TIDEWATER MANAGEMENT GROUP - RONNIE JAMES
TIDEWATER MANAGEMENT GROUP - RONNIE JAMES
OUR FMOABOUT TMGTidewater ManagementGroup strives to provideeducation, support,respect andsustainability to all ofour agents. Ourbusiness is built onrelationships with agents& brokers with whom weare committed toachieving success in aprofessional and qualityenvironment.
OUR FMOJUST A FEW REASONS TO PARTNER WITH TMG:‣ No Reduced Commissions‣ No Assignment of Commissions‣ Dedicated Licensed Agent Support‣ Free unbiased mobile CSG quoting tool‣ Lead Programs‣ Incentive Trips‣ Quarterly training meetings & seminars - no cost‣ Exclusive VIP Portal
OUR FMOTODAY’S MEETING AGENDA‣ Medicare Supplements‣ Medicare Prescription Drug Plans‣ Hospital Indemnity‣ Life Products‣ Cancer, Heart Attack & Stroke‣ Home Health Care Products‣ Dental, Vision & Hearing‣ 2017 Medicare Advantage Benefits
MEDICARESUPPLEMENTSINCREASE 4.2%!Total premium for activelyselling companies totaledapproximately 2.2 billionin 2015Total premium for activelyselling companies totaledapproximately 2.176 billionin 2014
MEDICARE SUPPLEMENTSPLAN F ACCOUNTS FOR MORE THAN 50%OF MEDICARE SUPPLEMENTS PLACED.
MEDICARE SUPPLEMENTSEXHIBIT F. PERCENTAGE OF SALESPREMIUM BY SOURCEIt is still beneficial to talk to people over65 about Medicare Supplements.Underwritten supplements are 40%!!
MEDICARE SUPPLEMENTSTMG MEDICARE SUPPLEMENT CARRIERS‣ Aetna Senior Supplemental‣ Assurity‣ Bankers Fidelity‣ Central States Indemnity‣ Central States Indemnity Life‣ Cigna‣ Equitable Life‣ Everest Reinsurance Company‣ Guarantee Trust Life‣ Humana‣ Individual Assurance Company‣ LCBA‣ Manhattan Life‣ Medico‣ Mutual of Omaha‣ Oxford Life‣ Thrivent‣ Transamerica‣ United American‣ United Health Care
MEDICARE SUPPLEMENTSEVEREST REINSURANCE COMPANY‣ Brand new carrier‣ Competitive rates‣ Top commissions with recruitment contracts available‣ Fast app bonus program‣ E-app‣ Household discount‣ A Rated CarrierUP TO 100 BONUS FORPLACED BUSINESS!!Through December 7th
MEDICARE SUPPLEMENTSAETNA SENIOR SUPPLEMENTALS‣ Plans A, B, D, F, High Deductible F, G, N‣ Full portfolio of products‣ 30 day free look‣ 12 month rate guarantee‣ Incentive Trip‣ A Rated Carrier‣ Not going up more than 3% over the next 3 years
MEDICARE SUPPLEMENTSBANKERS FIDELITY‣ A Rated Carrier‣ Full portfolio of products‣ Incentive Trip‣ 50 bonus for every app written‣ 5 apps for 5 leads
MEDICARE SUPPLEMENTLCBALOYAL CHRISTIAN BENEFIT ASSOCIATION‣ A non-profit organization‣ E-App Available‣ 7% Household DiscountPlan G RatesFemale Non-tobaccoPlan G RatesMale Non-tobacco7% Discount applied7% Discount applied65 - 85.6365 - 98.4368 - 87.3268 - 100.3770 - 94.4570 - 108.57
IS MEDICARE PARTD IMPORTANT?TOTAL MEDICARESPENDING IN 2014 613.3 BILLION13% Part D Spending3% Part B Spending84% Other Medicare Spending
MEDICARE PRESCRIPTION DRUGSSILVERSCRIPT‣ 2017 Plan designs are 0 deductible‣ More than 67,000 retail pharmacies in network‣ Some plans have gap coverage for Tier 1&2 drugs‣ eApplication starting with the 2017 AEP‣ New to Medicare 71 commission‣ Renewal / Rollover 36 commission‣ Annual certifications now available
HOSPITALINDEMNITY EVENCOVERS HIDDENCOSTS!‣ Prescription drug expenses‣ Experimental treatments‣ Lost time at work‣ Travel & Food‣ Lodging
HOSPITAL INDEMNITY PLANSBANKERS FIDELITY‣ Guaranteed Issue into a highdeductible Plan F at any time!‣ Up to a 60 application bonusfor placed business!‣ 5% Household discount!‣ No application fee!‣ Outpatient Diagnostic Testing!‣ Cancer Rider (3 year look back)‣ Protected Block With SuperStable Rates‣ Lifetime Commissions are apossibility
HOSPITAL INDEMNITY PLANSGUARANTEE TRUST LIFE‣ Guaranteed issue from ages 641/2 to 651/2‣ Easy E-App and iPad app‣ Covers 24 Hour "Observation" Stays at 100%‣ Year round selling opportunity‣ Cash benefits paid directly to the insured‣ Commissions paid weekly‣ Cancer Rider (5 year look back)
LIFE INSURANCE DO YOU BELIEVE?Studies showthat 1 out of 1will die.
LIFE INSURANCETMG LIFE INSURANCE CARRIERS‣ Aetna Senior Supplemental‣ American General‣ Assurity‣ Baltimore Life‣ Bankers Fidelity‣ Banner Life‣ Cincinnati Life‣ Equitable Life‣ Forethought‣ Foresters‣ Gerber‣ Great Western‣ Guarantee Trust Life‣ Kemper‣ Liberty Bankers Life‣ Medico‣ Mutual of Omaha‣ National Guardian Life‣ Oxford Life‣ Protective‣ Sagicor‣ Settlers Life‣ Standard Life and Casualty‣ Transamerica‣ United American‣ United Home Life‣ Washington National
CANCER, HEART ATTACK & STROKE15.5 MILLIONCANCER SURVIVORS INAMERICA TODAY36% OF THEM ARE BROKEIN THE AMOUNT OF TIMEIT TOOK YOU TO READTHIS SLIDE, SOMEONENEW HAD A HEARTATTACK IN THE U.S.EVERY 34 SECONDS.
CANCER HEART ATTACK AND STROKEGUARANTEE TRUST LIFE BRAND NEW!‣ Issue from ages 18 to 90‣ Lump Sum Benefit (up to 75K)‣ Return of Premium Rider‣ 500 Per Year Skin Cancer Benefit (3 times)‣ 100 Wellness Benefit for Annual Physical Exam (per year)‣ Dental Vision Rider‣ Intensive Care Rider‣ Recurrence Benefit 100% after 5 years
CANCER HEART ATTACK AND STROKEAETNA‣ Issue from ages 18 to 89‣ Can Cover Individual or Family on 1 Policy‣ Intensive Care Benefit Rider‣ Up to 75K Benefit
HOMEHEALTHCAREThe Fastest GrowingSegment of theHealthcare Industry
HOME HEALTHCAREKEMPER‣ 150/day for home health‣ Paid directly to the insured‣ Medicare covers home health at 100%‣ Used any way the insured desires‣ Client can own 2 policies‣ Prescription Drug Reimbursement‣ Home Healthcare Aid Coverage‣ Only 2 Health Questions
114 MILLIONAmericans with no dental insuranceWhy do they need it?STUDIES SHOW THOSE WITHOUT:67% more likely to haveheart disease50% more likely to haveosteoporosis29% more likely to havediabetes
DENTAL VISION & HEARINGMEDICO VS CUL
MEDICARE ADVANTAGEIn 2016 there are55.5 MILLIONMedicare beneficiaries.By 2050 that number will rise to:89 MILLION
MEDICARE ADVANTAGETOTAL MEDICARE PRIVATE HEALTH PLANENROLLMENT 1999-2016
MEDICARE ADVANTAGESHARE OF MEDICARE BENEFICIARIES ENROLLED INMEDICARE PRIVATE PLANS BY STATE, 2016Total Medicare EnrolleesNC - 1.78MSC - 950KGA - 1.52MTN - 1.34M
Return to QuickFind MapMid South Market — NORTH CAROLINANorth Carolina/Alamance, Alexander, Cabarrus, Caldwell, Caswell, Catawba, Davidson, Davie, Durham, Forsyth,Gaston,Guilford, Iredell, McDowell, Mecklenburg, Orange, Person, Randolph, Rockingham, Rowan, Stokes, Union, WakeAetna Medicare Premier Plan (PPO) (H5521-081)Why You Should Sell This PlanAetna’s 4.5-star lead PPO plan with an expanded footprint and provider network. Pairs competitive out-of-pocket costswith a rich Rx formulary and a expanded Tier 1 Rx list. This plan gives you the freedom to access care both in and out ofnetwork. Includes extras above Medicare, including both dental and vision allowance and a 0 SilverSneakermembership.Monthly Premium 0PCP In-Network 10Specialist In-Network 45Inpatient Hospital In-Network 295 per day, days 1-6; 0 per day, days 7-90Out-of-pocket Maximum 4,950 In-Network/ 10,000 CombinedPrescription DrugsPreferred Pharmacies/Non-Preferred PharmaciesTier 1 - Preferred Generic 2/ 10 copayTier 2 - Generic 5/ 20 copayTier 3 - Preferred Brand 47 copayTier 4 - Non-Preferred Drug 100 copayTier 5 - Specialty29% coinsurancePlan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confidential and Proprietary.Distribution to consumers, other insurers, or any other person or company is strictly prohibited and may be grounds for termination of your agreement with Aetna.139
Return to QuickFind MapMid South Market — NORTH CAROLINANorth Carolina/Johnston, WilkesAetna Medicare Value Plan (PPO) (H5521-139)Why You Should Sell This PlanAetna’s new PPO plan with a 4.5-star rating and robust provider network. Pairs competitive out-of-pocket costs with arich Rx formulary and a large Tier 1 Rx list. This plan gives you the freedom to access care both in and out of network.Includes extras above Medicare, including both dental and vision allowance and a 0 SilverSneaker membership.Monthly Premium 29PCP In-Network 15Specialist In-Network 45Inpatient Hospital In-Network 285 per day, days 1-6; 0 per day, days 7-90Out-of-pocket Maximum 5,900 In-Network/ 10,000 CombinedPrescription DrugsPreferred Pharmacies/Non-Preferred PharmaciesTier 1 - Preferred Generic 2/ 10 copayTier 2 - Generic 5/ 20 copayTier 3 - Preferred Brand 47 copayTier 4 - Non-Preferred Drug 100 copayTier 5 - Specialty29% coinsurancePlan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confidential and Proprietary.Distribution to consumers, other insurers, or any other person or company is strictly prohibited and may be grounds for termination of your agreement with Aetna.14
Return to QuickFind MapMid South Market — NORTH CAROLINANorth Carolina/Durham, Orange, Person, WakeAetna Medicare Prime Plan (HMO) (H3931-087)Why You Should Sell This PlanVery competitive 4-star high-value network HMO plan offering Duke, Wake Medical, Duke Raleigh and PersonMemorial for 0 premium and 5 PCP copay. Improved formulary with a 0 copay on 90-day supply of Tier 1prescription drugs (preferred retail and mail order). No Rx deductible on any tiers. Offers extras above Medicare,including both a 250 preventative dental and a 100 vision allowance and a 0 SilverSneakers membership.Monthly Premium 0PCP In-Network 5Specialist In-Network 40Inpatient Hospital In-Network 270 per day, days 1-6; 0 per day, days 7-90Out-of-pocket Maximum 4,500 In-NetworkPrescription DrugsPreferred Pharmacies/Non-Preferred PharmaciesTier 1 - Preferred Generic 2/ 10 copayTier 2 - Generic 5/ 20 copayTier 3 - Preferred Brand 47 copayTier 4 - Non-Preferred Drug 100 copayTier 5 - Specialty33% coinsurancePlan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confidential and Proprietary.Distribution to consumers, other insurers, or any other person or company is strictly prohibited and may be grounds for termination of your agreement with Aetna.14
Return to QuickFind MapMid South Market — NORTH CAROLINANorth Carolina/Cabarrus, Durham, Gaston, Iredell, Mecklenburg, Orange, Person, Rowan, Union, WakeAetna Medicare Value Plan (HMO) (H3931-081)Why You Should Sell This Plan 0 premium, 4-star HMO offering outstanding value through a rich Rx formulary, expanded Tier 1 Rx, expansiveprovider network and robust package of supplemental benefits. This plan has no Rx deductible on any tier. Plan includesa 0 SilverSneakers membership.Monthly Premium 0PCP In-Network 15Specialist In-Network 45Inpatient Hospital In-Network 295 per day, days 1-6; 0 per day, days 7-90Out-of-pocket Maximum 4,950 In-NetworkPrescription DrugsPreferred Pharmacies/Non-Preferred PharmaciesTier 1 - Preferred Generic 2/ 10 copayTier 2 - Generic 5/ 20 copayTier 3 - Preferred Brand 47 copayTier 4 - Non-Preferred Drug 100 copayTier 5 - Specialty33% coinsurancePlan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confidential and Proprietary.Distribution to consumers, other insurers, or any other person or company is strictly prohibited and may be grounds for termination of your agreement with Aetna.142
Return to QuickFind MapMid South Market — NORTH CAROLINANorth Carolina/Alexander, Caldwell, Catawba, Durham, Gaston, Guilford, Randolph, WakeAdvantra Gold (PPO) (H1608-025)Why You Should Sell This Plan4.5-star PPO with competitive copays on frequently used benefits. Strong network with freedom to access care in andout of network. Offers extras above Medicare, including a 250 preventative dental allowance and a 75 visionallowance. SilverSneakers membership is included at 0. Five-tier prescription drug benefit with hundreds of generic Rxon Tier 1 for only 2 (at preferred pharmacies). 0 Rx deductible on all tiers.Monthly Premium 44PCP In-Network 7Specialist In-Network 40Inpatient Hospital In-Network 265 per day, days 1-6; 0 per day, days 7-90Out-of-pocket Maximum 5,500 In-Network/ 10,000 CombinedPrescription DrugsPreferred Pharmacies/Non-Preferred PharmaciesTier 1 - Preferred Generic 2/ 10 copayTier 2 - Generic 5/ 20 copayTier 3 - Preferred Brand 47/ 47 copayTier 4 - Non-Preferred Drug 100/ 100 copayTier 5 - Specialty33% coinsurancePlan designs and service areas described in this document are pending government approval and are therefore subject to change. For producer use only. Confidential and Proprietary.Distribution to consumers, other insurers, or any other person or company is strictly prohibited and may be grounds for termination of your agreement with Aetna.143
Alignment Healthcare Benefit ChartInternal Use Only - Not To Be Given To ProspectsBENEFIT / PLAN NAMECOUNTIESMonthly Plan PremiumMax. Out-of-Pocket LimitMedicare Part B PremiumReductionInpatient HospitalCY2016CY2017Humana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)WakeWake 0 0 4,900 4,900N/AN/A 295 copay days 1-5 0 copay days 6-90 295 copay days 1-5 0 copay days 6-90190 day lifetimelimit in a psychiatric facilityInpatient Psychiatric Hospital 295 copay days 1-5 0 copay days 6-90 295 copay days 1-5 0 copay days 6-90Skilled Nursing Facility (SNF)Plan covers up to 100 days in a SNF.Days 1-20: 0 copay per dayDays 21-100: 160 per day.Plan covers up to 100 days in a SNF.Days 1-20: 0 copay per dayDays 21-100: 160 per day. 10 copay for Medicare covered:Rehabilitation ServicesIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 10 copay for Medicare covered:Rehabilitation ServicesIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 0-45 copay 0-45 copay 75 copaywaived if admitted within 24 hours 75 copaywaived if admitted within 24 hoursPartial Hospitalization 40 copay 40 copayHome Health Services 0 copay 0 copayPrimary Care Physician 0 copay 0 copayCardiac And PulmonaryRehabilitation ServicesEmergency CareUrgently Needed ServicesWorldwide Emergency / UrgentCoverageChiropractic Services
Rehabilitation ServicesEmergency CareUrgently Needed ServicesWorldwide Emergency / UrgentCoverageIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation ServicesIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation ServicesAlignment HealthcareBenefit Chart 0-45 copay 0-45 copayInternal Use Only - Not To Be 75GivenTo Prospectscopay 75 copaywaived if admittedwithin 24 hoursCY2016waived if admittedwithin 24 hoursCY2017HomeHealth ServicesCOUNTIES 0Wakecopay 0WakecopayPrimaryMonthlyCarePlan PhysicianPremium 0 copay 0 0 copay 0 20 copay 4,900 20 copay 4,900 10-40 copayN/A 10-45 copay 10-40 copayN/A 10-45 copayBENEFIT/ PLAN NAMEPartialHospitalizationChiropractic ServicesMax. Out-of-Pocket LimitHumana Gold 40PlusH1036-233 (HMO) Humana Gold 40PlusH1036-233 (HMO)copaycopayChiropractic ServicesOccupationalMedicare PartTherapyB PremiumReductionSpecialistPhysician 45 copay Medicare covered podiatry 10 copay routine podiatry 295yearcopaydayspodiatry1-56 everyroutine 0 copay days 6-90 0 copayPlan covers up to 100 days in a SNF.Days 1-20: 0copaycopay per day 40Days 21-100: 160 per day. 295 copay days 1-5 40 copay 0 copaydays 6-90190 day lifetime 45 copaycoveredpodiatrylimit inMedicarea psychiatricfacility 10 copay routine podiatry 295yearcopaydayspodiatry1-56 everyroutine 0 copay days 6-90 0 copayPlan covers up to 100 days in a SNF.Days 1-20: 0copaycopay per day 40Days 21-100: 160 per day. 10 copay 10-40for Medicarecopay covered:Rehabilitation ServicesIntensive Cardiac Rehabilitation Servicescopay ServicesPulmonary 0-95Rehabilitation 10 copay 10-40for Medicarecopay covered:Rehabilitation ServicesIntensive Cardiac Rehabilitation Servicescopay ServicesPulmonary 0-95Rehabilitation 0-45 copay 0-45 copay 75 copaywaived if admitted within 24 hours 75 copaywaived if admitted within 24 hoursPartial Hospitalization 40 copay 40 copayHome Health Services 0 copay 0 copayPrimary Care Physician 0 copay 0 copayOutpatientMental Health SpecialtyInpatientHospitalPodiatryRoutine PodiatryInpatient Psychiatric HospitalOther Healthcare ProfessionalPsychiatricServicesSkilled NursingFacility (SNF)Physical Therapy and tion ServicesOutpatient DiagnosticEmergency CareOutpatient RadiologyUrgently Needed ServicesWorldwide Emergency / UrgentCoverageChiropractic Services 295 40copaydays 1-5copay 0 copay days 6-90
Alignment Healthcare Benefit ChartInternal Use HealthcareOnly - Not To Be BenefitGiven To ProspectsAlignmentChartBENEFIT / PLAN NAMEBENEFIT / PLAN remiumAmbulatory Surgical Center (ASC)Max. Out-of-Pocket LimitServicesOutpatient Substance AbuseMedicare Part B PremiumOutpatient Blood rtationDurable etic / Medical SuppliesSkilled Nursing Facility (SNF)Diabetes SuppliesDialysis AndServicesCardiacPulmonaryRehabilitation ServicesGiven To ProspectsCY2016 Internal Use Only - Not To BeCY2017Humana Gold PlusH1036-233 (HMO) Humana Gold PlusH1036-233 (HMO)CY2016CY2017Humana Gold PlusH1036-233 (HMO)WakeH1036-233 (HMO) Humana Gold PlusWake 295 0copay 295 0copay 245 copay 4,900 245 copay 4,900 40-95 copay 40-95 copayN/AN/Acopay 295 250copaydays 1-5 0 copay days 6-90 0 copay/24 one way trips to plan approved20% coinsuranceperdateof service 295 copaydays1-5 265 copayperdaysdate6-90of service 0 copay190 wayday lifetime 0 copay/24 onetrips to plan approvedlimit in a psychiatric facility 295days 1-520%copaycoinsurance 0 copay days 6-9020% coinsurancePlan covers up to 100 days in a SNF.0-20%DayscoinsuranceDiabeticSupplies;1-20: 0forcopayper day 10 copayfor DiabeticTherapeuticDays 21-100: 160 perday.Shoes or Inserts 10 copay for Medicare covered:RehabilitationServices20% coinsuranceIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 295days 1-520%copaycoinsurance 0 copay days 6-9020% coinsurancePlan covers up to 100 days in a SNF.0-20%DayscoinsuranceDiabeticSupplies;1-20: 0forcopayper day 10 Dayscopay21-100:for DiabeticTherapeutic 160 perday.Shoes or Inserts 10 copay for Medicare covered:RehabilitationServices20% coinsuranceIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 0-45 copay 0-45 copay 75copay 0 copaywaived if admitted within 24 hours 75copay 0 copaywaived( 45if admittedwithin 24 hourslimit quarterly) 40 copay 0 copay 0 copay 0 copaycopay 0 40 copay 0 copay 0 copay 0 copaycopay 0 0 copay 0 copayAcupunctureEmergencyCareUrgently Needed ServicesWorldwideEmergency lizationMedicare-CoveredZero ual PhysicalExamPrimaryCare PhysicianHealth EducationChiropracticServices
Dialysis ServicesShoes or InsertsShoes or Inserts20% coinsurance20% coinsuranceAlignment Healthcare Benefit ChartInternal Use Only - Not To Be Given To ProspectsAcupunctureBENEFIT / PLAN NAMEOver-the-Counter 0 copayWake 0 copayWake( 45 limitquarterly)Medicare-CoveredZero CostMonthlyPlan PremiumSharing Preventive Services 0 0 copay 0 0 copayMax. Out-of-PocketLimitAnnualPhysical Exam 0 copay 4,900 0 copay 0 copay 4,900 0 copayCOUNTIESItemsCY2016CY2017Humana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)Health EducationMedicare Part B PremiumReductionNursing Hotline / Remote AccessTechnologies (including Web/InpatientHospitalPhone basedtechnologies andNursing Hotline) 0 copayN/A 0 copayN/Acopay 295 0copaydays 1-5 0 copay days 6-90Additional sessions of Smoking andTobacco Cessation CounselingInpatient Psychiatric HospitalCounseling Services 0 copay 295 copay days 1-5 0 copaydays 6-90 0 copay 295 copaydays 1-5 0 copay 0 copay days 6-90190 day lifetimelimit in a psychiatric facility 0 copay 295 copay days 1-5 0 copaydays 6-90 0 copayEnhanced Disease ManagementSkilled Nursing Facility (SNF)Other - readmission preventionBENEFIT / PLAN NAMECardiac And PulmonaryKidney Disease EducationRehabilitation ServicesOther Medicare-CoveredPreventive ServicesEmergency CareMedicare Part B DrugsUrgently Needed ServicesAlignment Healthcare Benefit ChartPlan covers up to 100 daysin a SNF. UseInternalDays 1-20: 0 copay per dayDays 21-100: 160 per day.CY2016Plan coversup Givento 100 daysa SNF.Only - NotTo BeToinProspectsDays 1-20: 0 copay per dayDays 21-100: 160 per day.CY2017HumanaPlusH1036-233PlusH1036-233 10 Goldcopay forMedicarecovered:(HMO) Humana 10 Goldcopay forMedicarecovered:(HMO)Rehabilitation Services 0 copayIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 0 copayRehabilitation Services 0 copayIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Services 0 copay 0-45copay20%coinsurance 0-45copay20%coinsuranceDentalServicesHome HealthServices 75 copaywaived if admitted within 24 hours 45 copay 40 copayPreventive dental services: 0 copay 75 copaywaived if admitted within 24 hours 45 copay 40 copayPreventive dental services: 0 copayPrimary Care Physician 0 copay 0 copayWorldwide Emergency / UrgentHome Infusion Bundled ServiceCoveragePartial HospitalizationChiropractic ServicesOptional Supplemental Dental
BENEFIT / PLAN NAMECY2016CY2017Humana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)copayAlignment Healthcare 0BenefitChartKidney Disease Education 0 copayOther Medicare-CoveredPreventive Services 0 copayMedicare Part B DrugsBENEFIT / PLAN NAMECOUNTIESHomeInfusion Bundled ServiceMonthly Plan PremiumDental ServicesMax. Out-of-Pocket LimitMedicare Part B PremiumReductionInpatient HospitalInpatient Psychiatric HospitalSkilled ServicesNursing Facility (SNF)DentalCardiac And PulmonaryRehabilitation ServicesInternal Use Only - Not To Be 0Givencopay To ProspectsCY2016CY201720% coinsuranceHumana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)20% coinsuranceWakeWake 45 0copayPreventive dental services: 45 0copayPreventive dental services: 4,900 4,900N/A 295 copay days 1-5 0 copay days 6-90 295 copay days 1-5 0 copay days 6-90VAIS: HumanaDental Discount:PlanHumanaDentalcovers up to 100days indoesn’ta SNF.TheprogramDaysany1-20: 0 copaydayreplaceotherdentalpercoverage.Days 21-100: 160 per day.See Extra Services & Programs VAIS DiscountProgramsdocumentforcovered:details. 10copay forMedicareRehabilitation ServicesIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation ServicesEmergency CareUrgently Needed ServicesWorldwide Emergency / UrgentCoverage 0-45 copay 75 copaywaived if admitted within 24 hoursPartial HospitalizationEye ExamsHome Health Services 40 copayPrimary Care PhysicianEye ExamChiropractic Services 0 copay 0 copayOptional Supplemental Dental0% coinsurance for BitewingN/A Xrays up to 1 set(s)per year. 295 copay days 1-5 0% coinsurancefor Amalgam 0 copaydays 6-90or CompositeFilling, Oral Evaluation,(cleaning) up190 dayProphylaxislifetime2 per year. facilitylimit in toa psychiatric 50% coinsurance for Emergency treatment for 295copay days 1-5pain, Extractions,Recementationup to 2 per year. 0 copay days 6-90 70% coinsurance for Scaling and Root PlaningPlan covers up to 100 days in a SNF.(Deep Cleaning) up to 1 every 3 yearsDays 1-20: 0 copay per day.Days 21-100: 160 per day. 70% coinsurance for Adjustments to dentures,Crown, 10DentureRoot Canalup to 1 percopayReline,for Medicarecovered:year. ServicesRehabilitationIntensive Cardiac Rehabilitation ServicesPulmonary Rehabilitation Servicesper year for Adjustments to dentures, Amalgamor Composite Filling, Bitewing Xrays, Crown,Denture Reline, 0-45Emergencycopay treatment forpain, Extractions, Oral Evaluation, Prophylaxis 75 copay(cleaning), Recementation,Root Canal, Scalingwaived ifandadmittedwithin 24 hoursRoot Planing 40 copay 100 copay every year for Contact Lenses, 0 copayEyeglasses - Lenses and Frames. 0 copay
per year for Adjustments to dentures, Amalgamor Composite Filling, Bitewing Xrays, Crown,Denture Reline, Emergency treatment forpain, Extractions, Oral Evaluation, ProphylaxisOnly- NotRecementation,To Be GivenToCanal,Prospects(cleaning),RootScalingand Root PlaningAlignment Healthcare Benefit ChartInternal UseBENEFIT / PLAN NAMEEye ExamsCOUNTIESMonthlyEyeExamPlan PremiumEyewearMax. Out-of-Pocket LimitHearing Exams / Fitting andEvaluation for Hearing AidBENEFIT / PLAN NAMEHearingMedicareAidsPart B PremiumPreferredReductionGeneric Drugs, T1Inpatient HospitalInpatient Psychiatric HospitalSkilled Nursing Facility (SNF)Generic AndDrugs,T2CardiacPulmonaryRehabilitation ServicesEmergency CareUrgently Needed ServicesWorldwide Emergency / UrgentCoveragePartial HospitalizationHome Health ServicesPrimary Care PhysicianPreferred Brand Drugs, T3Chiropractic ServicesCY2016CY2017Humana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO) 100 copay every year for Contact Lenses,Wake and Frames.Eyeglasses - LensesWakeAlignment Healthcare Benefit Chart 0 4,900 0Internal Use Only - Not To Be Given To Prospects 4,900CY2016CY2017Humana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)RETAIL N/ASTANDARD 0 copay 30 day supply 0 295copay90 daysupplycopaydays1-5 0 copay days 6-90MAIL ORDER STANDARD 0 copay 30 day supply 0 295copay90 daysupplycopaydays1-5RETAIL N/ASTANDARD 0 copay 30 day supplycopaydays1-5 0 295copay90 daysupply 0 copay days 6-90day ility 0 copay 30 day supply 0 295copay90 daysupplycopaydays1-5 0 copay days 6-90Out of Network 0 copaydaysupplyPlan coversup -to30100daysin a SNF.Days 1-20: 0 copay per dayTermCareDaysLong21-100: 160per day. 0 copay - 31 day supply 10 copay for Medicare covered:RETAIL STANDARDRehabilitationServices 15copayRehabilitation30 day supplyServicesIntensiveCardiac 45 copay90 day supplyPulmonaryRehabilitationServices 0 copay days 6-90Out of Network 0 copaydaysupplyPlan coversup -to30100daysin a SNF.Days 1-20: 0 copay per dayTermCareDaysLong21-100: 160per day. 0 copay - 31 day supply 10 copay for Medicare covered:RETAIL STANDARDRehabilitationServices 20copayRehabilitation30 day supplyIntensiveCardiacServices 60 copay90 day supplyPulmonaryRehabilitationServicesMAIL ORDER STANDARD 15 copay30copayday supply 0-45 45 copay 90 day supply 75 copaywaived if Outadmittedwithin 24 hoursof Network 15 copay - 30 day supply 40 copayMAIL ORDER STANDARD 15 copay30copayday supply 0-45 60 copay 90 day supply 75 copaywaived ifOutadmittedwithin 24 hoursof Network 20 copay - 30 day supply 40 copayLongCare 0Termcopay 15 copay - 31 day supply 0 copayRETAIL 47 copay 30 day supplyLongCare 0Termcopay 20 copay - 31 day supply 0 copayRETAIL 47 copay 30 day supply
45 copay 90 day supply 60 copay 90 day supplyMAIL ORDER STANDARD 15 copay 30 day supply 45 copay 90 day supplyMAIL ORDER STANDARD 15 copay 30 day supply 60 copay 90 day supplyOut of Network 15 copay- 30 day supplyCY2016Out of Network 20 copay- 30 day supplyCY2017Long Term Care 15 copayWake- 31 day supplyLong Term Care 20 copayWake- 31 day supplyRETAIL 0 47 copay 30 day supply 141 copay 90 day supply 4,900MAIL ORDER STANDARD 47 copay 30 day supply 141 copay 90 day supplyN/AOut of Network 47 295copay- 10 daysday supplycopay1-5 0 copay days 6-90Long Term Care 47 copay - 31 day supplyRETAIL 0 47 copay 30 day supply 141 copay 90 day supply 4,900MAIL ORDER STANDARD 47 copay 30 day supply 141 copay 90 day supplyN/AOut of Network 295copay1-5 47 copay- 10 daysday supply 0 copay days 6-90190 daylifetimeLongTermCarelimitinapsychiatricfacility 47 copay - 31 day supply 295 copaydays 1-5RETAIL 0 copay days100% coinsurance30 6-90day supply100% coinsurance 90 day supplyPlan covers up to 100 days in a SNF.Days 1-20: 0 copay per dayMAIL ORDER STANDARDDays 21-100: 160 per day.100% coinsurance 30 day supply100%coinsurance90 daysupply 10copayfor Medicarecovered:Rehabilitation ServicesOut ofRehabilitationNetworkIntensive CardiacServices100% coinsurance- 30 daysupplyPulmonaryRehabilitationServices1Long Term Care100% coinsurance- 31 day supply 0-45 copay 295 copaydays 1-5RETAIL 0 copay days100% coinsurance30 6-90day supply100% coinsurance 90 day supplyPlan covers up to 100 days in a SNF.Days 1-20: 0 copay per dayMAIL ORDER STANDARDDays 21-100: 160 per day.100% coinsurance 30 day supply100%copaycoinsurance90 daysupply 10for Medicarecovered:Rehabilitation ServicesOut ofRehabilitationNetworkIntensive CardiacServices100%coinsurance- 30 daysupplyPulmonaryRehabilitationServices1Long Term Care100% coinsurance- 31 day supply 0-45 copayRETAIL / 75MAILSTANDARDcopay100%coinsurance30withinday supplyonlywaivedif admitted24 hoursRETAIL / 75MAILSTANDARDcopay100%coinsurance30withinday supplyonlywaivedif admitted24 hours 40copayOutof Network100% coinsurance - 30 day supply 0 copay 40copayOutof Network100% coinsurance - 30 day supply 0 copayLongCare 0Termcopay100% coinsurance - 31 day supplyLongCare 0Termcopay100% coinsurance - 31 day supplyAlignment Healthcare Benefit ChartInternal Use Only - Not To Be Given To ProspectsBENEFIT / PLAN NAMECOUNTIESPreferredBrandDrugs, T3MonthlyPlanPremiumMax. Out-of-Pocket LimitMedicare Part B PremiumReductionInpatient HospitalNon-PreferredBrandHospitalDrugs, T4InpatientPsychiatricSkilled Nursing Facility (SNF)Cardiac And PulmonaryRehabilitation ServicesEmergency CareUrgently Needed ServicesSpecialty Drugs,T5WorldwideEmergency/ UrgentCoveragePartial HospitalizationHome Health ServicesPrimary Care PhysicianChiropractic ServicesHumana Gold Plus H1036-233 (HMO) Humana Gold Plus H1036-233 (HMO)
Long Term Care100% coinsurance - 31 day supplySpecialty Drugs, T5Long Term Care100% coinsurance - 31 day supplyRETAIL / MAIL STANDARDAlignment HealthcareBenefit100% coinsurance30 day supply ChartonlyRETAIL / MAIL STANDARD100% coinsurance 30 day supply onlyInternal Use Only - Not To Be Given To ProspectsBENEFIT / PLAN NAMECO
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Jackson stands in a dark office while RONNIE -- the track veterinarian -- examines him with a portable x-ray meant for horses. RONNIE Stand very straight and still. Take a deep breath and hold it. Jackson breathes in deep. Ronnie clicks a button, sets the portable x-ray aside. RONNIE (CONT'D) OK. Jackson exhales.
Tidewater Community College . Superintendent Information Project Name Tidewater Community College Project Contact Bert Thompson Mailing Address 121 College Place City State Zip Norfolk, VA23510 Phone 757-822-1715 Fax 757-822-1632 Email . bthompson@tcc.edu . PlannerInformatio. n Planner Name . Angela C. Whitehead - Soil Horizons, LLC . Mailing .
Tidewater Quilters’ Guild Newsletter January, 2014 Volume 37, Issue 7 TIDEWATER QUILTERS’ GUILD 6 DAY CHAPTER MINUTES 12/09/2014 NUMBER OF MEMBERS: 58 GUESTS: 0 MEETING NOTES/ ANNOUNCEMENT - Denise McCue opened the meeting at 10:00am A reminder that you receive a f
i. By mutual agreement of Tidewater Community College and Virginia Commonwealth University, or ii. By either party with 180-day prior written notice to the other party. c. In the event of termination, the agreement must be honored for a minimum of three years for current students benefitting from it. IX. Contacts: Tidewater Community College .
Tidewater Community College is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award the associate degree. Contact the Commission on College at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4500 for questions about the accreditation of Tidewater Community College. 1
Page 32 Page 01 R o n n i e S c o t t ' s J a z C l u b J u l y / A u g u s t 2 0 17 Cover artist: George Benson at Ronnie's on Tuesday 4th July (Sold Out) Tune in to a livestream of George's set at 10.15pm on 4th July at ronniescotts.co.uk or our facebook page Ronnie Scott's
Lesson 3 - James 1:13-18 15 Lesson 10 - James 5:1-12 61 Lesson 4 - James 1:19-27 21 Lesson 11 - James 5:13-20 67 Lesson 5 - James 2:1-13 27 Lesson 12 - James Synthesis 73 Lesson 6 - James 2:14-26 35 Appendix - Bible Study Skills 79 Lesson 7 - James 3:1-12 42 Introduction “The book of James is the voice of a great Christian leader whose grasp .
Transactions, the National Finance Center report that shows total disbursements by appropriations and schedule number, to the general ledger and to the Government-wide Accounting (GWA) Account Statement for each appropriation. Any differences must be resolved in a timely manner. Section 6.0 Time and Attendance . Time and attendance is to be recorded accurately to ensure that the presence and .
