text: Welcome to Health Plan of Nevada, Inc (HPN) SmartChoice and NorthernChoice! We would like to thank you for choosing Health Plan of Nevada, Inc. a UnitedHealthcare Company to arrange for the quality care you expect and deserve. We think you will find that we can provide you with programs which exceed standard Medicaid options. We also have added value benefits that you won't get anywhere else. This Handbook contains information about what we offer through Health Plan of Nevada (HPN). The handbook will also help you decide when and how to get appropriate medical and dental care. Please keep this document handy. Oral interpretation services in languages other than English are available through our Member Services Department. Please call 702-242-7317 or 1-800-962-8074 for help. Hearing impaired members may contact us at 800 962-8074 by calling through the 711 relay service. Visually impaired members may call our Member Services Department for help at 702-242- 7317 or 1-800-349-3538. We can also give you documents in larger print for easier reading. Please visit our website at www.hpnmedicaidnvcheckup.com for more information about our programs. LA TRADUCCIÓN EN ESPAÑOL DE ESTE DOCUMENTO COMIENZA EN LA PÁGINA 30 This handbook is not a Certificate of Insurance and shall not be construed or interpreted as evidence of insurance coverage between the Managed Care Organization (MCO) Health Plan of Nevada, Inc. (HPN), and the member. This Member Handbook Has Important Information About Your Health Benefits. • When you have a question, look for the answer in this handbook. If you still have questions after reading this handbook, call our Member Services Department between 8 AM and 5 PM, Monday through Friday. The phone numbers are: 702-242-7317 or 1-800-962-8074 • The physical location of the Health Plan of Nevada, Member Services department is: 2720 North Tenaya Way 1st floor Las Vegas, Nevada 89128 • If you need to see a doctor, call your doctor's office. You will need to choose a doctor to be your Primary Care Physician. You can call our Member Services Department for help choosing a doctor. The phone numbers are: 702-242-7317 or 1-800-962-8074 For your reference write your doctor's name, office location and phone number here. My doctor is: Location: Telephone: • If you need to see a dentist, call your dentist's office. You may choose to see any of the dentists listed in the HPN SmartChoice or NorthernChoice Provider Directory. If you need help, call Member Services at 702-242-7317 or 1-800-962-8074. • If you need medical treatment "after hours" (for a problem that should not wait until your doctor can see you), Go to an Urgent Care Center in the SmartChoice or NorthernChoice Provider Directory. • If you need dental treatment "after hours", call your dentist's office. • If you have a medical emergency (you need help immediately for a very serious problem), go to the nearest hospital emergency room. Or call 911 for any life-threatening situation, such as major injuries from an accident, severe chest pain, unconsciousness or difficulty breathing. • If you need an answer to a medical or dental problem, call your doctor/dentist during regular office hours. Or call our Telephone Advice Nurse at 702-242-7330 or 1-800-288-2264 anytime, 24 hours a day, 7 days a week. • If you need to speak to your Welfare Case worker: call you case worker at the following numbers: • Toll Free: 800-992-0900 • Northern NV: 775-684-7200 • Southern NV: 702-486-1646 2 Welcome! Thank you for choosing Health Plan of Nevada, Inc. (HPN) We look forward to being your partner in healthcare. Table of Contents Page Introduction To HPN 5 Membership Card 5 Selecting Your Primary Care Physician (PCP) 5-6 How To Choose Your Dentist 6 How To Get Healthcare Services When you are under a doctor's care upon enrollment into HPN When you need to see your Primary Care Provider When you need to see a dentist 7-8 When you need a specialist or a hospital Getting your prescriptions filled Prior authorization requirements Emergency Care When you should go to Emergency Room 8-9 Medical Emergencies Dental Emergencies Urgent Care 9 Out Of Area Healthcare Services 9 Telephone Advice Nurse 9 Medical and Dental Benefits Ambulance Services Ambulatory Surgery Centers Chiropractors Cochlear Implants Dental Benefits Diabetic Services Durable Medical Equipment Early & Periodic Screening, Diagnosis and Treatment (EPSDT) Emergency Room Services End Stage Renal Disease Family Planning Services & Supplies Hearing Aids and Services Home Health Care Immunizations 10-15 Inpatient Hospital Services Inpatient and Outpatient Rehabilitation Services Laboratory Services Medical Supplies Mental Health and Substance Abuse Services Pharmacy Physician, Physician Assistant and Nurse Practitioner Services and consultations Podiatry Services Pregnancy and Maternity Services Prostheses and Prosthetic Supplies Radiology (X-Ray) Services Skilled Nursing Facility Care Surgical Services Transportation Transplants (Organ) Family Planning Services 16 3 Mental Health and Substance Abuse Services 16 Transportation 16 Special Added Benefits for HPN Members Health Education Classes 16 Member Services Telephone Advise Nurse Pregnancy Care and Services Caring for you during your pregnancy Educational programs for moms-to-be Prizes for getting prenatal care Avoiding a premature birth 17-19 Delivering your baby Baby blues Birth control after the baby is born A healthy start for your new baby Keeping Your Children Healthy Through the EPSDT Program Special check ups for your child 19 Shots to protect your child against getting sick Adolescent Well Care Dental Services Regular Dental check ups for your child 20 Emergency Dental services for you Quality Improvement 20 Services You Receive Directly Through Medicaid 20-21 When You Might Get a Bill 21 Other Insurance 21 Your Rights and Responsibilities 21-22 When You Can't Make Your Own Healthcare Decisions 22 When You Should Contact Us 23 And when we might contact you When We Might Contact You 23 Fraud, Waste and Abuse 24 What to Do If You Have an Appeal or Grievance 24 Appeals 24-26 Grievances 26 Notice of Privacy Practice 26 If You No longer Want To Be A Member in HPN 27 If You Are No Longer On Medicaid 27 4 Introduction to Health Plan of Nevada, Inc. (HPN) Health Plan of Nevada, Inc. (HPN), is the largest and most experienced health plan in Nevada. In Clark County, the HPN Medicaid plan is called SmartChoice. In Washoe County, the HPN Medicaid plan is called NorthernChoice. We work with doctors, dentists, nurses, hospitals and other healthcare workers and medical facilities. Our goal is to help you stay healthy and arrange for the best care possible when you become ill. HPN is a Managed Care Organization. This means that: • Members have a Primary Care Provider (PCP) or personal doctor, to see when you need medical care. • Members may make appointments for regular checkups with their PCP or personal doctor. This helps the PCP get to know you and help you stay well. • Your PCP arranges necessary extra care through our network of doctors, hospitals and other healthcare facilities. Members must see a doctor and get a referral before: • Going to a hospital Seeing a specialist • Having tests done Getting most other special health care services If you go to a hospital or get other special services without a referral, the cost may not be covered under the plan. It is the member's job to make sure the doctor you see is listed in the Provider Directory. In an emergency, members may go to any emergency room (ER), even if the ER is not listed in the Provider Directory. Membership Card You will get a Medicaid card from the state for each of your family members who get these Medicaid benefits. You will not get a membership card from HPN. Members should always bring their Medicaid card to all healthcare appointments. Selecting Your Primary Care Provider (PCP) As an HPN member you may select a doctor from the Provider Directory to be your Primary Care Provider (PCP). We have included a provider directory in this packet. Your PCP is your personal doctor. Each of your family members enrolled in HPN can also choose a PCP. PCPs work in one of these areas: • General or family practice • Pediatrics • Internal medicine • Obstetrics • Gynecology Under HPN, you can choose a different PCP for your children and a different PCP for yourself. For children, we suggest you choose a pediatrician or family practice provider to be their PCP. Once you have chosen your PCP, HPN will send you a letter confirming your choice. If you are pregnant, you will choose an obstetrician to take care of your pregnancy until after the baby is born. Women can choose family practitioners, internists, obstetricians or gynecologists as PCPs. Some PCPs will take care of people of all ages, from babies through adulthood. If your PCP does, and you want everyone in your family to have the same PCP, that's fine. The choice is up to you. One of the first things you should do is make an appointment to see your PCP. During this first checkup, the PCP finds out about your healthcare needs. He/she will help you plan routine checkups, shots and tests to help you stay well. Your PCP will coordinate your medical needs. If you need lab tests, x-rays, need to see a special doctor or need to go to the hospital, your PCP will make the arrangements. The PCP will give you a referral to medical providers and places listed in the HPN SmartChoice or NorthernChoice Provider Directory. 5 Selecting Your Primary Care Provider (PCP) continued If you feel you need care from any other type of doctor, or any other type of special care, you must go to your PCP. You may only get care from doctors and hospitals listed in the HPN SmartChoice or NorthernChoice Provider Directory. If you need emergency medical treatment, you may get medical services from any emergency room. How to help your doctor take care of you: • Choose a PCP you like and want to stay with • Plan ahead so you can learn as much as possible during every doctor visit • Listen to your PCP. Follow his/her instructions to help you get well and stay healthy You received an HPN SmartChoice or NorthernChoice Provider Directory with this handbook, which lists doctors you can choose as your PCP. If the doctor you are seeing now is on the list, you can stay with him/her. If you want more information about any of the doctors in the Provider Directory, call our Member Services staff at 702-242-7317 or 1-800-962-8074. A monthly updated SmartChoice and NorthernChoice Provider Directory may also be found on our website, www.hpnmedicaidnvcheckup.com. When you choose a primary care physician (PCP) Try to choose a doctor who: Has an office close to your home • Has office hours convenient for you • You can speak to easily, who speaks your language and will listen to you. To select a PCP, call our Member Services Department at 702-242-7317 or 1-800-962-8074. If you do not choose a PCP, we will assign you one. Please call Member Services to verify your PCP. If you want to change your PCP, call us at any time. Before you go to a different doctor, please call us and tell us st who you would like your new PCP to be. Usually, the PCP change will be effective the 1 of the next month. Just call Member Services at 702-242-7317 or 1-800-962-8074. If our contract with your child's provider is terminated, HPN will notify you within 15 days of the date of the termination notice so you can chose a new provider. How to Choose Your Dentist You may see any dentist listed in the HPN SmartChoice or NorthernChoice Provider Directory. If the dentist you are currently seeing is in the directory, you can stay with him/her. Young children may need to see a pediatric dentist. If you need more information about the dentists in the Provider Directory, call our Member Services Department at 702-242-7317 or 1-800-962-8074. A monthly updated SmartChoice and NorthernChoice Provider Directory is on our website, www.hpnmedicaidnvcheckup.com. When selecting a dentist, choose one who: • Has an office that is easy for you to get to • Has office hours when you can arrange to get there • You can speak to easily, who speaks your language and will listen to you. Dental benefits are listed on pages 10 -11. Members under the age of 21 have full dental benefits. Members 21 and older have emergency dental benefits only. 6 How to Get Healthcare Services When you are under a doctor's care upon enrollment into HPN If you are getting care from a doctor when you join HPN, call our Member Services department at 702-242-7317 or 1-800-962-8074. It is very important that we know the type of services you are getting and the doctor, dentist or other medical provider you are using. We will help you to stay with your provider or change to a provider listed in the HPN SmartChoice or NorthernChoice Provider Directory. When you need to see your PCP You should call your PCP for an appointment, unless it is an emergency. If you get sick when the doctor's office is closed, you should call HPN's Telephone Advice Nurse at 702-242-7330 or 1-800-288-2264 anytime 24 hours a day, 7 days a week. We also recommend that you try to find an Urgent Care Center or Quick Care Center close to your home for medical needs that aren't emergencies but can't wait for your PCP's office to be open. Urgent care locations are listed in the provider directory. More information is located on page 9. When you call your PCP, you should get a medical appointment in these time frames: • Routine appointments within two weeks • Urgent appointments within two calendar days • Emergent appointments same day. If you are pregnant, you should get an obstetrical appointment in these time frames: • Within seven calendar days of the first request for women in their first or second trimesters; • Within three calendar days of the first request for women in their third trimester; • Within three calendar days of being diagnosed with a high-risk pregnancy; or • Immediately for emergency conditions. When you need to see your dentist When you need dental care, call your dentist for an appointment. If you have a dental emergency call your dentist, 24 hours a day, 7 days a week. When you call your dentist, you should get a dental appointment in these time frames: • Routine appointments within 30 calendar days • Urgent appointments within three calendar days • Emergent appointments immediately. When you need to see a specialist or go to the hospital There are times when your doctor may feel you need to see a specialist. Your PCP will help you choose one from the HPN SmartChoice or NorthernChoice Provider Directory and give you a referral form. Take this form with you when you see the specialist. If the specialist needs to see you more often, he will need to get prior authorization by calling our Utilization Management Department at 702-242-7345 or 1-800-288-2264. When you call your specialist, you should get an appointment in these time frames: • Routine appointments within 30 calendar days of referral • Urgent appointments within three calendar days of referral • Same day, medically necessary appointments within 24-hours of referral. Expect not to wait more than one hour from your scheduled appointment time to see your doctor or your dentist unless there is an emergency. In the case of an emergency, you may need to wait longer than one hour while the doctor or dentist takes care of the patient with an emergency. If you have trouble getting an appointment or wait in the office longer than one hour, call Member Services at 702-242-7317 or 1-800-962-8074. We'll be happy to help you. On the day of your appointment: • Arrive 15 minutes before the scheduled appointment • Call the doctor's or dentist's office if you are going to be late or cannot keep your appointment • Always bring your Medicaid card with you • Before you talk with the doctor or dentist, write some notes about what you want to tell him/her 7 How to Get Healthcare Services continued • While you are talking with the doctor or dentist, write notes about what you need to do once you leave. These notes might tell you: • How and where to get any medication you need to take. How and when to take the medication • Where and when to go for lab tests or x-rays • What food to eat or exercises to do. • If you need to come back for another visit, make the appointment before you leave. Getting your prescription filled Your doctor may give you a prescription for medicine. Ask your doctor if you have any questions about the medicine or how you should take it. You can also ask the pharmacist when you pick up your medicine. HPN has a preferred list of drugs for you to use. The preferred drug list is on our website, www.hpnmedicaidnvcheckup.com. Ask your doctor if the medicine he/she is prescribing is on the preferred list. If the medicine is not on the list, HPN may not pay for it or the medicine may require prior approval. If it does, your doctor may call our Pharmacy Services Department at 702-242-7050 or 1-800-925-7455 for approval. As an HPN member, you can get your prescriptions filled at any Kmart, Wal-Mart, CVS, Sav-On, Albertsons, Vons, Safeway, Smiths, Target or Walgreen's stores. If you need help finding a drug store or pharmacy, ask at the doctor's office or call Member Services at 702-242-7317 or 1-800-962-8074. Prior authorization requirements There are some medical services that need approval before you can get the services. Your doctor will ask HPN for the approval first and then help you get the care you need. Before you get the services ordered by your doctor ask the doctor if HPN has approved the services. HPN may not pay for services you get that are not approved. If you are not sure, ask your doctor or call our Member Services Department at 702-242-7317 or 1-800-962-8074. The doctor may also see if the service was approved electronically at www.healthplanofnevada.com using the link to HPN @YourService. Services that require authorization may include: • Medical equipment & supplies • Hospital admissions • Specialist care • Outpatient surgeries • Physical, occupational and speech therapy • Some procedures, lab tests, x-rays and • Some medications. services If your doctor feels you need to go to the hospital, he/she will make the arrangements. The doctor will call HPN for approval. The only time you should go to a hospital without your doctor's approval is in an emergency. In that case, go to the nearest hospital emergency room. Emergency Care When you should use the emergency room In a life-threatening emergency, go to the nearest emergency room or call 911. Prior authorization is not needed for emergency care. Tell the emergency room desk clerk that you are an HPN member and that you have a Medicaid card. As soon as you can, or the next day, call your PCP's office. Tell the office staff about your emergency room visit. Emergency care is needed right away when your health might be in serious danger. This may be caused by a sudden illness or injury. Some examples are: • Serious accidents • Severe Pain • Severe cuts or burns • Unconsciousness • Chest pain • Seizures • Severe or unusual bleeding • Possible poisoning • Trouble breathing • And any other situation that could risk your life. • Emergency labor and delivery • Choking 8 Emergency Care - continued When you get emergency medical services, you will also receive "post stabilization" services. These are services to continue your medical treatment after you are well enough to leave the ER. These services are covered even if they are not provided by a doctor or hospital listed in the HPN SmartChoice or NorthernChoice Provider Directory. Remember emergency rooms are for true emergencies only. For non-emergency conditions see your doctor during regular office hours or go to an Urgent Care Center listed in the SmartChoice or NorthernChoice Provider Directory. Dental Emergencies If you have a dental emergency, ask yourself: Do I need help to control bleeding? Do I need help to stop significant pain or stop an infection? Am I likely to lose my teeth if I don't get care right away? If you answered "yes" to any of these questions, call your dentist right away. Urgent Care Urgent care is care you receive at a free-standing Urgent Care location such as Southwest Medical Associates (SMA) or University Medical Center (UMC) Quick Care clinics. Urgent care is care you need sooner than a routine doctor's visit. Urgent care is not emergency care that you would receive at the Hospital. You should not go to an emergency room for urgent care needs unless your doctor or a Health Plan of Nevada, Inc. (HPN) staff member tells you to go there. Examples of urgent care conditions are: • Sprains • Low-grade fevers • Broken bones • Earaches • Minor cuts and bruises • Headaches • Non-severe bleeding • Cold or flu symptoms • Non-severe allergic reactions • Frequent urination. If you need care during your PCP's regular office hours, call the office. The office staff will arrange for you to get care as quickly as possible. If your doctor cannot see you right away, go to an Urgent Care Center listed in the HPN SmartChoice or NorthernChoice Provider Directory. They have evening and weekend hours. No appointment is needed. If you have an urgent dental need such as a toothache, call your dentist for an appointment. After office hours call our Telephone Advice Nurse at 702-242-7330 or 1-800-288-2264. The nurse will help you decide the best place to get help. Out of Area Healthcare Services The HPN service area covers metropolitan, Clark and Washoe Counties. When you are out of the service area during an emergency, you should seek attention at the nearest hospital emergency room or Urgent Care Center. Make sure you tell them you are an HPN member. Also, tell your doctor or dentist you went to an emergency room while you were away. If you are being treated for a medical or dental problem and going to be away for more than a few days, let your doctor or dentist know. If you have any questions while you are away, call Member Services at 1-800-962-8074. Telephone Advice Nurse If you need help deciding what you should do for a medical concern, call our Nurses. The 24-Hour Telephone Advice Nurse is a free service available 24 hours a day, 7 days a week. The nurse can answer most basic health questions and can help you decide if you need to see your doctor. The 24-hour phone number is 702-242-7330 or 1-800-288-2264. 9 Medical and Dental Benefits As an HPN member, you get all the basic Medicaid benefits at no cost to you. Your doctor will arrange your care. You will need to use an HPN approved healthcare facility and medical provider for most of these services, including: Ambulance Services (for emergency services only) • Medically necessary ground or air ambulance EXCLUDES: non-emergency medical transportation Ambulatory Surgery Centers • Medically necessary surgeries that can be performed on an outpatient basis where the member can safely return home with 24 hours or less EXCLUDES: cosmetic surgeries, fabric wrapping of abdominal aneurysm, intestinal bypass surgery for treatment of obesity, transvenous catheter pulmonary embolectomy, extracranial-intracranial arterial bypass, breast reconstruction for cosmetic purposes only (allowed following mastectomy), stereotactic cingulotomy, LASIK and other eye surgeries to treat vision disorders, non-FDA approval implants, transsexual surgery, chochleostomy w/ neurovascular transplant for Meniere's Disease, non-medically necessary, non-effective or investigational surgeries or procedures. Botulimun Toxin type A (Botox) • Injections are covered for certain spastic conditions including cerebral palsy, stroke, head trauma, spinal cord injuries and multiple sclerosis. Chiropractors • Treatment limited to the following when referred through the EPSDT program: • Office visits • Physical therapy • X-ray • Spinal Manipulation Cochlear Implants • Hearing evaluation, surgical implantation of the device, follow-up care and service. • Equipment and supplies with some limits • Repairs, adjustments and replacement with some limits • Damage or loss insurance required at the time of implant Dental Benefits Age 21 and older • Coverage is limited to emergency extractions, palliative care and may also be eligible to receive prosthetic care (dentures/partials) under certain guidelines and limitations. • Limited oral evaluation in emergencies • X-rays in emergencies • Sedative fillings • Temporary crown (fractured tooth) • Full mouth debridement as palliative only • Emergency prosthetic repair to dental prosthetics that are rendered completely unserviceable. Loose dentures or dentures with broken/missing teeth do not meet the intent of the definition unless irritation is present and sufficiently documented. • Oral surgery for palliative treatment, emergency extractions • Palliative treatment of dental pain, including minor procedure with description of patient condition required • As of October 1, 2007, periodontal scaling and root planning for pregnant recipients is a covered service. In addition, due to the risk of pregnancy gingivitis, a second cleaning will be covered during pregnancy as well as 100% coverage of the treatment of inflamed gums around wisdom teeth during pregnancy. Continued on next page 10 Medical and Dental Benefits - continued EXCLUDES: Cosmetic services - unless prior approved to return the member to work, Routine and preventive dental care, such as periodic prophylaxis, restoration of incipient or minor decay, treatment of sensitivity to hot and cold or other minor pain is not covered for persons 21 years of age and older. (Prophylaxis and restorative dental services under pregnancy related services require predetermination and are reviewed on an individual basis based on medical necessity.) Crowns are not allowed for persons 21 years of age and older, except where required on an anchor or abutment tooth for a partial denture. Gold crowns are not a covered benefit for any age. TMJ services are not covered Dental Benefits Ages 0-20 • Diagnostic and Preventative Services • Comprehensive Oral exam every year • X-ray • Cleaning and fluoride treatment every 6 months • Sealants once per permanent tooth • Space maintenance therapy • Restorative Services • Fillings • Crowns • Root canals • Gum procedures • Periodontal Services • Certain Periodontal services for pregnant women • Dentures • Partial and full dentures to stop weight loss • To get a job when front teeth are missing • Emergency replacement of lost or stolen dentures • Emergency x-rays for diagnostic purposes • Denture adjustments • Dental Surgery • Includes anesthesia or analgesia • TMJ services for members under age 21 • Emergency Dental Services • Services to control bleeding, lessen severe pain and/or stop infection • Procedures to avoid the loss of teeth EXCLUDES: cosmetic services-unless approved to return the member to work, gold crown, braces LIMITATIONS: Out of area benefit limited to emergency services only Diabetic Services • Diabetes management training • Diabetic supplies with some limits • Insulin Pump Durable Medical Equipment • Equipment that can be used repeatedly for a medical condition or injury Examples: Oxygen and related supplies, walkers, canes, crutches, hospital beds, apnea monitors, commodes, wheelchairs, ventilators, home uterine monitors, and phototherapy unit EXCLUDES: deluxe equipment when standard equipment meets the need, motorized scooters, liquid oxygen, breast pumps, air conditioners, dehumidifiers, humidifiers, car seats, elevators, stair lifts, exercise equipment, household equipment, hygiene equipment, motorized lifts for vehicles, ramps, traction devices, TENS units and Reachers. Replacement of lost, damaged or stolen equipment. This is not an all-inclusive list. Continued on next page 11 Medical and Dental Benefits - continued Early and Periodic Screening, Diagnosis and Treatment (EPSDT) • Limited to members under age 21 • Includes health and development history, unclothed exam, immunizations, lab procedures, health education, vision, hearing and dental screenings Emergency Room Services (plan and out-of-plan) • Hospital and physician services for medical emergencies • Post-stabilization services for medical emergency End Stage Renal Disease • Hemodialysis, peritoneal dialysis and other dialysis procedures • Certain nutritional supplies Family Planning Services and Supplies • Medical office visits • Counseling • Physical Examinations • Birth control devices and supplies • Tubal ligations and vasectomies for eligible persons 21 years of age or older • Missed abortions EXCLUDES: infertility services, undoing of sterilization services, hysterectomies and abortions unless the mother's life is in danger if the fetus is carried to term or the pregnancy resulted from rape or incest. Gastric Bypass Surgery • Coverage for members who meet the criteria EXCLUDES: coverage for pregnant women, women less than 6 months partum, or women who plan to become pregnant within 18-24 months post gastric bypass surgery Hearing Aids & Services • Hearing aid(s) and related supplies • Hearing aid testing and repairs • Replacement of broken/lost hearing aid(s) only if covered by insurance purchased with original hearing aid(s) • Replacement of lost or damaged ear mold(s) only for those under 21 EXCLUDES: eyeglass-hearing aid unit combined, replacement of ear molds for members 21 years of age and older, replacement of lost-broken hearing aid(s) if replacement is not covered by insurance purchased with original aid(s Home Health Care • Skilled nursing services with limits • Physical therapy visits, occupational therapy visits, speech therapy visits, respiratory therapy visits • Registered dietician visits • Limited personal care services with a skilled service as ordered by a physician EXCLUDES: respite, homemaker, companion, social work or sitter service and routine personal supplies Immunizations Ages 0-21 • All childhood immunizations covered under EPSDT including Varicella, TDaP, Flu, Hepatitis A, B, & C, HiB MMR, Pneumonia, Polio, Rotavirus and Meningitis. Ages 21 and over • Tetanus, Rabies, Flu, Pneumonia, Hepatitis B, and HPV for females between ages of 9-26 years old. Continued on next page 12 Medical and Dental Benefits - continued Inpatient Hospital Services • Acute care admissions including all necessary physician care, testing, surgery and anesthesia when ordered by a physician or dentist • Out of state inpatient hospital services for emergencies and when care is unavailable in service area • Observation stays up to 48 hours • Swing bed stays up to 45 days EXCLUDES: swing bed stays over 45 days, when medical condition or treatment needs do not meet acute care guidelines or services can be provided in a less restrictive setting, certain administrative days, residential treatment center placement after the first month Inpatient and Outpatient Rehabilitation Services • Physical, Occupational or Speech evaluations • Medically necessary physical, occupational or speech therapy with limits • High-dose oxygen treatment for wounds EXCLUDES: non-medically necessary therapy and personal comfort items Laboratory Services • Includes all medically necessary diagnostic tests EXCLUDES: post death exams, fertility tests and some genetic testing Medical Supplies • Disposable medical supplies to treat a medical condition including diabetic syringes and needles, dressings, pads, diapers for members over age 3 (Use of multiple types of briefs, diapers, pullons, or protective underwear in any size combination cannot exceed the maximum limit either 100 units or 186 units per month, depending on the item, without PA) , catheter and irrigation items, ostomy supplies, saline, sterile and non- sterile gloves • Authorize one month's supply at a time. EXCLUDES: sanitary napkins, band-aides, cosmetics, dental care items, personal hygiene items, rubbing alcohol, hydrogen peroxide, Neosporin and other topical preparations Mental Health and Substance Abuse Services Inpatient Mental Health Services • Covered for members under age 21 or age 65 and older • Alcohol/substance abuse & treatment services • Rehabilitative services • Outpatient counseling (Psychiatric and Psychological Services) • Psychological testing and/or evaluation prescribed by a physician • Crisis intervention therapy • Targeted case management services • Chemical therapy services • Psychiatric observation units services Ocular Care for members 0-21 years of age • Exam and glasses every 12 months • Repairs and replacement for damaged eyeglasses • Lightweight lenses to balance the weight of the glasses • Glass or plastic lenses • Bifocals and trifocals in some instances • Contact lenses for treatment of a medical condition • Plastic or metal frame EXCLUDES: repair or replacement of broken or lost eyeglasses for adults; sunglasses or cosmetic lenses; contact lenses; replacement of lenses; blended or progressive multi-focal lenses; ultra lightweight plastic lenses for adults; cost of an extended warranty to repair/replace glasses/frames with ornamentation, eyeglass frames which attach to or act as a holder for hearing aides; any surgical procedure to improve vision, when vision is ok using glasses Continued on next page 13 Medical and Dental Benefits - continued Outpatient Alcohol and Substance Abuse Services • Office/clinic visits provided by medical personnel • Individual, group and family therapy sessions • Methadone therapy EXCLUDES: persons living in residential treatment centers (RTC); family and marriage counseling; substance abuse support or peer support group services; inpatient mental health services for members between the ages of 21 and 64; therapy for parenting skills; therapy for gambling disorders; custodial services; partial hospitalization. Orthotics Tools needed to straighten or correct a deformity such as braces, special shoes, elastic stockings, back support/corsets, splints, cervical collars, and burn garments Parenteral Therapy • Fluids with vitamins and nutrients given through veins • Infusion pump one at a time • On supply kit and one administration kit per day. EXCLUDES: nutritional aides for the elderly, infants with allergies who can use soy formula, diabetic diets, and supplements to ulcer diets. Pharmacy (generic drug required unless physician requests a brand name) • Drugs approved by the Food and Drug Administration and part of the HPN 2-Tier Drug List • Family planning items such as condoms, diaphragms, oral contraceptives, Norplant, foams and jellies • Over the counter drugs ordered by the doctor • Prenatal vitamins • Smoking cessation product EXCLUDES: Weight loss drugs, fertility drugs, drugs used for cosmetic purposes or hair growth, "Less than Effective Drugs", experimental drugs, coverage for lost medication, environmental drugs, Viagra Physician, Physician Assistant and Nurse Practitioner Services and Consultations (Surgical and non-surgical) • Medically necessary primary care and specialist office visits • Urgent care services • Emergency room services • Services to diagnose and treat an illness or injury • Preventative services covered under EPSDT • Well-child care • Immunizations • Well-woman care EXCLUDES: investigational or experimental procedures not approved by the FDA, clinical trials and investigational studies Podiatry Treatment of those under age 21 if referred through EPSDT EXCLUDES: preventive care such as cleaning and soaking of feet, applying creams and routine foot care Pregnancy and Maternity Services • Doctor or nurse mid-wife visits for prenatal care and testing • Specialist care for complications • Delivery services in a hospital or birthing center • After-delivery care • Treatment for pre-term labor • Treatment of incomplete, missed or septic abortions when medically necessary • Abortions to end pregnancies resulting from rape or incest Continued on next page 14 Medical and Dental Benefits - continued Prostheses and Prosthetic Supplies • Tool necessary to replace missing body parts such as, false limbs and eyes • Adjustments and repairs • Replacement when ordered by a doctor EXCLUDES: routine testing and cleaning Radiology (X-Ray) Services • Medically necessary x-ray services ordered by a doctor such as MRI or PET scans, ultrasounds • Bone Mineral Density every two years when medically indicated • Mammograms yearly for women age 40 and older Skilled Nursing Facility Care • th All medically necessary care for the first 45 days. Nevada Medicaid covers the cost of care as of the 46 day. Surgical Services • Medically necessary surgeries • Inpatient/Outpatient/Ambulatory facility services • Physician Services • Surgical Assistant Services Surgical Services • Anesthesia Services including nurse anesthetist • Circumcisions for newborns under 1 month of age EXCLUDES: Medically unnecessary cosmetic procedures to improve appearance Transportation • Emergency transportation only (see Ambulance Services) • Cost of meals and lodging when traveling to and from medical services or while receiving medical care EXCLUDES: non-emergency transportation to medical services transportation to non-covered services, travel to visit a hospitalized patient, transport of a deceased person, transports between facilities and cost of a car rental NOTE: Non-emergency transportation and the cost of meals and lodging when traveling to and from medical services or while receiving medical care is a Medicaid covered benefit, but is not part of the HPN Nevada Check Up program. Least expensive form of transportation will be offered. Transplants (Organ) • For members 21 or older, coverage limited to medically necessary kidney, liver, corneal and bone marrow transplants • For members under 21, any medically necessary organ transplant that is not experimental • Familial and unrelated bone marrow donor search and match services are covered • Meals and lodging to and from and while receiving medical services and transportation to and from medical services EXCLUDES: Transplants for some illnesses and stages of illnesses, experimental organ transplants, organ transplants that will not make a difference in the patient's health, and unsafe organ transplants This is just a basic list of the covered medical and dental services you may receive from HPN. Remember, you must have approval from your PCP and HPN before you receive some health services. These include specialist visits and hospital stays. Your PCP or our Member Services staff at 702-242-7317 or 1-800-962-8074 can answer questions you have about these services. 15 Family Planning Services Family planning services help people of child-bearing age who do not want to get pregnant. These services include: • Counseling • Various kinds of birth control, including over-the-counter and prescription birth control supplies. You can get family planning services • From your PCP or • From any doctor, clinic or family planning center that takes Medicaid patients. You do not have to get family planning services from doctor in the HPN Provider Directory. You do not need a referral from your PCP, but please bring your Medicaid card with you. Always tell your PCP when you are using birth control pills or other family planning methods. Mental Health and Substance Abuse Benefits Mental health benefits are available to HPN Nevada Check Up members. There is a special process to identify and care for Seriously Emotionally Disturbed (SED) children. The HPN staff, our doctors and other health care providers will help these members through the process. If you have questions about mental health benefits, please call Member Services at 702-242-7317 or 1-800-962-8074. If your child needs mental health or substance abuse services or is receiving these services and would like to change the therapist, call Behavioral Healthcare Options 702-364-1484 or 1-800-873-2246. Transportation Non-emergency Transportation Non-emergency transportation to medical and dental services is available to all Medicaid recipients. If you need a ride to a doctor's appointments make your reservation 48 hours before your medical or dental appointment. Emergency Transportation Emergency transportation is a covered benefit for HPN members. If you have a medical emergency, call 911. An ambulance will drive you to a hospital for emergency medical care. Remember to only call 911 for true medical emergencies as described on page 7. Special Added Benefits for HPN Members Health Plan of Nevada, Inc. (HPN) provides several added benefits to assist each of our plan members in staying healthy and well. The following are three examples of benefits for you. • Member Services phone number: 702-242-7317 or 1-800-962-8074. Our friendly staff will help with any question you have about your benefits. They can help if you have a problem getting health care. You should also tell them about any suggestions or grievances you have. • 24-hour Telephone Advice Nurse: 702-242-7330 or 1-800-288-2264. Having a sick child or getting sick yourself can be very frightening in the middle of the night. But as an HPN member, you can call our Telephone Advice Nurse. The nurse can tell you what you need to do for your problem and whether you need to follow up with your PCP or dentist. Also, you can call the nurse with questions that you don't think are serious enough to ask your doctor or dentist. • Health Education Classes. As an HPN member, you can take special classes to help you learn good health habits and manage illnesses. We have the following classes to help people with health problems take better care of themselves so they can stay as active as possible: 16 Special Added Benefits for HPN Members - continued • Asthma – Adult (Ages 16 and up) • Nutrition and Fitness • Asthma – Child (Ages 1 – 15) • Pregnancy • Cancer Nutrition • Preventative Healthcare • Chronic Obstructive Pulmonary Disease • Senior Health • Diabetes • Tobacco Cessation Program • Understanding Insulin / Insulin Self- • Weight Management – Adult Management • Weight Management Support Group • Exercise • Healthy Nutrition Toddlers and Preschoolers • Healthy Aging: Up2Me (ages 2 – 6) • Heart Failure • Healthy Nutrition Children (Ages 7-13) • Heart Health • Healthy Nutrition Teen (ages 14-17) • Lactation • Women's Health • Lifestyle Management If you want to take a class call the Health Education and Wellness department 702-877-5356 or 1-800-720-7253. The classes are free. You may find more information about these programs on our website, www.hpnmedicaidnvcheckup.com. Use the, "A Guide to Services" link and then click on "Health Education and Wellness". If your child has asthma HPN has a special program to help children with asthma and their families. This program is called "One Small Breath at a Time." It includes classes and special gifts for children who follow the program. If your child has asthma, be sure to ask your doctor about this program. Pregnancy Care and Services You and your unborn baby are very special. We are here to help you during your pregnancy and after your baby is born so you will both be strong and healthy. It is very important to your health and your baby to see a doctor early in your pregnancy. The best way to give your baby a good start in life is to get prenatal care right away. Caring for you during your pregnancy Tell your doctor if you are planning to have a baby or if you are pregnant. If you think you might be pregnant but are not sure, your doctor can give you a quick, easy test to find out. If you are pregnant, choose an obstetrician from the HPN SmartChoice or NorthernChoice Provider Directory. If you need help, call Member Services 702-242-7317 or 1-800-962-8074. We will help you choose an obstetrician. These doctors are specially trained to care for pregnant women and to deliver babies. Make an appointment to see your obstetrician right away for a complete checkup. He/she will tell you what to expect during your pregnancy and how to take care of yourself and your unborn baby. Your obstetrician will check to see if your unborn baby might need special care. He/she also stays in touch with your PCP in case you have other health needs. Educational programs for moms-to-be If you are pregnant, call our obstetrical case management. The registered nurses will answer any questions you may have and send you information on having a healthy pregnancy. In Southern Nevada call 702-243-8547 and in Northern Nevada call 775-828-3406. You may also attend a free Health Pregnancy class, "Healthy Expectations". During the class the health educator provides information on: • Nutrition Proper weight gain • Exercise Stress, emotions and hormonal changes • Safety for you and the baby Breastfeeding and formula feeding. Prizes for getting prenatal care: You may receive a gift of baby goods for completing your prenatal care. The number of needed prenatal visits is based on when you became a member of HPN. If you joined HPN in your: 17 Pregnancy Care and Services - continued 9th month of pregnancy 1 prenatal visit is needed 5th month of pregnancy 9 prenatal visits are needed 8th month of pregnancy 5 prenatal visits are needed 4th month of pregnancy 11 prenatal visits are needed 7th month of pregnancy 7 prenatal visits are needed 3rd month of pregnancy 12 prenatal visits are needed 6th month of pregnancy 8 prenatal visits are needed 2nd month of pregnancy 13 prenatal visits are needed 1st month of pregnancy 14 prenatal visits are needed Avoiding a premature birth Premature babies have lots of health problems from birth and for many years later. To avoid a premature baby it is th important to know about premature labor. Premature labor occurs before the 37 week of your pregnancy. The signs of premature labor are: • Menstrual-like cramping • Contractions • Lower backache • Abdominal, thigh or back pressure • Increase or change in vaginal discharge. If you are having signs of pre-term labor call your obstetrician right away. There are treatments available to stop pre-term labor which will help you have a full-term healthy baby. Delivering your baby You will probably have your baby in the hospital. Your obstetrician, or another doctor he/she works with, will deliver the baby. Some mothers want to have a certified nurse-midwife deliver the baby. If you want your baby to be delivered by a certified nurse-midwife, ask your PCP to help you find one who is in the HPN SmartChoice or NorthernChoice Provider Directory. A monthly updated version of the provider directory is on our website, www.hpnmedicaidnvcheckup.com. Baby blues Babies need lots of care, but so do you. Some women have postpartum depression after the baby is born. Some signs of postpartum depression are feeling sad, crying a lot, having trouble sleeping or just not feeling like yourself. If you have any of these symptoms, please call your doctor or call Behavioral Healthcare Options 702-364-1484 or 1-800-873-2246. Birth control after the baby is born Your body needs to rest after your pregnancy. Pregnancies too close together increase your chance of having a premature or low-birth weight baby. It is recommended that you wait at least one year before becoming pregnant again. Talk to your doctor about birth control methods that are right for you. A healthy start for your new baby Your new baby automatically joins HPN when he/she is born. Make sure you call our Member Services Department at 702-242-7317 or 1-800-962-8074 to report the birth of your child as soon as you are home from the hospital. You must also call your case worker at the Welfare Office to report the birth of your baby. If you don't report the birth, you may be responsible to pay for your baby's medical care. One of the most important things you will need to do right after childbirth is to choose a doctor for your baby. Your baby should receive a checkup within two weeks after birth and circumcisions for baby boys are usually a part of this visit. Your baby will need more well-child visits during the first two years of life and immunizations are part of these visits. It is very important that your baby receive the recommended well-child visits and immunizations. More information on these visits and immunizations is provided in the next section, "Keeping your children healthy." If you need help choosing a doctor for your baby, call Member Services at 702-242-7317 or 1-800-962-8074 or visit our website for the most recent version of the provider directory at, www.hpnmedicaidnvcheckup.com. Our staff will help you find a doctor for your baby. You may choose either a pediatrician or a family practice doctor. Please let us know your choice by calling 702-242-7317 or 1-800-962-8074. If we don't hear from you, we will assign your baby to a doctor. You can change your child's doctor by calling Member Services. 18 Keeping your children healthy through the EPSDT program One of the most important things you can do to keep your children healthy is to make sure they get regular checkups. Early, periodic screening diagnosis and treatment (EPSDT) is just what it says. Have your child seen early and often, after two-years-old they should be seen yearly for a well child exam and any shots they need. Your child's doctor will help you arrange the checkups and shots that are right for each child's age group. These services are free of charge. If you need help scheduling an appointment call Member Services Special checkups for children from the EPSDT program Children are under the age of 21, may receive well-child doctor visits as part of Nevada Medicaid's EPSDT program. These visits are offered to help your children stay healthy, provide required shots and to catch and treat health problems early. Included in the visit are the following: • A health history • Vision services • A physical exam • Hearing services • Immunizations (shots) • Dental services • Laboratory tests • Other needed healthcare services and treatment. • Health education It is very important that you bring your children in to see the doctor when they are due for this special testing. HPN will let you know when your children need to come in for these screenings. You will receive a post card in the mail as a reminder. The schedule to the right will help you remember Checkup schedule when you should bring your child in for a regular checkup: Within 2 weeks of birth At age 1 month Shots to protect your children against getting sick At age 2 months Your children should receive all required shots by the time At age 4 months they are 2 years old. If you are taking your children in for At age 6 months regular checkups, their doctor will see that they get their At age 9 months shots when they are supposed to. Your children probably At age 12 months don't like getting shots, but these shots, called At age 18 months immunizations or vaccinations, can protect them from At age 24 months illnesses such as: Once a year thereafter • Diphtheria • Hepatitis B • Tetanus • Hepatitis A • Whooping cough (Pertussis) • Chronic ear infections • Measles • Spinal Meningitis • Polio • Flu • Mumps • Chicken pox Your child will also need booster shots before entering daycare, kindergarten and seventh grade. Adolescent Well-Care Adolescents need well checks too. It is recommended that adolescents have annual well-care visits. Your teen may need shots once he/she turns 12 years old. Please check with your child's PCP. 19 Dental Services Regular dental check ups for your child It is very important that your child has healthy teeth. Healthy teeth add to your child's overall wellness. Children with good teeth eat well, sleep well, feel good about themselves and do well in school. You will receive a postcard in the mail reminding you that your child is due for his/her check up. When you receive the postcard, make an appointment with your child's dentist right away. Your child needs to have his/her teeth checked every six months. The dentist will examine your child's teeth to make sure they are in good shape; treat any problems, and clean and put fluoride on his/her teeth. Fluoride keeps the teeth strong and helps prevent tooth decay. t As an HPN member, your child can see any of the dentists listed in the HPN SmartChoice or NorthernChoice Provider Directory. If you need help choosing a dentist, call our Member Services Department at 702-242-7317 or 1-800-962-8074. Emergency Dental Services for you HPN covers emergency dental services for adults 21 years of age and older. In the event of a dental emergency, call one of the dentists listed in the HPN SmartChoice or NorthernChoice Provider Directory. He/she will see you within 24 hours. You may also go to an Urgent Care Center listed in the Provider Directory. You and your child need to do your part to make sure your teeth are healthy. Remember to brush and floss your/your child's teeth in the morning, before bedtime and after eating. Brushing and flossing prevents tooth decay and gum disease. It is also important to make and keep dental check up visits every six months for your child. Remember that adults only receive dental services in emergencies, so keep those teeth healthy by brushing and flossing! Quality Improvement HPN wants to provide quality healthcare for our members. We have a program that watches the results of your healthcare and plans ways to improve those results. This quality improvement program includes the following activities: • Mailings to children who need a well-child doctor visit • Mailings to children due for shots • Mailings to women who may be pregnant encouraging maternity care • Member satisfaction surveys on healthcare services • Educational mailings to members with asthma • Educational mailings to members with diabetes. These programs are designed to help our members. They provide reminders to get care and information on staying well and managing illnesses. For more information on the quality improvement program, call Member Services, 702- 242-7317 or 1-800-962-8074. Services You Receive Directly Through Medicaid Some services that Medicaid pays for are not part of your HPN benefit package. You will use your Medicaid card to get these services from any doctor, dentist or facility that takes Medicaid patients. You do not have to see your doctor or dentist first. Some services you get directly through Medicaid are: • Home and community-based waiver services • Non-emergency medical transportation – for transportation to medical and dental care when it is not an emergency. • ICF/MR services (intermediate care facility for the mentally retarded) • School based health services - for certain children who have an Individual Education Plan so they can get special care in the school • Indian Health Services and Tribal Clinics 20 Services You Receive Directly Through Medicaid - continued • The cost of care you receive before becoming an HPN member - the Division of Health Care Financing and Policy will continue to decide whether to pay for health services you received while you were on Fee-for- Service Medicaid • The cost of care in a special facility - like an institution for people who are mentally retarded or a residential treatment facility for alcoholism or drug abuse • Services for people who need long term care - like staying in a nursing home longer than 45 days • Transitional rehabilitative services - helps injured or disabled people learn or relearn skills needed for daily living • Orthodontic services- Braces for members under the age of 21 who meet the criteria. If you have questions about these services, please contact your Nevada State Welfare Division caseworker. When You Might Get a Bill It is very important that you follow the rules when getting medical care so you are not billed for services. You must get care from the doctors, dentists and other medical providers listed in the HPN SmartChoice or NorthernChoice Provider Directory. You must get a referral from your PCP to see a specialist or get certain services. The only exception is during a medical emergency. It is also important to know your benefits. If you get medical or dental care that is not a Medicaid benefit, you may be billed for those services. For example, if you pick a pair of glasses that costs more than the benefit, you will need to pay the difference. Services received outside the country are not covered Medicaid benefits. HPN will not pay for these services. You may also get a bill for medical care your newborn receives, if you don't tell your case worker you had a baby. Other Insurance If you have insurance in addition to HPN, you need to let us know. You also need to tell your doctors and other medical providers. Your other insurance must be billed first. If you need help coordinating your medical insurance, call Member Services 702-242-7317 or 1-800-962-8074 for help. Your Rights and Responsibilities To be an active partner in your healthcare, you should know your rights and take responsibility for your good health. You have the right: • To be treated timely, with respect, to be listened to and to be a part of decisions that affect your healthcare • To be treated with consideration for your dignity and privacy • To get the information on available treatment options and alternatives presented in an easily understood manner • To get the information you need about the HPN plan's services and healthcare providers o all enrollees have the right to request and obtain this information at least once per year. • To get a second opinion from a qualified, contracted provider • To choose a PCP for you and your child from the HPN Provider Directory, who speaks your language and understands your culture, whenever possible • To be able to make a grievance or appeal that is listened to and promptly responded to • To tell us in advance how you would like to be cared for if you are terminally ill or injured (see next page) • To get a second opinion from a qualified, contracted provider • To get timely services from a non-contracted provider, if the services are not available from a contracted provider • To request and receive a copy of your medical records and ask that they be amended or corrected • To have all information about your health and medical and dental care kept private. The only times we release this information are: • When it needs to be shared with others for important medical or legal reasons • To help us improve the quality and cost-effectiveness of the care we give you 21 Your Rights and Responsibilities – continued • When you tell us in writing we can give it to someone else • When it is necessary to protect your health and safety • To have direct access to women's health specialists for female members. Your responsibilities are: • To tell HPN, and your doctors, dentists and other healthcare providers, things we need to know to give you good healthcare • To tell HPN when you are getting care at the time you enroll with us • To make an appointment when you need routine care • To keep medical and dental appointments • To be on time for your appointments • To ask questions about your health and if you don't understand your doctor's or dentist's instructions • To follow your doctor's or dentist's advice about taking care of yourself • To follow directions about taking your medications and what to do when you are sick; and • To get a referral from your PCP before getting any health services, unless o it is an emergency or, o you are getting certain kinds of services like family planning. When You Can't Make Your Own Healthcare Decisions Nevada law states you have the right to make decisions about your health care if you are 18 years of age and older as long as you are able to do so. If you become sick, your doctor will tell you what is wrong with you, the types of treatment you can choose and what might happen if you do not get care. You have the right to refuse care, even if your doctor feels you need it in order to save your life. Sometimes when people are very sick they are not able to make decisions or tell doctors what they want. For example, if there is no hope that they will get well again, some people don't want the doctor to keep them alive by feeding them through a tube or putting them on machines. If you feel this way, it is very important that you tell your doctor and family what your alternative is while you are still healthy and able to tell them. This is done by a written "advance directive." There are two main types of advance directives: • A "Living Will" (also called a "Declaration") tells the doctor and your family what kind of healthcare you want, or do not want, if you become unable to tell them. • A "Durable Power of Attorney for Health Care" names someone you choose to make healthcare decisions for you if you cannot make your own decisions. An advance directive must be in writing and you must sign it. It must also be signed by a notary public or by two other people as witnesses. Make sure your family and your PCP have copies so they will know how to help you. You may change your advance directive at any time. Put the change in writing in the same way that you did the first time. Make sure your doctor and family knows about the change. Make sure the date is on it so others will know which directive is the most recent. If you need to, you can have both types of advance directives. And if you choose, you do not have to have an advance directive. It is totally up to you. We want to know what kind of medical care you want. If you want to make an advance directive, a lawyer can write one for you. If you can't see a lawyer, the people in your PCP's office have forms and can help you. Or, you can call our Member Services staff at 702-242-7317 or 1-800-962-8074. If your child's PCP will not follow an advance directive because of his/her conscience, please contact Member Services at 702-242-7317 or 1-800-962-8074. If you have a complaint about the Advance Directive information please call the Division of Health Care Financing and Policy, 1-800-360-6044 or 1-877-453-7669. Health Plan of Nevada, Inc. (HPN), Inc. does not discriminate on the basis of whether members have or do not have advance directives. 22 When You Should Contact Us . . . As you look through this handbook, you will probably notice that we urge you to call us or your doctor or dentist often. We are better able to help you when you stay in touch with us. Every year you may ask us for: • A provider list • Your rights and responsibilities as a member of HPN • Information on grievances and appeals • Benefits including how to get them • Prior authorization requirements • Family planning services • After-hours and emergency services information including how, where and when to get services • Referral to specialists • Post-stabilization services • How to get Medicaid benefits that are not available through HPN • Information on the structure and operations of our health plan • Information regarding quality performance indicators • Enrollee satisfaction survey results • Physician incentive plans. Here are some examples of when you should contact us (call Member Services at 702-242-7317 or 1-800-962-8074): • When you are already getting care when you join HPN • With any questions about your HPN benefits • If you need an updated copy of this handbook. • If you want to change your/your child's PCP • Whenever you move, even if you still live within the HPN service area. Let us know if you plan to leave the service area for more than a month, or move away • If your phone number changes • If you are pregnant, or have a baby • If you are covered by any health benefits, in addition to your HPN. For example, tell us: • If you have a health insurance policy • If you get workers' compensation for a problem that happened on the job • If you receive an insurance payment after being in an accident • If you are in a car accident or hurt through no fault of your own • If you have a problem getting the healthcare you need • With an issue or concern about HPN or one of our doctors, dentists or other healthcare providers • If you think you want to leave the HPN plan; or • If you have a suggestion you think would improve HPN services or programs. When We Might Contact You . . . And when we might contact you: From time to time, we will send you important information that you should keep with this handbook -- like news about: • Changes to your HPN benefits or plan • Changes to the list of doctors and network of providers you can use; or • Information about our special programs and benefits. We may also call you or send you a survey form to ask how you like the HPN plan and what you think of your doctor, your child's dentist and other health services. What you think is very important to us. We may also send you a letter if you are hurt in a motor vehicle accident or injured through no fault of your own. This letter will ask you to call us and let us know if there is another insurance company that might help pay for your medical care. We call this situation Third Party Liability. All we ask is that you call us and let us know if there is another insurance company; we will contact them. If there isn't, we will pay for the medical care. You are not responsible for the cost of this care. 23 Fraud, Waste and Abuse (FWA) Fraud is lying with the knowledge that the lie could result in a benefit to someone. Waste and Abuse are practices that result in unnecessary cost to health programs, or payment for services that are not medically necessary. HPN makes every effort to identify, prevent and investigate Fraud, Waste and Abuse (FWA). It is also your right and responsibility to inform us if you notice FWA. Please call our Ethics Hotline at 1-800-637-4454 if you are aware of any of the following: • Falsifying claims/encounters • Mental abuse • Alteration of claim • Emotional abuse • Double billing • Neglect • Billing for services not provided • Failure to report third party liability • Denying access to services/benefits • Misrepresentation of medical condition • Failure to refer for needed services • And other types of fraud, waste or abuse • Member eligibility fraud • Physical abuse You may also write to Health Plan of Nevada, Inc. (HPN). P.O. Box 15645, Las Vegas, NV 89114-5645, Attn: Medicaid Compliance Officer, 2716-2 What to Do If You Have an Appeal or a Grievance Call and talk to a Member Services staff member whenever you have a problem of any kind with HPN or any of our doctors, dentists, providers or services. The phone numbers are: 702-242-7317 in the Las Vegas area 1-800-962-8074 outside the Las Vegas area Our Member Services team are here to help you. They will listen to your concerns and try their best to solve your problems. If after that, you feel your problem has not been solved, you may have the right as an HPN member to file an appeal or grievance. Appeals You have the right to file an appeal within 90 days of receiving a notice for any of the following issues: • The services you requested were denied or limited • The services you were receiving are reduced, suspended or stopped • Part or all of the payment for a service you received is denied • Your request for services was not responded to timely HPN does not resolve your grievance or appeal timely. There Are Two Kinds of Appeals You Can File Standard (30 days) - You can ask for a standard appeal. We will send you a letter letting you know we received your appeal within three calendar days. We must give you a written decision no later than 30 days after we get your appeal. (We may extend this time by up to 14 days if you request an extension, or if we need additional information and the extension benefits you). Expedited (72 hour review) - You may ask for an expedited appeal if your doctor believes that your health could be seriously harmed by waiting too long for a decision and is willing to support this. Continued on next page 24 Appeals - continued We must decide on an expedited appeal no later than three working days, after we get your appeal. (We may extend this time by up to 14 days if you request an extension, or if we request an extension from the State, in order to obtain additional information and the extension benefits you.) We will call you whenever possible to let you know the decision. If we are unable to contact you, you will receive written notice of our decision within two days of making the decision. If we decide your request for an expedited appeal does not meet the criteria, we will change it to a standard appeal. We will let you know verbally, whenever possible and send you written notice within two calendar days. If any doctor asks for an expedited appeal for you, or supports you in asking for one, and the doctor indicates that waiting for 30 days could seriously harm your health, we will automatically give you an expedited appeal. What Do I Include With My Appeal? You should include your name, address, member ID number, reasons for appealing, and any evidence you wish to attach. You may send in supporting medical records, doctors' letters, or other information that explains why we should provide the service. Call your doctor if you need this information to help you with your appeal. You may send in this information or present this information in person if you wish or you may authorize another adult to do so on your behalf. How to file a Standard Appeal: You or your authorized representative should mail or deliver your written appeal to Health Plan of Nevada, Inc. (HPN), 2720 North Tenaya Way, P.O. Box 15645, Las Vegas, NV 89114-5645. Standard appeals may be filed by calling our Member Services Department at 702-242-7317 or 1-800-962-8074, but must be followed by a written, signed appeal request. How to file an expedited appeal: You or your doctor acting on your behalf or your authorized representative should contact us by telephone or fax: Fax #: 702-242-6462 Phone #: 702-242-7317 TTY/TDD: 702-242-9214 Toll Free: 1-800-962-8074 TTY/TTD: 1-800-349-3538 State Fair Hearing: If you still do not agree with our decision, after all of HPN's appeals have been completed, you can ask for a State Fair Hearing by contacting the Nevada Medicaid Hearings Unit at 1-775-684-3704 or 1100 East William Street, Suite 204, Carson City, NV 89701. You must ask for this hearing within 90 days of receiving the final Appeal Notice from HPN. You may also request a State Fair Hearing if we fail to make our decision in a timely manner. That is, within the time frames described in this section. If you need information or help, call the State Medicaid Office at: Las Vegas: 702-486-3000 extension 43604 or 1-800-992-0900, extension 43604 Carson City: 1-775-684-3604, extension 43604 or 1-800-992-0900, extension 43602 If you need legal assistance, call the Legal Services Program: in Clark County 702-386-1070, or in Washoe County call 775-329-2727 If you need information or help, call us at: Phone #: 702-242-7317 Toll free: 1-800-962-8074 TTY/TTD 711: 1-800-349-3538 We can help you through the grievance and appeals process. Interpreter services are available. We are available from 8:00 AM to 5:00 PM, Monday through Friday. You have a right to review your case file, including medical records and any other documents and records used during the appeals process. Continued on next page 25 Appeals - continued Continuation of Service If you would like to appeal a Notice of Action or Adverse Determination you have received from HPN, you can request to have services you are receiving continued during the appeal process. You will need to make the request for continuation of services within ten (10) calendar days of the date of the Notice of Action if your Appeal involves the following: • the termination of services, • the suspension of services or • the reduction of services. Your request for continuation of services can be made as long as the continued services were ordered by an authorized provider. Your request will be considered as long as the original periods covered by the original authorization have not expired or your request has not exceeded the intended effective date of HPN's proposed action. If your benefits are continued by HPN pending the outcome of an Appeal, they will be continued until one of the following occurs: • you withdraw your Appeal; • ten (10) calendar days pass after the notice of action is mailed (unless the enrollee requests an Appeal and continuation of benefits until the hearing decision is reached); • the hearing officer issues an adverse decision to the enrollee; or; • the time period governing service limits of a previously authorized service have been met. If the final decision is adverse to you, HPN may recover the cost of services in dispute furnished during the Appeal to the extent they were furnished solely because of the requirements pertaining to the continuation of services pending the Appeal outcome decision. Grievances You have the right to file a grievance if you have an issue with: • Services you received through HPN • The care or services you received from one of our doctors or other healthcare providers • You need to file your grievance within 90 days • You may file a grievance in two ways: • Call us at 702-242-7317 or 1-800-962-8074, or • Write to Health Plan of Nevada, Inc. (HPN), PO Box 15645, Las Vegas, NV 89114 We take your grievance seriously and will try to get it settled to your satisfaction. If you need help filing a grievance, just call our Member Services Department at 702-242-7317 or 1-800-962-8074. Our representatives will be happy to help you. Oral interpreter services are also available. Once we receive your grievance the following will occur: • You will receive a letter from us within three calendar days telling you we have received your grievance. Our staff may also contact you to make sure they understand the situation. • Within 90 days of the day we receive your grievance, we will send you a letter letting you know the outcome. We may extend this time up to 14 calendar days if additional information is needed and the extension will benefit you. Notice of Privacy Practices HPN takes privacy and the security of your personal and health information very seriously. Enclosed in the member packet you will find a "Notice of Privacy Practices" which address our current policy and the uses of your personal and health information. 26 If You No Longer Want to be a Member of HPN Beginning on October 1, 2009 members will be required to stay with their health plan unless they can prove good cause for switching between plans. Members will be allowed to change plans once per year, for any reason, during an "open enrollment" period. The open enrollment period will be from July to September each year or as determined by the State of Nevada. After this 90-day period, members will be "locked in" to their health plan. Members may submit to their health plan a request for disenrollment. The health plan will determine if there is "good cause" for switching plans. Please mail your request for disenrollment to HPN Enrollment, P.O. Box 15645, Las Vegas, NV 89114-5645. Information to include in your request for disenrollment is: • Member Name • Head of Household Medicaid # • Member Medicaid # • Head of Household Social Security Number • Member Social Security Number • Head of Household Date of Birth • Member Date of Birth • Current contact information • Head of Household Name o Address o Telephone # If your request for change in health plans is approved, you will be notified by HPN. Your child will be disenrolled no st later than the 1 day of the second month following the request. We hope you will want to stay with HPN as long as you are on Medicaid, and that you will let us know how we can serve you better. If you are no longer on Medicaid You must be on Medicaid to be enrolled in the HPN plan. If you lose your coverage, the Division of Health Care Financing and Policy will let us know. If you lose your Medicaid coverage for a short time and get back on Medicaid, you will again be an HPN member unless you choose another health plan. 27 Remember: Bring your Medicaid card whenever you get healthcare. Health Plan of Nevada, Inc. (HPN) PO Box 16545 Las Vegas, NV 89114-5645 www.hpnmedicaidnvcheckup.com Form No. 21.NV.97.038R1 28


text:
Revoluc!on: Five Visions
TV MovieAlternate Title: Independent Lens, Revolucion: Five Visions
More in Television
TV Highlights
What's On This Week
A daily updated summary of the week in TV.
Program Overview
Executive Producers: Sally Jo Fifer, Luca Bentivoglio, Leif Owen Klein, Sonia L. Gilbert
Genre: Documentary
Genre: Documentary
What's On Tonight
- Shakespeare Folio Discovered in France
- A Last-Minute Sensation
- Critic's Notebook: A Wrenching Grief Assuaged With Beauty
- On Comedy: Who's Winning? The Night's Quickest Wit
- Lewis Baltz, Photographer of American Landscapes, Dies at 69
- Bunny Briggs, Tap Dancing Virtuoso, Dies at 92
- On Display, and on a Hot Seat
- Chinese Artwork Brings Auction Record of $45 Million
- ArtsBeat: Tate Museums Offer Minecraft Maps of Famous Artworks
- Television Review: A Film That Might Inspire an Armchair Singalong

subset: commoncrawl


text:
Wiki Headlines
18th Nov: We've switched servers and will be updating the old code over the next couple months, meaning that several things might break. Please report issues here.
main index
Tropes associated with the the Throne Meisters / Team Trinity / Trinity siblings:
open/close all folders
Trinity as a whole
Johann Trinity
The oldest member of the Trinity siblings and the leader of the Gundam Throne Meisters. He is the pilot of the Gundam Throne Eins. After the GN-X's were used to hunt them down, he helped his siblings escape from danger. Unfortunately, he and his brother Michael couldn't escape the danger known as Ali Al-Saachez.Voiced by Katsuyuki Konishi (Japanese) and Michael Daingerfield (English)
Michael Trinity
The middle child of the Trinity siblings and the pilot of Gundam Throne Zwei. Micheal is the most violent of the Trinity's. He's eager to start a fight, constantly rude, and unapologetic in hurting people. While he is very prone to extreme violence, he also show strong loyalty to his brother and jealous with murderous intent whenever Nena likes any men.Michael and his siblings began mass scale attacks around the globe's military bases with total annihilation tactics. Their earlier attacks went without a hitch until the arrival of the GN-X's, which stopped their interventions. Eventually their secret base on Earth was discovered and forced to flee. While on the run, Ali Al-Saachez somehow located the Trinity siblings and offered assistance due to his sponsor. As soon as Johann inquired about Laguna Harvey, he quickly shot and killed Micheal instantly via shot to the heart]].Voiced by Daisuke Namikawa (Japanese) and Andrew Toth (English)
Nena Trinity
The youngest of the Trinity siblings and pilot of Gundam Throne Drei. Nena is first introduced as a cutesy character and has a tendency to make V signs. She saves Setsuna's life and later kisses him, but he violently pushes her away. You get to see shades of her unstable side when she threatens Setsuna not to make her mad shortly after. The last straw, however, is when she passes over a wedding in Spain. They're having fun while she's off saving the world. So she kills 'em all (though one Louise Halevy escapes). Karma catches up to her soon enough, as Ali Al-Saachez shoots one of her brothers, then steals his Gundam and kills the other in combat. She only escapes thanks to the intervention of Setsuna .In the end, she escapes on her own and becomes Wang Liu-Mei's Ninja Maid, but grows discontent when she sides with the current employers of Ali-Al Sacheez, the Innovators.Voiced by Rie Kugimiya (Japanese) and Nicole Bouma (English)


text:
Some worried Dundas legion was too small for supporters of six candidates
Young Professionals
Economic Development
Stelco retirees worried about the future of their pensions will learn...
It was long enough ago that the game was still on CBC, ESPN wasn't...
Jordin Sparks has taken aim at Jason Derulo in her latest remix of Drake's...
Editorial cartoon for Tuesday, Nov. 25, 2014 by Graeme MacKay, The Hamilton...
Light up our life
A look at what's happening about the city
MONTREAL Gifted young players such as Jeff Skinner and Ryan Nugent-Hopkins will report to training camp this week, but it will be in the American Hockey League and not the locked-out NHL.
Most of the 30 teams in North America's top minor league will start with physical testing either Thursday or Friday before beginning on-ice workouts to get ready for what could be a wild season in the AHL. The regular season opens Oct. 12.
The last NHL lockout in 2004-05 saw some youngsters such as Jason Spezza, Michael Cammalleri and Eric Staal sent back to the AHL for the season, but that was a trickle compared to the flood of talent this time around.
Jordan Eberle, Adam Henrique, Adam Larsson, Sean Couturier, Brayden Schenn, Jake Gardiner, Alex Burmistrov and Slava Voynov are among players already established, at least to some degree, in the NHL who have been assigned to AHL clubs.
Top prospects who likely would have started the season in the NHL but will instead play in the second-tier league include Ryan Johansen, Sven Baertschi, Cody Hodgson, Oliver Ekman-Larsson, Zack Kassian, Nino Niederreiter, Nazem Kadri, Brett Connolly, Louis Leblanc and Ryan Ellis.
Depending on how long the NHL lockout lasts, it could be a spectacular season for the 77-year-old AHL, which had a big boost in attendance during the last NHL lockout.
"I look at the names on some of the rosters and this has to be the best crop of players the league has ever seen," said Julien BriseBois, general manager of Syracuse Crunch, the Tampa Bay Lightning's top farm club.
"We're excited to see how much the level goes up and which teams take best advantage of the players that have fallen into their laps."
The big winner should be the Edmonton Oilers' affiliate, the Oklahoma City Barons, where coach Todd Nelson will have Nugent-Hopkins, Eberle and top U.S. college free agent Justin Schultz join a club already well-stocked with skilled skaters, including speedy Magnus Paajarvi.
Nelson said adding three top talents to his 16 returning players should make for a very competitive team. It could have been four if 2010 first overall draft pick Taylor Hall was not exempted due to injury.
"We felt we had a strong team going in," Nelson said. "With the addition of these three high-level players, it's exciting."
The puzzle for all AHL coaches and managers is that they have no idea how long they will have their best players. The lockout could end at any time and the Skinners and Eberles will then go back to the NHL.
"It's the AHL, so it's like that anyway," Nelson said. "Guys get called up during the season and it's not that much different.
"Once the lockout ends, those three and probably two or three others will go up. The last couple of years, Edmonton had a lot of injuries and our team changed quite a bit. You just try to do the best possible."
Tampa Bay's top team, the Norfolk Admirals, steamrolled their way to a Calder Cup last season, at one point winning a record 28 regular-season games in a row.
But the Lightning have moved their affiliation to Syracuse to be closer to a cluster of opponents in the northeast. Norfolk is now the Anaheim Ducks' farm team.
BriseBois said the Norfolk owners held a banner-raising ceremony in the rink for the 2011-12 team before they left for their new home, New York State.
He said about 60 per cent of the players are back, and the Bolts have sent their most promising young forward Brett Connolly to Syracuse for however long the lockout lasts.
"It might be the best thing that ever happened to him," said BriseBois. "It gives him an opportunity to play a big role on that team and to learn how to play that role at that level."
The Crunch and Norfolk play in the East Division, where the Binghampton Senators will have a regular from the Ottawa defence, Jared Cowan, on the blue-line, along with hot prospects Mika Zibanejad and Jacob Silfverberg. Their camp opens Thursday.
The Toronto Marlies, the Maple Leafs' farm club, were swept in the final by Norfolk and will be gunning to get at least that far again with regular Leafs rearguard Gardiner and forward prospect Kadri in the lineup, as well as Leo Komarov, a former Dynamo Moscow forward who signed with the Leafs.
Their North Division rival, the Hamilton Bulldogs, will have players with NHL experience with the Montreal Canadiens such as Leblanc, Mike Blunden and Aaron Palushaj, but most of the attention will be on a crop of junior graduates that includes Jarred Tinordi, Nathan Beaulieu, Brandon Gallagher and Memorial Cup winners Michael Bournival and Morgan Ellis.
The Calgary Flames' farm team, the Abbottsford Heat, is also in the division and will have the 19-year-old Baertschi among its prospects to watch.
The Winnipeg Jets have their top team, the St. John's IceCaps, open camp on Monday bolstered by Burmistrov. The IceCaps will play three pre-season games against Syracuse in Newfoundland.
Zack Kassian and Chris Tanev will be with the Chicago Wolves, the Vancouver Canucks' farm club.
The players will get their first experience of some new rules that will be tested in the AHL this season.
They include minor penalties for covering the puck with a glove and for batting the puck with a hand in order to win a faceoff.
The league will also try the "hybrid" icing rule, in which the whistle is blown when the puck crosses the end zone faceoff dots instead of the goal-line. The aim is to reduce injury-causing collisions from players racing to be first to touch the puck. The rule will be enforced until Nov. 19, at which point a decision will be made on whether to continue.
The Canadian Press
Without a doubt, the kitchen is a hotspot in most homes. So, when it comes to renovating your...
Barton Radiator Works Ltd. , a vehicle repair facility in Hamilton, has serviced tens of thousands...
Every day United Way of Burlington & Greater Hamilton has a profound impact on their community by...
Eastforest Homes has been proudly building homes for the past 20 years. Over 6,000 new homes are...


text:
Town Square
Bay Area median home prices, sales up in May
Original post made on Jun 16, 2012
Read the full story here Web Link posted Saturday, June 16, 2012, 9:38 AM
Comments (2)
a resident of Crescent Park
on Jun 16, 2012 at 10:19 pm
Real estate prices went up for two months in row but unfortunately the Facebook IPO has stopped social IPOs dead in their tracks. The valley is in a funk. One companies greed ruined it all. Already the open houses have way fewer people.
I think prices will retract a bit. Not back to where they were in January which was still not much above 2008, but back from the 25 percent increase from Jan to May. All those hoping to sell in the summer are seeing a marked slow down. Those who bought in May paid too much.
a resident of Duveneck/St. Francis
on Jun 17, 2012 at 10:07 am
If all the home sales were reported, the median price would be much higher. People pay to put their tax stamp on the back so their sale is not reported.
Don't miss out on the discussion!
Sign up to be notified of new comments on this topic.
Grab a Bowl of Heaven soon in Mountain View
By Elena Kadvany | 0 comments | 2,946 views
Don't fund the rape culture at my alma mater
By Jessica T | 36 comments | 2,745 views
Quick Check List for UC Applications
By John Raftrey and Lori McCormick | 0 comments | 2,015 views
Mothers, daughters, books, and boxes
By Sally Torbey | 4 comments | 1,186 views
Campaign Endorsements: Behind the Curtain
By Douglas Moran | 10 comments | 1,075 views


text:
BBB Business Review
This Business is not BBB accredited
Walker Global Network
Phone: (800) 637-5801 6910 N Shadeland Avenue , Indianapolis, IN 46220 http://www.walkerinfo.com/global/network.asp
BBB Business Reviews may not be reproduced for sales or promotional purposes.
BBB Accreditation
This business is not BBB accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that lowered the rating for Walker Global Network include:
- BBB does not have sufficient information to determine how long this business has been operating
- BBB does not have sufficient background information on this business
Factors that raised the rating for Walker Global Network include:
- Complaint volume filed with BBB for business of this size.
Customer Complaints Summary Read complaint details
|Complaint Type
|Total Closed Complaints
|Advertising/Sales Issues
|Billing/Collection Issues
|Delivery Issues
|Guarantee/Warranty Issues
|Problems with Product/Service
|Total Closed Complaints
Read Complaints | Definitions | BBB Complaint Process | File a Complaint against Walker Global Network
Customer Reviews Summary Read customer reviews
|Customer Experience
|Total Customer Reviews
|Positive Experience
|Neutral Experience
|Negative Experience
|Total Customer Reviews
Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on Walker Global Network
Additional Informationtop
Business Category


text:
Press centre
Latest press releases
Airbus MRO Network welcomes Lufthansa Technik AG as new member
One of the world's largest and most experienced aircraft Maintenance, Repair and Overhaul (MRO) providers, Lufthansa Technik AG, Germany, signed an agreement with Airbus to become a new member of the Airbus MRO Network. Lufthansa Technik AG, with its roots going back as far as the early fift...
Airbus maintains target date for A380 certification and first delivery by year end, but announces shift in the production programme
Stumpf Group becomes new Airbus ACJ customer
Austria-based Stumpf Group, internationally renowned for its industrial and real-estate investments, is to acquire an Airbus ACJ, becoming a new customer.
Stumpf Group's activities encompass major shareholdings in a number of corporations, including global leaders that are enabling pro...
Airbus Chinese A320 final assembly line to be located in Tianjin
The National Development & Reform Commission of China (NDRC) and Airbus announced today that the site for a potential A320 family final assembly line (FAL) in China is Tianjin Binhai New Coastal District, a state level new development zone. This follows the signing of the memorandum of understanding...
Latest press releases
Press contact
Airbus Press Department
1, Rond Point Maurice Bellonte
31707 Blagnac Cedex France
Media hotline
+33 (0)5 61 93 1000


text:
Although affiliated with the law firm of Heydary Hamilton PC, one of Canada's most dynamic and fastest growing law firms, Red Seal Notary is an independent private company managed by a group of ... property, legal, mining, business law, lawyer, development, acquisitions, freedom of information,...
Although affiliated with the law firm of Heydary Hamilton PC, one of Canada's most dynamic and fastest growing law firms, Red Seal Notary is an independent private company managed by a group of ..., company, commercial real estate, house, resolution, natural resource, clinical, lawyer
... Avocats, Personal Loans, Hunt Mel R, Finance, Finances et Légal, Légal, Lawyers
... Legal Services, law firm, Lawyers
... Lawyer
... Lawyer, General Practice Lawyers
... Lawyer
... Lawyer
... Lawyer
... Lawyer
... Lawyer
... Lawyer, Avocats, Finances et Légal, Légal, Deborah A
MemberPro® - Enterprise Member Management Solutions ... rider, Flash, Adobe, Kontaktmanagement, lawyer, Sport-Ergebnisse, mitglieder-basierte...
Mulligan Tam Pearson is located in Victoria BC Canada. Our lawyers can help with a range of issues: criminal law, impaired driving, as well as family law and ICBC / insurance claims. ... lawyer, criminal lawyer, Finances et Légal, services, family lawyer, Avocats, icbc lawyer, criminal...
... Notary Public, Notaries Public, Avocats, Lawyer, colwood, Notaries, Légal, Finances et Légal
... Bureau, Lawyer, Divorce Information Bureaus
Separation is never easy. When couples have been together for a long time, had children, and built what they thought was going to be their future, separation turns their lives up side down. While ... Lawyer, family law, mediator, divorce Lawyer, separation Lawyer
... Lawyer, Consultant, Estate Planning Consultants
... Notaries, Avocats, Légal, Notary Public, Finances et Légal, Lawyer
..., General Practice Lawyers, divorce mediation, real estate, Lawyer, Bureau, avocats, Corporate
... Lawyer, Management Consulting Services, Consultant, Business Consultants
... Divorce Information Bureaus, Lawyer, Bureau
Federal & Provincial Codes, British Columbia Resource Maps & Publications, British Columbia Specialty Book Store, Maps & Nautical Charts ..., Crown Publications, Lawyer Referral Services, Magazines, Lawyer, Service, commerçants, Store
... Finances et Légal, Légal, Avocats, Lawyer
Lawyers, Notaries Public ... Notary Public, victoria, avocats, edgar daniel c, Lawyer, Notaries
... Notaries, Lawyer, Notary Public, General Practice Lawyers
... Lawyer, General Practice Lawyers
... Légal, Finances et Légal, Lawyer, Avocats
We are a local and progressive law firm offering a wide range of legal services in Victoria, BC Canada. ... Victoria Lawyer, Victoria Law Firm, Victoria Attorney, Victoria Legal Services, Victoria BC Canada
... Lawyer, Consultant, Estate Planning Consultants, avocats, attorneys, General Practice Lawyers
... Lawyer, Légal, Avocats, Finances et Légal
... Lawyer, attorneys
... Services, Finances et Légal, Notaries, Légal, Notary Public, Lawyer, Service, attorneys, Avocats
... patrimoine, immobilier, Retraite et Planification financière, conseils, Finances et Légal, Lawyer
... Notaries, Notary Public, Lawyer
... Lawyer, Notaries, Notary Public
... Lawyer, Computer Repairs, Repair, Cleaning, Service, Process Servers, Server
... Lawyer, Divorce Information Bureaus, Bureau
... Lawyer, Estate Planning Consultants, Consultant
... Lawyer, Mediation Services, Service, Estate Planning Consultants, Consultant
... Lawyer, Mediation Services, Service
... Lawyer, Notaries, Notary Public
... Lawyer, Immigration, Naturalization Consultants, Consultant
... Lawyer, Service, Mediation Services
... Government, Lawyer Referral Services, attorneys, Charts, Maps, Service, other, Lawyer, Book Dealers
... Immigration, Naturalization Consultants, Consultant, Lawyer
... attorneys, Lawyer
... Lawyer, Notaries, Notary Public
... Lawyer, Process Servers, Server
... General Practice Lawyers, ICBC, Association, Lawyer, Notary Public, Notaries, WILLS &ESTATES,...


text:
Why particle board?
Particle board is made of sawdust glued together. It is quick and easy to cut and mill. Much faster and easier than real solid wood. Manufacturers love it
Atlanta, GA (678) 777-7758 http://www.ringelbergconstruction.com
Specialty: Painting, Remodeling, Design
Total Home Improvement Company, custom built cabinetry, kitchens, baths, trim work, hardwood floors, roof replacement, siding, sunrooms, basements, additions, windows and doors, stone work, retaining walls, electrical, plumbing
Painting, Remodeling, Design
Design/build contractor
Sandy Springs, Dunwoody, Alpharetta
825 Mabry Rd NE
(678) 777-7758
Liability $500,000.00
Not required Not required


text:
Fort Lauderdale Townhome Rental Photos and Description
4 Bedrooms, 3.5 Baths (Sleeps 6-8)
Gorgeous designer furnished townhome located in the heart of beautiful Fort Lauderdale and charming Victoria Park. Quiet luxury awaits in this 4 bedroom/3.5 bath home. Complete with marble, hardwood and seagrass flooring, you can relax in your third floor living room and enjoy the breezes or take a luxurious whirlpool bath in the Master Suite. Only blocks from shopping and dining on historic Las Olas Boulevard and the stunning Galleria featuring The Capital Grille for fine dining, Seasons 52 for contemporary fare and P.F. Chang's Asian Grille, you can be as refined or as relaxed as you choose. Or take a deep sea fishing excursion and grill up the catch of the day on your private, poolside Ducane grill! There's always a breeze on the third floor deck, where you can while away the time reading or sunbathing. Ceiling fans in the bedrooms add to the tropical ambiance of your artfully decorated vacation home.
- Suitability:
- children welcome
- non smoking only
- pets not allowed


text:
The Top 10 In Action Sports
01This British Council Is Trying To Make Skateboarding A Crime...
02Want To Escape The UK And Surf Every Day? This Is The Place To Go…
03Snowfall In New York Has Been So Deep, People Can't Get Out Of Their Houses
04What Do You Get If You Cross A Zip-Wire With A Roller Coaster?
0523 #FirstWorldProblems People Encounter When Skiing
067 Awkward Moments Every Brit Experiences When Surfing Abroad
07'Has Skiing Made Me Bald?' - What Do You Contemplate When You're On The Chairlift?
08This Squaw Valley Ski Edit Is Not To Be Missed...
09This 22 Year Old Student Took Three Years To Make This Adventure Film. The Result Is Truly Beautiful…
10From Small Photo To Breathtaking Reality: This Ski Trip Is One Of The Best We've Seen...
Backcountry Adventure Center
A Other video by yournewbestfriend - 1,926 views
Located in the village just steps from the Disney lift, the BAC provides the gear, expertise and guides to finally step outside the gates. Explore some of the best terrain in the Tahoe basin with the best in the biz.
What Do You Think?
Get the best in action sports straight to your inbox