Continental Insurance Company
The Role of the Actuary in Employee Benefits
The Role of the Actuary in Employee Benefits Topics to Cover Healthcare Review Underwriting Review Funding Mechanisms in Employee Benefits Fully Insured Self Insured Actuarial Practice Overview Role of
Critical Illness. Standard Life and Accident Insurance Company INSURANCE SLA-CIBR10/11
Critical Illness INSURANCE Standard Life and Accident Insurance Company SLA-CIBR10/11 Critical Illnesses happen more often In the United States: About Every 34 Seconds Someone Suffers a Heart Attack. 1
Archived SECTION 14 - SPECIAL DOCUMENTATION REQUIREMENTS. Section 14 - Special Documentation Requirements
SECTION 14 - SPECIAL DOCUMENTATION REQUIREMENTS 14.1 PROCEDURAL PROCESS FOR TRANSPLANT PRIOR AUTHORIZATION... 3 14.1.A EMERGENCY OR CONDITIONAL AUTHORIZATION... 5 14.1A(1) Facility Approval Pending...
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
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
Florida Medicaid. Transplant Services Coverage Policy. Agency for Health Care Administration
Florida Medicaid Agency for Health Care Administration Table of Contents 1.0 Introduction... 1 1.1 Description... 1 1.2 Legal Authority... 1 1.3 Definitions... 1 2.0 Eligible Recipient... 2 2.1 General
THE ORIENTAL INSURANCE CO. LTD.
Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS GENERAL BENEFITS Adult: 18 Years Child: 31 days Adult: Up to
THE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
Reference Based Benefits (RBB) Questions and Answers (Revised 12/2/2015)
Reference Based Benefits (RBB) Questions and Answers (Revised 12/2/2015) What is the Reference Based Benefits program? In a Reference Based Benefits (RBB) Program, insurers, such as Anthem, establish a
Your Plan: 2018 Classic PPO Plan (1122 and ZOJZ) Your Network: Prudent Buyer PPO
Anthem Blue Cross Your Plan: 2018 Classic PPO Plan (1122 and ZOJZ) Your : Prudent Buyer PPO ACWA JPIA C00361 This summary of benefits is a brief outline of coverage, designed to help you with the selection
UNIVERSITY OF SOUTHERN CALIFORNIA. January 1, Prudent Buyer WL PB (400/80/50) MODIFIED
UNIVERSITY OF SOUTHERN CALIFORNIA January 1, 2013 Prudent Buyer WL175082-2 1012 PB (400/80/50) MODIFIED COMPLAINT NOTICE Should you have any complaints or questions regarding your coverage, and this certificate
Your Plan: 2018 Advantage PPO Plan (S828 and Z0KC) Your Network: Prudent Buyer PPO
Anthem Blue Cross Your Plan: 2018 Advantage PPO Plan (S828 and Z0KC) Your : Prudent Buyer PPO ACWA JPIA C00361 This summary of benefits is a brief outline of coverage, designed to help you with the selection
Prudent Buyer Plan Benefit Booklet
COUNTY OF FRESNO (ACTIVE EMPLOYEES) December 10, 2013 Prudent Buyer Plan Benefit Booklet SPD275341-1 0214 (PB 250-20/0/50) (ACTIVE EMPLOYEES) (CC:OPRC) Dear Plan Member: This Benefit Booklet provides a
CITY OF CHICO. January 1, Prudent Buyer Plan Lumenos Health Savings Account Benefit Booklet. SPD PB Lumenos HSA (3000/100/50)
CITY OF CHICO January 1, 2015 Prudent Buyer Plan Lumenos Health Savings Account Benefit Booklet SPD175075-50 315 PB Lumenos HSA (3000/100/50) Dear Plan Member: This Benefit Booklet provides a complete
CRITICAL ILLNESS INSURANCE. Oasis. Critical coverage at critical times
CRITICAL ILLNESS INSURANCE Oasis Critical coverage at critical times Suffering a critical illness or condition may be more likely than you think. There are an estimated 70,000 heart attacks in Canada each
Large Group Medical Proposal Request form To be used for large groups with claims experience
Large Group Medical Proposal Request form To be used for large groups with claims experience Employer information Requested Effective Date: Requested Due Date: Company Name: Address (Street, City, State,
Critical illness insurance
Critical illness insurance Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make
LEIDOS. January 1, BC PPO Plan (non-california resident) Lumenos HSA Benefit Booklet SPD BC PPO HEALTHY FOCUS ADVANTAGE HSA PLAN
LEIDOS January 1, 2017 BC PPO Plan (non-california resident) Lumenos HSA Benefit Booklet SPD170105-1 117 BC PPO HEALTHY FOCUS ADVANTAGE HSA PLAN Dear Plan Member: This Benefit Booklet provides a complete
As more employers self-fund their employee healthcare coverage, exploration of risk. Controlling Hospital Charges for Self-Funded Plans
Controlling Hospital Charges for Self-Funded Plans Written by Phillip C. Giles, CEBS, QBE North America As more employers self-fund their employee healthcare coverage, exploration of risk reduction and
Innovative Solutions to Control the Escalating Costs of Employee Benefits
Innovative Solutions to Control the Escalating Costs of Employee Benefits March 1, 2018 Michael Menerey, Alliant Pat Moore, Alliant Agenda Why Healthcare Costs Continue to Rise Alternative Provider Reimbursement
Phone Home Work Cell. Other Emergency Contacts Name Name Phone Home Phone Home
FLORIDA HOSPITAL TRANSPLANT CENTER CLINIC DEMOGRAPHIC INFORMATION This application MUST be filled out completely. ALL incomplete applications will be returned to sender Name (First) (MI) (Last) (Maiden)
The year 2006 is a watershed year for U.S. employers and employees.
Will The Surgical Become Flat? Americans seeking cheaper surgical procedures abroad will provide only modest relief from our spreading affordability problems. by Arnold Milstein and Mark Smith ABSTRACT:
About PA Group. Our Mission
Global Health Plans About PA Group PA Group was founded in 2005 by two former General Electric executives with a passion for helping people prepare for the future. Since its inception, PA Group has successfully
Patriot Exchange Program Group. G a r n e t t P o w e r s P E P P l a n. September 1, 2017 August 31, 2018 PRESENTED TO
1 Patriot Exchange Program Group PRESENTED TO G a r n e t t P o w e r s P E P P l a n September 1, 2017 August 31, 2018 2 Table of Contents Overview... 3 The IMG Service Advantage... 4 Medical Services
Archived SECTION 12 - REIMBURSEMENT METHODOLOGY. Section 12 - Reimbursement Methodology
SECTION 12 - REIMBURSEMENT METHODOLOGY 12.1 THE BASIS FOR ESTABLISHING A RATE OF PAYMENT...3 12.1 A DETERMINING A FEE...3 12.2 TRANSPLANT SERVICES...4 12.2.A TRANSPLANT MAXIMUMS...4 12.2.B CHARGES EXCEEDING
Highlights of your Health Care Coverage Washington Counties Insurance Fund
Highlights of your Health Care Coverage Washington Counties Insurance Fund Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits apply after
Bundled Payments and Employer Direct Contracting Redefine Benefits Landscape Employers and their brokers, Third Party Administrators (TPAs) and other
Bundled Payments and Employer Direct Contracting Redefine Benefits Landscape Employers and their brokers, Third Party Administrators (TPAs) and other intermediaries increasingly recognize the opportunity
Highlights of your Health Care Coverage Washington Counties Insurance Fund
Highlights of your Health Care Coverage Washington Counties Insurance Fund Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits apply after
Value-Based Contracting. Optum Life Sciences March 22, 2018
Value-Based Contracting Optum Life Sciences March 22, 2018 Our vision Better cost controls CREATE networks & products tailored to each market s unique needs and competitive cost structure Maximizing new
Have the April showers started to bring everyone some beautiful May flowers? :) It surely is nice to see the colors outside!
May 2015 Featured Article Links Hello Brokers: Have the April showers started to bring everyone some beautiful May flowers? :) It surely is nice to see the colors outside! Here we are again with some great
ProtectPlus 40 BlueCard (Out-of-State)
ProtectPlus 40 BlueCard (Out-of-State) Group Insurance Trust of the California Society of Certified Public Accountants January 1, 2013 Medical Plan Document and Disclosure Form Dear Plan Beneficiary: This
THE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
Your Plan: Lumenos HSA Embedded Your Network: Prudent Buyer PPO
Anthem Blue Cross Your Plan: Lumenos HSA Embedded Your Network: Prudent Buyer PPO City of Chico This summary of benefits is a brief outline of coverage, designed to help you with the selection process.
Billing Challenges for Living Donation Services Pre-Transplant Thru Post-Transplant 2016 Annual Workshop for Transplant Financial Coordinators
Billing Challenges for Living Donation Services Pre-Transplant Thru Post-Transplant 2016 Annual Workshop for Transplant Financial Coordinators (c) 2016 Transplant Solutions, LLC 1 1. Law 2. Regulation
Leapfrog Hospital Rewards Program : Implementation Options. Catherine Eikel February 6, 2006
Leapfrog Hospital Rewards Program : Implementation Options Catherine Eikel February 6, 2006 Session Objectives Discuss Leapfrog Hospital Rewards Program Implementation Options Review criteria for designing
2019 HEALTH CARE BENEFITS SUMMARY FOR UAW-FORD RETIREES
2019 HEALTH CARE BENEFITS SUMMARY FOR UAW-FORD RETIREES THE FOLLOWING INFORMATION IS AN ADDENDUM TO THE SUMMARY PLAN DESCRIPTION (SPD) PUBLISHED IN 2015. Unless otherwise noted, the information contained
Candidates about Multiple Listing and Waiting Time Transfer
TA L K I N G A B O U T T R A N S P L A N TAT I O N Questions & A n s we r s for Transplant Candidates about Multiple Listing and Waiting Time Transfer U N I T E D N E T W O R K F O R O R G A N S H A R
Your Plan: 2019 Classic PPO Plan (1122 and ZOJZ) Your Network: Prudent Buyer PPO
Anthem Blue Cross Your Plan: 2019 Classic PPO Plan (1122 and ZOJZ) Your Network: Prudent Buyer PPO ACWA JPIA C00361 This summary of benefits is a brief outline of coverage, designed to help you with the
Subject: - State run Karnataka Self-funded Health Scheme to cover all in Karnataka
Page1 January16, 2018 AITPAIHC/ H&FWM/16 Dec/ 2017-18 Sri. Ajay Seth. IAS Additional Chief Secretary Health & Family Welfare Services Government of Karnataka, #105, I Floor, Vikas Soudha, Bangalore - 560
Your Plan: 2019 Classic PPO Plan (1122 and ZOJZ) Your Network: Prudent Buyer PPO
Anthem Blue Cross Your Plan: 2019 Classic PPO Plan (1122 and ZOJZ) Your Network: Prudent Buyer PPO ACWA JPIA C00361 This summary of benefits is a brief outline of coverage, designed to help you with the
SECTION 14 - SPECIAL DOCUMENTATION REQUIREMENTS
SECTION 14 - SPECIAL DOCUMENTATION REQUIREMENTS 14.1 EMERGENCY OR CONDITIONAL AUTHORIZATION...3 14.1.A FACILITY APPROVAL PENDING...3 14.1.B MO HEALTHNET ELIGIBILITY PENDING...3 14.1.C EMERGENCY PRIOR AUTHORIZATION
Member Services
Member Services 1-800-589-4811 Plan Facts Hours of Operation Website Name of Physician Network Minute Clinic Decision Support Tools 8:00 a.m. to 6:00 p.m. Local Time Monday Friday www.aetna.com Aetna Choice
CALIFORNIA SCHOOLS EMPLOYEE BENEFITS ASSOCIATION. July 1, Prudent Buyer Plan Benefit Booklet SPD (CC: BU16)
CALIFORNIA SCHOOLS EMPLOYEE BENEFITS ASSOCIATION July 1, 2014 SPD13465 1014 (CC: BU16) Prudent Buyer Plan Benefit Booklet COMPLAINT NOTICE All complaints and disputes relating to coverage under this plan
YOUR GLOBAL PEACE OF MIND
YOUR GLOBAL PEACE OF MIND CONTENTS 1 About VUMI 2 Why VUMI? 3 Partnership with Jackson Health 4 VIP Service 5 Overview of Expat VIP Plans 6 Plan Comparison: Non-U.S. Coverage 7 Plan Comparison: U.S. Coverage
Highlights of your Health Care Coverage
Highlights of your Health Care Coverage Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits apply after the calendar-year deductible is
The first day of the month in which payroll deductions begin. For life - as long as the required premiums are paid.
Benefits & Cost Summary: Accident Accident Insurance Accident insurance is designed to help covered employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether
Changes in Patient Volumes, Allowed Charges, Consumer Cost Sharing, and CalPERS Payments for Orthopedic Surgery Associated with Reference Pricing
Agenda Item 7 Attachment 1, REVISED Changes in Patient Volumes, Allowed Charges, Consumer Cost Sharing, and CalPERS Payments for Orthopedic Surgery Associated with Reference Pricing James C. Robinson Timothy
Preferred Choice: Flex Advantage $1,500/$3,000
HIGHLIGHTS OF YOUR HEALTHCARE COVERAGE Preferred Choice: Flex Advantage $1,500/$3,000 Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits
Preferred Choice: Flex Advantage $2,000/$4,000
HIGHLIGHTS OF YOUR HEALTHCARE COVERAGE Preferred Choice: Flex Advantage $2,000/$4,000 Any deductibles, copays, and coinsurance percentages shown are amounts for which you're responsible. Medical Benefits
This is an ERISA plan, and you have certain rights under this plan. Please contact your Employer for additional information.
Schedule of Benefits Employer: VMware, Inc. MSA: 307138 Issue Date: April 25, 2017 Effective Date: January 1, 2017 Schedule: 4A Booklet Base: 4 For: Choice POS II - High Deductible Health Plan This is
Assurant Employee Benefits Enrollment meeting for: Jerseyville Hospital New Hire Enrollment Period 1 st of the month after 60 days
Assurant Employee Benefits Enrollment meeting for: Jerseyville Hospital New Hire Enrollment Period 1 st of the month after 60 days Basic Life Voluntary Life Insurance Voluntary Life and AD&D - Age Reduction:
THE NEW INDIA ASSURANCE CO. LTD., Regd. & Head Office: 87, M.G. Road, Fort, Mumbai
THE NEW INDIA ASSURANCE CO. LTD., Regd. & Head Office: 87, M.G. Road, Fort, Mumbai 400 001 INFORMATION SHEET FOR EMPLOYEES & CUSTOMERS OF CANARA BANK (Fresh Enrollment) New India Flexi Floater Group Mediclaim
ASCENSION PARISH SCHOOL BOARD
ASCENSION PARISH SCHOOL BOARD SCHEDULE OF BENEFITS PLAN NAME Ascension Parish School Board PPO Plan - Option 2 GROUP NUMBER 78J79ERC PLAN'S ORIGINAL BENEFIT PLAN DATE PLAN'S AMENDED BENEFIT PLAN DATE PLAN'S
2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS
Oct. 1, 2014 2015 BENEFIT CHANGES FREQUENTLY ASKED QUESTIONS Changes to The Hartford s 2015 Health Plan Options Consumer-Directed Health Plan (CDHP) Options Health Savings Accounts (HSA) Healthy Lifestyle
Employer Group Application (all group sizes)
Employer Group Application (all group sizes) WISCONSIN Humana.com The offering company(ies) listed below, severally or collectively, as the content may require, are referred to in this Employer Group Application
HEART AT TACK & INCOME POLICY. from UNITED TEACHER ASSOCIATES INSURANCE COMPANY (UTA) The U.S. facts 1 are...
HEART DISEASE, HEART AT TACK & STROKE HOSPITAL INCOME POLICY from UNITED TEACHER ASSOCIATES INSURANCE COMPANY (UTA) The U.S. facts 1 are... Cardiovascular disease is the No. 1 killer of American men and
Table of Contents. Section 1 AIM Preface 1-1 Overview 1-2 Other Markets 1-3 Highlights. Section 2 MultiPlan PPO Network
Product Training Table of Contents Section 1 AIM Preface 1-1 Overview 1-2 Other Markets 1-3 Highlights 1-4 Eligibility Section 2 MultiPlan PPO Network Section 3 Medical Plans 3-1 Doctor & Lab Visits 3-2
A guide to understanding, getting and using health insurance. The. Health Insurance
A guide to understanding, getting and using health insurance The Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to use
A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL
CASE NO. 18 Z 600 18435 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) v. ALLSTATE INSURANCE COMPANY (Respondent)
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
IMG Group Medical Insurance
IMG Group Medical Insurance Setting a higher standard for international health care www.imglobal.com Global Organizations. Global Solutions. Organizations of all sizes and from all nations are making their
Cigna Centers of Excellence Program 2017 Methodology
Cigna Centers of Excellence Program 2017 Methodology For Hospitals, effective 2 nd Quarter 2017 December 2017 Updated: September 2017 Contents Introduction... 2 Surgical Procedures Medical Conditions...
Metal Gap 2 Sales Training
Metal Gap 2 Presentation Sales Training Title For training purposes only. Not for public distribution or solicitation. PPT AZBlue Metal Gap 2 Training 1118. For producer use only. Not for public solicitation
Coverage when it counts
CRITICAL ILLNESS INSURANCE Coverage when it counts Helping you recover from a critical illness with a plan You have a bright future ahead and big plans for what you want to achieve, but unexpected events
Managing the risk and unpredictable costs of transplants
Managing the risk and unpredictable costs of transplants Executive summary While payers understand that transplants will be a part of their medical expense, they may be unprepared for the financial volatility
GlobeHopper Senior Short-term, travel medical insurance for travelers age 65+
GlobeHopper Senior Short-term, travel medical insurance for travelers age 65+ Hello. Hola. Hallo. Hej. You can greet someone in a foreign country in many ways. When you travel, stay safe and secure by
PLAN B-1 PPO BENEFIT SUMMARY PLANTSMAN (MONTHLY)
PLANTSMAN (MONTHLY) All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special limits noted
Understanding Your Health Care Benefits
Understanding Your Health Care Benefits A Handbook For Employees of Air Products and Chemicals, Inc. Preferred Provider Organization Program 2013 TABLE OF CONTENTS I. Introduction... 1 II. Member Services...
MEDIA SERVICES MARKETPLACE. January 1, Prudent Buyer. RT Elements Choice PPO HSA 4500
MEDIA SERVICES MARKETPLACE January 1, 2015 Prudent Buyer RT276889-13 0315 Elements Choice PPO HSA 4500 COMPLAINT NOTICE Should you have any complaints or questions regarding your coverage or about your
Global treatment provided in conjunction with Best Doctors * and BDUI.**
Retirement Investments Insurance Health Global treatment provided in conjunction with Best Doctors * and BDUI.** The expert care you deserve Available with: Life Insurance+ Critical Illness+ Income Protection+
BRONZE PPO PLAN BENEFIT SUMMARY
BRONZE PPO PLAN BENEFIT SUMMARY All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special
Safe and Simple Fixed-Cost Self-Funded Medical Coverage Plus Refund Assisters
Safe and Simple Fixed-Cost Self-Funded Medical Coverage Plus Refund Assisters Overview October 16, 2015 October 16, 2015 Subject to Change Without Notice 1 Disclaimer But first a word from our lawyers:
2018 Medical Comparison Guide
2018 Medical Comparison Guide This and the following pages contain a limited description of the benefit coverage available through this group plan. Coverage is governed at all times by the complete terms
CONEJO VALLEY UNIFIED SCHOOL DISTRICT. July 1, Prudent Buyer Plan Benefit Booklet. SPD Premier PPO RX 15/30
CONEJO VALLEY UNIFIED SCHOOL DISTRICT July 1, 2013 Prudent Buyer Plan Benefit Booklet SPD275928-1 813 Premier PPO RX 15/30 Dear Plan Member: This Benefit Booklet provides a complete explanation of your
Travel Insurance Plan for INTERNATIONAL J Visa Travelers
Travel Insurance Plan for INTERNATIONAL J Visa Travelers The Global Adventure Plan offers international travelers with a J-1 and J-2 visa an alternative to more expensive health plans. It is designed to
TRANSPLANTATION SERVICES
UnitedHealthcare of California (HMO) UnitedHealthcare Benefits Plan of California (IEX EPO, IEX PPO) SignatureValue and UnitedHealthcare Benefits Plan of California BENEFIT INTERPRETATION POLICY TRANSPLANTATION
Please check which plan you want to enroll in: Health Net Healthy Heart (HMO) (includes prescription drug coverage)
2016 Medicare Advantage Individual Enrollment Request Form Please contact Health Net if you need information in another language or format (Braille). To Enroll in Health Net, Please Provide the Following
New Caney Independent School District Sick Leave Bank Guidelines and Procedures
New Caney Independent School District Sick Leave Bank Guidelines and Procedures 2013-14 SECTION I PURPOSE AND DEFINITIONS The purpose of the Sick Leave Bank is to provide paid sick leave days in addition
PLAN E-1 PPO BENEFIT SUMMARY LANDSCAPERS
LANDSCAPERS All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special limits noted in
UTA Supplemental Cancer Treatment Benefit Policy
Brought to you by United Teacher Associates Insurance Company (UTA) UTA Supplemental Cancer Treatment Benefit Policy Why Think About Cancer? Chances are you or someone you love will be affected by CANCER
Attachment C - Schedule of Benefits. PremierBlue Plan A52
- Schedule of Benefits PremierBlue Benefit percentages apply to the BCBST Maximum Allowable Charge. Network level applies to services received from Network Providers and Non-Contracted Providers. Out-of-Network
Employer Group Application (all group sizes)
Employer Group Application (all group sizes) ILLINOIS Humana.com The offering company(ies) listed below, severally or collectively, as the content may require, are referred to in this Employer Group Application
PIONEER FOODS (Pty) Ltd APPLICATION FOR VOLUNTARY GROUPS - PAYROLL DEDUCTION
PIOEER FOODS (Pty) Ltd -2018 APPLICATIO FOR VOLUTAR GROUPS - PAROLL DEDUCTIO Contact us Tel: 0860 102 936, Email: admed@guardrisk.co.za Who we are Admed, a division of Guardrisk Insurance Company Limited
Medical Information Release Form (HIPAA Release Form) Patient Name: Date of Birth: / / MR #: If minor, Parent/Guardian Name: Release of Information I authorize the release of information including diagnosis,
American Bar Association. Technical Session Between the Department of Health and Human Services and the Joint Committee on Employee Benefits
American Bar Association Technical Session Between the Department of Health and Human Services and the Joint Committee on Employee Benefits May 2, 2006 The following notes are based upon the personal comments
PLAN A-5 PPO BENEFIT SUMMARY MUNICIPALITY (MONTHLY)
MUNICIPALITY (MONTHLY) All benefits are subject to eligibility, maximum Plan benefit, reasonable and customary determination (or negotiated fee amounts for PPO provider services), and any special limits
CHAPTER 3 SECTION 1.6E COMBINED LIVER-KIDNEY TRANSPLANTATION. TRICARE/CHAMPUS POLICY MANUAL M DEC 1998 Surgery And Related Services
TRICARE/CHAMPUS POLICY MANUAL 6010.47-M DEC 1998 Surgery And Related Services CHAPTER 3 SECTION 1.6E Issue Date: October 26, 1994 Authority: 32 CFR 199.4(e)(5) I. PROCEDURE CODE RANGE 47150 II. POLICY
Allwell 2018 Individual Enrollment Form
Allwell 2018 Individual Enrollment Form Please contact Allwell if you need information in another language or format (Braille). To enroll in Allwell, please provide the following information: Please check
International Teams (Overseas)
INTERNATIONAL ENROLLMENT Effective 1/1/2016 International Teams (Overseas) INTERNATIONAL ENROLLMENT We Bring Together the Best in Class Medical Benefits 2 Global Medical Plans 3 GLOBAL MEDICAL PLANS Cigna
MEDICAL FACILITIES CORPORATION
MEDICAL FACILITIES CORPORATION June 2014 FORWARD LOOKING STATEMENTS This presentation may contain forward-looking statements within the meaning of certain securities laws, including the safe harbour provisions
January 1, Catastrophic Plan. RT Catastrophic (Non-Std.)
January 1, 2017 Catastrophic Plan RT20905-3 1016 Catastrophic (Non-Std.) Anthem Blue Cross is the trade name of Anthem Blue Cross. Independent licensee of the Anthem Blue Cross Association. ANTHEM is