United Cancer s Benefit In 2010, United Cancer s direct benefit to Elkhart County was an estimated $207,550!
|
|
- Dwight Charles
- 8 years ago
- Views:
Transcription
1 United Cancer s Benefit In 2010, United Cancer s direct benefit to Elkhart County was an estimated $207,550! United Cancer calculates our Total Benefit to the Community based on the results of our Journey Through Treatment program, which helps the cancer patient 1) form a comprehensive plan for their time in treatment, 2) catches insurance coverage gaps, 3) offers referrals, 4) provides emotional support and 5) direct financial support. The graph above shows United Cancer s Total Community Impact for 2010, which is estimated to be $207, The largest portion of United Cancer's benefit (33%) was in Direct Financial Aid going to 1) people in cancer treatment ($58, 241), and 2) women needing help paying for mammograms ($10,275) totaling $68, This Total Financial Aid figure represents an increase of $9,919 or 17% over In 2009, United Cancer registered 153 cancer patients and helped approximately 82 underserved women pay for mammograms at Goshen Health System, totaling 235 people. Dollars directed toward direct staff time with cancer patients were $56,850, which accounted for 27% of our total benefit and represents a decrease of $2,396 from United Cancer was able to leverage staff dollars by hiring a part-time caseworker in So even though staff dollars are lower, staff hours dedicated toward cancer patients actually increased in The Journey Through Treatment program is designed to provide emotional support and help cancer patients form a plan for their time in treatment. The plan focuses on seven areas including: 1) understanding the patient's diagnosis and treatment, 2) family issues related to cancer treatment, 3) information about the healthcare industry, 4) researches specifics about the patient s insurance coverage, 5) budgeting and estimating treatment costs, 6) income replacement while in treatment, and 7) helping patients emotionally, such as providing tools that help patients regain some of the control over their lives that they feel they have lost. One key result of the Journey Through Treatment planning process refers clients to a myriad of governmental and other nonprofit programs for which they may qualify. Referrals that make the
2 largest financial impact would be to governmental insurances such as Medicare or Medicaid. This kind of coverage could represent tens of thousands to hundreds of thousands of dollars in benefit for the client. However, healthcare organizations have most likely already connected patients with primary governmental insurance before they come to United Cancer. The group of people United Cancer is most likely to refer to government insurance is senior citizens with Medicare who do not realize that they may also qualify for Medicaid. This secondary referral to Medicaid may cover a portion or all of the 20% that Medicare leaves to seniors. In the context of cancer treatment, this referral could represent tens of thousands of dollars in benefit for the client. United Cancer estimates that these benefits totaled approximately $43,280 and account for 21% of the agency s total benefit in Another key result of the planning process addresses the issue of insurance coverage. On average United Cancer helps 150 to 170 cancer patients per year, and occasionally finds people who are seeking cancer treatment out of their insurance network, or not optimizing the best coverage in a tiered insurance system. Depending on the kind of treatment and the number of times the patient received treatment, moving from out-of-network or lower tiered coverage to innetwork or higher tiered coverage could benefit the patient by thousands or tens of thousands of dollars. United Cancer estimates that we saved cancer patients approximately $38,904 in unnecessary out-of-pocket costs in 2010 and accounts for an additional 19 % of our total benefit. The final portion from the graph above, $10,275, goes to a fund at Goshen Health System to help underserved women pay for mammograms. This represents half of the proceeds from United Cancer's signature breast cancer awareness month event, the Middlebury Breast Cancer Walk. The chart above breaks down the Direct Financial Aid portion of UC s programming for 2010, totaling $68, was an unusual year for United Cancer's direct financial aid program, because the category of General Patient Aid constituted the largest portion of our direct payments. Due to the economic turmoil and the passage of the Federal Government's Stimulus Package, Elkhart County's FEMA program received significant additional funding in Traditionally,
3 United Cancer receives a small grant from the Elkhart County FEMA Emergency Food Fund each year to purchase nutritional supplements for cancer patients. Because United Cancer has been online with FEMA grants for many years, our agency was eligible for the additional funding. United Cancer received $23,100 in additional funding which could be used for rent and mortgage aid. As a result United Cancer s General Aid category, which usually covers mortgage, rent, utilities and other such normal costs of life, was our largest financial aid category at $25,588. Providing aid to cancer patients in this category is important, because traditionally the most common reason that patients seek help from United Cancer is loss of income due to their inability to work during treatment. The next largest portion of United Cancer s financial aid was mentioned above, and is our fund helping underserved women receive mammograms at Goshen Health System. With the improved economy and hard work of our committee, the Middlebury Breast Cancer Walk had a dramatic increase in revenue and in-kind gifts, beating last year by some $10,000. The result is that United Cancer effectively doubled the financial aid in this category over 2009, providing $10,275 in aid. The categories of Treatment Costs & Medication traditionally constitute our largest financial aid. In 2010, United Cancer provided $14,817 or 22% of our direct financial aid toward Treatment Costs and $8,892 toward Medication Costs or 13%. Supplies ($5,119 or 7%) are generally nutritional supplements and post surgical needs, and Transportation ($3,825 or 6%) generally provides help with the costs of out-of-town travel. Our experience clearly shows that a cancer patient s greatest need comes in the first year of their treatment. The first year creates this great need because cancer patients face high initial test & treatment expenses combined with the loss and/or reduction of their income. Expense issues include a battery of initial tests; expensive treatments (surgery, chemo & radiation), and high out-of-pocket insurance deductibles. Most patients are not able to work during treatment and many employers no longer offer disability income benefits. Those employees that do have disability income often face delays of weeks or months before income begins, plus the cancer patient must continue to pay their portion of health insurance costs. United Cancer does not limit the types of cancer required for help from our agency, as many other cancer organizations do. As the graph below shows, into 2010 United Cancer helped people with 25 different kinds of cancer. Interestingly, year after year breast cancer has been the most common diagnosis and consistently represents over 20% of the number of people asking for help. Lung cancer has consistently been the second most common diagnosis leading people to ask for help. But as you can see from the graph below, this year those two diagnoses have changed position. Skin cancer, which is the most common cancer, is rarely represented in United Cancer clients, because it tends to be very treatable at low cost. Prostate cancer was usually underrepresented in our diagnosis; however we have connected with a group of urologists and are now receiving more prostate cancer patients.
4 2010 has seen changes in United Cancer's revenue, the financial aid distribution, diagnoses, and the changes continue with insurance disposition. The common perception that United Cancer is funding low income people afflicted with cancer has traditionally not been the case. However, the graph above shows a significant change in the situation of clients seeking United Cancer's help marks the first year that more clients came to United Cancer with Medicaid than with private insurance. We can only assume that this change is based on the rapid economic changes from The Great Recession. In 2009, 44% of United Cancer's clients had private insurance, compared to 34% in Patients registering with Medicaid represented 40% of United Cancer's clients, compared with 2009 s figure of 29%. As the number of clients served 2009 and 2010 are almost identical, this represents a significant change in the economic situation of the client at registration.
5 Cancer patients of all types and ages ask United Cancer for help saw a return to our standard age trend of the largest group being between the ages of 50 and 69, representing 55% of United Cancer's clients. However, cancer knows no age boundaries. UC has helped babies as young as two weeks old and seniors in their nineties. In 2010, our youngest client was one year old and our oldest was 89 years old. United Cancer clients are eligible for funding if they live, work, or have worked in Elkhart County, and a doctor verifies that they are in cancer treatment. Clients living outside Elkhart County made up 10% of our clients. The geographic range of client cities increased from 11 in 2009 to 18 in 2010, a 63% increase. The chart above is typical United Cancer's geographic service area and shows a good cross section of Elkhart County hometowns for United Cancer s goal is to help cancer patients reduce the financial and emotional stress during treatment, so they can concentrate on healing. UC works to keep in regular contact with our clients and, according to their reports, we were very successful in our goal. We achieved our goal through the combination of helping our clients devise a plan for their time in treatment, educating them about key issues related to the medical and insurance industries, connecting them
6 to the network of government and non-profit resources available, and, of course, distributing $68,515 in financial aid. Clients report that our information and referrals are extremely helpful. Not to be minimized in the United Cancer experience is the emotional support and caring that our staff provides to our clients. United Cancer works to stay in touch with our clients as they progress through treatment and move into remission. Clients often report that the information they gain from the Journey Through Treatment program is just as valuable as the Direct Financial Aid that we provide. Maintaining Financial Viability The question of economic viability is obviously an important one going into Fortunately for United Cancer, economic viability has not been an issue even considering the economic downturn saw only a 2.8% reduction in overall revenue, and that was due completely to outside organizations reducing their support, because fundraising initiated and organized by United Cancer actually increased in For 2010, we are so thankful to report a dramatic increase in revenue over In fact, thanks to the tremendous work of the Elkhart County community, 2010 is the highest grossing revenue year in United Cancer's 52 year history! These comparisons speak volumes to the strength of United Cancer's financial viability, especially when we realize that 2008 was a record revenue year as well. At a time when local businesses and nonprofit agencies in Elkhart County were retrenching and laying off staff, United Cancer s donor base grew and our supporters showed tremendous loyalty and generosity. Going into 2011 United Cancer still faces challenges in fundraising, as does any nonprofit in Elkhart County. However, United Cancer s Executive Director and Board believes that 2011 will still be a strong year and that the agency will provide resources for Elkhart County area cancer patients at a level equal to or greater than In June of 2010, the Executive Director and Board of United Cancer decided that it was time to change from a strategy of survival in a severe economic downturn, to planning for growth and becoming the most recognized and best supported nonprofit agency in Elkhart County. To that end, United Cancer has been awarded a grant from the United Way of Elkhart County to expand our comprehensive planning process for cancer patients from a format of one-on-one with patients seeking financial aid, to a classroom setting which we will offer to every person diagnosed with cancer in Elkhart County. This is an aggressive increase in our program and will surely lead to an increase in the number of people seeking financial aid. So support from the community will be vital for United Cancer believes that with the expanded exposure of the classroom program, UC will receive double the number of people seeking financial aid. Our Board and Executive Director recognize that the Elkhart County community s steadfast support over the last several years has been a vital part of our success, and we greatly appreciate the faith that you have shown in our agency and our mission. This year more than ever, your support is vitally needed and tremendously appreciated.
7 As an independent, grass roots organization, United Cancer s success is based on the support of the people of the Elkhart County area. If you are a supporter, I hope that you will continue to help. If you have not given in the past, I hope that you will consider a gift now. Each year, the number of cancer patients coming to ask for help continues to rise, and our ability to help relies on you. Thank you for your interest and support! Peter T. Norton Executive Director
How To Buy Health Insurance. An Introduction To Healthcare Coverage
How To Buy Health Insurance An Introduction To Healthcare Coverage Table of Contents What Is Health Insurance? How Do I Get Health Insurance? When Can I Get Health Insurance? What Terms Should I Know?
More informationHospitals and Health Systems:
Hospitals and Health Systems: An Inside Look at Employee Health Plan Strategies To Control Costs and Provide Access to Healthcare August 2010 Highlights Because of their dual role as benefit plan sponsor
More informationConsumer Guide to. Health Insurance. Oregon Insurance Division
Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.
More informationQuestion and Answers on Participant Liability and Co-payments
Question and Answers on Participant Liability and Co-payments 1. If a participant has private insurance as primary, and has Medicaid as secondary: a. Is the participant responsible for the private insurance
More informationLUNG CANCER CLINICAL TRIALS
UNDERSTANDING LUNG CANCER CLINICAL TRIALS 1-800-298-2436 LungCancerAlliance.org A GUIDE FOR THE PATIENT 1 TABLE OF CONTENTS INTRODUCTION TO CLINICAL TRIALS What Is a Clinical Trial?...4 Types of Clinical
More informationA Consumer Guide to Understanding Health Plan Networks
A Consumer Guide to Understanding Health Plan Networks Table of Contents steps you can take to understand your health plan s provider network pg 4 What a provider network is pg 8 Many people are now shopping
More informationHow Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015
How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,
More informationTeachers Retirement Insurance Program
Comparison of Illinois State Retiree Health Insurance Options with Traditional Medicare and Medicare Supplement (Medigap) Insurance Teachers Retirement Insurance Program Insuraprise, Inc. (C) Copyright
More informationSummary of Benefits January 1, 2016 December 31, 2016. FirstMedicare Direct PPO Plus (PPO)
Summary of Benefits January 1, 2016 December 31, 2016 FIRSTCAROLINACARE INSURANCE COMPANY FirstMedicare Direct PPO Plus (PPO) Chatham, Hoke, Lee, Montgomery, Moore, Richmond, Scotland Counties This booklet
More informationFIRSTCAROLINACARE INSURANCE COMPANY 2015 Summary of Benefits. FirstMedicare Direct PPO Plus (PPO)
FIRSTCAROLINACARE INSURANCE COMPANY 2015 Summary of Benefits FirstMedicare Direct PPO Plus (PPO) Chatham, Hoke, Lee, Montgomery, Moore, Richmond, Scotland Counties 1 P age SECTION I - INTRODUCTION TO SUMMARY
More informationGROUP MEDICARE. supplement plans
2016 GROUP MEDICARE supplement plans Create a Healthier Organization Your employees are your organization s most valuable asset. As they retire, you want to show your commitment to them and manage health
More information::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::
WAYS TO SAVE 6OUT-OF-POCKET COSTS AND HELP PAY FOR YOUR SURGERY When considering surgery of any kind, cost is often a critical factor in determining whether to have the procedure. But, it does not have
More informationMAP TO MEDICARE. H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014
2015 MAP TO MEDICARE H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014 MAP TO MEDICARE What is Medicare?...1 Part A: Hospital coverage...2 Part B: Medical coverage....3
More informationFinancial and Insurance Issues
1-Insurance Issues Financial and Insurance Issues Health insurance Programs that help patients pay for medical care. Private companies provide insurance. So, does the government. It s an unfortunate fact:
More informationMARCH 2014 www.calhospital.org
Critical Roles: California s Allied Health Workforce Follow-Up Report MARCH 2014 www.calhospital.org Background In February 2011, the California Hospital Association (CHA) Workforce Committee released
More informationHealth Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance wahealthplanfinder.org 1-855-WAFINDER 1-855-923-4633 HL-14-001 Rev. 08/2015 THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH
More informationFOLLOW STEPS 1 6 TO COMPLETE the Sandy B. Muller Breast Cancer Foundation Application
Application Directions and Checklist Please Read Carefully Please be sure to provide all the information requested here. An incomplete application will delay our ability to provide you with assistance.
More informationMedicare At A Glance. State Health Insurance Assistance Program (SHIP)
2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP) Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs
More information1. Overview of the Breast and Cervical Cancer Early Detection Program
BREAST OR CERVICAL CANCER Legal Authority: 1902(a)(10)(A)(ii)(XVIII) of the Social Security Act 1. Overview of the Breast and Cervical Cancer Early Detection Program The Center for Disease Control and
More informationPrograms. Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured. Medical Assistance for Families (SB 6)
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
More informationEssentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare
Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 24 (HMO-POS). Next year, there will
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More informationEssentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare
Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 25 (HMO-POS). Next year, there will
More informationCircle of Life: Cancer Education and Wellness for American Indian and Alaska Native Communities. Group Discussion True False Not Sure
Hospice Care Group Discussion True False Not Sure 1. There is no difference between palliative care and hospice care. Palliative care is different from hospice care. Both palliative and hospice care share
More informationIntroducing OneExchange.
RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for
More informationUnderstanding Health Insurance
Understanding Health Insurance Health insurance can play an important role when it comes to medical bills and prescription medications it can help protect you from high expenses. There are many types of
More informationCancerAid 2015. Sponsor Packet
CancerAid 2015 Sponsor Packet Overview About Us Why Support Us? Our Goal Event Highlights Program Details Sponsor Levels & Details Sponsorship opportunities VIP Tables In-Kind Opportunities Volunteer Opportunities
More informationHealth Plans Coverage Summary
www.hr.msu.edu/openenrollment Faculty & Staff Health Plans Coverage Summary PREVENTIVE SERVICES Health Maintenance Exam (1) Annual Gynecological Exam Pap Smear Screening (lab services only) Mammography
More informationpreparing for Medicare retirement for Medicare retirees
preparing for Medicare retirement for Medicare retirees 2008 introduction eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for Medicare
More informationThe Health Care Law: How It Can Help People With Cancer and Their Families
The Health Care Law: How It Can Help 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
More informationMedicare Solutions. Compare Medicare Supplement plans Learn how to enroll AZ1099. This is a solicitation for insurance 115555-15
Medicare Solutions 115555-15 Compare Medicare Supplement plans Learn how to enroll D12354 06/15 17791 0415 AZ1099 This is a solicitation for insurance Contact Customer Service or your licensed sales representative
More informationA Shopper s Guide to CANCER INSURANCE
A Shopper s Guide About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members consist of the chief insurance regulators
More informationEL CAMINO HOSPITAL ADMINISTRATIVE POLICIES AND PROCEDURES
EL CAMINO HOSPITAL ADMINISTRATIVE POLICIES AND PROCEDURES 35.00 CHARITY CARE POLICY A. Coverage This policy applies to patients who have healthcare needs and are uninsured, ineligible for a government
More informationMedicare Supplemental Insurance - Medigap Plans
Medicare Supplemental Insurance (Medigap) All Medigap s A through N The available supplemental insurance plans that are offered are lettered plans A-N. Each plan offers a different benefits package and
More informationMEDIA KIT. Senior Resource Center. Mission Programs History Leadership Event Photos
Senior Resource Center MEDIA KIT Items enclosed: Mission Programs History Leadership Event Photos FAQs Updated January 2012 1075 S. Brannon Stand Road, Dothan AL 36305 334.793.6843 800.239.3507 www.sarcoa.org
More informationThank you... 1 www.bcbsga.com WPADVBR005M(11)-GA 20550WPSENMUB_004_G 9/11
Thank you... for your interest in our Medicare Supplement plans. We designed them to help you stay healthy and keep your medical costs down. It s why they are so popular. You get an added layer of security,
More informationMaking Choices. About Hospice. 1.800.233.1708 www.hospice.org
Making Choices About Hospice 1.800.233.1708 www.hospice.org Belleville Location 618-235-1703 Marion Location 618-997-3030 Edwardsville Location Hospice Home 618-659-7900 Hospice of Southern Illinois is
More informationHospice Care. To Make a No Obligation No Cost Referral Contact our Admissions office at: Phone: 541-512-5049 Fax: 888-611-8233
To Make a No Obligation No Cost Referral Contact our Admissions office at: Compliments of: Phone: 541-512-5049 Fax: 888-611-8233 Office Locations 29984 Ellensburg Ave. Gold Beach, OR 97444 541-247-7084
More informationA guide for the patient
Understanding series LUNG CANCER CLINICAL TRIALS 1-800-298-2436 LungCancerAlliance.org A guide for the patient TABLE OF CONTENTS The Basics What is a Clinical Trial?...3 Types of Clinical Trials... 3 Phases
More informationSecuring Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES
Securing Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES PEOPLE ARE LIVING LONGER in retirement than ever. Maintaining good health will help make those years vibrant. So
More informationA Plan For Better Health
A Plan For Better Health Welcome to Crystal Run Health Plans PPO Plans Your health and that of your family is most important. Your health plan should be designed for all your needs giving you access to
More informationAsk Us About Clinical Trials
Ask Us About Clinical Trials Clinical Trials and You. Our specialists and researchers are at the forefront of their fields and are leading the way in developing new therapies and procedures for diagnosing
More informationYour Guide to Medicare Supplement Insurance
INSURANCE FACTS for Pennsylvania Consumers Your Guide to Medicare Supplement Insurance 1-877-881-6388 Toll-free Automated Consumer Line 1 www.insurance.state.pa.us Pennsylvania Insurance Department Website
More informationOklahoma Higher Education Employee Insurance Group Educational Meeting Welcome!
Oklahoma Higher Education Employee Insurance Group Educational Meeting Welcome! The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional
More informationCommunity Health Needs Assessment Implementation Plan FY 14-16
Community Health Needs Assessment Implementation Plan FY 14-16 South Miami Hospital conducted a community health needs assessment in 2013 to better understand the healthcare needs of the community it serves
More informationSOMETHING OLD, SOMETHING NEW: TEXAS TWO HIGH-RISK POOLS
July 19, 2010 Contact: Stacey Pogue, pogue@cppp.org SOMETHING OLD, SOMETHING NEW: TEXAS TWO HIGH-RISK POOLS Thanks to national health reform, Texas now has two separate high-risk pools that offer health
More informationwelcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015
welcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015 The purpose of this guide is to help you take a closer look at the five health plan options available to you and show you what s changing,
More information2015 Summary of Benefits
2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3952 Y0041_H3952_KS_15_18734 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how
More information2016 Summary of Benefits
2016 Summary of Benefits Health Net Violet Option 3 (PPO) Douglas and Josephine counties, OR Benefits effective January 1, 2016 H5520 Health Net Life Insurance Company H5520_2016_0202 CMS Accepted 09162015
More informationSummary of Benefits Community Advantage (HMO)
Summary of Benefits Community Advantage (HMO) January 1, 2015 - December 31, 2015 This booklet gives you a summary of what we cover and what you pay. It doesn't list every service that we cover or list
More informationScheduler processes appointment request based on patient s insurance coverage.
Medicare, Blue Cross Blue Shield, In-Network Commercial Insurance (Continued on page 2) Physician/Physician s Office calls to schedule a patient s appointment. Medicaid (Continued on page 3) Scheduler
More informationColorado Cancer Coalition Priorities: 2016 2018
Option 3 of 10: Screening & Early Detection: Screening Rates Presenter: Toni Panetta, MA, Director of Mission Programs, Susan G. Komen Colorado Goal 5: Objective 5.1: Objective 5.2 Focus Area: Focus Area:
More informationFACT SHEET. Critical Illness Insurance. What is Critical Illness Insurance? How Much Critical Illness Insurance Do I Need?
Critical Illness Insurance What is Critical Illness Insurance? Critical Illness insurance was developed by a heart surgeon, Dr. Marius Barnard, in 1983 when he realized that the recovery of many of his
More informationGUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family
GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors
More informationIf you decide to retire or have been laid off from your job before you turn 65 and you are not yet eligible for Medicare, what do you do?
CONTENTS Health Insurance Considerations for Empty Nesters Medicare Considerations Long-Term Care Insurance Considerations Health Insurance Considerations for All Life Situations Disability Insurance Considerations
More informationMedicare and the Cost of Cancer Treatment
1.800.847.9680 Medicare and the Cost of Cancer Treatment This article is for both the person facing cancer today, wanting to know what to expect from their Medicare insurance as well as for the person
More informationWELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE.
WELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE. Quality Health Plans for Individuals and Families in Tennessee. TABLE OF CONTENTS INTRODUCTION...1 Who are we?... 1 What is a CO-OP?...1 Our
More informationResidency Status Not Required Residency status is not a consideration for eligibility in WFH s Community Care Program.
POLICY & PROCEDURE Subject: Patient Financial Assistance/Community Care Program Classification: Policy Owner: Illinois Regional CFO Approved Sr. VP, CFO Approved By: Regional CEO Effective: January 1,
More informationInsights AdvocateCare Health Insurance Exchanges
Insights AdvocateCare Physician Edition April 16, 2013 Executive Summary (HIX, also called Health Insurance Marketplace) a key provision of The Patient Protection and Affordable Care Act (ACA, Affordable
More informationNEW YORK STATE EXTERNAL APPEAL
NEW YORK STATE EXTERNAL APPEAL You have the right to appeal to the Department of Financial Services (DFS) when your insurer or HMO denies health care services as not medically necessary, experimental/investigational
More informationPatient Finance Services Policy
Patient Finance Services Policy CONEMAUGH HEALTH SYSTEM FINANCIAL ASSISTANCE POLICY I. PURPOSE Conemaugh Health System is a community of persons committed to being a transforming, healing presence in the
More information2016 Guide to Understanding Your Benefits
2016 Guide to Understanding Your Benefits Additional information about covered benefits available from Health Net Healthy Heart (HMO) Plan Alameda, Stanislaus counties, CA Lisa Pasillas-Le, Health Net
More informationNYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits
NYU HOSPITALS CENTER Retirement Plan Your Health & Welfare Plan Benefits 1 What s Inside Welcome to the NYU Hospitals Center Retiree Health & Welfare Program Retiree Health & Welfare Benefits At-A-Glance...
More informationYour guide to finding the best health insurance plan.
LIFE HAS OPPORTUNITIES Your guide to finding the best health insurance plan. Start saving today with the help of Excellus BlueCross BlueShield. National strength. Local focus. Individual care. SM Contents
More information2015 Summary of Benefits
2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3909 Y0041_H3909_PC_15_18889 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how
More informationHealth Savings Account (HSA) Frequently Asked Questions
1. What is an HSA? A Health Savings Account (HSA) is a personal bank account created exclusively for individuals to pay for eligible health expenses and save for future healthcare expenses tax-free. Tax-deductible
More informationHealthcare is a major expense for many people, and its. Out-of-Pocket Healthcare: Turning Everyday Expenses into Tax Savings
CHAPTER SEVEN Out-of-Pocket Healthcare: Turning Everyday Expenses into Tax Savings By Diane K. Gardner, EA, CTC Healthcare is a major expense for many people, and its costs continue to rise even among
More informationUnderstanding Insurance and Our Billing Process
Understanding Insurance and Our Billing Process Thank you for choosing Cleveland Clinic for your healthcare needs. We appreciate the confidence you have placed in us. The purpose of this brochure is to
More informationBroward Health s Breast Cancer Navigation Program Meeting the needs of underserved patients
Broward Health s Breast Cancer Navigation Program Meeting the needs of underserved patients by Pia Delvaille, ARNP, MSN Broward Health, a nonprofit community health system, is one of the ten largest public
More informationFACULTY (IFO) CANDIDATE BENEFITS SUMMARY
Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.
More informationA CONSUMER'S GUIDE TO CANCER INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE IMPORTANT INFORMATION WHAT IS? Cancer insurance provides benefits only if you are diagnosed with cancer, as defined
More informationKraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan
General Provisions Deductible (eligible medical and prescription drug expenses apply to the deductible) Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary Care can be obtained in-network
More informationCopayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.
Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your
More information2019 Healthcare That Works for All
2019 Healthcare That Works for All This paper is one of a series describing what a decade of successful change in healthcare could look like in 2019. Each paper focuses on one aspect of healthcare. To
More informationMedicare. Orientation Guide
Medicare Orientation Guide Your Medicare Orientation Guide At MCS Classicare (HMO), we take care of you so you feel better every day. That s why we want to get you familiar and provide you with the tools
More informationPARTNERS IN THE PROMISE
SUSAN G. KOMEN SAN DIEGO PARTNERS IN THE PROMISE 2014 SPONSORSHIP OPPORTUNITIES PARTNERS IN THE PROMISE ARE COMPANIES AND ORGANIZATIONS PROVIDING KOMEN SAN DIEGO WITH UNRESTRICTED RESOURCES TO SUPPORT
More informationUnderstanding Insurance and Our Billing Process
Understanding Insurance and Our Billing Process Thank you for choosing Cleveland Clinic for your healthcare needs. We appreciate the confidence you have placed in us. This brochure has been prepared to
More informationMedicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15
Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may
More informationA Shoppers Guide to Cancer Insurance
A Shoppers Guide to Cancer Insurance Should You Buy Cancer Insurance? Cancer Insurance is not a Substitute for Comprehensive Coverage Caution: Limitations on Cancer Insurance Many policies promise to
More informationPLANNING 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 informationAPPLICATION CHECK LIST
APPLICATION CHECK LIST Full application includes: o Patient Information Form o Household & Family Financial Profiles o Employment/Salary Verification. This form must be signed by the employer o Methodist
More informationThe Financial Obligations of Liver Transplantation
The Financial Obligations of Liver Transplantation Planning for Financial Obligations There is a definite need to have a plan going into transplant. That need applies to the financial side of transplant,
More informationIowa Insurance Division Consumer Assistance Program
Iowa Insurance Division Consumer Assistance Program Overview of Training Grandfathered Plans: the starting point for ACA issues The ACA s Immediate Impact: 2010 ACA Changes The ACA s Current Impact: 2011
More informationMEDICARE MYSTERY. Taking the OUT OF. Your how-to guide for finding the right plan for your needs
Taking the MYSTERY OUT OF MEDICARE Your how-to guide for finding the right plan for your needs S6506_071015_B01a CMS Accepted 08/15/2015 H0302_565_2016 CMS Accepted 08/15/2015 An independent licensee of
More informationPatient Care Financial Assistance
Friends Healing Friends FALLON MEDICAL PO Box 820 202 South 4 th Street West Baker, MT 59313-0820 (406) 778-3331 FAX (406) 778-2488 I. Policy Statement: Patient Care Financial Assistance It is the policy
More informationJanuary 1, 2015 December 31, 2015 Summary of Benefits. Advantra (HMO) H3928-001 80.06.360.1-LA1
January, 205 December 3, 205 Summary of Benefits H3928-00 80.06.360.-LA Y0022_205_H3928_00_LA Accepted 9/204 Summary of Benefits January, 205 December 3, 205 This booklet gives you a summary of what we
More information2015 Summary of Benefits
2015 Summary of Benefits Health Net Healthy Heart (HMO) Placer and Sacramento counties, CA Benefits effective January 1, 2015 H0562 Health Net of California, Inc. Material ID # H0562_2015_0273 CMS Accepted
More informationFall 2010. best practice report laurens county health care system and good shepherd free medical clinic of laurens county: practitioner sharing
best practice report laurens county health care system and good shepherd free medical clinic of laurens county: practitioner sharing 1 From a tiny church in Clinton, SC, Good Shepherd Free Medical Clinic
More informationBest Practices: Ongoing Challenges. Dr. Mary Lashley Towson University October 2011
Best Practices: Ongoing Challenges Dr. Mary Lashley Towson University October 2011 Impaired nutrition and physical development Pain Absenteeism (work, school) Diabetes, CVD, Stroke Pre-term birth Self
More information2015 Summary of Benefits
2015 Summary of Benefits Health Net Ruby Select (HMO) Placer and Sacramento counties, CA Benefits effective January 1, 2015 H0562 Health Net of California, Inc. Material ID # H0562_2015_0285_B_CMS Accepted
More informationPARTNERS IN THE PROMISE
SUSAN G. KOMEN SAN DIEGO PARTNERS IN THE PROMISE 2015 SPONSORSHIP OPPORTUNITIES PARTNERS IN THE PROMISE are companies and organizations providing Komen San Diego with unrestricted resources to support
More informationChoose the Medicare Advantage Plan That s Right for You
Choose the Medicare Advantage Plan That s Right for You Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Other pharmacies/physicians/providers are available
More informationChoosing a Medicare Advantage plan you ll be confident in.
Choosing a Medicare Advantage plan you ll be confident in. Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Continued enrollment depends on the contract between
More informationGLOSSARY OF MEDICAL AND INSURANCE TERMS
GLOSSARY OF MEDICAL AND INSURANCE TERMS At Westfield Family Physicians we are aware that there are lots of words and phrases we used every day that may not be familiar to you, our patients. We are providing
More informationFinancial Advisors and Alzheimer s Disease: What You Need to Know
Financial Advisors and Alzheimer s Disease: What You Need to Know In today s aging society, with people living longer lives, chances are good that you ll be called upon to assist clients who have Alzheimer
More informationIndependent Health s Medicare Passport Advantage (PPO)
Independent Health s Medicare Passport Advantage (PPO) (a Medicare Advantage Preferred Provider Organization Option (PPO) offered by INDEPENDENT HEALTH BENEFITS CORPORATION with a Medicare contract) Summary
More informationMedicare. Medicare Overview. Medicare Part D Prescription Plans. Medicare
58 requires enrollment as soon as a retiree, spouse or dependent of a retiree is eligible for. Parts A & B MUST be elected. Overview There are three parts to : Hospital Insurance (also called Part A. Your
More informationof BenefitS Cigna-HealthSpring Preferred (Hmo) H4513-024 - 2 2014 Cigna H4513_15_19942 Accepted
agesummary of BenefitS Cover erage Cigna-HealthSpring Preferred (Hmo) H4513-024 - 2 2014 Cigna H4513_15_19942 Accepted SeCtion i - introduction to Summary of BenefitS you have choices about how to get
More informationSummary of Benefits. King, Pierce, Snohomish, Spokane and Thurston Counties. premera.com/ma
Summary of Benefits 2016 HMO King, Pierce, Snohomish, Spokane and Thurston Counties premera.com/ma Plus Section 1 Introduction to the and Plus This booklet gives you a summary of what we cover and what
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More information