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ptlsalp · 3 months

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Insurance: Details about Marketplace plans that were available to me

Based on notes I took while deciding on my new insurance plan, here are some limited details about Marketplace plans that were available to me in the state of Michigan. You may or may not have the same plans available.

Blue Cross Blue Shield PPO

-- Purchase decision: ✅ -- Certificate of Coverage published: ✅ -- -- No stated "one per lifetime" limitation on sterilization: ✅ -- -- Coverage for treatment of complications related to non-covered services: Doesn't exclude coverage: ✅ -- No referral to see specialist: ✅ -- Key providers and facilities in-network: ✅ -- Available plans: Secure, Extra, HSA -- Reject reason: None

Blue Care Network HMO

-- Purchase decision: ❌ -- Certificate of Coverage published: ✅ -- -- No stated "one per lifetime" limitation on sterilization: ✅ -- -- Coverage for treatment of complications related to non-covered services: Doesn't exclude coverage: ✅ -- No referral to see specialist: ❌ -- Key providers and facilities in-network: ✅ -- Available plans: Select, Preferred, Local, Metro Detroit; some of these weren't available in my region -- Reject reason: Need referral to see specialist

UnitedHealthcare HMO

-- Purchase decision: ❌ -- Certificate of Coverage published: ✅ -- -- No stated "one per lifetime" limitation on sterilization: ✅ -- -- Coverage for treatment of complications related to non-covered services: Explicitly includes coverage: ✅✅ -- No referral to see specialist: ❌ -- Key providers and facilities in-network: ❌ -- Reject reason: Need referral to see specialist; Key providers and facilities out-of-network, with smaller network overall

Molina Marketplace HMO

-- Purchase decision: ❌ -- Certificate of Coverage published: ✅ -- -- No stated "one per lifetime" limitation on sterilization: ✅ -- -- Coverage for treatment of complications related to non-covered services: Explicitly includes coverage: ✅✅ -- No referral to see specialist: ✅ -- Key providers and facilities in-network: ❌ -- Reject reason: Key providers and facilities out-of-network

MyPriority Health HMO

-- Purchase decision: ❌ -- Certificate of Coverage published: ❌ -- No referral to see specialist: ✅ -- Key providers and facilities in-network: ✅ -- Reject reason: Certificate of Coverage not published

McLaren HMO

#insurance::marketplace #insurance::certificate #insurance::network #insurance::hmo-ppo #insurance::marketplace::bcbs #insurance::marketplace::bcn #insurance::marketplace::uhc #insurance::marketplace::molina #insurance::marketplace::mypriority #insurance::marketplace::mclaren #strategy::sterilization #strategy::self-pay

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foxgraphics325 · 3 years

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Walmart Insurance Copay

Walmart Copay List

Insurance Copays And Deductibles

Walmart Insurance Copay Assistance

Walmart Insurance For Electronics

2018 WALMART MARKETPLACE NOTICE Enclosed is a copy of the Health Insurance Marketplace Notice which Walmart is required to provide to all new associates to comply with requirements under the Affordable Care Act (ACA). IF YOU ALREADY HAVE EMPLOYER- PROVIDED INSURANCE (OR OTHER QUALIFIED INSURANCE), NO FURTHER ACTION IS REQUIRED. Walmart, Home Depot adopt health insurer tactic in drug copay battle NEW YORK (Reuters) – Walmart (WMT.N) and Home Depot (HD.N), two of the top 10 U.S. Employers, have embraced a health insurance strategy that punishes drugmakers for using discount cards to keep patients from switching or stopping their medications. Answered January 18, 2017 - Overnight Frozen Food Stocker (Former Employee) - Hartsville, SC. The Health insurance does not cost to much, but I cant really remember the cost because its been so long since I worked there.

Compare the details of different medical plans.

But the ACA insurance was a better deal with the subsidies than the Walmart insurance without. I had copays for all my medical visits, PCP, Specialist, etc. But under Walmart's insurance only the PCP has a copay and again for only preventive services. I can't afford to pay a $2500 deductible, especially when I am due to see a specialist in a week. Humana Walmart Value Rx Plan (PDP) Our prescription drug plan has the lowest monthly premium in 47 states & DC. There is a $0 deductible for most covered generic drugs in Tiers 1 & 2.

Walmart Copay List

Choosing a medical plan is a big decision. To make it a little easier, you’ll find details below for each plan we offer.

The following plans are shown in a standardized format called a Summary of Benefits and Coverage (SBC) to help you compare your options.

For more details about the Premier, Contribution, Saver, Local, and some other plans, see the Associate Benefits Book. For more about HMO plans, contact your HMO provider. For a paper copy of any SBC, call People Services at 800-421-1362.

Premier, Contribution, Saver plans

Local plans

Health Net HMO plans

Kaiser Permanente HMO plans

Other HMO plans

eCommerce plans

Hawaii plans

Puerto Rico plans

Sleep Apnea SBC

SBC Glossary

Glossary (PDF)

Need help?

Call People Services at 800-421-1362.

What’s changing for 2021?

There are no major changes to the details of your plan for 2021, so the summary documents on this page apply to your current coverage. However, several 2020 plans are discontinued for 2021. Here are summaries for these plans:

Local plans

Insurance Copays And Deductibles

Emory (PDF)

Mercy—St. Louis (PDF)

Mercy—Oklahoma (PDF)

St. Luke's (PDF)

Select Local Plan (PDF)

Walmart Insurance Copay Assistance

HMO plans

Walmart Insurance For Electronics

BCN East SE (PDF)

BCN West (PDF)

Independent Health (PDF)

UPMC Health Plan (PDF)

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shg11 · 6 years

Link

Nate Murray Contributor

Nate Murray is a programmer, musician and beekeeper. He works at IFTTT and has been working with terabyte-scale data since 2009.

This list describes cryptocurrencies.

Each gets four words. There are many.

Some are landmarks. Some are scams.

Hopefully this provides orientation.

Name | Sym. | Description ----------------|-------|------------------------------------------ Bitcoin | BTC | Digital gold Ethereum | ETH | Programmable contracts and money Bitcoin Cash | BCH | Bitcoin clone Ripple | XRP | Enterprise payment settlement network Litecoin | LTC | Faster Bitcoin Dash | DASH | Privacy-focused Bitcoin clone NEO | NEO | Chinese-market Ethereum NEM | XEM | Batteries-included digital assets Monero | XMR | Private digital cash Ethereum Classic| ETC | Ethereum clone IOTA | MIOTA | Internet-of-things payments Qtum | QTUM | Ethereum contracts on Bitcoin OmiseGO | OMG | Banking, remittance, and exchange Zcash | ZEC | Private digital cash BitConnect | BCC | Madoff-like investment fund Lisk | LSK | Decentralized applications in JavaScript Cardano | ADA | Layered currency and contracts Tether | USDT | Price = 1 USD Stellar Lumens | XLM | Digital IOUs EOS | EOS | Decentralized applications on WebAssembly Hshare | HSR | Blockchain switchboard Waves | WAVES | Decentralized exchange and crowdfunding Stratis | STRAT | Decentralized applications in C# Komodo | KMD | Decentralized ICOs Ark | ARK | Blockchain switchboard Electroneum | ETN | Monero clone Bytecoin | BCN | Privacy-focused cryptocurrency Steem | STEEM | Reddit with money voting Ardor | ARDR | Blockchain for spawning blockchains Binance Coin | BNB | Pay Binance exchange fees Augur | REP | Decentralized prediction market Populous | PPT | Invoice trading futures Decred | DCR | Bitcoin with alternative governance TenX | PAY | Cryptocurrency credit card MaidSafeCoin | MAID | Rent disk space BitcoinDark | BTCD | Zcoin close BitShares | BTS | Decentralized exchange Golem | GNT | Rent other people's computers PIVX | PIVX | Inflationary Dash clone Gas | GAS | Pay fees on Neo TRON | TRX | In-app-purchases Vertcoin | VTC | Bitcoin clone MonaCoin | MONA | Japanese Dogecoin Factom | FCT | Decentralized record keeping Basic Attention | BAT | Decentralized ad network SALT | SALT | Cryptocurrency-backed loans Kyber Network | KNC | Decentralized exchange Dogecoin | DOGE | Serious meme bitcoin clone DigixDAO | DGD | Organisation manages tokenized gold Veritaseum | VERI | Vaporware Walton | WTC | IoT Blockchain SingularDTV | SNGLS | Decentralized Netflix Bytom | BTM | Physical assets as tokens Byteball Bytes | GBYTE | Decentralized database and currency GameCredits | GAME | Video game currency Metaverse ETP | ETP | Chinese Ethereum plus identity GXShares | GXS | Decentralized Chinese Equifax Syscoin | SYS | Decentralized marketplace Siacoin | SC | Rent disk space Status | SNT | Decentralized application browser 0x | ZRX | Decentralized exchange Verge | XVG | Privacy Dogecoin Lykke | LKK | Digital asset exchange Civic | CVC | Identity and Authentication App Blocknet | BLOCK | Decentralized exchange Metal | MTL | Payments with rewards program Iconomi | ICN | Digital asset investment funds Aeternity | AE | Decentralized apps (prototype) DigiByte | DGB | Faster Bitcoin Bancor | BNT | Token Index Funds Ripio Credit | RCN | Co-signed Cryptocurrency Loans ATMChain | ATM | Advertising network Gnosis | GNO | Decentralized prediction market VeChain | VEN | Supply chain item IDs Pura | PURA | Cryptocurrency Particl | PART | Privacy marketplace and chat KuCoin Shares | KCS | Profit-sharing exchange fees Bitquence | BQX | Mint for cryptocurrency investments FunFair | FUN | Decentralized casino ChainLink | LINK | External data for contracts Power Ledger | POWR | Airbnb for electricity Nxt | NXT | Cryptocurrency and marketplace Monaco | MCO | Cryptocurrency credit card Cryptonex | CNX | Zerocoin clone MCAP | MCAP | Mining investment fund Storj | STORJ | Rent disk space ZenCash | ZEN | Privacy-focused Bitcoin clone Nexus | NXS | Bitcoin clone Neblio | NEBL | Decentralized application platform Zeusshield | ZSC | Decentralized insurance Streamr DATAcoin| DATA | Real-time data marketplace ZCoin | XZC | Private digital cash NAV Coin | NAV | Bitcoin with private transactions AdEx | ADX | Advertising exchange Open Trading | OTN | Decentralized exchange SmartCash | SMART | Zcoin clone with rewards Bitdeal | BDL | Bitcoin clone Loopring | LRC | Decentralized exchange Edgeless | EDG | Decentralized casino FairCoin | FAIR | Bitcoin that rewards savers

Coin ranking from coinmarketcap.com.

Inspired by Greg Wilson.

Read more: https://techcrunch.com/2017/11/19/100-cryptocurrencies-described-in-4-words-or-less/

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cryptocoin4us-blog · 7 years

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New Post has been published on http://cryptocoin4us.com/bitcoin-news/100-cryptocurrencies-described-four-words-less/

100 cryptocurrencies described in four words or less

his list describes cryptocurrencies.

Each gets four words. There are many.

Some are landmarks. Some are scams.

Hopefully this provides orientation.

Coin ranking from coinmarketcap.com.

#100 cryptocurrencies described in four words or less

0 notes

brujis · 7 years

Text

100 cryptocurrencies described in four words or less

Nate Murray is a programmer, musician and beekeeper. He works at IFTTT and has been working with terabyte-scale data since 2009.

This list describes cryptocurrencies.

Each gets four words. There are many.

Some are landmarks. Some are scams.

Hopefully this provides orientation.

Coin ranking from coinmarketcap.com.

Inspired by Greg Wilson.

Featured Image: Li-Anne Dias

via TechCrunch http://ift.tt/2zRdc3H

#dayreading

0 notes

ptlsalp · 4 months

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Insurance: Certificates of Coverage for Marketplace plans -- is there no "one per lifetime" limitation?

I'll need to switch to a Marketplace plan effective 3/1 anyway, so I've been shopping for a plan.

What's a Certificate of Coverage?

Here's a good working definition: "A certificate of coverage is an official contract that outlines what an insured is entitled to, and what they aren't insured for, under a health insurance policy."

Of the Marketplace plans available to me, most haven't published Certificates of Coverage, but some have. In my unusual situation, I can only consider Marketplace plans that have published Certificates of Coverage.

Implications of Certificates of Coverage

Regarding the possibility of self-pay:

Some of the Marketplace plans' Certificates explicitly include coverage for treatment of complications related to non-covered services. Notably, none of them exclude this coverage. In contrast, my current private insurance plan explicitly excludes this coverage.

Regarding possible coverage as sterilization:

Under my current private insurance plan, coverage of sterilization under diagnosis code Z30.2 [Encounter for sterilization] is limited to one procedure per member per lifetime. However, these Marketplace plans' Certificates don't state the same limitation. Certificates are contracts, and typically insurers try to exclude everything they can; so, while the absence of an exclusion doesn't imply an inclusion, it's a good sign.

I also noticed that certain other procedures--like bariatric surgery, for example--are limited to one procedure per member per lifetime by these Marketplace plans' Certificates. That tells me that Marketplace plans can impose "one per lifetime" limitations in general, which makes it more notable that there is no stated "one per lifetime" limitation on sterilization coverage.

No stated limitation--I can't be sure yet that there is truly no such limitation, however.

Regarding possible coverage under gender-affirming care:

All Marketplace plans available to me cover gender-affirming care, so this is still a potential route.

Additional considerations

Network: I can only consider Marketplace plans under which all relevant providers and facilities are in-network.

No referral to see a specialist: I can only consider Marketplace plans that don't require a referral from a PCP to see a specialist. I haven't involved my PCP in this process at all. I'd prefer to keep it that way, even if it means I have to pay more for a PPO plan.

#insurance::marketplace #insurance::certificate #insurance::network #insurance::hmo-ppo #insurance::marketplace::bcbs #insurance::marketplace::bcn #insurance::marketplace::uhc #insurance::marketplace::molina #strategy::self-pay #strategy::sterilization #strategy::gac

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