One of the many benefits available to members of the University of Maine Benefit Program is MDLIVE, a virtual care provider able to respond to your non-emergency questions and concerns 24/7/365.
What is MDLIVE?
With MDLIVE, you can access a doctor from your home, office, or on the go- 24/7/365. Our Board Certified doctors can visit with you either by phone or secure video to help treat any non-emergency medical conditions. Our doctors can diagnose your symptoms, prescribe medication, and send prescriptions to your pharmacy of choice.*
While MDLIVE is not intended to replace your primary care doctor, a virtual doctor’s appointment can sometimes substitute for a doctor’s office, urgent care, or an emergency room visit.
It is important to note that MDLIVE is designed to handle non-emergency medical issues. You should not use MDLIVE if you are experiencing a medical emergency. In case of a medical life threatening emergency, you should dial 911 immediately.
When can I start using my new account?
You can start using MDLIVE immediately after you sign up and activate your account. Sign up and activation are totally free. If you are required to pay, you will only be asked for your credit card information when you visit with a doctor. Once you have an MDLIVE account, you can browse doctor profiles, view available appointment times, and schedule an appointment with the doctor of your choice. Want to go one step further? Be sure to fill out your medical history profile to better prepare your MDLIVE doctor for your appointment.
Where is MDLIVE available?
MDLIVE is available anywhere in the United States. Our network of Board Certified doctors will be provided to you based on the state you are located. We make sure that each doctor is fully licensed to practice medicine in your state.
How much does it cost?
Getting started is totally free. If you’re receiving MDLIVE as part of a group benefit, you may not be required to pay at all. If you are required to pay, you will only be charged after you choose to consult with a doctor and your appointment time and payment information are confirmed. You can cancel your appointment and receive a full refund, provided that you cancel at least 24 hours before your appointment time. MDLIVE accepts most major credit and debit cards.
Want to learn more about MDLIVE?
Visit https://mdlive.com/ums or call 1-888-726-3171 and find out how this benefit offered by your University of Maine System Health Plan can fit your needs.
New Facilities Joining Tier 1 Benefits
For those of you in a benefit plan in which inpatient and outpatient facility copay’s are tiered based upon preferred providers, we are pleased to announce that effective January 1, 2017, the following facilities fall into your preferred tier (Tier 1) benefits.
These groups are associated with MaineHealth, a newly aligned collaborative with Cigna.
In addition to benefiting from a lower facility copay, MaineHealth’s contract with Cigna
will promote a higher level of quality of care, and lower costs for you and your family members.
With this latest development, all hospitals in Maine are now rated Tier One within the University of Maine System Health Plan(s).
For more information on your coverage and network providers, please visit your Benefits Page.
EHPTF: Not Just Another Acronym
What does EHPTF really stand for?
The Employee Health Plan Task Force (EHPTF) is a multi-stakeholder forum to provide guidance to the University of Maine System (UMS) regarding health care benefits for employees and their dependents.
Why is their work so important?
Because the University of Maine System is “self-insured” – As a self-insured employer, UMS pays for all medical and prescription claims for covered employees and dependents. All the risk of increased costs – as well as the benefit of slowing the rate of increase in health care costs – goes to UMS and employees in the form of monthly contributions costs. Each year monthly employee contribution amounts are determined based upon the most recent twelve months of closed claims. (For more information on what it means to be self-insured, go to www.fairhealthconsumer.org and enter “self-insured” in the keyword search).
If UMS is self-insured, why does my insurance card come from CIGNA?
UMS hires CIGNA as our plan administrator. CIGNA is paid an administrative fee to process claims, administer our medical and prescription plans and provide related services such as Disease Management, 24-Hour Health Information Line, Home Delivery Pharmacy, and Customer Support. (Go to www.MyCIGNA.com to access or get information on these and other resources such as CIGNA’s Health Cost Estimator and My WebMD Health Manager.)
What happens if the current year actual claims are more than predicted?
If at any time the actual claims expense is more than the established contribution amount, UMS must make up for the shortfall through other, unrestricted UMS financial resources.
What happens if actual claims are less than predicted?
If claims expense is 1% or more below the predicted contribution rate over a two-year period, current bargaining agreements and Board of Trustees policy provide for a rebate to be paid to affected employees.
No matter the season, breathing fresh air gives your body, brain, and spirit a boost! Outdoor exercise can increase your energy while decreasing tension, frustration, and depression. In the winter, exercise can be more invigorating, thus having an intensified positive effect on your body. All forms of exercise can increase your level of those “feel-good” hormones known as endorphins. Because your body has to work harder in the cold weather, your endorphin production is boosted even more, which can lead to a happier state of mind. Plus, exposure to natural light is a known depression fighter, especially for Seasonal Affective Disorder, a condition brought on by the shorter, darker days.
Cold weather exercising does have it challenges. You should be prepared and take steps to be safe:
Cancer and its many treatments
There are nearly as many treatments for cancer as there are types of cancer, making it one of the most complex diagnoses possible.
Cancer can begin in the lungs, the colon or even in the bloodstream. It can stagnate in certain areas of the body or spread through the body, and the spreading can happen slowly or very rapidly.
While cancers are alike in some ways, they can differ significantly in many others - including how they grow and spread.
Oncology research has advanced to the point that more people than ever before lead full lives after cancer treatment, but there is still not a definitive cure for cancer, and the multitude of treatment options further complicates managing the disease.
In addition, cancer has become so common that doctors are often quick to diagnose it and treat the disease as if it is invasive or fast-moving - which is not always the case.
If you have been diagnosed with cancer, it's important to confirm it is being treated appropriately. Treatments vary widely, and can include traditional therapies (such as surgery, chemotherapy and radiation therapy), newer forms of treatment (clinical trials) and complementary or alternative therapies.
Cancer can be difficult to diagnose, and misdiagnosis is increasingly common. With treatments that include surgery and radiation therapy, the need for certainty in your diagnosis is imperative before you and your doctor can even determine an appropriate treatment method.
This is an example of where the Best Doctors benefits can be so important and useful. After an in-depth review of your medical case by our experts, you will receive a straightforward, easy-to-understand report that either confirms your diagnosis and treatment or recommends a change. If you have been diagnosed with cancer, take advantage of Best Doctors to look beyond the diagnosis and plan for the best, most appropriate treatment.
Call 866-904-0910 or go online to members.bestdoctors.com
This information is not meant to provide medical advice or service, and should not be construed as the professional advice of Best Doctors. As such, Best Doctors does not guarantee or assume responsibility for the correctness of the information or its applicability regarding any specific factual situation. Personal health problems should be brought to the attention of physicians and appropriate health care professionals.
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