A flexible benefit plan that offers exclusive advantages to your key executives.
|
|
- Berenice Rose
- 5 years ago
- Views:
Transcription
1 A flexible benefit plan that offers exclusive advantages to your key executives. ternian
2 If you want to provide the very best for your organization s leaders, while complying with the complex regulations presented by healthcare reform and tax codes, Ternian has an innovative benefit plan to meet your needs. Our Executive Plan offers exclusive medical benefits to your highly-skilled professional staff members as well as valued-added programs that can improve their health and well-being. Plus, because this plan includes excepted benefits according to the ACA, it is not subject to new rules that expanded benefit discrimination testing to fully-insured coverage. ternian
3 YOUR EXECUTIVES DEDICATE THEIR TIME AND ENERGY TO THE SUCCESS OF YOUR BUSINESS. NOW YOU CAN REWARD THEM WITH A VALUABLE PACKAGE OF BENEFITS DESIGNED TO MEET THEIR HEALTH NEEDS AND SUPPORT THEIR BUSY LIFESTYLE. Members receive cash payments for costs associated with a variety of medical issues regardless of what other benefits plans are in place Ternian s Executive Plan pays cash directly to your key executives, which can then be allocated toward medical bills as well as other cost of living expenses like transportation and other bills incurred during time off of work. Our Executive Plan provides these flat fee payments for a variety of medical services. It includes up to $100,000 in potential benefits for: FIRST DAY HOSPITAL ADMISSION DAILY HOSPITALIZATION INPATIENT SURGERY EMERGENCY ROOM VISIT OUTPATIENT SURGERY ADDITIONAL DENTAL COVERAGE ADDITIONAL PRESCRIPTION COVERAGE
4 A complete package of exclusive executive benefits In addition to this package of complementary benefits for medical services, this Executive Plan also provides an array of other valuable programs and value-added benefits. These include: A TELEMEDICINE PROGRAM THAT PROVIDES 24/7/365 ACCESS TO BOARD-CERTIFIED PHYSICIANS AT NO COST Now your executives can consult with a doctor without every leaving their home or office. Teladoc gives these individuals unlimited telephonic, and/or video access with a licensed U.S. physician day or night. There is no charge for the consultation and diagnoses can be made for many common health conditions. This program is the perfect solution for executives that travel frequently or won t take time out to see a physician because of their busy lifestyle. OUTPATIENT ACCIDENT COVERAGE TO PAY FOR THE COST OF UNEXPECTED MEDICAL EVENTS Unexpected medical costs can have a major impact on an individual s finances as well as their overall quality of life. For example, a broken bone can lead to thousands of dollars in medical costs and the cost-share for these issues can be substantial. This additional benefit provides a set amount of coverage for accidents that require treatment in an emergency room, urgent care or outpatient setting. This plan can also help employees pay for necessary diagnostic testing such as X-rays and MRIs. CRITICAL ILLNESS COVERAGE FOR TEN MEDICAL CONDITIONS Critical illnesses are not always rare. According to the American Cancer Society,* one in two men and one in three women will develop cancer during their lifetime. Rates of heart disease are also rising. The costs associated with receiving treatment for these conditions can be staggering. That s why Ternian offers a cash payment directly to an individual to help cover any costs if they are diagnosed with one of 10 critical illnesses, including: Cancer, Renal Failure, Heart Attack, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer s, ALS and Terminal Illness. *
5 CONCIERGE SERVICES TO MAKE IT EASIER FOR EXECUTIVES TO MANAGE THEIR BUSY SCHEDULES Through this innovative program, executives will have access to a Personal Assistant that is available to them and the members of their household 24 hours a day, 7 days a week. This Assistant can provide a variety of services including appointment scheduling, purchasing tickets, comparison shopping for best prices and much more. For added value, this program also includes emergency travel assistance and discounts on brand name merchandise, DVDs, dining and more. WELLNESS SCREENINGS THAT PROVIDE COMPREHENSIVE DISEASE RISK ASSESSMENTS FOR CHRONIC CONDITIONS Early identification of chronic illness is critical for ensuring that an individual receives the effective treatment they need to get well and stay well. This Wellness Screening package includes blood, biometric and ultrasound screening services for risk factors that lead to cardiovascular disease, stroke and vascular disease. Individuals receive a detailed report of all findings and this information can be shared with their personal physician for any treatment or follow up necessary. SUPPORT AND ASSISTANCE FOR A VARIETY OF MENTAL HEALTH ISSUES AND LIFE CHALLENGES Behavioral health issues can take a toll on a individual s well-being, as well as their productivity. It is not uncommon for executives to suffer from issues like depression and anxiety, especially if they have high stress jobs. Now you can provide a resource that will allow your executives to receive the discrete support and guidance they need, 24/7/365 through trained professionals that are just a phone call away. This assistance program also includes three in-person counselor visits that can be used to provide additional support for a variety of life challenges. TRAVEL EMERGENCY ASSISTANCE FOR UNEXPECTED MEDICAL, FINANCIAL AND LEGAL ISSUES Emergencies can happen anywhere and they can be especially troubling when an individual happens to be out of town, especially if they are traveling overseas. Now you can provide support and assistance when your executives need it most. This program provides access to international assistance coordinators and case managers as well as nurses and physicians, 24 hours a day. These trained specialists can provide immediate assistance for a variety of issues including medical evaluation and/or repatriation, case management and review, prescription replacement or refill assistance, eyeglass replacement, emergency cash advances, lost baggage help, emergency message relays, access to a security assistance center and more.
6 HELP YOUR EXECUTIVES PROTECT THEIR MOST VALUABLE ASSET THEIR IDENTITY Identity theft is an epidemic that shows no sign of slowing. Executives are particularly at risk given their high net worth and assets. This identity management program helps individuals take measures to protect against identity theft or fraud and quickly resolve any existing identity theft issues. It also provides concierge assistance on a variety of common identity issues. For example, this trained specialist can help individuals locate missing documents, protect their identity during periods of address change and resolve travel-related identity challenges. SUPPORT AND RESOURCES FOR INDIVIDUALS CARING FOR AN AGING LOVED ONE The stress and strain of caring for an aging loved one can take a serious toll on an individual s health and emotional well-being. In fact, many people neglect their own health, immediate family and work while spending their time and energy to care for an aging family member. Now you can offer a comprehensive program that provides advocacy, resources and support to your executives during these challenging times. This program will provide: assistance locating paid caregivers, a guide to assisted living benefits, a caregiving information center and most importantly, access to a compassionate and knowledgeable case manager for answers and assistance. A VALUE-ADDED BENEFIT PACKAGE THAT INCLUDES THE FOLLOWING: Discounts on Travel, Dining & Entertainment Executives work hard and play hard. Reward them with discounts on the things they enjoy such as movie tickets, theme parks and more. Pet-related Product Discounts & Information Through this innovative benefit, your executives will receive access to discounts, information and advice designed just for pet owners. Online Health & Wellness Resources You can provide health information, guidance and support as well as discounts on many everyday wellness products and services that your executives will value. This online resource center also includes interactive tools that make it easier for these individuals to meet their fitness, nutrition and disease prevention goals. Discounts on Vision & Hearing Products Help your members save on eyeglasses, contact lenses, hearing aids and other vision and hearing-related products.
7 Flexible benefits designed to provide tax-free payments to executives Your executives will value both the flexibility and value of these benefits. In addition, because of the nature of this employer-paid plan, it can typically provide tax-free payments to executives. Plus, unlike Flexible Spending Accounts there is no use it or lose it time limit for applying these benefits and receiving payments. Ternian s Executive Plan is an ideal way for you to distinguish your benefit package through programs and complementary medical benefits that your executives will use to offset their everyday medical costs and better manage their busy life. The Advantages of Ternian s Executive Plan Comprehensive and flexible with a maximum benefit of $100,000 Easy to implement just three enrollees needed to initiate coverage Backed by A rated carriers PPACA excepted and not subject to section 105(h) rules Ensure that your leaders feel appreciated and empowered Now you can reward your hard-working leaders as they dedicate themselves to the success of your business with an Executive Plan from Ternian. This plan can provide up to $100,000 in additional benefits making it a premier and exclusive offering for valued employees. It can also be customized to include a wide range of benefits that will help your key executives be healthier, happier and more productive. To learn more, contact Ternian today at or visit
8 ABOUT TERNIAN Ternian was founded by a team of seasoned executives with decades of experience in the employee benefit industry. Our consultative approach and state-of-the-art technology have helped us meet the needs of employer groups in leading industries nationwide. ternian Ternian Insurance Group LLC 7310 N 16th St, Ste 100, Phoenix, Arizona NOTICE The insurance described in this proposal provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Reduce your out-of-pocket expenses while providing peace-of-mind for life s unexpected injuries or worse, a life threatening diagnosis.
Reduce your out-of-pocket expenses while providing peace-of-mind for life s unexpected injuries or worse, a life threatening diagnosis. Questions/Inquiries: Member Services (888) 781-0585 INSURANCE BENEFITS
More informationCovering what matters most, in the moments that matter most
Accident Medical Expense, Critical Illness, Accidental Death and Dismemberment coverage Covering what matters most, in the moments that matter most Underwritten by Reduce your out-of-pocket expenses while
More informationInnovative Solutions for Minimum Essential Coverage (MEC)
Innovative Solutions for Minimum Essential Coverage (MEC) www.consultant.uhc.com Driving results through individual health ownership INFORMATION that motivates Simpler member experience INTEGRATION that
More informationSEAFARERS HEALTH AND BENEFITS PLAN
SEAFARERS HEALTH AND BENEFITS PLAN 5201 Auth Way Camp Springs, Maryland 20746-4275 (301) 899-0675 Margaret R. Bowen Administrator May 22, 2007 Dear Plan Level S Participant: The Trustees of the Seafarers
More informationHumana Critical Illness/Cancer
Humana Critical Illness/Cancer Critical illness/cancer voluntary coverages pay benefits however you want With our critical illness and cancer plans, you'll receive a benefit after a serious illness or
More informationA Better Way to Control Your Healthcare Costs
A Better Way to Control Your Healthcare Costs Plan Features: Fully funded ERISA plan designs Integrated, personalized wellness program at no additional cost Up to a $500 annual wellness incentive available
More informationYour Plan Explained Insurance Trust for Delta Retirees 2013 Medical Benefit Plan
Your Plan Explained Insurance Trust for Delta Retirees 2013 Medical Benefit Plan UnitedHealthcare Senior Supplement Plan Introducing the Insurance Trust for Delta Retirees Senior Supplement plan insured
More information2018 Benefits Guide. Improving Our Wellness Together
2018 Benefits Guide Improving Our Wellness Together Welcome to your 2018 Benefits Open Enrollment We are honored to present your 2018 Benefit Options! The elections you make during open enrollment will
More informationMORE FOR YOUR BUSINESS
MORE FOR YOUR BUSINESS A nonprofit independent licensee of the Blue Cross Blue Shield Association MORE FOR YOUR BUSINESS thanks to the power of Blue As health care continues to change, we ll be here to
More informationBenefit proposal prepared for: Sample Proposal (3/17) PLANSTIN INC 5200 Meadows Rd Suite 150, Lake Oswego OR
Benefit proposal prepared for: Sample Proposal (3/17) 2017 PLANSTIN INC 5200 Meadows Rd Suite 150, Lake Oswego OR 97035 888-920-7526 BENEFIT SOLUTIONS Thank you for your consideration in the Planstin Benefit
More informationNew Opportunities for Growth
New Opportunities for Growth Life and Supplemental Insurance Products 1 Critical Illness Cash Plan 2 Critical Illness Cash Plan Uncertainty can threaten from out of the blue! The mean lifetime cost of
More informationWPS HealthyChoices Group Guide. Effective January 1, Be Happy. Live Healthy.
WPS HealthyChoices Group Guide Effective January 1, 2015 Be Happy. Live Healthy. Table of Contents: Introduction 2 Choose 4 Save 5 Control 6 Covered Benefits 7 2 With high-quality coverage, affordable
More informationCRITICAL 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
More informationREFERENCE GUIDE HOW-TO HANDBOOK
Abacus Medical Support Insurance Plan REFERENCE GUIDE HOW-TO HANDBOOK TABLE OF CONTENTS I. About The Product Benefit Sheets II. Underwriting III. Claims How to File a Claim Sample of Hospital Bill Toll
More informationWelcome! Eligibility When to Enroll How to Enroll Making Changes Medical Coverage You Can Count On...
December 18, 2017 Contents Welcome!... 3 Eligibility... 3 When to Enroll... 3 How to Enroll... 3 Making Changes... 3 Medical Coverage You Can Count On... 4 How to Find an In-Network Provider... 5 Teladoc
More informationCancer, Heart Attack or Stroke Insurance Policy with Critical Illness
Marketed by Cancer, Heart Attack or Stroke Insurance Policy with Critical Illness SUPPLEMENTAL INSURANCE POLICY PSI10-036IA R. 7-12-17 Insurance Coverage underwritten by Medico Corp Life Insurance Company
More informationCHOOSE A PLAN HMO PLANS. What HMO plans offer and how they work IN THIS BROCHURE. !!Understanding HMO plans. !!Benefit highlights. !!
CHOOSE A PLAN HMO PLANS What HMO plans offer and how they work IN THIS BROCHURE!!Understanding HMO plans!!benefit highlights!!meet Wayne Taylor Value. Simplicity. Choice. Our HMO plans offer all three.
More information+Additional Benefits (see page 5)
HOW THE 2017 CHS LIVEWELL HEALTH PLAN WORKS TEAMMATE ONLY CHS Contributes = $350 You earn all LiveWELL Incentives = $750 You contribute premium savings = $1,050 $2,150 $1,850 CHS LiveWELL Health Plan 75%
More informationSCHEDULE OF BENEFITS UNIVERSITY OF PITTSBURGH PPO PLAN - Applies to PA Child Welfare Resource Center
SCHEDULE OF BENEFITS UNIVERSITY OF PITTSBURGH PPO PLAN - Applies to PA Child Welfare Resource Center The following Schedule of Benefits is part of your Certificate of Coverage. It sets forth benefit limits
More informationHealth care benefits for your on demand life.
Health care benefits for your on demand life. Classic Blue BTD Broome Boces Plan features Primary Care Physician (PCP) and coinsurance Referrals Not required Out of network benefits Covered Out of area
More informationBridgeSpan Health Company: BridgeSpan Silver HDHP 2000 MyChoice Northwest
BridgeSpan Health Company: BridgeSpan Silver HDHP 2000 MyChoice Northwest Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2016 12/31/2016 Coverage for: Individual
More informationSTATE MUTUAL INSURANCE COMPANY OUTLINE OF COVERAGE SPECIFIED DISEASE INSURANCE
STATE MUTUAL INSURANCE COMPANY Rome, Georgia 30161 OUTLINE OF COVERAGE SPECIFIED DISEASE INSURANCE HEART ATTACK AND STROKE LUMP SUM BENEFIT INSURANCE POLICY Policy Form SMHS2015AR BENEFITS PROVIDED ARE
More informationCHOOSE A PLAN HMO PLANS. What HMO plans offer and how they work IN THIS BROCHURE. n Understanding HMO plans. n Benefit highlights. n Meet Wayne Taylor
CHOOSE A PLAN HMO PLANS What HMO plans offer and how they work IN THIS BROCHURE n Understanding HMO plans n Benefit highlights n Meet Wayne Taylor Value. Simplicity. Choice. Our HMO plans offer all three.
More informationSalaried Team Total Benefits Summary
Salaried Team 2018 Total Benefits Summary Compensation Gentex total compensation is engineered specifically for those of us wired with an ownership mentality mindset. Take a minute to study up it is innovative,
More informationCoverage 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
More informationNote: Accredited is the highest rating an exchange product can have for 2015.
Quality Overview Permanente Accreditation Exchange Product Accrediting Organization: NCQA HMO (Exchange) Accreditation Status: Accredited Note: Accredited is the highest rating an exchange product can
More informationAsuris Northwest Health Medicare Advantage PPO Plans. Decision Guide
2016 Northwest Health Medicare Advantage PPO Plans Decision Guide STEP-BY-STEP STEP 1 STEP 2 STEP 3 STEP 4 READ. Learn about all the programs and benefits you can enjoy as an Northwest Health member. This
More informationWPS Individual Preferred Plans. Effective January 1, Be Happy. Live Healthy.
WPS Individual Preferred Plans Effective January 1, 2015 Be Happy. Live Healthy. Here for you and your peace of mind A good health plan is more than protection for your health and financial security. It
More informationLegal & General Critical Illness Cover
1 Contents Critical Illness Cover Page 3 What is a critical illness? Page 4 Could it happen to me? Page 5 How can Critical Illness Cover help? Page 6-7 Legal & General Nurse Support Services Page 8-9 Legal
More information2015 Individual and Family Plan
2015 Individual and Family Plan A different kind of health insurance. We were built for you. InHealth Mutual is a trade name of Coordinated Health Mutual, Inc. CHM_ SMM05_0914 A different kind of partner
More informationCOMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948
PLAN YEAR 2019 COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 POWERED BY compassrosebenefits.com 1 WELCOME WE ARE HERE TO HELP YOU SOLVE THE COMPLEXITIES OF INSURANCE PLAN HIGHLIGHTS COMPASS
More informationUnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide
UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide Tips for Healthy Saving and Spending CHOOSE HEALTH. SPEND WISELY. We are committed to offering you a comprehensive benefits program
More informationJohnson County Board of Education
Johnson County Board of Education Your 2015 Voluntary Benefits Briefing Colonial Life Colonial Agents will be available at BOTH Schools on: September 15 th and 16 th Premium Only Plan Flexible Benefits
More informationMCHO Informational Series
MCHO Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions
More informationEXPAT VIP PLATINUM INFORMATIVE BOOKLET
INFORMATIVE BOOKLET ABOUT VUMI VIP Universal Medical Insurance Group, LTD (VUMI) is an international health insurance company offering exclusive major medical insurance plans and VIP medical services to
More informationCentral 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
More informationQuote Effective: 04/01/ /30/2019 Version Updated: 01/07/2019
Quote Effective: 04/01/2019-06/30/2019 Version Updated: 01/07/2019 Print Package: HIOS ID (Enrollment Code) 78124NY1000265-00 (SON5) Plan Name: Rating Region: Rate Rochester For the Benefits described
More informationSchedule of Benefits Phoenix Health Plans, Inc.
Your Policy gives You important information about Your health care benefits. It includes information such as Pre-Authorization requirements. This Schedule of Benefits is issued to You with Your Policy.
More informationOpen Enrollment 2018 BARTOW COUNTY SCHOOLS
Open Enrollment 2018 BARTOW COUNTY SCHOOLS 1 Employee s Responsibility Visit Bartow County Schools Benefit Resource Center site: shawhankins.net/bcs Review Open Enrollment Materials Log in to SHBP and
More informationA guide to using your Select Benefits coverage
Select Benefits Fixed-Payment Medical Insurance A guide to using your Select Benefits coverage Your Select Benefits coverage is provided under a group insurance policy that pays benefits at a preselected,
More informationOffer Your Employees a Wide Range of Benefits for Minimal Cost
Offer Your Employees a Wide Range of Benefits for Minimal Cost BenefitsPal combines multiple benefits and services to provide support, protection and convenience in an ever-changing market. From healthcare
More informationIndividual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Open Access Plans for TEXAS ONE-AND-ONLY.
Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Plans for TEXAS medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858482 a 05/13 Services with you in
More informationSummary of Benefits Boone County
Summary of Benefits 2017 Boone County Y0027_16-093_EN CMS Accepted 08/30/2016 Summary of Benefits January 1, 2017 December 31, 2017 This booklet gives you a summary of what we cover and what you pay. It
More informationWashington State Fire Fighters Association Member Benifits Booklet
Washington State Fire Fighters Association 2016 Member Benifits Booklet TABLE OF CONTENTS Who We Are...4 Accident Insurance...5 Cancer Insurance...6 Critical Illness Insurance...7 Disability Insurance...8
More informationMedical Benefits Comparison Book 2018 Medicare Retirees in the Rochester Area
Medical Benefits Comparison Book 2018 Medicare Retirees in the Rochester Area Human Resources Finance & Administration Rochester Institute of Technology Medical Benefit Comparison This information provides
More informationMedicare Notebook. Helping you make sense of Medicare
Medicare Notebook Helping you make sense of Medicare Hello! Welcome to your Medicare Notebook Whether you re looking for a change or are new to Medicare, this handy guide gives you clear information, helpful
More informationARIZONA. CIGNA health savings plans. Health and Pharmacy Benefits c AZ 07/ CIGNA
ARIZONA Individual & Family Plans CIGNA health savings plans Health and Pharmacy Benefits PLAN comparison 820521c AZ 07/10 2010 CIGNA CIGNA HealthCare plans, offered through Connecticut General Life Insurance
More informationYOUR 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
More informationSome of the services this plan doesn t cover are listed on page 5. See your policy Yes plan doesn t cover?
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: Network This is only a summary. If you want more detail about your coverage and costs, you can
More informationA Better Way to Control Your Healthcare Costs
A Better Way to Control Your Healthcare Costs Plan Features: Fully insured and fully funded plan designs Integrated, personalized wellness program at no additional cost $500 annual wellness incentive available
More informationCaring for those who Care. A Look at the 2018 Benefits and Rewards of Being an HCR ManorCare Employee
Caring for those who Care A Look at the 2018 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.
More informationCalifornia Natural Products: EPO Option Coverage Period: 01/01/ /31/2017
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.deltahealthsystems.com or by calling 1-209-858-2525 Ext
More informationWelcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES
Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES Your Personalized Medicare Manager Is Waiting for You Online. Register at www.mymedicare.gov Medicare s secure online service for accessing
More informationDecision Guide Regence Medicare Advantage HMO Plan
2016 Decision Guide Regence Medicare Advantage HMO Plan Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association
More informationCritical 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
More information1199SEIU NATIONAL BENEFIT FUND FOR ROCHESTER AREA MEMBERS OVERVIEW OF YOUR BENEFITS
1199SEIU NATIONAL BENEFIT FUND FOR ROCHESTER AREA MEMBERS OVERVIEW OF YOUR BENEFITS Medical Benefits are provided through MVP Health Care. Dental Benefits are provided through Excellus BlueCross BlueShield.
More informationBlueOptions. Making the Important Choices Easier. floridablue.com. Enrollment Guide For Group Employees
BlueOptions Enrollment Guide For Group Employees Making the Important Choices Easier. floridablue.com Health plan benefits Enrolling in your benefits When your employer offers Florida Blue benefits, we
More informationOVERVIEW OF YOUR BENEFITS
OVERVIEW OF YOUR BENEFITS 9 IMPORTANT PHONE NUMBERS Rochester Benefit Fund Office (585) 244-0830 For questions about eligibility, Coordination of Benefits, your 1199SEIU Health Benefits ID card, prescription
More informationMinimize the financial impact of a serious illness. Take control today with critical illness insurance.
What would happen if you were suddenly Minimize the financial impact of a serious illness. Take control today with critical illness insurance. What is critical illness insurance? How is critical illness
More informationAnnual 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
More information2019 Pre-Medicare Retiree Healthcare Open Enrollment
2019 Pre-Medicare Retiree Healthcare Open Enrollment CHANGES ONLY ENROLLMENT Submit Enrollment Changes Before November 21 You MUST complete and submit the enclosed enrollment form by November 21 if you
More informationSummary of BenefitS. Cigna-HealthSpring Preferred (Hmo) H Cigna H0354_15_19948 Accepted
Summary of BenefitS Coverage Cigna-HealthSpring Preferred (Hmo) H0354-001 2014 Cigna H0354_15_19948 Accepted SeCtion i - introduction to Summary of BenefitS you have choices about how to get your medicare
More informationImportant Questions Answers Why this Matters:
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: Premium Plan This is only a summary. If you want more detail about your coverage and costs, you
More informationSummary of Benefits. Y0027_16-092_EN CMS Accepted 08/30/2016
Summary of Benefits 2017 Y0027_16-092_EN CMS Accepted 08/30/2016 Summary of Benefits January 1, 2017 December 31, 2017 This booklet gives you a summary of what we cover and what you pay. It doesn t list
More informationRegence BlueCross BlueShield of Oregon: Preferred Coverage Period: 07/01/ /31/2016
Regence BlueCross BlueShield of Oregon: Preferred Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 07/01/2016 12/31/2016 Coverage for: Individual & Eligible Family
More informationProtective CRITICALanswer SM Consumer Product Guide
Protective Consumer Product Guide PLC.1917.08.05 08/05 T HERE IS A SOLUTION TO HELP PREVENT A CRITICAL ILLNESS can help you prepare for the unexpected. FROM BECOMING A FINANCIAL CATASTROPHE AND DESTROYING
More informationWhat is Group Medicare Advantage PPO?
What is Group Medicare Advantage PPO? Current Group Medicare Advantage HMO Group Medicare Advantage PPO Value to Medicare eligible retirees Geographic availability Defined Service Area Only 22 counties
More information2016 Summary of Benefits. Classic Rx (HMO)
2016 Summary of s Classic Rx (HMO) Summary Of s January 1, 2016 - December 31, 2016 This booklet gives you a summary of what we cover and what you pay. It doesn t list every service that we cover, or list
More informationGet to know your benefits. State of Florida 2018 Benefits Guide. welcometouhc.com/florida
Get to know your benefits. State of Florida 2018 Benefits Guide welcometouhc.com/florida Knowing your benefits helps you make more informed choices. By understanding your benefits, you can select the coverage
More informationRegence BlueCross BlueShield of Oregon: Preferred Plan A $500 Coverage Period: 01/01/ /31/2017
Regence BlueCross BlueShield of Oregon: Preferred Plan A $500 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual & Eligible
More informationShaping a Partnership in Voluntary Benefits ACA Solutions
Shaping a Partnership in Voluntary Benefits ACA Solutions Annual Survey of Americans' Views on Health Care and the ACA Finds Nearly Half of Remaining Uninsured are Unaware of the Individual Mandate or
More information2019 Allwell Dual Medicare (HMO SNP) H5590: Maricopa, Pima and Yuma counties, AZ
2019 Allwell Dual Medicare (HMO SNP) H5590: 006-001 Maricopa, Pima and Yuma counties, AZ H5590_19_7908SB_006_001_M_Accepted 09072018 This booklet provides you with a summary of what we cover and the cost-sharing
More informationFocused on maximizing consumer value, not shareholder value.
About Meritus Focused on maximizing consumer value, not shareholder value. Welcome to a whole new kind of healthcare. New to the market, but not to the healthcare world, we are a recently formed non-profit
More informationY o u r B e n e f i t s a t a G l a n c e Y o u r B e n e f i t s a t a G l a n c e
PRIME NETWORK The information contained in this Schedule of Benefits is not intended to provide a full description of eligible benefits, requirements and limitations. The full description, requirements
More information2016 Summary of Benefits. Preferred Rx (PPO)
2016 Summary of s Preferred Rx (PPO) January 1, 2016 - December 31, 2016 This booklet gives you a summary of what we cover and what you pay. It doesn t list every service that we cover, or list every limitation
More informationA plan designed to work for you.
YOUR ADVANTAGE: A plan designed to work for you. 2019 Benefit Plan NMRHCA Plan Benefits and Features Group Medicare Advantage PPO Plans Your Medicare Advantage plan The advantages of a single plan. Medicare
More informationBridgeSpan Health Company: BridgeSpan Oregon Standard Silver Plan Value PPO
BridgeSpan Health Company: BridgeSpan Oregon Standard Silver Plan Value PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at www.bridgespanhealth.com.
More informationBridgeSpan Health Company: BridgeSpan Oregon Standard Silver Plan Coverage Period: 01/01/2015
BridgeSpan Health Company: BridgeSpan Oregon Standard Silver Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015 01/01/2015 12/31/2015-12/31/2015 Coverage
More informationSmall Group EmployeeElect Lumenos HSA 1500 (80/50)*
Summary of Features *Health Savings Account Compatible Plan LUMENOS HSA 80/50 PLANS Small Group EmployeeElect Lumenos HSA 1500 (80/50)* Consumer-Driven Health Plan 10417CAMEN Rev. (7/09) Helping you stay
More informationSMART. Short Term Medical. Temporary Insurance for Gaps in Health Coverage. Between Jobs. Waiting for Employer Benefits
SMART Term Health N ATIO NAL I N S U RANC E C O. Short Term Medical Temporary Insurance for Gaps in Health Coverage Between Jobs Waiting for Employer Benefits Temporary or Seasonal Employees New Graduates
More informationHNE Medicare Value (HMO)
2016 Medicare Advantage Summary of Benefits January 1, 2016 - December 31, 2016 H8578_2016_453 Accepted HNE MEDICARE ADVANTAGE ENROLLMENT KIT 2016 SECTION I - INTRODUCTION TO SUMMARY OF BENEFITS You have
More information2019 Summary of Benefits Medicare Advantage Plans with Part D Prescription Drug Coverage. FHCP Medicare Premier Plus (HMO) H
2019 Summary of Benefits Medicare Advantage Plans with Part D Prescription Drug Coverage H1035-011 January 1, 2019 December 31, 2019 The plan's service area includes: Brevard, Seminole and St. Johns Counties
More informationImportant Questions Answers Why this Matters:
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type: PPO This is only a summary. If you want more detail about your coverage and costs, you
More information2019 Pre-Medicare Retiree Healthcare Open Enrollment
2019 Pre-Medicare Retiree Healthcare Open Enrollment CHANGES ONLY ENROLLMENT Submit Enrollment Changes Before November 21 You MUST complete and submit the enclosed enrollment form by November 21 if you
More informationSCHEDULE OF BENEFITS UPMC HEALTH PLAN PANTHER PREMIER PPO
SCHEDULE OF BENEFITS UPMC HEALTH PLAN PANTHER PREMIER PPO This document is called a Schedule of Benefits. It is part of your Certificate of Coverage or your Summary Plan Description. Your Schedule of Benefits
More informationHelp protect your future from one of life s uncertainties
Help protect your future from one of life s uncertainties GROUP LONG TERM CARE INSURANCE PROGRAM 46871 06/01/09 Plan today In these uncertain times, it is often difficult to manage your plans for the future.
More informationChoice 100+ A defined contribution plan can help control your costs and offer your 100+ employees more options
Choice 100+ A defined contribution plan can help control your costs and offer your 100+ employees more options With Choice 100+, employees choose the plan that best meets their needs from the options you
More informationTake control of your health with CIGNA
Take control of your health with CIGNA Only CIGNA offers: More than $500 in incentive rewards up to $275 for individuals and $550 for SHBP subsribers and their covered spouses who participate in our health
More informationBridgeSpan Health Company: BridgeSpan Bronze Essential 6850 Value PPO
BridgeSpan Health Company: BridgeSpan Bronze Essential 6850 Value PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at www.bridgespanhealth.com.
More information2018 CareOregon Advantage Star (HMO) Summary of Benefits
2018 Summary of Benefits For Oregon counties: Clackamas, Columbia, Multnomah and Washington H5859_1099_CO_3018v3 CMS ACCEPTED CAREOREGON ADVANTAGE STAR (HMO) (A Medicare Advantage Health Maintenance Organization
More informationUnitedHealthcare: Choice Plus HRA Coverage Period: 01/01/ /31/2015 Summary of Benefits and Coverage
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.myuhc.com or by calling 1-866-314-0335. Important Questions
More informationIndividual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Health Savings Plans for Tennessee. medical & b 12/12
Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Health Savings Plans for Tennessee medical & PHARMACY INSURANCE for a VERY UNIQUE INDIVIDUAL. YOU. 858437 b 12/12 Services
More information1199SEIU Greater New York Benefit Fund Summary of Benefits and Coverage: What This Plan Covers and What It Costs
1199SEIU Greater New York Benefit Fund Summary of Benefits and Coverage: What This Plan Covers and What It Costs Coverage Period: Beginning 09/01/2015 Coverage for: Medicare-Eligible Retirees with 25 Years
More informationAll Savers. All Savers Insurance Small Business Health Insurance. Fully Insured Plans
Insurance Small Business Health Insurance Fully Insured Plans For your Small Business Plans that don t break the bank The No. 1 concern for small-business owners is the cost of health care. 1 So, was built
More informationNow Serving Benefits For Your Health!
Benefits Enrollment Guide Minimum Essential Coverage Call A Doctor Plus Accident Insurance Term Life Insurance Now Serving Benefits For Your Health! What s Inside 1 2 3 4 5 6 Back Message: Choose the most
More informationLive it 2019 Aetna Federal Plans
Live it 2019 Aetna Federal Plans The health plan that gets you 19.02.319.1-FED E (9/18) aetnafeds.com From the comfort of your home. Getting in touch is easier than ever. Whether it s a health plan question
More informationYou don t have to meet deductibles for specific services, but see the chart starting on page 3 for other costs for services this plan covers.
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.nipponlifebenefits.com or by calling 1-800-374-1835.
More informationGroup Medicare Plans at a Glance
GROUP MEDICARE PLANS Group Medicare Plans at a Glance for Employer Groups 2015 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org mkt-grpmedplansbro-1014 Coverage You Know and Trust If you
More informationSummary of Benefits. for Anthem MediBlue Select (HMO) Available in Hartford county, CT
Summary of Benefits for Available in Hartford county, CT Anthem Blue Cross and Blue Shield is an HMO plan with a Medicare contract. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal.
More informationPortland Cement Association 2016 Health Insurance Open Enrollment. Benefit Plan Year: January 1 st, December 31 st, 2016
Portland Cement Association 2016 Health Insurance Open Enrollment Benefit Plan Year: January 1 st, 2016 - December 31 st, 2016 WHAT IS OPEN ENROLLMENT? Open enrollment is your once a year opportunity to
More information