Transcript 1-800-718-1299

CONSUMER
DRIVEN
OPTION
Presented by: Wendy Abraham
Facts About the
APWU
Fee-for-Service
Health Plan
Section 1, Page 8
2
General Features of the CDO
Section 1, Pages 8-9

Consumer choice

First dollar coverage for covered
preventive services at a PPO Provider

Personal Care Account (PCA)

Traditional Benefits

PPO Network
3
General Features of the CDO
Section 1, Pages 8-9
Consumer Driven Option PPO Network

Administered by UnitedHealthcare (UHC)
1-800-718-1299

UHC manages a large, nationwide network
of participating (PPO) providers
o
Pre-member website:
www.welcometouhc.com/apwu
o
Members can locate providers at:
www.myuhc.com
4
Pre-member Website
www.welcometouhc.com/apwu
5
Member Website
www.myuhc.com
6
How We Change in 2012
Section 2, Page 10

Alaska has been added as a Medically
Underserved area; South Carolina has
been deleted.

The Plan now offers additional coverage
for Pharmacogenomic Testing to optimize
prescription drug therapies for certain
conditions (see page 55).
7
How You Get Care
Section 3, Pages 11-12

ID Cards

Covered Providers
o

List of covered providers, facilities, medically
underserved states
Transitional Care
o
Under certain circumstances - 90 days of
transitional care at enhanced benefit if provider
leaves the network
8
How You Get Care - Precertification
Section 3, Page 13

Call UnitedHealthcare at 1-800-718-1299
o
Organ transplants
o
Potential cosmetic procedures
o
Surgery for morbid obesity
o
Durable Medical Equipment (DME)
o
Home Health Care: nursing visits, infusion therapy,
growth hormone therapy
9
How You Get Care - Precertification
Section 3, Pages 13-14

Call UnitedHealthcare at 1-800-718-1299

To precertify an inpatient hospital
admission
o
48 hours prior to a scheduled admission
o
Within 48 hours of an emergency admission
10
How You Get Care - Precertification

Failure to pre-certify timely may result in a
$500 penalty

Some cases require no precertification:
o Admissions to hospitals outside the U.S.
o When other group coverage is primary payor
o When Medicare A is primary payor

When Medicare A benefits exhaust, APWU
Health Plan becomes primary and
precertification is required for balance of
confinement
11
How You Get Care - Precertification
Section 3, Page 14


Call Medco 1-800-309-5528
o
Certain classes of medications requiring dosage
and quantity controls per the FDA
o
Medications deemed primarily cosmetic in
nature if needed for a legitimate medical
condition
Call ValueOptions 1-888-700-7965
o
In and outpatient treatment of mental health
and substance abuse
12
Your Cost for Covered
Services
Section 4, Pages 18-24
13
Your Cost for Covered Services
Section 4, Pages 16-21

Deductible – Bridge between PCA and
Traditional benefits ($600/$1200)

Coinsurance – Cost sharing percentage
payable by the patient

Difference between our allowable and
the bill

Amounts over benefit maximums
14
Your Cost for Covered Services
Section 4, Pages 20-21
Catastrophic Protection

In-network out-of-pocket maximum
o
o
o

Self Only = $3,000
Family = $4,500
10/15% Coinsurance accumulates to maximum
Out-of-network out-of-pocket maximum
o
o
o
Single or Family = $9,000
40% non-PPO Coinsurance accumulates to
maximum
10/15% PPO Coinsurance accumulates to
maximum
15
Ineligible Out-of-Pocket Expenses
Section 4, Page 21






Deductible amount
Amounts in excess of our allowable
Amounts in excess of a maximum
benefit
Prescription Drug coinsurance
Dental or vision expenses beyond
that covered by your PCA
Penalty for untimely precertification
16
CDHP Benefits
Section 5, Pages 62-94
17
Benefits
Section 5, Pages 62-63


Index for various benefits, conditions
Broken down by sections:
o
In-Network Preventive Care (5a)
o
Personal Care Account (PCA) (5b)
o
Traditional Health Coverage (5c)
o
Tools and Resources (5d)
o
Special Features (5e)
18
Benefits
Section 5, Pages 64

CDHP Overview
o
Explains concept of a CDO
o
Contact phone and Website information
o
Lists and provides high-level explanation of
the various levels of benefits
o
Supplies reference to more detailed
information
19
In-Network Preventive Care
Section 5(a), Pages 65-66

When using in-network, participating
providers:
o
Covered routine preventive care for adults and
children is paid at 100%
o
Periodic routine exams, lab, testing,
immunizations
•
•
•
No reduction to your PCA
No deductible
No co-insurance
20
Benefits, In-Network Preventive Care
Section 5(a), Pages 65-66
Adult Care
One annual visit and exam
 Adult immunizations recommended by the CDC
 Routine screenings

Total Blood Cholesterol
Routine Pap
Lipoprotein Profile
Colorectal Cancer Screenings
Osteoporosis screening
Prostate Cancer Screenings
Chlamydia Screening
Aortic Aneurysm Screening
Routine Mammography
21
Benefits, In-Network Preventive Care
Section 5(a), Pages 66
Care for Children





First year of life: Six visits/exams
Age 1 - 2: Three visits/exams
Ages 2 - 18: Annual visit/exam
Childhood immunizations recommended by
the American Academy of Pediatrics
Routine Screenings
Retinopathy of Prematurity
Vision and Hearing Screenings
Lead Level Testing
Pap/Routine Pelvic Exam (Age 18)
22
Personal Care Account
Section 5(b), Pages 67-69

APWU funds your PCA each year
o
o

PCA is used to reimburse first dollars incurred
o

Single Enrollment: $1,200
Family Enrollment: $2,400
Coverage for PPO and non-PPO providers
A portion of PCA dollars can be used for
services not otherwise covered by the CDHP
(“Extra PCA Expenses”)
o
o
Single Enrollment: $400
Family Enrollment: $800
23
PCA
Section 5(b), Pages 67-69

Basic PCA Expenses
o
Medical, surgical, emergency, mental
health/substance abuse, prescription drugs,
DME, treatment therapies, etc.
o
Expenses for services covered under
Traditional Health Coverage
24
PCA
Section 5(b), Pages 67-69

Extra PCA Expenses
o
Vision/Dental (vision exam, glasses, contacts,
dental treatment) – you pay upfront and
submit to UHC for reimbursement.
• Limited to maximum PCA expenditure


Self only $400
Family $800
o
Non-covered, in-network preventive care
o
Covered preventive care furnished by a
non-network provider
25
PCA
Section 5(b), Pages 67-69

PCA dollars not used during the current
calendar year…
o
are rolled over and added to the following
year’s PCA to a maximum PCA balance of:
•
•
•
o
Single Enrollment: $5,000
Family Enrollment: $10,000
Maximum PCA Account balance can never
exceed these $ limits
reduce the following year’s deductible by
an equal amount
26
PCA
Section 5(b), Pages 67-69
To maximize your PCA dollars:
 Use
In-network providers
 Opt
for generic prescriptions when
possible
 Delay
submission of some Extra PCA
Expenses until the end of the year
27
PCA
Section 5(b), Pages 67-69

Dental expenses:
o
You will need to pay the bill to the provider
and submit a claim for reimbursement.
28
PCA
Section 5(b), Pages 67-69

PCA cannot be used for:
o
Orthodontic or Cosmetic Dentistry
o
Out-of-network non-covered preventive care
o
Any service not listed as covered under
Traditional Health Coverage
29
Traditional Health Coverage
Section 5(c), Pages 70-92


Comes into play once the PCA is
depleted
Members then become responsible for:
o
Deductible:
•
•
o
Single Enrollment: $600
Family Enrollment: $1,200
Coinsurance:
•
•
•
•
10%
15%
40%
25%
In-Network Centers of Excellence
In-Network providers
Out-of-Network providers
Network Pharmacy
30
Traditional Health Coverage
Section 5(c), Pages 70-92

Carry-over PCA reduces current year
deductible
o
o
o
Brochure states Traditional Coverage for a single
enrollee will begin after ‘…eligible expenses
total $1,800...’
$1,800 is usually made up of one’s $1,200 PCA
plus the deductible of $600
If PCA dollars carry over from a prior year, the
current year deductible is reduced by that
amount.
31
Traditional Health Coverage
Section 5(c), Pages 70-92

$250 PCA carryover = lower deductible
Self Only
Self and Family
Total deductible = Basic PCA
+ member responsibility
$1,800
$3,600
Basic PCA Current Year………
Carry-over PCA Prior Year……
$1,200
+ 250
$1,450
$2,400
+ 250
$2,650
$350
$950
Difference = Current Year
Adjusted Deductible…………
32
Medical Services
by Physicians
and Other
Professionals
Section 5(c), Pages 71-78
Diagnostic and Treatment Services
Section 5(c), Page 71

Professional services of physicians
performed:
o In a physician’s office
o At home, nursing home or SNF
o In an outpatient setting
o During an inpatient confinement
34
Lab, X-ray and Other Diagnostic Tests
Section 5(c), Page 72






Blood tests, urinalysis
X-rays
Non-routine mammogram, pap test
CT, MRI, PET
EKG, EEG
Pharmacogenomic testing to optimize
Plavix, Tamoxifen and Warfarin therapy
35
Maternity Care
Section 5(c), Page 72

Pre and post-natal care, delivery
o No need to pre-certify normal deliveries

Nursery charges covered while mother
confined
o Other charges, including circumcision will be
expenses of the child and considered only if
child covered under a family enrollment
36
Family Planning
Section 5(c), Page 73

Covered Family Planning Services
o Contraceptives
o Oral Contraceptives covered as Pharmacy
o Voluntary sterilization

Not covered
o
Reversal of sterilization or genetic counseling
37
Infertility Services
Section 5(c), Page 73

Diagnosis and treatment of infertility
o
o
o

Testing to diagnose cause of infertility
Treatment to remedy cause
$2500 limit
Non-covered Services
o
o
Treatment after voluntary sterilization
Assisted Reproductive Procedures and/or cost
of donor contribution
38
Treatment Therapies
Section 5(c), Page 74





*
Chemotherapy and Radiation Therapy
Dialysis
IV Infusion Therapy – Home IV and
Antibiotic Therapy*
Growth Hormone Therapy*
Respiratory and Inhalation Therapy
Therapies require Pre-notification; Drugs used for GHT
covered under Prescription Drug Benefit
39
Physical, Occupational, Speech
Therapies
Section 5(c), Pages 74
No longer require Pre-notification
 Therapy to restore a bodily function
 Licensed, registered therapist
 60 visit combined annual maximum
 Not covered
o
o
Maintenance therapy
Exercise programs
40
Hearing and Vision Services
Section 5(c), Page 75



One exam and testing every 2 years for
hearing aid
Internal ocular lenses and/or 1st contact
lenses to correct impairment caused by
an accident or illness
Not covered:
o
o
o
Eyeglasses, contacts (except under extra PCA)
Eye exercises and visual training
Refractive surgery
41
Foot Care
Section 5(c), Page 75

Routine foot care
o

Must be under active treatment of a metabolic
or peripheral vascular disease
Not covered
o
Cutting, trimming, removal corns or calluses
except where disease present
o
Treatment of flat feet
o
Non-surgical treatment of bunions or spurs
42
Orthopedic and Prosthetic
Devices
Section 5(c), Page 76

Covered devices include:
o Artificial limbs and eyes; stump hose
o
o
o
o
External and internal breast prostheses; surgical
bras following a mastectomy
Leg, arm, neck, joint and back braces
Internal prosthetics: artificial joints,
pacemakers, cochlear implants
Hearing aids every 3 years; maximum payout of
$1,500
Pre-notification recommended
43
Orthopedic and Prosthetic
Devices
Section 5(c), Page 76

Non-covered orthopedic devices include:
o
o
o
o
o
o
Orthopedic shoes
Arch supports
Foot orthotics
Heel pads and heel cups
Lumbosacral supports
Corsets, trusses, elastic stockings, support hose
44
Durable Medical Equipment
Section 5(c), Pages 76-77

Must be prescribed by a physician

Deemed medically necessary

Serve a specific therapeutic purpose

Standard equipment

Requires pre-notification:
1-800-718-1299
45
Durable Medical Equipment
Section 5(c), Pages 76-77

Covered items include:
o
Oxygen
o
Dialysis Equipment
o
Hospital Bed
o
Wheelchair
o
Ostomy supplies
o
Walkers and/or Crutches
46
Durable Medical Equipment
Section 5(c), Pages 76-77

Non-covered items include:
Whirlpools
Heating Pads
Heat Lamps
Air Purifiers
Light Boxes
Communication Aids
Elevators or Stair Glides Exercise Equipment
47
Home Health Services
Section 5(c), Page 77


Skilled Nursing Care (RN, LPN, LVN)
o
25 visits per calendar year
o
Maximum of $90 per day
o
Pre-authorization required 1-800-718-1299
Non-Covered
o
Care for convenience of patient or family
o
Care that is not primarily medical in nature
o
Services of home health aides
48
Chiropractic and Alternative
Treatments
Section 5(c), Page 78


Chiropractic
o
Treatments/manipulations limited to 12 per
calendar year
o
X-rays covered under diagnostics
o
Massage therapy not covered
Acupuncture
o
Covered if performed by an MD or DO
49
Educational Classes/Programs
Section 5(c), Page 78
UHC Smoking Cessation Program




Contact UHC at 1-800-718-1299
2 quit-attempts per year/4 counseling
sessions per attempt
$0 out-of-pocket expense using PPO
providers
No benefits for non-PPO treatment
50
Educational Classes/Programs
Section 5(c), Page 78
UHC Smoking Cessation Program



$0 Mail order Rx drugs approved by the
FDA for the treatment of tobacco
dependence
$0 for OTC items such as nicotine gum or
patch obtained through the UHC program
No benefits available if using non-PPO
providers
51
Surgical
and
Anesthesia Services
Section 5(c), Pages 79-84
Surgical Procedures
Section 5(c), Pages 78-79

Operative procedures including pre and
post-operative care

Treatment of fractures/casting

Correction of amblyopia and strabismus

Endoscopy and biopsy procedures

Electroconvulsive therapy

Correction of congenital anomalies
53
Surgical Procedures
Section 5(c), Pages 79




Surgical treatment of morbid obesity*
Voluntary sterilization/implantation of
contraceptives
Treatment of burns
Assistant surgeons
o
Covered up to 20% of surgeon’s allowance when
medically necessary
*Requires pre-notification
54
Surgical Procedures
Section 5(c), Pages 79

Non-covered procedures
o
Cosmetic procedures
o
Sterilization reversal
o
Services of a stand-by surgeon except during
angioplasty
o
Radial keratotomy
55
Reconstructive Surgery
Section 5(c), Pages 79-80

Congenital Anomalies
o
o
o
o

Protruding ears
Cleft lip or palate
Birth mark
Webbed fingers/toes
Breast reconstruction following
mastectomy
o
o
Create symmetry
Breast prosthesis
56
Oral Surgery
Section 5(c), Pages 80-81

Coverage includes
o
Reduction of fractures and other traumatic
wounds
o
Extraction of impacted, unerupted teeth
o
Excision of cysts, tumors, lesions
o
Surgical treatment of TMJ
*
Call UHC ahead of time to inquire if a
particular procedure is covered
57
Oral Surgery
Section 5(c), Pages 80-81

Not covered
o
Oral implants/transplants
o
Procedures involving teeth and supporting
structures
o
Dental bridges, replacement of natural teeth
o
Non-surgical treatment of TMJ dysfunction
o
Treatment of periodontal disease
o
Orthodontic treatment
58
Organ/Tissue Transplants
Section 5(c), Pages 81-84

All procedures subject to medical
necessity and experimental/
investigational review

Contact UHC before initial evaluation and
speak to a Transplant Case Manager

If a Plan-designated transplant facility
chosen, travel and lodging costs may be
pre-approved
59
Organ/Tissue Transplants
Section 5(c), Pages 81-84

Treatment in a Transplant Center of
Excellence (COE)
o

Treatment by a UHC Preferred Provider
o

Patient pays 10% of Plan allowance
Patient pays 15% of Plan allowance
Treatment by an out-of-network provider
o
o
Patient pays 40% of Plan allowance
Subject to $100,000 maximum payout
60
Hospital, Other Facility
and Ambulance
Services
Section 5(c), Pages 84-89
61
Inpatient Hospital
Section 5(c), Page 84-85


Room and Board
Ancillary/Other Hospital Charges
o
Operating/Recovery Rooms
o
Supplies and Drugs
o
Diagnostic Tests
o
Blood, Dressings, Anesthetics
62
Inpatient Hospital
Section 5(c), Page 84-85

Non-covered Facility Care
o
Care in a Nursing Home
o
Care in a Skilled Nursing Facility (SNF)
o
Inpatient care deemed not medically
necessary
63
Inpatient Hospital
Section 5(c), Page 84-85

Cancer Centers of Excellence
o

Contact UHC to enroll prior to initial treatment
for referral
Treatment in a Cancer COE
o
o
o
o
UCH must notify COE/Designated Provider
Patient pays 10% of Plan allowance
May receive pre-approval for travel and lodging
expenses
Includes in and outpatient services at
Designated Facilities
64
Outpatient Hospital or
Ambulatory Care Facility
Section 5(c), Page 85-86

Operating, recovery, treatment rooms

Pharmacy items and medical supplies

Diagnostic testing

Blood and its administration

Pre-surgical testing

Anesthetics
65
Hospice Care
Section 5(c), Page 86

Outpatient Care
o

Inpatient Care
o

Maximum payout $3,000
Maximum payout $2,000
Bereavement Benefit
o
$200 annual payout per family unit
66
Ambulance
Section 5(c), Pages 86

Local, professional ambulance service
o
o
o

Medically appropriate
Before or after an inpatient admission
Used within 24 hours of accident or medical
emergency
Air ambulance
o
o
Medically necessary for transport to closest
facility
Within 24 hours of accidental injury
67
Accidental Injury or
Medical Emergency
Section 5(c), Pages 86-87
In-Network and Out-of-Network providers:
 Member pays 15% of allowable
o
o
o
o
Physician and related outpatient hospital services
within 24 hours
Physician services rendered after 24 hours
(accidental injury only)
Outpatient services, Urgent Care or other facility
for treatment of a medical emergency
Related ambulance charge(s)
68
Mental Health and Substance Abuse
Section 5(c), Pages 87-89
Inpatient and outpatient treatment
requires preauthorization by:
ValueOptions 1-888-700-7965
 Treatment Plan will be reviewed for
clinically-appropriate services
 Covered services can include:

Individual or group therapy
o Medication management
o Diagnostic tests
o In or outpatient care or combination
o
69
Mental Health and Substance Abuse
Section 5(c), Pages 87-89

Inpatient stays not precertified are
subject to a $500 penalty

Provider directories not available;
referral to network providers by
ValueOptions
70
Prescription Drug
Benefit
Pages 89-92
71
Covered Medication/Supplies
Section 5(c), Pages 89-90
Administered by Medco Health

Covered Items
o
RX drugs, diabetes supplies, Insulin
72
Covered Medication/Supplies
Section 5(c), Pages 89-90

Patient Responsibility
o
o

Network Retail: 25% co-insurance; minimum
$10, maximum out-of-pocket $200 for each
30-day supply
Network Mail Order: 25% co-insurance;
minimum $15, maximum out-of-pocket $200
for each 30-day supply
No coverage for prescriptions
purchased out-of-network
73
Covered Medication/Supplies
Section 5(c), Page 90-91

Personalized Medicine – voluntary program

Cheek swab test initiated and administered
by Medco w/results to physician

Provides physician with needed information
to monitor and properly dose certain drug
therapies
o
o
o
Tamoxifen for breast cancer
Warfarin (anticoagulant)
Plavix (anti-platelet) NEW!!!
74
Coverage Authorization
Section 5(c), Pages 91-92

Prior approval needed for some medications
Examples: Growth Hormone, Botox,
Rheumatoid Arthritis agents


Medco will work w/physician to obtain
information needed to give approval (based
on FDA guidelines)
If not approved, patient may opt to fill
prescription and will assume responsibility
for its full cost
75
Coverage Authorization
Section 5(c), Pages 91-92

Specialty Drugs
o
o
o
o
o
Cost ranges from $500 per dose or $6000 or
more per year
Complex treatment, care
Safety monitoring
Special requirements for shipping, handling
Disease Categories Include:
• Cancer, cystic fibrosis, immune deficiency,
Hepatitis C
o
Visit www.medco.com or call 1-800-309-5538
76
Health Tools, Resources
Section 5(d), Page 93-94

Online tools and resources available at
www.myuhc.com
o
PCA balance
o
Claims payment history
o
Health encyclopedia w/interactive services
o
Health risk assessment
o
Personal Health Record
77
Health Tools, Resources
Section 5(d), Page 93

Consumer choice information available
at www.myuhc.com or 1-800-718-1299
o
Online provider directory
o
Network provider discount pricing information
o
RX Pricing
o
Surgical/Diagnostic cost information
o
Provider quality information
o
Health Calculators (weight, BMI, heart rate,
waist size, burned calories)
78
Health Tools, Resources
Section 5(d), Page 93

Care Support
o
24-hour nurse advisory service
• 1-800-718-1299
• Discuss medical concerns, self-care issues
• Health coaching with a registered nurse
o
Identification and notification of potential
patient safety issues
o
Support by health professional for numerous
medical conditions
o
Cancer Support Program
79
Health Tools, Resources
Section 5(d), Page 93-94

Diabetes Management Program
o
Purpose: To engage the patient and encourage
them to become an active participant in the
management of their condition.
•
•
Team consists of patient, Health Coach at UHC,
physician and APWU Health Plan
Active participation in Program allows APWU
Health Plan to waive some out-of-pocket
expenses
80
Health Tools, Resources
Section 5(d), Page 93-94

Diabetes Management Program
o
Patient Responsibilities
• APWU Health Plan Primary members enroll in
Program by calling UHC at 1-800-718-1299
• Participate as required by Program
• Receive in-network care
* Members whose APWU Health Plan is secondary do
not have to enroll or participate to receive incentives
81
Health Tools, Resources
Section 5(d), Pages 93-94

Diabetes Management Program
Participation
o
Regular contact with your Health Coach
o
Take medication as prescribed
o
Visit physician as necessary for your condition
o
Monitor your blood sugar
o
Lab work appropriate to monitor diabetes
o
Obtain care as directed by your Health Coach or
physician
82
Health Tools, Resources
Section 5(d), Pages 93-94

Diabetes Management Program Incentives
o
o
o
Waive PCA reduction, deductible and/or coinsurance on visits and lab related to Diabetes
Management
Waive 25% co-insurance on generic drugs, insulin,
testing strips, lancets, pen needles, syringes and
Insulin Pump supplies, obtained from Medco by
Mail for control of blood sugar
Insulin Pump – Pre-authorized and subsequently
obtained in-network
83
Health Tools, Resources
Section 5(d), Page 94

Online Health Management Programs
o
Healthy Pregnancy Program
o
Healthy Back Program
o
Cancer Support Program
o
Source4Women
Receive extra care and support:
www.myuhc.com
84
Special Features
Section 5(e), Page 95

Flexible Benefits Option
o
Plan recommends a viable, less costly alternative
to traditional care
o
Savings to patient and Plan with no sacrifice in
quality of care
o
Offered on a per-case basis
o
Member/patient must agree in writing to the
‘alternate’ benefit before it can be administered
85
Filing a Claim
Section 7, Page 100

Fully completed claims should be mailed to:
UnitedHealthcare
P.O. Box 740810
Atlanta, GA 30374-0810

Obtain itemization of charges from provider

Should contain all appropriate medical/dental coding

Cancelled checks, balance due statements and cash register
receipts not acceptable

Blank claim forms available for download from
www.myuhc.com

Filing deadline December 31 of the year following that in
which services were rendered
86
Filing a Claim
Section 7, Page 100
87
Coordinating Benefits with
Other Coverage
Section 9, Page 104-107

Medicare
o
o
o
o
Medicare A – Hospital insurance, usually
inpatient; no premium
Medicare B – Medical insurance; monthly
premium
Medicare C (Medicare Advantage) – Alternative
to traditional A&B coverage; monthly premium
Medicare D – Prescription Drug Coverage;
monthly premium
88
Coordinating Benefits with
Other Coverage
Section 9, Page 109

When you are enrolled in FEDVIP
o
Coverage available through FEHB remains primary
o
FEDVIP pays secondary
o
Provide FEHB information when enrolling in
FEDVIP via www.benefeds.com
89
Definitions
Section 10, Pages 110-113

Terms used in Brochure defined in
more detail

Provides better understanding of
subjective terminology

Separate list of definitions exclusive
to the CDO
90
Summary of Benefits
Pages 124-125

High level summary of CDO benefits

‘You Pay’ amounts

Indentifies items subject to deductible
under Traditional Health Coverage

Reference to Brochure pages to read
detailed information
91
Benefits at a Glance - CDO
92
Benefits at a Glance - CDO
93
Benefits at a Glance - CDO
94
Benefits at a Glance - CDO
95
Benefits at a Glance - CDO
96
Index
Pages 126-127

Alphabetical list of Brochure topics

Page numbers shown for information
about the CDO or High Option (HO)

Many topics are applicable as written
to both options
97
2012
RATES
98
Thank You!
Please fill out your class evaluation form and
place it in the drop box in the classroom.
Please note any questions for the HPR Roundtable
discussion on the card provided and place in the
drop box at the Registration Desk.
The Roundtable discussion will be during Closing
Session on:
Saturday, October 15, 2011
99