TICE OU! News January, February 2015 Dr. Carl Foster 2015 BOARD OF TRUSTEES OFFICERS Carl Foster, MD - President Barbara Volk, MD - President Elect Danielle Kiko, MD - Secretary - Treasurer Luis Martino, MD - Immediate Past President Jack Baker, DO Jason Bertram, MD David Bitonte, DO Anthony Degenhard, DO Robert Hamilton, MD Mark Hostettler, MD JoAnn Krivetzky, MD Matthew LiCause, MD Katharine Morrison, DO Roger Palutsis, MD Charles Smith, MD Mark Stachel, MD s in the David Utlak, MD re our ordable CREDENTIALS COMMITTEE Todd Meyerhoefer, MD Mark Vogelgesang, MD SCMS EXECUTIVE STAFF Kevin P. Metz, Executive Director Becky Bors, Admin. Assistant INSIDE THIS ISSUE: Lesson on Social Media........................... 3 Night with the Canton Charge!...................4 Locking-Out Lawsuits & Reducing Taxes.... 7 ontgomery tation ies This is my first message as President of the Stark County Medical Society and I want to begin by expressing my appreciation for the honor and privilege of serving our membership. The responsibility placed on me is not taken lightly as we meet the many challenges of the coming year. The coming year will present developments that will challenge the viability of many physician practices. How to Manage Exchange Patients............ 9 113th Annual Meeting.............................11 Announcements......................................12 Revolutionizing Healthcare..................... 13 Welcome New Members......................... 19 Reinstated Members.............................. 19 The individual mandate provision of the Affordable Care Act (ACA) requires that everyone purchase health insurance. Due to the high cost of this coverage consumers are attracted to plans that have high deductibles. According to a recent study published by the Kaiser Family Foundation 80% of covered employees have a deductible and 18% have deductibles of at least $2000. Furthermore, a bronze plan has an average deductible of $5000 for individuals and $10,000 for families. These high deductible plans are attractive because of their lower cost. But patients who have these plans are largely responsible for the payment for their care. This situation puts the onus of timely collections on physician practices. Upfront Dr. Carl Foster payment and partial payment plans are tried and We have access to the politicians true solutions to this problem. A less desirable alternative is and the state medical association. the use of collection agencies because, even when successful, Together, we have a voice that they only recover a fraction of the amount owed. Practices that will be heard! serve price sensitive consumers will be pressured to provide cost estimates for services as these patients shop around for Contact us at the best deals. The delays in implementation of the International Classification of Diseases, tenth addition (ICD-10), are expected to come to an end October 1, 2015. Pluses for the new coding system include purported greater precision and fewer coding errors which should result in fewer denials and speedier reimbursement payments. In addition the system allows for easier accumulation of acuity data for use in negotiations with payers for higher reimbursement rates. Critics have expressed concern that the technology might not work and that it might result in decreased productivity as clinician notes might require greater specificity. Regardless, this thing is coming and practices need to be prepared. A free webinar that helps to prepare practices for the transition to ICD-10 is available from the Center for Medicare and Medicaid Services is accessible at http://www.roadto10.org New modes of healthcare delivery will continue to compete with the traditional physician office model. Telemedicine companies offer patients web-based and mobile-telephone based consultations with physicians whom they have never met. Despite the inherent limitations of a lack of familiarity with their patients, volumes among the leading Telemedicine organizations had doubled between 2011 and 2013. The obvious attraction is the convenience of consulting a physician immediately, without leaving one’s own home. The danger lies in the obvious limitation inherent in there being no personal continued on page 15 [email protected] or call 330-492-3333. We look forward to hearing from you! Opinions expressed by the authors are their own, and not necessarily those of the Stark County Medical Society, Trustees or individual members. SCMS News reserves the right to edit all contributions for clarity and length, as well as to reject any material submitted. www.starkmedical.org SCMS News QUALITY INSURANCE SERVICES The OSMA INSURANCE AGENCY is committed to offering quality insurance services to all OSMA members, their families, and their staffs. The OSMA’s in-house insurance agency is dedicated to providing useful advice, review and planning on a wide range of insurance products and services, all designed to meet the individual and practice insurance needs of member physicians. NEW OSMA Health Benefits Plan - An ACA Alternative BUSINESS INSURANCE PLANS • Group Health HR360 – Online HR Library HR 360 Hotline – Live Call Center Payroll On-line Enrollments ERISA & Health Care Reform (PPACA) Compliance • Flexible Spending, HRA & HSA Administration • COBRA Administration • Patient Care Advocacy Services • • • • • • • • • • • • • • • - OSMA Health Benefits Plan - ACA Health Plans – On and Off Marketplace Workers’ Compensation Medical Malpractice Group Long and Short Term Disability Dental Vision Life Office Overhead Expense Long Term Nursing and Home Health Care Plans Commercial Liability (BOP’s) Voluntary Products INDIVIDUAL INSURANCE PLANS: ACA Health Plans – On and Off Marketplace Medical Malpractice Disability Income Dental Vision Medicare Supplements Life Long Term Nursing and Home Health Care Plans • Auto and Home Owners • • • • • • • • PLANNING SERVICES • Employee/Employer Benefit • HRA Feasibility Study • Retirement For details on OSMA insurance benefits call us at (800) 860-4525 or visit www.osmains.com. 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Data RSecovery estoration •• Spam, pyware, /V Rirus removal In partnership withUp /– RPestoration Data RBecovery ack-‐ ersonal Plans (HIPPA Compliant) For a custom quote for all your IT Support needs please •• Data the•Stark County • Data Data ack U–p U–p Professional (HIPPA Compliant) contact Rob Johnston at 330-915-2355. BBack-‐ P–ersonal Plans P lans (HIPPA Compliant) Medical Society • Data B ack-‐ U p – S mall B usiness S erver P lans – ( HIPPA C ompliant) • Data Back – Up – Professional Plans (HIPPA Compliant) Stark County Medical Society Members will receive a IT Consulting •• Data Back-‐Up – Small Business Server Plans – (HIPPA Compliant)20% discount for the first 6 months and 10% Communications (RingCentral, Meetings, etc…) •• IT Consulting thereafter for the other 6 months. • On S ite Support • Communications (RingCentral, Meetings, etc…) • 4652 Remote Support (Helpdesk) Belden Village Street NW, Canton, Ohio 44718 • 330.915.2355 • www.strongbasehc.com • Network (LAN,WAN) – SBC not run cables in Ceilings or walls. with tShe Stark County Medical Society • Spam, pyware, Virus removal 2 In partnership In partnership w ith t he S tark C ounty M edical S • Data Recovery / Restorationociety Stark County Medical Society January - February 2015 DOCTOR’S, HERE’S YOUR LESSON ON SOCIAL MEDIA By Diane Evans Understanding social media is easy when you break it down to things you personally and professionally need to know. If you’re a physician, platforms such as Healthgrades.com and Vitals.com matter greatly to you. Why? Because research shows that prospective patients evaluate you by checking ratings sites. Let’s start with a simple definition of social media: It is word-ofmouth communication empowered by the Internet. Previously, word-of-mouth spread mainly in person or over the telephone. But now the Internet enables one person’s voice to reverberate throughout a community or even around the globe. For those in healthcare, if you want your message to reach a desired audience, a good exercise is to think about exactly how that might happen. Here is a possible scenario: Let’s say your hospital or medical practice has collected email addresses from patients who agree to receive your e-newsletters. You now have a subscriber list. Next an email goes out, announcing a new internist on staff. Someone who receives this information forwards the announcement to a friend who needs a physician. “Hearing” about you, the friend calls for an appointment. That’s word-of-mouth, spread by one person clicking information over to another. By sending out the newsletter, you as the healthcare provider created an easy opportunity for patients to share information about you. Here are other common ways through which people can learn about you and your medical specialties online: 1) Your website. This is the space on the Internet that you control. It’s where you tell your story without distraction from anyone else. This is the online equivalent of a Yellow Pages ad and a place where you can convey that which differentiates you and how patients can benefit. 2) Online directories such as Google+, Heathgrades.com, Vitals.com and WebMD.com. These listings publicize your name, phone number, address, and far more, including patient reviews. Frequently, even basic contact information is in error. Your best bet: “Claim” your listings and take advantage of the free advertising space available to you. You may be surprised by the significant volume of information you or your designee can load onto these sites. Make no mistake. Prospective patients do rely on these online directories when evaluating healthcare providers. Consider this finding from a 2014 report titled, Finding Quality Doctors: How Americans Evaluate Provider Quality in the United States, funded by the Robert Wood Johnson Foundation: Provider quality information sources among those who used the information they saw or heard Sources of Information % Who saw or heard information from source Through friends or family 63 On a ratings website 53 Directly from a doctor 53 Online on a community or advocacy groups’s website 48 Provided by health insurance company 44 In a newspaper or magazine 39 Online on a government website 38 Somewhere else 36 3) Your own use of social media. Keep in mind that whatever you post online could end up defining your professional reputation. Let’s say you Tweet. Think about what you’d like to communicate, to whom and why. If you’re calling attention to a new study you think people should know about, that’s useful coming from a medical professional. However, if you’re Tweeting that you’ll be attending a wedding today (yes, that’s a real example), ask if that is what you want to broadcast to the general public. One way to gauge yourself: When you speak in public, what are the parameters you set for yourself? At the very least, it’s a good idea to stay within those same parameters when speaking to others via any widely accessible social media platform. ABOUT THE AUTHOR: Diane Evans is Managing Partner of M.E.D. Media Mart, an online store offering marketing, education and design services for health and human services providers. M.E.D. Media Mart is a sponsor of the Stark County Medical Society and specializes in website development, online identity control and marketing for doctors, hospitals and nonprofits. You can email Diane Evans at [email protected] or call M.E.D. Media Mart at 330-615-6330. 3 Stark County Medical Society Night Stark County Medical Society Night with the Canton with the Charge! Canton Charge! SCMS News Join fellow members families ofand SCMS as the Canton Charge Joinand fellow members families of SCMS as the Canton Charge take on the Reno Big Horns! Sign up early because the first 30 take on the Reno Big Horns! Sign up early because the first 30 kids will have the opportunity to high five the players as they kids will have the opportunity to high five the players as they come on thethe court.Canton Charge! Stark County Medical Society Night with come on the court. Join fellow members and families of SCMS as the Canton Charge take on the Reno Big Horns! Sign up early because the first 30 kids will have the opportunity to high five the players as they come on the court. Thursday, February 12, 2015 Join fellow members and families of SCMS as the Canton Charge CANTON v. Reno Thursday, FebruarySign 12, 2015 take on the Reno Big Horns! up early because the first 30 at 7:00 CHARGE kids will have the opportunity to TIP-OFF high five thep.m. players as they CANTON v. Reno come on the court. CHARGE TIP-OFF at 7:00 p.m. Stark County Medical Society Night with the Canton Charge! Three Ways to Order 1. MAIL: Complete the form below with payment to: 1101 Market Ave. North Canton, OH 44702 Attn: Mike DeAngelo 2. FAX: Completed Order Form with credit card # to: 330-489-1703 3. ONLINE: https://cantoncharge.formstack.com/forms/scms Three Ways to Order 1. MAIL: Complete the form below with payment to: 1101 Market Ave.Thursday, North Canton,Febru OH 44702 DeAngelo aryAttn: 12,Mike 2015 2. FAX: Completed Order Form with credit card # to: 330-489-1703 Number of $16.50 tickets (Discounted from $21.50) SCMS 3. ONLINE: https://cantoncharge.formstack.com/forms/scms Upper Centers Rows H-M THREE WAYS TO ORDER TOTAL CANTON v. Reno 1. MAIL: Complete this form with payment to 1101 Market Ave. North Canton, OH 44702 SCMS Attention: Mike DeAngelo Canton vs. Reno CHARGE TIP-OFF at 7:00 p.m. PAYMENT OPTIONS: PURCHASER Number of $16.50 tickets (Discounted from $21.50) Upper Centers Rows H-M EXP: TOTAL Canton vs. Reno 2. FAX: Completed Order Form with credit Ways toADDRESS Order Three CITY STATE card # to 330-489-1703 1. MAIL: Complete CHECK: TO THEwith CANTON CHARGE thePAYABLE form below payment to: PAYMENT OPTIONS: $ CHECK: PAYABLE TO THE CANTON CHARGE CHARGE: VISA/MC/DISC/AMEX CARD #: $ ZIP CHARGE: VISA/MC/DISC/AMEX PHONE ( Ave. ) North Canton, OH 44702 Attn: Mike DeAngelo 1101 Market CARD #: EXP: 3. ONLINE: https://cantonharge.formstack. Order Form with credit card # to: 330-489-1703 2. FAX: Completed EMAIL # OF CHILDREN PARTICIPATING TUNNEL: com/forms/scms 3. ONLINE: https://cantoncharge.formstack.com/forms/scms PURCHASER Questions: Contact Mike DeAngelo Ph: 330-489-5952 Em: [email protected] ADDRESS CITY STATE ZIP SENIORS Helping SENIORS® PHONE ( ) SCMS Number of $16.50 tickets (Discounted from $21.50) Upper Centers Rows H-M # OF CHILDREN PARTICIPATING TUNNEL: ® Reno ...a wayCanton tovs.give and to receive EMAIL TOTAL SUBSCRIBE AND $ FOLLOW OUR NEWS CHECK: PAYABLE TO THE CANTON CHARGE Complete these simple steps: Contact Mike DeAngelo Ph: 330-489-5952 Em: [email protected] PAYMENT OPTIONS: CHARGE: VISA/MC/DISC/AMEX • Friendly Questions: Compassionate Care CARD #: EXP: • Quality Service You Can Trust 1. Go to www.starkmedical.org PURCHASER • Dependable Caregivers ADDRESS We provide CITY personal care, companionship STATE and assistance with caregivers you can rely on. PHONE ( ) 330-499-6015 • EMAIL ZIP 3. Click on subscribe 4. You will be notified via email # OF CHILDREN PARTICIPATING TUNNEL: seniorcarecantonoh.com when we post information to ©2014 Seniors Helping Seniors. Each office is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Contact Mike DeAngelo Ph: 330-489-5952 Em: Resources Inc. Not all services are available inQuestions: all areas. 4 2. At the bottom of the home page, enter your email address this section on the website [email protected] Stark County Medical Society January - February 2015 ONLINE STORE FOR medmediamart THEMEDICAL PROVIDERS M A R K E T I N G • E D U C AT I O N • D E S I G N PHONE: 330.615.6330 EMAIL: [email protected] Offering resources for patient education, apparel, web design, web hosting, custom print design, and more! 5 SCMS News We Understand Commitment. For decades, Edward Jones has been committed to providing financial solutions and personalized service to individual investors. You can rely on us for: • Convenience Locations in the community and face-to-face meetings at your convenience • AQuality-focusedInvestmentPhilosophy A long-term approach that focuses on quality investments and diversification • HighlyPersonalService Investment guidance tailored to your individual needs Call or visit today. Adam P Olenick, AAMS® Financial Advisor . 4663 Dressler Road Nw Thursday's Plaza Canton, OH 44718 330-493-0047 6 www.edwardjones.comMember SIPC Stark County Medical Society January - February 2015 Program Topics will include: 03/19/15 6:15 pm DATE Cash Bar & Social 03/19/15 03/19/15 3/19/15 6:45 pm Dinner 6:15 pm Bar 6:15 pmCash Cash Bar& &Social Social TIME 6:15 pm 7:15 pm Program 03/19/15 6:45 pm 6:45 pmDinner Dinner Cash Bar & Social 1.) Maintain the focus of your medical practice on improved patient care Program Topics will include: Program Topics include: rather than will malpractice defense 2.) Structure your practices for malpractice protection and prevention 3.) Reduce malpractice insurance costs, as well as, taxes Maintain the focus your medical practice improved patient care 1.)1.)Maintain the focus of of your medical practice on on improved patient care rather than malpractice defense rather than malpractice defense 2.)2.)Structure your practices forfor malpractice protection andand prevention Structure your practices malpractice protection prevention Program Topics will include: Presenter: 3.)3.)Reduce malpractice insurance costs, as as well as,as, taxes Reduce malpractice insurance costs, well taxes 1.) Maintain the focus of your medical practice on improved patient care Daniel J. than McNeff, CEO, Legally Mine, Inc. rather malpractice defense Presenter: Presenter: 2.) Structure your practices for malpractice protection and prevention 6:15 pm Cash Bar & Social 7:15 pm 7:15 pmProgram Program 8:30 pm Adjourn 6:45 pm Dinner 6:45 pm Dinner 8:30 8:30pm pmAdjourn Adjourn 7:15 pm Program 7:15 pm Program 8:30 pm Adjourn 8:30 pm Adjourn 3.) Reduce malpractice insurance costs, as well Daniel McNeff, Legally Mine, Inc. InJ.addition toCEO, running his own businesses the as, lasttaxes 20 years he has served as Senio Daniel J. McNeff, CEO, Legally Mine, Inc. for Vice President of one of the Nation’s largest financial services companies for 15 InIn addition toPresenter: running own businesses forfor theone lastbook 20 20 years he has served as Senior addition to running his own businesses the last years he has served asand Senior years. He is a his published author with and many magazine newspaper ar Vice President of one of the Nation’s largest financial services companies for 15 Vice ticles. President of one of the Nation’s largest financial services companies for 15 J. McNeff, CEO, Legally Mine, Inc. years. HeHe is is aDaniel published author with one book and many magazine andand newspaper ar- aryears. a published author with one book and many magazine newspaper ticles. ticles.Mr. McNeff In additionhas to running his own businesses the last 20and years has served asfor Senior conducted hundreds offor seminars ishe responsible helping thou Vice President of one of the Nation’s largest financial services companies for 15 sandsyears. of conducted people protect their andand reduce theirmagazine taxfor liabilities. Mr. McNeff has hundreds ofassets, seminars is responsible helping thouis a published author with one book and andhelping newspaper arMr. McNeff has He conducted hundreds of seminars and ismany responsible for thousands of people protect their assets, and reduce their tax liabilities. ticles. sands of people protect their assets, and reduce their tax liabilities. Mr. McNeff has conducted hundreds of seminars and is responsible for helping thousands of people protect their assets, and reduce their tax liabilities. Legally Mine, Inc. Legally Mine, Inc. Legally Mine, Inc. Asset Protection & Tax Reduction Structures Asset && Tax Reduction Structures AssetProtection Protection Tax Reduction Structures Legally Mine, Inc. Asset Protection & Tax Reduction Structures to Locking-out Lawsuits andReducing Reducing Taxes Keys to Locking-out Lawsuits and Reducing Taxes Keys to Lawsuits and Taxes Keys toLocking-out Locking-out Lawsuits and Reducing Taxes Keys to Locking-out Lawsuits and Reducing Taxes PLEASEPMAKE MY RESERVATION(S): MY RESERVATION (S): PLEASELEASE MAKEMAKE MY RESERVATION (S): PLEASE MAKE MY RESERVATION(S): MEMBER NAME:____________________________________________ AME:____________________________________________ MEMBER NM AMEN :____________________________________________ MEMBER EMBER NAME:____________________________________________ STARK COUNTY MEDICAL SOCIETY 4942 Higbee Ave., NW Suite L Canton, OH 44718 SPOUSE/GUEST NAME:________________________________________ /GSUEST N AME :________________________________________ SPOUSE /GUEST NAME SPOUSE POUSE /G UEST NAME:________________________________________ :________________________________________ COMPLIMENTARY OMPLIMENTARY CC COMPLIMENTARY OMPLIMENTARY This meeting is free for all SCMS Active, Retired, and Resident memThis is meeting is free for all SCMS Active, Retired, and ResidentmemmemThisMember’s meeting freeisfor all for SCMS Active, Retired, and This meeting free all SCMS Retired, and Resident members. spouses/staff members areActive, welcome to Resident attend for bers. Member’s spouses/staff members are welcome to attend for bers. Member’s spouses/staff members are welcome to attend for FREE.bers.FREE. Member’s spouses/staff members are welcome to attend for FREE. FREE. th Please RSVP Advance reservations are requested by Friday, MarchMarch 13th. th13 . Please RSVP Advance reservations are requested by Friday, . Please RSVP Advance reservations are requested by Friday, March 13 bythe returning the form attached formatby330.492.3347 fax at 330.492.3347 or by calling th the by returning attached by fax or byMarch calling the Advance reservations are byrequiring Friday, 13 . Please RSVP by returning the form byrequested fax at 330.492.3347 byplease calling the office at attached 330.492.3333. For reservations aor payment, please office at 330.492.3333. For reservations requiring a payment, Phone: 330.492.3333 by returning the attached form byrequiring fax at 330.492.3347 orSociety. by calling the sendalong this form yourtocheck toCounty Stark County Medical office 330.492.3333. For reservations aMedical payment, please Stark County Medical Society send thisatform withalong yourwith check Stark Society. th Stark Medical Society Fax:County 330.492.3347 avoid a “no-show” fee. Cancellations by noon on March 13 office at 330.492.3333. For reservations requiring a payment, th send this form your 13 check to Stark County Medical Society. please avoid a “no-show” fee. by along noon with on March Stark County Medical SocietyAve.,Cancellations 4942 Higbee NW Suite L th 4942 Higbee Ave., NW Suite L send this form along with your check to Stark County Medical Society. Canton, Ohio 44718 StarkOhio County Medical Society Cancellations by noon on March 13 avoid a “no-show” fee. Canton, 44718 [email protected] 4942 Higbee Ave., NW Suite L Cancellations by noon on March 13th avoid a “no-show” fee. Phone: 330.492.3333 Canton, Ohio 44718 4942330.492.3333 HigbeeFax: Ave., NW Suite L 330.492.3347 Phone: Canton, Ohio 44718 Fax: 330.492.3347 Phone: 330.492.3333 [email protected] Fax: 330.492.3347 [email protected] Phone: 330.492.3333 Fax: 330.492.3347 [email protected] 7 SCMS News Lives Change, Change, But it remainsLives important to partner with But it remains important to trust. partner with professionals we can professionals we can trust. Contact: Contact: MELINDA REISS Melinda Reiss Melinda ® REALTOR Melinda Reiss REALTOR® Multi-Million Dollar REALTOR® Producer 8 M(330) ELINDA REISS cell: 417-5687 cell: (330) 417-5687 office: (330) 499-8153 X 316 office: 499-8153 X 316 email: (330) [email protected] email: [email protected] www.melindareiss.com www.melindareiss.com ▪ BUYING BUYING ▪▪ SELLING ▪ SELLING ▪ RELOCATING ▪ RELOCATING SERVING ALL OF YOUR SREAL ERVING ALL OF YOUR ESTATE NEEDS ! REAL ESTATE NEEDS! Stark County Medical Society January - February 2015 How to Manage Exchange Patients Scott P. Sandrock & Angela Codougan Brennan, Manna & Diamond, LLC In order to help lower the cost of mandatory health insurance coverage, the Affordable Care Act (“ACA”) includes an advanced premium tax credit which reduces premiums for individuals with a household income from 100-400% of the federal poverty level. What happens if the patient fails to pay the premiums? The ACA creates a 90-day grace period for nonpayment of plan premiums. This grace period allows these enrollees to keep health coverage as long as all premiums owed are paid by the end of the grace period. The ACA places the burden of paying for services provided during the first 30 days of the grace period on insurers. However, physicians may be stuck for services provided during days 31-90. Therefore, physicians need to be aware of the new ACA provisions and should take proactive steps to protect themselves. Under the ACA, an insurer must continue to pay claims submitted by a health care provider for services provided to an enrollee during the first 30 days of the grace period as if the enrollee had paid all premiums. For services performed during days 31-90, an insurer may “pend” submitted claims. If the enrollee pays all outstanding premiums before the grace period is over, coverage continues with no lapse, and the insurer is required to pay claims for that period. However, if the enrollee does not pay all outstanding premiums before the grace period is over, the insurer may then terminate coverage retroactively and deny all provider claims for services provided to the enrollee during days 31-90. In the alternative, the insurer may pay claims during the grace period and then later deny the claims and recoup money from providers should the enrollee fail to pay required premiums. Insurers are required to notify providers of the possibility of denied claims where enrollees are in the second and third month of the grace period. At a minimum, the insurers must notify providers who submit claims during this time. Unfortunately, there is no penalty if the insurers fail to give the notice. Some insurers have created policies to automatically notify patients’ primary care providers and any providers that have submitted claims within a set period of time prior to the start of the grace period as well. After expiration of the grace period, insurers may terminate coverage effective day 31 one and deny all claims for services provided during days 31-90. Once coverage is terminated due to nonpayment, the physician may collect any claims due directly from the enrollee and is not limited to the payer’s maximum allowable charges. However, practically, a patient that is unable to pay premiums may also be unable to pay the provider’s charges for services. Even if the provider is paid directly by the patient, the physician has waited in excess of 90 days. This waiting and uncertainty is certain to affect the bottom line for many physicians. Therefore, we recommend that physicians take proactive steps to try to minimize any negative impact of the 90-day grace period. FIRST: Physicians should have their staff check to see if an exchange patient is current with their premiums, or are in the grace period when they first come for services. You cannot assume that the patient’s first visit magically falls within the guaranteed 30 day payment period as opposed to the patient arriving in your office on day 32, putting the physician at risk of nonpayment. We have checked with a number of the Ohio exchange products and it appears most will verify upon inquiry if the patient is current on their premiums. Despite what patients may claim, a physician is not required to provide medical services to a non-paying patient, except for emergency services which are fairly limited in nature. There is a cautionary note for that decision, however. If the patient never pays the premium, the insurance company never has to pay for the services, but if the patient were to pay the premium prior to the 90-day grace period, the claims would be processed. While the insurance company is not at risk in the second and third month, the physician who declines to schedule a patient may technically not be meeting the terms of their provider agreement to see patients who are “covered” by those plans. SECOND: Physicians should make sure someone is assigned the role of reviewing notices related to a grace period and make sure your staff knows what to do if a notice arrives. THIRD: Physician could verify insurance status at the time of providing service. If it is not practical or feasible to verify insurance every visit, providers should verify coverage at least monthly to reduce the risk of nonpayment. Where patients are behind on premiums, providers may want to consider whether to suspend provision of non-emergent services. FOURTH: Make sure your staff understands that pre-authorizations are based on medical necessity only and may not reflect precontinued on page 16 9 SCMS News w w w. p a n d p m e d i c a l s o l u t i o n s . c o m PRESCRIPTION MEDICATION HELP FOR THE UNDERINSURED You may qualify for prescription medication help if you: Are a Stark County Resident Meet our Income Guidelines Have high medical co-pays and/or high deductibles Call 330-445-1087 To Make An Appointment MEDLINE OFFERS THE FOLLOWING RESOURCES TO SUPPORT SCMS PREFERRED MEMBERS: Physician Office Catalog - Over 30,000 clinically proven products and supplies at manufacturer direct pricing Medline University® - Over 250 FREE online, on-demand courses, many with CEU credits Medline.com - Access your account 24/7 for online ordering, order template guides and reporting analysis Scrubs123® - Buy scrubs and physician coats direct from the manufacturer at significant savings compared to retail locations Contact Medline Account Manager, Candace Bombay at 330-488-7755 or [email protected] Physician Office Services Helping You Improve the Health of Your Practice™ ©2014 Medline Industries Inc. Medline®, Medline University® and Scrubs123® are registered trademarks of Medline Industries, Inc. MKT1433936 10 You will be asked to bring the following to your appointment: Photo ID Social Security Cards for EVERYONE in the Household Income Verification for EVERYONE in the Household Verification of Address Receipts or Bills for all Household Expenses Charitable Pharmacy Income Guidelines One person household....... Two person household...... Three person household... Four person household..... $29,175 $39,325 $49,475 $59,625 This is NEW SERVICE for the underinsured of our community. It is designed to help those people with high co-pays and/or those who are having trouble accessing their health care insurance due to very high deductibles. 408 Ninth St. SW • The Community Campus Canton, Ohio 44707 • Phone: 330-445-1087 Stark County Medical Society January SCMS 113 TH Annual Meeting October 16, 2014 Stark County Medical Society Honors: Arnold Rosenblatt, M.D. with Lifetime Achievement Award! - February 2015 In Recognition of our 2014 retired Members Glenn Blankenhorn III, D.O. Victor Dunham, M.D. George Vogelgesang, D.O. In Recognition of 50 Years in Medicine Arnold Rosenblatt, M.D. & Luis Martino, M.D. This award is in recognition of Dr. Rosenblatt’s enormous contributions that he has given to our medical community. Born and raised in Boston, Massachusetts, Dr. Rosenblatt received his Bachelors of Science from Dartmouth College in 1959. He received his Doctor of Medicine from Tufts University School of Medicine in 1963, and after one year of internship and residency in internal medicine at Boston City Hospital. He served at Fitzsimmons General Hospital for the U.S. Army and completed his residency in internal medicine at Metropolitan General Hospital in Cleveland, Ohio June of 1969. James Burkholder, M.D. Luisa Fabella, M.D. Ricardo Limardo, M.D. Richard Maioriello, M.D. Marino Ong, M.D. Gerald Smith, M.D. Roger Vincent, D.O. Professional Accomplishments include: • July of 1969 through December 2009 partner at Mansard Medical Associates and on the medical staff at Aultman Hospital • 1978 through 1994 clinical associate professor at North Eastern Ohio University College of Medicine • 1985 through 1990 chairman of the department of internal medicine at Aultman Hospital • 1985 through 1999 steering committee member of the Canton Medical Education Foundation • 1989 through 1990 president-elect of the medical staff at Aultman Hospital • 1991 through 1992 president of the medical staff at Aultman Hospital • 1991 through 1991 board of trustees at Aultman Hospital • 1993 through 1999 chair of the Canton Medical Education Foundation Following his retirement from Mansard Medical Associates, Dr. Rosenblatt went on to volunteer his time at the free clinic in Massillon to give back to the community that he continues to serve today. Congratulations Dr. Rosenblatt! 11 SCMS News Announcements he PREFERRED VENDOR PROGRAM Our Preferred Vendors bring you a variety of services to save time and money. The Society’s preferred business partnership program is designed to offer special services and discounts to Society members. To learn more about the discounts offered, contact the representative below or go to www.starkmedical.org and click on the Preferred Vendor links. Accu Medical Waste Services Jim & Doug Parks - 866.696.8379 Aflac: Yen Huhnh - 330.285.2831 Huntington Merchant Services [email protected] - 330.354.9016 Huntington Bank Bobbi Richardson - 330.498.5550 Huntington Insurance: Ed Hassay - 330.742.5307 Medline: Candace Bombay-Huelf - 330.488.7755 Sirak Insurance Partners Sheila Klenner/Barry Riggs - 800.229.5299 Sunlit Communications Diane Evans – 330.869.5191 SureShred: Timothy Casper - 330.479.7899 REFER A COMPANY If you know of a company that might be interested in the Society’s Preferred Vendor Program or if you would like to suggest a service that you think the Society should consider, contact Kevin or Becky at strakmedical@ ameritech.net or 330.492.3333. SAVE THE DATE ICD 10 Webinar Wednesday, January 14, 2015 at AM “A Cutting Edge Approach to Healthcare Access and Affordability” Webinar Wednesday, January 28, 2015 Stark County Medical Society Night at the Canton Charge Reno Big Horns vs Canton Charge Thursday, February 12, 2015 SPECIAL THANKS On October 22nd the Society hosted “How Office Staff Can Control Use of a Doctor’s Name Online” We would like to thank our presenters Diane Evans, SunLit Communications and medmediamart.com, and Karen Lefton, The Lefton Group, LLC. Special thanks to the our sponsors: Accu Medical Waste Services, Aflac, Edward Jones, Huntington Bank, Huntington Insurance, Medline, Metlife, Sirak Insurance Partners, StrongBase Consulting, SunLit Communications, SureShred, and The Uniform Place. STARK COUNTY MEDICAL SOCIETY TO OFFER HEALTH BENEFITS PLAN FOR MEMBERS The Society has held two information meetings on the formation of a Multiple Employer Welfare Arrangement also known as a MEWA. What is a MEWA you ask? A MEWA is an arrangement offering health coverage and other benefits to employees of two or more employers. How would this work for SCMS? In essence, the members of SCMS would band together to form and fund a medical plan which would provide benefits to their employees. We have been advised that a MEWA could provide coverage at a cost which is 5 to 10% below a fully insured plan. Brenda Basso from Business Benefits of Ohio has been working with the Board to develop this health benefits alternative. Private, onsite informational meetings can be arranged. For more information please contact Kevin at [email protected] or 330.492.333. HIPAA The Federal Office of Civil Rights which is the agency charge with HIPAA compliance and enforcement has announced that it will be stepping up its HIPAA audits during 2015. They recently reported that based on pilot audits this year that a high percentage of Covered Entities did not have a current risk assessment in place at the time of the audit. You may want to review your current HIPAA plans and the OCR Guidance which can be found at http://www.hhs.gov. 12 lace THURSDAY’S PLAZA: 4685 DRESSLER RD. NW CANTON 330-492-2826 Specializing in: On-Site Fittings Payroll Deduction Group Coordination Uniform Allowances Large Selection In Stock: Cherokee® • Baby Phat® Koi® • Tooniforms® • Jockey® Landau® • Barco® Skechers® • Peaches® Grey’s® • Dickies® Marc Ecko® • Scrubworks® Littman® Stethescopes Cherokee® Work Wear and more! WITHTHIS THISCOUPON COUPONNOW NOW THROUGH JANUARY 1, 2013 WITH THROUGH FEBRUARY 28th, 2015 RECEIVE 15 * OFF % YOUR ENTIRE PURCHASE WHEN YOU PRESENT YOUR MEDICAL BADGE! *Cannot be combined on any other offers or on previous purchases. Cannot be used on “Buy Two & Save Pricing” & clearance merchandise. This offer has no cash value and is not redeemable for cash. Applies only to merchandise purchased from he lace THURSDAY’S PLAZA: 4685 Dressler Rd. NW Canton 330-492-2826 Stark County Medical Society January - February 2015 Fast, Easy, and Secure. Stark Medical Society and Huntington Merchant Services – industry leaders – have teamed up to bring fast, secure, effortless payments to help save you money. Stark County Medical Society and Huntington Merchant Services bring you the following benefits: • Speciallowpricingforassociationmembers • Acceptvirtuallyallcardtransactiontypes • Helpimprovecashflow–Receivefundsquicklyfromthebankofyourchoice • Onlinereportingandaccountinformationincludedvirtuallyanywhere,anytime • Receivepersonalizedsupport–24/7customerserviceandtechnicalsupport For more information, contact Bobby Greco at 330-354-9016 or [email protected] Bobbi Richardson at 330-258-4454 or [email protected] The Huntington National Bank, Member FDIC. ® and Huntington® are federally registered service marks of Huntington Bancshares Incorporated. Canton Calvary Mission Cordially invites you to attend Presenter: P & P MEDICAL SOLUTIONS 4791 Munson Street NW, Canton, OH 44718 www.pandpmedicalsolutions.com • 330.494.9969 Office P&P Medical Solutions helps private practices, aspiring practice owners, hospital executives and commissions and boards build a stronger, healthier future. You must register via email: Send a request email to [email protected]. You will receive your User ID and Password via email. You need this information the day of the webinar. Registration deadline is January 26th Family Living Center January 28th 11:00 am until 12:00 noon Topic: “A Cutting Edge Approach to Healthcare Access and Affordability” Refuge of Hope REVOLUTIONIZING HEALTHCARE The state of healthcare as we know it presents challenges. Even with the world’s best health system, a growing breed of practitioners feel like things could be measurably improved. If this sounds like you, then please attend our FREE Webinar. Thursday, January 29th, 2015 6:00pm - Raffles Dinner at 7:30pm Glenmoor Country Club • Benefiting • Canton Calvary Mission - Family Living Center Hope Outreach Ministries - Refuge of Hope Poverty can affect every area of a person’s life, including health, school achievement, job security, cognitive ability, and chronic stress. Together we can make it our Mission to help alleviate some of these problems. More than a quarter of Canton’s population lives in poverty. For more information call Darlene Violet at 330-477-6036. Tickets are $50.00 per person Hope Outreach Ministries 13 SCMS News CH_Golf_SCMS_2014_01b.pdf 1 1/9/14 10:51 AM Stark County Medical Society 14th Annual Golf Outing To score a Hole-In-One against hunger C M Take Back Control! Y CM The Stark County Medical Society (SCMS) is exploring the idea of starting a Multiple Employer Welfare Arrangement (MEWA) to provide medical coverage for our membership. We have heard increasing frustration and concern from our members regarding the rising cost of medical care, as well as the lack of control over both employee benefits offered and reimbursement received for medical services rendered. In this era of uncertainty with the Affordable Care Act (ACA) and rising costs, we believe a MEWA may be the answer to the employee benefits dilemma. What is a MEWA you ask? A MEWA is an arrangement offering health coverage and other benefits to employees of two or more employers. How would this work for SCMS ? In essence, the members of SCMS would band together to form and fund a medical plan which would provide benefits to their employees. We have been advised that a MEWA could provide coverage at a cost which is 5 to 10% below a fully insured plan. SCMS will be hosting informational meetings in the near future to review this concept in more detail and to answer questions. Watch for details in our upcoming newsletter, on our website and through mailers. MY CY CMY K Wednesday, September 16, 2015 Skyland Pines Golf Club 3550 Columbus Road NE Canton, OH 44705 This year’s outing to benefit: Stark County Physicians Graduate from ICD-9 to ICD-10 in Seconds • Convert your ICD-9 cheat-sheets to ICD-10 codes in seconds • Get familiar with ICD-10 nuances and CMS guidelines through visual cues • Automatic placement of 7th Character where applicable • Patent Pending SmartSelect™ to help you start dual coding now • Embedded ICD-10 books – No need to buy StrongBase Consulting a Bdewees Consulting Company 330-915-2355 [email protected] 14 Stark County Medical Society January - February 2015 continued contact between patient and provider. For instance, strep throat can only be diagnosed by culture and an otitis media can only be diagnosed by looking into the ear canal. Another mode of caregiving experiencing phenomenal growth is the retail clinic. These facilities are housed in large pharmacy chain stores and utilize nurse practitioners. These caregivers follow established protocols to treat minor illnesses. They are busiest during off-hours when most doctors’ practices are closed and they are also less expensive with an average cost per visit of $75. To combat the possible fragmentation of care resulting from a lack of communication about care received between a retail clinic and an individual’s primary care provider, there is a trend toward the development of reciprocal referral agreements between these clinics and local health networks. Another issue effecting primary care physicians is the scheduled expiration of the Enhanced Medicaid Payments in 2015. The result would bring Medicaid reimbursement back down to about 40% of Medicare reimbursement. This reduction would make it impractical for many physician practices to treat Medicaid patients because the Medicaid payments are below the cost of providing care. This would cause many practices to necessarily limit the number of Medicaid patients that they serve at a time when the total number of Medicaid patients is expected to increase due to the ACA. To do so would be a matter of economic survival when one considers that Commercial payers pay about $119 and Medicare pays $73 for an office visit, while Medicaid pays only $52 which is below the cost of providing care. The nonpartisan Commonwealth Fund has recently published an Issue Brief entitled National Trends in the Cost of Employer Health Insurance Coverage, 2003 – 2013. The findings show an anticipated overall increase in the cost of health insurance. Premiums for family coverage were increased by 73% during this period, which outpaced the increase in median family income. Also during this period, employee contributions to health insurance premiums increased by 93% while deductibles more than doubled. Although the rise in premium rates showed steady growth during this ten year period since the implementation of the ACA, the rate of growth slowed between 2010 and 2013. These findings suggest that the combination of higher health care coverage costs and a weak economy translate into a situation in which families are paying a greater portion of their incomes for health care premiums and deductibles. One strategy to partially alleviate the burden of the increased premiums is the establishment of a Multiple Employee Welfare Agreement (MEWA). This is an arrangement which provides health coverage benefits to employees of two or more firms. These are self-funded organizations which provide a number of coverage products through one or more third-party administrators (TPA). Participants pay a set amount for each employee covered and enjoy representation in MEWA decision-making. The regulatory agencies with jurisdiction require a minimum enrollment of 300 employees and a minimum cash surplus of $150,000. The Stark County Medical Society (SCMS) is investigating the advantages and disadvantages of developing such a program. Advantages include flexibility in benefit program designing, reduction in ACA mandates and taxes, increased cash flow, profit retention, lower costs, better budgeting, and the possibility of developing a network consisting of our members. The downside includes complicated administration, the possibility of increased costs with poor claims years, and the possibility that the MEWA can be sued. The SCMS is presently undertaking an educational campaign regarding MEWA to evaluate member interest in forming such an organization. For more information one can go to http://starkmedical.org. That recently updated website also has links to the medical societies’ preferred vendors, local medical information, as well as an A to Z listing of social services agencies in Stark County. Visitors to the webpage are also encouraged to sign up for e-mail updates of SCMS News. These are easily subscribed to by submitting your e-mail address in the space provided at the bottom of the page. These challenges which I have discussed and many others not mentioned are formidable indeed. It behooves us to support organized medicine so as to maximize our ability to influence the healthcare environment during the coming year. To this end I want to take the opportunity to encourage present and former members to renew their memberships and nonmembers to join because there is strength in numbers and at this time physicians need all the strength that they can muster. 15 SCMS News BE SURE TO SUPPORT OUR PREFERRED VENDORS WHO OFFER OUR MEMBERS OUTSTANDING SERVICE AND DISCOUNTS. ACCU MEDICAL WASTE SERVICES Jim & Doug Parks 866.696.8379 AFLAC Yen Huhnh 330.285.2831 HUNTINGTON MERCHANT SERVICES [email protected] 330.354.9016 HUNTINGTON BANK Bobbi Richardson 330.498.5550 HUNTINGTON INSURANCE Ed Hassay 330.742.5307 MEDLINE Candace Bombay-Huelf 330.488.7755 SIRAK INSURANCE PARTNERS Sheila Klenner/Barry Riggs 800.229.5299 SUNLIT COMMUNICATIONS Diane Evans 330.869.5191 SURESHRED Timothy Casper 330.479.7899 How to Manage Exchange Patients continued from page 9 mium payment status. A service could be pre-authorized based on medical necessity, but later denied due to nonpayment of premiums. If a patient is potentially receiving a significant amount of services or testing, you may want to make sure your staff also verifies the status of their premium payment. FIFTH: Physician should make sure to verify and collect patients’ cost-sharing amounts (co-pays, coinsurance, and deductibles) at the time that service is provided. While this may not be a provider’s normal practice, this practice is allowed by the ACA and will help to reduce the amount that a provider has to try to collect after a service has already been provided. Where a patient has a high deductible that has not been satisfied, the provider may be able to collect the payer’s maximum allowable charge from the patient at the time of service. If coverage is ultimately terminated, the provider may then go back and collect the difference between the patient’s cost-sharing amount and the provider’s self-pay charges. Advanced notice of payment policies to patients may help to encourage patients to stay current on premiums. SIXTH: Physicians should require a personal guarantee of payment from each patient prior to providing services. Providers may also require patients to have a credit card on file that will automatically be charged for services in the event that claims are not paid by an insurer. This requires that a patient sign an appropriate authorization. These measures will help the provider to collect payment in the event that claims are later denied due to nonpayment of premiums. SEVENTH: Although not recommended, there has been commentary in the hospital setting, for example, that in the case of a large medical charge in a month and where the patient cannot pay the cost of services otherwise, the provider might consider advancing the premium on behalf of the patient to assure the bills are paid, thereby reducing the loss to the provider to collecting the premium. The ACA grace period provisions for exchange enrollees receiving premium assistance could impose heavy burdens on unaware physicians. Physicians could be caught providing significant amounts of services that go uncompensated. However, there are proactive steps that physicians can take to help to minimize the burden of this relatively new law. Verifying coverage and premium payment up front, collecting cost-sharing at If you have any questions on these or other the time of service, and impletopics, please contact menting patient payment guarScott Sandrock at 330-253-4367, antees will help to reduce your [email protected] risk of providing uncompensated or Angela Codougan at 330-374-7475, services. [email protected]. Congratulations to Dr. Ryan Drake! Dr. Drake is this year’s winner in the 2015 dues raffle. Dr. Drake will receive a gift certificate for $150.00. If you haven’t paid your 2015 dues yet, it’s not too late. If you need another invoice, contact Kevin or Becky at 330.492.3333. 16 Stark County Medical Society January - February 2015 BRENNAN, MANNA & DIAMOND provides innovative business strategies and legal solutions to physicians. Knowledge makes all the difference! Brennan, Manna & Diamond has developed one of the largest healthcare practices in the region with the experience to solve your healthcare challenges. We have developed centers of excellence, physician-joint ventures, The BMD Healthcare Group MSOs, ACOs, and other models to enhance physician practices. We Richard W. Burke Matthew A. Heinle represent physicians in contracts, credentialing and payment disputes. Jason A. Butterworth Scott P. Sandrock Jeana M. Singleton Our experience provides you with the legal profession you need to grow Christopher B. Congeni John N. Childs Brendan A. Sorg your practice and protect your interests. Jack T. Diamond Specializing in Healthcare Law 75 E. Market Street, Akron, OH 44308 □ 330.253.5060 □ www.bmdllc.com Amanda L. Waesch Call Scott Sandrock Healthcare Group Attorney at (330) 253-5060 17 SCMS News YES, I WANT TO HELP MAKE SURE THAT EVERY FAMILY HAS ENOUGH TO EAT. Please use this generous donation to expand your ability to meet the growing needs of our community and deliver food for our hungry neighbors. Enclosed is my donation of: q $50 q $25 Please make checks payable to: Community Harvest, Inc. 4915 Fulton Drive NW, Suite 7 Canton, OH 44718 (330) 493-0800 q $10 q Other $ Food Rescue Program , For your convenience. PayPal on-line donations are also accepted on our website www.communityharveststark.org 18 Stark County Medical Society January - February 2015 DisabilitY DisabilitY insurance insurance Protect Your Practice and Yourself With With Disability Disability Insurance Insurance for for Physicians Physicians Welcome... New Members! DisabilitY insurance DisabilitY insurance Protect Your Practice and Yourself Protect Your Practice and Yourself With Disability Insurance for Physicians MOHAMAD AYOUBI, M.D. Tri-County Hematology & Oncology Associates, Inc. With Disability Insurance foryourPhysicians You clients You work work hard hard to to build build your your practice practice and and give give your clients the the best best possible possible care. care. And And in in your your career, you may have seen the consequences a disability can cause. How would a disabling career, you may have seen the consequences a disability can cause. How would a disabling illness illness or or injury injury affect affect you you — — your your career, career, the the people people who who rely rely on on you you at at work, work, and and the the people people who who rely rely on on you you at at home? home? 7337 Caritas Cr. N.W. Massillon, Oh 44646 330-478-0001 FAX: 330-837-2646 *Internal Medicine,*Hematology & Oncology Disability insurance can help you be prepared for the unexpected. Metlife has coverage that can help meet your needs, Disability insurance can help you be prepared for the unexpected. Metlife has coverage that can help meet your needs, including: including: You workbenefits harduptotobuild practice and give your• Oclients the Occupation best possible care. benefits And ineven your 1 • Individual $17,000your per month available. ptional Your rider provides • Individual benefits up to $17,000 per month available.1 ptional Your Occupation rider provides benefits even You work build your and give your• Oifclients the bestinHow possible care. And inasyour career, youhard maytohave seen thepractice consequences a disability cause. would a disabling illness you can are employed another occupation, as long you are • Business Overhead Expense (BOE) insurance available up to if you are employed in another occupation, as long as you are • usinessyou (BOE) insurance available up to a disability 4 totallyon disabled in your regular occupation. career, mayExpense seen the consequences can cause. How would a disabling illness 2have 4 orB$50,000 injuryOverhead you — your career, the people who rely you at work, and the people who rely peraffect month. totally disabled in your regular occupation. $50,000 per month.2 or injury you — your career, the people who• rely onLifetime you atBenefit work, people who rely Optional riderand couldthe provide disability benefits on you at affect home? • noncancelable and Guaranteed renewable coverage is •Optional Lifetime Benefit rider could provide disability benefits • noncancelable and Guaranteed renewable coverage is for as long as you live.1,4 1,4 onavailable, you atwhich home? means that MetLife will not change coverage or for as long as you live. available,insurance which means not change coverage or Disability can that helpMetLife you bewill prepared for the unexpected. Metlife has coverage that can help meet your needs, increase your premium before age 6733 as long as your premiums •Potential discounts through our MultiLife program, list billing or increase insurance your premium age be 67 prepared as long asfor your premiums Potentialhas discounts through program, list billing or including: Disability canbefore help you the unexpected.• Metlife coverage that our can MultiLife help meet your needs, are paid on time.44 select associations.44 are paid on time. select associations. including: • Individual benefits up to $17,000 per month available.1 • Optional Your Occupation rider provides benefits even 1 if ptional you areYour employed in another occupation, as longeven as you are • benefits up to $17,000 monthavailable available.up • O Occupation rider provides benefits • Individual Business Overhead Expense (BOE) per insurance to totally disabled in your regular occupation. if you are employed in another occupation,4 as long as you are 2 $50,000 per month.Expense • B usiness Overhead (BOE) insurance available up to 4 totally disabled your regular occupation. 2 •O ptional LifetimeinBenefit rider could provide disability benefits per month. • $50,000 noncancelable and Guaranteed renewable coverage is forptional as long as you Benefit live.1,4 rider could provide disability benefits • O Lifetime available, which means that MetLiferenewable will not change coverage • noncancelable and Guaranteed coverage is or 1,4 as long as you live. 3 increase your premium age 67will asnot long as yourcoverage premiums •for Potential discounts through our MultiLife program, list billing or available, which means before that MetLife change or 4 are paid your on time. select associations. increase premium before age 673 as long as your premiums •P otential discounts4through our MultiLife program, list billing or JONATHAN CONGENI, M.D. Gastroenterology Specialists, Inc. 2726 Fulton Dr. N.W. Canton. OH 44718 330-455-5011 FAX: 330-588-7127 Internal Medicine are paid on time.4 ANNA ROSENFELD, M.D., MPH Anesthesia Associates of Alliance, LLC 200 East State Street, 2nd Floor Alliance, OH 44601 330-596-7228 FAX: 330-596-7214 Anesthesia Reinstated Members! DONALD DECOY, M.D. Mercy Pulmonology, Critical Care and Sleep Medicine Physicians 1330 Mercy Drive N.W., Suite 418 Canton, OH 44708 330-489-1454 FAX: 330-430-2772 Pulmonary Diseases, Critical Care Medicine And Internal Medicine; Sleep Medicine select associations.4 Although Although you you can’t can’t avoid avoid the the risk risk of of aa disability, disability, you you can can be be prepared prepared with with aa disability disability plan plan designed for you. For more information, contact me today. designed for you. For more information, contact me today. Anthony Nicodemo Anthony Nicodemo Financial Services Representative Financial Services Representative (440)746-8734 or (330)704-2855 (440)746-8734 or (330)704-2855 [email protected] Although you can’t avoid [email protected] the risk of a disability, you can be prepared with a disability plan Although youyou. can’tFor avoid risk of a disability, can be prepared with a disability plan designed for morethe information, contact you me today. designed for you. For more information, contact me today. Anthony Nicodemo Actual benefit amount issued depends on medical specialty, applicant’s income and amount of other disability income insurance in force and applied for. The maximum benefit amount Actual benefit amount issued depends on medical specialty, applicant’s income and amount of other disability income insurance in force and applied for. The maximum benefit amount Anthony Financial Services with LifetimeNicodemo Benefit RiderRepresentative is $10,000 per month. with Lifetime Benefit Rider is $10,000 per month. 2 Financial Representative benefitServices amount issued depends on amount of covered business overhead expenses and the amount of other BOE insurance in force and applied for. The amount of BOE coverage 2 Actual (440)746-8734 (330)704-2855 Actual benefit amountorissued depends on amount of covered business overhead expenses and the amount of other BOE insurance in force and applied for. The amount of BOE coverage issued may also be limited based on the benefit period selected. issued may also be limited based on the benefit period selected. (440)746-8734 or (330)704-2855 3 [email protected] Like most disability insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask 3 Age 65 in some states. Like most disability insurance MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask Age in some states. your65 representative about costspolicies, and complete details. 4 [email protected] limitations apply. Ask your details. your representative about costsrepresentative and completefor 4 Some Some limitations apply. Ask your representative fordetails. details. Like most disability insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask 1 1 All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject your representative about costsbe and complete All policies and riders may not available in alldetails. states, all issuecertain ages and to all occupational classes.reductions, Ask your representative forterms complete details. Eligibility is subject Likeunderwriting most disability insurance policies, MetLife’s policiesat contain exclusions, waiting periods, limitations and for keeping them in force. Ask to approval. to underwriting approval. your representative about costs and on complete details. applicant’s income and amount of other disability income insurance in force and applied for. The maximum benefit amount Actual benefit amount depends medical All policies and riders issued may not be available in allspecialty, states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject For policies issued in New York: These policies provide disability insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as with Lifetime Benefit Rider is $10,000 per month. 1 For to underwriting approval. policies issued inYork NewState York: These policies provideat disability insurance They NOT provide basic hospital, medical or major medical insurance as Actual benefit amount issued depends on medical applicant’s income amount ofdo other disability income forcefor for.ofThe maximum benefit amount All policies riders may not beInsurance available in allspecialty, states, allexpected issue ages andand toonly. all occupational classes. yourinsurance representative complete details. Eligibility is subject defined by and the New Department. The benefit ratio for these policies is Ask at least 50%. Thisinbasic ratio isand theapplied portion future premiums that 2 Actual benefit amount issued depends on amount of covered business overhead expenses the policies amount of BOE insurance in force and portion applied of for.future The amount of BOE coverage defined by the New York State Insurance Department. The benefit ratio forand these is other at least 50%. This ratio is the premiums that with Lifetime Benefit Rider isas $10,000 per month. to underwriting approval. MetLife expects to return benefits when averaged over allexpected people with the applicable policy. For policies issued in New York: policies provide disability insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as may also betolimited based onThese thewhen benefit period selected. MetLife expects return as benefits averaged over all people with the applicable policy. 2 issued Actual benefit amount issuedState depends on amount of covered business overhead the policies amount of BOE insurance in force and portion applied of for. The amount of BOE coverage defined by the NewinYork Insurance Department. The expected benefitexpenses ratio They forand these is other at basic least 50%. Thisbasic ratio is the premiums 3 Disability For policies issued York: These policies disability insurance only. do NOT provide hospital, or September major future medical insurancethat as insurance is New issued byon Metropolitan Lifeprovide Insurance Company on IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR andmedical IDIP04-1. 2012. Age 65 in some states. issued may also be limited based the benefit period selected. MetLife to return as benefits whenDepartment. averaged over people with the ratio applicable policy. Disability isYork issued by Insurance Metropolitan Life Insurance Company on IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR and IDIP04-1. September 2012. defined expects byinsurance the New State Theallexpected benefit for these policies is at least 50%. This ratio is the portion of future premiums that 34 Some apply. Ask as your representative for details.over all people with the applicable policy. Age 65limitations inexpects some states. MetLife to return benefits when averaged Disability insurance is issued by Metropolitan Life Insurance Company on IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR and IDIP04-1. September 2012. 4 1 Some limitations apply. Ask your representative for details. • NotbyFDIC-Insured Not Insurance Insured ByCompany Any Federal Government Agency • Not Guaranteed by Any Bank Credit Union Disability insurance is issued Metropolitan• Life on IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR and or IDIP04-1. September 2012. • Not FDIC-Insured • Not Insured By Any Federal Government Agency • Not Guaranteed by Any Bank or Credit Union • Not FDIC-Insured • Not Insured By Any Federal Government Agency • Not Guaranteed by Any Bank or Credit Union • Not FDIC-Insured • Not Insured By Any Federal Government Agency • Not Guaranteed by Any Bank or Credit Union Metropolitan life insurance company Metropolitan life insurance company 200 Park Avenue 200 NewPark York,Avenue NY 10166 Metropolitan New York, NY 10166 metlife.com life insurance company 200 Park Avenue metlife.com Metropolitan life insurance company New York, NY 10166 CLDI22907 L1012284967[1013](xCA) 200 Park Avenue metlife.com CLDI22907 L1012284967[1013](xCA) © 2012York, METLIFE, PEANUTS © 2012 Peanuts Worldwide New NY INC. 10166 © 2012 METLIFE, INC. PEANUTS © 2012 Peanuts Worldwide metlife.com CLDI22907 L1012284967[1013](xCA) © 2012 METLIFE, INC. PEANUTS © 2012 Peanuts Worldwide CLDI22907 L1012284967[1013](xCA) © 2012 METLIFE, INC. PEANUTS © 2012 Peanuts Worldwide www.starkmedical.org 19 PRSRT STD. U.S. POSTAGE PAID CANTON, OH PERMIT #50 4942 Higbee Avenue NW, Suite L Canton, OH 44718 Phone: 330.492.3333 Fax: 330.492.3347 E-mail: [email protected] MEDICAL MALPRACT Monitoring EVERY Market Become a part of this spirited organization. Together we can doTracking more! EVERY Rate www.Starkmedical.org Fighting for you EVERYDAY Serving the Physicians In Stark County We protect your most valued asset…….YO MEDICAL MALPRACTICE Sirak Insurance Partners For over the past 50 years we have built our reputation as one of Northeast Ohio’s Leaders Medical Malpractice Insurance by making sur 4700 Dressler Road N.W., Canton, OH 44718 clients have the best coverage at the most affo Toll Free: 1.800.229.5266 • Fax: 440.835.9614 • www.inspartners.com rates. You are very valuable to us. Monitoring EVERY Market Tracking EVERY Rate Fighting for you EVERY DAY! Serving Physicians in and beyond Stark County We protect you and your assets! Sheila SheilaKlenner Klenner Barry BarryRiggs Riggs David Mo Call today for a free, no obligation consult For more than 50 years, we have built our reputation as one of Northeast Ohio’s leaders in Medical Malpractice Insurance by making sure our clients have the best coverage at the most affordable rates. You are very valuable to us. Sirak Financial Compani 4700 Dressler Road N.W. CALL TODAY FOR A FREE, NO OBLIGATION CONSULTATION. Phone: 330-493-3211 Toll Free: 1-800-597-8102
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