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For many cancer patients, a significant hurdle is simply getting to treatment. Patients from Nevada and California often face considerable financial and logistical challenges when traveling for care. Limited resources for transportation and lodging can result in missed appointments, treatment interruptions and delays in follow-up care. To address this crucial need, Renown Health Foundation partners with the American Cancer Society (ACS) to ensure our patients can access the care they need by reducing financial barriers many patients face ACS awarded $70,000 to Renown Health Foundation last year. These funds, distributed as gas cards and lodging support to qualifying patients, have proven to be a lifeline in assisting those in need. Fueling Hope with Gas Cards Through our partnership with ACS, Renown supported 128 cancer patients over the past year. This assistance provided 2,260 round trips, ensuring that patients from Nevada and California could attend their critical treatments at the William N. Pennington Cancer Institute at Renown. These patients, aged 15 to 94, traveled up to 320 miles, sometimes from remote areas such as Tonopah, Elko and Susanville, for their cancer care “We're deeply committed to supporting our patients through every step of their journey, and our partnership with the American Cancer Society is instrumental in making that happen,” said Jocelyn Mata, Oncology Social Worker at the Pennington Cancer Institute. “Without them, we wouldn't be able to provide the crucial financial assistance that many of our patients need.” Jocelyn works with qualifying patients to provide gas cards and accommodations at The Inn at Renown, a hotel at Renown Regional Medical Center. She ensures they can focus on their treatment without worrying about the financial burden. Lodging Support for Peace of Mind Along with transportation aid, we can provide safe and comfortable lodging for qualifying patients. "We encourage patients to rest and, if they have a long journey home, to stay overnight," said Dr. Max Coppes, Director of the William N. Pennington Cancer Institute. "Providing lodging support ensures they have a safe and comfortable place to recover before making the trip back." This assistance is crucial for those who travel far from home, allowing them to focus on healing without the added stress of finding and affording accommodation.

Read More About A Journey of Support: How Grants from the American Cancer Society Impact Patients at Renown

“A breast cancer diagnosis begins much like a jigsaw puzzle to be worked through. It’s an overwhelming mess of scattered pieces that make no clear sense, poured out of the box into a crumbling pile of confusion. But slowly with persistence, focus, determination, a positive attitude and working through the challenges day by day and piece by piece, they in time both become whole and beautiful again.” – Thonet LaBadie On Feb. 13, 2015, Thonet’s life as she knew it took a drastic turn. In just one moment, everything shifted. The happy and healthy wife, mother of 17-year-old twins, former teacher and immunization specialist was about to face the fight for her life. That fateful day nearly a decade ago was when she received the unsettling news: she had breast cancer, and it had metastasized to her lymph nodes.   Though she was faced with a daunting diagnosis, Thonet’s positive spirit and zest for life never wavered. Never did she think, “why me?” Nor did she think, “I’m not strong enough.” Her thought process was quite the opposite – “I am going to ride this rollercoaster until it stops, and I walk away cancer free.”  With her loving family and friends rallying behind her, as well as her expert Cancer Care teams at Renown Health and Cancer Care Specialists (formerly known as Reno Oncology Consultants), Thonet knew that her journey would not be traveled alone, and she was determined to defeat cancer once and for all. She promised her daughter Jourdyn she would stay strong and not give up the fight. The Unexpected Discovery Thonet did everything she believed was right in her preventative healthcare journey. She lived an active lifestyle, she filled her life with love and happiness, she did not have any genetic markers for breast cancer and never missed a preventive check-up. Someone like her shouldn’t develop such a debilitating disease, right?  As it turns out, she was told by professionals that with this disease, it’s become more often not about who develops breast cancer – but when.   Breast cancer makes up for about 30% of cancer diagnoses in women across the U.S. So, when Thonet felt a lump in her breast in Nov. 2014, she knew she had better play it safe than sorry. She took her concerns to her doctors, who ran all the necessary tests.  The unfortunate result: invasive ductal carcinoma (stage 2B), the most common form of breast cancer.  Though Thonet was terrified, she was also tenacious. She was ready to Fight the Good Fight right then and there.  Thonet chose to undergo a bilateral mastectomy. So that’s precisely what she did in April 2015 at Renown Regional Medical Center.  Thonet was ready to put breast cancer behind her, but unfortunately, the trek was just beginning. During her mastectomy, her care team tested her lymph nodes. Four were removed.  What came next was her most valiant fight of all: chemotherapy coupled with radiation, as well as more reconstructive breast surgeries along the way. Courageous Connections With 36 radiation treatments, 8 rounds of chemotherapy, 6 surgeries and 1 brave spirit, Thonet's healthcare journey has been nothing short of vigorous. Fortunately, she had an expert oncology team on her side every step of the way.  And it goes even further – Thonet’s college acquaintance Dr. Jennifer Sutton, an oncology physician at the William N. Pennington Cancer Institute (formerly the Renown Institute for Cancer), was her radiation oncologist. She felt comfort knowing that a significant aspect of her care was in the hands of a trusted physician and a team of loving nurses, cancer care navigators and radiation therapists, whom she calls the “Renown Radiation Rockstars.”  Thonet felt an immense connection not only to her warm and welcoming care team but also the other oncology patients she met along the journey. Patients facing cancer often receive radiation treatments several times a week, so Thonet had a chance to make close relationships with the other patients who were on a similar path as she was.  Throughout her treatment process, Thonet participated in cancer support groups, which she believes are vital for anyone diagnosed with the disease.  “Had it not been for my diagnosis, I would have never met all the amazing people I did at Renown and beyond,” she recalls. “At the end of my treatments, I knew I was going to miss them.”  The love and support of Thonet’s care team, fellow patients, family, friends and community helped her remain positive throughout the entire process, always focusing on the positive – even during the most physically and emotionally tolling parts of treatment. Crossing the Finish Line Every day brought a new obstacle to overcome, whether it was a treatment, a side effect or an emotional response to the intense journey. Thonet’s motto throughout it all was “day by day, one foot in front of the other, from start to finish.”  In Dec. 2016, Thonet finally made it to that finish line. With the completion of chemotherapy and radiation behind her, she walked out the front doors of the Pennington Cancer Institute, threw her fist in the air in excitement and finally got to revel in the fact that she had her health back. She had survived.  Inspired by her journey and her breast cancer “sisters” she met while in treatment, Thonet wanted to give the same level of care and attention she received back to her fellow community members battling cancer. She proudly serves as a breast cancer “angel,” offering comfort and support to those who need it most. Thonet is also looking forward to the completion of the Pennington Cancer Institute’s Conrad Breast Center, currently under construction at Renown South Meadows Medical Center, noting how important it is for breast cancer patients to have expanded access to crucial cancer care in south Reno.  Today, at nine years cancer-free, Thonet is thoroughly enjoying her life. She loves traveling, spending time with family and seeing her now-adult son and daughter thrive in their own lives. She also recently underwent hip replacement surgery and is proud to be back on her tandem bike with her loving husband of 33 years, Mike, who she credits for his never-ending support in sickness and in health.  “No looking back – only forward to healthy living. Onward!” Thonet exclaims.  And for anyone out there going through cancer treatments, Thonet has some words of wisdom to take to heart:  “Cancer chose the wrong person when it tried to tackle us. Stay strong and fight on, day by day. On even the most difficult, darkest day, remember that you are stronger than you know.”

Read More About The Pieces of the Puzzle: Thonet LaBadie’s Breast Cancer Journey

Many Renown Health employees have deep roots in the northern Nevada community and Haley Longfield is one of them. She’s a fifth-generation northern Nevadan currently living in Fernley and commuting to Reno three days a week for her job as a Radiation Therapist for the William N. Pennington Cancer Institute at Renown Health. She’s also a wife, mother of a 1-year-old, and an avid horseback rider who enjoys the western way of life. This year, Haley is excited to compete in the Reno Rodeo for a second time.   A Life-Long Passion Haley started riding horses in the fourth grade and quickly fell in love with it. A few years later, she started barrel racing and developed a profound love for the adrenaline-filled sport. “When I turned 18, my dad gave me all of the responsibility of owning a horse,” said Haley. “Ever since then, I’ve been paying for and taking care of my own horses.” As many who know and love horses would likely agree, Haley says they are therapeutic for the mind, body and soul. “Riding horses is a great way for me to use my brain and focus, or think about nothing at all,” said Haley.  Recently, Haley qualified to compete in this year’s Reno Rodeo in barrel racing with her 7-year-old mare named Hershey. “The first time I competed in the Reno Rodeo was quite a few years ago with my high school rodeo horse, and Hershey is the granddaughter of that horse,” said Haley. “The thing that I’m most excited about in competing at this year’s Reno Rodeo is getting to ride a homegrown horse in my hometown rodeo – she’s gorgeous, easy-going and gives it her all.”    Above: Haley Longfield on her horse Hershey at a barrel race Circle of Support  Haley feels grateful to have the support of her family, friends and team at Renown. “In addition to my family and friends, I have an incredible team at Renown that cheers me on both in my professional and personal endeavors,” said Haley. “I couldn’t do it all without them.” Alongside qualifying for the Reno Rodeo, Haley also recently received her bachelor's degree in applied science with an emphasis in radiation therapy.  Her career development goals consist of moving into leadership within her department. “My leader and team have been nothing but supportive of my goals. Our leader is invested in everyone’s personal development and aspirations, as well as our professional and career development,” said Haley. “I’m excited to one day follow in my leader’s footsteps and help employees in our department reach their own goals. I aspire to become a great leader like she’s been to us.”

Read More About Meet Haley Longfield: A Renown Radiation Therapist & Barrel Racer

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

Read More About 3 Ways to Enroll in a Hometown Health Insurance Plan

© AndreyPopov via Canva.com Becoming a Hometown Health plan member opens you up to the largest provider network in our region. As northern Nevada’s only not-for-profit health insurance company, the hometown advantage goes beyond your health coverage – and you may not be using all the perks available to you. Here are three benefits that Hometown Health is proud to offer all members to enhance wellbeing and connect the dots between healthcare and technology.  MyChart  MyChart is Renown Health's and Hometown Health’s secure online member portal that gives you direct access to your health and benefit information. From 24/7 access to your benefits and important documents to scheduling an appointment with your provider, this free tool is a great way to keep track of your family’s health. If you have a Renown primary care provider, you can use MyChart to:  Securely email your healthcare provider. Get your test results faster and view your After Visit Summaries. Request prescription refills. Schedule and check-in for appointments. Pay your bill. Request your medical records and review immunization records. Manage designated health care agents and upload end-of-life documents, such as advance directives and a living will. View or download your documents: Member ID Card, Summary of Care, Explanation of Benefits, Referrals and Authorizations. Get in touch with our Customer Engagement Center.  Telehealth  Virtual visits have never been easier thanks to Renown Telehealth and Teladoc. These two tools are convenient options that allow members to be seen by a qualified doctor via phone or video chat who can diagnose, recommend treatment and prescribe medication for many non-emergent medical conditions – no matter where you are. Some of the health issues your virtual provider can treat include:   Cold and flu Allergies Sore throat Sinus infection Respiratory infection Stomach bug Ear infection Urinary tract infection  Both Renown Telehealth and Teladoc are also staffed with specialists in behavioral health, where you can speak with a therapist or psychiatrist on a wide variety of issues, including:  Stress and anxiety Depression Trauma Grief Burnout Medication management  Renown is also proud to offer access to top-level specialty care to address your ongoing condition and help guide you through illness maintenance and education. Through Renown Telehealth, Hometown Health members have access to a variety of specialties, including (but not limited to):  Adolescent Medicine Cardiology Hematology, Oncology and Pediatric Oncology Nephrology Pediatric Endocrinology Pediatric Neurology Pulmonary and Pediatric Pulmonary Sleep Medicine  New in recent years, Teladoc is now proud to offer both dermatology and nutrition visits. Teladoc dermatologists can treat conditions like acne, rosacea and rashes, while their registered dieticians can help you manage your nutrition and weight goals.  Booking an appointment with Renown Telehealth is easy by heading over to MyChart and selecting “Schedule an Appointment.” To book an appointment with a Teladoc provider, visit teladoc.com or download the Teladoc app.  Renown Telehealth is available within the state of Nevada, and Teladoc is available in all 50 states. Your copay can be as low as $0 for each visit; check your plan documents for more information.  Doctoroo  The house call has returned – avoid long urgent care waits with Doctoroo. Through Doctoroo, Hometown Health members have access to in-home urgent care services at the same price as your regular urgent care copay. A call to Doctoroo will dispatch a fully equipped medical team consisting of an EMT and either a nurse practitioner or physician assistant to your home within a few hours. Whether you need treatment or testing, each team is ready to provide care in the comfort of your own home with their over 60 medications and antibiotics, EKGs, wound dressings, IVs, catheters and more.  Doctoroo care teams can address and treat many non-emergent care areas and conditions, including (but not limited to): Respiratory Ear, Nose, Throat Eye Wound Care Cardiac Care Musculoskeletal Gastroenterology  Doctoroo is open year-round from 7 a.m. to midnight. Book a house call in minutes in the Doctoroo app or by calling (888) 888-9930.

Read More About 3 Unexpected Perks of Choosing a Hometown Health Plan

Over the past couple of years, pickleball has become the fastest-growing sport among people of all ages.  It’s a combination of tennis, ping-pong and badminton that originated in 1965. This sport can be played indoors or outdoors on a pickleball court where two players (singles) or four (doubles) hit a perforated hollow plastic ball over a 36-inch-high net using solid-faced paddles. A pickleball court is the same size as a double’s badminton court and measures 20×44 feet.  Pickleball is a fun, low-impact game that keeps people healthy and active. Kaitlyn Jacobson, Physician Assistant at Renown Urgent Care – Ryland, plays pickleball herself and is a big fan of the sport. Here she shares the top five health benefits of playing pickleball.

Read More About Top 5 Health Benefits of Pickleball

Your provider wants to send you to a specialist. Now what?  You are about to enter the referral process. A referral is your provider’s recommendation for you to see a specialist or receive specialized treatment. When it comes to referrals, the process can seem like the wild west for people not familiar with it. At Hometown Health and Senior Care Plus, we make the process simple for all our members. We know that access to specialists is a vital aspect of total health, and our goal is to break down those barriers to care at every level.   Here is a step-by-step guide to how the referral process with your Hometown Health or Senior Care Plus provider works:  1.   Your primary care provider (PCP) or urgent care provider will send a referral to the specialist’s office. A referral can also be sent from another specialist or after discharge from the hospital. This is usually done via email or fax.   2.   As your referral is sent, now would be the ideal time to discuss with your provider’s office how the specialist will receive your medical records prior to your appointment. Your provider’s office will most likely send these records to the specialist for you, but it is always a good idea to double-check with them directly.  At Renown, the referrals team will send the following items to your specialist’s office when available:  ID Insurance card Most recent and relevant office notes to support the referral The referral order Any relevant labs or imaging pertaining to the referral Demographics information  3.   The specialist’s office will call you to schedule the appointment after they receive the referral. Each office processes the referrals they receive in a slightly different time frame, so if you have any questions about the status of your referral, it is best to call their office directly. At Renown, if you are enrolled in MyChart, you can access the phone number for your specialist as soon as the team processes the referral. Those not enrolled MyChart will receive a letter in the mail with scheduling information.  4.   The specialist will start to develop a course of treatment. That may include procedures, diagnostic tests or medications. Some of these treatments may require prior authorization from your insurance plan, so don’t forget to discuss how and when your specialist will receive the authorizations before you begin your course of care to avoid any surprise bills.  What can I expect if I have a Renown specialist?  At Renown, we handle a lot of the behind-the-scenes nitty-gritty so you don’t have to. After the referral is placed, it routes to Renown’s centralized referrals team and triaged to make sure you are scheduled with one of our providers with the right specialization for your specialty care needs. This team will also obtain the prior authorization you need and will you to a specialist that is in your network and based on you and/or your provider’s preference and continuity of care. The referrals team will attempt to find you a Renown provider first if you are not yet established elsewhere.   For Hometown Health and Senior Care Plus members, prior authorization is not required for certain services if you are being referred to a Renown provider. This makes the scheduling process go quicker for both the provider and the patient.   Our referrals team strives to keep their turnaround time for referrals within three business days, not including prior authorization wait times. If your referral is marked as ‘urgent,’ it will be reviewed within one business day so you are seen as soon as possible based on the needs of your medical condition, and you will receive a direct phone call with scheduling information.   After prior authorization is obtained, the Renown scheduling team will call you through an automated phone system or via a message in MyChart with a direct link to schedule your appointment. To speak with a Renown scheduler or if you have any questions, please call 775-982-5000.  What does prior authorization mean?  Prior authorization isn’t as scary as it sounds! Essentially, prior authorization is your provider “going to bat” for you to receive this specialty level of care. Some medical services, including many specialists, are covered only if your ordering provider (usually your PCP) submits an authorization request to your insurance plan. They will include specific details about the type and duration of treatment they would like you to receive and any medical records that support your need for the specialist.  After your insurer receives the request, a licensed medical professional will review the request, your records and your plan benefits. They will decide whether the specialty treatment is considered medically necessary based on recognized standards of care.  Where can I go for more information?  Your referrals and authorizations can be viewed in MyChart. To view them, navigate to Your Menu in the upper left corner of the page, scroll to the Insurance section and click on “Referrals.”   The Renown referrals team is available to answer your questions and address any concerns. Give them a call at 775-982-2707 Monday through Friday from 8 a.m. to 5 p.m.  Any questions you may have related to referrals and authorizations, including outside-of-Renown providers, can be directed to our expert Hometown Health or Senior Care Plus customer engagement representatives.

Read More About How Referrals Work at Hometown Health and Senior Care Plus

When finding a provider to receive your health services, you've probably heard the terms "in-network" and "out-of-network" when it comes to your health plan. But what do these terms mean for a patient? And why should you be aware if a provider is out-of-network? What does it mean when a provider is "in-network" with a health plan? A provider is a person or facility that provides healthcare. When a provider is in-network it means there is a contractual agreement with that health plan regarding the rates for services. The provider will accept negotiated rates for services from the insurance. This means a patient will typically pay less for medical services received and is less likely to receive surprise bills. What does it mean when a provider is "out-of-network" with a health plan? Providers that are out-of-network are those that do not participate in that health plan's network. The provider is not contracted with the health insurance plan to accepted negotiated rates. This mean that patients will typically pay more or the full amount for the service they receive. Why should patients see in-network providers? Seeing an in-network provider for medical services can significantly reduce your medical expenses. Remember that in-network providers have a contractual agreement for negotiated rates with the health plan, so they cannot charge you more than that negotiated rate for a service. Seeing an in-network provider will always ensure any costs you do incur (copays or co-insurance) are applied to your health plan's deductible and out-of-pocket maximum (out-of-network costs don't apply to these amounts). To find the amounts you will pay for specific services, you can check your health insurance plan's Summary of Benefits. What is the best way to find which providers are in-network with a patient's health plan? Most health insurance companies offer multiple ways to find if a provider is in-network. To find the most accurate benefit information from your health plan, you can: Call their Customer Service department Check their website for their online provider directories If offered, check your online member portal.

Read More About Understanding "In-Network" and "Out-of-Network" Providers

Senior Care Plus was Nevada’s first Medicare Advantage Plan and is still providing healthcare coverage to qualifying members in Washoe, Carson City, Clark & Nye Counties. Senior Care Plus is administered by Hometown Health, the insurance division of Renown Health. That relationship means Senior Care Plus is the only Medicare Advantage Plan supported and accepted at Renown. This preferred access to Renown is a great benefit for northern Nevadans. When it comes to healthcare coverage, there are three key factors to keep in mind. Here’s why a Senior Care Plus Medicare Advantage Plan is your best choice. 1. Cost Cost matters when searching for the right insurance plan. Of the four Senior Care Plus plans available to residents of Washoe County and Carson City, three offer a zero-dollar monthly premium and all of them offer zero-dollar primary care office visits. That means no out-of-pocket costs for you. Additionally, all Senior Care Plus plans have an annual out-of-pocket maximum. This means when you reach this amount, that’s all you will pay. Senior Care Plus pays all other covered medical benefits for the rest of the year. That’s the beauty of a Senior Care Plus Medicare Advantage Plan. 2. Size of Provider Network and Accessibility Although saving money is important, it’s more important to be able to see a doctor when and where you need to. Senior Care Plus members enjoy the most comprehensive healthcare provider network in the region. Thousands of providers, including many hard-to-find specialists, are in the Senior Care Plus network. Since Senior Care Plus is part of the Renown Health family, you get priority access to all that Renown has to offer, which you won’t find with any other Medicare Advantage Plan. 3. Coverage Medical coverage needs are personal and unique to every member. Understanding a plan’s benefits is essential when picking the best coverage for you. Of course, the important benefits you associate with a healthcare plan are included in all Senior Care Plus plans: urgent care visits, specialists’ visits, lab services, imaging — all with reasonable copays. What sets Senior Care Plus apart from the rest are the additional benefits for preventive health. For example, Senior Care Plus offers plans with a comprehensive dental benefit with first-dollar coverage, meaning you pay nothing until the benefit limit is reached.  Senior Care Plus Medicare Advantage Plans also have a vision benefit allowing you to get a new pair of eyeglasses every year. In addition, these plans offer a fitness benefit, so you can join a local gym because Senior Care Plus wants to keep you healthy. Another interesting benefit is the over-the-counter benefit. If you choose the Renown Preferred Plan, you can select $50 worth of over-the-counter products such as: cold medicine, dental products, diabetic supplies, and digestive aides. Remember, that’s $50 worth of over-the-counter products four times per year. All on a plan that doesn’t cost a thing. Senior Care Plus Medicare Advantage Plans offer many added benefits tailored to Nevadans.

Read More About 3 Reasons to Choose a Senior Care Plus Health Plan