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Self-Mastery


She is also the pastor at Spirit Space, a spiritual enrichment center in Saugatuck, Mich., and a licensed clinical social worker with practices in Michigan and Illinois. Her unique, soft spoken but success motivated style has made her a sought after ...

Clinic's new CEO sees opportunities to help growing community


Mantei grew up in the small northern Michigan town of Cheboygan. He got his bachelor's degree in accounting and master's degree in health care administration from the University of Michigan. After completing his education, Mantei worked as an administrator ...

Kids, sportsmen help DNR improve Drummond Island grouse habitat


“Sharptails will utilize these areas in the winter for cover and for the mast crop,” said Marty Sarrault of Cheboygan, president of the Michigan Sharp-tailed Grouse Association. “It’ll work for them, too. “Besides, I spend more time going after ...

Retire aging Straits of Mackinac oil pipelines to protect Great Lakes, island


University of Michigan researchers in 2014 called it "the worst possible ...
And I'm in good company, as the city of Mackinac Island, the Mackinac Island Community Foundation, and the Cheboygan County Board of Commissioners all have written the governor ...

$2 Million in State Grants Awarded to Six Michigan School Districts


Six districts will get the money, including two in Northern Michigan. The Cheboygan-Otsego-Presque Isle ISD was awarded more than $403,000. The Eastern Upper Peninsula ISD was given just less than $172,000. Genessee, Ingham, Jackson and Kent ISDs were also ...

Army Corps of Engineers begins court-mandated dredging in Cuyahoga River shipping channel


The news release says that Ryba Marine Construction is handling the dredging. The Corps is paying the Cheboygan, Michigan-based company $294,550 to dredge the first five miles and $1.49 million for the disputed sixth mile, which has the most sediment.

Goodwill opens its ninth store in northern Michigan


Store and donation hours will be Monday through Sunday from 9 a.m. to 7 p.m. and Sunday from 11 a.m. to 6 p.m. The Goodwill is located on 982 S Main St., Cheboygan, MI.

West Michigan military: See achievements by local service men and women


U.S. Air National Guard Airman 1st Class Jonathan L. Kiefer, a 2011 Cheboygan High graduate, recently completed basic military training at Joint Base San Antonio-Lackland in San Antonio, Texas. Army Pvt. Troy A. Murray, a 2012 Greenville High graduate ...

Cheboygan tops NMC in title game


CHEBOYGAN — This time around, they showed some improvement. The results, though, were still the same. Northern Michigan Christian dropped a 6-1 decision to Cheboygan in the NMSL championship game Wednesday afternoon. The Chiefs beat the Comets 4-0 ...

Cheboygan, Michigan Vacation Rentals


Cheboygan, Michigan offers great vacation house rental and home rental-by-owner deals for the knowledgeable traveler. No matter what budget or level of comfort you seek in your holiday to Cheboygan, MI, there's surely a great local vacation home rental ...

News Release: Experts Say High-Risk Mackinac Straits Pipeline Should be Shut Down


FOR IMMEDIATE RELEASE TO MEDIA: May 27, 2015Contacts:Liz Kirkwood, Executive Director FLOW (For Love of Water) Cell: 57 0-872-4956 Email:&nb sp;liz@flowforwater.orgGa ry Street, Former Director of Engineering…

Memorial Weekend Thrifting in Northern Michigan


This past weekend, Mr. and I went north to visit my parents. It was so nice to get away for a few short days, see my parents and do some treasure hunting! It sure is a lot easier to go away on a weeke…

Cheboygan: Michigan’s Gateway to Water Fun


Michigan has more registered boat owners than any other state, and Cheboygan, located where the Cheboygan River spills into Lake Huron on the Straits of Mackinac, is a big reason why. The town is the …

Area Businesses Participate in Talent Tours


Throughout April, Talent Tours took place throughout Cheboygan and Presque Isle counties to introduce area students to local businesses and careers. Talent tours are given by an employer in coordinati…

POLICE AND COAST GUARD ARE CARRYING OUT SEPARATE INVESTIGATIONS FOLLOWING FATAL SAGINAW RIVER BOAT CRASH IN MICHIGAN


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TEATR WIELKI IM. STANISŁAWA MONIUSZKI W POZNANIU; OPERA POZNAŃSKA, POZNAŃ, POLSKA (Grand Theatre in Poznan; Opera House in Poznan, Poznan, Poland)


TEATR WIELKI IM. STANISŁAWA MONIUSZKI W POZNANIU; OPERA POZNAŃSKA, POZNAŃ, POLSKAGRAND THEATRE IN POZNAN; OPERA HOUSE IN POZNAN, POZNAN, POLAND LOKALIZACJA (LOCATION): Fredry 9, 61-701 Poznań, PolskaK…

Diversity Sucks


Separation of Church and Cubicle: Religion in the Workplace What is behind this dissonance — fewer religious Americans, more Americans complaining? In part, it comes from the fact that recent waves of…

ultrafacts: Excerpt from THIS: [x] news report in 1883: The...


ultrafacts: Excerpt from THIS: [x] news report in 1883: The body of Frank Devereaux was recently found in the woods eight miles from Cheboygan, Mich. The surroundings showed that he was killed in a…

Separation of Church and Cubicle: Religion in the Modern Workplace


Originally Published: April 30th, 2015 Religion in America is once again undergoing a period of intense examination. The so-called religious freedom bills bubbling up in Indiana, Arkansas and many ot…

Northern Michigan’s Invisible Poverty


Columns Ken Winter Northern Michigan’s Invisible Poverty May 1, 2015 Petoskey—Poverty and joblessness has again taken center stage in northern Michigan as two major organizations—Cente r for Michi…




SPECIAL INFORMATION FOR CHEBOYGAN

Seven steps to keep your phone number when changing provider in CHEBOYGAN MICHIGAN

With a simple phone call you can reach someone who has not contacted in a while. This is one reason why many people prefer to keep their telephone number when they change provider or telephone company.

You can keep your local phone number or mobile if it remains within the United States. But before finalizing any changes, you should follow some suggestions:

1. Verify that you have completed your contract , if you have one supplier. Otherwise, the current company may charge you a penalty.

2. Contact the new provider to start the transfer number.

3. Make sure the provider can keep your current phone number.

4. Verify that there are no additional charges for service change. If so, try to reach an agreement with the supplier.

5. Read through the terms and conditions of the new contract before signing.

6. Provide the new phone company your 10-digit number and any other required, as your customer account number, access code and your 5-digit zip code information.

7. Cancel the previous service after obtaining the service with your new provider. Try to do the day of your closing date to avoid monthly outstanding balance.

Note: You can also transfer a local phone number to a mobile phone, but this process can take longer. Check with your supplier before making the change.

What can you do if you have some problems to transfer your number

If the provider can not solve it, you can file a complaint with the Federal Communications Commission by calling 1-888-225-5322 (English) 1-888-835-5322 (TTY for hearing impaired), or through Internet (in English).

This issue of keeping the phone number is known as Number Portability (keeping your number if you change providers). [26]



CHEBOYGAN MICHIGAN tspan:3m CHEBOYGAN MICHIGAN




What do you know about abuse of women in CHEBOYGAN MICHIGAN ?

Click the red escape button above to immediately leave this site if your abuser may see you reading it.

Signs of abuse

It can be hard to know if you´re being abused. You may think that your husband is allowed to make you have sex. That´s not true. Forced sex is rape, no matter who does it. You may think that cruel or threatening words are not abuse. They are. And sometimes emotional abuse is a sign that a person will become physically violent.

Below is a list of possible signs of abuse. Some of these are illegal. All of them are wrong. You may be abused if your partner:

  • Monitors what you´re doing all the time
  • Unfairly accuses you of being unfaithful all the time
  • Prevents or discourages you from seeing friends or family
  • Prevents or discourages you from going to work or school
  • Gets very angry during and after drinking alcohol or using drugs
  • Controls how you spend your money
  • Controls your use of needed medicines
  • Decides things for you that you should be allowed to decide (like what to wear or eat)
  • Humiliates you in front of others
  • Destroys your property or things that you care about
  • Threatens to hurt you, the children, or pets
  • Hurts you (by hitting, beating, pushing, shoving, punching, slapping, kicking, or biting)
  • Uses (or threatens to use) a weapon against you
  • Forces you to have sex against your will
  • Controls your birth control or insists that you get pregnant
  • Blames you for his or her violent outbursts
  • Threatens to harm himself or herself when upset with you
  • Says things like, "If I can´t have you then no one can."

If you think someone is abusing you, get help. Abuse can have serious physical and emotional effects. No one has the right to hurt you.

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Healthy vs. unhealthy relationships

Sometimes a relationship might not be abusive, but it might have some serious problems that make it unhealthy. If you think you might be in an unhealthy relationship, you should be able to talk to your partner about your concerns. If you feel like you can´t talk to your partner, try talking to a trusted friend, family member, or counselor. Consider calling a confidential hotline to get the support you need and to explore next steps. If you´re afraid to end the relationship, call a hotline for help.

Signs of an unhealthy relationship include:

  • Focusing all your energy on your partner
  • Dropping friends and family or activities you enjoy
  • Feeling pressured or controlled a lot
  • Having more bad times in the relationship than good
  • Feeling sad or scared when with your partner

Signs of a healthy relationship include:

  • Having more good times in the relationship than bad
  • Having a life outside the relationship, with your own friends and activities
  • Making decisions together, with each partner compromising at times
  • Dealing with conflicts by talking honestly
  • Feeling comfortable and able to be yourself
  • Feeling able to take care of yourself
  • Feeling like your partner supports you

If you feel confused about your relationship, a mental health professional can help. Remember, you deserve to be treated with respect.

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More information on Am I being abused?

Read more from womenshealth.gov

Explore other publications and websites

Connect with other organizations

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Make Your Health Benefits Work for You in CHEBOYGAN MICHIGAN

The Department of Labor´s Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits.

In addition, there are specific laws protecting your right to health benefits when you lose coverage or change jobs. EBSA also oversees health care laws covering special medical conditions. For more information on the laws that protect your benefits, see EBSA´s Website. Or call the agency toll free at 1-866-444-3272 to reach a regional office near you. These 10 tips can help make your health benefits work better for you.

1. Explore Your Options for Health Coverage

You have options for health coverage. There are many different types of health benefit plans. Find out what your employer offers, then check out the plan (or plans). Your employer´s human resource office, the health plan administrator, or your union can provide information to help you match your needs and preferences with the available plans. Or consider a health plan through the Health Insurance Marketplace. Visit HealthCare.gov to see the health plan options available in your area. Get information about all of your options and review it. The more information you have, the better your health care decisions will be.

2. Review the Benefits Available

Do the plans offered cover the benefits that are important to you, such as mental health services, well-baby care, vision or dental care? Are there deductibles? What are the out-of-pocket expenses you may face? Determine your needs and priorities. Compare all of your options before you decide which coverage to elect. Matching your needs and those of your family members will result in the best possible benefits. Cheapest may not always be best. Your goal is high quality health benefits.

3. Read Your Plan´s Summary Plan Description (SPD) for the Wealth of Information It Provides

Your health plan administrator should provide a copy. It outlines your benefits and your legal rights under the Employee Retirement Income Security Act (ERISA), the Federal law that protects your health benefits. It also should contain information about the coverage of dependents, what services will require a co-payment or coinsurance, and the circumstances under which your employer can change or terminate a health benefits plan. You also can find many of the answers to your questions in the Summary of Benefits and Coverage (SBC), a short, easy-to-understand summary of what a plan covers and what it costs. You should receive a copy with your enrollment materials. Save the SPD, the SBC, and all other health plan brochures and documents, along with memos or correspondence from your employer relating to health benefits.

4. Use Your Health Coverage

Once your health coverage has started, use it to help cover medical costs for services like going to the doctor, filling prescriptions or getting emergency care. Using your benefits will help you and your family stay healthy and reduce your health care costs. The Patient Protection and Affordable Care Act (ACA) provides many valuable protections for people enrolled in employment-based health plans including prohibiting preexisting condition exclusions and annual and lifetime limits on essential health benefits. What’s more, many plans cover certain preventive services for free, including routine vaccinations, regular well-baby and well-child visits, blood pressure, diabetes and cholesterol tests, and many cancer screenings. You also can keep your children on your health plan until age 26. Take advantage of your benefits, especially free preventive care if your plan covers it. If you were required to pay cost-sharing for a preventive service, check your Explanation of Benefits and ensure that the provider billed the service properly.

5. Understand Your Plan’s Mental Health and Substance Use Coverage

Many health plans provide coverage for mental health and substance use disorder benefits. If a plan does offer these benefits, the financial requirements (such as co-payments and deductibles) and the quantitative treatment limits (such as visit limits) for the mental health and substance use disorder benefits cannot be more restrictive than the financial requirements or treatment limits applied to medical/surgical benefits. Plans also cannot impose lifetime and annual limits on the dollar amount of mental health and substance use disorder services, including behavioral health treatment. Some plans cover preventive services like screenings for depression and child behavioral assessments for free. Check your SPD and SBC to find out what your plan covers.

6. Look For Wellness Programs

More employers are establishing wellness programs that encourage employees to work out, stop smoking, and generally adopt healthier lifestyles. The Health Insurance Portability and Accountability Act (HIPAA) and the ACA encourage group health plans to adopt wellness programs but also includes protections for employees and dependents from impermissible discrimination based on a health factor. These programs often provide rewards such as cost savings as well as promoting good health. Check your SPD and SBC to see whether your plan offers a wellness program(s). If your plan does, find out what reward is offered and what you need to do to receive it.

7. Know How to File an Appeal if Your Health Benefits Claim is Denied

Understand your plan’s procedures for filing a claim for benefits and where to make appeals of the plan´s decisions. Pay attention to time limits – make sure you timely file claims and appeals and that the plan makes decisions on time. Keep records and copies of correspondence. Check your health benefits package and your SPD to determine who is responsible for handling problems with benefit claims. Contact EBSA for assistance if you are unable to obtain a response to your complaint.

8. Assess Your Benefits Coverage as Your Family Status Changes

Marriage, Porce, childbirth or adoption, the death of a spouse, and aging out of a parent’s health plan are life events that may signal a need to change your health benefits. You, your spouse, and your dependent children may be eligible for special enrollment into other employer health coverage or through the Health Insurance Marketplace. Even without life-changing events, the information provided by your employer should tell you how you can change benefits or switch plans. If you’re considering special enrollment, act quickly. You have 30 days after the life event to request special enrollment in other employer coverage or 60 days to select a plan in the Marketplace.

9. Be Aware that Changing Jobs and Other Work Events Can Affect Your Health Benefits

If you change employers or lose your job, you may need to find other health coverage. If you have a new job, consider enrolling in your new employer’s plan. Whether starting or losing a job, you may be eligible to special enroll in a spouse’s employer-sponsored plan or through the Health Insurance Marketplace. Under the Consolidated Omnibus Budget Reconciliation Act – better known as COBRA – you, your covered spouse, and your dependent children may be eligible to continue coverage under your former employer-sponsored plan. This coverage is temporary (generally 18 to 36 months) and you may have to pay the entire premium plus a 2 percent administrative charge. Get information on your coverage options and compare. Be aware of the deadlines for deciding on coverage and find out when your new coverage will be effective.

10. Plan For Retirement

Before you retire, find out what health benefits, if any, extend to you and your spouse during your retirement years. Consult with your employer´s human resources office, your union, or the plan administrator. Check your SPD and other plan documents. Make sure there is no conflicting information among these sources about the benefits you will receive or the circumstances under which they can change or be eliminated. With this information in hand, you can make other important choices, like finding out if you are eligible for Medicare and Medigap insurance coverage. If you want to retire before you are eligible for Medicare and your employer does not provide health benefits in retirement, consider what you will do for health coverage. Your options may include enrolling in a spouse’s employer plan or in a Marketplace plan or temporarily continuing your employer coverage by electing COBRA. Planning for retirement includes planning for your health coverage in retirement. To find out more, read Taking the Mystery Out of Retirement Planning.

These Laws Can Help

  • The Employee Retirement Income Security Act – Offers protection for inPiduals enrolled in retirement, health, and other benefit plans sponsored by private-sector employers, and provides rights to information and a claims and appeals process for participants to get benefits from their plans.
  • The Patient Protection and Affordable Care Act – Creates the Health Insurance Marketplace and provides protections for employment-based health coverage, including extending dependent coverage of children to age 26; prohibiting preexisting condition exclusions and prohibiting lifetime and annual limits on essential health benefits.
  • The Consolidated Omnibus Budget Reconciliation Act – Contains provisions giving certain former employees, retirees, spouses, and dependent children the right to purchase temporary continuation of group health plan coverage at group rates in specific instances.
  • The Health Insurance Portability and Accountability Act – Allows employees, their spouses and their dependents to enroll in employer-provided health coverage regardless of open enrollment periods if they lose coverage or in the event of marriage, birth, adoption or placement for adoption. Also prohibits discrimination in health care coverage.
  • The Women´s Health and Cancer Rights Act – Offers protections for breast cancer patients who elect breast reconstruction in connection with a mastectomy.
  • The Newborns´ and Mothers´ Health Protection Act – Provides rules on minimum coverage for hospital lengths of stay following childbirth.
  • The Genetic Information Nondiscrimination Act – Prohibits discrimination in group health plan premiums based on genetic information. Also, generally prohibits group health plans from requesting genetic information or requiring genetic tests.
  • The Mental Health Parity and Addiction Equity Act and the Mental Health Parity Act – Requires parity in financial requirements and treatment limitations for mental health and substance use benefits with those for medical and surgical benefits.
  • The Children´s Health Insurance Program Reauthorization Act – Allows special enrollment in a group health plan if an employee or dependents lose coverage under CHIP or Medicaid or are eligible for premium assistance under those programs.

For More Information

Visit the Employee Benefits Security Administration’s Website to view the following publications. To order copies or to request assistance from a benefits advisor, contact EBSA electronically or call toll free 1-866-444-3272.

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