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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