INSURE TENNESSEE Action Toolkit

Size: px
Start display at page:

Download "INSURE TENNESSEE Action Toolkit"

Transcription

1 INSURE TENNESSEE Action Toolkit For people in the Healthcare Coverage Gap and their advocates

2 On February 4, the state Senate committee on Health voted NO on the Governor s plan to provide health care for all low income Tennesseans: INSURE TENNESSEE. This toolkit is designed to help you change that outcome for 280,000 low income Tennesseans who need access to health care. Insure Tennessee would provide health coverage for low income Tennesseans people in low wage jobs, part time workers with families, veterans. The Governor s plan is smart, and unique to Tennessee, a model for the rest of the country. Your offer to help educate your friends and neighbors is generous, and critical. A recent survey conducted by MTSU reveals that most Tennesseans do not know much about Insure Tennessee. But once they do know, they really want to do the right thing. Energizing your neighbors is KEY to the closing the Gap THANK YOU For all you do to ensure access to health care for the most vulnerable among us. Teach you neighbors. Contact your legislators. You will make the difference. Print any pages of the toolkit to use as handouts or reference. IF YOU NEED A WORD DOCUMENT so that you can add your own language or brand, mecker@tnjustice.org. For more information about the Gap, see TJC s website: /gap For comments on this toolkit or how to make it a better toolkit, contact Margaret Ecker at mecker@tnjustice.org

3 THE GAP Who is in the Gap? You don t have any health care coverage, you don t make enough money to get Obamacare and you re not eligible for TennCare. The Gap is closer than you think: Up to 280,000 low income Tennesseans have no access to affordable care. 24,000 are veterans. Hospitals are closing. Hospital workers are losing jobs. Rural communities are losing access to hospitals.

4 TRUE GAP: stories about real people struggling in the Gap 21 yo woman, graduating from college this May. She will lose her health care coverage when she graduates. Unless she finds full time work that provides insurance she can afford, she will be forced to live in the Gap for the first time in her life. Insure Tennessee would provide the safety net she needs until she gets her feet on the ground after college. 50yo man, low income, worked on a landscaping crew until back injury and arthritis made physical labor impossible about one year ago. Even when he was working, the work was seasonal and sporadic, and he did not make enough money to afford health insurance. He wants medical help for his arthritis so he can return to work, but he cannot afford to see a doctor. Insure Tennessee would provide the bridge he needs to get healthy and return to the work he loves. 49yo man, low income, formerly worked as short order cook and janitor. As a minimum wage earner all his life, he never had health insurance. He had to pay out of pocket for any health care. A massive heart attack four years ago resulted in $300,000 in unpaid hospital bills. He works part time, now, when he can find work. Without health care coverage, he cannot afford the medications he should be taking. He cannot afford physical therapy prescribed. He spent more time in the hospital recently for new chest pains. Insure Tennessee would allow him to get the help he needs to stay out of the emergency room and get back to work. Older married couple, children grown and on their own. Income around $7,500 a year. Husband worked full time as a patient care aide a local hospital until he was laid off after a shoulder injury left him unable to handle combative patients. He desperately wants to return to work. Wife works part time. Neither can afford doctor visits. Insure Tennessee would provide the safety net they deserve and let them get back to full time work.

5 INSURE TENNESSEE What is Insure Tennessee? Insure Tennessee is Governor Haslam s plan to use federal dollars to help 280,000 Tennesseans get health care coverage. Tennesseans who are eligible for Insure Tennessee have two choices: The Volunteer Plan will help working families buy their employer s insurance through financial assistance. The Healthy Incentives Plan will help families who are unemployed or who do not have insurance through their job get coverage through a new version of TennCare. Both of these programs offer an affordable option for Tennesseans to get health insurance. Without Insure Tennessee, all of these people are left without health care. Who will Insure Tennessee help? Insure Tennessee will provide health care coverage for 280,000 Tennesseans. The most vulnerable among us can t afford the support they need to get healthy and stay healthy. These Tennesseans include working Tennesseans with minimum wage jobs waitresses, janitors, and short order cooks, for example 24,000 Veterans who can t get VA benefits college students whose parents don t have insurance people who could get back to work if they could get healthy again In important ways, all Tennesseans will benefit from Insure Tennessee. Four hospitals have already closed in Tennessee because sick people without insurance can t pay their bills. Hospitals throughout Tennessee are at risk. Insure Tennessee would allow hospitals to stay open.

6 How is Insure Tennessee paid for? Governor Haslam negotiated an agreement to use federal money already set aside for Tennessee to pay for almost the entire cost of Insure Tennessee. Tennessee s hospitals have pledged to pay anything not covered by federal funds. To make sure Insure Tennessee never costs Tennessee taxpayers a dime, the Governor would end the program automatically if the federal money or hospital contributions ever fail to cover the full cost. Who supports Insure Tennessee? Business leaders, including the Tennessee Business Roundtable and the Chamber of Commerce Health care leaders, including the Tennessee Hospital Association, the Tennessee Medical Association, and the Tennessee Nurses Association. Faith leaders across Tennessee Prominent Republicans, including Governor Bill Haslam, Senators Lamar Alexander and Bob Corker, and former Senate Majority Leader Bill Frist. Local elected officials, including many mayors and county officials. Why Does Tennessee Need Insure Tennessee? It isn t just about the people who are uninsured it s about all of us. Hospitals need Insure Tennessee to stay open, especially in rural areas. 21,260 employees at 54 hospitals around the state are at risk of losing their jobs if we don t expand Insure Tennessee. When a community loses its hospital, it loses one of its largest employers, and its ability to recruit and retain doctors and other health care professionals. Insure Tennessee will protect a growing economy. Without healthy hospitals, how can a community hope to recruit new industry? Tennessee is giving up $2.7 million dollars of federal money every day, money that was earmarked just for Tennessee. Insure Tennessee will keep our federal tax dollars here in Tennessee, helping our friends, families and neighbors, and creating jobs. What YOU Can Do Contact YOUR state senator and state legislator. The message: make InsureTN happen. Call to get directly connected.

7 WHAT YOU CAN DO Contact YOUR state senator and state legislator. The message: make InsureTN happen. Call to get directly connected. Constituent calls to the SPONSORS OF THE BILL remain a powerful, necessary action. The message: thank you for your leadership and for your courage. Senate Sponsor: Sen. Doug Overbey: , sen.doug.overbey@capitol.tn.gov House Sponsor: Rep. Gerald McCormick: , rep.gerald.mccormick@capitol.tn.gov Constituent calls to thank the FOUR SENATORS WHO VOTED YES remain a powerful action, necessary action. The message: Thank you for your courage and leadership. Sen. Becky Duncan Massey: (615) , sen.becky.massey@capitol.tn.gov Sen. Ed Jackson: (615) , sen.ed.jackson@capitol.tn.gov Sen. Jeff Yarbro: (615) , sen.jeff.yarbro@capitol.tn.gov Sen. Richard Briggs: (615) , sen.richard.briggs@capitol.tn.gov Constituent calls to the SEVEN SENATORS WHO VOTED NO remain a powerful, necessary action. The message: what s your plan now? Sen. Brian Kelsey: (615) , sen.brian.kelsey@capitol.tn.gov Sen. Mike Bell: (615) , sen.mike.bell@capitol.tn.gov Sen. Janice Bowling: (615) , sen.janice.bowling@capitol.tn.gov Sen. Todd Gardenhire: (615) , sen.todd.gardenhire@capitol.tn.gov Sen. Frank Niceley: (615) , sen.frank.niceley@capitol.tn.gov Sen. Kerry Roberts: (615) , sen.kerry.roberts@capitol.tn.gov Sen. Rusty Crowe: (615) , sen.rusty.crowe@capitol.tn.gov To share what you hear back from legislator contacts, rclifton@tnjustice.org To share creative ideas about How to Teach about InsureTN, kalexander@tnjustice.org To connect with the Gap StoryBank: GAP3

In Congress I will fight to pass the Healthy Families Act, a bill that would guarantee workers the ability to earn up to 7 paid sick days.

In Congress I will fight to pass the Healthy Families Act, a bill that would guarantee workers the ability to earn up to 7 paid sick days. 1 I ve spent my career working to create opportunity, especially for those who get left behind. As an advocate, as Secretary of Labor and Deputy Secretary of Health and Social Services, and as CEO of the

More information

Closing the Gaps in Tennessee: The Pay Gap & The Insurance Gap. A Guide for Tennessee Voters 2016 Election and 2017 Legislative Session

Closing the Gaps in Tennessee: The Pay Gap & The Insurance Gap. A Guide for Tennessee Voters 2016 Election and 2017 Legislative Session Closing the Gaps in Tennessee: The Pay Gap & The Insurance Gap A Guide for Tennessee Voters 2016 Election and 2017 Legislative Session Fellow Tennesseans: AAUW of Tennessee is pleased to offer you this

More information

Overview: This is an activity to help students gain a better understanding of Financial Literacy

Overview: This is an activity to help students gain a better understanding of Financial Literacy Title: Personal Finance 4 Corners Game Subject: CTE Intro Author: Mike Wood and Jeff Hinton Grade Level: 7-12 Utah Core Curriculum: Standard 4, Objective 3 Time Duration: 20-30 Minutes Overview: This is

More information

Strong Public Support Continues for States to Accept Federal Funds to Cover More Uninsured People Through Medicaid

Strong Public Support Continues for States to Accept Federal Funds to Cover More Uninsured People Through Medicaid Strong Public Support Continues for States to Accept Federal Funds to Cover More Uninsured People Through Medicaid April 9, 2013 A new national survey sponsored by the Georgetown University Center for

More information

thirty report. hospital was that Position Support should or should effect until revoked.

thirty report. hospital was that Position Support should or should effect until revoked. 2013 HAT Legislativee Agenda HAT Legislation SB997 / HB343 Decisions and reporting concerning hospitals. Sponsors Sen. Randy McNally / Rep. Michael Harrison Description Establishes that within sixty days,

More information

Project Health Annual Report

Project Health Annual Report Project Health 2012 2013 Annual Report 2013 marks the 10 th Anniversary of Project Health and over $38 million in health care has been donated to Project Health patients by hospitals, doctors, labs, and

More information

PERSONAL FINANCIAL SURVEY

PERSONAL FINANCIAL SURVEY PERSONAL FINANCIAL SURVEY 2004 2004 JUMP$TART QUESTIONNAIRE (Mean score=52.3%. Scores are in bold type. *Indicates correct answer) 1. If each of the following persons had the same amount of take home pay,

More information

2002 JUMP$TART QUESTIONNAIRE. (Mean score = Scores are in bold type. *Indicates correct answer Percentages in red are the totals for Wisconsin)

2002 JUMP$TART QUESTIONNAIRE. (Mean score = Scores are in bold type. *Indicates correct answer Percentages in red are the totals for Wisconsin) 2002 JUMP$TART QUESTIONNAIRE (Mean score = 50.2. Scores are in bold type. *Indicates correct answer Percentages in red are the totals for Wisconsin) 1. Heather has a good job on the production line of

More information

Millions of Poor Are Left Uncovered by Health Law

Millions of Poor Are Left Uncovered by Health Law The New York Times Millions of Poor Are Left Uncovered by Health Law James Patterson for The New York Times Claretha Briscoe, left, of Hollandale, Miss., with family. She earns too much to qualify for

More information

TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE

TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE 3 STEPS TO UNDERSTANDING ACCIDENT & CRITICAL ILLNESS INSURANCE What s Inside Step 1: What What are accident and critical illness insurance products? 4 Step 2: How How do accident and critical illness insurance

More information

MEET PRIYAH MEET JOSH MEET VANESSA MEET MARCO

MEET PRIYAH MEET JOSH MEET VANESSA MEET MARCO GETTING READY FOR BIND Meet Priyah, Josh, Vanessa, and Marco. They are Medtronic employees who plan to enroll in a medical plan in November. Get to know their personal situations and what they consider

More information

Good Evening. I m Lieutenant Governor Peter Kinder and I m honored to speak to you from your state capitol.

Good Evening. I m Lieutenant Governor Peter Kinder and I m honored to speak to you from your state capitol. FOR IMMEDIATE RELEASE January 5, 2009 Remarks By Lt. Governor Peter Kinder Republican Response to State of State Address As Prepared For Delivery Jefferson City_Lt. Governor Kinder tonight delivered the

More information

REAL PLANS FOR REAL PEOPLE BLUEPRINT FOR THE MIDDLE CLASS

REAL PLANS FOR REAL PEOPLE BLUEPRINT FOR THE MIDDLE CLASS BLUEPRINT FOR THE MIDDLE CLASS www.georgewbush.com A LETTER TO AMERICA S MIDDLE CLASS FAMILIES The hopes of American families define the goals of my campaign. In these pages you will find policies that

More information

Basic Course Scenarios and Test Questions

Basic Course Scenarios and Test Questions Basic Course Scenarios and Test Questions Directions The first six scenarios do not require you to prepare a tax return. Read the interview notes for each scenario carefully and use your training and resource

More information

CIBT 2012 Open Enrollment

CIBT 2012 Open Enrollment CIBT Open Enrollment Open Enrollment is from November 21, 2011 to December 9, 2011. CIBT's Role Just as your life changes, so do your benefit needs. Don t miss your once-a-year opportunity to make new

More information

Health care in retirement

Health care in retirement Health care in retirement Today s discussion Retirement health care Information about options Prepare for the unexpected Health care in retirement: Why the concern? 1 Average 65-year-old man will live

More information

PLC.9305 (04.14) SOLUTIONS FOR. Chronic Illness Care

PLC.9305 (04.14) SOLUTIONS FOR. Chronic Illness Care PLC.9305 (04.14) SOLUTIONS FOR Chronic Illness Care 1 Today, life is good. You re healthy, active and living the life you ve always wanted. But what if everything suddenly changed? No one likes to think

More information

PacificSource FAQ: Extension of Dependent Eligibility

PacificSource FAQ: Extension of Dependent Eligibility PacificSource FAQ: Extension of Dependent Eligibility Published: May 21, 2010 Updated: August 9, 2010 and November 19, 2010 General Information What is this about? Under the new federal Patient Protection

More information

Your Guide to Life Insurance for Families

Your Guide to Life Insurance for Families Your Guide to Life Insurance for Families (800) 827-9990 HealthMarkets.com Your Guide to Life Insurance for Families Contents Does My Family Need Life Insurance? 4 Types of Life Insurance for Families

More information

Statement of Jennifer Wittney Horton - June 16, to take a close look at rescission so that it can understand just how damaging this practice

Statement of Jennifer Wittney Horton - June 16, to take a close look at rescission so that it can understand just how damaging this practice Statement of Jennifer Wittney Horton - June 16, 2009 Good morning ladies and gentleman. I want to start by thanking the Committee for this opportunity to testify this morning. I am very pleased that Congress

More information

Dependent Care Flexible Spending Account Frequently Asked Questions

Dependent Care Flexible Spending Account Frequently Asked Questions Dependent Care Flexible Spending Account Frequently Asked Questions What is a dependent care flexible spending account? A dependent care flexible spending account (FSA) is part of your benefits package,

More information

Inside: Domestic Priorities 2 Social Security 3 Enhancing Retirement Security 4 Making Health Care More Affordable 5 Long-Term Care 6

Inside: Domestic Priorities 2 Social Security 3 Enhancing Retirement Security 4 Making Health Care More Affordable 5 Long-Term Care 6 New York US House District 20 How to use the AARP Voters Guide: Here s how this Voters Guide works. AARP asked key questions about issues important to our members and their families of each major candidate

More information

Talking Points in Support of Medicaid Expansion December 29, 2013

Talking Points in Support of Medicaid Expansion December 29, 2013 Talking Points in Support of Medicaid Expansion December 29, 2013 This document contains key talking points in favor of Medicaid expansion. The talking points are sorted by the important themes we wish

More information

2012 Issue #9 September 14, A publication of the Governor s DD Council & ID Action CONTINUED ON PAGE 2

2012 Issue #9 September 14, A publication of the Governor s DD Council & ID Action CONTINUED ON PAGE 2 2012 Issue #9 September 14, 2012 A publication of the Governor s DD Council & ID Action Advocate s Guide Now Available! Nothing is ever simple when it comes to Iowa s mental health and disability system.

More information

THE WHITE HOUSE. Office of the Press Secretary. EMBARGOED FOR DELIVERY March 3, 2010

THE WHITE HOUSE. Office of the Press Secretary. EMBARGOED FOR DELIVERY March 3, 2010 THE WHITE HOUSE Office of the Press Secretary EMBARGOED FOR DELIVERY March 3, 2010 EMBARGOED: Remarks of President Barack Obama on Health Insurance Reform Wednesday, March 3, 2010 Washington, DC Please

More information

Reaching out to renters

Reaching out to renters For financial adviser use only. Not approved for use with customers. Reaching out to renters How to write effective letters and emails to renters about the need for protection With renting on the rise,

More information

Your AARP Personal Guide to Buying Health Insurance. What you should know. BA9802 (3/06)

Your AARP Personal Guide to Buying Health Insurance. What you should know. BA9802 (3/06) Your AARP Personal Guide to Buying Health Insurance What you should know. BA9802 (3/06) A word from AARP Health Care Options AARP Health Care Options is happy to offer you this personal guide to buying

More information

HEALTHCARE REFORM MYTHS AND REALITIES

HEALTHCARE REFORM MYTHS AND REALITIES HEALTHCARE REFORM MYTHS AND REALITIES Over the past several weeks there have been many articles, speeches, blogs, columns, and arbitrary comments about healthcare reform in America, ranging from precise

More information

Health Coverage Options Guide

Health Coverage Options Guide Health Coverage Options Guide Overview At Fresenius Kidney Care, we know that providing superior patient care goes beyond delivering industry leading dialysis services. We also strive to help patients

More information

Medicare Made Clear Answer Guide

Medicare Made Clear Answer Guide Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.

More information

Heartland Monitor Poll XXI

Heartland Monitor Poll XXI National Sample of 1000 AMERICAN ADULTS AGE 18+ (500 on landline, 500 on cell) (Sample Margin of Error for 1,000 Respondents = ±3.1% in 95 out of 100 cases) Conducted October 22 26, 2014 via Landline and

More information

Kansas City Regional Health Assessment

Kansas City Regional Health Assessment Kansas City Regional Health Assessment REACH Healthcare Foundation Prepared by Mid-America Regional Council 2013 The Regional Health Story How socio-economic factors, health access factors, health insurance

More information

Your Health Insurance: Questions and Answers

Your Health Insurance: Questions and Answers Your Health Insurance: Questions and Answers This simple guide will help you understand how to use and keep your health insurance Meet four people with questions about their health insurance: George is

More information

You d do anything to protect the ones you love. And we re ready to help. New York Life Insurance Company

You d do anything to protect the ones you love. And we re ready to help. New York Life Insurance Company You d do anything to protect the ones you love. And we re ready to help. New York Life Insurance Company 1640638 Decisions you make today may affect someone you love tomorrow. There s a good chance many

More information

LONG- TERM CARE INSURANCE

LONG- TERM CARE INSURANCE LONG- TERM CARE INSURANCE Quick Guide This Quick Guide was prepared by Truebridge This site is designed for U.S. residents only. The services offered within this site are available exclusively through

More information

In Debt? Presented by: Together, we do the community justice.

In Debt? Presented by: Together, we do the community justice. In Debt? Presented by: Together, we do the community justice. HOW CAN SOMEONE COLLECT A DEBT FROM YOU? People can collect money from you only if they follow the law. The law permits people to collect a

More information

Michigan Can Afford an Income Tax Cut

Michigan Can Afford an Income Tax Cut LEGISLATIVE March 14, 2017 JAMES M. HOHMAN Michigan Can Afford an Income Tax Cut Michigan Senate Finance Committee i The following is testimony presented to the Michigan Senate Finance Committee by the

More information

Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP)

Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) 2018 Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) The Anthem Lumenos HDHP is a medical plan that offers comprehensive coverage for everything from doctor visits, x-rays and lab tests,

More information

Act today, protect what matters

Act today, protect what matters Why you need protection Act today, protect what matters Life changes. Be prepared. Be protected. Say Yes to Life and Critical illness cover If someone is likely to suffer financially if you fall seriously

More information

Massachusetts Health Reform Tracking Survey

Massachusetts Health Reform Tracking Survey Toplines Kaiser Family Foundation/Harvard School of Public Health/Blue Cross Blue Shield of Massachusetts Foundation Massachusetts Health Reform Tracking Survey June 2007 Methodology The Kaiser Family

More information

Making the Most of Your Coverage. Now that you ve enrolled in health insurance, use this guide to learn how to start using your benefits.

Making the Most of Your Coverage. Now that you ve enrolled in health insurance, use this guide to learn how to start using your benefits. Making the Most of Your Coverage Now that you ve enrolled in health insurance, use this guide to learn how to start using your benefits. Check your mail. Once you ve enrolled in a health insurance plan,

More information

PLC.9305 (12.15) Solutions for Chronic Illness Care

PLC.9305 (12.15) Solutions for Chronic Illness Care PLC.9305 (12.15) Solutions for Chronic Illness Care Today, life is good. You re healthy, active and living the life you ve always wanted. But what if everything suddenly changed? No one likes to think

More information

UNDERSTANDING IDAHO S HEALTH CARE WAIVER OPTIONS 1

UNDERSTANDING IDAHO S HEALTH CARE WAIVER OPTIONS 1 A CHART BOOK FOR UNDERSTANDING IDAHO S HEALTH CARE WAIVER OPTIONS 1 As Proposed by the Health Care Advisory Panel About Us Close the Gap Idaho is a network of over 200 organizations and individuals statewide,

More information

LIFE FINANCIAL MEDICARE HEALTH

LIFE FINANCIAL MEDICARE HEALTH LIFE FINANCIAL MEDICARE HEALTH 4000 Spring Garden St., Suite G Greensboro, NC 27407 Office 336-851-5633 Fax 336-851-5634 LIFE 4000 Spring Garden St., Suite G Greensboro, NC 27407 Office 336-851-5633 Fax

More information

Carer s Allowance. Last reviewed: August Next review date: April 2017

Carer s Allowance. Last reviewed: August Next review date: April 2017 Carer s Allowance You may not think of yourself as a carer, but if you look after someone else you might qualify for extra money to help meet your costs. This factsheet explains what Carer s Allowance

More information

Medicare Advantage Explained 2008

Medicare Advantage Explained 2008 Medicare Advantage Explained 2008 Getting More from Your Medicare Benefits An educational resource from 4 Medicare Basics 7 About Medicare Advantage 9 Medicare Advantage Options 12 Reviewing Your Choices

More information

TennCare Redetermination. Chris Coleman, Staff Attorney

TennCare Redetermination. Chris Coleman, Staff Attorney TennCare Redetermination Chris Coleman, Staff Attorney What the law requires Periodic Redetermination of Medicaid Eligibility By federal law, all Medicaid (TennCare) enrollees must have their eligibility

More information

We reviewed past studies and recommendations on property tax reform, and established the following series of principles to guide our recommendations:

We reviewed past studies and recommendations on property tax reform, and established the following series of principles to guide our recommendations: Report of the Property Tax Reform Task Force of the New Jersey State League of Municipalities: The Case for a Major Property Tax Cut, and an Examination of Policy Options New Jersey needs to cut property

More information

A closer look at your new medical plan options

A closer look at your new medical plan options We re Making Changes for 2012 A closer look at your new medical plan options Be ready to make your best choice during Annual Enrollment: Tuesday, October 4, through Tuesday, October 25 Powering you to

More information

Medicare, VA Health Benefits and TRICARE: What You Need to Know

Medicare, VA Health Benefits and TRICARE: What You Need to Know Medicare, VA Health Benefits and TRICARE: What You Need to Know MMW Coalition Webinar July 31, 2015 AgeOptions 2015. All rights reserved. Who We Are: MMW Leadership AgeOptions Area Agency on Aging (AAA)

More information

Filling Medicare coverage gaps.

Filling Medicare coverage gaps. Medicare Supplement Insurance Plans Filling Medicare coverage gaps. Affordable benefits. Personal attention. Easy to apply. A Division of Health Care Service Corporation, a Mutual Legal Reserve Company,

More information

Social Security Disability Benefits

Social Security Disability Benefits Social Security Disability Benefits A Guide to Social Security Disability Important information for Veterans inside! Roger Skip Ritchie, Jr. Attorney and Consumer Advocate Social Security Disability Benefits

More information

Health Insurance Survey. Currently Insured Persons / / Long-Term Follow-Up Study

Health Insurance Survey. Currently Insured Persons / / Long-Term Follow-Up Study 02/27/2012 02:01:38 PM LTFU Long-Term Follow-Up Study St. Jude Children's Research Hospital Children's Healthcare of Atlanta/Emory University Children's Hospital at Stanford Children's Hospital of Orange

More information

The Oklahoma Health Care Authority wants to help in a fun and exciting way! We want Oklahomans to be SoonerFit!

The Oklahoma Health Care Authority wants to help in a fun and exciting way! We want Oklahomans to be SoonerFit! Let's Get SoonerFit! Fall 2014 Did you know in Oklahoma one in three kids between the ages of 10 and 17 are overweight or obese? Oklahoma is predicted to have the highest obesity rate in the country by

More information

B R O K E R S MA KING A DIF F E R E NCE

B R O K E R S MA KING A DIF F E R E NCE B R O K E R S MA KING A DIF F E R E NCE Health Insurance Agents Help Consumers and Employers Secure Affordable Health Insurance OH IO National Association of Health Under writers 1212 New York Avenue N.W.,

More information

LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS

LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS JANUARY 2005 Long Term Care Insurance Products are Underwritten by General Electric Capital Assurance Company, and in NY, by GE Capital Assurance Company

More information

Insurance Inside Super. A detailed report into members awareness, attitudes and engagement with Insurance Inside Super.

Insurance Inside Super. A detailed report into members awareness, attitudes and engagement with Insurance Inside Super. Insurance Inside Super A detailed report into members awareness, attitudes and engagement with Insurance Inside Super. Insurance Inside Super Research Report A word from our CEO I am very pleased to present

More information

Brought to you by the Missouri Association of Area Agencies on Aging (ma4).

Brought to you by the Missouri Association of Area Agencies on Aging (ma4). Brought to you by the Missouri Association of Area Agencies on Aging (ma4). www.ma4web.org July/August 2014 1 The Missouri Association of Area Agencies on Aging (ma4) was founded in 1973 to serve as a

More information

T. Rowe Price 2015 FAMILY FINANCIAL TRADE-OFFS SURVEY

T. Rowe Price 2015 FAMILY FINANCIAL TRADE-OFFS SURVEY T. Rowe Price 2015 FAMILY FINANCIAL TRADE-OFFS SURVEY Contents Perceptions About Saving for Retirement & College Education Respondent College Experience Family Financial Profile Saving for College Paying

More information

Buying Term Life Insurance in Your 30s

Buying Term Life Insurance in Your 30s Wednesday, June 07, 2017 Buying Term Life Insurance in Your 30s You know what they say about your 30s It s the best time to buy life insurance. Okay, so maybe they don t actually say that, but the point

More information

20% 40% 60% 80% 100% AARP

20% 40% 60% 80% 100% AARP AARP Survey of Idaho Registered Voters ages 30 64: State Health Insurance Exchange Prepared by Jennifer H. Sauer State Research, AARP State health insurance exchanges are a provision of the new health

More information

Basic Certification Test: Study Guide for Tax Year 2017

Basic Certification Test: Study Guide for Tax Year 2017 Basic Certification Test: Study Guide for Tax Year 2017 TRAINING PRACTICE PROBLEMS 2018 i The items in parentheses refer to sections or page numbers in Publication 4012, Volunteer Resource Guide. It s

More information

Your Guide To Understanding Medicare. Finding The Plan That s Best Suited To Your Specific Needs

Your Guide To Understanding Medicare. Finding The Plan That s Best Suited To Your Specific Needs Your Guide To Understanding Medicare Finding The Plan That s Best Suited To Your Specific Needs PIH HEALTH Do You Know When You Are Eligible For Medicare? You are eligible for Original Medicare (Parts

More information

Very unfav. Smwt fav. Smwt unfav

Very unfav. Smwt fav. Smwt unfav AARP Voter s Issues Survey August 21-26, 2018 950 Likely Voters - 724 voters age 50 and older yrs - 226 voters ages 18-49 Favorability and Job Approval Now, I'm going to read you the names of a few people

More information

VIRGINIA. Short Term Medical. Temporary Insurance for Gaps in Health Coverage. Between jobs. New graduates. Enrollment Form Enclosed Apply Today!

VIRGINIA. Short Term Medical. Temporary Insurance for Gaps in Health Coverage. Between jobs. New graduates. Enrollment Form Enclosed Apply Today! VIRGINIA Short Term Medical Temporary Insurance for Gaps in Health Coverage Between jobs Waiting for EMPLOYER BENEFITS Temporary or seasonal employees New graduates Enrollment Form Enclosed Apply Today!

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Retiree Medical FAQs For Retirees

Retiree Medical FAQs For Retirees Retiree Medical FAQs For Retirees The following questions and answers are general in nature and are intended to provide basic information to retirees regarding the change to Dominion s Retiree Medical

More information

TO UNDERSTANDING MEDICAL INSURANCE PACKAGES

TO UNDERSTANDING MEDICAL INSURANCE PACKAGES 3 STEPS TO UNDERSTANDING MEDICAL INSURANCE PACKAGES What s Inside Step 1: What What are medical insurance packages? 4 Step 2: How How do medical insurance packages work? STEPS TO UNDERSTANDING MEDICAL

More information

LIFE FINANCIAL MEDICARE HEALTH

LIFE FINANCIAL MEDICARE HEALTH LIFE FINANCIAL MEDICARE HEALTH 4000 Spring Garden St., Suite G Greensboro, NC 27407 Office 336-851-5633 Fax 336-851-5634 LIFE 4000 Spring Garden St., Suite G Greensboro, NC 27407 Office 336-851-5633 Fax

More information

CLARIFYING INSURANCE CLAIMS What is an Insurance Claim?

CLARIFYING INSURANCE CLAIMS What is an Insurance Claim? CLARIFYING INSURANCE CLAIMS What is an Insurance Claim? Often those in the scleroderma community find themselves frequenting health care providers and being left with mounds of invoices and bills. Medical

More information

Getting Started with Medicare.

Getting Started with Medicare. Getting Started with Medicare. Look inside to: Learn about Medicare Compare plans and choose the right one for you See if you qualify for financial help Learn how to enroll in Medicare if you plan on working

More information

NOTICE TO STUDENT EMPLOYEES: New Health Insurance Marketplace Coverage Options and Your Health Coverage

NOTICE TO STUDENT EMPLOYEES: New Health Insurance Marketplace Coverage Options and Your Health Coverage NOTICE TO STUDENT EMPLOYEES: New Health Insurance Marketplace Coverage Options and Your Health Coverage Distribution of this notice to all employees is required under the federal Patient Protection and

More information

Important Things to Know about Medicare: Chapter Six Medigap Policies 1

Important Things to Know about Medicare: Chapter Six Medigap Policies 1 FCS2342 Important Things to Know about Medicare: Chapter Six Medigap Policies 1 Amanda Terminello and Martie Gillen 2 Important Things to Know about Medicare is a series of 10 publications that will cover

More information

Your Money, Your Goals Spotlight Series. Helping Clients Develop and Manage Cash Flow Budgets

Your Money, Your Goals Spotlight Series. Helping Clients Develop and Manage Cash Flow Budgets Your Money, Your Goals Spotlight Series Helping Clients Develop and Manage Cash Flow Budgets DISCLAIMER This presentation is being made by a Consumer Financial Protection Bureau representative on behalf

More information

Cover VA Script for Advocate and Stakeholder Presentations

Cover VA Script for Advocate and Stakeholder Presentations Cover VA Script for Advocate and Stakeholder Presentations SLIDE 1 SLIDE 2 SLIDE 3 SLIDE 4 SLIDE 5 Thank you for inviting me to speak to you today. This is an exciting time in Virginia. Thousands of Virginians

More information

CENTERS FOR MEDICARE & MEDICAID SERVICES

CENTERS FOR MEDICARE & MEDICAID SERVICES CENTERS FOR MEDICARE & MEDICAID SERVICES 2015 Medicare checklist Read the information in this booklet carefully. It has important information about the decisions you need to make. Watch the mail for your

More information

Key Findings From Qualitative and Quantitative Research Among America s Small Business Owners

Key Findings From Qualitative and Quantitative Research Among America s Small Business Owners Key Findings From Qualitative and Quantitative Research Among America s Small Business Owners 10 Triads (Qualitative discussion sessions with three to four business owners per session) National Survey

More information

HR 676: 35 Questions and Answers

HR 676: 35 Questions and Answers Prepared by Single Payer Now www.singlepayernow.net Updated Feb 9, 2009 HR 676: 35 Questions and Answers Q1: What is the name of this Act? {Section 1(a)} A1: This Act is called the United States National

More information

Remember, your job is to manage working capital (cash) and ensure your company has enough of it to grow and to weather economic downturns.

Remember, your job is to manage working capital (cash) and ensure your company has enough of it to grow and to weather economic downturns. Remember, your job is to manage working capital (cash) and ensure your company has enough of it to grow and to weather economic downturns. We encourage you to read Simple Numbers, Straight Talk, Big Profits!

More information

Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES

Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES Your Personalized Medicare Manager Is Waiting for You Online. Go to My.Medicare.gov and get the personalized information you need to make better

More information

Vanderbilt University Poll December Survey Results

Vanderbilt University Poll December Survey Results Vanderbilt University Poll December 2012 Survey Results Vanderbilt University Poll December 2012 Toplines for REGISTERED VOTERS N = 829; Margin of Error +/- 4.3% SEX. Record Respondent s sex Male 48% Female

More information

Medicare Enrollment and Coverage Decisions. Transitioning from Employer-Sponsored Group Health Plans to Medicare

Medicare Enrollment and Coverage Decisions. Transitioning from Employer-Sponsored Group Health Plans to Medicare Medicare Enrollment and Coverage Decisions Transitioning from Employer-Sponsored Group Health Plans to Medicare City of Roswell July 9, 2014 Introduction Kris Alderman Lewis Brisbois Bisgaard & Smith ERISA

More information

PLANNING FOR RETIREMENT: THE HEALTHCARE WILDCARD. Understanding healthcare costs in retirement // Misconceptions about Medicare // Taking action

PLANNING FOR RETIREMENT: THE HEALTHCARE WILDCARD. Understanding healthcare costs in retirement // Misconceptions about Medicare // Taking action PLANNING FOR RETIREMENT: THE HEALTHCARE WILDCARD Understanding healthcare costs in retirement // Misconceptions about Medicare // Taking action KEY TAKEAWAYS Even with supplemental insurance and Medicare,

More information

National Healthcare Reform. Tim Shannon Shannon Government Relations

National Healthcare Reform. Tim Shannon Shannon Government Relations National Healthcare Reform Tim Shannon Shannon Government Relations Past Presidents Who Fought for Reform Theodore Roosevelt Harry S. Truman (pic from flash-pack.com) John F. Kennedy (pic from thefamouspeople.com)

More information

Guide to Medicare Prescription Drug Coverage

Guide to Medicare Prescription Drug Coverage Guide to Medicare Prescription Drug Coverage The Senior Health Insurance Information Program a service of the State of Iowa Insurance Division This project was supported, in part by grant number 90SA0048-01-01,

More information

Welcome to Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES

Welcome 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 information

The Health Care Law: How It Helps People With Cancer and Their Families

The Health Care Law: How It Helps People With Cancer and Their Families The Health Care Law: How It Helps People With Cancer and Their Families The new health care law can help save lives from cancer. Learn how it could help you and the people you love. America has some of

More information

FOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP. She s Got It: A woman s guide to savings and investing

FOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP. She s Got It: A woman s guide to savings and investing FOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP She s Got It: A woman s guide to savings and investing Agenda She s got it: A woman s guide to saving and investing Financial goals and strategies Basics

More information

Make Medicaid Better, Don t Cut It! What You Need to Know About Centennial Care 2.0

Make Medicaid Better, Don t Cut It! What You Need to Know About Centennial Care 2.0 Make Medicaid Better, Don t Cut It! What You Need to Know About Centennial Care 2.0 The Human Services Department (HSD) recently released its draft plan to renew the state s Medicaid waiver (aka Centennial

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Look inside to: Learn about Medicare Compare plans and choose the right one for you See if you qualify for financial help Learn how to enroll in Medicare if you plan on working

More information

What s New for 2019 THE SOURCE. The New Oxy Medicare Advantage PPO Plan. Your Benefit News for Retirees

What s New for 2019 THE SOURCE. The New Oxy Medicare Advantage PPO Plan. Your Benefit News for Retirees Your Benefit News for Retirees What s New for 2019 The New Oxy Medicare Advantage PPO Plan THE SOURCE Previously, Oxy announced a new retiree medical plan effective January 1, 2019, for retirees, spouses

More information

What you need to know about

What you need to know about What you need to know about long-term care insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions

More information

Malcolm and Anna Crowe A Case Study in Retirement Planning

Malcolm and Anna Crowe A Case Study in Retirement Planning Malcolm and Anna Crowe A Case Study in Retirement Planning Until recently Malcolm Crowe and his wife Anna never really thought about retirement but after turning 45 recently, Malcolm realized it was time

More information

IMPROVING EMPLOYEE ENGAGEMENT THROUGH FINANCIAL WELLNESS

IMPROVING EMPLOYEE ENGAGEMENT THROUGH FINANCIAL WELLNESS IMPROVING EMPLOYEE ENGAGEMENT THROUGH FINANCIAL WELLNESS W H I T E P A P E R 3% Have financial well-being strategy but no physical well-being strategy 27% Physical well-being initiative but no financial

More information

Trump, Congress, and the Outlook for Tax Reform, Muni Bonds, and other Washington Issues November 3, Chuck Samuels, Mintz Levin (NAHEFFA)

Trump, Congress, and the Outlook for Tax Reform, Muni Bonds, and other Washington Issues November 3, Chuck Samuels, Mintz Levin (NAHEFFA) MASSDEVELOPMENT Trump, Congress, and the Outlook for Tax Reform, Muni Bonds, and other Washington Issues November 3, 2017 Chuck Samuels, Mintz Levin (NAHEFFA) Mike Rock, American Hospital Association Matt

More information

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.

More information

LIFESTYLE CARE COVER

LIFESTYLE CARE COVER LIFESTYLE CARE COVER Lifelong cover that pays out when you die, or earlier if you can t look after yourself. THE LONGER YOU LIVE, THE MORE LIKELY YOU ARE TO NEED HELP LOOKING AFTER YOURSELF * THE COSTS

More information

Mary Kay Cosmetics. Kimberly Cavarretta Cadillac Senior Sales Director 5915 Royal Country Ct. St. Louis, MO Phone:

Mary Kay Cosmetics. Kimberly Cavarretta Cadillac Senior Sales Director 5915 Royal Country Ct. St. Louis, MO Phone: Kimberly Cavarretta Cadillac Senior Sales Director 5915 Royal Country Ct. St. Louis, MO 63129 Phone: 314-846-6111 E-Mail: kcavarretta@earthlink.net Congratulations! You're now the husband of a new Mary

More information

Medicaid Expansion, The Arizona Experience

Medicaid Expansion, The Arizona Experience Medicaid Expansion, The Arizona Experience America s Essential Hospitals Webinar 12 March 2013 Presented by Helena Whitney 0 PRE MEDICAID EXPANSION 1 MEDICAID IN ARIZONA AHCCCS is Arizona s version of

More information

TennCare: A Closer Look. a legislative briefing paper by the Office of Research Comptroller of the Treasury State of Tennessee

TennCare: A Closer Look. a legislative briefing paper by the Office of Research Comptroller of the Treasury State of Tennessee TennCare: A Closer Look a legislative briefing paper by the Office of Research Comptroller of the Treasury State of Tennessee October 2001 TennCare: A Closer Look a legislative briefing paper by Douglas

More information