Professional Directory
Advertising in this publication does not represent an endorsement by PEF or its members. LookforHMO
changes
in2010
a174
H
Great Rates, Great
By LORRAINE SIMPKINS
TheJointLabor-Management
e
NYS PEF Friends & CommitteesonHealthBenefits
a
Family Program
a174
Programs, Great Service!
Your New York State (JLMC)havecompletedreviewing
a174
proposalssubmittedbyHMOsfor
l
t
Professional Real Estate
a174
Mortgage Expert
Get a $300 Discount on
participationinthestateHealth
h
InsuranceProgram(NYSHIP).
a
a174
ssistance for all PEF members
c UniveraHealthcare,which
N
Cash Rebates when you buy or
a174
losing costs
Refinancing Options
currentlyservessixcountiesin
sell a home (To be eligible, call before
available
westernNewYork,decidedto
o
discontinueitscommunity-rated
c
a174
ontacting an agent.)
HMOandwillnotparticipatein
t
Moving Discounts
L
H
ic
o
e
NYSHIPnextyear.Ifyouare
e
w
a174
ith major van lines
C
6
n
me Funding Finders, Inc.
2
s
o
1
ed
ho
C
e
o
N
s
l
Y
,
u
N
m
S
e
b
M
w
ia
or
Y
S
tg
o
t
r
r
a
k
e
g
e
e
1
tE
B
x
a
t
n
.
ker
enrolledinthisoption,youwillneed
s
Exclusive 800-444-6313
2047 tochangehealthplansduringthe
option-transferperiodfor2010.
Concierge Thatwindowwillopenlaterthis
Services
EqualHousingLender
year.
www.ColdwellBankerprime.com
AlloftheotherHMOscurrently
participatinginNYSHIPwillbe
Callu
Y
st
o
od
u
ay
r
fo
M
rinf
o
or
v
m
e
ati
i
o
s
n1
O
-80
urExpertise! availablein2010.
MVPwillexpanditsservicearea
oremailusat
0-456-7839ext.4025
toincludeTompkinsCounty.
helpmemove@cbpp.com
MBP EffectiveJanuary1,allNYSHIP
HMOswillchangetheirbenefitsfor
thetreatmentofmentalhealthand
substanceabusedisordersto
LONG-TERM CARE INSURANCE
complywithanewfederalparity
law.
Thelawrequiresbenefitsforthe
GettheFactsonWhyYouShouldHaveIt!
treatmentofmentalhealthand
substanceabusedisorderstoequal
thebenefitsforothermedical
services.Co-paysanddeductibles
cannotbegreaterthanforother
services.Norcantheallowed
frequencyoftreatment,numberof
visits,ordaysofcoveragebemore
restrictivethanthosefortreatment
TaxIncentivesandDiscounts
ofothermedicalconditions.
IfyouareenrolledinanHMO,it
helpmakethisvitalneedAFFORDABLE!
willsendyouaside-by-sidebenefit
comparisonnolaterthanOctober
CallfortheFREE LTCShoppersGuidetoday
23,notifyingyouofallbenefit
forstrategiestoLOWERthecostof
changesfortheyear2010.
Premiumrateinformationfor
Long-TermCareInsurance.
2010isnotavailableyet,butwillbe
mailedwhenthetransferperiod
NewYorkLong-TermCareBrokers,Ltd.
begins.
Reviewtherateflyercarefully
11ExecutiveParkDrive
whenyoureceiveit.HMOpremium
CliftonPark,NY 12065
contributionsmayincrease
significantlyfromoneyeartothe
www.nyltcb.com
next.
518-371-5522 Ext.101
www.pef.org TheCommunicatorOctober2009—Page25
Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32