The Best Health Plan Choice for Your Small Business

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "The Best Health Plan Choice for Your Small Business"

Transcription

1 The Best Health Plan Choice for Your Small Business Health plans to meet your needs.

2 We can meet your needs. Healthy employees can lead to a happier, more productive workplace. We ll help you choose health plans that deliver the best value to you and your employees. Wide range of plan options. Choose from a variety of health plans and riders to meet your employees health and budget needs. Health and wellness programs. Support for you and your employees to manage or help prevent chronic health conditions, stop smoking, and more. Care while away from home. If you or your employees need medical care while traveling, you re covered. Save with tax credits Your business may be eligible for tax credits to help pay for your group coverage if you have less than 25 full-time employees (or the equivalent of) and the average wage of your employees is less than $50,000. If you want to use tax credits, you must buy your HMSA plan in the Hawai i Health Connector (scheduled to open October 1). Your HMSA representative can help you choose a plan in the Hawai i Health Connector. There s a lot of paperwork to verify your eligibility and claim the tax credit, so check with your tax adviser.

3 What do we get with our health plan? Wellness exams. It s important that your employees see their doctor at least once a year. Keep them healthy and productive with an annual physical exam included in your plan. Generic drugs. Get low-cost generic drugs as soon as your coverage starts, even before you meet your deductible. HMSA s Online Care. Speak to doctors online or by phone at no charge. No appointment needed. Get quick access to HMSA participating providers without dealing with traffic and parking. Special savings. Receive discounts on hundreds of health and wellness products and services statewide with HMSA365. ExtraCare Health Card. Save up to 20 percent on health-related CVS Caremark-brand items that cost more than a dollar at Longs Drugs stores or online at Information and inspiration. See healthy recipes and fun stories about living well in our award-winning Island Scene magazine and at

4 HMSA Group Plans Choose a health plan that meets your employees health needs. Plan Benefits Monthly premiums* Premiums are based on a 21-year-old nonsmoker and includes pediatric dental. Actual premiums will be based on an applicant s age. Deductible, single person The amount you pay out of pocket before your plan benefits start. Annual maximum out of pocket, single person Coinsurance Percentages represent most of the plan s benefits. For a complete list of coinsurance percentages, check the plan s Guide to Benefits. Preferred Provider Plan A Status Preferred Provider Plan B Status HMSA Small Business Plans Health Plan Hawaii A Status Health Plan Hawaii B Status CompMED A Status CompMED B Status Silver PPP (Doesn t comply with Hawaii Prepaid Health Care Act) $ $ $ $ $ $ $ $0 / $100 participating/ nonparticipating $300 $0 $0 $0 $300 $2,500 $3,000 $2,500 $2,500 $2,500 $3,000 YOUR COPAYMENT $2,000 includes prescription drug deductible $5,500 includes prescription drug maximum out of pocket 10% 20% 10% 20% 20% 20% 30% Doctor visit $12 $17 $20 $20 $14 $17 $30 Ambulance 20% 20% 20% 20% 20% 20% 30% Emergency room 20% 20% $100 20% 20% 20% 20% Prescription drugs Generic/preferred/brand (30-day supply) Annual prescription drug deductible, single person Annual prescription drug maximum out of pocket, single person Generic drugs Available before you reach the deductible *These rates can change based on when coverage starts. $7 / $30 / $75 $7**/ $30 / $75 $7 / $30 / $75 $7 / $30 / $75 $7 / $30 / $75 $7**/ $30 / $75 $7**/ $30 / $75 $0 $500 $0 $0 $0 $500 $3,850 $3,350 $3,850 $3,850 $3,850 $3,350 ** Generic drugs are covered before you meet the deductible, excluding Single Source generic drugs (manufactured by a single pharmaceutical company) dispensed at a retail pharmacy. See deductible above See maximum out of pocket above ** ** ** This is only a summary. All benefits are for services received from a participating provider. For details about your coverage and costs, call , option 3, on Oahu or 1 (800) toll-free on the Neighbor Islands. TTY users, call 711.

5 Which plan should I choose? When choosing a health plan, it s important to understand the type of plan that best meets the needs of you and your employees. I want the freedom to choose my doctors. Our Preferred Provider and CompMED plans give you the choice of doctors and specialists from the largest network in Hawaii and every major hospital in the state. I want care to be convenient for me. Our Health Plan Hawaii plans offer comprehensive medical coverage in a health maintenance organization (HMO) setting. You select a health center and a primary care provider, who coordinates all your care.

6 Why should I choose HMSA? You can count on us. Experience. Your health plan is financially secure and backed by 75 years of experience. Reliable. Generations of Island companies and organizations have put their trust in us. High value. You receive the best benefits at the most affordable price. Accessible. If you or your employees have questions, call us, visit us, or contact us online. Choice. You ll have thousands of Hawaii doctors and other health care providers to choose from. Convenience. You can receive care from doctors and hospitals in our network where it s convenient for you. Quality care. You deserve the best care. We work with Hawaii doctors and hospitals to keep you and your employees healthy. Peace of mind. If you or your employees have a medical emergency while traveling, you can go to a hospital or doctor anywhere on the Mainland that s part of the Blue Cross and Blue Shield Association.

7 We re here for you. Call your HMSA representative at , option 3, or 1 (800) toll-free. Go to hmsa.com/reform for the latest health care reform news and sign up for our health care reform e-newsletter. For health care reform questions, you and your employees can call on Oahu or 1 (800) toll-free on the Neighbor Islands, Monday through Friday, 8 a.m. to 5 p.m.

8 HMSA CENTERS Visit one of our new HMSA Centers with extended and weekend hours: Honolulu, Oahu 818 Keeaumoku St. Monday through Saturday, 8 a.m.- 6 p.m. Phone: Pearl City Gateway (opening October 2013) Pearl City, Oahu 1132 Kuala St., Suite 400 Monday through Saturday, 9 a.m.- 7 p.m. Phone: Waiakea Center (opening December 2013) Hilo, Hawaii Island 325 E. Makaala St., Suite 303A Monday through Saturday, 9 a.m.- 7 p.m. Phone: OFFICES Visit your local HMSA office Monday through Friday, 8 a.m. - 4 p.m.: Hilo, Hawaii Island (closing December 2013 to reopen at Waiakea Center) 670 Ponahawai St., Suite Phone: Kailua-Kona, Hawaii Island Henry St., Suite Phone: Kahului, Maui 33 Lono Ave., Suite Phone: Lihue, Kauai 4366 Kukui Grove St., Suite Phone: PHONE on Oahu If you re calling from the U.S. Mainland, please call 1 (800) If you need to call a local Hawaii telephone number from the Mainland, the area code is 808. HMSA s mission is to provide the people of Hawaii access to a sustainable, quality health care system that improves the overall health and well-being of our state. hmsa.com myhmsa askhmsa HMSA Now (00) AMS LE

HMSA Individual Plans. Health plans to meet your needs.

HMSA Individual Plans. Health plans to meet your needs. HMSA Individual Plans Health plans to meet your needs. Why do I need health insurance? Health insurance protects you from the high cost of health care. Without health insurance, you could pay up to $2,000

More information

Plan Comparison for Providers. For provider use only not to be distributed to patients.

Plan Comparison for Providers. For provider use only not to be distributed to patients. Plan Comparison for Providers For provider use only not to be distributed to patients. 2016 HMSA Akamai Advantage - Oahu Monthly premium (Must continue to pay the Part B premium in addition to the HMSA

More information

Massachusetts Health Connector logo. The Health Connector: Massachusetts New and Improved Health Insurance Marketplace

Massachusetts Health Connector logo. The Health Connector: Massachusetts New and Improved Health Insurance Marketplace Massachusetts Health Connector logo The Health Connector: Massachusetts New and Improved Health Insurance Marketplace Massachusetts: The model for national health care reform 1 Massachusetts led the nation

More information

Massachusetts Health Connector logo. What Does National Health Care Reform Mean for You?

Massachusetts Health Connector logo. What Does National Health Care Reform Mean for You? Massachusetts Health Connector logo What Does National Health Care Reform Mean for You? 1 National health care reform offers more opportunities for individuals, families, and small businesses to save on

More information

PPO Choice. It s Your Choice!

PPO Choice. It s Your Choice! Offered by Capital Advantage Insurance Company A Capital BlueCross Company PPO Choice It s Your Choice! Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees

More information

Your Medicare Options

Your Medicare Options H H FOR GUIDE ESSENTIAL AN H H AN ESSENTI Your Medicare Options H MEDICARE BENEFICIARIES IN ALABAMA RIES IN ALABAMA Y0106_GBKLT_15 Accepted Thank you for your interest in Blue Cross and Blue Shield of

More information

Things you need to know about Medicare.

Things you need to know about Medicare. Things you need to know about Medicare. 1 2 3 1OPTION Original Medicare We re here to help. Approaching 65 is an important milestone in life, and becoming eligible for Medicare is part of that. Whether

More information

Medicare Advantage plans from people who care. New for 2016!

Medicare Advantage plans from people who care. New for 2016! Medicare Advantage plans from people who care. New for 2016! Elderplan is an HMO plan with Medicare and Medicaid contracts. Enrollment in Elderplan depends on contract renewal. This information is not

More information

Your Plan Explained. Hello HEALTH. UnitedHealthcare Senior Supplement Plan

Your Plan Explained. Hello HEALTH. UnitedHealthcare Senior Supplement Plan Your Plan Explained Hello HEALTH UnitedHealthcare Senior Supplement Plan Why UnitedHealthcare Your partner in health. From New York to Hawaii, UnitedHealthcare is helping more than 75 million people live

More information

Take charge of your health

Take charge of your health Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Take charge of your health Choose Aetna, choose affordable coverage The information you need to choose quality

More information

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans DECISION GUIDE 2015 Regence Medicare Advantage PPO Plans Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association

More information

Summary of Benefits. Blue Shield of California Medicare Rx Plan (PDP)

Summary of Benefits. Blue Shield of California Medicare Rx Plan (PDP) Summary of Benefits Blue Shield of California Medicare Rx Plan (PDP) An employer-sponsored Medicare Prescription Drug Plan for University of California (UC) retirees January 1, 2015 December 31, 2015 State

More information

POS. Point-of-Service. Coverage You Can Trust

POS. Point-of-Service. Coverage You Can Trust POS Point-of-Service Coverage You Can Trust Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees of the Blue Cross and Blue Shield Association. Coverage

More information

SISC HEALTH BENEFITS 101. South Orange County Community College District August 11, 2015

SISC HEALTH BENEFITS 101. South Orange County Community College District August 11, 2015 1 SISC HEALTH BENEFITS 101 South Orange County Community College District August 11, 2015 2 SISC Schools Helping Schools Established in 1979, Self-Insured Schools of California (SISC) operates as a public

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to

More information

... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia.

... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia. Thank you...... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia. With a Medicare Supplement plan, you can have peace of mind knowing you have reliable coverage

More information

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.

More information

POS Individual Health Plans

POS Individual Health Plans Louisiana Health cooperative POS Individual Health Plans Available in all parishes statewide LOUISIANA HEALTH COOPERATIVE 2014 Benefits at a Glance POS-I 20131023 V.1 POS Individual Health Plans Louisiana

More information

Ways Your Health Plan Works for You

Ways Your Health Plan Works for You Ways Your Health Plan Works for You We re always at your service We help keep you healthy We help you get the healthcare you need Welcome to Blue Cross & Blue Shield of Rhode Island. We want you to be

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...

More information

SIMPLICITY. 2015 Your Plan Explained

SIMPLICITY. 2015 Your Plan Explained Hello SIMPLICITY 2015 Your Plan Explained PFIZER UnitedHealthcare Group Medicare Advantage (PPO) Effective January 1, 2015, through December 31, 2015 Group Number: 12367, 12368 Benefit Highlights UnitedHealthcare

More information

CENTERS FOR MEDICARE & MEDICAID SERVICES. Cost

CENTERS FOR MEDICARE & MEDICAID SERVICES. Cost CENTERS FOR MEDICARE & MEDICAID SERVICES Things to Think about when You Compare Medicare Drug Coverage You have two options to get Medicare coverage for your prescription drugs. If you have Original Medicare,

More information

Medicare. 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 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 information

Medicare Advantage Your Way. New for 2014!

Medicare Advantage Your Way. New for 2014! Medicare Advantage Your Way. New for 2014! Elderplan is a health plan with Medicare and Medicaid contracts. The benefit information provided herein is a brief summary, not a complete description of benefits.

More information

Who are you healthy for?

Who are you healthy for? Who are you healthy for? Be there for those you care about Health plans for individuals and families 1/1/2016 WE RE HERE FOR YOU EVERY STEP OF THE WAY For help choosing and enrolling in a plan 877-PREMERA

More information

Medicare 101 Guide Your Guide to Medicare Basics

Medicare 101 Guide Your Guide to Medicare Basics Medicare 101 Guide Your Guide to Medicare Basics Y0013_16_MEDGUI Accepted 11232015 bcbstmedicare.com Get More from Your Medicare This guide helps you understand how Medicare s different parts work and

More information

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP)

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) Your Plan Explained Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) UnitedHealthcare MedicareRx for Groups (PDP) Y0066_PDP_896487_000 What is Medicare Part D? Medicare Part D is a

More information

It s Your Health Plan. Make the Most of It.

It s Your Health Plan. Make the Most of It. It s Your Health Plan. Make the Most of It. 3M Medical Plan Options 2013 health benefits What s new for 2013 More plans. More choices. 3M Advantage Plans. This year, 3M active employees have two high-deductible

More information

Thank you... for your interest in our Medicare Supplement insurance plans.

Thank you... for your interest in our Medicare Supplement insurance plans. Thank you... for your interest in our Medicare Supplement insurance plans. They ll help you stay healthy and keep medical costs down. You get an added layer of peace of mind through benefits such as these:

More information

LEARN. Your guide to health insurance

LEARN. Your guide to health insurance LEARN Your guide to health insurance Table of Contents Why health insurance is important...1 How the Affordable Care Act affects you...2 See if you may qualify for a subsidy...4 Types of health plans...6

More information

Humana Medicare Advantage and Prescription Drug Plans

Humana Medicare Advantage and Prescription Drug Plans 2015 Presentation Humana Medicare Advantage and Prescription Drug Plans Y0040_SPM_SPRE_MAPD_15 Approved GNHH31KHH_15 Let s talk about... Are you eligible? Choosing the right Humana plan for you Your Medicare

More information

Individual Health Insurance

Individual Health Insurance Individual Health Insurance Plans that fit every need, lifestyle and budget. Through It All. 866-303-BLUE (2583) bcbsok.com SM Call 866-303-BLUE (2583), visit bcbsok.com, or contact an independent Blue

More information

Your guide to finding the best health insurance plan.

Your 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 information

CENTERS FOR MEDICARE & MEDICAID SERVICES

CENTERS FOR MEDICARE & MEDICAID SERVICES CENTERS FOR MEDICARE & MEDICAID SERVICES Things to think about when you compare Medicare drug coverage There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription

More information

Decision Guide. For 2014 Individual & Family Health Insurance Coverage

Decision Guide. For 2014 Individual & Family Health Insurance Coverage Your Plan Decision Guide For 2014 Individual & Family Health Insurance Coverage Health care reform is here. And some things are changing. Starting in 2014, nearly everyone will be required to have health

More information

FOR YOU HEALTH PLANS THAT WORK EMPLOYER MATERIALS 1

FOR YOU HEALTH PLANS THAT WORK EMPLOYER MATERIALS 1 HEALTH PLANS THAT WORK FOR YOU Blue Cross & Blue Shield of Rhode Island understands that when it comes to health plans, small businesses have different needs. Affordability is important, but so are quality

More information

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE AGENDA What is original Medicare? The A, B, C, and D s of Medicare Enrollment periods Medicare Advantage star rating system Where you can find

More information

Regence Bridge Medigap (Medicare Supplement) Plans

Regence Bridge Medigap (Medicare Supplement) Plans Regence Bridge Medigap (Medicare Supplement) Plans for Clark County, Washington Making sure you have the coverage that is right for you. Regence BlueCross BlueShield of Oregon is an Independent Licensee

More information

Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare. Annual Notice of Changes for 2014

Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare. Annual Notice of Changes for 2014 Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare Annual Notice of Changes for 2014 You are currently enrolled as a member of Essentials Rx 15 (HMO) Plan. Next year, there will be some changes

More information

HEALTHSPAN MEDICARE HEALTH PLAN

HEALTHSPAN MEDICARE HEALTH PLAN This is an advertisement. HealthSpan Medicare Advantage for Federal Members (HMO) YOUR GUIDE TO CHOOSING A HEALTHSPAN MEDICARE HEALTH PLAN INCREASE YOUR COVERAGE without increasing your FEHB premium. MAKE

More information

Molina Marketplace. We have a plan to keep you healthy.

Molina Marketplace. We have a plan to keep you healthy. Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should

More information

New Coverage & New Choices for Medicare-eligible Retirees

New Coverage & New Choices for Medicare-eligible Retirees New Coverage & New Choices for Medicare-eligible Retirees What We Will Cover Today What is changing. How this affects Medicare eligible retirees. Extend Health and the services and health plans available

More information

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved 2015 Freedom Health Sales Presentation Video Transcript- H5427_15FHSalesPresVidv2_CMS Approved Welcome to this presentation on Freedom Health s Medicare Advantage Plans. Today you will learn about the

More information

Health Insurance Shopper s Guide Information to help you choose a health plan for you and your family.

Health Insurance Shopper s Guide Information to help you choose a health plan for you and your family. Health Insurance Shopper s Guide Information to help you choose a health plan for you and your family. who needs Nobody knows the future. But you can plan for it and protect yourself and your family with

More information

Choose the Medicare Advantage Plan That s Right for You

Choose 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 information

BlueCHiP for Medicare 2016 Plan Selection Form

BlueCHiP for Medicare 2016 Plan Selection Form 2016 Plan Selection Form Date: c c / c c / c c c c Instructions: Complete the following sections 1. Provide Demographics 2. Choose your Medical Plan 3. Choose your Optional Supplemental Dental Plan 4.

More information

Benefit Highlights. Premera Blue Cross MEDICARE SUPPLEMENT PLANS. Discover a plan that s right for you. Effective MARCH 2015

Benefit Highlights. Premera Blue Cross MEDICARE SUPPLEMENT PLANS. Discover a plan that s right for you. Effective MARCH 2015 Effective MARCH 2015 Premera Blue Cross MEDICARE SUPPLEMENT PLANS Benefit Highlights Discover a plan that s right for you. Individual Medicare Supplement plans for residents of Washington state (excluding

More information

Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer

Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer clarity YOUR GUIDE TO MEDicare AdvantaGE Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer the coverage

More information

Medicare Solutions. Supplement plans. azblue.com. This is a solicitation for insurance. n Compare Medicare. n Learn how to enroll

Medicare Solutions. Supplement plans. azblue.com. This is a solicitation for insurance. n Compare Medicare. n Learn how to enroll Medicare Solutions n Compare Medicare Supplement plans n Learn how to enroll azblue.com This is a solicitation for insurance Contact Customer Service or your licensed sales representative for more information

More information

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 2016 MEDICARE PLANS from Blue Cross and Blue Shield of Minnesota H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 CHOOSING YOUR MEDICARE PLAN Medicare options designed

More information

Health Insurance Marketplace in Illinois Plan Comparison Charts

Health Insurance Marketplace in Illinois Plan Comparison Charts 2015 Independent Authorized Agent for An Independent Licensee of the Blue Cross Blue Shield Association Health Insurance Marketplace in Illinois Plan Comparison Charts preventive services and maternity

More information

Your 2016 Kaiser Permanente Guide to Medicare

Your 2016 Kaiser Permanente Guide to Medicare en Your 2016 Kaiser Permanente Guide to Medicare Kaiser Permanente Senior Advantage (HMO) Kaiser Permanente Medicare Plus (Cost) Y0043_N015127_v1 accepted Gain knowledge and confidence in choosing the

More information

benefit summary BAXTER COUNTY

benefit summary BAXTER COUNTY benefit summary BAXTER COUNTY benefit summary Effective Date: BAXTER COUNTY 01/01/2015 welcome Arkansas Blue Cross and Blue Shield is pleased to be your health insurance company. This Benefit Summary gives

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 Blue Medicare HMO SM Standard offered by Blue Cross and Blue Shield of North Carolina (BCBSNC) Annual Notice of Changes for 2014 You are currently enrolled as a member of Blue Medicare HMO Standard. Next

More information

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS MK777-A-R08/10/15þ Rocky Mountain Range Rocky Mountain Health Plans is Colorado-based and Colorado-focused. We were founded in Grand Junction more than

More information

Things to think about when you compare Medicare drug coverage

Things to think about when you compare Medicare drug coverage Things to think about when you compare Medicare drug coverage Revised September 2015 There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription Drug Plan and keep

More information

Member Guide. Your Introduction to Kaiser Permanente

Member Guide. Your Introduction to Kaiser Permanente Member Guide Your Introduction to Kaiser Permanente MEMBER GUIDE This guide provides general information, not medical advice or benefit coverage. For complete details on your benefit coverage, including

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Prescription Blue SM PDP, Option B, offered by Blue Cross Blue Shield of Michigan Annual Notice of Changes for 2015 You are currently enrolled as a member of Prescription Blue Option B. Next year, there

More information

individual and family health insurance plans

individual and family health insurance plans CALL TODAY: (800) 895-2421 MercyCare has a plan for you. individual and family health insurance plans Live well. We ll insure you do. page 1 About us MercyCare s individual health plans are backed by a

More information

City of Arlington Open Enrollment Meeting. November, 2015

City of Arlington Open Enrollment Meeting. November, 2015 City of Arlington Open Enrollment Meeting November, 2015 WELCOME Why We re Here Step 1: Learn about your options Step 2: Consider your choices Step 3: Enroll in a plan Already enrolled? What do I need

More information

Shopping for a health care plan can be confusing. Let us help.

Shopping for a health care plan can be confusing. Let us help. We re here to help Shopping for a health care plan can be confusing. Let us help. Thank you for trusting Anthem Blue Cross and Blue Shield for your health coverage. We re here to protect you from the high

More information

Regence Bridge. Medicare Supplement (Medigap) Plans

Regence Bridge. Medicare Supplement (Medigap) Plans DECISION GUIDE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue Shield Association 09708rep07356-ut UT Learn

More information

2015 Evidence of Coverage

2015 Evidence of Coverage 2015 Evidence of Coverage Akamai Advantage Complete Plus (PPO) HMSA Akamai Advantage An Independent Licensee of the Blue Cross and Blue Shield Association H3832_1127_15_AA_Complete_Plus Accepted January

More information

Lawrence Livermore National Security (LLNS) Kaiser Permanente Senior Advantage with Health Reimbursement Arrangement

Lawrence Livermore National Security (LLNS) Kaiser Permanente Senior Advantage with Health Reimbursement Arrangement Lawrence Livermore National Security (LLNS) Kaiser Permanente Senior Advantage with Health Reimbursement Arrangement Agenda Welcome Medicare Five Star Rating 2016 Benefit Summary Payment Options and How

More information

Molina Marketplace. We have a plan to keep you healthy.

Molina Marketplace. We have a plan to keep you healthy. Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should

More information

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide H2462_ 82767 Accepted 9/14/2014 H2462_91699_01 Accepted 8/30/2015 WIPlanComp Table of contents Introducing HealthPartners...................................

More information

Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY

Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY Medicare Supplement Y0076_PDP 201210R SUP FF BRO FILE & USE 10012011 2012 CY Live life healthy. Live life secure. Is Original Medicare enough to meet your needs? With Original Medicare you are covered

More information

COPAY PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014

COPAY PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014 COPAY PLANS Health Insurance for Individuals & Families 2014 Welcome to PreferredOne PreferredOne.com Your Health, Your Choice, Many Options At PreferredOne, our name says it all you and your family are

More information

Health plans for individuals and families

Health plans for individuals and families 2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll

More information

HMSA Group Leader G U I D E

HMSA Group Leader G U I D E HMSA Group Leader G U I D E Table of Contents Introduction....2 HMSA s Health Plans....3 Dental, Prescription Drugs, and Vision.... 4 HMSA Senior Plans....5 HMSA Individual Plans....6 Group Sponsored

More information

Thank you... ... for your interest in a Medicare Supplement plan from Anthem Blue Cross.

Thank you... ... for your interest in a Medicare Supplement plan from Anthem Blue Cross. Thank you...... for your interest in a Medicare Supplement plan from Anthem Blue Cross. With a Medicare Supplement plan, you can have peace of mind knowing you have reliable coverage from a trusted company.

More information

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 855-381-1212, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life is

More information

Health Care PROGRAMS BASED ON INCOME FOR UNINSURED CHILDREN, TEENS AND ADULTS

Health Care PROGRAMS BASED ON INCOME FOR UNINSURED CHILDREN, TEENS AND ADULTS Health Care PROGRAMS BASED ON INCOME FOR UNINSURED CHILDREN, TEENS AND ADULTS Health Care Programs that offer LOWER-COST COVERAGE Highmark Blue Cross Blue Shield offers three health care programs with

More information

2015 Optimum Healthcare Sales Presentation Video Transcript-

2015 Optimum Healthcare Sales Presentation Video Transcript- 2015 Optimum Healthcare Sales Presentation Video Transcript- H5594_15SalesPresVidv2_CMS_Approved Welcome to this presentation on Optimum HealthCare s Medicare Advantage Plans. Today you will learn about

More information

Human Energy. Yours. TM

Human Energy. Yours. TM Human Energy. Yours. TM Chevron Global Choice Plan (U.S.-Payroll Expatriates) (008) Summary of Benefits and Coverage What This Plan Covers and What it Costs Coverage Period January 1, 2015 December 31,

More information

PDP. Ask. Learn. Understand your Medicare. With a little help from HAP. hap.org/medicare. (800) 868-3153 or TTY/TDD (800) 649-3777

PDP. Ask. Learn. Understand your Medicare. With a little help from HAP. hap.org/medicare. (800) 868-3153 or TTY/TDD (800) 649-3777 Alliance Medicare Rx (pdp) Prospective members: If you have questions, or for full information about our benefits, enrollment periods or plan network, call a licensed HAP Medicare Sales Representative

More information

The International Student & NIU Student Health Insurance

The International Student & NIU Student Health Insurance The International Student & NIU Student Health Insurance 2010 2011 Student Health Insurance Coverage offered through International Students are required to maintain health insurance coverage throughout

More information

Regence Bridge. Medicare Supplement (Medigap) Plans

Regence Bridge. Medicare Supplement (Medigap) Plans DECISION GUIDE Regence Bridge Medicare Supplement (Medigap) Plans Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association

More information

Oak Ridge National Laboratory. New Coverage New Choices

Oak Ridge National Laboratory. New Coverage New Choices Oak Ridge National Laboratory New Coverage New Choices What we ll cover today What is changing and why? How this affects you Introducing Extend Health Medicare marketplace Going forward Questions & answers

More information

how to choose the health plan that s right for you

how to choose the health plan that s right for you how to choose the health plan that s right for you It s easy to feel a little confused about where to start when choosing a health plan. Some people ask their friends, family, or co-workers for advice.

More information

Medicare Made Simple

Medicare Made Simple Medicare Made Simple 1 CONTENTS 4 WHAT DO YOU NEED? Just starting Medicare, or are you already enrolled? 8 A COVERAGE OVERVIEW Understanding what each part of Medicare does for you 10 COST COMPARISON LET

More information

Medicare Supplement Plan

Medicare Supplement Plan MedigapBlue MedigapBlue SM Medicare Supplement Plan The plan that covers what Medicare leaves out Look Inside! You have good reasons to choose a Highmark MedigapBlue Medicare Supplement plan. Decades of

More information

LEARN. Your guide to health insurance. How to choose the best plan for you and your family

LEARN. Your guide to health insurance. How to choose the best plan for you and your family LEARN Your guide to health insurance How to choose the best plan for you and your family Table of Contents Understanding health insurance...1 Health care law and you...2 Health insurance basics...4 Why

More information

Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period.

Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period. SLIDE 1 The ABCD s of Medicare Welcome to Health First s presentation of The ABCDs of Medicare. This is not a sales presentation it s for educational purposes and no plan specific benefits or details will

More information

Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable

Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable MEDICARE PRESCRIPTION DRUG COVERAGE Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable The Affordable Care Act includes benefits to make your Medicare prescription drug coverage

More information

Health Insurance Buyers Guide. What You Need to Know to Get Started

Health Insurance Buyers Guide. What You Need to Know to Get Started Health Insurance Buyers Guide What You Need to Know to Get Started Time to Enroll The Affordable Care Act has changed the way that many people get health insurance. You may have more options and more ways

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 Advocare Spirit Rx (HMO-POS) offered by Security Health Plan of Wisconsin, Inc. Annual Notice of Changes for 2014 You are currently enrolled as a member of Advocare Spirit Rx (HMO-POS). Next year there

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 UPMC for You Advantage (HMO SNP) offered by UPMC for You, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of UPMC for You Advantage. Next year, there will be some changes

More information

New Coverage New Choices 10/31/2011

New Coverage New Choices 10/31/2011 New Coverage New Choices 10/31/2011 What We Will Cover Today What is changing and why. How this affects you. Get to know Extend Health and the services available to you. A look at the Medicare marketplace.

More information

Presented by Excellus BlueCross BlueShield, a nonprofit independent licensee of the BlueCross BlueShield Association. Life has a plan.

Presented by Excellus BlueCross BlueShield, a nonprofit independent licensee of the BlueCross BlueShield Association. Life has a plan. Presented by Excellus BlueCross BlueShield, a nonprofit independent licensee of the BlueCross BlueShield Association. Life has a plan. It's hard to believe that another year has gone by. We want to thank

More information

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 855-372-1212, visit bcbsok.com or contact an independent Blue Cross and Blue Shield of Oklahoma agent to get a quote today. Life

More information

Script for Manager s Tutorial 2016 Annual Enrollment

Script for Manager s Tutorial 2016 Annual Enrollment Script for Manager s Tutorial 2016 Annual Enrollment Introduction Welcome to the 2016 Annual Enrollment Manager s Tutorial. Annual enrollment for eligible full-time and part-time employees is from October

More information

HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU!

HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU! HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU! Y0051_2387 Accepted WHAT YOU NEED TO KNOW ABOUT MEDICARE When you re helping a friend or family member choose a Medicare plan, be sure you

More information

They ll help you stay healthy and keep medical costs down.

They ll help you stay healthy and keep medical costs down. Thank you... for your interest in our Medicare Supplement insurance plans. They ll help you stay healthy and keep medical costs down. You get an added layer of peace of mind through benefits such as these:

More information

Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS

Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS WHEN IT COMES TO HEALTH INSURANCE, WE KNOW WHAT MATTERS MOST: YOU. No one plans to be sick or injured, but if something happens, we want you to

More information

Tribute Health Plan of Arkansas (HMO SNP), a Superior Select product.

Tribute Health Plan of Arkansas (HMO SNP), a Superior Select product. Tribute Health Plan of Arkansas (HMO SNP), a Superior Select product. Tribute Health Plan of Arkansas HMO SNP is a Health plan with a Medicare contract. Enrollment in Tribute Health Plan of Arkansas HMO

More information

Medicare Solutions. Compare Medicare Supplement plans Learn how to enroll AZ1099. This is a solicitation for insurance 115555-15

Medicare 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 information

Choosing a Medicare prescription drug plan.

Choosing a Medicare prescription drug plan. Choosing a Medicare prescription drug plan. Medicare Made Clear TM Get Answers Series Look inside to: Learn about Part D prescription drug coverage options Find out what you need to know about the Part

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna HealthSpring TotalCare (HMO SNP) offered by Cigna HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna HealthSpring TotalCare (HMO SNP). Next year, there

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 BlueRx (PDP) Local Government Health Insurance Plan (LGHIP) Prescription Drug Coverage for Medicare Members offered by Blue Cross and Blue Shield of Alabama Annual Notice of Changes for 2015 You are currently

More information