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August is National Make-a-Will Month. We talked to Abbey Stephenson, Planned Giving Officer at Renown Health Foundation, to learn more about wills, trusts and estate plans and why you should feel motivated this month to get started. Why Make a Will There are so many reasons why it is difficult to make a will or put an estate plan in place. These include: Lack of time or money to prepare a plan The misperception that “only rich people need an ‘estate plan’” How intimidating legal documents can be General discomfort with planning for the future Given the barriers to making a plan, it’s not surprising that only 32% of Americans have a will or trust in place. But having a will or trust matters because these are the documents where you can say who will inherit your assets, who will manage your assets and estate, and who should be guardian of a minor or a child with a disability. Where to Begin If you have been thinking about putting together a will and don’t know where to begin, here are some next steps you can take. 1.  Learn the terms. If you have never created a will, trust, or an estate plan, the language can be hard to get used to. A few important terms to know include: Last will and testament (also known as a will): a legal document that describes how you would like your property and other assets to be distributed after your death. This is also the document where you can nominate a guardian for a minor or disabled child. Personal representative (also known as an executor): a person named in a will responsible for collecting your assets, paying your debts and final taxes, and distributing the remaining assets to those stated in your will. Personal representatives must be formally appointed by a judge and report certain information to the judge for review and approval. Living trust (also known as a revocable or family trust): a legal arrangement set up through a document called a trust instrument or a declaration of trust that gives someone called the trustee power to make decisions about the trust creator’s money or property held in the trust. Estate plan: a collection of documents that help organize what happens to you and your assets upon your disability and death. Your estate plan is comprised of documents such as a will, trust, and advance health care directive. If you want to learn more about these terms and estate planning in general, you are invited to attend a free one-hour estate planning education session on Aug. 22, 2024, at 10 a.m. or Oct. 21, 2024, at 11 a.m., hosted by Renown Health Foundation. Click here for more information and to register. 2.  Create a list of assets. Start by creating a list of your assets including real estate, investments, bank accounts, retirement accounts, business ownership interests, vehicles, life insurance, valuable personal property like jewelry or artwork, and any other significant assets. Click here and read our free estate planning guide. 3.  Put together a list of 2-3 people you trust. When you create your will, you need to name a personal representative who will collect all your assets, pay your debts, and work with the probate court to distribute the balance to the people and charities you name in your will. If you create a trust, you need to name a trustee to manage the trust assets under the terms of the trust document. It is a good idea to include at least two people who can take on these roles in case the first person becomes unavailable. If you do not have anyone you would trust as a personal representative or trustee, there are trust companies, banks, and other professionals and institutions who may be able to assist you. If you are the parent of a child who is under 18 or has a disability, you will also nominate a guardian in your will to care for that child if you and the other parent are gone.  4.  Start a list of who you would like to inherit your assets. Which people and organizations would you like to inherit the assets you own at the time of your passing? And which assets or how much would you like them to receive? You might want to consider who relies on you for support such as family members or charities, individuals and organizations that have made a difference in your life, or those you have a special fondness for. It is important to use the legal names of individuals you include as beneficiaries and the Tax ID number for any charity you include.  If you decide to make a gift to Renown as part of your will or estate plan and notify us, you will be included in the Renown Legacy Society. Legacy Society members enjoy invitations to exclusive events, special acknowledgments, and other unique benefits. Click here to learn more about the Renown Legacy Society. 5.  Put together a list of your professional advisors and enlist their help. Write down the names and contact details for any professional advisors you work with such as your accountant, financial advisor, investment manager, attorney, insurance agent, and planned giving officer.  You may want to seek their advice on how best to proceed and which assets are best gifted to which individuals and organizations from a tax standpoint. Collaboration among the professionals with whom you work can help your plan to run more smoothly when it is needed. Depending on your circumstances, it may make sense for you to introduce your trusted individuals to these professionals. 6.  Start drafting. Once you have these items in place, you will be in a good position to begin the drafting process. There are many capable estate planning attorneys in our community who can help you with drafting. There are other drafting resources available as well, but only a licensed attorney can provide you with legal advice. Click here to attend the free Family Estate Planning Series sponsored by Renown and presented by PBS Reno and the Community Foundation of Northern Nevada.

Read More About How to Get Started and Make Updates to Your Will

One of the first challenges Renown Rehabilitation Hospital patients face at discharge is entering a vehicle. This task holds significant importance for those on the road to recovery. Now, patients at Renown Rehabilitation Hospital can practice getting into a car before leaving, thanks to a generous donation from the Dolan Auto Group—a Toyota Highlander. This transformative gift was received by Renown Health Foundation last November. It allows therapists to help patients relearn and practice the critical skill of independently entering and exiting a vehicle. For Renown, the Dolan donation enhances our rehabilitation programs, nurturing a brighter and more self-reliant future for those in our care. Real-world practice is invaluable for those recuperating from illness or injury. "The Highlander enables patients to gain confidence in returning home and into the community, fostering independence," said Seth Langevin, Vice President of Neurosciences & Cardiovascular Service Lines at Renown Rehabilitation Hospital. “These opportunities help patients rebuild skills for life beyond the hospital walls,” continued Langevin. Dolan Auto Group's generosity echoes the spirit of community and underscores the power a vehicle can have in shaping lives and advancing healthcare in northern Nevada. A Legacy of Generosity The Dolan family, led by Tom Dolan, the owner, and founder of Dolan Auto Group, alongside his sons, Ryan, and Brady, has a long history of supporting Renown Health. In 2019, Tom's personal experiences in healthcare inspired him to generously contribute to the existing Pulmonary Rehabilitation Program at Renown South Meadows. Tom's donation doubled the equipment in the program, significantly expanding the number of patients we can treat and improving access to pulmonary rehab for our community. In recognition of his generosity, the program was named the Thomas S. Dolan Pulmonary Rehabilitation Program. Last year, Brady Dolan, COO of Dolan Auto Group and dedicated member of Renown's business board, spearheaded their donation of the Toyota Highlander to Renown Rehabilitation Hospital. Reflecting on his donation, Brady said, “Our community thrives when we come together to support one another.” Brady's dedication to helping others extends far beyond this donation. He's been a devoted supporter of Renown for years, volunteering on the Renown Health Foundation board and actively participating in events like Miracles at Montreux for Renown Children’s Hospital. Together with his family, Brady's ongoing kindness makes a significant difference in northern Nevada. The Impact of the Toyota Highlander Since the Highlander arrived at Renown Rehabilitation Hospital, its impact has been remarkable. Functional mobility has increased by 20 percent among over 500 patients who used the car. Car transfers, one of 22 crucial functional tasks assessed by the rehabilitation team, have seen substantial improvement. “The immediate progress highlights how crucial this donation is for advancing rehabilitation efforts at Renown, reinforcing our commitment to improving patient outcomes and restoring independence,” said Langevin.

Read More About A Gift From Dolan Auto Group

Is a man in your life struggling with depression? Many men find it difficult to acknowledge when they need help. Recognize their unique warning signs of depression with insights from psychologist Dr. Herbert Coard. Over 6 million men are diagnosed annually, often displaying symptoms like anger and aggression instead of sadness. Learn how to support them and understand these often-misinterpreted indicators. Behavioral Signs of Depression in Men High levels of the hormone cortisol are released during stressful situations affecting the neurotransmitter, serotonin (a feel-good hormone), contributing to depression. You can identify depression or suicidal tendencies by paying close attention to the following behavioral changes: Anger, irritability, or aggression Avoiding family or social situations Losing interest in family responsibilities, passions and hobbies Lack of sex drive Becoming controlling/abusive in relationships Risk-taking behavior such as; unsafe sex, overspending or gambling Not being able to concentrate or remember details Excessive drinking or drug use Having frequent thoughts about death Talking about suicide Attempting suicide Factors That Lead to Depression in Men Life Events Work stress or long-term unemployment can be huge contributing factors relating to depression. This type of life event can be overwhelming, making it impossible for a man to cope. Changes in Relationships The loss of a relationship can be a significant contributing factor to the emergence of depressive symptoms and past experienced physical, sexual, or emotionally abusive relationships. With this in mind, counseling can often help individual to overcome this type of trauma. Grief and Loss Overwhelming sadness due to the loss of a loved one can trigger depression. Although normal, each person goes through their own grieving period. For example, normal responses to death are insomnia, poor appetite and loss of interest in activities. Pay attention if grief seems prolonged or out of the ordinary. Health Problems In particular, depression coexists with medical conditions. As men age, this can be passed off as normal aging, but it could be more serious. In addition, illnesses such as thyroid disorders, Addison’s disease and liver disease can cause depressive symptoms. Diabetes, cancer, heart disease, or Parkinson’s disease can affect any age, thus triggering or worsening depression. Some older men also feel like they may be suffering from dementia because of difficulties with memory this may be a symptom of depression. A trip to the doctor may be in order to help alleviate concern and worry. Depression in Men and Suicide Frequently the emotional pain occurring with depression can distort a man’s ability to see a solution beyond suicide. Individuals with depression become very rigid and constricted in the way they solve problems. The statistics below speak for themselves, helping us understand the need to reach out to those who need our support. Male suicide rates are on rising – men die by suicide 3.53 times more often than women, accounting for 70% of all suicides. Sadly, every day 129 men commit suicide. White males accounted for 69.67% of suicide deaths in 2017. In 2017, firearms accounted for 50.57% of all suicide deaths. Middle aged Men who are middle aged have the highest suicide rates. 40% of those identifying as transgender have attempted suicide in their lifetime. Males who are guy or transgendered are at an increased risk for suicide attempts, especially before age 25. Veterans often suffer from post-traumatic stress disorder (PTSD) and depression, and are more likely to act on a suicide plan. How You Can Help Now that you can identify some of the warning signs of depression, here’s how you can help: Talk about your concern and communicate that you’re there to help him. Let him know depression is a medical condition and will usually get better with treatment. Suggest professional help from a Primary Care Provider, Psychologist or Therapist. Help set up appointments and offer to accompany him – let him make the decision, but make it clear you’re there for him, no matter what he decides. If you feel he is in a dire or life-threatening situation, contact 911. Call the National Suicide Prevention Lifeline at 1-800-273-TALK (1-800-273-8255) to talk to a trained counselor. Call the Veteran’s Crisis Line at 1-800-273-TALK (1-800-273-8255) and press “1”

Read More About How to Spot Depression in Men

If you have the chance to meet Tami and Richard Dethmers, you will quickly discover a remarkable couple who embody a heartwarming spirit. Married for 44 years, they cherish family above all else. With five children and 10 grandchildren, their family is not just their priority—it's their whole world. It is this love and their steadfast faith that led Tami and Richard to make a transformative donation to Renown Children’s Hospital. The Heart of Giving In 2023, Tami toured the construction of the new Wilbur D. May Neonatal Intensive Care Unit and Pediatric Intensive Care Unit at Renown Children's Hospital. She was touched by the idea of creating a special place for sick children and their families. That night, she talked with Richard about how they could help. Together, they both agreed to make a generous donation that could help ease the pain for families with children in the hospital. A Comforting Consultation Room Their donation established a consultation room in the Wilbur D. May NICU and PICU at Renown Children's Hospital. Tami and Richard's motivation stems from personal experience, having seen their grandson endure four open-heart surgeries. "I remember challenging conversations with doctors, surrounded by other families in the open PICU. It was difficult,” said Tami.  In this new consultation room, families have a private space to learn about the next steps in their journey, gaining insights into the illnesses affecting their children. It is a dedicated space where doctors can discuss treatment plans and medical information with families. Designed to be a supportive and calming environment, the room features art on the walls, and a window bathes the space in beautiful, natural light, offering comfort to families in need. Tami and Richard’s donation ensures that families in the NICU and PICU can navigate difficult conversations with doctors in a thoughtfully designed space. Because We Love You and We Care In the new consultation room, a powerful message is printed and framed: 'Because we love you and we care.' This phrase is an important part of Tami and Richard’s donation, reflecting words they spoke to their children while they were growing up. For them, it symbolizes love, care, and a commitment to offering support. A Legacy of Comfort Tami and Richard, along with their family, are dedicated to an ongoing legacy of giving. Together, they also donated blankets to patients and families who use the consultation room. “I hope they provide an added layer of comfort,” said Tami. Each blanket includes a custom tag repeating those same words 'Because we love you and we care.' Richard echoes Tami's sentiments. “We do what we can because we love children, and there is no greater pain than a child in distress,” Richard said, emphasizing their shared dedication to helping children in need. Together, with their children and grandchildren, they continue to make a difference, embodying the power of compassion and generosity in their family's legacy.

Read More About Why I Give: Tami and Richard's Story

Above: Brian Cushard (left), Renown Health Foundation Board Chair, with his family At Renown Health Foundation, our mission is simple yet powerful – to raise funds that support Renown Health, the largest not-for-profit health system in northern Nevada. We are the driving force behind initiatives that bring state-of-the-art equipment, conduct groundbreaking research, enhance healthcare services, improve patient outcomes and contribute to the overall well-being of our community.  Our Dedicated Board of Directors  Our impactful work would not be possible without our Board of Directors – a fantastic team of 27 local volunteers. They bring diverse skills to the table, working together to create positive changes in healthcare for northern Nevada. Our board is at the core of our Foundation's success by guiding important decisions, sharing valuable insights and actively engaging in community relationships.  Meet Brian Cushard – Renown Health Foundation’s Chair  Brian Cushard took on the role of Foundation Board Chair at the beginning of 2024. Brian, who is the President of LP Insurance Services in Reno, will lead us for the next two years, bringing a wealth of experience and a deep commitment to community well-being. Since joining Renown Health Foundation’s Board in 2018, Brian has been instrumental in shaping our strategic direction.  Brian’s Vision: Advocating for Renown Health’s Mission and Making a Difference  We had the opportunity to sit down with Brian and explore his passion for healthcare philanthropy and the positive changes he envisions. Brian's 'why' is firmly rooted in the belief that a robust health system serves as the backbone of the community. His vision extends beyond fundraising; it's about inspiring the community by sharing remarkable stories of care and championing Renown's impactful contributions.  Q: Why does Renown's mission matter to you, and how do you see your role making a difference?  A: Renown's mission matters deeply to me because, without a highly functioning healthcare system, the economic structure of the community can be impacted. At LP Insurance, where I work, we see ourselves as guardians of our clients' hopes and dreams. This translates to my role on the Board as stewards for the health of others. Advocating for a highly functioning health system is crucial in supporting community members and clients alike. Surrounding ourselves with a solid network is essential. As advocates, our voices are integral in ensuring that everyone's voices are heard.  Q: Can you share a moment that made you want to support healthcare causes?  A: There are those stop-in-your-tracks healthcare moments that make you reassess life's priorities. I've had moments where life comes to a standstill, and what you once thought was important takes a backseat to the basics of life—getting better, one step at a time. In those vulnerable moments, you realize the importance of every person at the hospital. In desperate need, we rely on them. It's eye-opening and gives perspective on what's truly valuable in life.  Q: Tell us about a time when you saw the positive impact of healthcare or philanthropy. How did that influence your decision to get involved?  A: One impactful moment in philanthropy stands out — the Music and Miracles concert featuring the Beach Boys. LP Insurance was a major donor, contributing $100,000 to benefit Sophie’s Place, a music therapy room coming to Renown Children's Hospital. On the day of the event, my wife and I volunteered and saw the remarkable community support for Renown Children’s Hospital. The collective efforts that day raised over $1 million, specifically designated to establish Sophie’s Place. This experience inspired me to want to do more, as I recognized the profound positive impact that philanthropy can have on healthcare and the community.  Note: Sophie’s Place, opening later this year, will offer vital care and healing experiences for young patients at Renown Children’s Hospital.

Read More About The Impactful Role of Renown Health Foundation's Board of Directors

Kick off 2024 with us as we celebrate the team behind our very own Renown Health Foundation!  When you visit Renown Health, you take a look around and can’t help but notice the robust programs in place. You look left and see our thriving Children’s Miracle Network Hospital at Renown, making a lasting impact on pediatric healthcare in our region. You look right and see the advanced William N. Pennington Cancer Institute, providing leading-edge treatments right here in our community. You look around you and notice an influx of smiling nurses from the Orvis School of Nursing at the University of Nevada, Reno (UNR) who receive tuition assistance, thanks to generous donations to the Gerald “Jerry” Smith Academic Practice Partnership. Then, you think to yourself: “These programs must need a lot of money and support. So, how on earth is this all possible?”  What you may not know is that these programs are funded by the generosity of our community, all made possible by the work of Renown Health Foundation. As the largest not-for-profit health system in northern Nevada, our mission to make a genuine difference in the health and well-being of everyone we serve flourishes because of the donations, sponsorships, endowments and more that our Foundation brings in from philanthropists all over the region.  Making It Happen  The reach of Renown Health Foundation has proven to be virtually limitless, with a clear focus on supporting and raising funds for programs and initiatives that enhance the lives of our patients and their families, all for the betterment of our community for years to come.  Under their growing umbrella, the dedicated team at the Foundation makes miracles happen through administering a wide range of philanthropic programs, including: Children’s Miracle Network Hospitals (CMNH), a nonprofit organization that supports the health of 10 million children in the U.S. and Canada every year. Renown Children’s Hospital is proudly recognized as a member of CMNH. Gerald "Jerry" Smith Academic Practice Partnership, a partnership between Renown Health and the UNR Orvis School of Nursing to provide 24 nursing students a year with full-ride tuition assistance and a guaranteed career in nursing at Renown. Fianna’s Healing Garden, a healing garden bringing serenity to all at Renown Regional Medical Center, built from the vision of Fianna Dickson Combs. Miracles at Montreux Golf Tournament, an annual golf tournament that takes place at Montreux Golf & Country Club and consistently raises hundreds of thousands of dollars for Renown Children’s Hospital. A full slate of individual giving programs, including Legacy Giving, Employee Giving and Leadership Giving.  But it doesn’t stop there – the Foundation is helping our health system build more ways to care for our community by securing major gifts to fund advanced healthcare facilities and innovative healthcare solutions:  William N. Pennington Cancer Institute, the premier oncology institute in the region providing a large array of personalized cancer care services, including Medical Oncology, Infusion Services, Clinical Research and more. Renown Institute for Robotic Surgery, offering the latest advancements in surgical technology with robotic-assisted surgeries, which ensure precision, faster recovery and improved outcomes. Sophie’s Place, a state-of-the-art music therapy room currently in construction at Renown Children’s Hospital. This new space will be specially designed for children and their loved ones to enjoy the healing power of music and engage in the arts. Conrad Breast Center, the latest addition to the planned Specialty Care Center at Renown South Meadows Medical Center which will include breast imaging, infusion and surgery services along with a wellness center. Jeanne and Raymond Conrad donated a $5 million lead gift to support this important project and the Foundation team is currently working to raise an additional $6 million in 2024. It may go without saying that a day-in-the-life of these spirited team members is never a dull one. Every day brings on a new challenge to face and a goal to meet.  “A day at the Foundation is a day full of emails, calls and visits with friends of Renown,” said Abbey Stephenson, Planned Giving Officer. “Our main goal is to raise funds to support the mission of Renown, and most of our outreach efforts are to encourage philanthropy and donations. We have a very collaborative team, so we can often be found in each other’s offices strategizing about fundraising initiatives, communications and next steps with specific supporters.”  “For me, a typical day involves making sure I have a donor scheduled for coffee or lunch, working on proposals that may need research and preparing presentations,” added Jerry Cail, Major Gifts Officer. “Staying connected, I send thank you notes for any donations-usually once a week and make at least three ‘Grateful Patient’ calls to set appointments. I always make sure I am ready to contribute to any meetings I have for the Foundation."  While the scope of the Foundation’s charitable efforts goes beyond hospital walls, they also thrive right here in our own health system. Through our Grants Program, Renown’s departments and programs can leverage the connections and skills Renown Health Foundation has in order to secure funding from a multitude of grant sources.  "Grant funds from foundations, and local, state and federal governments benefit the patients and communities we serve to further our mission, vision and values,” said Pam Citrynell, Development Officer. “Past grants have supported the purchase of state-of-the-art equipment, facility development, pandemic recovery, research and clinical trials, physician and researcher recruitment, community health programs and educational training for our healthcare professionals.”  Every Foundation team member lives their passion every day while at work, frequently expressing gratitude for the immense impact they have the opportunity to make.  “I love coming to work because I get a very real opportunity to make a genuine difference and meet some fantastic people who believe in and support our mission,” said Leah Nelson, Director of Community Giving. “I have had the honor of meeting donors and the families they support. I couldn't be prouder of what our team has accomplished over the years and am excited for what is to come.”  The impact of the Foundation team’s tireless efforts extends far into the future, securing Renown’s lasting legacy in contributing to the continued health and well-being of our community.  “Philanthropy is not only a financial science but a very specific methodology where connecting resources are paramount; it requires careful intelligent management coupled with lots of hard work, patience, and vision,” said Yvonne Murphy, Development Officer. “The work that the foundation does every day makes resources available to enhance the healthcare experience for all those who seek care at Renown. Our work impacts not only this present moment but in fact is a legacy that will bless this community beyond our lifetime.”

Read More About Department Spotlight: Renown Health Foundation

Pictured above from left to right: Jessica Bajwa, Nancy Bell, Laurie Goodman and Troy Fernandez As we approach the holidays and the season of giving, we reflect on the generosity and kindness that our employees here at Renown embody. Since 2007, Renown employees have donated $2,931,018 through Renown’s Employee Giving Program. This program provides our staff with the opportunity to make a difference by funding advanced equipment, research, community health initiatives, professional training and more. Regardless of the dollar amount, every contribution has a meaningful impact and remains entirely within Renown to support our mission. Employees can participate in the program at any time of the year by signing up for recurring payroll deductions or by making a one-time donation of any dollar amount. They can donate to one of Renown’s top priority areas of support or a different fund of their choice.  Meet Jessica, Nancy, Laurie and Troy  Renown employees Jessica Bajwa, Nancy Bell, Laurie Goodman and Troy Fernandez all have their own reasons for participating in the Employee Giving Program, but they all share the same goal: To give back to their community. Jessica Bajwa has been working at Renown for about seven years. She was at an employee event five years ago and found out about the Employee Giving Program through Renown Health Foundation. They explained the different areas she could donate to and how to get signed up. When Jessica looked back on the comforting care and healing her daughter had received at Renown Children’s Hospital, she felt empowered to give back to other children and families staying at Renown, so she enrolled in recurring payroll deductions to donate to Healing Arts. “It’s so easy and convenient to sign up,” said Jessica. “It means a lot to me to give to this area where they provide a healing environment, especially for patients and families at Renown Children’s Hospital – My daughter still has a blanket they gave her when she was there,” Jessica said she likes that the Employee Giving Program allows employees to choose their area of support to donate to and donation amount.   Nancy Bell said she’s proud to give back to Renown after having received a great amount of support from her coworkers during an incredibly difficult time when a family member of hers was being cared for in Renown’s ICU, just three weeks into her employment at Renown. “I had employees from not just my team but also across the organization reaching out to me and checking in to see how I was doing,” said Nancy. Nancy said she was positively impacted by that kind of support through her work family at Renown and decided to start giving back in 2011 by signing up for recurring payroll deductions to donate to the William N. Pennington Cancer Institute – to this day, she is still making donations to this area of support.   When Laurie Goodman began working at Renown in 2013, Renown’s Human Resources team offered her different ways to give back as an employee. “At the time, I was often caring for foster children and seniors,” said Laurie. “My family and I have always wanted to help others in need.” Laurie had been taking care of an elderly woman who was a patient at the old Renown Skilled Nursing Facility and decided to enroll in payroll deductions to donate to this facility. When that facility closed, she received a letter asking which area she wanted to transfer her donations to, and she decided to begin donating to Renown Children’s Hospital to give back to kids in the community. “I’m fortunate for not only my employment at Renown, but my husband’s and daughter’s employment as well. As employees of Renown, we have such great jobs, benefits and opportunities, and I think we should all strive to give back to express our gratitude and appreciation.”  At his employee orientation in 2012, Troy Fernandez heard about Renown’s Employee Giving Program and learned that funds were needed for individuals who needed financial support to pay for healthcare services at Renown. He knew his donations would go to a good cause and signed up for recurring payroll deductions to donate to the Greatest Need Fund. “It feels good to be able to give back to those who are less fortunate than us,” said Troy. “It was very easy to enroll in this program, and I’ve been donating to the same support area ever since.”

Read More About A Token of Appreciation: Renown’s Employee Giving Program

When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans typically require you to select a primary care physician (PCP) and obtain a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO stands for “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.

Read More About Health Insurance Terms Explained: HMO, EPO and PPO Plans

Health insurance might be one of the most complicated purchases you will make throughout your life, so it is important to understand the terms and definitions insurance companies use. Keep these in mind as you are comparing health insurance plan options to choose the right plan for you and make the most of your health insurance benefits. One area of health insurance that can cause confusion is the difference between a plan's deductible and out-of-pocket maximum. They both represent points at which the insurance company starts paying for covered services, but what are they and how do they work? What is a deductible? A deductible is the dollar amount you pay to healthcare providers for covered services each year before insurance pays for services, other than preventive care. After you pay your deductible, you usually pay only a copayment (copay) or coinsurance for covered services. Your insurance company pays the rest. Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles. What is the out-of-pocket maximum? An out-of-pocket maximum is the most you or your family will pay for covered services in a calendar year. It combines deductibles and cost-sharing costs (coinsurance and copays). The out-of-pocket maximum does not include costs you paid for insurance premiums, costs for not-covered services or services received out-of-network.  Here's an example: You get into an accident and go to the emergency room. Your insurance policy has a $1,000 deductible and an out-of-pocket maximum of $4,500. You pay the $1,000 deductible to the hospital before your insurance company will pay for any of the covered services you need. If you received services at the hospital that exceed $1,000, the insurance company will pay the covered charges because you have met your deductible for the year. The $1,000 you paid goes toward your out-of-pocket maximum, leaving you with $3,500 left to pay on copays and coinsurance for the rest of the calendar year. If you need services at the emergency room or any other covered services in the future, you will still have to pay the copay or coinsurance amount included in your policy, which goes toward your out-of-pocket maximum. If you reach your out-of-pocket maximum, you will no longer pay copays or coinsurance and your insurance will pay for all of the covered services you require for the rest of the calendar year.

Read More About Health Insurance Terms Explained: Deductible and Out-of-Pocket Maximum

Health insurance is complicated, but you don't have to figure it out alone. Understanding terms and definitions is important when comparing health insurance plans. When you know more about health insurance, it can be much easier to make the right choice for you and your family. A common question when it comes to health insurance is, "Who pays for what?" Health insurance plans are very diverse and depending on your plan, you can have different types of cost-sharing: the cost of a medical visit or procedure an insured person shares with their insurance company. Two common examples of cost-sharing are copayments and coinsurance. You've likely heard both terms, but what are they and how are they different? Copayments Copayments (or copays) are typically a fixed dollar amount the insured person pays for their visit or procedure. They are a standard part of many health insurance plans and are usually collected for services like doctor visits or prescription drugs. For example: You go to the doctor because you are feeling sick. Your insurance policy states that you have a $20 copay for doctor office visits. You pay your $20 copay at the time of service and see the doctor. Coinsurance This is typically a percentage of the total cost of a visit or procedure. Like copays, coinsurance is a standard form of cost-sharing found in many insurance plans. For example: After a fall, you require crutches while you heal. Your coinsurance for durable medical equipment, like crutches, is 20% of the total cost. The crutches cost $50, so your insurance company will pay $40, or 80%, of the total cost. You will be billed $10 for your 20% coinsurance.

Read More About Copays vs. Coinsurance: Know the Difference

Are you looking for health insurance coverage for the upcoming year? In that case, it's time to browse your options for an Individual or Family Plan. The Open Enrollment Period is from Nov. 1, 2023 until Dec 15, 2023. So, if you're looking for coverage by Jan 1, 2024, you must enroll by Dec 15, 2023. Get a Quote Online Suppose you don't qualify for a health insurance subsidy, no need to worry! You can still choose an individual and family health insurance plan from Hometown Health. Get a quote online by providing your location, the type of coverage you're looking for and your personal/family details. Once you've provided this information, you'll receive health plan options and pricing. And, if you find a plan you like, you can easily self-enroll online. Get Your Online Quote Today Enroll Through the Nevada Health Link Hometown Health offers Individual and Family health insurance plans on Nevada's Healthcare Marketplace, the Nevada Health Link. Through Nevada Health Link, eligible Nevada consumers can shop for, compare and purchase quality and affordable health insurance plans with ease. Nevada Health Link is the only health insurance resource that can provide eligible candidates with federal tax credits and subsidies to help cover the cost of your health insurance. Use Hometown Health's Insurance Subsidy Federal Poverty Level Calculator to see if you qualify for a tax credit or subsidy. Enroll via Nevada Health Link Work with a Health Insurance Broker  Hometown Health is northern Nevada's local insurance provider and if you have questions about Individual and Family Plan insurance benefits, you’re in luck! Hometown Health partners with our local health insurance brokers who will work with you, typically at no cost, to help you understand health insurance plans and benefits and find the plan that is best for you. Need assistance finding a broker? Connect with our team by submitting the form below. They'll provide you with a list of our local broker partners. Find a Broker Near You

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In the fall of 2020, Dan's world was suddenly shaken when he received a distressing call: his son, Jeremy, was admitted to Renown with complications from spinal meningitis. Without a second thought, Dan rushed from Southern California to be by Jeremy's side. For an agonizing 10 days, Dan remained in the ICU. He was overwhelmed with worry and helplessness as Jeremy fought for his life on a ventilator. During this time, Dan, an esteemed artist and professor, found comfort in the collection of artworks adorning the walls at Renown. With more than 2,000 pieces of original art, Renown has meticulously curated hospital rooms, hallways and various spaces to support those in need. Dan, who talks about art's magic every day as a professor, experienced its power in a new light.

Read More About Why I Give: Dan’s Story