50, of Westville, passed
away Saturday afternoon
William Brown of New
York City and Patricia
Dineen of Florida; his
sister, Lori Dineen-Ader
and her husband, Rich, of
mother-in-law, Janet St.
Ann; and many dear
Damon Fowler Band is
going to be performing at
Time: 9 p.m.
Venue: The Whitetail Pub
and Grill, Westville,
Tickets: Advance $18
/door $20. Tickets
outlets: The White Lotus
New Glasgow, H&R
Music New Glasgow The
Whitetail Pub and
survived by her son: Sam
and wife Lynda of
Carolina; eight sisters:
Helen Nowlin and husband
Joe of Westville, FL,
Linda Barfield and
husband PeeWee of Panama
City, FL, Pat Aufenthic
and husband Jeff of Red
Bay, FL, Marie Pettis and
On July 6,
1952, he was united in
marriage to Phyllis
Morrow in Westville. She
will miss him dearly ...
In his later years after
retiring, Bob enjoyed
traveling to Wisconsin
and Florida to go
fishing. He will be
missed by all who knew
and loved him.
Updated: Jan 26, 2015 at
3:48 PM EST WESTVILLE
– Mr. James C ...
James and Patricia, both
of Florida; his sister,
Lori Brown of Florida;
his mother-in-law, Janet
St. Ann; and many dear
friends. Friends may call
at the Fort Covington
addition to his wife, he
is survived by four
children, James Harold
Bowman and wife Barbara,
Colebank and husband
Bradford Bowman and wife
Darlene, Grafton, Lee
Anna Bowman and husband
Dale Wilson, Westville
Mr. David Lynn Brackett,
Sr. of Peak Road,
Westville, Florida passed
away Monday, January 05,
2015. He was 72. Funeral
services will be 2:00
p.m. Friday, January 9,
2015, in the chapel of
Sorrells Funeral Home in
Geneva with Rev. Clyde
Smith and Bro.
Frances Carter, 70 of
Westville, Florida went
to her heavenly home on
Saturday, January 3,
2015. Born Monday,
October 16, 1944 in
Westville, Florida, She
was preceded in death by
her parents Lorenzo
Williams and Lovie Taylor
Williams, two sons
officials said one ticket
matched all six Florida
Lotto numbers Wednesday
to win a jackpot of $48
million. The winning
ticket was purchased at
Stateline Liquors, 1065
Highway 179 A in
Westville. But because of
the type of ticket bought
by the ...
Florida Lottery officials
said Thursday the winning
ticket was purchased at
Stateline Liquors, 1065
Highway 179 A in
Westville. A total of 26
tickets matched five
numbers to win $5,241.50
each; 1,482 tickets
matched four numbers for
$72 each; and 30,434
SPECIAL INFORMATION FOR WESTVILLE
Make Your Health Benefits Work for You in WESTVILLE
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.
WESTVILLE FLORIDA tspan:3m
Health insurance on WESTVILLE
Young adults have several options to get coverage through the insurance market.
Find out if you are eligible for a Special Enrollment Period. You may be eligible for registration under the Special Enrollment Period unknowingly. If your student medical coverage you finished, you may be eligible for a Special Enrollment Period that will allow you to purchase a health plan through the Insurance Market. You might also grant a Special Enrollment Period if you get married or porced, have a child or adopt a child, moving to another area, and not old enough to be on the safe parent or have in your life some other event eligible to do so.
Find out how to request coverage for Medicaid
. You can enroll in Medicaid or the Childrens Health Insurance Program (CHIP) at any time of year. If you qualify you can now register.
You can get coverage from their parents plan until age 26, even if married, not living with their parents or dependent on them economically. After age 26, you qualify for a Special Enrollment Period.
These plans are an affordable way to protect yourself from the high costs of the worst cases, such as an accident or serious illness. If you are under 30, you can purchase a catastrophic plan coverage. Served three visits per year before you have paid the deductible and certain preventive services
Buying prescription drugs via the Internet: A consumer guide to WESTVILLE
The Internet has changed the way we live, work and even as bought. The advance of the Internet has made it possible to compare prices and buy products without having to leave the house. But when used for medicine is important to be very careful. Some websites sell drugs that are not legitimate, putting their health at risk.
For example, some websites that sell medicines:
They are not licensed pharmacies with state of the United States or are not really pharmacies.
They can give an incorrect diagnosis or sell you a drug that is not appropriate for your medical condition.
Do not protect your personal data (eg social security number and credit cards).
Some of the drugs that are sold on the Internet:
They are fake (counterfeit or adulterated).
They are very strong medicine dose or very low concentration.
They contain ingredients that can be harmful to your health.
They are expired or expired medicines.
They have not been approved by the Food and Drug Administration (FDA for its acronym in English), or have not been studied for their safety and efficacy.
They have been prepared using safe standards.
They are not safe for use with other medicines or products you use.
No right or have not been properly stored or shipped labels.
TALK TO YOUR DOCTOR BEFORE TAKING ANY MEDICINE FOR THE FIRST TIME
Talk to your doctor and get a physical before taking any medicine for the first time.
Use only medications that have been prescribed by your doctor or other health professional you trust, who is licensed in the United States to give prescriptions or prescriptions.
Ask your doctor if you have to do something specific for your prescription.
The following information will help protect (a) if you purchase medicines via the Internet:
KNOW WHERE YOUR MEDICINES COME TO MAKE SURE THEY ARE SAFE
Make sure that the website where you buy your drugs is state-licensed pharmacy in the United States and you are located in the United States. Pharmacies and pharmacists in the United States must be licensed by a state pharmacy board. The pharmacy board of the state where you reside, you can tell if the website you use is a state-licensed pharmacy if you have good reputation, and if you are located in the United States. For a list of state pharmaceutical boards in English at the National Association of Boards of Pharmacy (NABP) whose website is:www.nabp.net . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645), the Li line Telefónica Health National Hispanic Family.
The NABP is a professional association of pharmaceutical state boards. This association has a program that will help you find some of the pharmacies that are licensed to sell through the Internet. The websites where the hallmark of this program appears, have been checked to ensure they comply with federal and state regulations. For more information in English about this program and for a list of pharmacies where VIPPS® (Verified Internet Pharmacy Practice Sites ) seal appears, visit the website: www.vipps.info . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.
. Find the websites whose practices are designed to protect you a secure website should:
Be located in the United States and be licensed by the state pharmacy board which operates the website (visit the website www.nabp.net for a list of state pharmaceutical boards in English). For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.
Have a licensed pharmacist who can answer your questions.
Require a prescription from your doctor or other health professional who is licensed in the United States to give prescriptions or prescriptions.
Having a medium through which you can talk to a person if you have any problem.
MAKE SURE YOUR PRIVACY IS PROTECTED
Note that the privacy and security of the site you will find easy to use and understand.
Do not give any personal information (such as your Social Security number, the number of your credit card or your medical history) unless you are sure the website will keep the protected information and not made public.
Ensure that the website will not sell your personal information unless you authorize it.
PROTECT YOURSELF AND OTHERS
Report the web sites you do not feel safe (a), or those for which you have complaints. Visit the website www.fda.gov/buyonline and click under "Notify the FDA sites web troubled "to fill the form in Spanish.