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Located on the 5th floor of the Tahoe Tower, Renown’s newly updated Level III Neonatal Intensive Care Unit (NICU) is decorated with colorful artwork on the walls, the lights dim for the newborns resting, and parents conversing next to the bassinet with nurses on their baby’s journey to health. In the quiet, shuffling hallways stands Mariah DaSilva, a Renown NICU Nurse, whose own birth story showed her true compassion and professional dedication to what it means to care for the tiniest and most vulnerable patients. From the Medical Floor to the NICU Mariah started her nursing career on the medical floor at Renown; however, after a year, she was excited to see her dream job open in the NICU and helping to provide compassionate care for the most fragile patients. “I’ve always known that I wanted to work with babies so being a NICU nurse was a dream of mine,” said Mariah. “I truly love what I do, and I can’t imagine being anywhere else than the NICU.” A high-stakes environment, the NICU is where babies are transferred to after birth when they require medical intervention. They care for babies as young as 23 weeks gestation, up to full-term babies. Any babies born less than 35 weeks are automatically admitted into the NICU for treatment. Other than prematurity, babies can be admitted to the NICU for respiratory distress, low blood sugar (hypoglycemia), cardiac anomalies, birth defects, seizures and other medical conditions that need treatment or assessment. A Day in the NICU: The Heart of Care A typical day for Mariah starts with reviewing her assignments and receiving a detailed report from the night shift. Preparing for the day involves scrubbing in and wiping down patient care areas to maintain a clean environment. Once everything is set, she begins a series of scheduled care tasks, which include performing assessments, feeding, changing diapers and facilitating parent involvement in their baby’s care “There are so many exciting ‘firsts’ that happen in the NICU; parents holding their baby for the first time, parents' first time changing their baby’s diaper, bathing their baby for the first time, first time breast-feeding or bottle-feeding, the baby’s first time taking a full bottle, watching a baby breathe on their own without any respiratory support, etc.,” said Mariah. “There are so many big milestones that happen in the NICU that I am so incredibly lucky to be a part of.” The NICU nurses work closely with neonatologists, nurse practitioners, respiratory therapists, speech therapists, physical therapists, occupational therapists and other specialists to deliver comprehensive care. This teamwork and collaboration ensure that each baby receives the best care possible for their health journey. Mariah shared a reflection on her team: “Our NICU team is amazing. Being a part of a team that is so compassionate and collaborative is amazing. We all work closely together to ensure we’re providing the best care possible for every single baby that comes to the NICU. We are all very protective of the babies that we care for in the NICU and truly want the best outcomes for them and their families. Taking care of such a vulnerable population comes with a lot of responsibility and we take pride in what we do each day.” As with all healthcare professionals, NICU nurses require immense strength and compassion to care for the youngest patients in a highly sensitive environment. “More often than not, we have really good days in the NICU, but we also have really hard days that affect every single person in the NICU,” said Mariah. “The loss of a baby, delivering bad news to a parent, an extended NICU stay and a baby withdrawing from drugs are all situations that we unfortunately deal with in the NICU. These situations are all very challenging, but we have to stay strong for the babies and their families.”

Read More About From Renown NICU Nurse to NICU Mom: Mariah DaSilva’s Inspiring Journey

In the fast-paced world of healthcare, productivity is always a focus. Care teams need accurate and timely information to make decisions that directly impact our patients. However, without a reliable system to analyze and deliver complex data, noticing areas for improvement and making impactful changes can become overwhelming. This is where the power of data and analytics comes into play.  Renown Health’s Enterprise Data & Analytics (EDA) department are the leaders of this transformation. This team cares for the caregiver by delivering key data and insights with thorough analytics. Their data-driven approach ensures we are moving towards consistent progress and excellence in patient care, creating a better healthcare experience for everyone.  Dedicated Data Deliverers From patient volumes to quality-of-care metrics, our EDA department drives a lot of decisions that directly affect our patients and caregivers. A day-in-the-life as an EDA team member is where creativity meets science.  “Data is the lifeblood of the department and my role,” said Clayton Pettit, Senior Data Analyst. “Every day, I'm working with data – figuring out how to get certain pieces of data, visualizing it to provide users with clear insights and helping users of the data glean those insights and analyze the data.”  “We are builders of data tools, collaborating with team members and IT teams,” added Michelle Ebesu, Data Analyst. “We problem solve and design the most efficient way to deliver data. We work on large projects, small report requests and answer reporting related questions. We investigate and research daily.”  According to this team, every day brings a blend of exploration, engagement and discovery. Their role within our health system is central to turning data into useful ideas that drive meaningful change for all.  “A day on the Enterprise Data & Analytics team involves responding to diverse requests, some well-defined and others more open-ended, requiring exploratory collaboration with stakeholders,” said Kevin Crofton, Senior Data Analyst. “We harness the vast institutional knowledge within our organization to inform our analytics projects. This collaborative approach not only enhances our insights but also extends their impact across various groups within the organization.”  “Each day in EDA is fast paced,” added Ryan Fernandez, Manager of Data Analytics. “Our days are filled with a variety of different tasks ranging from data wrangling, building visualization to tell a meaningful story, responding to urgent business questions with analysis, training other team members on how to use analytical tools, and constantly learning more about the different clinical service lines and how to interpret their data.”  No two days are the same in EDA. In fact, every day brings a new challenge. And the best part? They’re never alone. This team thrives on working together, emulating Renown’s cultural commitment of Collaboration to a tee.  “Every day is different,” said Susan McDonald, Senior Data Analyst. “On larger projects we collaborate together, with each person taking a piece. We'll meet daily to gauge progress, exchange ideas and assist each other when needed. We'll sometimes have to troubleshoot issues that may come up with some reports. We often meet with our end users to get further details on their needs or to present their requested reports.”  “Up until the last couple of months, my day-to-day was creating, updating and fixing reports for all aspects of Hometown Health,” added Ryan Zinck, Data Analyst. “For the past two months we have begun the development of what will be an extensive reporting system in PowerBI that's intended to serve most groups within the company.”  Working with digital healthcare information that impacts how a health system operates and makes needed improvements can be complicated, since information is entered in various ways like calculations, statistics or measurements. Susan McDonald said it best: “It’s like solving puzzles every day.”   “We are Business Intelligence,” said Michele Warner, Data Analyst. “We answer questions the business proposes. We write queries and design reports/dashboards. We dig into the tables that store the data that is input by everyone at Renown through EPIC and other applications. We tell a story that will help the business be more efficient, make better decisions, solve a problem or report to government agencies.”  “We dive deeper into the front-end data and analyze it to get more detailed information and insights regarding the performance and certain project,” added Boqun Yin, Data Analyst. “Then, our colleagues working at the front line can utilize it when making strategic business decisions.”  EDA takes the definition of trendsetting to a whole new level. With the unique ability to predict future trends, this department can provide crucial information that helps care teams on the floor care for their patients to the best of their ability today, tomorrow and forever.  “I deliver data on all sorts of topics for Renown,” said Clayton Pettit. “With this data, I help Renown see where we are and where we need to improve. Beyond that, the data I provide can help us see how we can improve, what things we need to focus on and processes we need to change.”  “Our organization needs up to date robust data to ensure quality and integrity so that it’s reliable, secure and accurate,” added Uriel Duran, Data Engineer. “We also provide analytics and insights that can provide/predict patient outcomes and trends. For our patients, improving patient care is critical – and that can be done with data.”  Making Your Lives Easier As stated by Brian, Howell, Manager of Data Engineering, “we’re here to make everyone’s lives easier.” And Brian is exactly right – the EDA department’s work impacts the people who care for patients. Their data analysis and engineering skills help our care teams answer questions, give them information they can make decisions with and inform them statistically about well they are doing, along with showing opportunities for growth.  “EDA professionals like to think of themselves as the ‘wizard behind the curtain,’ a nuance from the ‘All Knowing’ Wizard of Oz; we are custodians of the company's data and we take that responsibility seriously,” said Dr. Justin Coran, Chief Analytics Officer. “When we partner with our clinical or administrative counterparts, we can help evolve decision-making from emotional to rational. The shift to rational decision-making allows the company to understand cause and effect of their business or clinical decisions.”   “I work directly with our customers on a daily basis to determine how our department can help them achieve their goals,” added Brian Howell. “I have been involved in data for over 20 years and love the technology, ever-changing landscape and challenges.”  The proof of their influence is in the numbers and the words they hear from our front-line care teams, from a significant financial impact to words of enthusiasm from providers. This reinforcement encourages the EDA team to continue going above and beyond.  “My goal is to make life easier for our clinicians and staff who do provide direct care,” said Helen Bahrke, Senior Data Analyst. “I feel accomplished if my work helps other staff reduce their time spent running reports or finding the data they need. Some providers have their own research questions they are studying in their patient population. Helping them get the data they need so they can provide better and more efficient care makes me happy.”  “Though we may not be the most visible department at Renown, the work we do and content we output drives decision making at the highest level,” added Sean Gollos, Data Analyst. “We make it easier for physicians to track patients, provide key employee data to the HR department and help ensure our organization is compliant with several requirements set by our industry.”  “I have seen my work bring in millions of dollars so that Renown can provide better care where it’s needed,” added Sean Richards, Senior Data Analyst.  Both patients and providers can lean on the EDA department for support in helping unravel data that may seem complex to the everyday eye, which has a direct impact on productivity and care quality.  “We take care of those who take care of patients,” said Mark Templeton, Manager of Data Analytics. “From descriptive analytics to measurements and dashboards, we provide a lot of support to those who manage patient care and productivity.”  “Our team provides critical datasets and insights into specific medical data that informs decision making stakeholders, which indirectly impacts patient quality of care,” added Sergio Pascutiu, Senior Data Engineer.  The impact of this team’s expertise can be felt beyond the hospital floor. Renown Health Leadership relies on the EDA to deliver data that affects important decisions at the top organizational level.  “A typical day for me revolves around data integration and extract, transfer, load (ETL) operations,” said Ken Vogel, Data Engineer. “The data and reporting that we provide to our end users and Renown leadership drive the decisions that impact the organization as a whole, which in turn impacts our patients.”  “Renown Leadership has business experience and training in order to navigate the challenges and opportunities that constantly present themselves,” added Michael Jesser, EDA Project Manager. “EDA helps them test their proposals with real data. This has been the meat and potatoes for our department if you've got a question about any process then we'll find the data that helps you form a reasonable answer.”   "We provide timely information to Renown leadership so that they may optimize our operational efficiencies that allow for improved patient outcomes,” added Todd Nicholas, Data Engineer.  This team thrives on challenges. Ryan Fernandez explains it beautifully: “I love challenges and learning new things, which is what happens almost every day being an analyst in healthcare, and that is what keeps me in this industry.”  Fighting the Good Fight for Today and Tomorrow Throughout the past year, the EDA department has been hard at work with many transformative projects that have improved several processes at Renown. What many may not know is just how large of a role these team members played in several of these endeavors, from a time-keeping platform upgrade for our employees to creating a one-stop-shop data warehouse.  As one can likely imagine, many of these projects are a large source of pride for this department, and deservedly so: “I am most proud of the Renown Regional Medical Center wall board conversion project, converting the patient lists that previously displayed to an Epic dashboard that displays data that is pertinent to the staff taking care of patients. The new wall boards provide at-a-glance information requested by nursing leadership.” - Michelle Ebesu “The last 12 months within EDA has been transformational. In May 2023, the data needed to run operations was scattered across 200 source systems and files, 20,000+ SQL tables and thousands of columns of data. Led by the vision of our executives, the team onboarded the technology (Microsoft Azure) and completed the development of a foundational Enterprise Data Warehouse (EDW) within 8 months, when the process usually takes 1.5-2 years. EDA produced Renown's first in-house developed risk stratification algorithm to optimize care for our Hometown Health members and produced a brand-new state-of-the-art reporting system for primary care.” - Dr. Justin Coran  “Our team contributed to the integration with the new UKG enterprise resource planning (ERP) system which comprises of a multi-tenant integration package that sources data from the UKG system.” - Sergio Pascutiu “I'm proud of the role our department has played in migrating from Kronos to UKG. It was a project that took over a year from planning to implementation, but our team had a key role that I think really opened people's eyes to how much they rely on the data that our team maintains.” - Sean Gollos Since this team’s work involves a large collaborative effort between the clinicians and themselves, according to them, the work that our care teams do generates “a gold mine” of health services data for them to dig through and answer crucial questions to create solutions, such as “What has happened in the past?” “What is currently happening?”  While figuring out the answers to those questions that will affect the future of healthcare at Renown, one solution often comes to the forefront: artificial intelligence.  “Under the direction of our new Chief Analytics Officer, the tool sets that EDA uses will expand into machine learning and artificial intelligence (AI),” said Michael Jesser. “We'll be answering questions about what is likely to happen or what data could influence an answer that we don't normally associate with the question. This is big – and getting bigger. EDA will put Renown at the forefront of this powerful future.”  “The new data science team that will onboard in 2025 will be able to utilize AI and machine learning (ML) applications that may impact patient care directly,” added Dr. Justin Coran. “EDA is looking forward to partnering alongside our clinicians and nurses to create the future in AI / ML healthcare products.”  Virtually everyone in the EDA department was excited about a career in high tech. To make matters even better, many of them had a passion for healthcare and the non-profit world.  “My healthcare experience led me to an understanding that there was a need for someone that understood healthcare workflows in the IT field, so I joined as an Epic analyst to help design those workflows and eventually found my way onto the EDA reporting team,” said Raffi Kilejian, Data Analyst. “The work-life balance, along with the fact that I work for a non-profit that gives back to the community are my main reasons for working for Renown.”  Other team members didn’t originally intend to use their technical talents in healthcare but are glad that they ended up taking the road to Renown. From the department’s strong culture to our health system’s impact on the community, this team consistently reports enjoying the work they do every day for Renown.  “I chose to work at Renown because of its stellar reputation as a leader in community-focused healthcare and the sense that individual contributions could genuinely drive change,” said Kevin Crofton. “Although I hadn't originally planned a career in healthcare, I've found a profound synergy in this department, where multiple disciplines converge to address diverse challenges. This welcoming and collaborative atmosphere has been key to our success. My transition into healthcare has been immensely rewarding, allowing me to apply my skills in ways that meaningfully impact our community's health and well-being.”  Finding “better ways to do things,” as the EDA team puts it, transcends the backend data. That philosophy also feeds into their departmental culture, always finding ways to bring each other together and uplift one another’s accomplishments and ambitions.  “I'm proud that we've been able to bring back some former valuable Renown employees,” added Brian Howell. “It is a testament to the culture at Renown that people recognize the meaningful work we do. I love working for a healthcare organization that makes a difference in people's lives."  “I was referred to Renown by a good friend during job hunting; since I started to work for Renown, I've seen the changes and effort that the EDA leadership has put into the development of the team,” added Boqun Yin. “I am glad to be part of this journey. That's why I choose to stay.”  “Renown also offers great benefits which I have taken advantage of, such as tuition reimbursement for my online MS in Analytics program I am currently enrolled in,” added Ryan Fernandez.  As proudly stated by Michelle Ebesu, “I believe in the values we have here at Renown.” And at the end of the day, this is what matters most to all who work in EDA.  “The opportunity to drive meaningful change and contribute to a mission that goes beyond profit—to truly focus on improving people’s lives—continues to inspire and keep me deeply committed to our cause,” closes Kevin Crofton.

Read More About Department Spotlight: Enterprise Data & Analytics

Want to protect yourself from skin damage from the sun’s harmful rays? Dr. Angela Walker, dermatologist with Renown Medical Group, shares what you can do to prevent skin cancer. What can people do to prevent skin cancer while enjoying the outdoors? There are several steps you can take to protect your skin from the sun. “I caution all of my patients to avoid the sun during the hours of 10 a.m. until 2 p.m. when UV rays are strongest. I also encourage people to wear sleeves on cooler days. And don’t forget that we still need to wear sunscreen on cloudy days! UV rays can still cause sun damage on cloudy days. Preventing skin cancer also entails wearing sunscreen of at least SPF 30 everyday.  Are hats also a good idea for skin protection? Yes, of course! Choose a wide-brim hat that shades the face as well as the back of the neck for extra protection against UV rays. When it comes to identifying skin cancer, what should people watch for? We use easy-to-remember letters when checking for spots on the skin; it’s called the ABCDEs: A - Asymmetry: One half of the mole or lesion doesn't match the other half. B - Border irregularity: The edges of the mole are irregular, blurred, or notched. C - Color variation: The mole has different shades of color or uneven color distribution. D - Diameter: The diameter of the mole is larger than the size of a pencil eraser (about 6 millimeters) or is increasing in size. E - Evolution: Any changes in the mole over time, such as size, shape, color, itching, bleeding, or crusting. These guidelines can help in identifying potentially suspicious skin lesions, but it's important to consult a dermatologist for proper evaluation and diagnosis. Early detection is crucial for successful treatment of skin cancer.

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Obstetrician-gynecologists (OBGYNs) see patients from menses (the monthly menstrual cycle that occurs as a part of the female reproductive system), pregnancy and childbirth through menopause and play a pivotal role in managing reproductive health and overall wellness. Dr. James Alexander with Renown Women's Health explains. "As experts in women's health, we are uniquely positioned to recognize subtle changes or symptoms that might indicate broader health issues. This comprehensive approach allows us to serve as a valuable first touchpoint for various health concerns." Preventive Screenings: A Proactive Approach One key aspect is an OBGYN's ability to recommend preventive screenings based on your symptoms, age, lifestyle and medical history. For instance, lipid screenings are critical for monitoring cholesterol levels, which can be a significant factor in women’s heart disease. An OBGYN keeps up with the current guidelines for routine screening as well as in women with risk factors such as high blood pressure, diabetes, or a family history of heart disease during your visit. By identifying risks and abnormal screening early, they can collaborate with you to implement lifestyle changes or treatments to reduce your risk of heart conditions. Schedule Your Screening Appointment Make an Appointment by Phone: 775-982-5000

Read More About The Expanded Role of OBGYNs in Women's Healthcare

While menstrual cycles can be an annoying inconvenience for many women, heavy bleeding (menorrhagia) is not normal and can disrupt your life. A few days of heavy flow at the start of your period is usually nothing to worry about. However, if you’re frequently experiencing very heavy periods, you should discuss it with your gynecologist or primary care provider.  Dr. Megan Fish, an OB-GYN with Renown Women’s Health, discusses various reasons, evaluation and treatment methods when it comes to heavy menstrual cycles.  What is classified as heavy menstrual bleeding?  The American College of Obstetricians and Gynecologists considers heavy bleeding to be any of the following signs: Bleeding that lasts more than 7 days. Bleeding that soaks through one or more tampons or pads every hour for several hours in a row. Needing to wear more than one pad at a time to control menstrual flow. Needing to change pads or tampons during the night. Menstrual flow with blood clots that are as big as a quarter or larger. What are the most common reasons for heavier periods?  A variety of reasons why someone might have heavy periods. Fortunately, most of these problems are treatable. Because each woman's period is unique, only a doctor can definitively determine the cause of your heavy periods. Some of the most common issues that cause heavy periods include: Hormone imbalances such as anovulation, thyroid disease and Polycystic Ovary Syndrome (PCOS). Structural abnormalities in your uterus such as polyps or fibroids.  Precancer and cancer such as uterine, cervical, vaginal, ovarian or endometrial hyperplasia.  Infections such as chlamydia, gonorrhea, endometritis or vaginitis. Other medical conditions such as liver disease, kidney disease or Pelvic Inflammatory Disease. Medications such as blood thinners and aspirin, hormone replacement therapy, Intrauterine devices (IUDs), birth control pills and injectables. Pregnancy-related problems such as a miscarriage or ectopic pregnancy.

Read More About Understanding the Reasons Behind Heavy Menstrual Cycles

Dr. Carilyn Hoffman with Renown's Women's Health explains the symptoms, causes and treatments of Polycystic Ovary Syndrome (PCOS) (also referred to as Polycystic Ovarian Disease (PCOD)), a prevalent condition among women of reproductive age that influences hormonal balance, metabolism and fertility. Make an appointment with Renown Women's Health Click here to schedule Call to schedule: 775-982-5000 PCOS Defined PCOS is a constellation of symptoms characterized by two of the three criteria: multiple small cysts on the ovaries visible via ultrasound, irregular periods and signs of hyperandrogenism. Other symptoms include infertility, insulin resistance, and increased risk of cardiovascular disease. Symptoms of PCOS The symptoms of PCOS can vary from woman to woman, but some of the most common include: Irregular menstrual cycles: This is often one of the first signs of PCOS. Women may experience fewer than nine periods a year, more than 35 days between periods, frequent spotting, and/or abnormally heavy periods. Excess androgen levels: High levels of male hormones may result in physical signs such as excess facial and body hair (hirsutism), severe acne and male-pattern baldness. Polycystic ovaries: Enlarged ovaries containing numerous small cysts can be detected via ultrasound.     Causes and Risk Factors The exact cause of PCOS is unknown, but several factors may play a role: Genetic predisposition: A family history of PCOS increases the risk. Insulin resistance: High insulin levels might increase androgen production, causing difficulty with ovulation. Obesity: Women with elevated BMI’s are more likely to have PCOS, although 20% of women with PCOS are not obese. Diagnosis and Treatment Dr. Hoffman outlines that diagnosing PCOS requires a medical history review, a physical exam, blood work and an ultrasound to evaluate the ovaries. Treatment options can range from lifestyle modifications, like diet and exercise and weight loss, to medications for menstrual regulation, fertility assistance, and rarely surgery. Lifestyle Changes A healthy lifestyle is a cornerstone of managing PCOS. Regular exercise, a nutritious diet, and weight management can help reduce symptoms and the risk of long-term health issues. In overweight patients, weight loss as little as 5% has been shown to improve symptoms of PCOS. Medication Medications may include hormonal contraceptives to regulate menstrual cycles, anti-androgens to reduce hair growth and acne, and Metformin to address insulin resistance. Fertility Treatment For women with PCOS who are trying to conceive, ovulation induction with clomiphene or letrozole is sometimes necessary. Sometimes a referral to a reproductive endocrinologist and infertility specialist is needed for more advanced technologies like IVF. Health Implications PCOS is not just about cystic ovaries or irregular periods; it can have profound implications on a woman's overall health. Women with PCOS are at an increased risk for several conditions, including type 2 diabetes, high blood pressure, heart disease, and endometrial cancer.

Read More About What is Polycystic Ovary Syndrome (PCOS)?

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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Every patient, regardless of how they may identify, greatly benefits from preventive healthcare and early detection. Members of the LGBTQIA+ community face unique considerations when it comes to their health, and a proactive approach to preventive screenings and vaccines is important in order to address their individual health needs.  Dr. Karen Thiele, Family Medicine Physician with University Health and Assistant Professor of Family and Community Medicine at the University of Nevada, Reno School of Medicine, breaks down key steps that LGBTQIA+ patients should take to safeguard their health.  PrEP and PEP  Pre-exposure prophylaxis (PrEP) is a strategy to prevent human immunodeficiency virus (HIV) infection. It is an important measure for those who are HIV-negative but may be at risk of contracting it. The highest risk sexual practice is receptive anal intercourse, due to the relative fragility of rectal tissue. This medication can stop HIV from spreading in the body and help patients maintain their HIV-negative status. PrEP is available in both pill form, which is taken every day, and injection form, of which the first two injections are initiated one month after another while all other injections are initiated every two months.  Post-exposure prophylaxis (PEP) is an antiretroviral drug regimen taken after potential HIV exposure to prevent an HIV-negative individual from converting to HIV-positive status. PEP is only for emergency situations and must be started within 72 hours of exposure – sooner is always better than later – and must be taken for 28 days.  PrEP and PEP are available in many ways, including visiting your primary care provider (PCP) or an urgent care location.   HPV Immunization  All genders and identities can protect themselves against human papillomavirus (HPV), a sexually transmitted infection (STI) that can lead to the risk of cervical, mouth, head, neck, throat, anal, vaginal, penile and vulvar cancers. HPV is so common that nearly all sexually active people, regardless of sexual orientation and practices, will be exposed at some point in their lifetime.  The HPV vaccine (common brands include Gardasil and Cervarix) is a safe and effective method to prevent HPV, according to the Centers for Disease Control and Prevention (CDC). This vaccine protects against infections that can lead to HPV-related cancers and precancers, as well as genital warts. While patients should start receiving the vaccine at 9 years old years old, unvaccinated adults up to the age of 45 can also receive the vaccine through their PCP – better late than never!

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According to the Global Sepsis Alliance, 1 in 5 deaths worldwide are associated with sepsis. If not recognized early and treated promptly, sepsis is the final common pathway to death from most infectious diseases worldwide, including viruses such as COVID-19. We spoke with Jeremy Gonda, MD, a critical care physician from Renown Health’s Sepsis Committee to increase public awareness of this preventable medical emergency. What is sepsis? Sepsis is a response to infection—bacterial, viral or fungal—and can start anywhere in the body and spread into the bloodstream. The body is trying so hard to fight an infection that it begins releasing chemicals into the bloodstream that cause inflammation and the shutdown of multiple organ systems. “It carries a very poor prognosis in general unless you catch and treat it very early,” said Dr. Gonda. “Any infection can lead to sepsis. Typically your immune system takes care of the infection. It doesn’t progress, but in cases where the infection becomes severe, or the immune system doesn’t function properly, people can certainly die. So there’s, unfortunately, a very high mortality rate associated with sepsis.” According to the Centers for Disease Control and Prevention, each year at least 1.7 million adults in America develop sepsis. While you can recover from sepsis if caught early, many sepsis survivors suffer from long-term physical and psychological effects. What are the signs of sepsis? One way to spot sepsis is to use the acronym SEPSIS: S – Slurred speech and confusion E – Extreme shivering or muscle pain/fever P – Passing no urine all day S – Severe breathlessness I – “I feel like I might die” S – Skin mottled or discolored Keep in mind that sepsis symptoms can vary depending on where the infection starts. “Patients may experience urinary burning if they have a urinary tract infection or a cough and shortness of breath if they have pneumonia first,” said Dr. Gonda. “However, often symptoms are more generalized or subtle such as fevers, confusion and malaise.” How do you develop sepsis? When germs enter your body, they can cause an infection. If you don’t stop that infection, it can cause sepsis. Areas of infection that more commonly result in sepsis include: Lungs, such as pneumonia Kidney, bladder and other parts of the urinary system Digestive system Bloodstream (bacteremia) Catheter sites Wounds or burns Who is most at risk? People with compromised immune systems are at greater risk for sepsis, such as “The very young, the elderly and any people who may have conditions that suppress your immune system,” said Dr. Gonda. “For instance, if you have diabetes or if you’re an organ transplant patient who is on immunosuppressant therapy, you’re at somewhat higher risk.” Sepsis is often considered a hospital-acquired infection, but a study in The Journal of American Medical Association found that 80% of sepsis cases occur outside of a hospital. That’s why it’s especially important to remember any infection can lead to sepsis, and anyone can develop sepsis from an infection. What do I do? Timing is critical in the case of sepsis and septic shock. According to a study on septic shock patients, there is a 7.6 percent decrease in survival for each hour treatment is delayed. On the other end, if treatment is given within an hour of the first drop in blood pressure, the survival rate is 80 percent. Because sepsis can be so deadly, it’s important to seek medical attention as soon as possible. “If you’re not getting any better, if you think symptoms are progressively worsening – you should definitely be evaluated by a doctor,” said Dr. Gonda. You can help #StopSepsis by getting involved at worldsepsisday.org.

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