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Latest News - GALENA INDIANA

Deweyville football hoping to make it back to playoffs in 2015


Earl Thomas III 4th Annual Football Camp a huge success West Brook Grads and NFL pro's Christine Michael and Ryan Grant return home to host camp Team Blue wins TASO 2A-3A Senior All-Star Baseball Game Team Blue wins TASO 4A-5A-6A Underclassmen All-Star ...

Ohio State linebacker Joshua Perry speaks out for Big Ten athletes


He and Indiana quarterback Nate Sudfeld were asked weeks ago to ...
of the views on him taking a stand on that was very positive,” said Perry, a senior from Galena and an Olentangy grad. “That’s exactly the perception that we need.

Program highlights Moses Carver


“Moses Carver had his original start — that we know of —from North Carolina to Indiana to Illinois,” she said ...
he decided that he was no longer able to farm, so he went to Galena, Kan., to live with his nephew, John Carver, on Shoal Creek.

ABC 6 INVESTIGATES: More Homeowners Accuse Shady Asphalt Company


Bill Worrell said he recently paid Tom Gilk $4,000 to repair his driveway in Galena. He says Gilk's crew dug out the ...
and is expected to be extradited Friday to Indiana where's he charged with counterfeiting, receiving stolen property, and possession ...

Floyd Central HS heads back to school amid road construction near school


(WHAS11) – Wednesday, July 29, marks the first day of school for thousands of students in Southern Indiana but for students at a Floyd ...
property at the intersection of Edwardsville-Galena Road and Highway 150. He watched from his parking lot Monday ...

Firm hired for traffic control for Old Vincennes Road project in Floyds Knobs


However, not only will the detour cause issues, but so will those turning from U.S. 150 onto Edwardsville-Galena Road. The Indiana Department of Transportation has been delayed installing a turning light at that intersection, which could pose safety issues.

Chicago getaways: The best golf resorts within driving distance of the Windy City


Galena is three hours west of Chicago near the Mississippi ...
French Lick -- the tiny blip on the map in southwest Indiana roughly five hours from Chicago -- shouldn't only be known as the home of some jump-shooting basketball legend.

ISP asking drivers to avoid U.S. 150 near Greenville, Galena


SELLERSBURG, IN (WAVE) – Indiana State Police are asking drivers to avoid traveling westbound on U.S. 150 near Greenville and Galena. Police made the request at 5:30 p.m. Wednesday to allow officers to clear several stuck vehicles and slide-off wrecks ...

Your ‘Craft’ Rye Whiskey Is Probably From a Factory Distillery in Indiana


Lawrenceburg, Indiana (not to be confused with bourbon-locale Lawrenceburg ...
The prize for the most upfront bottler has to go to Blaum Bros. of Galena, Illinois, which market Knotter—read “not our”—Bourbon with the transparent admission ...

Galena Biopharma Issues Letter To Shareholders, And A Case Of Insider Seller's Remorse


Galena Biopharma has recently been in the news following an ...
And so, together dear readers, we are off to Indiana. N. Shadeland runs through a somewhat dilapidated neighborhood in Indy, more comfortably a home for check cashing outfits and "We Buy ...

Carpenter Galena Park (TX) – Galena Park Carpenters


Carpenter Galena Park (TX) Lending helping hands when you need masterpieces built in Galena Park (TX). Papa’s Carpenter Specialists in Galena Park, Texas work with, builds and fixes items and struct…

The Civil War in Illinois by Tom Emery


The Civil War in Illinois by Tom Emery is a collection of newspaper columns that the author wrote from 2011 to 2014.  The seventy-one articles are about 650 words each and were written for a general a…
Jobs from Indeed




SPECIAL INFORMATION FOR GALENA

People help people. Gods do not help people

HealthDay news image Organ transplants have saved more than two million years of life in the United States over a period of 25 years, new research shows.But fewer than half the people who needed a transplant in this period they received, according to a report in the online edition of the January 28 issue of the journalSurgery JAMA ."The critical shortage of donors continues to affect this field. Just 47.9 percent of patients on the waiting list during the 25 years of the study underwent a transplant. The need is increasing, and therefore the Organ donation should increase, "wrote Dr. Abbas Rana, Baylor College of Medicine in Houston, and colleagues. The researchers analyzed the medical records of more than 530,000 people receiving organ transplants between 1987 and 2012, and nearly 580,000 people who signed up for the waiting list but never received a transplant. In that period, transplants saved 2.2 million life years, with an average of just over four years saved for each person who received a transplant from a living body, the study authors noted in a news release from the journal . The number of years saved by type of organ transplant life were: kidney, 1.3 million years; liver, more than 460,000; heart, almost 270,000; lung, about 65,000: pancreas and kidney, nearly 80,000; pancreas, just under 15,000, and intestines, around 4,500. One expert noted the relevance of the findings. "This study highlights the importance of organ donation, and shows that solid organ transplants save lives. One organ donor can have an impact on up to 50 lives," said Dr. Kareem Abu-Elmagd, director of the Center for transplant at the Cleveland Clinic in Ohio. "The field of transplantation continues to seek ways to save more lives," said Abu-Elmagd. "For example, the program of ex vivo perfusion of organs of the Cleveland Clinic has been studying perfusion technology to better preserve organs donated." Powered by infusion, a machine pumps oxygen and nutrients to the donated enriched to prevent damage or deterioration of the body prior to transplant into a patient waiting, according to the Cleveland Clinic organ solution. Baylor researchers suggested a direct solution. "We call for greater support of transplantation and solid organ donation, valuable efforts have an impressive record of achievements and tremendous potential to do even more good for humanity in the future," concluded the authors. HealthDay, translated by HispaniCare

SOURCES: Kareem Abu-Elmagd, MD, Ph.D., director, Cleveland Clinic´s Transplant Center, Ohio; JAMA Surgery , news release, Jan. 28, 2015

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GALENA INDIANA tspan:3m GALENA INDIANA




Make Your Health Benefits Work for You in GALENA INDIANA

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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In GALENA INDIANA: Why Good Trade Deals Matter to a Business

Nick Martin is the co-founder of The Pro´s Closet, an online used-cycling business. He sent the following email to the White House list to highlight why a better trade deal means a brighter future for online businesses like his.

The Trans-Pacific Partnership isn´t just President Obama´s proposed trade deal -- it´s mine, too. It´s a trade deal that millions of other online small business owners in this country would be proud to add their name to. I want to tell you why:

Every time I step through the doors of one of our 4,000-square-foot warehouses in Boulder and Denver, Colorado -- every time I see the bikes and cycling parts that line those walls and take in the energetic buzz of our 30-member team -- I take a step back and reflect on a simple fact: I own a business. It’s a "pinch-me" moment -- every time.

I am a cyclist and the proud co-owner of The Pro´s Closet, an online used-cycling store. And thanks to the Internet and the availability of e-commerce platforms like eBay, we´ve gone global. After all, when it’s not cycling season in the U.S., it’s peak season somewhere else in the world.

International customers aren´t just good for business abroad; they’re great for my Colorado communities. Why? Because selling in more markets means I can hire more people here at home. In fact, more small businesses are using the Internet to grow their business by reaching new customers they couldn´t reach before.

This is why trade is so important to me. If the success of American businesses in the global economy is important to you, say you’re an ambassador for a better trade deal that delivers a brighter future for all of us.

It may seem like a really remote and technical issue, but it actually has a real impact on how small businesses like mine do business. Currently more than 40% of our transactions cross U.S. borders. Unfortunately, most of our trade rules were written in a "pre-Internet" era, which means they are a nightmare to navigate for small online businesses.

Here’s an example: Right now, customs rules are so inconsistent and hard to follow that if we put a cycling part in the wrong packaging or mail it with the wrong label, it won’t make it to our customer in one country. The rules are different for each country, and are sometimes set up in a way that completely blocks out American business.

That is why it is so important that we secure the Trans-Pacific Partnership, a new kind of trade agreement that will ensure America writes the rules and levels the playing field for online businesses and American workers by:

Reducing and eliminating tariffs across the Asia-Pacific region

Streamlining customs procedures

Making the rules more transparent, consistent, and less costly

Helping keep the Internet open and free, enabling online businesses to operate without unnecessary infrastructure costs

Of course, as the President has said, not all of our past trade deals have lived up to their promise. Thankfully, this trade deal is on track to be different. In fact, the Trans-Pacific Partnership is shaping up to be the most progressive trade deal the world has ever seen. [13]










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