Medi-Pak Advantage MA-PD Option 1 (PFFS) is a Medicare Advantage organization with a Medicare contract.

Size: px
Start display at page:

Download "Medi-Pak Advantage MA-PD Option 1 (PFFS) is a Medicare Advantage organization with a Medicare contract."

Transcription

1 January 1 December 31, 2011 Evidence f Cverage: Yur Medicare Health Benefits and Services and Prescriptin Drug Cverage as a Member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) This bklet gives yu the details abut yur Medicare health and prescriptin drug cverage frm January 1 December 31, It explains hw t get the health care and prescriptin drugs yu need. This is an imprtant legal dcument. Please keep it in a safe place. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Member Services: Fr help r infrmatin, please call Member Services r g t ur plan website at r call , Mnday Friday, 8 am t 8 pm. (Calls t these numbers are free.) TTY users call: This plan is ffered by Arkansas Blue Crss and Blue Shield, referred thrughut the Evidence f Cverage as we, us, r ur. Medi-Pak Advantage MA-PD Optin 1 (PFFS) is referred t as plan r ur plan. Medi-Pak Advantage MA-PD Optin 1 (PFFS) is a Medicare Advantage rganizatin with a Medicare cntract. This infrmatin is available in a different frmat, including audi CD. Please call Member Services at the number listed abve if yu need plan infrmatin in anther frmat r language. Benefits, frmulary, pharmacy netwrk, premium and/r cpayments/c-insurance may change n January 1, H4213_REV1_EOC_MAPD1_A2 File & Use 09/21/2010

2 Table f Cntents Table f Cntents This list f chapters and page numbers is just yur starting pint. Fr mre help in finding infrmatin yu need, g t the first page f a chapter. Yu will find a detailed list f tpics at the beginning f each chapter. Chapter 1. Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 1 Tells what it means t be in a Medicare health plan and hw t use this bklet. Tells abut materials we will send yu, yur plan premium, yur plan membership card, and keeping yur membership recrd up t date. Chapter 2. Imprtant phne numbers and resurces 10 Tells yu hw t get in tuch with ur plan (Medi-Pak Advantage MA-PD Optin 1 (PFFS)) and with ther rganizatins including Medicare, the State Health Insurance Assistance Prgram, the Quality Imprvement Organizatin, Scial Security, Medicaid (the state health insurance prgram fr peple with lw incmes), prgrams that help peple pay fr their prescriptin drugs, and the Railrad Retirement Bard. Chapter 3. Using the plan s cverage fr yur medical services 21 Explains imprtant things yu need t knw abut getting yur medical care as a member f ur plan. Tpics include using the prviders in the plan s netwrk and hw t get care when yu have an emergency. Chapter 4. Medical Benefits Chart (what is cvered and what yu pay) 29 Gives the details abut which types f medical care are cvered and nt cvered fr yu as a member f ur plan. Tells hw much yu will pay as yur share f the cst fr yur cvered medical care. Chapter 5. Using the plan s cverage fr yur Part D prescriptin drugs 48 Explains rules yu need t fllw when yu get yur Part D drugs. Tells hw t use the plan s List f Cvered Drugs (Frmulary) t find ut which drugs are cvered. Tells which kinds f drugs are nt cvered. Explains several kinds f restrictins that apply t yur cverage fr certain drugs. Explains where t get yur prescriptins filled. Tells abut the plan s prgrams fr drug safety and managing medicatins.

3 Table f Cntents Chapter 6. What yu pay fr yur Part D prescriptin drugs 64 Tells abut the fur stages f drug cverage (Deductible Stage, Initial Cverage Stage, Cverage Gap Stage, Catastrphic Cverage Stage) and hw these stages affect what yu pay fr yur drugs. Explains the 4 cst-sharing tiers fr yur Part D drugs and tells what yu must pay fr (cpayments r cinsurance) as yur share f the cst fr a drug in each cst-sharing tier. Tells abut the late enrllment penalty. Chapter 7. Asking the plan t pay its share f a bill yu have received fr cvered services r drugs 78 Tells when and hw t send a bill t us when yu want t ask us t pay yu back fr ur share f the cst fr yur cvered services. Chapter 8. Yur rights and respnsibilities 84 Explains the rights and respnsibilities yu have as a member f ur plan. Tells what yu can d if yu think yur rights are nt being respected. Chapter 9. What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints) 92 Tells yu step-by-step what t d if yu are having prblems r cncerns as a member f ur plan. Explains hw t ask fr cverage decisins and make appeals if yu are having truble getting the medical care r prescriptin drugs yu think are cvered by ur plan. This includes asking us t make exceptins t the rules r extra restrictins n yur cverage fr prescriptin drugs, and asking us t keep cvering hspital care and certain types f medical services if yu think yur cverage is ending t sn. Explains hw t make cmplaints abut quality f care, waiting times, custmer service, and ther cncerns. Chapter 10. Ending yur membership in the plan 137 Tells when and hw yu can end yur membership in the plan. Explains situatins in which ur plan is required t end yur membership. Chapter 11. Legal ntices 144 Includes ntices abut gverning law and abut nndiscriminatin. Chapter 12. Definitins f imprtant wrds 146 Explains key terms used in this bklet.

4 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 1 Chapter 1. Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) SECTION 1 Intrductin 2 Sectin 1.1 What is the Evidence f Cverage bklet abut? 2 Sectin 1.2 What des this Chapter tell yu? 2 Sectin 1.3 What if yu are new t Medi-Pak Advantage MA-PD Optin 1 (PFFS)? 2 Sectin 1.4 Legal infrmatin abut the Evidence f Cverage 2 SECTION 2 What makes yu eligible t be a plan member? 3 Sectin 2.1 Yur eligibility requirements 3 Sectin 2.2 What are Medicare Part A and Medicare Part B? 3 Sectin 2.3 Here is the plan service area fr Medi-Pak Advantage MA-PD Optin 1 (PFFS) 3 SECTION 3 What ther materials will yu get frm us? 4 Sectin 3.1 Yur plan membership card Use it t get all cvered care and drugs 4 Sectin 3.2 The Prvider Directry: yur guide t all prviders in the plan s netwrk 4 Sectin 3.3 The Pharmacy Directry: yur guide t pharmacies in ur netwrk 5 Sectin 3.4 The plan s List f Cvered Drugs (Frmulary) 5 Sectin 3.5 Reprts with a summary f payments made fr yur prescriptin drugs 6 SECTION 4 Yur mnthly premium fr Medi-Pak Advantage MA-PD Optin 1 (PFFS) 6 Sectin 4.1 Hw much is yur plan premium? 6 Sectin 4.2 There are several ways yu can pay yur plan premium 7 Sectin 4.3 Can we change yur mnthly plan premium during the year? 8 SECTION 5 Please keep yur plan membership recrd up t date 9 Sectin 5.1 Hw t help make sure that we have accurate infrmatin abut yu 9

5 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 2 SECTION 1 Intrductin Sectin 1.1 What is the Evidence f Cverage bklet abut? This Evidence f Cverage bklet tells yu hw t get yur Medicare medical care and prescriptin drugs thrugh ur plan, a Medicare Advantage Plan. This bklet explains yur rights and respnsibilities, what is cvered, and what yu pay as a member f the plan. Yu are cvered by Medicare, and yu have chsen t get yur Medicare health care and yur prescriptin drug cverage thrugh ur plan, Medi-Pak Advantage MA-PD Optin 1 (PFFS). There are different types f Medicare Advantage Plans. Medi-Pak Advantage MA-PD Optin 1 (PFFS) is a Medicare Advantage Plan PFFS plan (PFFS stands fr Private Fee-fr-Service). This plan is ffered by Arkansas Blue Crss and Blue Shield, referred thrughut the Evidence f Cverage as we, us, r ur. Medi-Pak Advantage MA-PD Optin 1 (PFFS) is referred t as plan r ur plan. The wrd cverage and cvered services refers t the medical care and services and the prescriptin drugs available t yu as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS). Sectin 1.2 What des this Chapter tell yu? Lk thrugh Chapter 1 f this Evidence f Cverage t learn: What makes yu eligible t be a plan member? What is yur plans service area? What materials will yu get frm us? What is yur plan premium and hw can yu pay it? Hw d yu keep the infrmatin in yur membership recrd up t date? Sectin 1.3 What if yu are new t Medi-Pak Advantage MA-PD Optin 1 (PFFS)? If yu are a new member, then it s imprtant fr yu t learn hw the plan perates what the rules are and what services are available t yu. We encurage yu t set aside sme time t lk thrugh this Evidence f Cverage bklet. If yu are cnfused r cncerned r just have a questin, please cntact ur plan s Member Services (cntact infrmatin is n the cver f this bklet). Sectin 1.4 Legal infrmatin abut the Evidence f Cverage It s part f ur cntract with yu This Evidence f Cverage is part f ur cntract with yu abut hw Medi-Pak Advantage MA-PD Optin 1 (PFFS) cvers yur care. Other parts f this cntract include yur enrllment frm, the List f Cvered Drugs (Frmulary), and any ntices yu receive frm us abut changes t yur cverage r cnditins that affect yur cverage. These ntices are smetimes called riders r amendments.

6 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 3 The cntract is in effect fr mnths in which yu are enrlled in Medi-Pak Advantage MA-PD Optin 1 (PFFS) between January 1, 2011 t December 31, Medicare must apprve ur plan each year Medicare (the Centers fr Medicare & Medicaid Services) must apprve Medi-Pak Advantage MA-PD Optin 1 (PFFS) each year. Yu can cntinue t get Medicare cverage as a member f ur plan nly as lng as we chse t cntinue t ffer the plan fr the year in questin and the Centers fr Medicare & Medicaid Services renews its apprval f the plan. SECTION 2 What makes yu eligible t be a plan member? Sectin 2.1 Yur eligibility requirements Yu are eligible fr membership in ur plan as lng as: Yu live in ur gegraphic service area (sectin 2.3 belw describes ur service area) -- and -- yu are entitled t Medicare Part A -- and -- yu are enrlled in Medicare Part B. -- and -- yu d nt have End Stage Renal Disease (ESRD), with limited exceptins, such as if yu develp ESRD when yu are already a member f a plan that we ffer, r yu were a member f a different plan that was terminated. Sectin 2.2 What are Medicare Part A and Medicare Part B? When yu riginally signed up fr Medicare, yu received infrmatin abut hw t get Medicare Part A and Medicare Part B. Remember: Medicare Part A generally cvers services furnished by institutinal prviders such as hspitals, skilled nursing facilities r hme health agencies. Medicare Part B is fr mst ther medical services, such as physician s services and ther utpatient services. Sectin 2.3 Here is the plan service area fr Medi-Pak Advantage MA-PD Optin 1 (PFFS) Althugh Medicare is a Federal prgram, Medi-Pak Advantage MA-PD Optin 1 (PFFS) is available nly t individuals wh live in ur plan service area. T stay a member f ur plan, yu must keep living in this service area. The service area is described belw. Our service area includes these cunties in Arkansas: Ashley, Bradley, Cleveland, Craighead, Crittenden, Dallas, Faulkner, Grant, Hward, Izard, Jeffersn, Lnke, Miller, Mnre, Mntgmery, Nevada, Pike, Pinsett, Plk, Pulaski, Sevier, Sharp, Unin, Wdruff, Yell Our service area includes these parts f cunties in Arkansas: Sme Central, Suthern and Eastern AR cunties. If yu plan t mve ut f the service area, please cntact Member Services.

7 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 4 SECTION 3 What ther materials will yu get frm us? Sectin 3.1 Yur plan membership card Use it t get all cvered care and drugs While yu are a member f ur plan, yu must use yur membership card fr ur plan whenever yu get any services cvered by this plan and fr prescriptin drugs yu get at netwrk pharmacies. Here s a sample membership card t shw yu what yurs will lk like: As lng as yu are a member f ur plan yu must nt use yur red, white, and blue Medicare card t get cvered medical services (with the exceptin f rutine clinical research and hspice services). Keep yur red, white, and blue Medicare card in a safe place in case yu need it later. Here s why this is s imprtant: If yu get cvered services using yur red, white, and blue Medicare card instead f using yur Medi-Pak Advantage MA-PD Optin 1 (PFFS) membership card while yu are a plan member, yu may have t pay the full cst yurself. If yur plan membership card is damaged, lst, r stlen, call Member Services right away and we will send yu a new card. Sectin 3.2 The Prvider Directry: yur guide t all prviders in the plan s netwrk Every year that yu are a member f ur plan, we will send yu either a new Prvider Directry r an update t yur Prvider Directry. This directry lists ur netwrk prviders. What are netwrk prviders? Netwrk prviders are the dctrs and ther health care prfessinals, medical grups, hspitals, and ther health care facilities we have signed cntracts with t deliver certain cvered services t members in ur plan. These prviders have already agreed t see members f ur plan. See Chapter 3, Sectin 1.2 fr infrmatin abut the rules fr getting yur cvered services under ur plan. We have netwrk prviders fr all services cvered under Original Medicare. Yu can still receive cvered services frm ut-f-netwrk prviders (thse wh d nt have a signed cntract with ur plan), as lng as thse prviders agree t accept ur plan s terms and cnditins f payment, as described in Chapter 3, Sectin 1.2.

8 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 5 Why d yu need t knw which prviders are part f ur netwrk? There are several reasns why it is imprtant fr yu t knw whether ur plan uses a netwrk and if s, which prviders are part f the netwrk: A netwrk prvider must furnish yu care while an ut-f-netwrk prvider has the right t refuse t treat yu; A netwrk prvider frequently charges less cst-sharing than an ut-f-netwrk prvider. The amunt f cst sharing yu pay a prvider wh is nt ne f ur netwrk prviders may be mre than the cst sharing yu pay a netwrk prvider. In the plan s Medical Benefits Chart in Chapter 4 f this bklet, we indicate the services fr which the cst-sharing amunt differs between netwrk prviders and utf-netwrk prviders. If ur plan chses t have a netwrk, we must prvide a sufficient number and range f prviders t meet yur needs. These requirements are ver and abve the access standards used by Original Medicare. If yu dn t have yur cpy f the Prvider Directry, yu can request a cpy frm Member Services. Yu may ask Member Services fr mre infrmatin abut ur netwrk prviders, including their qualificatins. Yu can als see the Prvider Directry at r dwnlad it frm this website. Bth Member Services and the website can give yu the mst up-t-date infrmatin abut changes in ur netwrk prviders. Sectin 3.3 The Pharmacy Directry: yur guide t pharmacies in ur netwrk What are netwrk pharmacies? Our Pharmacy Directry gives yu a cmplete list f ur netwrk pharmacies that means all f the pharmacies that have agreed t fill cvered prescriptins fr ur plan members. Why d yu need t knw abut netwrk pharmacies? Yu can use the Pharmacy Directry t find the netwrk pharmacy yu want t use. This is imprtant because, with few exceptins, yu must get yur prescriptins filled at ne f ur netwrk pharmacies if yu want ur plan t cver (help yu pay fr) them. We will send yu a cmplete Pharmacy Directry at least nce every three years. Every year that yu dn t get a new Pharmacy Directry, we ll send yu an update that shws changes t the directry. If yu dn t have the Pharmacy Directry, yu can get a cpy frm Member Services (phne numbers are n the frnt cver). At any time, yu can call Member Services t get up-t-date infrmatin abut changes in the pharmacy netwrk. Yu can als find this infrmatin n ur website at Sectin 3.4 The plan s List f Cvered Drugs (Frmulary) The plan has a List f Cvered Drugs (Frmulary). We call it the Drug List fr shrt. It tells which Part D prescriptin drugs are cvered by Medi-Pak Advantage MA-PD Optin 1 (PFFS). The drugs n this list are

9 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 6 selected by the plan with the help f a team f dctrs and pharmacists. The list must meet requirements set by Medicare. Medicare has apprved the Medi-Pak Advantage MA-PD Optin 1 (PFFS) Drug List. We will send yu a cpy f the Drug List. T get the mst cmplete and current infrmatin abut which drugs are cvered, yu can visit the plan s website (www.arkansasbluecrss.cm/medicareplans) r call Member Services (phne numbers are n the frnt cver f this bklet). Sectin 3.5 Reprts with a summary f payments made fr yur prescriptin drugs When yu use yur prescriptin drug benefits, we will send yu a reprt t help yu understand and keep track f payments fr yur prescriptin drugs. This summary reprt is called the Explanatin f Benefits. The Explanatin f Benefits tells yu the ttal amunt yu have spent n yur prescriptin drugs and the ttal amunt we have paid fr each f yur prescriptin drugs during the mnth. Chapter 6 (What yu pay fr yur Part D prescriptin drugs) gives mre infrmatin abut the Explanatin f Benefits and hw it can help yu keep track f yur drug cverage. An Explanatin f Benefits summary is als available upn request. T get a cpy, please cntact Member Services. SECTION 4 Yur mnthly premium fr Medi-Pak Advantage MA-PD Optin 1 (PFFS) Sectin 4.1 Hw much is yur plan premium? As a member f ur plan, yu pay a mnthly plan premium. Fr 2011, the mnthly premium fr Medi-Pak Advantage MA-PD Optin 1 (PFFS) is $ In additin, yu must cntinue t pay yur Medicare Part B premium. In sme situatins, yur plan premium culd be less The Extra Help prgram helps peple with limited resurces pay fr their drugs. Chapter 2, Sectin 7 tells mre abut this prgram. If yu qualify, enrlling in the prgram might make lwer yur mnthly plan premium. If yu are already enrlled and getting help frm ne f these prgrams, sme f the payment infrmatin in this Evidence f Cverage may nt apply t yu. We have included a separate insert, called the Evidence f Cverage Rider fr Peple Wh Get Extra Help Paying fr Prescriptin Drugs, (LIS Rider) that tells yu abut yur drug cverage. If yu dn t have this insert, please call Member Services and ask fr the Evidence f Cverage Rider fr Peple Wh Get Extra Help Paying fr Prescriptin Drugs (LIS Rider). Phne numbers fr Member Services are n the frnt cver. In sme situatins, yur plan premium culd be mre In sme situatins, yur plan premium culd be mre than the amunt listed abve in Sectin 4.1. These situatins are described belw.

10 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 7 Mst peple will pay the standard mnthly Part D premium. Hwever, starting January 1, 2011, sme peple will pay a higher premium because f their yearly incme (ver $85,000 fr singles--2010, $170,000 fr married cuples--2010). Fr mre infrmatin abut Part D premiums based n incme, yu can visit n the web r call MEDICARE ( ), 24 hurs a day, 7 days a week. TTY users shuld call Yu may als call the Scial Security Administratin at TTY users shuld call Sme members are required t pay a late enrllment penalty because they did nt jin a Medicare drug plan when they first became eligible r because they had a cntinuus perid f 63 days r mre when they didn t keep their cverage. Fr these members, the late enrllment penalty is added t the plan s mnthly premium. Their premium amunt will be the mnthly plan premium plus the amunt f their late enrllment penalty. If yu are required t pay the late enrllment penalty, the amunt f yur penalty depends n hw lng yu waited befre yu enrlled in drug cverage r hw many mnths yu were withut drug cverage after yu became eligible. Chapter 6, Sectin 10 explains the late enrllment penalty. If yu have a late enrllment penalty, it is part f yur plan premium. If yu d nt pay the part f yur premium that is the late enrllment penalty, yu culd be disenrlled fr failure t pay yur plan premium. Many members are required t pay ther Medicare premiums As explained in Sectin 2 abve, in rder t be eligible fr ur plan, yu must maintain yur eligibility fr Medicare Parts A and B. Fr that reasn, sme plan members will be paying a premium fr Medicare Part A and mst plan members will be paying a premium fr Medicare Part B, in additin t paying the mnthly plan premium. Yu must cntinue paying yur Medicare Part B premium t remain a member f the plan. Yur cpy f Medicare & Yu 2011 tells abut these premiums in the sectin called 2011 Medicare Csts. This explains hw the Part B premium differs fr peple with different incmes. Everyne with Medicare receives a cpy f Medicare & Yu each year in the fall. Thse new t Medicare receive it within a mnth after first signing up. Yu can als dwnlad a cpy f Medicare & Yu 2011 frm the Medicare website (http://www.medicare.gv). Or, yu can rder a printed cpy by phne at MEDICARE ( ), 24 hurs a day, 7 days a week. TTY users call Sectin 4.2 There are several ways yu can pay yur plan premium There are three ways yu can pay yur plan premium. Call Member Services if yu wish t change yur methd f payment. If yu decide t change the way yu pay yur premium, it can take up t three mnths fr yur new payment methd t take effect. While we are prcessing yur request fr a new payment methd, yu are respnsible fr making sure that yur plan premium is paid n time. Optin 1: Yu can pay by check

11 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 8 Checks shuld be made ut t the plan and sent t the plan. Checks shuld nt be made ut t the Centers fr Medicare & Medicaid Services (CMS) r the U.S. Department f Health and Human Services (HHS) and the checks shuld nt be sent t these agencies. Yu may decide t pay yur mnthly plan premium directly t ur Plan. Medi-Pak Advantage MA-PD Optin 1 (PFFS) will send yu an invice mnthly. Yur payment will be due the 1 st f each mnth. Yur check shuld be made ut t Arkansas Blue Crss Blue Shield and sent t Arkansas Blue Crss and Blue Shield, P.O. Bx , St. Luis, MO Optin 2: Yu can have yur premium taken directly frm yur bank accunt Instead f paying by check, yu can have yur mnthly plan premium autmatically withdrawn frm yur bank accunt. The apprximate day f the mnth the deductin will be made is the 3 rd. In rder t have yur premiums deducted frm yur bank accunt, please cntact Member Services t have the apprpriate frm frwarded t yu. Optin 3: Yu can have the plan premium taken ut f yur mnthly Scial Security check Yu can have the plan premium taken ut f yur mnthly Scial Security check. Cntact Member Services fr mre infrmatin n hw t pay yur mnthly plan premium this way. We will be happy t help yu set this up. What t d if yu are having truble paying yur plan premium Yur plan premium is due in ur ffice by the 1 st day f the Mnth. If we have nt received yur premium by the 1 st day f the Mnth, we will send yu a ntice telling yu that yur plan membership will end if we d nt receive yur premium within 2 mnths. If yu are having truble paying yur premium n time, please cntact Member Services t see if we can direct yu t prgrams that will help with yur plan premium. If we end yur membership with the plan because f nn-payment f premiums, and yu dn t currently have prescriptin drug cverage then yu will nt be able t receive Part D cverage until the annual electin perid. At that time, yu may either jin a stand-alne prescriptin drug plan r a health plan that als prvides drug cverage. If we end yur membership due t nn-payment f premiums, yu will have cverage under Original Medicare. At the time we end yur membership, yu may still we us fr premiums yu have nt paid. In the future, if yu want t enrll again in ur plan (r anther plan that we ffer), yu will need t pay these late premiums befre yu can enrll. Sectin 4.3 Can we change yur mnthly plan premium during the year? N. We are nt allwed t change the amunt we charge fr the plan s mnthly plan premium during the year. If the mnthly plan premium changes fr next year we will tell yu in Octber and the change will take effect n January 1. Hwever, in sme cases the part f the premium that yu have t pay can change during the year. This happens if yu becme eligible fr the Extra Help prgram r if yu lse yur eligibility fr the Extra Help prgram during the year. If a member qualifies fr Extra Help with their prescriptin drug csts, the Extra Help prgram will pay part f the member s mnthly plan premium. S a member wh becmes eligible fr Extra Help during the year wuld begin t pay less tward their mnthly premium. And a member wh lses their eligibility

12 Chapter 1: Getting started as a member f Medi-Pak Advantage MA-PD Optin 1 (PFFS) 9 during the year will need t start paying their full mnthly premium. Yu can find ut mre abut Extra Help in Chapter 2, Sectin 7. SECTION 5 Please keep yur plan membership recrd up t date Sectin 5.1 Hw t help make sure that we have accurate infrmatin abut yu Yur membership recrd has infrmatin frm yur enrllment frm, including yur address and telephne number. It shws yur specific plan cverage. The dctrs, hspitals, pharmacists, and ther prviders in the plan s netwrk need t have crrect infrmatin abut yu. These netwrk prviders use yur membership recrd t knw what services and drugs are cvered fr yu. Because f this, it is very imprtant that yu help us keep yur infrmatin up t date. Call Member Services t let us knw abut these changes: Changes t yur name, yur address, r yur phne number Changes in any ther health insurance cverage yu have (such as frm yur emplyer, yur spuse s emplyer, wrkers cmpensatin, r Medicaid) If yu have any liability claims, such as claims frm an autmbile accident If yu have been admitted t a nursing hme If yu are participating in a clinical research study Read ver the infrmatin we send yu abut any ther insurance cverage yu have Medicare requires that we cllect infrmatin frm yu abut any ther medical r drug insurance cverage that yu have. That s because we must crdinate any ther cverage yu have with yur benefits under ur plan. Once each year, we will send yu a letter that lists any ther medical and drug insurance cverage that we knw abut. Please read ver this infrmatin carefully. If it is crrect, yu dn t need t d anything. If the infrmatin is incrrect, r if yu have ther cverage that is nt listed, please call Member Services (phne numbers are n the cver f this bklet).

13 Chapter 2: Imprtant phne numbers and resurces 10 Chapter 2. Imprtant phne numbers and resurces SECTION 1 Medi-Pak Advantage MA-PD Optin 1 (PFFS) cntacts (hw t cntact us, including hw t reach Member Services at the plan) 11 SECTION 2 Medicare (hw t get help and infrmatin directly frm the Federal Medicare prgram) 15 SECTION 3 State Health Insurance Assistance Prgram (free help, infrmatin, and answers t yur questins abut Medicare) 16 SECTION 4 Quality Imprvement Organizatin (paid by Medicare t check n the quality f care fr peple with Medicare) 16 SECTION 5 Scial Security 17 SECTION 6 Medicaid (a jint Federal and state prgram that helps with medical csts fr sme peple with limited incme and resurces) 17 SECTION 7 Infrmatin abut prgrams t help peple pay fr their prescriptin drugs 18 SECTION 8 Hw t cntact the Railrad Retirement Bard 19 SECTION 9 D yu have grup insurance r ther health insurance frm an emplyer? 20

14 Chapter 2: Imprtant phne numbers and resurces 11 SECTION 1 Medi-Pak Advantage MA-PD Optin 1 (PFFS) cntacts (hw t cntact us, including hw t reach Member Services at the plan) Fr assistance with claims, billing, r member card questins, please call r write t Medi-Pak Advantage MA- PD Optin 1 (PFFS) Member Services. We will be happy t help yu. Member Services CALL TTY/TDD WRITE WEBSITE (877) Calls t this number are free. Office hurs are Mnday thrugh Friday, 8 a.m. t 8 p.m. (888) This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. Office hurs are Mnday thrugh Friday, 8 a.m. t 8 p.m. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Arkansas Blue Crss and Blue Shield P O Bx 3835 Scrantn, PA Hw t cntact us when yu are asking fr a cverage decisin abut yur medical care Yu may call us if yu have questins abut ur cverage decisin prcess. Cverage Decisins fr Medical Care CALL TTY WRITE (877) Calls t this number are free. (888) This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Arkansas Blue Crss Blue Shield P. O. Bx 2181 Little Rck, AR 72203

15 Chapter 2: Imprtant phne numbers and resurces 12 Fr mre infrmatin n asking fr cverage decisins abut yur medical care, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Hw t cntact us when yu are making an appeal abut yur medical care Appeals fr Medical Care CALL (877) Calls t this number are free. TTY (888) This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. WRITE Calls t this number are free. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Arkansas Blue Crss Blue Shield P. O. Bx 2181 Little Rck, AR Fr mre infrmatin n making an appeal abut yur medical care, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Hw t cntact us when yu are making a cmplaint abut yur medical care Fr mre infrmatin n making a cmplaint abut yur medical care, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Cmplaints abut Medical Care CALL (877) Calls t this number are free. TTY (888) This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free.

16 Chapter 2: Imprtant phne numbers and resurces 13 Cmplaints abut Medical Care WRITE Medi-Pak Advantage MA-PD Optin 1 (PFFS) Arkansas Blue Crss Blue Shield P. O. Bx 2181 Little Rck, AR Hw t cntact us when yu are asking fr a cverage decisin abut yur Part D prescriptin drugs Cverage Decisins fr Part D Prescriptin Drugs CALL TTY WRITE Calls t this number are free This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Caremark Clinical Department P. O. Bx Phenix, AZ Fr mre infrmatin n asking fr cverage decisins abut yur Part D prescriptin drugs, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Hw t cntact us when yu are making an appeal abut yur Part D prescriptin drugs Appeals fr Part D Prescriptin Drugs ALL TTY Calls t this number are free This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. FAX WRITE Medi-Pak Advantage MA-PD Optin 1 (PFFS) Caremark Clinical Department P. O. Bx Phenix, AZ

17 Chapter 2: Imprtant phne numbers and resurces 14 Fr mre infrmatin n making an appeal abut yur Part D prescriptin drugs, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Hw t cntact us when yu are making a cmplaint abut yur Part D prescriptin drugs Cmplaints abut Part D prescriptin drugs CALL TTY WRITE Calls t this number are free This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Caremark Clinical Department P. O. Bx Phenix, AZ Fr mre infrmatin n making a cmplaint abut yur Part D prescriptin drugs, see Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints). Where t send a request that asks us t pay fr ur share f the cst fr medical care r drug yu have received Fr mre infrmatin n situatins in which yu may need t ask the plan fr reimbursement r t pay a bill yu have received frm a prvider, see Chapter 7 (Asking the plan t pay its share f a bill yu have received fr medical services r drugs). Please nte: If yu send us a payment request and we deny any part f yur request, yu can appeal ur decisin. See Chapter 9 (What t d if yu have a prblem r cmplaint (cverage decisins, appeals, cmplaints) fr mre infrmatin. Payment Requests CALL Calls t this number are free. TTY This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking.

18 Chapter 2: Imprtant phne numbers and resurces 15 Payment Requests WRITE Calls t this number are free. Medi-Pak Advantage MA-PD Optin 1 (PFFS) Arkansas Blue Crss Blue Shield P. O. Bx 2181 Little Rck, AR SECTION 2 Medicare (hw t get help and infrmatin directly frm the Federal Medicare prgram) Medicare is the Federal health insurance prgram fr peple 65 years f age r lder, sme peple under age 65 with disabilities, and peple with End-Stage Renal Disease (permanent kidney failure requiring dialysis r a kidney transplant). The Federal agency in charge f Medicare is the Centers fr Medicare & Medicaid Services (smetimes called CMS ). This agency cntracts with and regulates Medicare Advantage Organizatins including us. Medicare CALL MEDICARE, r Calls t this number are free. 24 hurs a day, 7 days a week. TTY This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. WEBSITE This is the fficial gvernment website fr Medicare. It gives yu up-t-date infrmatin abut Medicare and current Medicare issues. It als has infrmatin abut hspitals, nursing hmes, physicians, hme health agencies, and dialysis facilities. It includes bklets yu can print directly frm yur cmputer. It has tls t help yu cmpare Medicare Advantage Plans and Medicare drug plans in yur area. Yu can als find Medicare cntacts in yur state by selecting Helpful Phne Numbers and Websites. If yu dn t have a cmputer, yur lcal library r senir center may be able t help yu visit this website using its cmputer. Or, yu can call Medicare at the number abve and tell them what infrmatin yu are lking fr. They will find the infrmatin n the website, print it ut, and send it t yu.

19 Chapter 2: Imprtant phne numbers and resurces 16 SECTION 3 State Health Insurance Assistance Prgram (free help, infrmatin, and answers t yur questins abut Medicare) The State Health Insurance Assistance Prgram (SHIP) is a gvernment prgram with trained cunselrs in every state. In Arkansas, the State Health Insurance Assistance Prgram is called Arkansas Senir Health Insurance Infrmatin Prgram. Arkansas Senir Health Insurance Infrmatin Prgram is independent (nt cnnected with any insurance cmpany r health plan). It is a state prgram that gets mney frm the Federal gvernment t give free lcal health insurance cunseling t peple with Medicare. Arkansas Senir Health Insurance Infrmatin Prgram cunselrs can help yu with yur Medicare questins r prblems. They can help yu understand yur Medicare rights, help yu make cmplaints abut yur medical care r treatment, and help yu straighten ut prblems with yur Medicare bills. Arkansas Senir Health Insurance Infrmatin Prgram cunselrs can als help yu understand yur Medicare plan chices and answer questins abut switching plans. Arkansas Senir Health Insurance Infrmatin Prgram CALL WRITE 1200 West Third Street Little Rck, AR SECTION 4 Quality Imprvement Organizatin (paid by Medicare t check n the quality f care fr peple with Medicare) There is a Quality Imprvement Organizatin in each state. In Arkansas, the Quality Imprvement Organizatin is called Arkansas Fundatin fr Medical Care. Arkansas Fundatin fr Medical Care has a grup f dctrs and ther health care prfessinals wh are paid by the Federal gvernment. This rganizatin is paid by Medicare t check n and help imprve the quality f care fr peple with Medicare. Arkansas Fundatin fr Medical Care is an independent rganizatin. It is nt cnnected with ur plan. Yu shuld cntact Arkansas Fundatin fr Medical Care in any f these situatins: Yu have a cmplaint abut the quality f care yu have received. Yu think cverage fr yur hspital stay is ending t sn. Yu think cverage fr yur hme health care, skilled nursing facility care, r Cmprehensive Outpatient Rehabilitatin Facility (CORF) services are ending t sn.

20 Chapter 2: Imprtant phne numbers and resurces 17 Arkansas Fundatin fr Medical Care CALL WRITE SECTION West Capitl Little Rck, AR Scial Security Scial Security is respnsible fr determining eligibility and handling enrllment fr Medicare. U.S. citizens wh are 65 r lder, r wh have a disability r end stage renal disease and meets certain cnditins, are eligible fr Medicare. If yu are already getting Scial Security checks, enrllment int Medicare is autmatic. If yu are nt getting Scial Security checks, yu have t enrll in Medicare and pay the Part B premium. Scial Security handles the enrllment prcess fr Medicare. T apply fr Medicare, yu can call the Scial Security r visit yur lcal Scial Security ffice. Scial Security Administratin CALL TTY Calls t this number are free. Available 7:00 am t 7:00 pm, Mnday thrugh Friday. Yu can use ur autmated telephne services t get recrded infrmatin and cnduct sme business 24 hurs a day This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are free. Available 7:00 am t 7:00 pm, Mnday thrugh Friday. WEBSITE SECTION 6 Medicaid (a jint Federal and state prgram that helps with medical csts fr sme peple with limited incme and resurces) Medicaid is a jint Federal and state gvernment prgram that helps with medical csts fr certain peple with limited incmes and resurces. Sme peple with Medicare are als eligible fr Medicaid. Medicaid has prgrams that can help pay fr yur Medicare premiums and ther csts, if yu qualify. T find ut mre abut Medicaid and its prgrams, cntact Arkansas Department f Health and Human Services.

21 Chapter 2: Imprtant phne numbers and resurces 18 Arkansas Department f Health and Human Services CALL TTY WRITE SECTION This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. P. O. Bx 1437 Slt 1100 Dnaghey Plaza Suth Little Rck, AR Infrmatin abut prgrams t help peple pay fr their prescriptin drugs Medicare s Extra Help Prgram Medicare prvides Extra Help t pay prescriptin drug csts fr peple wh have limited incme and resurces. Resurces include yur savings and stcks, but nt yur hme r car. If yu qualify, yu get help paying fr any Medicare drug plan s mnthly premium, yearly deductible, and prescriptin cpayments. This Extra Help als cunts tward yur ut-f-pcket csts. Peple with limited incme and resurces may qualify fr Extra Help. Sme peple autmatically qualify fr Extra Help and dn t need t apply. Medicare mails a letter t peple wh autmatically qualify fr Extra Help MEDICARE ( ). TTY users shuld call , 24 hurs a day, 7 days a week; The Scial Security Office at , between 7 am t 7 pm, Mnday thrugh Friday. TTY users shuld call ; r Yur State Medicaid Office. (See Sectin 6 f this chapter fr cntact infrmatin) If yu believe yu have qualify fr Extra Help and yu believe that yu are paying an incrrect cst-sharing amunt when yu get yur prescriptin at a pharmacy, ur plan has established a prcess that allws yu t either request assistance in btaining evidence f yur prper cpayment level, r, if yu already have the evidence, t prvide this evidence t us. Please frward t Medi-Pak Advantage MA-PD Optin 1 (PFFS) a cpy f any f the fllwing dcuments: A cpy f the yur Medicaid card which includes yur name and an eligibility date during the discrepant perid; A reprt f cntact including the date a verificatin call was made t the State Medicaid Agency and the name, title and telephne number f the state staff persn wh verified the Medicaid status during the discrepant perid; A cpy f a state dcument that cnfirms active Medicaid status during the discrepant perid; A print ut frm the State electrnic enrllment file shwing Medicaid status during the discrepant perid;

22 Chapter 2: Imprtant phne numbers and resurces 19 A screen print frm the State s Medicaid systems shwing Medicaid status during the discrepant perid; r Other dcumentatin prvided by the State shwing Medicaid status during the discrepant perid. T establish that yu are institutinalized and qualify fr a zer cst-sharing level, please furnish ne r mre f the fllwing frms f prf: A remittance frm the facility shwing Medicaid payment r a full calendar mnth fr yu during the discrepant perid; A cpy f a state dcumentatin that cnfirms Medicaid payment t the facility fr a full calendar mnth n behalf f yu; r A screen print frm the State s Medicaid system shwing that individual s institutinal status based n at least a full calendar mnth stay fr Medicaid payment purpses during the discrepant perid. Please send a cpy f yur dcuments t: Medi-Pak Advantage MA-PD Optin 1 (PFFS), Arkansas Blue Crss and Blue Shield, P.O. Bx 3835, Scrantn, PA If yu cannt prvide prf f ne f the required dcuments listed abve, yu will need t cntact the plan at The plan will ntify CMS n yur behalf t assist in btaining evidence. When we receive the evidence shwing yur cpayment level, we will update ur system s that yu can pay the crrect cpayment when yu get yur next prescriptin at the pharmacy. If yu verpay yur cpayment, we will reimburse yu. Either we will frward a check t yu in the amunt f yur verpayment r we will ffset future cpayments. If the pharmacy hasn t cllected a cpayment frm yu and is carrying yur cpayment as a debt wed by yu, we may make the payment directly t the pharmacy. If a state paid n yur behalf, we may make payment directly t the state. Please cntact Member Services if yu have questins. Medicare Cverage Gap Discunt Prgram Beginning in 2011, the Medicare Cverage Gap Discunt Prgram will prvide manufacturer discunts n brand name drugs t Part D enrllees wh have reached the cverage gap and are nt already receiving Extra Help. A 50% discunt n the negtiated price (excluding the dispensing fee) will be available fr thse brand name drugs frm manufacturers that have agreed t pay the discunt. We will autmatically apply the discunt when yur pharmacy bills yu fr yur prescriptin and yur Explanatin f Benefits will shw any discunt prvided. The amunt discunted by the manufacturer cunts tward yur ut-f-pckets csts as if yu had paid this amunt and mves yu thrugh the cverage gap. If yu have any questins abut the availability f discunts fr the drugs yu are taking r abut the Medicare Cverage Gap Discunt Prgram in general, please cntact Member Services (phne numbers are n the frnt cver). SECTION 8 Hw t cntact the Railrad Retirement Bard

23 Chapter 2: Imprtant phne numbers and resurces 20 The Railrad Retirement Bard is an independent Federal agency that administers cmprehensive benefit prgrams fr the natin s railrad wrkers and their families. If yu have questins regarding yur benefits frm the Railrad Retirement Bard, cntact the agency. Railrad Retirement Bard CALL TTY WEBSITE Calls t this number are free. Available 9:00 am t 3:30 pm, Mnday thrugh Friday If yu have a tuch-tne telephne, recrded infrmatin and autmated services are available 24 hurs a day, including weekends and hlidays This number requires special telephne equipment and is nly fr peple wh have difficulties with hearing r speaking. Calls t this number are nt free. SECTION 9 D yu have grup insurance r ther health insurance frm an emplyer? If yu (r yur spuse) get benefits frm yur (r yur spuse s) emplyer r retiree grup, call the emplyer/unin benefits administratr r Member Services if yu have any questins. Yu can ask abut yur (r yur spuse s) emplyer r retiree health benefits, premiums, r the enrllment perid. If yu have ther prescriptin drug cverage thrugh yur (r yur spuse s) emplyer r retiree grup, please cntact that grup s benefits administratr. The benefits administratr can help yu determine hw yur current prescriptin drug cverage will wrk with ur plan.

24 Chapter 3: Using the plan s cverage fr yur medical services 21 Chapter 3. Using the plan s cverage fr yur medical services SECTION 1 Things t knw abut getting yur medical care as a member f ur plan 22 Sectin 1.1 What are netwrk prviders and cvered services? 22 Sectin 1.2 Basic rules fr getting yur medical care that is cvered by the plan 22 SECTION 2 Use prviders in the plan s netwrk t get yur medical care 24 Sectin 2.1 Hw t get care frm netwrk prviders 24 SECTION 3 Hw t get cvered services when yu have an emergency 24 Sectin 3.1 Getting care if yu have a medical emergency 24 SECTION 4 What if yu are billed directly fr the full cst f yur cvered services? 25 Sectin 4.1 Yu can ask the plan t pay ur share f the cst f yur cvered services 25 Sectin 4.2 If services are nt cvered by ur plan, yu must pay the full cst 26 SECTION 5 Hw are yur medical services cvered when yu are in a clinical research study? 26 Sectin 5.1 What is a clinical research study? 26 Sectin 5.2 When yu participate in a clinical research study, wh pays fr what? 27 SECTION 6 Rules fr getting care in a religius nn-medical health care institutin 27 Sectin 6.1 What is a religius nn-medical health care institutin? 27 Sectin 6.2 What care frm a religius nn-medical health care institutin is cvered by ur plan? 28

25 Chapter 3: Using the plan s cverage fr yur medical services 22 SECTION 1 Things t knw abut getting yur medical care as a member f ur plan This chapter tells things yu need t knw abut using the plan t get yur medical care cverage. It gives definitins f terms and explains the rules yu will need t fllw t get the medical treatments, services, and ther medical care that are cvered by the plan. Fr the details n what medical care is cvered by ur plan and hw much yu pay as yur share f the cst when yu get this care, use the benefits chart in the next chapter, Chapter 4 (Medical benefits chart, what is cvered and what yu pay). Sectin 1.1 What are netwrk prviders and cvered services Here are sme definitins that can help yu understand hw yu get the care and services that are cvered fr yu as a member f ur plan: Prviders are dctrs and ther health care prfessinals that the state licenses t prvide medical services and care. The term prviders als includes hspitals and ther health care facilities. Netwrk prviders are the dctrs and ther health care prfessinals, medical grups, hspitals, and ther health care facilities that we have signed cntracts with t deliver cvered services t members in ur plan. These prviders have already agreed t see members f ur plan. Sectin 1.2 describes the rules fr getting cvered services using ur netwrk prviders. Cvered services include all the medical care, health care services, supplies, and equipment that are cvered by ur plan. Yur cvered services fr medical care are listed in the benefits chart in Chapter 4. Sectin 1.2 Basic rules fr getting yur medical care that is cvered by the plan Medi-Pak Advantage MA-PD Optin 1 (PFFS) will generally cver yur medical care as lng as: The care yu receive is included in the plan s Medical Benefits Chart (this chart is in Chapter 4 f this bklet). The care yu receive is cnsidered medically necessary. It needs t be accepted treatment fr yur medical cnditin. Yu can receive yur care frm any prvider in the United States, if the prvider agrees t accept ur plan s terms and cnditins f payment prir t prviding services t yu and is eligible t prvide services under Original Medicare r eligible t be paid by Medi-Pak Advantage MA-PD Optin 1 (PFFS) fr benefits that are nt cvered under Original Medicare.

26 Chapter 3: Using the plan s cverage fr yur medical services 23 A Medicare Advantage Private Fee-fr-Service plan wrks differently than a Medicare supplement plan. We have netwrk prviders (that is, prviders wh have signed cntracts with ur plan) fr all services cvered under Original Medicare. These prviders have already agreed t see members f ur plan. If yur prvider is nt ne f ur netwrk prviders, then the prvider is nt required t agree t accept the plan s terms and cnditins, f payment, they may chse nt t prvide health care services t yu, except in emergencies. If this happens, yu will need t find anther prvider that will accept ur terms and cnditins f payment. Prviders can find the plan s terms and cnditins f payment n ur website at A prvider is cnsidered t have agreed t accept the terms and cnditins f payment if the prvider was aware that yu are a member f the PFFS plan befre prviding services t yu (fr example: if yu shwed them yur PFFS plan card); the prvider had reasnable access t ur terms and cnditins f payment; and the prvider prvided cvered services t yu. The prvider desn t have t actually read the terms and cnditins f payment - If the prvider had the pprtunity t read them and treats yu, the law deems this prvider t have agreed t accept ur plan s terms and cnditins f payment fr that specific visit. Yu must shw yur plan membership card every time yu visit a prvider. A prvider can decide at every visit whether t accept ur plan s terms and cnditins, and thus treat yu. A prvider cannt change his/her mind abut accepting the terms and cnditins f payment after prviding services. Nt all prviders accept ur plan s terms and cnditins f payment r agree t treat yu. If a prvider frm whm yu seek care decides nt t accept ur plan s terms and cnditins f payment r refuses t treat yu, then yu will need t find anther prvider that will accept ur plan s terms and cnditins f payment. A prvider that decides nt t accept ur plan s terms and cnditins f payment shuld nt prvide services t yu, except in emergencies. Yu may cntact us at (877) fr assistance lcating anther prvider in yur area wh will accept ur plan s terms and cnditins f payment. If yu need emergency care, it is cvered whether a prvider agrees t accept the plan s payment terms r nt. Our plan has signed cntracts with sme prviders t deliver cvered services t members in ur plan. These prviders are ur netwrk prviders. Yu can get a list f these prviders at r yu may call Member Services at the number n the frnt cver f this bklet. We have netwrk prviders fr services cvered under Medicare. Yu can still receive cvered services frm ut-f-netwrk prviders (thse wh d nt have a signed cntract with ur plan), as lng as thse prviders agree t accept ur plan s terms and cnditins f payment, as described earlier in this sectin. Fr services fr which netwrk prviders are nt available, yu can receive cvered services frm any prvider wh agrees t accept ur plan s terms and cnditins f payment, as described earlier in this sectin.

True Blue Rx Option I (HMO)

True Blue Rx Option I (HMO) True Blue Rx Optin I (HMO) 2014 Evidence f Cverage January 1 December 31, 2014 Yur Medicare Health Benefits and Services and Prescriptin Drug Cverage as a Member f True Blue Rx Optin I (HMO) This bklet

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

UPREHS PRIME MEDICARE PART D PRESCRIPTION DRUG PLAN (EMPLOYER PDP) BENEFIT GUIDE

UPREHS PRIME MEDICARE PART D PRESCRIPTION DRUG PLAN (EMPLOYER PDP) BENEFIT GUIDE UPREHS PRIME MEDICARE PART D PRESCRIPTION DRUG PLAN (EMPLOYER PDP) BENEFIT GUIDE Yur Medicare Prescriptin Drug cverage as a Member f the UPREHS Prime Medicare Part D Plan 2016 A $9 cpayment gets yu a 90-day

More information

High Deductible Health Plan/ Health Savings Account Presentation

High Deductible Health Plan/ Health Savings Account Presentation High Deductible Health Plan/ Health Savings Accunt Presentatin WHY CHANGE? Future plan structured s emplyees will think and act differently Prmte preventin and getting healthier Prmtes cnsumerism Current

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS MEDICAL PROVIDER NETWORK (MPN) NOTIFICATION If yu are injured at wrk, Califrnia Law requires yur emplyer t prvide and pay

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely prud f the package f benefits available t yu. The benefits package prvided

More information

Dear Georgia Tech Retiree,

Dear Georgia Tech Retiree, Dear Gergia Tech Retiree, Open Enrllment is the ne pprtunity yu have each year t make changes t yur existing benefit cverage. The 2015 benefits Open Enrllment perid will be held Nvember 3, 2014 thrugh

More information

Dual Demonstration FAQs

Dual Demonstration FAQs Dual Demnstratin FAQs Benefits What benefits are available under the Dual Demnstratin? Individuals have access t a cmprehensive netwrk f acute and lng term care services prviders, and access t the same

More information

Enrollee Health Assessment Program Implementation Guide and Best Practices

Enrollee Health Assessment Program Implementation Guide and Best Practices Enrllee Health Assessment Prgram Implementatin Guide and Best Practices March 2015 033129 (03-2015) This guide will help yu answer these questins: What is the Enrllee Health Assessment (EHA) prgram and

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Tufts Health Unify Member Handbook

Tufts Health Unify Member Handbook 2015 Tufts Health Unify Member Handbk H7419_4818A CMS Accepted Tufts Health Unify Member Handbk January 1, 2015 December 31, 2015 Yur Health and Drug Cverage under the Tufts Health Unify Medicare-MassHealth

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK Mutual f Omaha Insurance Cmpany P.O. Bx 3608 Omaha, Nebraska 68103-3608 Applicatin Submissin Checklist T Mutual f Omaha Fr Medicare Supplement Cverage NEW YORK THIS APPLICATION MUST BE USED TO WRITE MUTUAL

More information

Dear Flexible Spending Account (FSA) Enrollee:

Dear Flexible Spending Account (FSA) Enrollee: Dear Flexible Spending Accunt (FSA) Enrllee: Welcme t yur FSA Plan! Yu nw have 24x7 access t all yur FSA needs n the web. T access yur accunt simply lgn t www.fsa4me.cm. Yur user name is yur first initial,

More information

How to put together a Workforce Development Fund (WDF) claim 2015/16

How to put together a Workforce Development Fund (WDF) claim 2015/16 Index Page 2 Hw t put tgether a Wrkfrce Develpment Fund (WDF) claim 2015/16 Intrductin What eligibility criteria d my establishment/s need t meet? Natinal Minimum Data Set fr Scial Care (NMDS-SC) and WDF

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

January 2015 *Benefits Highlights for Medical Center Employees

January 2015 *Benefits Highlights for Medical Center Employees January 2015 *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 information

Medicare Advantage Outreach and Education Bulletin

Medicare Advantage Outreach and Education Bulletin Medicare Advantage Outreach and Educatin Bulletin Anthem BlueCrss BlueShield 2014 Cnnecticut Medicare Advantage Plan Changes Dear Healthcare Prvider, Annual benefits changes fr Medicare Advantage plan

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

State Aid to the Needy Disabled-AND/ NO MEDICAID

State Aid to the Needy Disabled-AND/ NO MEDICAID Belw is a brief descriptin f Adult Financial, Adult Medical, MSP and Lng Term Care Prgrams in Clrad. This infrmatin will assist yu in determining which prgram is mst suited t yur needs r situatin. Fr additinal

More information

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272 LOUISIANA TECH UNIVERSITY Divisin f Student Financial Aid Pst Office Bx 7925 Rustn, LA 71272 Dear Financial Aid Applicant, Accrding t yur 2011-2012 Student Aid Reprt (SAR), yu did nt include any parental

More information

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS Only the Ministry f Training, Clleges & Universities can cnsider clearance reviews fr mst ther student restrictin issues. These

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

PLANNING 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 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 f planning ahead The

More information

Open Enrollment September 1, 2012

Open Enrollment September 1, 2012 Open Enrllment September 1, 2012 Open Enrllment Agenda What s SWOOSH? What is Open Enrllment? What Frms D I Need t Cmplete? New Medical Plans and Rates UHC Resurces FSA Infrmatin Cverage fr Overage Dependents:

More information

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,

More information

Agency Fund (Non-Student Org X-Fund) Guidelines Last Revision: 12/7/2009

Agency Fund (Non-Student Org X-Fund) Guidelines Last Revision: 12/7/2009 Agency Fund (Nn-Student Org X-Fund) Guidelines Last Revisin: 12/7/2009 Definitin f Agency Fund: An Agency Fund cnsists f funds held by Eastern Michigan University as custdian r fiscal agent fr thers, such

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014 FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Apprved by the DOLA Executive Directr July 1, 2014 Prgram Overview: As f July 1, 2014, the Department f Lcal

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3 ALABAMA STATE UNIVERSITY HUMAN RESOURCES EMPLOYEE SELF SERVICE USER GUIDE 2 Table f Cntents Welcme t Emplyee Self Service... 3 Wh D I Call Fr Help?... 3 Hw d I access Emplyee Self Service?... 4 Persnal

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

1. I got a letter that says I can t be Prime because of where I live. It says my Prime Service Area is going away. Why is this happening?

1. I got a letter that says I can t be Prime because of where I live. It says my Prime Service Area is going away. Why is this happening? 1. I gt a letter that says I can t be Prime because f where I live. It says my Prime Service Area is ging away. Why is this happening? Under the new TRICARE reginal cntracts that began in 2007, the gvernment

More information

PROPOSAL SUMMARY. The Boeing Company

PROPOSAL SUMMARY. The Boeing Company PROPOSAL SUMMARY The Being Cmpany Emplyees Represented by Sciety f Prfessinal Engineering Emplyees in Aerspace (SPEEA), Prfessinal and Technical Units January 8, 2016 ACTIVE MEDICAL, DENTAL, AND INSURANCE

More information

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process BridgeValley Cmmunity and Technical Cllege Financial Aid Office 2015-2016 Maximum Hur Financial Aid Suspensin Appeal Prcess T receive financial aid administered by BridgeValley Cmmunity and Technical Cllege,

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

Care Plan Oversight. Home Health Certification. July 23, 2014. Agenda

Care Plan Oversight. Home Health Certification. July 23, 2014. Agenda Care Plan Oversight Hme Health Certificatin July 23, 2014 Agenda Care Plan Oversight Why We Are Prviding the Educatin Prcedure cdes Descriptin f Services Wh Can Perfrm Frequency f Services Face-t-Face

More information

How Checking Accounts Work

How Checking Accounts Work Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a

More information

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin

More information

Frequently Asked Questions About I-9 Compliance

Frequently Asked Questions About I-9 Compliance Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf

More information

Wire Transfer Request

Wire Transfer Request Wire Transfer Request Requirements and Instructins OFFICE OF DISBURSEMENTS Categry: Dcument Name: Payment Prcessing Wire Transfer Request - Requirements and Instructins Respnsible Department: Office f

More information

Merchant Processes and Procedures

Merchant Processes and Procedures Merchant Prcesses and Prcedures Table f Cntents EXHIBIT C 1. MERCHANT INTRODUCTION TO T-CHEK 3 1.1 Wh is T-Chek Systems? 3 1.2 Hw t Cntact T-Chek Systems 3 1.3 Hw t Recgnize T-Chek Frms f Payment 3 1.3.1

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

An affordable health care plan designed to provide uninsured people with access to basic medical care

An affordable health care plan designed to provide uninsured people with access to basic medical care An affrdable health care plan designed t prvide uninsured peple with access t basic medical care Business Owner s Reference Manual 2007 Table f Cntents CverTN Plan Overview... 2 CverTN PPO Plan Overview...

More information

Consumer Guide to Health Insurance Appeals

Consumer Guide to Health Insurance Appeals Cnsumer Guide t Health Insurance Appeals Table f Cntents Intrductin Where t start Step 1: Identify the surce f yur cverage and the issue Where d yu get yur cverage? What kind f denial did yu receive? Is

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

More information

Health Savings Accounts (HSAs) Distribution Rules

Health Savings Accounts (HSAs) Distribution Rules Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS fr STUDY ABROAD PROGRAMS Belw is a list f items t address and questins that need t be addressed in the cmprehensive safety assessment. In additin t the safety

More information

ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM?

ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM? ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM? City University f Seattle recgnizes that learning ccurs in many different ways and under varied circumstances. As a result, the University

More information

Munising Memorial Hospital. Administrative/Financial Policy

Munising Memorial Hospital. Administrative/Financial Policy Munising Memrial Hspital Administrative/Financial Plicy SUBJECT: Credit and Cllectins & Financial Assistance POLICY NO. 100-072 REVISED: March 26, 2014 Authrized By: The credit and cllectin plicy f Munising

More information

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3 EEC Single Sign In (SSI) Applicatin The EEC Single Sign In (SSI) Single Sign In (SSI) is the secure, nline applicatin that cntrls access t all f the Department f Early Educatin and Care (EEC) web applicatins.

More information

2015-16 Independent Verification Worksheet for HSC Students

2015-16 Independent Verification Worksheet for HSC Students 15IVHP 2015-16 Independent Verificatin Wrksheet fr HSC Students Yur applicatin was selected fr review in a prcess called verificatin. In this prcess, Temple University will be cmparing infrmatin frm yur

More information

Engineering Society Financial Handbook

Engineering Society Financial Handbook Engineering Sciety Financial Handbk Page 2 f 6 1.0 Welcme Welcme t banking with the Engineering Sciety! The purpse f this handbk is t prvide yu with all the details abut banking with the sciety. The sciety

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

FAQs regarding our system upgrade

FAQs regarding our system upgrade FAQs regarding ur system upgrade 1) Q: Why are yu upgrading yur cre data prcessing system? A: An upgrade is the act f making smething better, such as an imprved experience r a human interactin. At Arsenal

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

Disability Support Pension medical appeals. What are the medical criteria for Disability Support Pension?

Disability Support Pension medical appeals. What are the medical criteria for Disability Support Pension? Disability Supprt Pensin factsheet Disability Supprt Pensin medical appeals If yur applicatin fr Disability Supprt Pensin has been rejected n medical grunds, yu have the right t appeal. This factsheet

More information

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC?

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC? Issue Brief SBC Distributin Rules fr Emplyer Spnsred Health Plans Octber 2012 Summary The Affrdable Care Act (ACA) expands ERISA's disclsure requirements by requiring that a summary f benefits and cverage

More information

Internet and E-Mail Policy User s Guide

Internet and E-Mail Policy User s Guide Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin

More information

IN-HOUSE OR OUTSOURCED BILLING

IN-HOUSE OR OUTSOURCED BILLING IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability

More information

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc. HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

A Dental Plan With You In Mind

A Dental Plan With You In Mind A Dental Plan With Yu In Mind An Exciting Dental Plan Fr Members Of The Illinis Retired Teachers Assciatin The IRTA endrsed a grup dental insurance plan, underwritten by Ameritas Life Insurance Crp., has

More information

Kronos Workforce Timekeeper Frequently Asked Questions

Kronos Workforce Timekeeper Frequently Asked Questions Krns Wrkfrce Timekeeper Frequently Asked Questins 1. I d nt have the Emplyee Time Reprting ptin listed in my Agra menu. What d I d? If yu are a new emplyee and can t see yur emplyee timecard, cnfirm with

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

Employer Phone Number City State ZIP Patient Relationship to Responsible Party. Name of Insured Date of Birth

Employer Phone Number City State ZIP Patient Relationship to Responsible Party. Name of Insured Date of Birth PATIENT INFORMATION Patient Registratin Frm (Please Print) Title (Mrs./Miss/Ms/Dr) Hw did yu hear abut us? Referral? Patient s Name (Last) (First) (Middle) Als Knwn As Name (Last) (First) Marital Status

More information

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options)

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options) Dear Custmer: Thank yu fr cntacting Custmer Care regarding the clsure f yur Individual Retirement Accunt (IRA). In rder t prcess yur request, please cmplete the enclsed Request fr Distributin frm. Yu may

More information

OPTIONAL PRACTICAL TRAINING INFORMATION

OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal Services Office OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal students, with an F-1 visa, wh have been lawfully enrlled full-time fr at least ne academic year and maintaining status

More information

Information for IRS Approved Continuing Education Providers. Provided via conference call January 20, 21, 22, 2015

Information for IRS Approved Continuing Education Providers. Provided via conference call January 20, 21, 22, 2015 Infrmatin fr IRS Apprved Cntinuing Educatin Prviders Prvided via cnference call January 20, 21, 22, 2015 Return Preparer Legislatin The Senate Finance Cmmittee intrduced a bill that wuld prvide the Treasury

More information

Hearing Loss Regulations Vendor information pack

Hearing Loss Regulations Vendor information pack Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced

More information

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance An American Benefits Cnsulting White Paper American Benefits Cnsulting, LLC 99 Park Ave, 25 th Flr New Yrk, NY 10016 212 716-3400 http://www.abcsys.cm Grup Term Life Insurance: Table I Straddle Testing

More information

UTR Ebook How to get your UTR Number

UTR Ebook How to get your UTR Number UTR Ebk Hw t get yur UTR Number Published by UTR.rg.uk inf@utr.rg.uk 1. What is a UTR Number Table f Cntents 2. Hw t Apply fr a UTR Number 3. What t d if yu have lst yur UTR Number 4. Self emplyed What

More information

OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE

OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE The Package includes: Business Requirements t Register Cntractrs Rules Prices O.R.C.A. I.D. Cards Requirements Day

More information

ACTIVE MEMBERS SUMMARY PLAN DESCRIPTION

ACTIVE MEMBERS SUMMARY PLAN DESCRIPTION ACTIVE MEMBERS SUMMARY PLAN DESCRIPTION Teamsters Unin 25 Health Services & Insurance Plan www.teamsterscare.cm A Letter frm the Bard f Trustees Dear Member: The Bard f Trustees is pleased t prvide yu

More information

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs Military: Exemptins fr Texas Veterans (Hazlewd Exemptin) FAQs What charges are cvered? What charges are nt cvered? Des the Hazlewd Act cver teacher certificatin fees? Des the Hazlewd Act cver credit by

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios NAVIPLAN PREMIUM LEARNING GUIDE Analyze, cmpare, and present insurance scenaris Cntents Analyze, cmpare, and present insurance scenaris 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Analyze

More information

INTRODUCTION HIGHLIGHTS AND KEY FINDINGS APRIL 2008

INTRODUCTION HIGHLIGHTS AND KEY FINDINGS APRIL 2008 MEDICARE PRESCRIPTION DRUG PLANS IN 2008 AND KEY CHANGES SINCE 2006: SUMMARY OF FINDINGS Prepared by Jack Hadley i, Elizabeth Hargrave ii, and Juliette Cubanski and Tricia Neuman iii INTRODUCTION APRIL

More information

CORPORATE CREDIT CARD POLICY

CORPORATE CREDIT CARD POLICY TITLE: POLICY OWNERS: DATE INSTITUTED: May 1, 2008 CURRENT VERSION: Ver. 1.6 REVISION DATE: July 1, 2015 Crprate Credit Card Plicy Melissa Cluse, Vice President & Cntrller Cindy Klein, Accunts Payable

More information

HIPAA 5010 Implementation FAQs for Health Care Professionals

HIPAA 5010 Implementation FAQs for Health Care Professionals HIPAA 5010 Implementatin FAQs fr Health Care Prfessinals Updated September 27, 2012 Key Messages In January 2009, the Department f Health and Human Services published the final rule cntaining the requirements

More information