1 CHAPTER 1 Health Care Data Introduction...1 People and Health Care...2 Recipients/Users/Patients...2 Providers...3 Health Care Language...4 Diagnoses...4 Treatment Protocols...5 Combinations of Diagnoses and Treatments...5 Types of Administrative Files...5 HCFA Pharmacy...6 UB Claims and Encounters...7 Conclusion...8 Introduction From birth certificate until death certificate, a person accumulates health care data. Each time a person has contact with a health care professional some type of record is produced, be it paper, electronic, or both. In one year, a normal healthy American may visit the dentist twice, see a doctor for a wellness visit, call a physician for a bad cold, and refill a dozen allergy prescriptions. Each one of these encounters becomes a part of the many records stored somewhere in the archives of health care data. Much of the data is merely entered into a computer system so that the provider can receive payment, and then the data are added to a massive warehouse. Each one of these records can provide insight not only into an individual's well-being but may, in fact, affect health care across similar groups based on age, gender, or location, and provide an analytic base to determine insurance rates, study disease trends, and modify treatment protocols. This administrative type of information claims and encounter, eligibility and enrollment is still vastly underused. This is due in part to the massive amounts of administrative data, in part to their complexity, and in part to their misuse in the past. Studies of this type of data are only now beginning to receive proper time and attention. The process of converting health care data into useful information is the focus of this book. Where does one begin to learn about and work with these data?
2 2 Health Care Data and the SAS System Analysis of health care data without an awareness of the accompanying peculiarities, eccentricities, and limitations is risky business. A possibility always exists for variability and discontinuities in medical coding practices and in personal, demographic, time, and place variables. This is further complicated by the passage of time, by regional variances, by similarities and differences within and among demographic groups, and by vast numbers of treatment protocols and practices. Still, there are some basic clues that help solve the puzzle. In a perfect world, accurate, standardized health care information would flow freely among patients, providers, and payers. Health care administrators, planners, researchers, and reviewers would have quick and easy access to the data necessary for their activities. Instead, health care data are collected and delivered in diverse formats, most without common identifiers. It would seem an easy task to identify each person or group with a unique code. Unfortunately, there is no one identification system either within or across recipients, providers, or facilities. Each payer organization has developed unique forms of coding. Therefore, it is difficult to link across databases, across time, and across treatment sources. This problem is faced regularly in the health care industry. Health care data are necessary for many activities, such as studying disease patterns, analyzing treatment trends, and setting payment rates. Health care data files are large, cumbersome, and complex, but none of these problems is insurmountable. This book illustrates ways that you can use SAS to perform some of these activities. People and Health Care People can receive or provide health care. It is important to have a basic understanding of the similarities and differences between and among the receivers and providers of health care. This book discusses the different types of folks involved in or affected by health care. The people who receive care are called recipients, users, or patients. Providers of care can be individual practitioners, groups of caregivers (e.g., health maintenance organizations, or HMOs), or institutional facilities. Recipients/Users/Patients Throughout a person's life, data are being collected about health care and related costs. Over the lifetime of a typical individual, health care administrative records are created from enrollment into a selected coverage system to conditions serviced by various providers either within or outside that system. These conditions include both preventive care and treatment of illness or injury.
3 Chapter 1: Health Care Data 3 It is easy to follow the path of life from birth through death shown in Figure 1.1: Figure 1.1: Life Pathway Birth Senior Years Childhood Preschool age School age Adolescent Teenager Young adult Adulthood Childbearing Wage earning Retirement Assisted living Death Throughout the continuum of life, the type and level of care vary dramatically. For example, people at all ages need some type of prevention and wellness care. Preventive immunizations are found throughout childhood but may be targeted to only specific age and functional groups in adulthood. Health care workers and international travelers receive vaccinations for illnesses not often encountered by others. Acute care hospital services can be provided to people across all ages and sexes, dependent on need. Chronic care, long-term care, and hospice care services increase as a person ages but cannot be excluded from any age group. Birth data are specific to a newborn; this is probably the only category that has no exceptions. Criteria can be set to study specific groups (e.g., pregnancy for women ages 15 44), but the possibility of either younger or older outliers cannot be excluded. Understanding the common occurrences for specific age/gender groupings can help move forward the validation of administrative data sets. Providers Thus far, the discussion has centered on the recipients of health care. Consideration must also be given to the variety of those providing health care services. Providers may be individuals, groups of practitioners, or institutions and facilities. Each provider group may have its own method of collecting, coding, storing, and sharing data.
4 4 Health Care Data and the SAS System Physicians can service genders, all age groups, and all conditions in various places of service. In order to clearly define the physician, the patient, and the treatment, complex coding schemes have been developed. Dentists have various coding methods to identify exactly which tooth and what specific tooth surface was treated. Pharmacists have methods of collecting information on each individual prescription, including the type of drug, the quantity, costs, and co-payments. Other health care professionals, nurses, home health workers, social workers, suppliers of medical equipment, and ambulance companies also have their own terminology. Therefore, coding schemes are complicated and require unique identifiers. Facilities may include: inpatient hospitals providing acute care chronic, rehabilitative, and psychiatric centers providing long-term care services to sicker patients nursing homes providing full-time care to patients unable to care for themselves As the facilities are varied, so facility data are voluminous, complex, and often difficult to analyze. Each individual facility may have a specific set of standards and practices to define collection and storage of data. Information on surgery performed in an acute care hospital is quite different from the information collected on the care of an Alzheimer's patient in a skilled nursing facility (SNF). Most of these facilities likely have different storage and reporting formats. Add to this the various claims and utilization reporting requirements among federal and state agencies and third party payers, and the problems and complexities grow. Health Care Language Every community has its own language, its own dialect. The health care industry has a very special style and jargon. There are hundreds of acronyms; just read the proceedings of a meeting of health care administrators or policy analysts and the mind boggles. Moreover, there are codes, codes, and more codes. Luckily, many of these coding systems are centrally organized and well documented. The trick is to know where to find the meaning of the codes and when clinical expertise is needed for correct interpretation of study results. Diagnoses In order to track a patient's care, it is necessary for a provider to classify his or her condition. The simplest note in a chart indicates whether a person is healthy or unhealthy. This would have been minimal but sufficient information in the past when a single doctor birthed a baby and cared for this person throughout life. In today's society, one person may see a number of practitioners in a short amount of time and the medical chart needs to be verbose.
5 Chapter 1: Health Care Data 5 Lists of diagnoses are not static; new illnesses, accident types, and casualties are discovered or defined each year and, thus, classifications of these data grow. Understanding how to take this diagnostic information and manipulate it to create useful analyses is therefore quite complicated. Treatment Protocols Depending on the diagnosis or lack of diagnosis of a condition, a provider must define a treatment regimen for each patient. In order to receive payment for each service rendered, this treatment must be specific and readily identifiable. In general, the sicker the person is, the more likely these services are complicated and numerous. Additionally, since treatment rarely rests in the hands of only one provider, it is important that this information is readily available to all those caring for the patient. Combinations of Diagnoses and Treatments Studying a population or investigating a particular health care area often requires both diagnostic information and treatment or procedure information. Combining these two related data items may require the assistance of a clinician or epidemiologist who has been trained in this area. Presenting undocumented results may be dangerous. Types of Administrative Files This book covers the three major administrative file types: HCFA-1500 Pharmacy UB-92 All three files include basic and necessary information, but not all file types may contain all information elements. These data include: patient information including name, address, some type of identifier, date of birth, gender, race provider information including name, address, some type of identifier, and data concerning place and type of service billing data including both charges and payments
6 6 Health Care Data and the SAS System HCFA-1500 Health care services provided by single practitioners or practitioner groups are entered on paper forms or in electronic format called HCFA-1500, the Health Insurance Claim Form. This is the common claim form for noninstitutional providers that was developed and is updated by the Health Care Financing Administration (HCFA) and approved by the American Medical Association (AMA) Council on Medical Services. This format clearly identifies the patient, demographic information, payment source, the provider, and the services performed including dates, diagnoses, and type and place of service. Of course, all cost and charges are also included on this form; physicians must be paid! This paper form can then be converted to electronic format, usually storing one service with all accompanying patient and provider data on one record. Pharmacy Each time a prescription is filled, the data are entered into a database. This information is normally entered at the point of service (POS). It usually contains validated values. As a prescription is filled, it is often checked for drug interactions against other drugs that a person may be receiving. A drug record contains the basic information about the recipient, the provider, and the pharmacy, as well as all associated dates. In addition, there are specifics as to the drug, its formularies, the quantity, the packaging, the dosage, and the form. Pharmacy data are relatively simple in format; one record is equal to one prescription. Because the information is entered at POS, the validity checking takes place immediately and additional checks are not normally necessary. There are certain fields that may not be valid and therefore not useful. For example, the prescription date is not always entered into the system, but rather defaults to the date the prescription is actually filled. Because the prescribing provider is often difficult to interpret at the pharmacy, a default provider identification number may be entered. Prescriptions filled by facilities while a person is in an acute care hospital or a nursing home do not in fact create this type of drug record. This information may be included as a line item on the facility's billing form, the UB-92. UB-92 Hospital inpatient and acute care outpatient services are submitted for payments in UB-92 (Uniform Billing) format. This uniform institutional provider bill is used for multiple third-party payers such as Medicaid, Medicare, and commercial insurance. UB-92 format is quite complex and can store vast amounts of data. UB-92 files are further complicated by payments, adjustments, denials, and resubmissions for one recipient's stay. A patient's medical record tracks each procedure, test, prescription, and other service provided during a stay. The UB-92 form and file does not include this specific type of information, but rather rolled-up items with charges and units entered.
7 Chapter 1: Health Care Data 7 Claims and Encounters Access to health care has changed in the last decade of the twentieth century. In the past, payments to providers were simple to calculate. Practitioners were paid for each service that was provided, a practice called fee for service (FFS). Often, these payments were predefined by the payer organization, and fees were stored in a tablelike fee schedule. In order to receive payment, each provider would submit a bill, usually in HCFA-1500 format, for each recipient afforded a service. If the form was not prepared correctly or the data were not valid or complete, the bill was rejected and sent back to the physician's office. Insurance companies and government payers such as Medicaid or Medicare tracked these payments and thus could calculate expenses and count services. Most people covered by FFS-type insurance select a primary care physician who handles preventive care for the patient. This provider then refers the patient for specialty care if necessary. Each service for which a payment is requested creates a claim. One HCFA-1500 service is equal to a claim line. Claims can be analyzed for many pieces of information such as costs of a specific disease or condition or rates of types of services for a particular demographic group. Because a payment is associated with each claim and, therefore, must meet certain standards, the validity and completeness of claims data are usually good. In this new era of providing health care services, many people are assigned or choose care through HMOs or managed care organizations (MCOs). A large proportion of the U.S. population now receives health services from these organizations. Services provided by HMOs or MCOs are not paid in an FFS manner. Whether the person is self-insured or employer insured, the organization is paid a capitated payment. Generally defined, these are fixed payments regardless of services rendered. The payment may be per member per month (PMPM) and not dependent on services rendered. These fees are calculated by a variety of methods including demographic scales and risk-adjusted tables. This is called a capitated payment arrangement. Services provided by HMOs and MCOs in one setting or timeframe are referred to as encounters. These encounters may be submitted to the organizations paying the capitation dollars. Encounter data can be used for further calculation of the capitated rates as well as quality assessment of the providers. Because the costs are not related specifically or directly to the services, it is more difficult to work with encounter data than FFS claims data. The differences between claims and encounters throw an additional monkey wrench into the study of health care. These complexities, matched and merged with all the other variations of the data, create a massive web to unravel in order to create information.
8 8 Health Care Data and the SAS System Conclusion It is easy for the health care analyst to become daunted by the volumes and complexities of data generated over the lifetime of just one individual. The language of health care is, at times, foreign. There are varieties of administrative data to be sifted through, filtering out the mixture of dimensions and facts. The array of data sources originating from and for a multitude of purposes is overwhelming at best. This book provides some insight into health care data and helps with understanding the processes involved. Some of this material is simply background, while other information is included to assist in the actual reading and analysis of electronic sources of data. SAS code is used to demonstrate how to access the data in its basic format and process it through a system of checks and reports to a final endpoint of generated information. For more information about the topics presented in this chapter, see Steinwachs, Weiner, and Shapiro 1995.
Glossary Acute inpatient: A subservice category of the inpatient facility clams that have excluded skilled nursing facilities (SNF), hospice, and ungroupable claims. This subcategory was previously known
professional billing module Professional CMS-1500 Billing Module Coding Requirements...2 Evaluation and Management Services...2 Diagnosis...2 Procedures...2 Basic Rules...3 Before You Begin...3 Modifiers...3
Presented by Terri Gonzalez Director of Practice Improvement North Carolina Medical Society Meaningful Use is using certified EHR technology to: Improve quality, safety, efficiency, and reduce errors Engage
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). Eligibility for this program will be determined
Financial Terminology in Access Management University of Mississippi Medical Center Access Management Patient Access Specialists II As a Patient Access Specialist You are the FIRST STAGE in the Revenue
Maryland Medicaid Program: An Overview Stacey Davis Planning Administration Department of Health and Mental Hygiene May 22, 2007 1 Maryland Medicaid In Maryland, Medicaid is also called Medical Assistance
DENVER HEALTH MEDICAL PLAN, INC. 1500 Claims Processing Manual DHMP Health Insurance Claim Form CMS-1500 Box 1 Medicare, Medicaid, Group Health Plan or other insurance Information Show the type of health
Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your
Understanding Your Health Insurance Plan Slide Catalog for Assisters Updated May 6, 2015 Health Insurance Costs Terms to Know: Premium Premium: The monthly bill you pay to your health insurance company.
Glossary of Health Coverage and Medical Terms This glossary defines many commonly used terms, but isn t a full list. These glossary terms and definitions are intended to be educational and may be different
Regence BlueCross BlueShield of Oregon: Regence Oregon Standard Bronze Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: Beginning on or after 01/01/2014 Coverage
ISSUE DATE April 8, 2011 EFFECTIVE DATE April 8, 2011 MEDICAL ASSISTANCE BULLETIN NUMBER 03-11-01, 09-11-02, 14-11-01, 18-11-01 24-11-03, 27-11-02, 31-11-02, 33-11-02 SUBJECT Electronic Prescribing Internet-based
20 Accepted for processing 066 CLAIM CURRENTLY IN PROCESS. DO NOT RESUBMIT 21 Missing or invalid information 018 REFERRING PHYSICIAN INFORMATION REQUIRED AND NOT PRESENT Referring 21 Missing or invalid
Achieving Meaningful Use Training Manual Terms EP Eligible Professional Medicare Eligible Professional o Doctor of Medicine or Osteopathy o Doctor of Dental Surgery or Dental Medicine o Doctor of Podiatric
Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription
Professional Practice Medical Record Documentation Guidelines INTRODUCTION Consistent and complete documentation in the medical record is an essential component of quality patient care. All Participating
This is a summary of benefits for your Joint Trusteed Health and Welfare Medicare Supplement (Part A & B) plan. Medicare Part D prescription drug plan deductibles, out-of-pocket maximums, copays and annual
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.landoflincolnhealth.org or by calling 1-844-FHN-4YOU.
Glossary of Health Coverage and Medical Terms This glossary defines many commonly used terms, but isn t a full list. These glossary terms and definitions are intended to be educational and may be different
THE BASICS OF RHC BILLING Thursday, April 28, 2011 Presented by: Health Services Associates, Inc. TABLE OF CONTENTS Commercial and Self Pay billing Define RHC Medicaid Specified Medicare RHC billing guidelines
Practice Guidelines 2010 Professional Practice Medical Record Documentation Guidelines Health care benefit programs issued or administered by Capital BlueCross and/or its subsidiaries, Capital Advantage
Update December 2009 No. 2009-96 Affected Programs: BadgerCare Plus, Medicaid To: All Providers, HMOs and Other Managed Care Programs New Substance Abuse Screening and Intervention Benefit Covered by BadgerCare
The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits
HMO-1 Primary Care Physician Visits Office Hours After-Hours/Home Specialty Care Office Visits Diagnostic OP Lab/X Ray Testing (at facility) with PCP referral. Diagnostic OP Lab/X Ray Testing (at specialist)
How Health Reform Will Help Children with Mental Health Needs The new health care reform law, called the Affordable Care Act (or ACA), will give children who have mental health needs better access to the
PLAN FEATURES Deductible (per plan year) $300 Individual $300 Individual None Family None Family All covered expenses, excluding prescription drugs, accumulate toward both the preferred and non-preferred
Meaningful Use Qualification Plan Overview Certified EHR technology used in a meaningful way is one piece of a broader Health Information Technology infrastructure intended to reform the health care system
: MyPriority POS RxPlus Silver 1800 Coverage Period: Beginning on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Subscriber/Dependent Plan Type:
S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/14-6/30/15 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations
Multiple sclerosis and health insurance: How to choose a plan that is right for you What are the different types of health insurance? Choosing a health insurance plan is important, especially if you have
Healthy Michigan MEMBER HANDBOOK 2014 The new name for Healthy 1 TABLE OF CONTENTS WELCOME TO HARBOR HEALTH PLAN.... 2 Who Is Harbor Health Plan?...3 How Do I Reach Member Services?...3 Is There A Website?....
BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at
Regence BlueCross BlueShield of Oregon: Preferred Coverage Period: 08/15/2015-08/14/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible Family
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.
CHAPTER 9 THIRD PARTY LIABILITY AND COORDINATION OF BENEFITS 9.0 -THIRD PARTY LIABILITY AND COORDINATION OF BENEFITS DETERMINING OTHER HEALTH INSURANCE COVERAGE Behavioral health/integrated care providers
health insurance Why It s Important & What You Need to Know HEALTH INSURANCE: WHY IT S IMPORTANT & WHAT YOU NEED TO KNOW Worry Less: Protect Your Health and Your Wallet No one plans to get sick or hurt,
health insurance Why It s Important & What You Need to Know If you do not have health insurance: Fixing a broken arm can cost up to $7,500 The average cost of a 3-day hospital stay is around Worry Less:
Formulary Management Formulary management is an integrated patient care process which enables physicians, pharmacists and other health care professionals to work together to promote clinically sound, cost-effective
info sheet Medicare is the basic federal health insurance for older persons and for younger people with disabilities. Because Medicare has gaps in coverage, many people also buy a Medigap policy to supplement
Medicare observation services cannot exceed 48 hours. Typically a decision to discharge or admit is made within 24 hours. Medicaid allows up to 48 hours. Private Insurances may vary but most permit only
Incentives to Accelerate EHR Adoption The passage of the American Recovery and Reinvestment Act (ARRA) of 2009 provides incentives for eligible professionals (EPs) to adopt and use electronic health records
Texas Mandated Benefit Cost and Utilization Summary Report October 2005 - September 2006 Reporting Period Texas Department of Insurance Table of Contents Executive Summary.. 1 Survey Overview..... 5 Legislation...........
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO What is the overall deductible? This is only a summary. If you want more details about
S c h o o l s I n s u r a n c e G r o u p Health Net Plan Comparison Fiscal Year 7/1/15-6/30/16 This information sheet is for reference only. Please refer to Evidence of Coverage requirements, limitations
or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and
Use and Integration of Freely Available U.S. Public Use Files to Answer Pharmacoeconomic Questions: Deciphering the Alphabet Soup Prepared by Ovation Research Group for the National Library of Medicine
INSIGHT on the Issues AARP Public Policy Institute Medicare Beneficiaries Out-of-Pocket for Health Care Claire Noel-Miller, PhD AARP Public Policy Institute Medicare beneficiaries spent a median of $3,138
. Chapter Funding for Treatment of Hearing Impairments Chapter 5 Funding for Treatment of Hearing Impairments Hearing services and devices are paid for directly by hearing impaired people or by private
Meaningful Use Criteria for Eligible and Eligible Professionals (EPs) Under the Electronic Health Record (EHR) meaningful use final rules established by the Centers for Medicare and Medicaid Services (CMS),
Billing & Reimbursement Revenue Cycle Management HOW TO PREVENT AND MANAGE MEDICAL CLAIM DENIALS TO INCREASE REVENUE Billing and Reimbursement for Physician Offices, Ambulatory Surgery Centers and Hospitals
Patient Education Page 18-1 For a kidney/pancreas transplant Kidney and pancreas transplants are expensive. Planning your finances, both your income and insurance, will be a key part of planning for transplant.
What is Home Care Case Management? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Case Management: What is it why is it important? While different approaches to healthcare today are
Schedule of Benefits Summary University Name: University of Nebraska - Student Plan Health Plan : 2014/2015 Academic Year (see attached) Payment for Services Covered Services are reimbursed based on the
Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules
Insight on the Issues OCTOBER 2015 Beneficiaries Out-of-Pocket Spending for Health Care Claire Noel-Miller, MPA, PhD AARP Public Policy Institute Half of all beneficiaries in the fee-for-service program
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bbsionline.com or by calling 1-866-927-2200. Important
More value Thank you for considering KPS KPS Health Plans was established in Bremerton, Washington in 1946. We are a Washington state nonprofit health care service contractor offering preferred provider
CCPS Insurance Benefits For Employees 2015 C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CHESTERFIELD COUNTY PUBLIC SCHOOLS BENEFITS DEPARTMENT Enrollment or Changes in Coverage 748-1226,
Guide to Choosing Medicare Supplement Coverage Medicare Health Care A User Guide for Medicare Supplement Coverage 946022 (03/02) - PDF Front Cover p1 First Things First Why Buy Medicare Supplement Coverage
6 The Collaborative Models of Mental Health Care for Older Iowans Model Administration Collaborative Models of Mental Health Care for Older Iowans 97 Collaborative Models of Mental Health Care for Older
B. Clinical Data Management The purpose of the applications of this group is to support the clinical needs of care providers including maintaining accurate medical records. Ideally, a clinical data management
http://www.naic.org/ FUNDAMENTALS OF HEALTH INSURANCE: PURPOSE The purpose of this session is to acquaint the participants with the basic principles of health insurance, areas of health insurance regulation
: VIVA HEALTH Access Plan Coverage Period: 01/01/2015 12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document
UB-04 Claim Form Instructions FORM LOCATOR NAME 1. Billing Provider Name & Address INSTRUCTIONS Enter the name and address of the hospital/facility submitting the claim. 2. Pay to Address Pay to address
Whitepaper Meaningful Use Stage 1: EHR Incentive Program Information -------------------------------------------------------------- Daw Systems, Inc. UPDATED: November 2012 This document is designed to
JOHN HANCOCK LIFE INSURANCE COMPANY Group Long-Term Care PO Box 111, Boston, MA 02117 Tel. No. 1-800-711-9407 (from within the United States) TTY 1-800-255-1808 for hearing impaired 1-617-572-0048 (from
Coverage Basics Your Guide to Understanding Medicare and Medicaid Understanding your Medicare or Medicaid coverage can be one of the most challenging and sometimes confusing aspects of planning your stay
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.uhs.wisc.edu/ship or by calling 1-866-796-7899. Important
Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual &
good health FALL 2015 YOUR FAST TRACK TO LIVING WELL Stay Healthy Screenings you and your family need In the Know Protect yourself against health care fraud www.aultcare.com TELL US HOW WE ARE DOING Whether
your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing
Health Insurance / Learning Targets Compare the basic principles of at least four different health insurance plans Define key terms pertaining to health insurance Health Insurance I have a hospital bill
: SAIF Corporation All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest Coverage Period: January 1, 2016-December 31, 2016 Summary of Benefits and Coverage: What this Plan
Department of Health Services Behavioral Health Integrated Care Health Home Certification Application (Langlade, Lincoln, and Marathon Counties) December 18, 2013 1 Behavioral Health Integrated Care Health
Benefit Summary - A, G, C, E, Y, J and M Benefit Year: Calendar Year Payment for Services Deductible Individual $600 $1,200 Family (Embedded*) $1,200 $2,400 Coinsurance (the percentage amount the Covered
CIS - Plan V E PPP RX4 with Alternative Care Summary of Benefits and Coverage: What this Plan Covers & What it Costs City of Tigard Insurance Summary Management 2015: Page 1 Coverage Period: 01/01/2015-12/31/2015
Understanding Health Insurance Health insurance can play an important role when it comes to medical bills and prescription medications it can help protect you from high expenses. There are many types of
A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA Published by the Arizona Department of Insurance Janet Napolitano, Governor Charles R. Cohen, Director of Insurance August 2003 1 Table of Contents