On your road to good health

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "On your road to good health"

Transcription

1 On your road to good health MyBlue SM Medicare Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent d licensees of the Blue Cross and Blue Shield Association. Medicare Plus Blue SM, BCN Advantage SM and Prescription Blue SM are PPO, HMO, HMO-POS and PDP plans with a Medicare contract. Enrollment in Medicare Plus Blue, BCN Advantage and Prescription Blue depends on contract renewal. Y0074_S_ 2015AEPpresentationR1 CMS Approved

2 The A, B, Cs and D of Medicare Each of these triangles represents a different part of Medicare. Part C is a full triangle because it covers A, B and usually D all on one card, with manyy extra benefits. Part A Original Medicare Hospital care Skilled nursing facility care Hospice Home health care Part B Original Medicare Part C Medicare Advantage Part D Prescription Doctor D t visits i it Everything Parts A Prescription Mental health care and B cover drugs Outpatient surgery Many plans cover Lab tests prescription drugs Durable medical Many plans cover fitness equipment membership, dental and vision Fills in the triangle with added benefits

3 Financial predictability and value built in Blues Medicare Advantage plans: Provide a range of predictable costs for hospital, medical, drugs and other services Cap out-of-pocket spending, unlike Medicare Generally include Part D prescription drug coverage so you ll know your cost share Include benefits and services beyond Original Medicare Are comprehensive, all-in-one plans, with a single card one card, one bill, one Explanation of Benefits and one customer service point of contact A Medicare Advantage plan may be simpler and more cost-effective than buying a la carte. 3

4 The Blues doctor and hospital network spans the country to help lower your costs Most providers accept your coverage 95 percent of all Michigan doctors participate with the Blues* Nearly every hospital in Michigan is in our network* Most doctors and hospitals outside the state that accept Medicare will accept your Blues ID card *Portico provider data system, August 2014; BCN Provider Count Report, August Providers may vary by plan. 95% of doctors Most hospitals 4

5 Impressive Star quality ratings Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next. Our 2014 star ratings, out of a possible BCN Advantage HMO and HMO-POS Medicare Plus Blue PPO and Prescription Blue PDP There are no 5-star plans in Michigan* Medicare rates plans based on information gathered from members, health care providers and others. *U.S. News and World Report: Best Medicare Advantage Plans 2014, Oct. 31,

6 The Blues are all about choice yours Bundling services: It s a well-tested idea. Combine benefits and improve value while limiting cost cost. Medicare M di Part A Medicare M di Part B Part D P Prescription Drug Plan Supplement S l Plan Medicare M di Advantage Plans (Part C) Combines them all* all Plus additional benefits *Not all plans include Part D 6

7 PPO, HMO-POS and HMO defined What s the difference? PPO Preferred Provider Organization: You can go to any doctor and health care facility you choose, without a referral, though you pay less if you stay in the network. HMO-POS Health Maintenance Organization with Point of Service: You must select a primary care physician who oversees your care and will refer you to a specialist when the need arises. POS means you have coverage that travels with you when you leave the service area. HMO Health Maintenance Organization: HMOs require you to have a primary care physician and, in most instances, also require e that your doctors and health care facilities are within the plan-specific network. 7

8 The best plan for your wallet Considerations when choosing a plan: Deductible the amount you must pay before your plan begins to pay its share Coinsurance the percentage of the cost of the service that you pay Copay a fixed dollar amount you pay to health care providers each time you use their services, such as an office visit Out-of-pocket maximum the most you have to spend for copays, coinsurance and deductibles in any given year 8

9 Light, balanced and extended plans There are three bundle levels, each with varied plan options to fit your needs. Ask yourself: What works best for your physical and financial health status? Which includes your doctors and hospitals? Light: Lower monthly premiums and higher out-of-pocket costs Balanced: Ab balance between cost and coverage Extended: Higher monthly premiums and lower out-of-pocket costs 9

10 Light plans Lower monthly premium, higher out-of-pocket costs Features Basic HMO POS Elements HMO POS Essential PPO Part D prescription coverage Doctor visit copay: Primary/specialist Medically related transportation Nationwide travel coverage with BlueCard SilverSneakers fitness membership Statewide provider network $25/$45 $20/$40 $25/$50 = included in plan. = not included in plan. 10

11 Balanced plans Balancing cost and coverage Features ConnectedCare MChi MyChoice Vitality Classic Signature HMO Wellness HMO PPO HMO POS PPO Part D prescription coverage Doctor visit copay: Primary/specialist $0/$45 $0/$45 $20/$50 $15/$35 $15/$45 Medically related transportation Nationwide travel coverage with BlueCard SilverSneakers fitness membership Statewide provider network Oakwood Healthcare and Together Health Network* providers only Mercy Health Affiliated Providers only *An integrated network of doctors in partnership with Trinity Health and Ascension Health. 11

12 Extended plans Higher monthly premium, lower out-of-pocket Features Assure PPO Prestige HMO POS Part D prescription coverage Doctor visit copay: Primary/specialist Medically related transportation Nationwide travel coverage with BlueCard $10/$40 $10/$25 SilverSneakers fitness membership Statewide provider network 12

13 BCBSM Medicare Advantage PPO 2015 premium chart Counties by region Essential Vitality Signature Assure Light Balanced Balanced Extended Region 1 Allegan, Barry, Ionia, Kalamazoo, Mason, Muskegon, Newaygo, Oceana, Ottawa $15.50 $40 $110 $182 Region 2 Berrien, Branch, Calhoun, Eaton, Gratiot, Hillsdale, Ingham, Jackson, Monroe, Montcalm, St. Joseph, Van Buren Region 3 Alcona, Alger, Alpena, Arenac, Baraga, Bay, Charlevoix, Cheboygan, Chippewa, Clare, Crawford, Gladwin, Huron, Iosco, Kalkaska, Keweenaw, Luce, Mackinac, Montmorency, Ogemaw, Ontonagon, Oscoda, Presque Isle, Roscommon, Saginaw, Sanilac, Schoolcraft, Shiawassee, Tuscola Region 4 Antrim, Benzie, Cass, Clinton, Delta, Dickinson, Emmet, Genesee, Gogebic, Grand Traverse, Houghton, Iron, Isabella, Kent, Lake, Lapeer, Leelanau, Lenawee, Livingston, Manistee, Marquette, Mecosta, Menominee, Midland, Missaukee, Osceola, Otsego, Saint Clair, Wexford $ $75 $162 $238 $15.50 $95 $166 $283 $15.50 $75 $157 $232 Region 6 Macomb, Oakland, Washtenaw, Wayne $15.50 $100 $159 $283

14 BCN Advantage HMO-POS 2015 premium chart Counties by region Elements Basic Classic Prestige Light Light Balanced Extended Region 1 Allegan, Barry, Ionia, Kalamazoo, Kent, Mason, Muskegon, Newaygo, Oceana, Ottawa Region 2 Branch, Calhoun, Eaton, Gratiot, Hillsdale, Ingham, Jackson, Monroe, Montcalm, St. Joseph, Van Buren Region 3 Alcona, Alpena, Arenac, Bay, Charlevoix, Cheboygan, Clare, Crawford, Gladwin, Huron, Iosco, Kalkaska, Montmorency, Ogemaw, Oscoda, Presque Isle, Roscommon, Saginaw, Sanilac, Shiawassee, Tuscola $0 $0 $91 $196 $38 $0 $113 $262 $43 $0 $121 $257 Region 4 Antrim, Benzie, Clinton, Emmet, Genesee, Grand Traverse, Isabella, Lake, Lapeer, Leelanau, Lenawee, Livingston, Manistee, Mecosta, Midland, Missaukee, Osceola, Otsego, St. Clair, Wexford $30 $0 $103 $244 Region 5 Macomb, Oakland, Washtenaw, Wayne $49 $0 $138 $262 14

15 BCN Advantage HMO BCN Advantage offers two balanced plans with providerspecific networks with $0 deductible and no primary care physician copay. ConnectedCare is available to residents of Genesee, Kalamazoo, Livingston, Macomb, Oakland, St. Clair, Washtenaw, Wayne counties MyChoice Wellness plan is available to residents of Kent, Muskegon and Oceana counties Worldwide emergency and urgent care benefit Coverage for brand-name and generic drugs Free SilverSneakers fitness membership included Benefits beyond Original Medicare Monthly premium: ConnectedCare $41 MyChoice $29 15

16 Lower monthly premium, higher out-of-pocket costs Light Considerations Basic HMO POS Elements HMO POS Essential PPO Out-of-pocket maximum* $4,200 $3,600 $6,400 Medical deductible* $325 $160 Office visit*: primary/specialist $150 In- and out-of-network combined $25/$45 $20/$40 $25/$50 Hospital copay* daily for first 6 days Urgent care/emergency in U.S. Michigan comparative network size $225 $180 $250 $45/$65 $45/$65 $45/$65 *Out-of-network cost share is higher. 16

17 Balancing cost and coverage Balanced Considerations ConnectedCare HMO MyChoice Wellness HMO Vitality PPO Classic HMO POS Signature PPO Out-of-pocket maximum* $3,400 $3,400 $5,400 $3,400 $4,400 Medical deductible* $0 $0 $750 $750 $125 Out-of-network only Out-ofnetwork only Office visit*: primary/specialist Hospital copay* daily for first 6 days Urgent care/ emergency in U.S. $0/$45 $0/$45 $20/$50 $15/$35 $15/$45 $200 $200 $225 $130 $160 $45/$65 $45/$65 $45/$65 $40/$65 $35/$65 Michigan comparative network size *Out-of-network cost share is higher. 17

18 Higher monthly premium, lower out-of-pocket Extended Considerations Assure PPO Prestige HMO POS Out-of-pocket maximum* $3,400 $3,200 Medical deductible* $250 Out-of-network only $0 Office visit*: primary/specialist $10/$40 $10/$25 Hospital copay* daily for first 6 days $90 $90 Urgent care/emergency in U.S. $35/$65 $35/$65 Michigan comparative network size *Out-of-network cost share is higher. 18

19 BCN Advantage optional supplemental dental, vision and hearing benefit only $19.90 a month Enhanced dental benefits 2015 In-network only Annual maximum $1,000 Waiting periods No waiting period Additional Class I fluoride treatments 100% Class II services amalgam and resin fillings, root 50% canals, crown repairs, simple extractions Class II services crowns 50% Frequency rules Enhanced vision benefits fluoride treatment per year Amalgam or resin filling once per tooth every 48 months Root canal once per lifetime per tooth th Crowns once per tooth every 84 months In-network VSP Choice Network Additional services lens options Enhanced hearing benefits 2015 $200 additional allowance for glasses (lenses and frames) or contact t lenses every 24 months Discounts on antireflective coating, tints, polycarbonate lenses In-network only Annual routine hearing exam 50% Hearing aid exam every three years Hearing aids 50% of contracted audiologist fee 50% up to $500 ($250 per ear) Once every three years $500 maximum 19

20 Drug coverage included in most Blues plans 98 percent of Michigan pharmacies are in the Blues network* Home delivery (mail order) is free from Walgreens and Express Scripts Get a 90-day supply of most prescription drugs** through our retail network or mail-order pharmacies Some plan networks have preferred and nonpreferred pharmacies: Preferred pharmacies offer savings similar to mail order on up to a 90-day supply of drugs Nonpreferred pharmacies also offer savings on 90-day supplies, but less than a preferred pharmacy You also have access to an extensive retail pharmacy network outside of Michigan, including most retail chain pharmacies *January 2014 NCPDP/BCBSM BCN Pharmacy Network database **Formularies (drug lists) available at 20

21 Part D prescription drug coverage Three coverage stages: What the plan pays What you pay What you pay What the plan pays What you pay Initial coverage stage After your deductible, if you have one, you pay a portion of the cost and the plan pays the rest. Coverage gap stage Once you and the plan pay $2,960, you pay much of the cost, but, because we discount the cost of your drugs, you never pay full price. Catastrophic coverage stage Once you reach $4,700, your cost-sharing drops to its lowest and you stay in this stage until the end of the year. 21

22 Understanding your formulary All Medicare Part D plans are required to have a list of covered drugs known as a formulary The drugs are listed by drug category and class Blues Medicare Advantage plan formularies have five tiers Tier 1: Preferred generic drugs Tier 2: Nonpreferred generic drugs Tier 3: Preferred brands Tier 4: Nonpreferred brands Tier 5: Specialty Formularies (drug lists) are available at 22

23 Your formulary drug tiers Drug tier Includes Helpful tips Tier 1: Preferred generic drugs Many commonly prescribed generic drugs and other lowcost drugs Use Tier 1 drugs for the lowest copayments. Tier 2: Nonpreferred generic drugs Additional low-cost drugs Tier 2 drugs keep copayments in the lower range. Tier 3: Preferred brand drugs Preferred brand-name drugs The lowest copayments among brand-name drugs. Tier 4: Nonpreferred brand drugs Nonpreferred brand-name drugs Many nonpreferred brand drugs have lower-cost alternatives in Tiers 1, 2 and 3. Ask your doctor. Tier 5: Specialty drugs Very high-cost drugs To learn more about drugs in this tier, contact Customer Service at the number on the back of your card. 23

24 Built-in Part D protections Prior Authorization protects you against drug interactions or other potentially negative outcomes. Step Therapy has you try a proven drug, often at a lower cost, before covering a different drug. Quantity Limits are imposed per prescription p for some drugs or there may be limits on how often you can refill a drug. Medication Therapy Management Program offers a free medication review to help improve medication use and reduce the chance of adverse drug interactions. Extra Help in the form of a low-income subsidy may be available to you. Contact your Social Security office to see if you qualify. 24

25 Blues preventive services to stay healthy Welcome to Medicare visit setting your baseline Bone densityy test Colorectal screening Glaucoma screening Di b t screening Diabetes i Cardiovascular disease screenings Prostate cancer screening Pap smears, pelvic exams, mammogram Hepatitis C screening Immunizations Annual Medicare-covered wellness visit These preventive services must be performed by a participating provider. If non routine diagnostics or other types of services are provided during your visit, you may be responsible for a deductible, copay or coinsurance. 25

26 Dental, vision, hearing and more Choose from plans that have the extras you need, such as: Dental care Routine hearing and eye exams Eyeglasses Supplemental dental, vision and h i package hearing k Transportation to medical appointments Bathroom safety items 26

27 SilverSneakers Fitness membership A fun, energizing program that helps you take greater control of your health by encouraging physical activity and offering social events. Access to fitness classes, exercise equipment, pool, sauna and other available amenities Classes designed exclusively for you Health education seminars and other events Program Advisors to help you get started Access to online support to help you lose weight, quit smoking or reduce your stress Walking programs, home fitness programs and more, to meet every member s needs This benefit is not available with all plans. Visit for participating locations.* *Blue Cross Blue Shield of Michigan does not control this website or endorse its general content. 27

28 Personalized care management The Blues provide a wide range of care management support at no charge to help you stay healthy, support you in recovery or improve your quality of life. Many programs are based on medical conditions, and chronic conditions programs are designed to keep you informed with the latest information. Your own care management nurse develops a plan of care tailored just for you. 28

29 Behavioral health services Cheering you on the whole way Available for emotional or mental distress, including depression and drug or alcohol abuse Specialized case managers evaluate your needs and arrange for the right services Your behavioral health case manager will work with you and your doctor to get you the right care There is no added cost for you Sun City Poms 55+ cheerleading squad 29

30 BlueCard* covers you outside of Michigan Most plans have a point-of-service, or POS, travel benefit backed by Blue Cross Blue Shield Shield. Wherever you travel, medical emergencies and urgently needed care are always covered. Preauthorized routine and follow-up care are covered anywhere in the U.S. just use one of the manyy providers p who p participate p with Blues plans. 30 Emergency and urgent care is covered outside of the U U.S. S *A Blue Cross and Blue Shield Association program that allows members to receive care from providers who participate with Blues plans when traveling outside Michigan. Through the BlueCard Worldwide program, members have access to medical assistance services, doctors and hospitals in more than 200 countries and territories around the world. 30

31 Have fun, live healthy for less Member magazines keep you informed of healthy trends and lifestyle news, benefit and d plan l updates, d t and d so much h more Healthy Blue XtrasSM and Blue365 offer savings g on the p products and services yyou need for a healthy lifestyle Lots of member discounts, discounts such as: Weight Watchers Evola Music AAA auto and travel Great Wolf Lodge (Traverse City) Guardian Medical Monitoring and alarms Jitterbug cell phone with LiveNurse 31

32 Medigap plans If a Medicare Advantage plan doesn t work for you, the Blues can offer you a Medigap supplement plan. Supplement plans: Help pay for some health care costs that Original Medicare doesn't cover Do not offer additional benefits Do not include prescription drug coverage Are standardized by law Supplement You must still pay your Part B Medicare medical premium. 32

33 Prescription Blue a standalone Part D plan Remember, Original Medicare and Medicare supplement plans do not include prescription drug coverage. If you choose Original Medicare and a Medigap supplement plan, you ll still need to add a standalone Part D plan. Blue Cross Blue Shield of Michigan offers two Prescription Blue Part D plans. Plan Prescription Blue Option A Prescription Blue Option B Monthly premium $ Yearly deductible $210 for Tiers 3, 4, 5 only $0 33

34 What makes a plan a good fit for you? As you consider various plans, ask yourself: How often do I go to the doctor? Is my doctor in the network of the plan I m looking at? Am I in the hospital a lot? What prescription drugs do I take? Are they expensive? Do I travel much? In Michigan? Nationwide? Worldwide? Would I use a fitness membership if it came with my plan? Do I need preventive dental, vision and hearing benefits? 34

35 To get information, compare plans or enroll in a Medicare plan from the Blues: Call a sales representative at from 8 a.m. to 9 p.m. Eastern time Monday through Friday, with weekend hours Oct. 1 through Feb. 14. TTY users call 711. Contact an independent agent licensed to sell MyBlue Medicare. Complete an application that we can give you here today and mail it to us. Visit one of our walk-in centers. Find locations on our website. Visit our website: to compare plans, get more information and to enroll directly. Medicare beneficiaries may also enroll in MyBlue Medicare through the CMS Medicare Online Enrollment Center located at 35

36 You re eligible to enroll in a MyBlue Medicare Advantage plan if You are entitled to Medicare Part A and are enrolled in Medicare Part B. You must continue to pay your Medicare Part B premium; it s a separate premium paid to Medicare. BCN Advantage HMO-POS: You reside in the 66-county plan service area for six consecutive months each year. BCN Advantage HMO ConnectedCare: You reside in Genesee, Kalamazoo, Livingston, Macomb, Oakland, St. Clair, Washtenaw or Wayne county for six consecutive months each year. BCN Advantage HMO MyChoice: You reside in Kent, Muskegon or Oceana County for six consecutive months each year. Medicare Plus Blue PPO: You are a resident of the state of Michigan. Prescription Blue PDP: You are entitled to Medicare Part A or you're enrolled in Part B or both and you are a Michigan resident. Medicare Advantage: You don t have end-stage renal disease (except under certain conditions, according to federal law). 36

37 Disenrollment and late enrollment Medicare Advantage disenrollment period Medicare Advantage plan members can switch to Original Medicare anytime between January 1 and February 14. If you switch to Original Medicare during this period, you ll have until February 14 to add a Medicare Part D prescription p drug plan. Your coverage will begin the first day of the month after the plan gets your enrollment request. Late enrollment penalty If you don t enroll in a Part D prescription drug plan when you first become eligible, or if you had a break in coverage of at least 63 consecutive days, a late enrollment penalty amount may be added to your Part D plan premium. 37

38 Other important information The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Benefits, formulary, pharmacy network, provider network, premium and/or copayments and coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. Limitations, copayments and restrictions may apply. For details, please call from 8 a.m. to 9 p.m. Eastern time Monday through Friday, with weekend hours Oct. 1 through Feb. 14. TTY users call 711. Eligible beneficiaries must use network pharmacies to access their prescription drug benefit, except under special circumstances, and quantity limitations and restrictions may apply. This presentation may be available in an alternate format. For more information, contact the plan at TTY users call 711. Hours are 8 a.m. to 9 p.m. Eastern time Monday through Friday, with weekend hours Oct. 1 through Feb. 14. The sales agent or other individuals employed by or contracted with Blue Cross Blue Shield of Michigan may be paid based on your enrollment. 38

39 Here s to the remarkable road ahead Questions? 39

Insurance Options Summary

Insurance Options Summary Insurance Options Summary For Public School Retirees Department of Technology, Management & Budget Your Health Plans The Office of Retirement Services strives to be good stewards of your pension and healthcare

More information

UMHS participation in health insurance plans on the Michigan Individual Marketplace and Small Business SHOP

UMHS participation in health insurance plans on the Michigan Individual Marketplace and Small Business SHOP UMHS participation in health insurance plans on the Michigan Individual Marketplace and Small Business SHOP Detailed view Definitions for acronyms are at the end of the document As of 1/13/14 Alliance

More information

Medigap Outline of Coverage for Plans A, D, F, G and N

Medigap Outline of Coverage for Plans A, D, F, G and N Medigap Outline of Coverage for Plans A, D, F, G and N Contents Understanding your premiums... 3 Choosing a plan is easy... 11 Coverage that meets your needs... 12 Learning more about your choices... 20

More information

Making Medicare choices easier. 2015 Plan Information

Making Medicare choices easier. 2015 Plan Information Making Medicare choices easier 2015 Plan Information A health plan that puts you first. With today s complexity and cost of health care, Priority Health is always working to make sure you get the most

More information

Annual Notice of Changes for 2015

Annual Notice of Changes for 2015 Medicare Plus Blue SM PPO - Vitality offered by Blue Cross Blue Shield of Michigan Annual Notice of Changes for 2015 You are currently enrolled as a member of Medicare Plus Blue PPO Vitality. Next year,

More information

Making Medicare choices easier. 2016 Plan information

Making Medicare choices easier. 2016 Plan information Making Medicare choices easier 2016 Plan information 2 Call us toll-free at 877.475.8423, seven days a week from 8 a.m. 8 p.m. TTY users should call 711. A health plan that puts you first With today s

More information

Michigan Local Emergency Managers

Michigan Local Emergency Managers Michigan Local Emergency Managers Contact Information Alcona County Emergency Management 989-736-8185 Bcarr@oscodacountymi.com Alger County Emergency Management 906-387-4444 swebber@algerso.com Allegan

More information

Health Insurance Exchanges:

Health Insurance Exchanges: Health Insurance Exchanges: Implications for Hospitals and Health Systems Lansing, Michigan June 12, 2015 2015 2014 Kaufman, Hall & Associates, Inc. All rights reserved. Appendix: Michigan Public Exchange

More information

Best Practice Tools to Promote Physical Activity and Nutrition and How Michigan Schools Can Acquire Them

Best Practice Tools to Promote Physical Activity and Nutrition and How Michigan Schools Can Acquire Them Best Practice Tools to Promote Physical Activity and Nutrition and How Michigan Schools Can Acquire Them Shoma Pal, MPH MBA Anne Murphy, PhD RD November 4, 2011 Objectives - Blue Cross Blue Shield of Michigan

More information

Hiring Experience A Guide for Employing

Hiring Experience A Guide for Employing Hiring Experience A Guide for Employing A Guide for Employing Mature workers can bring a wealth of knowledge and experience to a work team. A diverse work force is an advantage to any company. Steve Armstrong

More information

Election Cycle Campaign Finance Contribution Limits For State Level Office, Local Level Office, Judicial and Caucus Committee PACs

Election Cycle Campaign Finance Contribution Limits For State Level Office, Local Level Office, Judicial and Caucus Committee PACs Election Cycle Campaign Finance s For State Level Office, Local Level Office, Judicial and Caucus Committee PACs s The Michigan Campaign Finance Act (MCFA) establishes contribution limits for publicly

More information

Michigan Nursing Home Abuse Resources. Nursing home abuse involving Michigan nursing homes should be reported.

Michigan Nursing Home Abuse Resources. Nursing home abuse involving Michigan nursing homes should be reported. Michigan Nursing Home Abuse Resources Nursing home abuse involving Michigan nursing homes should be reported. Below are the names of state officials to whom you may report nursing home abuse or neglect.

More information

AN INTRODUCTION TO MEDICAID

AN INTRODUCTION TO MEDICAID Originally printed in Michigan Connections March 2001, rev. January 2008 Center for Civil Justice AN INTRODUCTION TO MEDICAID What is Medicaid? Medicaid is a joint, federal-state program that provides

More information

Powering Michigan Agriculture with Renewable Energy Conference East Lansing, MI

Powering Michigan Agriculture with Renewable Energy Conference East Lansing, MI Powering Michigan Agriculture with Renewable Energy Conference East Lansing, MI 03-10-2016 Purpose Program is designed to promote renewable energy development and energy efficiency for Agricultural Producers

More information

Highlights of MCIR version 7

Highlights of MCIR version 7 Highlights of MCIR version 7 MCIR Home Screen All users will notice newly organized menus. All types of reports (Reminder/Recall, Import/Export, Profile, Batch, etc.) are now accessed under the Reports

More information

State Bar of Michigan

State Bar of Michigan State Bar of Michigan 2014 Economics of Law Practice Attorney Income and Billing Rate Summary Report July 2014 Contents Economics of Law Practice in Michigan 2014 Attorney Income and Billing Rate Summary

More information

Michigan* Initiatives. Area. Seasonal monthly declines. ranks. ng changes in. consistent picture. rates. higher over Despite thesee.

Michigan* Initiatives. Area. Seasonal monthly declines. ranks. ng changes in. consistent picture. rates. higher over Despite thesee. Jobless Rates Increase over Month as Employment Falls Seasonally January 24 th, 2013 Seasonal payroll job and employmentt reductions across most industries locally pushedd jobless rates higher over the

More information

Michigan Adoption and Foster Care Agencies by County

Michigan Adoption and Foster Care Agencies by County Michigan Adoption and Foster Care Agencies by County indicates agencies located in this county A full listing of agencies that focus on Infant and International adoptions, along with Department of Human

More information

Administrative Reforms Implemented in 2011 January 2012 CRAM Survey

Administrative Reforms Implemented in 2011 January 2012 CRAM Survey Alcona Alger Allegan Alpena Antrim Arenac We have a defined contribution plan, 457 plan, no defined benefit or retiree health care. We have less full time employees and more temporary workers We reduced

More information

2010 Economics of Law Practice Attorney Income and Billing Rate Summary Report

2010 Economics of Law Practice Attorney Income and Billing Rate Summary Report State Bar of Michigan 2010 Economics of Law Practice Attorney Income and Billing Rate Summary Report January 2011 Exhibit 1 Table of Exhibits I 2010 Attorney Income Exhibit 1 2010 Estimated Attorney Income

More information

2013 Rankings Michigan

2013 Rankings Michigan 2013 Rankings Michigan Introduction Where we live matters to our health. The health of a community depends on many different factors, including the environment, education and jobs, access to and quality

More information

2014 Rankings. Michigan

2014 Rankings. Michigan 2014 Rankings Michigan INSIDE FRONT COVER INTENTIONALLY BLANK INTRODUCTION The County Health Rankings & Roadmaps program helps communities identify and implement solutions that make it easier for people

More information

MEDICAID MENTAL HEALTH AND SUBSTANCE ABUSE SERVICES SPECIALTY SERVICES WAIVER

MEDICAID MENTAL HEALTH AND SUBSTANCE ABUSE SERVICES SPECIALTY SERVICES WAIVER MEDICAID MENTAL HEALTH AND SUBSTANCE ABUSE SERVICES SPECIALTY SERVICES WAIVER If you have mild or moderate mental health needs such as depression or anxiety, you will receive medically necessary mental

More information

Best Practice Standard Reports and Enterprise Reporting

Best Practice Standard Reports and Enterprise Reporting Best Practice Standard Reports and Enterprise Reporting Enterprise Reporting Scott Baumann, Spectrum Health Scott Carter, LifePoint Hospitals CONFIDENTIAL PROPERTY OF MEDASSETS. MedAssets is a registered

More information

2015 Veterans' Representatives

2015 Veterans' Representatives 2015 Veterans' Representatives District/Counties/Region MRS Veteran Representative Address & Ann Arbor District Region 9 Washtenaw, Jackson, Livingston, Lenawee, Hillsdale Toni Jordan JordanT8@michigan.gov

More information

Committed to the Future of Rural Communities. Rural Development Loan & Grant Programs Available in Michigan

Committed to the Future of Rural Communities. Rural Development Loan & Grant Programs Available in Michigan Committed to the Future of Rural Communities Rural Development Loan & Programs Available in Michigan February 2009 Housing Program www.rurdev.usda.gov/rhs/index.html Single Family Home Ownership Loans

More information

Medicare Advantage Plans

Medicare Advantage Plans HAP is here to help 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 at: (800)

More information

Agreement and Hold Harmless For Use of State Bar of Michigan Mailing List

Agreement and Hold Harmless For Use of State Bar of Michigan Mailing List Michael Franck Building 306 Townsend Street Lansing, MI 48933 Agreement and Hold Harmless For Use of State Bar of Michigan Mailing List This Agreement and Hold Harmless For Use of State Bar of Michigan

More information

Take charge of your health.

Take charge of your health. Take charge of your health. Choose Aetna, Choose Affordable Coverage The information you need to choose quality and affordable health benefits and insurance coverage. 63.43.300.1 (1/11) LEARN ABOUT YOUR

More information

Homeowners Insurance. Homeowners Insurance

Homeowners Insurance. Homeowners Insurance Homeowners Insurance A home is usually a person s most expensive possession. Protecting it and what s in it is extremely important. Whether you own your home or rent a place to live, you ll need to purchase

More information

Summary of Benefits JANUARY 1 THROUGH DECEMBER 31, 2015. HealthPlus MedicarePlus Essential HealthPlus MedicarePlus Classic CMS Contract #H1595

Summary of Benefits JANUARY 1 THROUGH DECEMBER 31, 2015. HealthPlus MedicarePlus Essential HealthPlus MedicarePlus Classic CMS Contract #H1595 Summary of Benefits JANUARY 1 THROUGH DECEMBER 31, 2015 HealthPlus MedicarePlus Essential HealthPlus MedicarePlus Classic CMS Contract #H1595 For Medicare-eligible beneficiaries residing in Arenac, Bay,

More information

Domestic Animals: Biting and Being Bitten

Domestic Animals: Biting and Being Bitten Domestic Animals: Biting and Being Bitten Nancy Frank, DVM, MPH Michigan Department of Agriculture Animal Industry Division Michigan Rabies Conference April 24, 2006 Michigan Department of Agriculture

More information

Homeowners Insurance

Homeowners Insurance A home is usually a person s most expensive possession. Protecting it and what s in it is extremely important. Whether you own your home or rent a place to live, you ll need to purchase insurance. The

More information

THAT S RIGHT FOR YOU PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. FIND THE PLAN CORE CHOICE

THAT S RIGHT FOR YOU PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. FIND THE PLAN CORE CHOICE 2016 PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. OPTIONS YOU WANT Platinum Blue can help pay the deductibles, copayments and coinsurance Original

More information

MI Choice Waiver Program and Waiver Agents

MI Choice Waiver Program and Waiver Agents MI Choice Waiver Program and Waiver Agents The MI Choice Waiver Program began in 1992 as the Home and Community Based Services for the Elderly and Disabled (HCBS/ED) waiver program run by Michigan Medicaid.

More information

TO REGISTER TO VOTE IN MICHIGAN YOU MUST BE:

TO REGISTER TO VOTE IN MICHIGAN YOU MUST BE: Michigan Voter Registration Application and Michigan Driver License/Personal Identification Card Address Change Form -- Instructions and Special Notices -- TO REGISTER TO VOTE IN MICHIGAN YOU MUST BE:

More information

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits Making the Most of Medicare An Easy Guide to Getting More from Your Benefits Making the Most of Medicare Those who have Medicare or are aging into the program have many choices in today s health care environment.

More information

Procurement for Managed Care in Publicly Funded Health Care Programs: A Primer

Procurement for Managed Care in Publicly Funded Health Care Programs: A Primer Procurement for Managed Care in Publicly Funded Health Care Programs: A Primer PREPARED FOR MICHIGAN ASSOCIATION OF HEALTH PLANS Introduction The State of Michigan has long relied upon a Medicaid delivery

More information

FY 2015 Traffic Enforcement Plan

FY 2015 Traffic Enforcement Plan FY 2015 Traffic Enforcement Plan June 2014 BACKGROUND Ongoing enforcement programs to reduce fatal and serious crash injuries and increase seat belt use have proven successful in Michigan. Alcohol-involved

More information

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org GROUP MEDICARE PLANS GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS 2016 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org Coverage You Know and Trust If you ve worked with Health Alliance

More information

Auto Crash Statistics

Auto Crash Statistics 2003-2012 Michigan Traffic Crashes Year Crashes Fatal Crashes Persons Killed Injuries 2003 391,486 1,172 1,283 105,555 2004 373,028 1,055 1,159 99,680 2005 350,838 1,030 1,129 90,510 2006 315,322 1,002

More information

Methamphetamine Reporting Act Michigan State Police Methamphetamine Investigation Team

Methamphetamine Reporting Act Michigan State Police Methamphetamine Investigation Team Methamphetamine Reporting Act Michigan State Police Methamphetamine Investigation Team Introduction This report is pursuant to MCL 28.193 which requires the Michigan State Police to report to the Michigan

More information

2016 County Health Rankings. Michigan

2016 County Health Rankings. Michigan 2016 County Health Rankings Michigan INTRODUCTION The County Health Rankings & Roadmaps program brings actionable data and strategies to communities to make it easier for people to be healthy in their

More information

MICHIGAN DEPARTMENT OF COMMUNITY HEALTH CERTIFICATE OF NEED (CON) REVIEW STANDARDS FOR POSITRON EMISSION TOMOGRAPHY (PET) SCANNER SERVICES

MICHIGAN DEPARTMENT OF COMMUNITY HEALTH CERTIFICATE OF NEED (CON) REVIEW STANDARDS FOR POSITRON EMISSION TOMOGRAPHY (PET) SCANNER SERVICES 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 MICHIGAN DEPARTMENT OF COMMUNITY HEALTH CERTIFICATE

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

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association DECISION GUIDE 2015 Medicare Advantage PPO Plans BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association Y0062_07978 Approved OR PPO 2015 GET STARTED READ.

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

Broadband Infrastructure, Adoption, and Technology Usage in Michigan. First in a Series of Working Reports on the State of Broadband in Michigan

Broadband Infrastructure, Adoption, and Technology Usage in Michigan. First in a Series of Working Reports on the State of Broadband in Michigan Broadband Infrastructure, Adoption, and Technology Usage in Michigan First in a Series of Working Reports on the State of Broadband in Michigan June 2011 Table of Contents Executive Summary... 3 Overview

More information

H9412_14238_8 File and Use 8/31/14

H9412_14238_8 File and Use 8/31/14 Introduction to Summary of s You have choices about how to get your Medicare benefits. One choice is to get your Medicare benefits through Original Medicare (fee-for-service Medicare). Original Medicare

More information

H3954_14238_3 File and Use 8/31/14

H3954_14238_3 File and Use 8/31/14 Introduction to Summary Of s You have choices about how to get your Medicare benefits. One choice is to get your Medicare benefits through Original Medicare (fee-for-service Medicare). Original Medicare

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

Healthy Youth & Healthy Seniors:

Healthy Youth & Healthy Seniors: As a result of a community foundation grant, the Delta County Tobacco An Update from the Council of Michigan Foundations Reduction Coalition has been able to develop and implement an effective and creative

More information

2015 Summary of Benefits Aultimate Plan (HMO-POS) E00060

2015 Summary of Benefits Aultimate Plan (HMO-POS) E00060 2015 Summary of Benefits Aultimate Plan (HMO-POS) E00060 H3664_E00060SB_15 Accepted 08312014 SECTION I - INTRODUCTION TO SUMMARY OF BENEFITS You have choices about how to get your Medicare benefits One

More information

Part 3 - What values are new or changed within areas that we already collect for the QI File?

Part 3 - What values are new or changed within areas that we already collect for the QI File? PCE Systems 7/17/2015 Part 3 - What values are new or changed within areas that we already collect for the QI File? Field Name Values PCE Component tes Race Alaskan native American Indian Race/Ethnic Origin

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Premera Blue Cross Medicare Advantage (HMO) offered by Premera Blue Cross Annual Notice of Changes for 2016 You are currently enrolled as a member of Premera Blue Cross Medicare Advantage (HMO). Next year,

More information

Profile of New Degree Seeking Transfer Students Rachael Dykstra September 2015

Profile of New Degree Seeking Transfer Students Rachael Dykstra September 2015 Profile of New Degree Seeking Transfer Students Rachael Dykstra September 2015 A total of 1,808 students entered Grand Valley State University during Fall 2015 as new undergraduate transfer students. This

More information

Independent Health s Medicare Passport Advantage (PPO)

Independent Health s Medicare Passport Advantage (PPO) Independent Health s Medicare Passport Advantage (PPO) (a Medicare Advantage Preferred Provider Organization Option (PPO) offered by INDEPENDENT HEALTH BENEFITS CORPORATION with a Medicare contract) Summary

More 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

2015 Regence Medicare Prescription Drug Plans (PDP)

2015 Regence Medicare Prescription Drug Plans (PDP) VIEW PLA OVER DECISION GUIDE 2015 Regence Medicare Prescription Drug Plans (PDP) Regence BlueShield of Idaho and Regence BlueCross BlueShield of Utah is an Independent Licensee of the Blue Cross and Blue

More information

MICHIGAN PUBLIC SCHOOL EMPLOYEES RETIREMENT SYSTEM

MICHIGAN PUBLIC SCHOOL EMPLOYEES RETIREMENT SYSTEM MICHIGAN PUBLIC SCHOOL EMPLOYEES RETIREMENT SYSTEM 2015 Health Plan Seminar Medicare Plus Blue is a PPO plan with a Medicare contract. Enrollment in Medicare Plus Blue depends on contract renewal. H9572_S_15MPSERSSem

More information

In this item MA includes MAGI-related and SSI-related beneficiaries.

In this item MA includes MAGI-related and SSI-related beneficiaries. BAM 402 1 of 22 BENEFITS DEPARTMENT POLICY Medicaid () General lists of covered services are located at the end of this item; see EXHIBIT I. In this item includes GI-related and SSI-related beneficiaries.

More information

ConnectiCare VIP Medicare Plans. 2015 Guide

ConnectiCare VIP Medicare Plans. 2015 Guide ConnectiCare VIP Medicare Plans 2015 Guide H3528_15_4030_01r1 Accepted 09/03/2014 Table of Contents Understanding Medicare: Your Options 2 Simplify Your Medicare Coverage with a ConnectiCare VIP Medicare

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

CONTENTS. o o o o o o o o o o o o

CONTENTS. o o o o o o o o o o o o CONTENTS o o o o o o o o o o o o What Are Medicare Advantage (MA) Plans? Who Can Join and When? MA Trial Right Special Election Period How MA Plans Work MA Costs Types of Medicare Advantage Plans Rights

More information

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015

How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,

More 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

Annual Notice of Changes for 2014 (This 2014 Annual Notice of Changes is effective October 1, 2013 December 31, 2014.)

Annual Notice of Changes for 2014 (This 2014 Annual Notice of Changes is effective October 1, 2013 December 31, 2014.) Blue Shield 65 Plus (HMO) offered by Blue Shield of California Annual Notice of Changes for 2014 (This 2014 Annual Notice of Changes is effective October 1, 2013 December 31, 2014.) You are currently enrolled

More information

2016 Summary of Benefits

2016 Summary of Benefits 2016 Summary of Benefits Health Net Healthy Heart (HMO) Alameda and Stanislaus counties, CA Benefits effective January 1, 2016 H0562 Health Net of California, Inc. H0562_2016_0171 CMS Accepted 09172015

More information

Coventry Health Care. Medicare Advantage Plans

Coventry Health Care. Medicare Advantage Plans Coventry Health Care Medicare Advantage Plans Y0022_6013_3397_FINAL1 Approved 7/2014 Agenda Aetna and Coventry Health Care Why choose Coventry Health Care What is in the enrollment kit? Do you qualify?

More information

MEDICARE STEP-BY-STEP. A guide to your benefits, choices and next steps.

MEDICARE STEP-BY-STEP. A guide to your benefits, choices and next steps. MEDICARE STEP-BY-STEP A guide to your benefits, choices and next steps. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association. The right Medicare

More information

2016 Summary of Benefits

2016 Summary of Benefits Blue Rx PDP 2016 Summary of Benefits Pennsylvania and West Virginia S5593_15_0270 Accepted SUMMARY OF BENEFITS January 1, 2016 - December 31, 2016 This booklet gives you a summary of what we cover and

More information

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits Making the Most of Medicare An Easy Guide to Getting More from Your Benefits Making the Most of Medicare Those who have Medicare or are aging into the program have many choices in today s health care environment.

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

Your Guide to Choosing a Kaiser Permanente Medicare Health Plan

Your Guide to Choosing a Kaiser Permanente Medicare Health Plan This is an advertisement. Kaiser Permanente Senior Advantage for Federal Members (HMO) Your Guide to Choosing a Kaiser Permanente Medicare Health Plan INCREASE YOUR COVERAGE without increasing your FEHB

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

It s Time for Medicare

It s Time for Medicare It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for

More information

2015 Summary of Benefits

2015 Summary of Benefits 2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3952 Y0041_H3952_KS_15_18734 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how

More information

Hello. Medicare Advantage plans. Overview 2. Plans 3. Timing 6. Tools 7

Hello. Medicare Advantage plans. Overview 2. Plans 3. Timing 6. Tools 7 Hello Advantage At UnitedHealthcare, we want you to get the most from your Medicare coverage. Our simple, all-in-one Medicare Advantage plans are designed to offer you benefits, services and tools to help

More information

Choosing a Medicare Advantage plan you ll be confident in.

Choosing a Medicare Advantage plan you ll be confident in. Choosing a Medicare Advantage plan you ll be confident in. Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Continued enrollment depends on the contract between

More information

Bankruptcy 101 Manual for Michigan Municipalities

Bankruptcy 101 Manual for Michigan Municipalities Better Communities. Better Michigan. Bankruptcy 101 Manual for Michigan Municipalities Bankruptcy 101 Manual for Michigan Municipalities Purpose and limitations of this manual Contents 3 The Basics 6 The

More information

Michigan Department of Community Health

Michigan Department of Community Health Michigan Department of Community Health HIPAA 5010 EDI Companion Guide for ANSI ASC X12N 834 Benefit Enrollment and Maintenance Non-Emergency Medical Transportation (NEMT) Version Date November 30, 2011

More information

THE A,B,C,D S OF MEDICARE

THE A,B,C,D S OF MEDICARE THE A,B,C,D S OF MEDICARE An important resource for understanding your healthcare in retirement What you need to know for 2014 How Medicare works What Medicare covers How much Medicare costs INTRODUCTION

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

WELCOME. We re glad you re here!

WELCOME. We re glad you re here! WELCOME We re glad you re here! Premera Blue Cross Medicare Advantage HMO and HMO-POS Plans This year do what s right for you. Meeting agenda Medicare basics Your Medicare coverage options Premera Blue

More information

2015 Summary of Benefits

2015 Summary of Benefits 2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3909 Y0041_H3909_PC_15_18889 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how

More information

2015 Summary of Benefits

2015 Summary of Benefits 2015 Summary of Benefits Plans 003 and 004 H6298_14_027 accepted Summary of Benefits January 1, 2015 - December 31, 2015 This booklet gives you a summary of what we cover and what you pay. It doesn t list

More information

Evaluation of the Michigan Medical Professional Liability Insurance Market

Evaluation of the Michigan Medical Professional Liability Insurance Market JENNIFER M. GRANHOLM GOVERNOR STATE OF MICHIGAN DEPARTMENT OF ENERGY, LABOR & ECONOMIC GROWTH STANLEY "SKIP" PRUSS, DIRECTOR OFFICE OF FINANCIAL AND INSURANCE REGULATION KEN ROSS COMMISSIONER Evaluation

More information

MEDICARE. Understanding the basics of the Medicare Program.

MEDICARE. Understanding the basics of the Medicare Program. MEDICARE 101 Understanding the basics of the Medicare Program. Table of Contents 01. 05. 13. 17. 25. 29. The History of Medicare What is Medicare? Who is Eligible? Medigap Plans Medicare Advantage (MA)

More information

Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare

Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 24 (HMO-POS). Next year, there will

More information

Connect Michigan Cleveland Township Leelanau County Broadband Planning

Connect Michigan Cleveland Township Leelanau County Broadband Planning Connect Michigan Cleveland Township Leelanau Broadband Planning June 23, 2016 1 About Connect Michigan Connect Michigan is a non-profit organization, in partnership with the Michigan Public Service Commission,

More information

U-M Premier Care Member Handbook. with your Benefit Document and Amendments

U-M Premier Care Member Handbook. with your Benefit Document and Amendments U-M Premier Care Member Handbook with your Benefit Document and Amendments Contents.U-M Premier Care Quick Guide... 1. Your primary care physician... 1. Your plan details... 2. What you pay for services...

More information

US Airways Medicare Options US Trust 2015 Benefits Guide

US Airways Medicare Options US Trust 2015 Benefits Guide US Airways Medicare Options US Trust 2015 Benefits Guide Welcome to the 2015 Medicare Options US Trust Retiree Benefit Plans This guide includes detailed information regarding the benefit options available

More information

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc.

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Piedmont WellStar Medicare Choice HMO.

More information

State Teachers Retirement System of Ohio Health Care Program Highlights for 2017

State Teachers Retirement System of Ohio Health Care Program Highlights for 2017 Welcome to the Health Care Program Highlights presentation. This presentation will provide health care open enrollment information for Medicare enrollees. The open enrollment period for the STRS Ohio Health

More information

2016 Guide to Understanding Your Benefits

2016 Guide to Understanding Your Benefits 2016 Guide to Understanding Your Benefits Additional information about covered benefits available from Health Net Ruby Select (HMO) Plan San Francisco, County CA Lisa Pasillas-Le, Health Net We re part

More information

U-M Premier Care Member Handbook. with your Benefit Document and Amendments

U-M Premier Care Member Handbook. with your Benefit Document and Amendments U-M Premier Care Member Handbook with your Benefit Document and Amendments Contents.U-M Premier Care Quick Guide... 1. Your primary care physician... 1. Your plan details... 2. What you pay for services...

More information

Your Guide. to Choosing a Kaiser Permanente MEDICARE Health Plan. INCREASE YOUR COVERAGE without increasing your FEHB monthly premium.

Your Guide. to Choosing a Kaiser Permanente MEDICARE Health Plan. INCREASE YOUR COVERAGE without increasing your FEHB monthly premium. This is an advertisement. Kaiser Permanente Senior Advantage for Federal Members (HMO) Your Guide to Choosing a Kaiser Permanente MEDICARE Health Plan INCREASE YOUR COVERAGE without increasing your FEHB

More information

2016 Summary of Benefits

2016 Summary of Benefits 2016 Summary of Benefits Health Net Violet Option 3 (PPO) Douglas and Josephine counties, OR Benefits effective January 1, 2016 H5520 Health Net Life Insurance Company H5520_2016_0202 CMS Accepted 09162015

More information

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 25 (HMO-POS). Next year, there will

More information

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program) 2015 Napa County Medicare Advantage Plans (Medicare Part C Plans) HICAP Volunteer Counselors are available to help compare health plans in an objective and unbiased manner. They can help consumers understand

More information