The Basics of Medicare, Updated With the 2008 Board of Trustees Report
|
|
- Miles Strickland
- 5 years ago
- Views:
Transcription
1 Emplyee Benefit Research Institute th St. NW #878 Washingtn, DC / May 2008 The Basics f Medicare, Updated With the 2008 Bard f Trustees Reprt Histry In 1965, Title 18, Health Insurance fr the Aged, f the Scial Security Act created the Medicare prgram. Medicare currently cnsists f three parts: Hspital Insurance (HI), Part A, cvers hspital services and sme hme health care and skilled nursing facility services, and Supplemental Medical Insurance (SMI), Part B, cvers physician care, utpatient hspital services, and independent labratry services; and Part D, cvers utpatient prescriptin drugs. In 1972, the Medicare prgram was expanded t include disabled persns wh qualified fr benefits under the Disability Insurance (DI) prgram and certain individuals with end-stage renal (kidney) disease. In 1986, all state and lcal gvernment emplyees hired after Mar. 31, 1986, and nt cvered under Scial Security, were required t be cvered by Medicare. In 1997, the Balanced Budget Act f 1997 expanded the delivery f health care under Medicare with the Medicare+Chice prgram. See belw fr mre details in the sectin Medicare Advantage. In 1997, under the Balanced Budget Act f 1997, hme health services nt assciated with a hspital r skilled nursing facility stay fr individuals enrlled in bth HI and SMI were transferred frm the HI prgram t the SMI prgram, effective January In 2000, Cngress enacted the Benefits Imprvement and Prtectin Act (BIPA) t increase payments t plans in an effrt t stp plans frm withdrawing frm the Medicare+Chice prgram. In 2003, Cngress enacted the Medicare Prescriptin Drug Imprvement and Mdernizatin Act, which created Part D, prescriptin drug cverage, means-tested Part B premiums and increased the Part B deductible. Cvered Beneficiaries Medicare serves elderly and disabled wrkers wh qualify fr DI benefits. Enrllment in HI (Part A) is autmatic, while enrllment in SMI (Parts B and D) is vluntary. In 2007, 36.6 millin elderly and 7.2 millin disabled individuals were enrlled in Part A, and 34.6 millin elderly and 6.4 millin disabled individuals were enrlled in Part B, and 30.9 millin individuals were enrlled in Part D. Financing Expressing Medicare expenditures as a percentage f grss dmestic prduct (GDP) gives a relative measure f the size f the Medicare prgram cmpared t the general ecnmy. The prjectin f this measure affrds the public an idea f the relative financial resurces that will be necessary t pay fr Medicare services. In 2007, expenditures in the Medicare prgram equaled 3.18 percent f GDP. By 2080, that share is estimated t grw t percent. Hwever, after 2007, the prjected Part B, SMI, and ttal Medicare expenditures are unrealistically lw because f the current-law physician payment reductins. Shuld these payment rates, by new legislatin, be prevented frm declining, the verall Medicare csts shwn in this sectin wuld be increased pssibly by 4 t 8 percent fr 2030 and later, depending n the specific changes enacted. Medicare csts are prjected t exceed thse f the Scial Security OASDI prgram in 2028 and t be 85 percent mre than Scial Security by Federal Budgetary Prcesses Currently, the U.S. Department f the Treasury credits the Medicare and Scial Security trust funds with any annual excess f Medicare and Scial Security tax revenues ver the amunt spent fr current benefits. By law, these assets must be invested in special securities issued by the Treasury. The gvernment then spends these assets t ease fiscal pressures n ther prgrams. The trust fund surpluses are nt reserved fr future Medicare and Scial Security benefits but are bkkeeping entries shwing hw much the Medicare and Scial Security prgrams have lent t the Treasury (r alternatively, what is wed t Medicare and Scial Security, including interest, by the Treasury). When the trust funds g int negative cash flw, the Treasury must start repaying the mney. Fr budgetary purpses, the date n which the trust funds g int negative cash flw (i.e., the benefit payments exceed the incme frm payrll taxes and the taxatin f benefits) is significant because it marks the pint at which the gvernment must prvide cash frm general revenues t the prgrams rather than receive surplus cash frm them t fund ther current spending.
2 2 4Part A: Hspital Insurance (HI) The Balanced Budget Act f 1997 cntained numerus prvisins affecting the Medicare prgram. These prvisins were designed in part t pstpne the imminent depletin f the HI trust fund, which, accrding t the 1997 Bard f Trustees reprt, had been prjected fr In 2008, the fund is expected t begin using interest earnings t cver the excess f expenditures ver tax incme. Beginning in 2011, trust fund assets will begin t be used t cver the excess. The HI trust fund is expected t be exhausted by The difference between Medicare Part A s ttal utlays and its dedicated financing surces is estimated t reach 45 percent f utlays in fiscal year 2014, the seventh year f the prjectin. As a result, the Bard f Trustees is required t issue a determinatin f prjected excess general revenue Medicare funding in this reprt. This is the secnd cnsecutive such finding that triggers a statutry Medicare funding warning, indicating that federal general revenues are becming a substantial share f ttal financing fr Medicare. As required by law, the president must again submit t Cngress prpsed legislatin t respnd t the warning, and Cngress must cnsider the legislatin n an expedited basis. (In February 2008, President Bush submitted legislatin respnding t the Medicare funding warning triggered by the 2007 Medicare Trustees Reprt.) HI payrll taxes are based n a cmbined emplyer/emplyee rate f 2.9 percent. The Omnibus Budget Recnciliatin Act f 1993 cmpletely remved any wage base limit fr the HI payrll tax, effective Jan. 1, In 2007, ttal incme fr the HI trust fund was $223.7 billin: $191.9 billin came frm payrll taxes, $10.6 billin frm taxatin f Scial Security benefits, $16.5 billin frm interest, $2.8 billin frm premium payments, and $1.9 billin frm general revenue and ther surces. 1 In 2007, the average amunt reimbursed per enrllee in Part A was $4,573. In 2007, administrative csts fr Part A were $2.9 billin, r 1.4 percent f expenditures. The unfunded bligatin f the HI trust fund, frm prgram inceptin t 2082, is estimated t be $12.4 trillin, while the unfunded bligatin frm prgram inceptin thrugh the infinite hrizn is $34.4 trillin. 4Part B: Supplementary Medical Insurance (SMI) The SMI trust fund is financed n a year-by-year basis. The SMI prgram derives its revenues frm premium payments by beneficiaries and general revenues frm the federal budget. Under current law, n mre than 25 percent f SMI's revenues can cme frm premium payments. In 2007, ttal incme fr Part B f the SMI trust fund was $238.2 billin: $178.4 billin frm general revenues f the federal gvernment; $50.6 billin in premium payments, $6.9 billin in transfers frm states, and $2.3 billin in interest. The average amunt reimbursed per enrllee in Part B was $4,312, in In 2007, administrative csts fr Part B were $3.4 billin, r 1.5 percent f expenditures. The unfunded bligatin f Part B, frm prgram inceptin thrugh 2082, is estimated t be $21.2 trillin, while the unfunded bligatin frm prgram inceptin thrugh the infinite hrizn is $45.9 trillin. 4Part D: Medicare Prescriptin Drug Accunt Part D is financed by beneficiary premium payments, transfers frm the general fund f the Treasury and transfers frm state gvernments. Premiums are t accunt fr 25.5 percent f the ttal csts f Part D. In 2007, ttal incme fr Part D f the SMI trust fund was $49.5 billin: $38.8 billin frm general revenues f the federal gvernment; $3.9 billin in premium payments, and $6.9 billin in transfers frm states. The average amunt reimbursed per enrllee in Part D was $1,575, in The unfunded bligatin f Part D, frm prgram inceptin thrugh 2082, is estimated t be $10.0 trillin, while the unfunded bligatin frm the prgram inceptin thrugh the infinite hrizn is $21.8 billin. Estimated peratins f the Part D accunt are summarized belw. Actual experience fr 2006 came in significantly lwer than the lw-cst estimates frm the 2006 Trustees Reprt.
3 3 Part D Estimated Operatins Premiums Frm Other Ttal Ttal Calendar Year Enrllees Incme 1 Revenue Expenditures ($ in billins) Actual Experience 2007 $ 3.9 $ 45.6 $ 49.5 $ 49.5 Estimated 2007 Operatins frm 2007 Trustees Reprt Intermediate Assumptins Lw Cst Assumptins High Cst Assumptins Cntains federal and state gvernment payments plus interest incme. 2 Intermediate assumptins. Cst-Sharing Prvisins 4Hspital Insurance (HI): Part A Part A requires an enrlled individual t pay varius deductibles and c-pays, depending n the facility where the service is prvided and the length f stay Cst-Sharing Prvisins In-patient Hspital Deductible Fr a hspital stay f 1 60 days, a patient is liable fr a $1,024 deductible. Fr a hspital stay f days, the patient is liable fr a $256 c-pay per day. Fr a hspital stay f mre than 90 days, a patient is liable fr a $512 c-pay per day. Skilled Nursing Facility There is n deductible r c-pay fr the first 20 days f a skilled nursing facility stay. If the stay lasts fr 21 days r lnger, the patient is liable fr a $128 c-pay per day. Part A Premium Fr an individual wh is age 65 r lder and nt therwise cvered by the Medicare prgram, the mnthly premium t be cvered by Part A is $423. Fr enrllees wh have at least 30 quarters f credit may apply fr a reduced premium. That reduced premium amunt is $ Cst-Sharing Prvisins Estimates (based n intermediate assumptins) In-patient Hspital Deductible Fr a hspital stay f 1 60 days, a patient is estimated t be liable fr an $1,488 deductible. Fr a hspital stay f days, the patient is estimated t be liable fr a $372 c-pay per day. Fr a hspital stay f mre than 90 days, a patient is estimated t be liable fr a $744 c-pay per day. Skilled Nursing Facility There is n deductible r c-pay fr the first 20 days f a skilled nursing facility stay. If the stay lasts fr 21 days r lnger, the patient is estimated t be liable fr a $186 c-pay per day. Part A Premium Fr an individual wh is age 65 r lder and nt therwise cvered by the Medicare prgram, the mnthly premium t be cvered by Part A is estimated t be $610. Enrllees wh have at least 30 quarters f credit may apply fr a reduced premium. In 2017, that reduced premium amunt is estimated t be $336. The use f Medicare benefits is calculated based n benefit perids and reserve days. The benefit perid is the blck f time used t determine hw much f a deductible and/r c-pay the beneficiary wes. A benefit perid begins and ends when he r she has been ut f the hspital fr 60 cnsecutive days. Fr example, if a beneficiary enters the hspital n Nvember 10, 2008, and is released n Nvember 24, 2008, he r she is liable fr $1,024. If the beneficiary is readmitted t the hspital n December 20, 2008, and released n December 26, 2008, he r she des nt have t pay anther $1,024. The beneficiary is liable t pay the deductible per benefit perid, nt per admissin. The benefit perid n this example runs until January 24, There is n limit n the number f benefit perids a beneficiary may use in a lifetime, except fr hspice care, which entitles a beneficiary t tw 90-day perids and ne 30-day perid. Reserve days are used fr hspital stays beynd 90 days. A beneficiary is entitled t nly 60 reserve days. 4Supplementary Medical Insurance (SMI): Part B Since Part B f Medicare is vluntary, participants are required t make a mnthly cntributin t the premium. Part B premiums are autmatically deducted frm the enrllee s Scial Security benefit, prvided the enrllee receives Scial Security benefits. Under current law, n mre than 25 percent f Part B s revenues can cme frm premium payments. The Medicare Prescriptin Drug Imprvement and Mdernizatin Act f 2003 requires the Medicare Part B premium t be related t incme starting in By 2011, premiums will increase with incme. Medicare beneficiaries with incme under $80,000 ($160,000 fr a married cuple) will cntinue t be required t pay 25 percent f the cst f Part
4 4 B. Hwever, beneficiaries with incme between $80,000 and $100,000 will be required t pay 35 percent f the premium, and beneficiaries with incme f at least $200,000 will be respnsible fr 80 percent f the premium t enrll in Part B. These incme levels will als be indexed t general inflatin. Premiums In 2008, the mnthly premium is $ By 2017, the mnthly premium is estimated, under intermediate assumptins, t be $ Annual Deductible This is applied t all Part B services except hme health care services. In 2008, the annual deductible is $135. By 2017, the annual deductible is estimated, under intermediate assumptins, t be $178. Cinsurance Cinsurance payment in 2008 is 20 percent. 4 Supplementary Medical Insurance (SMI): Part D The Medicare Prescriptin Drug Imprvement and Mdernizatin Act f 2003 created Part D a prescriptin drug benefit. Under current law, n mre than 25.5 percent f Part D s revenues can cme frm premium payments Cst-Sharing Prvisins Premiums the base beneficiary premium is $ Annual Deductible the annual deductible is $275. Initial Benefit Limit the initial benefit limit is $2,510. The catastrphic threshld limit is $4, Cst-Sharing Prvisins estimates (based n intermediate assumptins) Premiums the base beneficiary premium is $ Annual Deductible the annual deductible is $535. Initial Benefit Limit the initial benefit limit is $4,830. The catastrphic threshld limit is $7, Supplementary Medical Insurance Csts Cmpared With Scial Security Benefits The average Part B plus Part D premium in 2010 is estimated t equal 11 percent f the average Scial Security benefit but wuld increase t an estimated 29 percent in Similarly, an average cst-sharing amunt in 2010 wuld be equivalent t 14 percent f the Scial Security benefit, increasing t 37 percent in Medigap Althugh Medicare eases many financial wrries fr the elderly, it des nt cver 100 percent f all medical services. Medicare s deductibles and c-payments can be high, particularly fr lng hspital stays. Medicare des nt cver all medical services. Mst ntable are eye exams and glasses, hearing aids, and dental services. T help meet these additinal expenses, Medicare beneficiaries frequently purchase what is knwn as Medigap plicies. A Medigap plicy is purchased in the individual market. In the 1970s and 1980s, Medicare enrllees encuntered prblems with purchasing health insurance t supplement Medicare. In the Omnibus Budget Recnciliatin Act f 1990 (OBRA 90), Cngress charged the Natinal Assciatin f Insurance Cmmissiners (NAIC) with develping a variety f Medigap plicies. NAIC develped 10 plicies ranging frm a basic cverage plan, Plan A, t cmprehensive cverage, Plan J. Insurance carriers are nt required t ffer all 10 plicies, but if a carrier ffers Medigap plicies, they must be frm the 10 plicies designed by NAIC. Exceptins t this rule are fr carriers in Massachusetts, Minnesta, and Wiscnsin, states that had Medigap laws in place befre OBRA 90. As f January 1, 2006, Medigap plicies prviding cverage fr prescriptin drugs (Plans H, I, and J) cannt be sld r issued, thugh they can be renewed if an individual des nt enrll in Medicare Part D. The Centers fr Medicare & Medicaid Services maintains an interactive Web page designed t assist an enrllee in btaining Medigap cverage. The Web site is at the fllwing link: Cvered Services 4 Hspital Insurance (HI): Part A Hspitalizatin Cvered services include semiprivate rm and bard, general nursing, miscellaneus hspital services and supplies, inpatient psychiatric hspital care. Pst-hspital Skilled Nursing Facility Care T receive this service, the individual must have been in the hspital fr at least three days and enter facility within 30 days after hspital discharge. Hme Health Care Cvered services include part-time skilled nursing care, physical therapy, ccupatinal therapy, speech-language therapy, hme health aide services, medical scial services, durable medical equipment (such as wheelchairs) and medical supplies. Hspice Care Cvered services include medical and supprt services frm a Medicare-apprved hspice fr peple with a terminal illness, drugs fr symptm cntrl and pain relief, and ther services nt therwise cvered by Medicare. Hspice care is usually given in the hme. Hwever, shrt-term hspital and inpatient respite care (care given t a hspice patient by anther caregiver s that the usual caregiver can rest) are cvered when needed. Bld Cvered services include pints f bld received at a hspital r skilled nursing facility during a cvered stay. 4Supplementary Medical Insurance (SMI): Part B Medical and Other Services Cvered services include dctrs services (nt rutine medical exams), utpatient medical and surgical services and supplies, diagnstic tests, ambulatry surgery center facility fees fr apprved
5 5 prcedures, and durable medical equipment (such as wheelchairs). Part B cvers secnd surgical pinins, utpatient mental health care, utpatient physical and ccupatinal therapy, including speech-language therapy. Clinical Labratry Services Services include bld tests, urinalysis, and mre. Hme Health Care Services include part-time skilled nursing care, physical therapy, ccupatinal therapy, speechlanguage therapy, hme health aide services, medical scial services, durable medical equipment (such as wheelchairs) and medical supplies, and ther services. Outpatient Hspital Services Services include hspital services and supplies received as an utpatient as part f a dctr s care. Bld Cvered services include pints f bld received as an utpatient r as part f a Part B cvered service. 4Supplementary Medical Insurance (SMI): Part D Prvides subsidized access t drug insurance cverage n a vluntary basis fr all beneficiaries and premium and cstsharing subsidies fr lw-incme beneficiaries. Medicare Advantage The Medicare Prescriptin Drug Imprvement and Mdernizatin Act f 2003 changed the name f the Medicare+Chice prgram t Medicare Advantage. The Medicare Advantage prgram was created by Cngress in the Balanced Budget Act f 1997 t allw mre types f health insurance plans, including managed care plans, t serve Medicare beneficiaries. In 2005, 5.8 millin Medicare beneficiaries (13.0 percent f Medicare beneficiaries) were enrlled in a Medicare Managed Care. This number is estimated t increase t 16.0 millin (31.7 percent f Medicare beneficiaries). Since 1998, mst managed care cntracts with the Centers fr Medicare & Medicaid Services have perated under the Medicare Advantage prgram. Trustees in 2008 Treasury Secretary Henry M. Paulsn, Jr. acts as the Managing Trustee. The ther trustees include: Elaine Cha, Secretary f Labr; Michael O. Leavitt, Secretary f Health and Human Services; Michael J. Astrue, Cmmissiner f Scial Security; Leslie V. Nrwalk, Administratr f the Centers fr Medicare and Medicaid Statistics and Secretary, Bard f Trustees; the tw public trustee psitins are currently vacant. A cpy f the 2008 Trustees reprt is nline at Recent EBRI Research n Medicare and Retiree Health Savings Needed t Cver Health Insurance and Health Care Expenses in Retirement, EBRI Issue Brief n. 295 (July 2006) The Impact f the Ersin f Retiree Health Benefits n Wrkers and Retirees, EBRI Issue Brief n. 279 (March 2005): Cntrlling Health Csts and Imprving Health Care Quality fr Retirees, EBRI Issue Brief n. 278 (February 2005): Health Care Expenses in Retirement and the Use f Health Savings Accunts, EBRI Issue Brief n. 271 (July 2004): Medicare Prgram Takes n Mre Incme-Related Features, EBRI Ntes, n. 5 (May 2004): Fr additinal detailed infrmatin n the Medicare prgram, g t which is maintained by the Centers fr Medicare & Medicaid Services, part f the U.S. Department f Health and Human Services. Surce: U.S. Department f Health and Human Services, Centers fr Medicare & Medicaid Services, 2008 Annual Reprt f the Bard f Trustees f the Federal Hspital Insurance and Federal Supplementary Medical Insurance Trust Fund (Washingtn, DC: U.S. Gvernment Printing Office, 2008). 1 Other incme includes recveries f amunts reimbursed frm the trust fund that are nt bligatins f the trust fund, receipts frm the fraud and abuse cntrl prgram, and a small amunt f miscellaneus incme. FS-204
The Basics of Medicare Updated With the 2009 Board of Trustees Report
Emplyee Benefit Research Institute 1100 13 th St. NW #878 Washingtn, DC 20005 202/659-0670 The Basics f Medicare Updated With the 2009 Bard f Trustees Reprt July 2009 Histry In 1965, Title 18, Health Insurance
More informationThe Basics of Medicare, Updated With the 2005 Board of Trustees Report
June 2005 The Basics of Medicare, Updated With the 2005 Board of Trustees Report History In 1965, Title 18, Health Insurance for the Aged, of the Social Security Act created the Medicare program. Medicare
More informationABLE Accounts: 10 Things You Should Know
ABLE Natinal Resurce Center 1667 K Street, NW Suite 640 Washingtn, DC 200006 (202) 296-2040 inf@ablenrc.rg ABLE Accunts: 10 Things Yu Shuld Knw 1. What is an ABLE accunt? ABLE Accunts, which are tax-advantaged
More informationEmployee Benefits Guide. January 1 December 31, 2019
Emplyee Benefits Guide 2019 January 1 December 31, 2019 Medical and Prescriptin Drugs Benefits are insured by: 4 Medical Plan Optins Effective January 1, 2019 Premium Netwrk HDHP 1 Nn-Premium Netwrk Nn-Netwrk
More informationHow to Count Employees Determining Group Size Under the Medicare Secondary Payer Regulations
Hw t Cunt Emplyees Determining Grup Size Under the Medicare Secndary Payer Regulatins 1. Wh is an Emplyee? An emplyee is an individual wh wrks fr an emplyer r an individual wh, althugh nt actually wrking
More informationHigh Deductible Health Plan/ Health Savings Account Presentation
High Deductible Health Plan/ Health Savings Accunt Presentatin WHY THE CHANGE? Current plan cannt be sustained inflatin and disease states cmpunding effect n cst fr emplyees and Bard HDHC plan structured
More informationSENATE RELEASES DRAFT ACA REPLACEMENT BILL
HIGHLIGHTS Senate Republicans released their ACA replacement legislatin, called the Better Care Recnciliatin Act. The Senate bill clsely mirrrs the Huse prpsal the American Health Care Act including by:
More informationA Guide to Understanding Medicare Benefits
WEALTH SOLUTIONS GROUP A Guide t Understanding Medicare Benefits This cmprehensive guide prvides an verview f the key cmpnents f Medicare, including eligibility requirements, an explanatin f the different
More informationSocial Security Administration
Scial Security Administratin 1329 S. Divisin St. Traverse City MI 49684 September 25, 2018 Clumns & Features Mnthly Infrmatin Package Octber 2018 WORKERS' COMPENSATION AND CERTAIN DISABILITY PAYMENTS MAY
More informationSteps toward Retirement
Steps tward Retirement Eligibility, Actin Steps, and Benefit Optins fr Faculty and Staff Nearing Retirement Eligibility fr Official University Retiree Status The fllwing jb types f the University are eligible
More information$5,884 $16,351. Employer Health Benefits 2013 ANNUAL SURVEY. High-Deductible Health Plans with Savings Option. section
57% $16,351 Emplyer Health Benefits 2013 ANNUAL SURVEY High-Deductible Health Plans with Savings Optin sectin $5,4 2013 Sectin Eight: High-Deductible Health Plans with Savings Optin Changes in law ver
More informationPLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.
PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE THE VALUE OF PLANNING AHEAD
More informationInformation Package CAFETERIA 125 PLANS
Infrmatin Package CAFETERIA 125 PLANS Shaffer Insurance Services, Inc. Benefits Divisin 902 E. Ave Q-9 Palmdale Ca. 93550 Tll Free (866) 412-5872 Office Tel (661) 575 9331 Fax (661) 280 2016 Sectin 125
More informationYou can get help from government organizations that are not connected with us
2011 Evidence f Cverage fr Medi-Pak Advantage MA (PFFS) Chapter 9: What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints) BACKGROUND SECTION 1 Intrductin Sectin 1.1 What t d if
More informationREFERENCE NUMBER: PFS.PDS.115. TITLE: Patient Billing and Collections CURRENT EFFECTIVE DATE: 01/01/2018. PAGE 1 of 8 SCOPE:
PAGE 1 f 8 SCOPE: This Patient Billing and Cllectins Plicy applies t all Presbyterian Healthcare Services (Presbyterian) hspital facilities, including inpatient, utpatient, hme health care services and
More informationHighlights for 2017 Compliance
Prvided by Natinal Insurance Services, Inc. Highlights fr 2017 Cmpliance The Affrdable Care Act (ACA) has made a number f significant changes t grup health plans since the law was enacted in 2010. Many
More information2019 HMO Summary of Benefits
2019 HMO Summary f Benefits Memrial Hermann Advantage HMO H7115, Plan 001 January 1, 2019 - December 31, 2019. This Summary f Benefits dcuments prvides an utline f health and drug services cvered by Memrial
More informationPreparing for Your Early Retirement
Preparing fr Yur Early Retirement Imprtant Infrmatin fr Railrad Emplyees Eligible fr GA-46000 Eligibility fr Railrad Annuity Railrad Retirement Bard https://secure.rrb.gv/ Call yur lcal Railrad Retirement
More informationImplementing ABLE: 2016
Implementing ABLE: 2016 Mderatr: Michael Mrris, Executive Directr Natinal Disability Institute (NDI) ablenrc.rg Agenda Slide 2 ABLE Basics and Cre Cmpnents Status f Federal and State Implementatin Ntice
More informationInstitute For Orthopaedic Surgery (IOS) Subject: Healthcare Financial Assistance Policy
Institute Fr Orthpaedic Surgery (IOS) Subject: Healthcare Financial Assistance Plicy Plicy and Prcedure Manual Subject: HealthCare Financial Assistance Plicy Purpse: T establish guidelines fr financial
More informationHarvard Pilgrim s Stride SM (HMO) Medicare Advantage Plan
2018 Summary f Benefits Harvard Pilgrim s Stride SM (HMO) Medicare Advantage Plan Maine Andrscggin, Cumberland, Kennebec, Sagadahc, and Yrk cunties Y0098_18030 Accepted and Summary f Benefits January 1,
More informationSocial Security Administration
1 Scial Security Administratin 1329 S. Divisin St. Traverse City MI 49684 Nvember 17, 2017 December 2017 Clumns & Features 5 WAYS SOCIAL SECURITY PROTECTS YOU AND YOUR FAMILY..2 IS IT MEDICARE OR MEDICAID?..
More informationCoOportunity Health Products and Information
Prvider Training Materials COprtunity Health Prducts and Infrmatin Brief prduct verviews, features, and sample identificatin cards fllw. Prduct Overview COprtunity Health ffers three prducts: COprtunity
More informationWhat Does Specialty Own Occupation Really Mean?
What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t dentists but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin
More informationFinancing Changes and Added Flexibility for Medicaid. Matt Salo, Executive Director May 24, th Princeton Conference
Financing Changes and Added Flexibility fr Medicaid Matt Sal, Executive Directr May 24, 2017 24 th Princetn Cnference Natinal Assciatin f Medicaid Directrs Created in 2011 t supprt the 56 state and territrial
More informationWhat Can You Expect? The following will be effective Jan. 1, Please refer to the enclosed summary charts for more details.
Merck 1 Merck Drive Whitehuse Statin, NJ 08889 merck.cm February 2012 2013 Retiree Health Care Changes Dear Retiree, Since the merger f Merck and Schering-Plugh, we've been wrking t integrate every aspect
More informationCommunity Mental Health Association of Michigan Systemic underfunding of Michigan s public mental health system 1
Cmmunity Mental Health Assciatin f Michigan Systemic underfunding f Michigan s public mental health system 1 December 2018 Executive Summary Michigan s public mental health system is ne f the mst cmprehensive
More informationMedicare Advantage Outreach and Education Bulletin
Medicare Advantage Outreach and Educatin Bulletin Empire Blue Crss Blue Shield 2013 Medicare Advantage Plan Updates Dear Healthcare Prvider, Annual benefits changes fr Medicare Advantage plan members will
More informationEXTENDED BENEFITS FOR TOTAL DISABILITY & SUCCEEDING CARRIER FOR INPATIENT ADMISSIONS
UnitedHealthcare Oxfrd Administrative Plicy EXTENDED BENEFITS FOR TOTAL DISABILITY & SUCCEEDING CARRIER FOR INPATIENT ADMISSIONS Plicy Number: ADMINISTRATIVE 149.11 T2 Effective Date: December 1, 2017
More informationOPEN ENROLLMENT GUIDE. October 18 TH - November 3 rd 2017
OPEN ENROLLMENT GUIDE Octber 18 TH - Nvember 3 rd 2017 LIVING WELL WITH THE WAVE BENEFITS OPEN ENROLLMENT OCTOBER 18 TH N O V E M B E R 3 RD, 2017 WHAT S INSIDE Yur benefits checklist... 3 TU benefits
More informationHealth Care Reform Timeline
Health Care Refrm Timeline On March 23, 2010, President Obama signed int law the health care refrm bill, the Patient Prtectin and Affrdable Care Act. This legislatin, alng with the Health Care and Educatin
More informationSouth Carolina Department of Health and Human Services
Suth Carlina Department f Health and Human Services Healthcare Financial Management Assciatin Presentatin Nvember 13, 2012 All eligibility, revenue, and expenditure estimates are preliminary prjectins
More informationQUESTION WE VE BEEN ASKED
Date f issue: 23 February 2018 QUESTION WE VE BEEN ASKED QB 18/05 Incme Tax insurance persnal sickness and accident insurance taken ut by emplyer fr the benefit f an emplyee This Questin We ve Been Asked
More informationMedigap Household Discounts
Medigap Husehld Discunts 7/5/2016 Please nte: Nt all states are listed where discunts are available. Please refer t the Applicatin r Prducer Guide fr the specific carrier and state. Yu may cntact the Carrier
More informationEnding Your Membership in the Plan
Ending Yur Membership in the Plan Yu must be eligible fr a valid disenrllment perid. Yur cverage will end the first day f the mnth after we receive yur request t disenrll. When can yu end yur membership
More informationHRA s and HSA s GALLAGHER BENEFIT SERVICES, INC. ARTHUR J. GALLAGHER & CO. AJG.COM G-FORMS\GBS Forms\Template - Word - 1 margins.
HRA s and HSA s 1. HRA/HSA What Are They? 2. Can I have ther cverage and still cntribute? 3. Can I cntribute t my FSA if s, full r limited? 4. Can I have bth an HRA and an 5. Can I have bth an HSA and
More information-r\jotic E. Insurance Marketplace Coverage Options and Your Health Coverage. ..t
-r\jotic E Insurance Marketplace Cverage Optins and Yur Health Cverage..t - 2014 GALLAGHER BENEFIT SERVICES, INC. ARll-IUR J. GAllAGHER & CO. I AJG.COM G-Frms\GBS\Template - Wrd -.5 margis.dcx - Frequently
More informationTo all Members of the Medical Insurance Plan for Retirees:
The Wrld Bank Grup Human Resurces, MSN G2-202 (202) 473-2222 INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Washingtn, D.C. 20433 (202) 522-7026 fax INTERNATIONAL DEVELOPMENT ASSOCIATION U.S.A.
More informationInstitute For Orthopaedic Surgery (IOS) Subject: Billing and Payments: General Guidelines
Institute Fr Orthpaedic Surgery (IOS) Plicy and Prcedure Manual Subject: Billing and Payment: General Statements Purpse: T prvide directin t staff members in their interactin with patients and guarantrs
More informationSFEHACL PART D MEDICARE PLAN (EMPLOYER PDP) BENEFIT GUIDE
SFEHACL PART D MEDICARE PLAN (EMPLOYER PDP) BENEFIT GUIDE Yur 2017 Medicare Prescriptin Drug cverage as a Member f the SFEHACL Part D Medicare Plan A $9 cpayment gets yu a 90-day supply f any Tier 1 Generic
More informationHealth Partners Medicare. Your family. Our focus Summary of Benefits. Value and Prime (HMO) Plans
Yur family Our fcus 2017 Summary f Benefits Health Partners Medicare Value and Prime (HMO) Plans Summary f Benefits Health Partners Medicare (H9207) (plan 009) (plan 010) This is a summary f drug and health
More informationYour Retirement Guide. Employees
Yur Retirement Guide Emplyees Retirement is a big step. Over the next few weeks and mnths yu ll be asked t make many imprtant decisins abut yur New Yrk Life benefits and yur financial security. This easy-t-use
More informationKeller Independent School District s Benefit Plan Year is from January 1, 2019 to December 31, 2019
KELLER INDEPENDENT SCHOOL DISTRICT 2019 Benefits Guide The cmmunity f Keller ISD will educate ur students t achieve their highest standards f perfrmance by engaging them in exceptinal pprtunities. Keller
More informationAn Educational Guide for Individuals. Radius Choice SM. MassMutual s Premier Individual Disability Income Insurance Protection. Insurance Strategies
An Educatinal Guide fr Individuals Radius Chice SM MassMutual s Premier Individual Disability Incme Insurance Prtectin Insurance Strategies HELP MAKE YOUR FINANCIAL FUTURE MORE SECURE Radius Chice is disability
More informationJanuary 2017 *Benefits Highlights for Medical Center Employees
January 2017 *Benefits Highlights fr Medical Center Emplyees Health Insurance Plans A Tricare Supplement plan is ffered t Tricare eligible emplyees: all ther emplyees have t the ptin t enrll in the MUSC
More informationEffective Practices for Managing Student-Athlete Insurance
The NCAA requires that all member institutins certify that student-athletes have cverage fr medical expenses within the deductible f the NCAA catastrphic plicy, currently at $90,000 ($75,000 fr institutins
More informationEvidence of Coverage:
A nnprfit independent licensee f the Blue Crss Blue Shield Assciatin January 1 - December 31, 2018 Evidence f Cverage: Yur Medicare Health Benefits and Services and Prescriptin Drug Cverage as a Member
More informationDEPARTMENT: Patient & Financial POLICY DESCRIPTION: 501 (c)(3) Charity Care & Financial Assistance Policy & Procedures PAGE: 1 of 7
PAGE: 1 f 7 PURPOSE: This plicy is intended t cmply with the financial assistance and emergency care plicies required by Internal Revenue Sectin 501(r) and shall be interpreted t s cmply. This plicy applies
More informationWhich individual health insurance plan is best for you? A Guide to assist consumers with shopping for individual health insurance
Which individual health insurance plan is best fr yu? A Guide t assist cnsumers with shpping fr individual health insurance Shpping fr 2019 Health insurance can be cnfusing, and smetimes it s hard fr cnsumers
More informationM E D I C A R E. Overview of Medicare Part D Organizations, Plans and Benefits By Enrollment in 2006 and November 2007
M E D I C A R E C H A R T P A C K Overview f Medicare Part D Organizatins, Plans and Benefits By Enrllment in 26 and 27 Nvember 27 As the Medicare Part D prescriptin drug benefit appraches its third year,
More information2018 Healthy Boiler Wellness Incentive Program FAQs
2018 Healthy Biler Wellness Incentive Prgram FAQs As healthcare csts cntinue t rise acrss the cuntry, the university s best way t cmbat this is by helping t imprve the verall wellness f ur ppulatin. Therefre,
More informationCost Estimate for Bill C-364: An Act to amend the Canada Elections Act and to make a consequential amendment to another Act (political financing)
Cst Estimate fr Bill C-364: An Act t amend the Canada Electins Act and t make a cnsequential amendment t anther Act (plitical financing) Ottawa, Canada 30 January 2018 www.pb-dpb.gc.ca The Parliamentary
More informationSummary Plan Descriptions
Summary Plan Descriptins All grup health plans subject t the Emplyee Retirement Incme Security Act (ERISA) are required t prvide participants with a Summary Plan Descriptin (SPD). An SPD must be written
More informationUniversity of Oregon Sponsored Projects Services T32 & IGERT Group Training Grant Charge Guidance. Guidance Purpose and Overview
University f Oregn Spnsred Prjects Services T32 & IGERT Grup Training Grant Charge Guidance Guidance Purpse and Overview The University f Oregn (UO) has been awarded multiple spnsred prjects with the intent
More informationDEPARTMENT: Patient & Financial POLICY DESCRIPTION: 501 (c)(3) Charity Care & Financial Assistance Policy & Procedures PAGE: 1 of 8
PAGE: 1 f 8 PURPOSE: This plicy is intended t cmply with the financial assistance and emergency care plicies required by Internal Revenue Sectin 501(r) and shall be interpreted t s cmply. This plicy applies
More informationBill 92 extra billing provisions Information for Practitioners
Bill 92 extra billing prvisins Infrmatin fr Practitiners Q1. What is extra billing? Extra billing invlves charging a MSP beneficiary r their representative fr a benefit cvered by MSP, r fr any matter related
More informationClient Advisory. Pension Changes Proposed: Federal Funding and Investment Rules. Proposed Funding Rules. Summary
Client Advisry Pensin Changes Prpsed: Federal Funding and Investment Rules May 7, 2010 Summary On May 3, 2010, the Federal Minister f Finance (Finance) released Regulatins Amending Certain Regulatins Made
More informationThe UK Register of Trusts 21 December 2017
The UK Register f Trusts 21 December 2017 If yu are a trustee f a UK resident trust r f a nn-resident trust which has UK assets r UK surce incme yu may need t take actin befre 5 January 2018. Backgrund
More informationNAVIPLAN PREMIUM LEARNING GUIDE. Set insurance goals
NAVIPLAN PREMIUM LEARNING GUIDE Set insurance gals Cntents Set insurance gals 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Describe the assumptins and analysis methds available fr determining
More informationDisability Replace Part of Your Pay for Disabilities that Continue After Your Short Term Disability Benefits End
Disability 1 PLAN HIGHLIGHTS Prvide Cverage at N Cst As part f the USEC Inc. Leave Plicy, Full-time Emplyees are prvided up t 10 days f sick leave per calendar year. Part-time Emplyees are prvided prated
More informationCONNECTICUT CARPENTERS HEALTH FUND COBRA CONTINUATION COVERAGE ELECTION NOTICE
CONNECTICUT CARPENTERS HEALTH FUND COBRA CONTINUATION COVERAGE ELECTION NOTICE DATE Dear : This ntice cntains imprtant infrmatin abut yur right t cntinue yur health care cverage in the Cnnecticut Carpenters
More informationGuide to Young Adult Dependent Coverage
Guide t Yung Adult Dependent Cverage The New Yrk State Legislature passed a law in 2009 which extends the availability f health insurance cverage t yung adults thrugh the age f 29. As a result, Freelancers
More informationThe UK Register of Trusts 23 October 2017
The UK Register f Trusts 23 Octber 2017 If yu are a trustee f a UK resident trust r f a nn-resident trust which has UK assets r UK surce incme yu may need t take actin befre 5 December 2017. Backgrund
More informationEVALUATION AND MANAGEMENT (E/M)
Mdifiers Billing Guide Effective fr claims with dates f service n and after January 1, 2008, Medicare cntractrs shall have discretin t establish lcal cverage plicies fr thse indicatins nt included in NCD
More informationSocial Security Administration
Scial Security Administratin 1329 S. Divisin St. Traverse City MI 49684 July 26, 2018 Mnthly Infrmatin Package August 2018 Clumns & Features WORKING WHILE DISABLED SOCIAL SECURITY CAN HELP... 2 WE KNOW
More informationEOFY tax strategies for small businesses
As we apprach the end f the financial year (EOFY), there are a number f smart strategies yu culd cnsider t help yu streamline yur finances and legitimately save n yur tax bill. Insurance premiums Sme insurance
More informationTRACKING MEDICARE HEALTH AND PRESCRIPTION DRUG PLANS Monthly Report for July 2006
TRACKING MEDICARE HEALTH AND PRESCRIPTION DRUG PLANS Mnthly Reprt fr July 2006 Prepared by Stephanie Petersn and Marsha Gld, Mathematica Plicy Research Inc. as part f wrk cmmissined by the Kaiser Family
More informationEPPA Update Issued September 2012 / Updated October, 2012 Defined Benefit Funding Relief Provisions
EPPA Update 12-01 Issued September 2012 / Updated Octber, 2012 Defined Benefit Funding Relief Prvisins - 2012 In respnse t the decline f slvency discunt rates, the Emplyment Pensin Plans (Partial Exemptin
More informationHealthy Indiana Plan 2.0: Introduction, Plan options, Cost sharing, and Benefits
Healthy Indiana Plan 2.0: Intrductin, Plan ptins, Cst sharing, and Benefits Objectives After reviewing this presentatin, yu will understand the fllwing aspects f HIP 2.0: Prgram features, including the
More informationSWCAA TITLE III BUDGET and APPLICATION GLOSSARY
SWCAA TITLE III BUDGET and APPLICATION GLOSSARY See Plicy and Prcedure Manual Title III Grants fr additinal definitins and Title III requirements. Applicatin Budget The applicatin budget must include the
More informationPREPARING TO TERMINATE DROP
PREPARING TO TERMINATE DROP If yu wrk until yur riginal Deferred Retirement Optin Prgram (DROP) terminatin date, the Divisin f Retirement will mail yu yur DROP Terminatin Packet apprximately 90 days prir
More informationCOMMUNITY HEALTH NETWORK, INC. & AFFILIATED ENTITIES Continuing Disclosure Information As of and for the Six Months Ended June 30, 2015 and 2014
COMMUNITY HEALTH NETWORK, INC. & AFFILIATED ENTITIES Cntinuing Disclsure Infrmatin As f and fr the Six Mnths Ended June 30, 2015 and 2014 A-1 Cmmunity Health Netwrk, Inc., an Indiana nn-prfit crpratin
More informationPuerto Rico Treasury Department Finally Grants Relief to Participants Affected by Hurricane Maria
Nvember 16, 2017 If yu have questins, please cntact yur regular Grm attrney r ne f the attrneys listed belw: Juan Luis Alns jalns@grm.cm (202) 861-6632 Elizabeth T. Dld edld@grm.cm (202) 861-5406 David
More informationBUSINESS FIRMS Why Do Business Firms Exist?
BUSINESS FIRMS Why D Business Firms Exist? Ecnmics Chapter 7: Business Operatins A business firm is an rganizatin that uses resurces t prduce gds and services that are sld t cnsumers, ther firms, r the
More informationHealth Benefits Effective January 1, Subject to change.
Health Benefits Effective January 1, 2019. Subject t change. Purpse: T utline the guidelines related t medical, prescriptin, dental and visin benefits. Scpe: All team members f Hackensack Meridian Health.
More informationVOLUNTARY EMPLOYEE BENEFITS ENROLLMENT GUIDE
Plan Year 2018 Effective January 1, 2018 t December 31, 2018 VOLUNTARY EMPLOYEE BENEFITS ENROLLMENT GUIDE Internatinal Assciatin f Firefighters WHEN TO ENROLL When yu are initially eligible fr cverage.
More informationQuestions to OSEP regarding and
Questins t OSEP regarding 303.520 and 303.521 The tpic f Family Cst Participatin (the use f public insurance, private insurance and family fees) has been the subject f discussin and debate ver the years
More informationPLAN DOCUMENT TEMPORARY DISABILITY INSURANCE PROGRAM FOR LAY EMPLOYEES DIOCESE OF METUCHEN OFFICE OF HUMAN RESOURCES. Effective January 1, 2014
DIOCESE OF METUCHEN OFFICE OF HUMAN RESOURCES TEMPORARY DISABILITY INSURANCE PROGRAM FOR LAY EMPLOYEES PLAN DOCUMENT Effective January 1, 2014 (Replaces January 1, 2013 Plan Dcument) 1 CONTENTS OVERVIEW...
More informationSmall Business Employees Significantly Trail Their Large Company Counterparts in Retirement Savings and Preparedness
Transamerica Retirement Services 1150 Suth Olive Street Ls Angeles, CA 90015-2211 Cntacts: Michael Altfest/Vivian Dan Edelman (415) 222-9944 michael.altfest@edelman.cm vivian.dan@edelman.cm Small Business
More informationSTATE OF NEW YORK MUNICIPAL BOND BANK AGENCY
STATE OF NEW YORK MUNICIPAL BOND BANK AGENCY Recvery Act Bnd Prgram Written Prcedures fr Tax Cmpliance and Internal Mnitring, adpted September 12, 2013 PROGRAM OVERVIEW The State f New Yrk Municipal Bnd
More informationVOLUNTARY EMPLOYEE BENEFITS ENROLLMENT GUIDE
Plan Year 2018 Effective January 1, 2018 t December 31, 2018 VOLUNTARY EMPLOYEE BENEFITS ENROLLMENT GUIDE Plumbers Lcal 367 WHEN TO ENROLL When yu are initially eligible fr cverage. Yu have 30 days frm
More informationIRS Notice CLICK HERE to return to the home page
CLICK HERE t return t the hme page IRS Ntice 2012-9 I. PURPOSE This ntice restates and amends the interim guidance n infrmatinal reprting t emplyees f the cst f their emplyer-spnsred grup health plan cverage
More information2018 OPEN ENROLLMENT. Presented by Marcie Gentry For Nebo School District
2018 OPEN ENROLLMENT Presented by Marcie Gentry Fr Neb Schl District IMPORTANT UPDATES New Benefits The medical plans will be mving t SelectHealth effective 9/1/18 Opticare will n lnger be ffered but will
More informationNEWPORT-MESA UNIFIED SCHOOL DISTRICT
NEWPORT-MESA UNIFIED SCHOOL DISTRICT BELIEVE IN YOURSELF. WE DO. Cigna FAQ Belw please find details and frequently asked questins regarding the Cigna Netwrk (HMO), St. Jseph Hag Health (SJHH) Select Netwrk
More informationWV INCOME MAINTENANCE MANUAL. Specific Medicaid Requirements
INTRODUCTION The West Virginia Medicaid Prgram prvides payment fr cvered medical services t certified medical prviders fr eligible individuals wh are aged, blind r disabled and t eligible members f families
More informationHIPAA Privacy Rule LINKS AND RESOURCES AFFECTED ENTITIES IMPACT ON EMPLOYERS. Provided by Brown & Brown of Louisiana, LLC
Prvided by Brwn & Brwn f Luisiana, LLC HIPAA Privacy Rule The HIPAA Privacy Rule establishes natinal standards t prtect individuals medical recrds and ther persnal health infrmatin. The Privacy Rule applies
More informationCompliance Guidebook Revised September 21, 2010
Cmpliance Guidebk Revised September 21, 2010 Health Care Refrm Laws f 2010 Patient Prtectin and Affrdable Care Act and Health Care and Educatin Recnciliatin Act f 2010 Table f Cntents Overview Cmpliance
More informationChristine Bradshaw, Esq. Sandra González, Esq.
Understanding the Sunshine Act: Dispersing the Cluds f Cnfusin Christine Bradshaw, Esq. Sandra Gnzález, Esq. On March 23, 2010, President Obama signed int law the Patient Prtectin and Affrdable Care Act.
More informationRolling out Universal Credit
This statement is nt fr publicatin r bradcast befre 00:01 n FRIDAY 15 June 2018 HC 1123 2017-19 Reprts by the Cmptrller and Auditr General Rlling ut Universal Credit Universal Credit has taken significantly
More informationSuperannuation contributions tax ruling Tax deductibility of superannuation contributions
July 2011 Technical Bulletin Superannuatin cntributins tax ruling Tax deductibility f superannuatin cntributins Wh is impacted? As a result f tax ruling 2010/1 yur clients can n lnger claim a tax deductin
More informationMICRO GROUP EMPLOYER DOCUMENTATION REQUIREMENTS
Seattle, Washingtn 98101 MICRO GROUP EMPLOYER DOCUMENTATION REQUIREMENTS D nt cancel any existing plicies until yu receive cnfirmatin f final rates and/r acceptance f the grup by Regence BlueShield (Regence).
More informationSummary Plan Descriptions (SPD)
Descriptins (SPD) SPDs What Are They and Wh Needs Them? What is an SPD? The DOL defines the SPD as the Primary vehicle fr infrming participants and beneficiaries abut their plan and hw it perates. Must
More informationYour Medicare Prescription Drug Coverage as a Member of HealthSelect Medicare Rx provided through Employees Retirement System of Texas (ERS)
P.O Bx 52424, Phenix, AZ 85072-2424 January 1, 2015 December 31, 2015 Evidence f Cverage: Yur Medicare Prescriptin Drug Cverage as a Member f HealthSelect Medicare Rx prvided thrugh Emplyees Retirement
More informationRev. 7/1/11. Sprint Flex Plans Eligibility and Enrollment Section
Rev. 7/1/11 Sprint Flex Plans Eligibility and Enrllment Sectin TABLE OF CONTENTS SPRINT FLEX PLANS 3 WHO IS ELIGIBLE TO PARTICIPATE IN SPRINT FLEX PLANS 3 DUPLICATE COVERAGE.. 7 ENROLLMENT.. 7 ENROLLMENT
More informationPG&E's Paid Family Leave & Disability Benefits
PG&E's Paid Family Leave & Disability Benefits Utility IBEW and SEIU--represented emplyees 2017 and 2018 Paid Family Leave and Medical /Disability Benefits Overview PG&E s Paid Family Leave wage cntinuatin
More informationFSB Press Release 20 August 2015
Retirement funds must take all reasnable steps t trace and pay millins f their members and beneficiaries wh remain untraced, the Deputy Registrar f Pensin Funds, Rsemary Hunter said n Wednesday. Addressing
More informationA Step-by-Step Guide to Staying in Compliance Updated November 2016
A Step-by-Step Guide t Staying in Cmpliance Updated Nvember 2016 As f September 1, 1994, every persn in J-1 r J-2 status is required t maintain a gvernment-mandated minimum level f health insurance fr
More informationEVIDENCE OF COVERAGE HEALTHTEAM ADVANTAGE PLAN II (PPO)
EVIDENCE OF COVERAGE HEALTHTEAM ADVANTAGE PLAN II (PPO) 2018 HealthTeam Advantage, a prduct f Care N Care Insurance Cmpany f Nrth Carlina, Inc., is a Medicare Advantage rganizatin with a Medicare cntract.
More informationALERT. The SEC s Final Crowdfunding Rules: Still May Not Be a Crowd Pleaser. Author: Issuer and Investor Eligibility.
ALERT Nvember 4, 2015 The SEC s Final Crwdfunding Rules: Still May Nt Be a Crwd Pleaser Authr: Dnna L. Brks (860) 251-5917 dbrks@gdwin.cm On Octber 30, 2015, the Securities and Exchange Cmmissin (the SEC
More informationMedicare Advantage Outreach and Education Bulletin
Medicare Advantage Outreach and Educatin Bulletin Anthem Blue Crss and Blue Shield Changing 2013 Medicare Advantage Plan Update Dear Healthcare Prvider, Annual benefits changes fr Medicare Advantage plan
More information