THE EMPIRE SMALL GROUP PRODUCT GUIDE
Effective January 1, 2018THE EMPIRESMALL GROUPPRODUCT GUIDEMore choices for groups with1 to 100 employeesDiscover the benefits of being demanding.Welcome to Empire’s 2018 health plans.
We’ve got what you’re looking for:Medical plan overview.Page 2Running a small business takes courage and alot of hard work. You make important decisionsWhat’s new.Page 7every day. And choosing the right health planA pioneering approach to care.Page 10is definitely one of them.Pharmacy and specialty benefits. Page 17Taking health personally.Page 28That’s why we’ve made it easy, with plan designs that speak to who you are, howyou run your business and your bottom line. And because you’re choosing anEmpire BlueCross BlueShield plan, you can count on the quality and stability ourcustomers have come to know for more than 80 years.Today, we want you to know, it’s your purpose that’s at the heart of ourpromise: to build the ultimate benefits package for every type of smallbusiness and for every type of employee who works to keep your dreamalive and well, every day.Now let’s find you the perfect plan.This document is a summary and does not contain all terms about referenced covered benefits and services. Benefitplans have exclusions, limitations and terms that apply. For more complete details on what’s covered and what isn’t,review the Contract and Schedule of Benefits. To access a Summary of Benefits and Coverage (SBC), please visitsbc.empireblue.com and select Member.1
Meet our medical plans.Here’s a brief explanation of the types of health plans we offer:PPOA preferred provider organization (PPO) allows members to see providers in-network or out-ofnetwork. Members pay substantially less out of pocket when they use a provider in the PPO network.There’s no need to get a referral to see a specialist.EPOAn exclusive provider organization (EPO) only covers services received from providers in the EPOnetwork. Members don’t need a referral from a primary care physician (PCP) to see a specialist. If servicesare received from an out-of-network provider, coverage is not available or limited.CDHPConsumer-driven health plans (CDHP) feature higher deductibles than traditional insurance plans.They can be paired with a health savings or health reimbursement account allowing members to pay forqualified out-of-pocket medical expenses. CDHPs are available as an EPO or PPO.HSAHRA A health savings account (HSA) is a member-owned savings account that you and youremployees can fund with pre-tax dollars to help pay for qualified health care expenses,including prescriptions. A health reimbursement account (HRA) is a member-owned, employer-funded savingsaccount that helps pay for employees’ costs when they need care. Employees decide how to payfor care — either out of pocket or with their HRA debit card, plus they can earn rewards by takingcertain steps to improve their health.Different networks to meet different demands:Preferred Provider Organization (PPO)/Exclusive Provider Organization (EPO) NetworkComprehensive coverage1 and a broad network within the Empire service area.2Blue Priority Network An EPO network with comprehensive coverage and access to in-networkdoctors that participate in our Enhanced Personal Health Care program. 6-7% savings from EPO/PPO3network and a narrowed provider network. It’s personalized care and strong benefits at a lower price.Pathway Network An EPO network with comprehensive coverage through Empire’s 28-county servicearea. 4-5% savings from EPO/PPO network and a narrowed hospital network.4 Members get lower or nocopays. It’s good care at a competitive cost.Preventive care visits are covered 100% with in-network providers5Medical plans at a glance2018 PLAN NAMEDownstateRegions 3, 4, 8UpstateRegions 1, 7Empire Platinum Blue Priority EPO 15/0%/3500Empire Platinum Pathway EPO 15/0%/3500Empire Platinum EPO 15/0%/3500Empire Platinum EPO 5/0%/2600Empire Platinum PPO 15/0%/3500 80th Percentile FAIR HealthEmpire Platinum PPO 250/10%/5250Empire Platinum PPO 5/0%/2600Empire Gold Blue Priority EPO 1250/20%/4000Empire Gold Blue Priority EPO 1350/0%/3000 w/HSAEmpire Gold Blue Priority EPO 35/10%/5850Empire Gold Pathway EPO 25/0%/6000Empire Gold Pathway EPO 35/10%/5850Empire Gold Pathway EPO 500/20%/7350Empire Gold EPO 1000/10%/5000Empire Gold EPO 1500/10%/7000Empire Gold EPO 25/0%/6000Empire Gold EPO 2500/0%/5000 w/HRAEmpire Gold EPO 35/10%/5850Empire Gold EPO 500/20%/7350Empire Gold PPO 1000/10%/5000Empire Gold PPO 1350/0%/3000 w/HSAEmpire Silver Blue Priority EPO 1500/30%/6650Empire Silver Blue Priority EPO 2500/30%/7350Empire Silver Blue Priority EPO 3000/0%/5250 w/HSAEmpire Silver Pathway EPO 1500/30%/6650Empire Silver Pathway EPO 2500/30%/7350Empire Silver Pathway EPO 2750/30%/7350Empire Silver EPO 1500/30%/6650Empire Silver EPO 2500/30%/7350Empire Silver EPO 2700/20%/5000 w/HSAEmpire Silver EPO 2750/30%/7350Empire Silver EPO 3000/0%/5250 w/HSAEmpire Silver EPO 3000/30%/7350Empire Silver PPO 2700/20%/5000 w/HSAEmpire Silver PPO 3000/0%/5250 w/HSAEmpire Bronze Blue Priority EPO 5500/20%/6650 w/HSAEmpire Bronze Blue Priority EPO 5500/35%/6650 w/HSAEmpire Bronze Blue Priority EPO 7350/0%/7350Empire Bronze Pathway EPO 5500/35%/6650 w/HSAEmpire Bronze Pathway EPO 7350/0%/7350Empire Bronze EPO 5500/20%/6650 w/HSAEmpire Bronze EPO 5500/35%/6650 w/HSA tworkBlue PriorityPathwayEPOEPOPPOPPOPPOBlue PriorityBlue PriorityBlue PPOBlue PriorityBlue PriorityBlue PPOBlue PriorityBlue PriorityBlue EPOEPOEPOEPOUpstate coverage: Region 1 Albany Area, Region 7 Upstate Clinton/Essex AreaDownstate and Mid-Hudson coverage: Region 3 Mid-Hudson, Region 4 New York City Area, Region 8 Long Island AreaBlue Cross and Blue Shield Association PPO/EPO network comparison data from websites of other national carriers as of 2016. Network data include the BlueCard program’s extensive networks of doctors, hospitals and otherproviders that participate in independent Blue Cross and Blue Shield plans across the country. Empire’s 28-county service area: Albany, Bronx, Clinton, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Kings, Montgomery, Nassau, New York, Orange, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady,Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington and Westchester.3Empire internal data analysis, 2017. Potential savings only apply to the claim cost portion of the rate attributable to residents of Manhattan, Queens, Bronx, Brooklyn, Richmond, Nassau, Suffolk, Westchester and Rockland counties.4Empire internal data analysis, 2017.5 Applies to preventive services provided in accordance with the comprehensive guidelines supported by the Health Resources and Services Administration, or if the items or services have an “A” or “B” rating from the U.S. PreventiveServices Task Force, or if the immunizations are recommended by the Advisory Committee on Immunization Practices.1 22Talk to your broker for more information about our plans.3
We’re Empire.Get to know the power behind aBlue Cross and Blue Shield plan.Our strength is backed by some serious numbers through theBlueCard program.That’s a name that brings local and nationwide access to care like no other.Providing health coverage for millions of members is pretty powerful, but we’realso about creating healthier communities and investing in the future for ourpeople and our businesses.In New York:That means you, our small business employers. When you choose Empire, you’llenjoy network discounts, innovative health and wellness programs and accessto quality care.150acute carehospitals181,000 physicians218 yearsmore doctorsrated BESTby New YorkMagazine3And if members live, work or play across the country, or abroad, they’ll haveaccess to doctors and hospitals through one single electronic network: BlueCard.The BlueCard program lets them use providers almost everywhere in the U.S. (inurban and rural areas alike) and in nearly 200 countries and territories aroundthe world through Blue Cross Blue Shield Global Core.5Around the corner and around the world, we arethere for you. That’s Empire, always.93%U.S. doctors are in theBlueCard program4 — morethan any otherhealth plan in America596%U.S. hospitals are in theBlueCard program495%of the Top Hospitals inAmerica, as ranked byU.S. News & World Report 6Visit empireblue.com Useful tools Find a doctor to check whichdoctors and other health care providers are covered in-network.4NETWORKDISCOUNTS LARGENETWORKS GREATSAVINGSAugust 2017 data from Anthem Corporate Provider File.2017, Empire’s internal data and Netminder data report issued 06/2017.Based on New York Magazine’s 2017 “Best Doctors” issue reflecting data from Castle Connolly Medical Ltd.’s annual tionwide, September 2017.5 2017, Blue Cross Blue Shield Association, www.bcbs.com6SmartMoney: U.S. News and World Report, America’s Best Hospitals (2014) health.usnews.com/besthospitals/rankings and internal data, March 2015. HIGHMEMBER SATISFACTIONRATINGS1235
You don’t settle forgood enough.Neither do we.At Empire, we’re always working to find a better way —for you and your employees.We know you always need to do more with less. So we took a good look at how we could find even moresavings for New York’s small businesses. Affordability is important to everyone, and so is the health ofthose around them. Here’s a glimpse of what we’ve created to give you more options for your business.67
Now you have even more ways to save.Health and wellness incentivesSimple health steps can lead to big rewards.Pharmacy benefitsDid you know that employees use their pharmacy benefit more frequently than any otherhealth benefit? And, that the average person fills 12 prescriptions per year1 and only goes to the doctorthree times a year?2 Because pharmacy costs make up about 20% of employer health care costs, wecreated the following benefits to help you save on your health care premiums. Take a look:We believe health care is everyday care. That means covering your employees when they need it andhelping to keep them healthy today, tomorrow and always.Sometimes a little incentive is all we need to take that extra healthy step. And that’s why we’reoffering employees and their spouse or partner financial incentives for taking simple steps tolive well.Traditional Open Drug List — A broad, open drug list that includes most generic and brand-name drugs.}}Select Drug List — This list, which offers many cost-effective prescription drugs, meets or exceeds theAffordable Care Act (ACA) requirement to offer drugs in every category and class.}}Your employees can earn up to 700 per year1:Home delivery pharmacy — New this year, members no longer have to notify us regarding their choice to usea local pharmacy or the home delivery pharmacy. Members can save on up to a 30-day supply through both.}}New savings through the home delivery pharmacy — All plans with drug copays now have a money-savingdiscount for 90-day supplies of maintenance drugs purchased through the home delivery pharmacy. Membersnow will only pay two and a half times the 30-day retail copay for 90-day supply at the home delivery pharmacy,including drugs in tiers 2 and 3.}}Our Small Group health plans are covered under the Select or Traditional Open drug list.Visit empireblue.com/pharmacyinformation for more information.All Empire Small Groupproducts have pharmacybenefits embedded.Preventive wellnessexam and flu shot 100Employees must complete both the wellness exam ( 50) and the flu shot ( 50) to receivethe 100 reward. Activities can be completed in any order. Once the second of the twoactivities is complete, two separate rewards will be given.Tobacco-freecertification 50Employees complete the online tobacco-free certification after they register and log inat empireblue.com.Online Wellness ToolkitUp to 150Employees earn rewards by using online wellness tools that help them achieve nutrition,exercise, stress and other personal health goals.Gym reimbursementUp to 400Employees who meet reimbursement qualifications (complete 50 visits every six months withinthe benefit plan year) can earn up to 200 every six months. Employees’ covered spouses orpartners can earn 100 every six months.Employees and their covered spouses or partners must be 18 or older to earn rewards.Incentives are paid out in gift cards. Once theycomplete reward activities, employees will get aletter telling them they’ve received a reward.The letter will have instructions on how to gettheir reward.Gym reimbursements are paid out by check.Employees must fill out verification forms,available at empireblue.com, and submit them.For more information about pharmacy benefits, please contact your broker.The Henry J. Kaiser Family Foundation, Retail Prescription Drugs Filled at Pharmacies (Annual per Capita) (accessed May 8, 2015): kff.orgHealth, United States, 2015: With Special Feature on Racial and Ethnic Health Disparities. U.S. Department of Health and Human Services, Centers for DiseaseControl and Prevention, National Center for Health Statistics. Hyattsville, MD., 2016.12 8Employees can earn up to 700 per year. Employees’ covered spouses or partners can earn up to 500 per year. Up to 1,200 annual benefit per family.19
A pioneeringapproach to care.The kind that works better — for everyone.Your employees deserve a better experience getting their health care.That’s why we’ve taken steps to build health care coverage that works forthem and you. We’re working more closely with our network providers tocreate more convenient access to care, so your employees know we’vegot them covered.1011
Welcome to an excitingtransformation in thedoctor-patient relationshipcreated for Empiremembers.It’s called Enhanced Personal Health Care and it’s thekind of care everybody wants.We’ve changed the way we work with doctors by rewarding them forthe quality of the health care they deliver rather than just the amountof patients they see. Our model puts patients in a circle of care, makingthem the central focus on a team approach to their overall health.We do this by: Paying doctors for value over volume when they improve patient health,meet quality standards and lower costs. Giving doctors added support with the right tools and strategies to helpstrengthen the doctor-patient relationship so they can spend more timewith patients and coordinate their care with other doctors. Improving the patient experience with better access to a primary carephysician (PCP) who cares for the whole person, becomes their health carechampion and helps them navigate the health care system.Great results in New York StateEmpire’s EPHC results speak for themselves.1 16.46 PaMPM19.3% lowergross medical cost savings perattributed member, per month (PaMPM)PaMPM radiology cost4.4% fewer4.5% fewerinpatient medical admitsinpatient surgeries3.1% fewer6.3% fewerinpatient medical dayssurgical inpatient days2.6% lowerutilization of radiology servicesBased on financial performance of EPHC programs against Medical Cost Targets 4/1/13 – 3/31/16 for all Empire marketswithin Empire’s 28-county service area; net savings are net of provider shared saving bonus payout. Utilization and site ofservice results based on performance against targets 4/1/13-6/30/16.1 “ Through Empire’s Enhanced Personal HealthCare program, we contacted women whoneeded mammograms. Of those who receiveda mammogram, three had early-stage breastcancer. That’s why we have extended hoursand systems in place to try to help patientsreceive the care that they require. Doctors andinsurers work closely together to providebetter care, focusing on the value, not thevolume, of care delivered. It’s a great programthat ultimately saves lives.Enhanced Personal Health Care is patient-centeredand compensates doctors for the quality of care theygive, not just the number of patients they see.”—D r. Frank Maselli, MD, Family PractitionerRiverdale, Family Practice1213
Employees have access to care anytime,anywhere1 with LiveHealth Online — all it takesis an Internet connection.INNOVATIONSWhen using LiveHealth Online, your employees can have face-to-face video visits withboard-certified doctors or licensed psychologists and therapists right from theircomputer or mobile device. In just minutes, they can connect to a doctor to addresscommon health issues. And psychologists and therapists are also available byappointment in four days or less.2Benefits when seeing a doctor usingLiveHealth Online:No appointments Appointments available in four days or less2 Easy to use Easy to use Board-certified doctors Licensed psychologists and therapists Doctors can provide treatment plans and mayprescribe medicine3 Cost effective: cost is similar to an office therapy visit 14Now at a discount of 50% off — or more —on your copay or coinsuranceTo learn more, go to livehealthonline.comLiveHealth Online delivers high member satisfaction4Benefits when seeing a psychologist ortherapist using LiveHealth Online: ACCESSIBLEAT THEIN CARE SPEED OFLIGHTPsychologists and therapists using LiveHealth Onlinedo not prescribe medications.92%89%89%92%Reasonablewait timeEasy to useDoctors wereprofessional and helpfulGiven enoughtime for visitNot available in Alaska, Arkansas, Texas or outside the U.S.Appointments subject to availability of a therapist.3 Prescription availability is defined by physician judgment and state regulations. LiveHealth Online is available in most states and is expected to expand to more in the near future. Visit the home page of livehealthonline.com to view the service map by state.4LiveHealth Online Consumer Post Visit Survey results, 2017.1215
You demand affordableplan options.We offer choices to fit the needs of most typesof business. With health and wellness extrasthat deliver superior long-term value.Get ready to meet your match! No matter what the size of your business and yourneeds and preferences, you’ll find the right health plan, right here. We offer a fullrange of high-quality plans with a wealth of solutions designed to help you controlcosts. Our commitment to you is to get it exactly right.1617
Pharmacy benefitsTogether with medical — better and easier than everYou may not know it, but pharmacy benefits are the most widely used benefits.At Empire, we focus on more than just pharmacy costs — we’re looking at thebigger picture — the value of better health. That’s why all Empire Small Groupproducts include pharmacy benefits.MedicalIn evaluating a plan, it’s important to look at the drug list to understand which drugsare covered. View our drug lists online at empireblue.com/pharmacyinformation.Better health and lower costs of care beginwith better medication managementThe resultsspeak forthemselvesWith our pharmacy, clinical and cost-of-care programs, we can help your employees live healthier.Addressingmedication gapsImproving adherenceto taking medicationsas prescribedMore effective and affordablehealth careBy combining medical and pharmacy and coordinatingthese benefits systemwide, we are writing a prescriptionfor more effective and more affordable health care foryou and your employees.We also make it easy for employees with single-sign-on access to their pharmacybenefits through empireblue.com.Helping managechronic conditionsPharmacySaving money with generics,home delivery and a broadnetwork of pharmaciesHere’s how we do it:28%132%26%MOREMOREMOREgaps in careidentifiedmembers arecompliantwith theirmedicationscare gapsclosed within12 monthsLet’s get technicalwith pharmacyWith pharmacy and medical combined, we can targetmembers with specific messaging such as cost savingsIt’s easy to fill prescriptions, check copays orcoinsurance and more by going to empireblue.comor downloading our mobile app.for generics and therapeutic equivalents. And we cancoordinate that messaging between the member and thedoctor to identify and help close gaps in care, switchmembers to more effective and less expensive drugs andWe are closing the gap between giving membersinformation and getting them to act on it.communicate safety concerns.Outcomes for MyHealth Advantage using our pharmacy data when comparedto carve-out pharmacy data. Results based on most recent measurable 12months (July 2014 – June 2015) of data available for clinical and cost-of-careprograms for Empire and affiliated plans in other states commercial business.1 1819
Specialty benefitsDentalEmpire’s Whole Health ConnectionSM -your medical and specialty solutionOur Dental Prime and Dental Complete plans are built for greater choice, betteroral health and ultimate business value.Empire medical plans include pediatric dental, pediatricvision and basic adult vision coverage.* However, you canadd Empire dental or vision products to your medicalplan for more comprehensive coverage. Experience theease of one application, one implementation process,one bill and one ID card.Your employees deserve the best — and we can help youdo right by them with vision, dental, life and disabilityplans that build on their medical coverage. After all,more care options can mean happier, more productiveemployees. Our specialty plans are clinically connectedto our medical plans. This means we have the potentialto deliver a bigger and better picture of health foremployees with less hassle and more savings foryour clients.We’re helping change the face of health care by simplifying how our medical anddental plans work together.Strong alone,better together A huge networkClinically coordinated carethrough our connectedhealth plan portfolioAccess to one of the largest dental networks in the nation,with 124,000 unique dentists and 370,000Benefits from one source,so you spend less energymanaging multiple plansaccess pointsInternational emergencySimplified enrollment andadministration for medical,dental and vision plansDental program for emergency services while traveling or working abroadStrong local andnational networks Competitive pricing A brand you can trustDentists may have the first opportunity to notice earlysigns of a chronic disease. Our Dental Prime and DentalComplete plans offer benefits to improve oral andoverall health.DisabilityVisionBrush biopsyBenefit to help detect oral cancerYou also can purchase enhanced dental and vision and life and disability plans separately.*Excludes Healthy New York Small Group plans.DentalBetter overall healthLifePediatric dental and vision benefits are includedin all of our medical plans. Adult vision is alsoincluded at no additional cost.*20MedicalThat’s why many of our plans have 100% coverage for in-network preventive services such as periodicexams, cleanings and X-rays. In addition, we have automatic enrollment for an additional cleaning orperiodontal treatment for members with certain health conditions who are engaged in one of our CareManagement programs.MedicalDental33%Average savings on covered services1100% in-networkcoverageExtra cleaning orperiodontal treatmentFor cleanings, exams and X-raysFor eligible members engaged in one ofour Care Management programsAverage in-network claims savings for Dental Prime and Dental Complete plans, 2015.Online Dental ToolsThree new online tools that helpmembers better understand theircosts and oral health better121
VisionMore doctors, better discounts and a clear pathto overall health with Blue View VisionSMMembers can use in-networkbenefits and get savings from:Vision care can play a powerful role in early detection andmore effective management of chronic conditions. In fact, eyeexams can help identify serious conditions like diabetes, highblood pressure and high cholesterol.MedicalVisionTotal health viewWhen we connect Blue View Vision with our medical plans,providers can better see the total health of the member, whichhelps them deliver better, more informed care.Connection of care1Claims and clinical data go into members’ electronic health files}}Vision providers can see information quickly}}Automatic referrals go to our ConditionCare program if a health issue is found}}Blue View VisionSM is included in all Empire Small Group health plans with coverage for yearly eye exams plus framesand lenses for children (up to age 19). Adults have coverage for yearly eye exams plus frames ( 130 in-networkallowance) and lenses every two years.2 Enhanced benefits are also available. For a list of participating Blue ViewVision providers in your area, visit empireblue.com and select Find A Doctor.Big discountsLots of doctorsLess hassle35% to 40% off extra glasses3Over 37,000 doctors at more than27,000 locations nationwideSimplified administration fromenrollment through claims processingAny member information, claims data and health history shared is relevant and HIPAA-compliant.Excludes Healthy New York Small Group plans.3Laws in some states may prohibit network providers from discounting products and services that are not covered benefits under the plan.122223
Life and disabilityA new way of looking at themIt’s time to talk about life and disability coverage that goes way beyond a check.When a life-changing event happens, you can count on Empire’s affiliate, AnthemLife and Disability Insurance Company (Anthem Life), to be there with superiorservice from a caring staff, quick payment of claims and support services foremployees and their families. We offer a wide variety of options, so you can tailora benefits program to your employees’ needs and your budget, all from one singlepoint of contact. When it comes to life and disability insurance,we do more than just send a check. We giveemployees and their families valuable extras.We can help you with Social Securitydisability filings and approvals Our life and disability features:Members with life coverage have a safetynet if an emergency arises while they’remore than 100 miles away from hometeam with industry-leadingclaims turnaround times withTimely payments and support services Benefits employees can use before and after a loss Simplified benefit administration and dedicated customer service Support services that help employees get back to work and back to life Medicalanswered liveResource Advisor*Internal data for Empire and its affiliated Blue Plans, 2015Emotional, legal and financial support formembers with life and disability coverageHelp for families after a death, dealing with deathcertificates, creditors and moreAccidentaldeath es eight weeks of personal life coachingservices to help new mothers transition back towork and work-life balance2TSBeneficiaryCompanionNL24ENewborn parentingresourcesEVAUPackage disability withone of our medical plansBeneficiary Companioncomprehensive planswith special featuresTravelassistanceImproved outcomesYour employees are connected with teams of clinical,behavioral health, vocational rehabilitation andcounseling specialists who can help them get back to lifeand back to work.VoluntaryLife anddisabilityDisabilityAll customer service calls areLong-termdisabilityLifelower medical costs1Protected by identity theftrecovery servicesPersonalized service from Claims Management teamShort-termdisabilityWith Anthem Life coverage, whenmembers engage with a medicalnurse care manager, their averagemedical costs are 8,000 less duringtheir disability claim period.125%99.8% accuracy* Travel assistanceYou get a designated serviceA little coachingmakes a bigdifferenceMYou may getGuaranteed Issue!That means some of our life and disabilitybenefit options are available withoutemployees having to go through healthunderwriting — and there are no healthquestionnaires to fill out.Empire and its affiliated Blue Plans Productivity Solutions Quantifying Value Study, 2015.Available with short-term disability.1225
You want to offer dental, vision, life and disabilitycoverage, but you just can’t cover the cost.That’s ok. We’ve got another way.100%PAID BY THEEMPLOYEEWe understand it can be a tough balancing act. You want to offer acompetitive benefits package that helps attract and retain the bestemployees, but your dollars only go so far.That’s why we offer a voluntary portfolio for dental, vision, life anddisability plans with low minimum participation requirements. You pickthe plan designs and your employees choose the coverage at affordablegroup rates. And because the employee pays 100% of these costs,there is no impact on your bottom line.For more information on how to add voluntary dental, vision, life anddisability plans to your benefit package, talk to your broker.Voluntary plans offer you a way to strengthen the value of yourbenefits plan and improve employee satisfaction, at no extracost to you.2627
Taking youremployees’ healthpersonally.Health and wellness for all, but in theend it comes down to you.You matter. What a great feeling to know someone’s gotyour back, helping you and your employees stay healthy,today and tomorrow.Our team of wellness experts study the reasons why peopleengage in healthy behaviors, programs and activities. We taketheir data to heart to find better solutions that can bring youremployees to optimum health and optimum performance.2829
Total Population Health solutionLet’s get personal. Everyone has thei
2018 PLAN NAME Downstate Regions 3, 4, 8 Upstate Regions 1, 7 Metal Level Network Plan Type Empire Platinum Blue Priority EPO 15/0%/3500 - Platinum Blue Priority EPO Empire Platinum Pathway EPO 15/0%/3500 Platinum Pathway EPO Empire Platinum EPO 15/0%/3500 Platinum EPO EPO Empire Platinum EPO 5/0%/2600 Platinum
May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)
Silat is a combative art of self-defense and survival rooted from Matay archipelago. It was traced at thé early of Langkasuka Kingdom (2nd century CE) till thé reign of Melaka (Malaysia) Sultanate era (13th century). Silat has now evolved to become part of social culture and tradition with thé appearance of a fine physical and spiritual .
Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have
On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.
̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions
Chính Văn.- Còn đức Thế tôn thì tuệ giác cực kỳ trong sạch 8: hiện hành bất nhị 9, đạt đến vô tướng 10, đứng vào chỗ đứng của các đức Thế tôn 11, thể hiện tính bình đẳng của các Ngài, đến chỗ không còn chướng ngại 12, giáo pháp không thể khuynh đảo, tâm thức không bị cản trở, cái được
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. Crawford M., Marsh D. The driving force : food in human evolution and the future.
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. 3 Crawford M., Marsh D. The driving force : food in human evolution and the future.
