CalPERS Reference Pricing Program for Hip or Knee Replacement. David Cowling, PhD Chief, Center for Innovation CalPERS
|
|
|
- Kelly Reeves
- 10 years ago
- Views:
Transcription
1 CalPERS Reference Pricing Program for Hip or Knee Replacement David Cowling, PhD Chief, Center for Innovation CalPERS
2 About CalPERS Health plan benefits for 1.38 million members State of California and more than 1,200 public agencies and schools Spend $7.5 billion annual expenditures About 1/3rd of Basic Health Plan members in one of three self-funded Preferred Provider Organizations CalPERS Health Care Decision Support System 10 years of data and almost1 Billion records Hosted and managed by Truven Health Analytics Includes Health and Drug Claims, Eligibility, Premiums, Disease Management, Lab Results (partial), Biometric (partial) and Capitation (partial) Allows assessment of cost, utilization and health outcomes
3 HOW DID CalPERS DECIDE TO START A HIP AND KNEE REFERENCE BASED PRICING PROGRAM? A TALE OF TWO STUDIES
4 Two studies done Background Similar but different in focus Study on population health using data warehouse Identified cost drivers and sub-categories Study on cost variation using data warehouse Focused on regional variation in the big cost driver areas Different missions but complementary
5 CalPERS cost drivers Muscle/Bone Disorders highest at 13% of costs Osteoarthritis approximately one third of total musculoskeletal costs Cardiovascular Disease, 3% Nervous System Disorders, 4% Diabetes, 3% Coronary Artery Disease, 3% All Other, 28% Osteoarthritis, 4% Low Back Disorders, 2% Injuries, 5% Pregnancy Delivery Newborns, 5% Muscle/Bone Disorders, 13% Joint Disorders NEC, 1% Fracture/Dislocation Upper Extremity, 1% Digestive System Disorders, 8% Cancer Benign Tumors, 12% All Other Musculoskeletal, 5% Infections, 8% Preventive Screening Tests, 10% Source: CalPERS, Fracture/Dislocation Hip, 1%
6 Studies conclusions Osteoarthritis is a cost driver Hip and knee replacements account for about 1/3 rd of cost Deeper analysis showed Osteoarthritis had highest annual cost increase for 2005 to 2008 (39%) Nearly all osteoarthritis costs occurred in members over 40 Wide treatment cost variations within regions Hospital cost and utilization are not linked to quality or evidence-based outcomes
7 REFERENCE BASED PRICING PROGRAM
8 Hip or Knee replacement and reference based pricing Reference Pricing is a benefit design element Similar to reverse deductible with insurer paying the first part of total allowed charge and enrollee pays the remainder Price transparency to enrollee What makes a hip or knee procedure a good candidate for reference based pricing program? Variation in cost in same markets without a difference in quality Procedures can be scheduled (elective, non-emergency) Preference sensitive - patient can decide where, when, and how they want the procedures to occur Procedures are performed in sufficient volume at designated facilities
9 Description of program CalPERS and Anthem Blue Cross of California Reference based purchasing program for total knee replacement & total hip replacement 46 facilities met quality, cost and geographic requirements Volume requirement of 10 replacements in each category in previous 18 months Designated facilities had better quality results than overall Examined Surgical Infection Prevention Data submitted to the Joint Commission as well as Wellpoint s proprietary hospital performance scoring methodology Threshold facility payment of $30,000 for routine single knee and hip joint replacement hospital stays Started January 1, 2011 Outreach with providers and orthopedists Members received a letter describing the program and a brochure listing all 46 designated facilities in California Information on pre-certification letter
10 Why choose $30,000 for allowed charges? High volume, high quality facilities with geographic dispersion were charging less than $30,000 95% percentile $74,721 5% percentile $12,588 $30,000 Source: University of California, Berkeley analysis, June Data for 2008 to 2010.
11 EVALUATION RESULTS OF PROGRAM -- TALE OF TWO MORE STUDIES
12 Quality and cost savings Value based purchasing design facilities had: A significantly lower general complication rate in 30 days A significantly lower 30-day general infection rate Similar follow-up admission rates Patient experience part of study still finishing up Program credited with cumulative savings of $5.5M over first two years Average hip/knee replacement price charged declined 26% or over $9,000 per procedure
13 Allowed charges for the hip or knee replacement pre- and postimplementation of value based purchasing design program 95% percentile Pre -- $74,721 Post -- $40,302 Pre-Implementation $30,000 Post-Implementation Source: University of California, Berkeley analysis, June Pre-implementation data for 2008 to 2010 and postimplementation data for
14 Average prices charged for knee or hip replacement surgery by facility type, $45,000 PERS Non-VBPD $40,000 Non-PERS Non-VBPD $35,000 $30,000 $25,000 $20,000 $15,000 PERS VBPD Non-PERS VBPD VBPD program implemented * Source: University of California, Berkeley analysis, June *Through September 2012 only. VBPD: Value Based Purchasing Design facility
15 CONCLUSION AND CONSIDERATIONS
16 Conclusions and implications of the cost and quality studies A hospital market story and a consumer enrollee story Reference pricing induced enrollees to use lower-priced facilities but the bigger effect on hospital prices Expansion of participating hospitals from 46 to 61 Clinical quality improved for members as whole
17 Reference pricing expansion CalPERS has expanded reference to inpatient procedures for cataract surgery, colonoscopy, arthroscopy Key consideration checklist Regional cost variation and variation within region Ambulatory surgical centers had substantial lower costs than inpatient facilities Volume and focus may increase quality Evidence that ambulatory surgical centers had as good or better quality from literature Can be scheduled Substantial cost
18 Considerations for reference pricing expansion Other procedures meet various criteria but difficult for CalPERS to implement Spinal fusion/lower back disorders Other potential areas include Various diagnostic imaging A deeper study of price variation Improve consumer education/engagement Targeted information
19 QUESTIONS
Operating Engineers Public Employees Health and Welfare Trust Fund Plan D vs PERS CHOICE and PERS SELECT PPO Plan
Calendar Year Deductible $500 Individual / $1,000 Family per calendar year Does not apply to PPO physician office visits, PPO preventive care or hospital emergency room charges for an emergency medical
KAISER PERMANENTE PLAN (Non-Medicare Eligible)
CEMENT MASONS HEALTH AND WELFARE TRUST FUND FOR NORTHERN CALIFORNIA RETIRED CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE JANUARY 1, 2015 GENERAL When You Can Change Plans Type of Plan, Service
When You Can Change Plans. Care is provided through physicians or medical staff at a Kaiser Permanente facility located in the member's service area.
CEMENT MASONS HEALTH AND WELFARE TRUST FUND ACTIVE CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE FEBRUARY 1, 2013 PLAN FEATURES DIRECT PAYMENT PLAN KAISER PERMANENTE When You Can Change Plans Type
Comparing the Effects of Two Valued-Based Purchasing Health Insurance Benefit Programs Hui Zhang, Ph.D. David Cowling, Ph.D. Matthew Facer, Ph.D.
Comparing the Effects of Two Valued-Based Purchasing Health Insurance Benefit Programs Hui Zhang, Ph.D. David Cowling, Ph.D. Matthew Facer, Ph.D. Center for Innovation California Public Employees Retirement
Overview of Outpatient Care Settings and Ambulatory Surgery Centers
Overview of Outpatient Care Settings and Ambulatory Surgery Centers Agency for Health Care Administration Molly McKinstry, Deputy Secretary Health Quality Assurance Surgical Settings Ambulatory Surgery
Using Medicare Hospitalization Information and the MedPAR. Beth Virnig, Ph.D. Associate Dean for Research and Professor University of Minnesota
Using Medicare Hospitalization Information and the MedPAR Beth Virnig, Ph.D. Associate Dean for Research and Professor University of Minnesota MedPAR Medicare Provider Analysis and Review Includes information
$25 copay. One routine GYN visit and pap smear per 365 days. Direct access to participating providers.
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)
OFFICE OF GROUP BENEFITS 2014 OFFICE OF GROUP BENEFITS CDHP PLAN FOR STATE OF LOUISIANA EMPLOYEES AND RETIREES PLAN AMENDMENT
OFFICE OF GROUP BENEFITS 2014 OFFICE OF GROUP BENEFITS CDHP PLAN FOR STATE OF LOUISIANA EMPLOYEES AND RETIREES PLAN AMENDMENT This Amendment is issued by the Plan Administrator for the Plan documents listed
Basic Plan. Preferred Provider Organization. Evidence of Coverage. Effective January 1, 2015 December 31, 2015
Basic Plan Preferred Provider Organization Evidence of Coverage Effective January 1, 2015 December 31, 2015 A Self-Funded Plan Administered Under the Public Employees Medical & Hospital Care Act (PEMHCA)
EXPANDING THE EVIDENCE BASE IN OUTCOMES RESEARCH: USING LINKED ELECTRONIC MEDICAL RECORDS (EMR) AND CLAIMS DATA. ISPOR Workshop, May 22, 2013
EXPANDING THE EVIDENCE BASE IN OUTCOMES RESEARCH: USING LINKED ELECTRONIC MEDICAL RECORDS (EMR) AND CLAIMS DATA ISPOR Workshop, May 22, 2013 Agenda Introduction to linked claims-emr database Obesity case
INSURANCE COMPANY OF SCOTT AND WHITE FIXED INDEMNITY BASIC MEDICAL-SURGICAL EXPENSE POLICY REQUIRED OUTLINE OF COVERAGE
INSURANCE COMPANY OF SCOTT AND WHITE FIXED INDEMNITY BASIC MEDICAL-SURGICAL EXPENSE POLICY REQUIRED OUTLINE OF COVERAGE (1) READ YOUR POLICY CAREFULLY. This outline of coverage provides a very brief description
Price Transparency Needs Reference Pricing Needs Bundled Pricing Needs Price Transparency
Price Transparency Needs Reference Pricing Needs Bundled Pricing Needs Price Transparency James C. Robinson Leonard D. Schaeffer Professor of Health Economics Director, Berkeley Center for Health Technology
Welcome MHBP Value Plan Members
Welcome MHBP Value Plan Members Welcome to the Mail Handlers Benefit Plan. We are delighted that you chose to enroll in our newest health plan option. We are proud of our long heritage in serving federal
Major Medical Cover. Assurance Extra
Assurance Extra Major Medical Cover What is Major Medical Cover? Major Medical Cover is an insurance that reimburses you for major medical expenses such as private hospital care or surgery. Why do you
University of California Student Health Insurance Plan (UC SHIP) Student Health Center & Pharmacy (SHC) at UC Irvine (Graduate Students)
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the Benefit Booklet at www.ucop.edu/ucship or by calling 1-866-940-8306. Important Questions
Your Plan: Premier HMO 20/200A/100 OP Your Network: California Care HMO
Your Plan: Premier HMO 20/200A/100 OP Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does not reflect
University of California Student Health Insurance Plan (UC SHIP) Arthur Ashe Student Health & Wellness Center (The Ashe Center)
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the Benefit Booklet at www.ucop.edu/ucship or by calling 1-866-940-8306. Important Questions
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the Benefit Booklet at www.ucop.edu/ucship or by calling 1-866-940-8306. Important Questions
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage Read Your Certificate Carefully This outline of coverage provides
Value-Based Programs. Blue Plans Improving Healthcare Quality and Affordability through Innovative Partnerships with Clinicians
Value-Based Programs Blue Plans Improving Healthcare Quality and Affordability through Innovative Partnerships with Clinicians Issue: U.S. healthcare spending exceeds $2.8 trillion annually. 1 With studies
What Your Plan Covers and How Benefits are Paid BENEFIT PLAN. Prepared Exclusively for Leidos, Inc. Aetna Choice POS II (HDHP) - Advantage Plan
BENEFIT PLAN Prepared Exclusively for Leidos, Inc. What Your Plan Covers and How Benefits are Paid Aetna Choice POS II (HDHP) - Advantage Plan Table of Contents Schedule of Benefits...1 Preface...18 Coverage
Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO
Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with
BENEFIT PLAN. What Your Plan Covers and How Benefits are Paid. Prepared Exclusively for Cerner Corporation (Expatriate Employees)
BENEFIT PLAN Prepared Exclusively for Cerner Corporation (Expatriate Employees) What Your Plan Covers and How Benefits are Paid PPO Medical, PPO Dental, Basic Vision and Pharmacy Aetna Life and Casualty
What is the overall deductible? Are there other deductibles for specific services?
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.anthem.com/cuhealthplan or by calling 1-800-735-6072.
Turning Health Care Insights into Action. Impacting the Cost of Government through your Employee Health Benefits Strategy
Turning Health Care Insights into Action Impacting the Cost of Government through your Employee Health Benefits Strategy Reaching your Health Care Goals: Changing the Conversation There is a significant
The UnitedHealthcare Diabetes Health Plan Better information. Better decisions. Better results. Agenda
The UnitedHealthcare Better information. Better decisions. Better results. 1 Agenda Market Health Trends- declining health status and increase disease prevalence Optimal Decisions and Opportunity for Improvement
Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015
Benefit Coverage Chart & Rates Effective PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits o Dental o Dental & Orthodontia
Group Hospital Confinement Indemnity Gap Insurance
Group Hospital Confinement Indemnity Insurance Maltby Electric Supply Co., Inc. announces Insurance protection Proposed effective date: 03/01/2013 Help for the in-between time Managing routine health care
myhealthcare Cost Estimator (myhce)
myhealthcare Cost Estimator (myhce) myhealthcare Cost Estimator By the Numbers 99.5% of our consumers Have access to personalized estimates 635+ / 365+ Unique services / treatments covered $2.8 Billion
The New Complex Patient. of Diabetes Clinical Programming
The New Complex Patient as Seen Through the Lens of Diabetes Clinical Programming 1 Valerie Garrett, M.D. Medical Director, Diabetes Center at Mission Health System Nov 6, 2014 Diabetes Health Burden High
Important Questions Answers Why this Matters: In-network: $0/Individual; $0/Family Out-of-network: $500/Individual; $1,000/Family
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.anthem.com or by calling 1-800-445-7490. Important Questions
Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
Anthem Blue Cross Stanislaus County: Custom EPO Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type:
2015 Health Benefits
2015 Health Benefits Product Cost Sharing - Member's Responsibility Health Care Reform Compliant Health Care Reform Compliant Health Care Reform Compliant Deductible (DED) (Per Person/Family Aggregate)
UnitedHealthcare Choice. UnitedHealthcare Insurance Company. Certificate of Coverage
UnitedHealthcare Choice UnitedHealthcare Insurance Company Certificate of Coverage For the Plan 9DF of District of Columbia Government Enrolling Group Number: 712971 Effective Date: January 1, 2013 Offered
FEATURES NETWORK OUT-OF-NETWORK
Schedule of Benefits Employer: The Vanguard Group, Inc. ASA: 697478-A Issue Date: January 1, 2014 Effective Date: January 1, 2014 Schedule: 3B Booklet Base: 3 For: Choice POS II - 950 Option - Retirees
Insurance Benefits For Employees 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
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,
American Maritime Officers Medical Plan Employer Identification Number: 13-5600786 Plan Number: 501 Group Number: 0081717
AMENDMENT #4 American Maritime Officers Medical Plan Employer Identification Number: 13-5600786 Plan Number: 501 Group Number: 0081717 This Amendment is duly adopted and effective as of October 1, 2014.
Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60)
Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60) Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Boston College Student Blue PPO Plan Coverage Period: 2015-2016
Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This is only a
How to Make Reference Pricing Work for Consumers
WWW.FAMILIESUSA.ORG Health System Improvement How to Make Reference Pricing Work for Consumers ISSUE BRIEF / JUNE 2014 / Consumer Incentives HOW TO MAKE REFERENCE PRICING WORK FOR CONSUMERS 1 Reference
United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014
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
Group Hospitalization and Medical Services, Inc.
Group Hospitalization and Medical, Inc. doing business as CareFirst BlueCross BlueShield [840 First Street, NE] [Washington, DC 20065] [202-479-8000] An independent licensee of the Blue Cross and Blue
HCIM ICD-10 Training Online Course Catalog August 2015
HCIM ICD-10 Training Online Course Catalog August 2015 Course/Content Duration Quiz Duration CME Credits Assessments: Assessment: Provider - Baseline - E/M Emergency Department 45 5/1/2015 Assessment:
SECTION 4 COSTS FOR INPATIENT HOSPITAL STAYS HIGHLIGHTS
SECTION 4 COSTS FOR INPATIENT HOSPITAL STAYS EXHIBIT 4.1 Cost by Principal Diagnosis... 44 EXHIBIT 4.2 Cost Factors Accounting for Growth by Principal Diagnosis... 47 EXHIBIT 4.3 Cost by Age... 49 EXHIBIT
BENEFIT PLAN. What Your Plan Covers and How Benefits are Paid. Appendix A. Prepared Exclusively for The Dow Chemical Company
Appendix A BENEFIT PLAN Prepared Exclusively for The Dow Chemical Company What Your Plan Covers and How Benefits are Paid Choice POS II (MAP Plus Option 2 - High Deductible Health Plan (HDHP) with Prescription
Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO
Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary
Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015
Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Only Plan Type: PPO This is only
2015 Medical Plan Options Comparison of Benefit Coverages
Member services 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-866-641-1689 1-800-464-4000 Web site www.anthem.com/ca/llns/ www.anthem.com/ca/llns/ www.anthem.com/ca/llns/ www.anthem.com/ca/llns/
COMMONWEALTH OF MASSACHUSETTS HEALTH POLICY COMMISSION
COMMONWEALTH OF MASSACHUSETTS HEALTH POLICY COMMISSION TECHNICAL APPENDIX B2 HOSPITAL OUTPATIENT ADDENDUM TO 2015 COST TRENDS REPORT Table of Contents 1 Summary... 1 1.1 Data... 1 2 Surgical procedures...
California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada
Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of
HEALTH INSURANCE: CHOICES PLANS DECISIONS
HEALTH INSURANCE: CHOICES PLANS DECISIONS HERE ARE MANY CHOICES IN PRIVATE HEALTH INSURANCE. Most people receive group health insurance coverage through their employers. Some people buy individual plans.
CareFirst BlueChoice, Inc.
CareFirst BlueChoice, Inc. [840 First Street, NE] [Washington, DC 20065] [(202) 479-8000] An independent licensee of the BlueCross and Blue Shield Association ATTACHMENT [C] IN-NETWORK SCHEDULE OF BENEFITS
What if you or a family member were hospitalized tomorrow...
What if you or a family member were hospitalized tomorrow... could you pay for your out-of-pocket treatment expenses, plus cover daily living expenses? CAR GROCERIES BILLS PRESCRIPTIONS Group Indemnity
Baltimore City Public Schools Health Plan Comparison Chart Benefits Effective January 1, 2015
Baltimore City Public Schools Health Plan Comparison Chart Benefits Effective January 1, 2015 About this chart: This chart is to be used as a guide only and does not contain all details or exclusions.
2014-2015. Hard Waiver Plan
2014-2015 A health insurance plan specifically designed for students of Colleges and Universities in the Wisconsin Association of Independent Colleges and Universities (WAICU) Hard Waiver Plan Affordable
What Your Plan Covers and How Benefits are Paid BENEFIT PLAN. Prepared Exclusively for Vanderbilt University. Aetna Choice POS II Health Fund Plan
BENEFIT PLAN Prepared Exclusively for Vanderbilt University What Your Plan Covers and How Benefits are Paid Aetna Choice POS II Health Fund Plan Table of Contents Schedule of Benefits... Issued with Your
Trends in the Ambulatory Surgery Center Industry. Mark Wainner VP, Financial Operations AmSurg
Trends in the Ambulatory Surgery Center Industry Mark Wainner VP, Financial Operations AmSurg Introduction AmSurg Overview of ASC Industry Change from in-patient to out-patient to ASC Growth drivers Most
HealthyBlue PPO $1500 Coverage Period: 01/01/2014-12/31/2014
HealthyBlue PPO $1500 Coverage Period: 01/01/2014-12/31/2014 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
Schedule of Benefits International Select Gold
Schedule of Benefits International The following benefits for International are subject to the Policyholder s Calendar Year Deductible and Coinsurance. For Contracts with a $10,000 or $25,000 Deductible,
Medical Plan - Healthfund
18 Medical Plan - Healthfund Oklahoma City Community College Effective Date: 07-01-2010 Aetna HealthFund Open Choice (PPO) - Oklahoma PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY -
The Empire Plan: for Groups in Non-Grandfathered Plans Coverage Period: 01/01/2015 12/31/2015
The Empire Plan: for Groups in Non-Grandfathered Plans Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Important Questions Coverage for: Individual
How To Know The
Central LHIN Health Service Needs Assessment and Gap Analysis: Appendix O: Analysis on Hospital Rehab Services November, 2008 Canadian Hospital Rehab Statistics and Highlights Nationally, the vast majority
Benefit Highlights for UNC Greensboro students
bcbsnc.com/uncg Benefit Highlights for UNC Greensboro students Effective 08/01/2016 StdGrp, 4/16 U9096a, 5/16 Table of Contents This brochure is a general summary of the insurance plan offered by Blue
Greater Tompkins County Municipal Health Insurance Consortium
WHO IS COVERED Requires both Medicare A & B enrollment. Type of Coverage Offered Single only Single only MEDICAL NECESSITY Pre-Certification Requirement None None Medical Benefit Management Program Not
Medical Benefits. Stryker s Medical Options. How the UnitedHealthcare PPOs Work
Stryker s medical benefits are designed to provide comprehensive coverage and freedom of choice while also controlling costs for you and for Stryker. You may use any licensed healthcare provider and receive
Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
: 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
What Your Plan Covers and How Benefits are Paid BENEFIT PLAN. Prepared Exclusively for The McClatchy Company. Aetna Choice Plan
BENEFIT PLAN Prepared Exclusively for The McClatchy Company What Your Plan Covers and How Benefits are Paid Aetna Choice Plan Table of Contents Preface...1 Important Information Regarding Availability
Uniform Medical Plan Classic (Non-Medicare) Coverage Period: 01/01/2016-12/31/2016 Summary of Benefits and Coverage:
Uniform Medical Plan Classic (Non-Medicare) Coverage Period: 01/01/2016-12/31/2016 Summary of Benefits and Coverage: What This Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO
TIBLE. and Welfare Trust
HIGH DEDUC TIBLE A Guide to Your Benefits University of Colorado Health and Welfare Plan Funded by the Univers sity of Coloradoo Health and Welfare Trust Welcome Welcome to CU Health Plan High Deductible,
Employee + 2 Dependents
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at
Insurance & Benefits Trust of PORAC
Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered
PDS Tech, Inc Proposed Effective Date: 01-01-2012 Aetna HealthFund Aetna Choice POS ll - ASC
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance 100% Percentage
