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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.

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Shining Brightly We all carry a light inside of us. Some people seem to have a constant glow while others flicker brightly here or there depending on what they’re doing or who they’re with. But for another select group, the light they embody is closer to a sunrise, illuminating and embracing everything and everyone it touches. Do you think that’s a bit heavy-handed or just a writer’s poetic exaggeration? Well, that’s because you haven’t met this issue’s featured Sterling Silver Club member, Tami, yet. But that’s about to change…  This Little Light of Mine  As an infant, Tami’s adoptive parents were drawn to her light, even though the couple had come to an orphanage in Washington state hoping to find an older child to add to their family.  “My parents always said that after seeing and holding me, they had to take me home,” Tami remembers and then smiles. “They also liked to tell the story of how they sold their prize baby bull, Johnny Apollo, to pay my adoption fees!”  Tami has fond memories of making mud pies and climbing trees as a child and feels privileged to have been raised by older parents.  “They both lived through the Great Depression and my dad proudly served in the U.S. Navy in World War ll,” says Tami. “I certainly attribute learning to love and give unconditionally through their humble ways. I had the honor of taking care of them both for about 10 years before their passing. When asked who my heroes are, though I have several, they are at the top of that list for sure.”  Today, Tami is married to her high school sweetheart, Richard. They’ve been together for 43 years and have five children – and 10 grandchildren – of their own.  Helping Others Through Darkness Tami started a highway construction business with her family in 2000, but focused 18 years of her career around her love of teaching, with seven years spent as Vice Principal of Academics at Reno Christian Academy. One of her greatest joys during that time was implementing Prime Time, a program that set aside special time for students who had experienced recent traumatic events. “I used puppets, sewing, crafts – any activity the students would respond to,” explains Tami. “But mostly, I listened.” And when one of her students shared, “I just want someone to listen to me for an hour today” – that’s what she did. “We sat on the sidewalk and ate Fudgsicles and giggled at the silliest things,” Tami recalls with some emotion. “And when we both left smiling, I was reminded that the most beautiful moments are when we are simply present with an open heart.”

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Winter is a season that is loved by many. It is the time of year when families get to enjoy outdoor activities such as snow and ice-skating and indoor activities such as cooking or playing board games with family. But because the temperature outside is a little more frightful, it can make us need to think a little more creatively about what activities the kids in our lives might enjoy. We have you covered, here are 10 ways to keep children entertained and enriched even when the weather is not sunny Reno, we all know and love. 1. Ice Skating Enjoy the family fun of gliding and twirling around at The Ice Rink at Grand Sierra Resort or check out Reno Ice. Both ice rinks offer public skating sessions for all ages. 2. Movies Watching movies has always been a great activity. Check your local listings to find a theater convenient to your location. 3. Snow Play The Winter is a time that many people use to take advantage of all the snow and ice our area has to offer. People enjoy snowball fights and rolling downhills. It is a great time for kids to have fun in the snow with their friends. 4. Scrap-Booking Being crafty is a great way for the whole family to have fun. Scrapbooking can be done with most of the supplies lying around the house. 5. Write Letters to Our Troops Operation Gratitude sends letters from civilians thanking troops, veterans, and first responders for their service. Recipients say these letters, notes, and drawings are the most cherished items they receive all year. Check out Operation Gratitude for a downloadable guide on how to write a letter to a service member. 6. Nevada Museum of Art Channel your inner Picasso and have fun exploring your artistic side in this monthly HandsONatHome, a family fun experience with different projects and ideas inspired by the collection. Plan your visit. 7. Homemade Activities Create homemade playdough using a handful of ingredients in your pantry. It takes about 10 minutes to make and is sure to get their creativeness flowing. Here is an easy recipe to follow. 8. Cooking Cooking can be fun, especially when you can involve the kids. Pick a recipe that is fun and easy to make and pull the kids in for some help in the kitchen. 9. Discover The Discovery Museum The museum has over 10 permanent exhibitions and a calendar full of activities that families can explore throughout the year. Let's Discover!  10. Who’s Got Talent? This is an activity with so many possibilities, and it's great for all ages, including grown-ups. If you are working, the kids might put together a show and perform for you later. Or the whole family could show off their talents to visiting guests. Click here for ideas.

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According to the Centers for Disease Control and Prevention (CDC), one out of four adults aged 65 or older, fall each year. But less than half of those who fall talk to their healthcare provider about it. What’s more, among older adults, falls are the leading cause of both fatal and nonfatal injuries. Senior Care Plus, a Medicare Advantage Plan by Hometown Health, and Renown Health Nurse Educator, Nicholas Mannering, worked together to provide a list with simple tips to help you prevent falls.  1. Exercise Exercise strengthens both your muscles and bones and improves balance which is a key factor to preventing falls. The stronger you are, the less likely you are to fall. And, if you do fall, you are less likely to be injured.   2. Vision Check Vision is an import part of fall prevention, have your eyes check by an eye doctor at least once a year. Update your vision prescription and replace your eyeglasses as needed.   3. Install Safety Equipment in Your Bathroom Installing grab bars in your home bathroom provides a way for you to help yourself in and out of challenging situations. It also provides support if you suddenly feel week or unstable. Having a grab bar to lean on or hold onto when you feel yourself falling or slipping can help prevent falls. Rubber mats eliminate slick surfaces that increase your risk of falling.   4. Helpful Items in Your Bedroom A light within reaching distance is an important item to have in your bedroom. One reason adults fall is because they wander through a dark room, often to get to the bathroom at night, and can’t see where they are walking. Having a light within reach that is quick and easy to turn on before walking around a room can make it safer and decrease your risk of falling. Having a bedroom that is organized and furnished in a way that is easy to navigate is also important. If your bedroom is cluttered and hard to walk around without tripping or running into things, it might be worth reorganizing the area to define a clear walking path.   5. Helpful Items in Your Living Room Similar to your bedroom, your living room should have a light that is easily accessible. Sofas with armrests are helpful for support when getting up and sitting down. Avoiding clutter in your walkways, rugs that are not secured down and unstable furniture are important to consider when preventing falls.   6. Actions to Avoid in Your Home There are other ways to fall besides slipping or tripping while walking. Never stand on chairs, boxes or other unstable items in your home. Walkways should be tidy and free of objects that you could trip on. Spills should be cleaned up right away to prevent slipping.   7. Wear Appropriate Footwear Wearing shoes with non-slip soles and closed toes can help prevent you from falling.  Having shoes that fit properly, are made from hard rubber (like tennis shoes) and provide good support help prevent tripping and falling. Shoes with a collar that support the ankle and a well-padded tongue for the top of your foot can also help prevent injury to your feet.   8. Review Your Health & Medications at your Annual Health Check-Up It is important to review your health and medications with your healthcare provider so they can assess if you are at risk for falls. You should discuss your vision, heart health and blood pressure at your annual health check-up. These things can play a role in the risk of falling. Reviewing your current medications is also important. If medications are making you dizzy, talk to your provider about adjusting the dosage so you can feel more stable and balanced. When talking to your doctor about medications be sure to include your vitamins and supplements. Finally, Have your healthcare provider check your feet and discuss proper footwear yearly.   9. Avoid Smoking and Alcohol Balance is important in preventing falls. Alcohol consumption negatively affects balance and increases your risk for falls and fractures. It also increases your risk for cancer, liver damage, osteoporosis, high blood pressure and strokes. Smoking is connected to frailty in older adults. It prevents the development of muscle tissue and breaks down healthy muscle tissue due to the lack of oxygen in your body.

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