The smartphone in your pocket is a miracle of modern science. Its processing power is millions of times greater than that of the machines NASA used for the Moon landings, and it connects you to a worldwide network of over 3 billion people.
Today’s best diet apps leverage the power of your smartphone to help you take control of your nutrition and health through better eating. Kaiser Permanente tested 10 of the most popular weight loss app choices for Android and iPhone (iOS).
Learn more about this event hosted by the Seattle Metropolitan Chamber of Commerce.
Join Lane Powell, Seattle Metropolitan Chamber of Commerce, Washington Bankers Association, Washington Retail Association and Greater Seattle Business Association on Tuesday, October 23 at the Grand Hyatt in Seattle for this consistently popular Best Practices for Best Employers™ seminar that attendees call “by far one of the best in the country.”
This seminar is ideal for employers, HR professionals, in-house counsel and managers, and will provide the most recent insights in employment practices to comply with fast-changing rules and to avoid disruptive and expensive government audits, charges and employee lawsuits. Join us to learn what to do now to be ready for changes coming in 2019.
Learn more at Lane Powell.
Now you can speak to a health professional without ever leaving your home, and even get prescriptions delivered right to your doorstep. Hear more from local healthcare experts on the impacts of these innovative approaches and what’s to come in health coverage.
Visit the Seattle Metropolitan Chamber of Commerce website for more information and registration details.
- Date(s): Wed, Sep 12, 2018
- Time(s): 12:00 PM – 01:30 PM
- Location: Microsoft Events Center at the Seattle Metro Chamber
- Address: 1301 5th Ave, Ste 1500, Seattle, WA, 98101 (Get Directions)
- Members: $45 pre-paid ($55 as of 9/10)
- Non-Members: $70 pre-paid ($110 as of 9/10)
Questions: Contact Betsy Paige at 206-389-7345
Dr. Chris Cable
Senior Medical Director, Clinical Excellence and Integration
Dr. Ted Conklin
VP of Provider and Customer Engagement
Premera Blue Cross
Virginia Mason Medical Center
Dr. Brad Younggren
Chief Medical Officer
President and CEO
First Choice Health
There are two types of FSAs:
1. Healthcare: For eligible medical, dental, and vision expenses, such as plan deductibles, copays, and coinsurance.
2. Dependent care: For eligible dependent care expenses, such as daycare for a child.
With an FSA, you:
- Save on taxes: You can automatically deposit funds from your paycheck pre-tax into your FSA.
- Pay for eligible expenses: These may include medical, dental, and vision care costs, copays, coinsurance, prescriptions, and some over-the-counter medications.
Paying for eligible expenses is simple
- Use your healthcare payment card like you would a debit card to pay for qualified out-of-pocket medical costs.
- Or pay with your own credit card, cash, or check. Then sign in at SIMON and file the claim for reimbursement by check or direct deposit.
Tip: To manage your FSA online, sign in at SIMON
Great news! All BHT members can take advantage of the tax-savings associated with a Flexible Spending Account. Our Administrator, Vimly, provides FSAs as an additional service. Contact firstname.lastname@example.org.
Health plans can be confusing. But they make a lot more sense when you know a few basic terms.
A deductible is the amount you pay each year for covered healthcare services before your health plan starts to pay. For example, if your plan has a $2,000 deductible: You pay the first $2,000 of covered services. After you meet the deductible, you and the plan each pay part of the cost of healthcare services. Your part of the cost is called either coinsurance or copayment.
A coinsurance is the percentage of covered expenses you pay after you have paid your deductible. For example, if your health plan has a 20% coinsurance and the cost for an office visit is $100: You pay $20 and your health plan covers the rest.
A copayment is a fixed amount you pay for each healthcare service. Copays can vary for different services, and they do not count toward meeting your deductible.
The out-of-pocket maximum is the most you would have to pay for covered services in a plan year. Your out-of-pocket maximum includes the amounts you spend on deductibles, coinsurance, and copayments. When you reach your out-of-pocket maximum, the plan pays 100% for the rest of the plan year.
You will generally pay less when you receive healthcare services from an in-network provider.
Premera Blue Cross offers special perks through the Member Discounts Program.
The program is separate from your medical benefits plan. These member discounts are just another way Premera supports the health of you and your family beyond providing medical coverage.
Popular discount categories include:
• Diet, nutrition, and supplements
• Eye care services and hardware
• Fitness clubs and gyms
• Health products and devices
• Hearing aids and screenings
• Newborn services and products
You and your covered dependents can take advantage of discounts that stretch your dollar and meet a variety of health needs—vitamins and supplements, electric toothbrushes, products to baby proof your home, weight loss programs, and more.
Go to premera.com/discounts for more details. Offers might not be available in all locations. Please check with the company offering the discount before making your purchase.
Premera’s Outpatient Rehabilitation Management program makes sure you get the best care—and the right kind of care—after an illness or injury.
Outpatient rehabilitation, or rehab, benefits are part of every Premera plan. They include therapy you get outside of a hospital admission:
- Massage therapy
- Physical therapy
- Occupational therapy
Ensuring your best care
Premera reviews treatment plans for outpatient rehab that are developed by therapists to make sure you’re getting care that’s both effective and medically necessary. We want you to:
- Get the right care for your condition
- Avoid paying for services that don’t help you recover
- Have benefits available when you need them
What to expect
When your doctor refers you for outpatient rehab:
1. Your therapist assesses your condition and treats you at your first visit. The first 6 visits you need to treat your condition must be medically necessary, but do not need review by eviCore – Premera’s medical review partner.
2. If additional visits are needed beyond the initial 6 to treat the same condition, your therapist tells eviCore about your condition, gets authorization for additional visits, and creates a treatment plan.
3. eviCore’s medical professionals review the plan using medical best practices and clinical
guidelines to determine the medical necessity, and best duration of care.
4. Once your treatment plan is approved, you can proceed with your next visit.
Most plans are reviewed within 24 hours.
Denied? Don’t despair.
If your treatment plan is denied:
- Your therapist can revise and resubmit the plan
- Your therapist can review the plan with an eviCore therapist or medical director
- You may appeal the decision
When your doctor suggests a treatment, it’s important for you to be an active participant in the final decision. After all, it’s your health. Here are some questions to ask to help you make the decision that is best for you.
1. Do I really need this test or procedure?
Ask your doctor to tell you if you really need the treatment, test or procedure and how it will make a difference.
2. What are the downsides?
Your doctor should clearly outline the risks of the treatment, test or procedure, so you can balance them with the potential benefits.
3. Are there simpler, safer options?
You should know all your choices to determine the right one for you.
4. What happens if I do nothing?
Sometimes, doing nothing can be an option to consider seriously.
5. How much does it cost?
Consider your out-of-pocket costs. A simpler treatment may cost less money and be just as effective.
Keep this handy guide in your wallet: Five Questions to Ask Your Doctor.
You can also use the Community Checkup website to see how medical groups and clinics rank in potentially avoidable care.
To learn more visit Own Your Health.
Lifestyle diseases are preventable illnesses linked to a person’s habits. They include serious conditions such as:
- Heart disease
- Type 2 diabetes
- High blood pressure
- Many cancers
Practice these habits to help you enjoy a healthy life:
- Eat a healthy diet: Put colorful fruits and veggies on the menu. Nutritional counseling is part of every Premera health plan. For information, call the customer service number on the back of your card.
- Stay active: Choose an activity you enjoy and you’ll be more likely to stick with it.
- Get enough sleep: Over time, good sleep can benefit your weight, heart, and mood. It may even help you live longer.
Premera has Personal Health Support clinicians who can help you get on track. For information, call 888-742-1479, 6 a.m. to 8 p.m. Monday through Friday; 10 a.m. to 4 p.m. Saturday.
Sign in at premera.com for additional health information, support, and educational resources.
Tip: Another important habit of healthy living is to see your doctor annually. A preventive visit is included in your Premera health plan.