Podcasts about qmb

Ganze 88 Mal taucht das Wort Kunde im Text der ISO 9001:2015 auf. Kein Wunder, denn Qualität ist im Kontext der Norm gleichbedeutend mit der Erfüllung von Kundenanforderungen. Dennoch wird die Kundenzufriedenheit häufig vernachlässigt oder zu oberflächlich betrachtet. In der aktuellen Podcast-Episode der QM-Impulse spreche ich mit Jan Jörgensmann (QMB, Zertifizierungsauditor und ISO-Nerd) über die Herausforderungen rund um das Thema Kundenzufriedenheit. Dabei analysieren wir den Prozess und beleuchten praxisnahe Lösungsansätze. Vernetze Dich gerne mit Jan und mir auf LinkedIn:

Am 23.02.2024 wurde eine Änderung am Annex SL (besser bekannt als High-Level-Structure oder HLS) von der ISO veröffentlicht. In dieser Episode spreche ich mit dem QMB und Zertifizierungsauditor Jan Jörgensmann über mögliche Auswirkungen auf die kommende Revision der ISO 9001:2025 und weiterer Managementsystemnormen. Vernetze Dich mit Jan und mir auf LinkedIn: ✋Jan Jörgensmann |

Mit Maßnahmen ist es manchmal so wie mit guten Vorsätzen. Es bleibt bei der positiven Absicht und positive Effekte verhungern oftmals auf halber Strecke. Da wir es in Managementsystemen immer wieder mit Maßnahmen zu tun haben, spreche ich mit dem QMB, Zertifizierungsauditor und ISO-Nerd Jan Jörgensmann über Herausforderungen und Lösungsansätze. Vernetze Dich gerne mit Jan und mir auf LinkedIn:

In der QM-Podcast-Episode 65 spreche ich mit dem QMB und Zertifizierungsauditor Jan Jörgensmann über interne Audits. ·         Was wollen wir mit Audits erreichen? ·         Was ist die beste Auditmethode? ·         Was sind häufige Missverständnisse? ·         Können Workshops Audits sein? Viel Spaß beim Hören dieser Episode.   Nimm gerne über LinkedIn Kontakt zu uns auf:

Billy Derrick + Will Byrum + Trevor Hulan discuss Gordon Sargent's Master's debut, Saturday's Black & Gold Spring game, the AJ Swann to Will Sheppard connection, QMB sadly enters the transfer portal, Malik Dia lands at Belmont, Jordan Wright lands at LSU, the VandyBoys' hot streak, this weekend's series vs. Mizzou, and much more. --- Support this podcast: https://podcasters.spotify.com/pod/show/thedorereport/support

In this hour, Donna and Vlad talk about the Dolphins who are going into this off-season with questions about their QB Tua Tagovailoa. The QMB market is going up and up and are the Fins going to give Tua the bag? Can you give Tua nearly a quarter of a billion dollars for the next 5 years. The Miami Heat head into the 2nd half of the season with a little "love" as Kevin Love has decided to sign with the Heat after being brought out of his contract by the Cleveland Cavaliers. The #15 ranked Miami Hurricanes men's basketball team are on a 5 game winning streak with a chance to win the ACC regular season title with 3 games left to play but why is Coach L team not getting the national respect ?

As one of seventeen children growing up in Mississippi, Quintavius “Q” Burdette learned at an early age that nothing was going to be handed to him. He achieved his goals of attending college and playing football for a division one team through sheer will power and a work ethic that wouldn't quit. When other kids from his community went to parties, Q was on the field honing his skills. In college, he stood out to coaches and professors because he prioritized his education over football. During this time, he shifted his perspective. Everything he thought he wanted in a football career actually wasn't the path for him. So his plan B because plan A. After graduating with an accounting degree, the first in his family to ever do so, he set his eyes on his future goals. Quintavius worked at one of the country's top accounting firms before setting his sights on real estate. His choice to change careers brought out the naysayers who doubted that his dreams of being a top performer in real estate would ever come true. But Q's mindset and determination sets him apart from others in his field. He chooses a mindset that uses challenges in the market as fuel for revising his strategy. His adaptive approach to anything life throws his way is one reason why he sold a record-breaking number of houses in his first year as an agent. He embodies the message that we can't always control what happens around us, but we can control our mindset. Now a staple in his community, Q serves as a role model for children who want to build a better life for themselves despite the difficulties of their environment. Main Topics Quintavius' family life as a child and how he developed his unwavering work ethic (02:20) Q achieved his dreams of playing college football despite odds stacked against him (05:32) Q's example of breaking through walls inspires kids who look up to him (07:53) Q shifts his perspective to prioritize education over football (11:10) Transitioning from accounting to real estate (14:16) Q's inspiration for succeeding in the real estate market and other areas of business (17:45)  Connect with Q:https://www.instagram.com/quintaviusburdette/https://www.facebook.com/quintavius.burdette.3https://twitter.com/QMB_4https://www.linkedin.com/in/quintavius-burdette-a82158181/Connect with Adam:https://www.startwithawin.com/https://www.facebook.com/AdamContosCEOhttps://twitter.com/AdamContosCEOhttps://www.instagram.com/adamcontosceo/Listen, rate, and subscribe!Apple PodcastsSpotifyGoogle PodcastsToday's episode was brought to you by RE/MAX, nobody in the world sells more real estate than RE/MAX. For more information head over to www.REMAX.com

Wo finde ich die aktuelle Version meines Handbuches? Wo starte ich mit meinem Blätterhaufen und was ist am wichtigsten? Wer ist für alles zuständig und lasse ich diejenige damit alleine? Was ist, wenn eine Begehung ansteht? In der heutigen Folge widmen wir uns einen der wichtigsten Themen einer Zahnarztpraxis: Qualitätsmanagement. Für alle ein Muss und für viele eine große Herausforderung. Den Schritt zur Digitalisierung zu wagen scheint noch zu ungewiss und unsicher. Aber welche Folgen kann QM in Papierform mit sich bringen und welche Chancen digitales QM dir bieten, erzählt dir Andrea Knauber, QMB und Praxismanagerin. Mit Leidenschaft begleitet sie Praxen bei der Umsetzung des QMs, das nicht nur Spaß macht, sondern auch wirtschaftlichen Erfolg für deine Praxis bedeutet. Hier kommst du zu unserer QM-Gruppe: https://www.synchrodent.de/beratung/die-qualitaet/highqlevel-verbund-zertifizierung-nach-iso9001/

Der erfahrene QMB, Auditor und ISO-Nerd Jan Jörgensmann ist inzwischen eine feste Größe im QM-Podcast. Diesmal tauschen wir uns über sinnvollen und hirnbefreiten Formalismus aus. Den QM-Podcast findest Du auf allen gängigen Plattformen (iTunes, Spotify, …), auf meiner Website und in Deiner Podcast-App. Über LinkedIn oder Xing kannst Du Dich gerne mit uns vernetzen. Wir freuen uns auf Deine Kommentare zu dieser Episode Jan Jörgensmann #isonerd & Stephan Joseph #isoman #podcast #formalismus

Mo Khan, CEO of Open Orphan #ORPH discusses their final results that saw record revenues of £39.0m up 76% on last year and a £9m improvement in EBITDA generating £2.9m from a £6.1m loss last year. Financial highlights ·       Record revenues of £39.0m (2020: £22.2m) achieved representing 76% growth ·       £9m improvement in EBITDA generating £2.9m (2020: £(6.1)m) ·       Cash and cash equivalents as at 31 December 2021 of £15.7m (2020: £19.2m) ·       Significant EPS improvement in 2021 to (0.01)p per share (2020: (1.80)p) ·       Order book growth of 11% to £46m future contracted revenue as at 31 December 2021 (2020: £41.6m) Operational highlights ·     Delivered a strong and growing pipeline of new challenge study contract wins o  Served four of the top 10 global biopharma companies in 2021 among a growing client base of over 60 clients ·     Substantially expanded the Group's offering into the respiratory market signing an asthma study with a top three global pharma company ·     Completed the world's first COVID-19 characterisation study which was proven to be safe and well tolerated ·     Contract signed to manufacture a SARS-CoV-2 Delta variant challenge agent with Imperial College London, as part of a Wellcome Trust-funded initiative ·     Opened a new quarantine clinic on a capital efficient basis to facilitate the growing demand for human challenge studies. This new facility, The Whitechapel Clinic, added 19 quarantine bedrooms for future challenge studies  ·     FluCamp screened c. 84,000 volunteers for human challenge studies in 2021 (2020: c.68,000); supported by the cost-efficient expansion of volunteer recruitment centre o  New London FluCamp volunteer recruitment centre - converted former coffee shop adjacent to the existing QMB facility o  New Manchester FluCamp volunteer recruitment centre ·     Significant CRO experience added to the Board with the appointment of Yamin 'Mo' Khan as Non-Executive Director, who was appointed CEO post period end ·     In June 2021, completed a distribution in specie to the Company's shareholders, through the demerger of certain non-core assets into Poolbeg Pharma Post-period end highlights ·     Commenced development of a new influenza challenge model for an existing top five global pharmaceutical client and signed a £14.7m contract for the characterisation and challenge trial to follow ·     £7.3m influenza challenge trial and £5m RSV challenge trial contracts signed ·     Launched a new Malaria human challenge model and was awarded by an existing Big Pharma client to act as a vaccination site for a Phase II field study ·     Opened a new primary FluCamp volunteer recruitment facility in Whitechapel, increasing bed capacity by 44% from 43 beds to 62 beds, and opened a new Manchester volunteer recruitment centre at the same cost as the old facility, but with four times the floor space, doubling the Group's volunteer screening capacity to 1,000 per week o  Facilities expansion enables the Group to broaden the scope of the business to offer additional clinical trial services outside of its traditional core challenge study offering

Show Notes 00:00 Introduction 00:22 Medicare part A 06:39 Medicare part B 15:35 Medicare part D Links Referenced: medicare.gov: https://medicare.gov Zach's email: mailto:zach@getsbi.com Nick's email: mailto:nick@getsbi.com Facebook: https://www.facebook.com/seniorbenefitinc Webpage: https://seniors-livinghealthy.com/ TranscriptAnnouncer: Welcome to our fireside chat with Seniors Living Healthy, the podcast that helps prepare and educate you as you enter and live out your golden years. With over 10 years of experience, Nick and Zach are experts in the senior market and are here to help you live a healthy, full life. And now fireside with your hosts, Nick Keene, and Zach Haire.Nick: Hello, and welcome to season two of Seniors Living Healthy, episode one. I'm Nick. And I have Zach, our co-host with us.Zach: Hey, folks.Nick: And for episode one of season two, we want to cover parts A, B, and D of Medicare, and the changes for 2022. So Zach, let's jump right in.Zach: Sounds good. So, kind of start off there from the top, Part A, just like in the alphabet, starting out with the first letter there, you know, that is our hospitalization, sir. You know, Nick, what are some common things that Part A covers?Nick: Yeah, so Part A kicks in when individuals are admitted to the hospital. It's worth mentioning, Zach, that they're admitted because we are seeing more commonly that people are being put in the hospital under observation. And that is actually covered under Part B. So, very simply, anytime someone is admitted to the hospital, not under observation, Part A kicks in.Zach: Got you. So, let's say, you know, I'm getting ready to turn 65 in a few months. I'm still working things like that, how do I get Part A? What do I have to do to qualify for it?Nick: Great question, Zach. We do get this question quite frequently. So, the most common way to qualify for Medicare is those individuals that have worked 40 quarters or ten years and paid into Medicare via payroll taxes, right? Those individuals get Medicare the month of their 65th birthday.Zach: Got you. So, no matter what, they're going to get Part A. I know you said you paid into it while you're working. Is there any additional costs added to that?Nick: Right. So, great question there, Zach, and worth mentioning here as well. For those individuals that qualify traditionally for Medicare, they worked 40 quarters, ten years, and paid in, Part A is premium-free, think of it as prepaid. But also you have those individuals that may qualify based on their spouse's, right? Their spouses may have worked 40 quarters or ten years, they also qualify for Medicare Part A the month of their 65th birthday.Then the third situation, there is a cost. And those individuals that don't have a spouse that qualifies for Medicare they can draw off of and don't have the credits themselves, depending on how much they have worked and paid in, Part A can be purchased.Zach: Yeah. So, you do still have the ability to get Part A, if you don't ‘qualify', you can always pay for that and pick it up.Nick: Absolutely.Zach: So, we know that in most cases, there's no additional premium; you've paid into it as you were working. Are there any other, you know, common costs associated with using Part A, whether it be a deductible, whether it be you know, skilled facility care, things such as that?Nick: Absolutely. So, yeah. So, basically with Part A, the way it works is it's designed with what we call a Medicare period of care, right? So, when those individuals that have Part A are admitted to the hospital, they are immediately responsible for a $1,556 deductible in the year 2022 that covers their first 60 days in their period of care, right? So, for those individuals, they go in, they pay that $1556 deductible, they're covered for the first 60 days, right?But it's worth mentioning that if they go beyond day 60 they do have additional cost, right? And that period of care doesn't end until they go a continuous 60 days without accessing care under Part A. So, assuming their period of care extends, day 61 through 90, those individuals are going to be responsible for $389 a day that they're in the hospital, and day 91 and beyond using those 60 lifetime reserve days, they're going to be responsible for $778 a day. You know, and the other thing to touch on here, Zach, that you mentioned is skilled facility care, right? So, we've seen a major transition in our market over the last five to ten years.You can recall when we were little, people had extended stays in the hospital, you know, people were in their one, two, four, six months. That doesn't happen really anymore, right? What we're seeing, the trend is individuals are being admitted to the hospital, they're being stabilized, and they're being shipped off to skilled facility care centers, right? And you know, whether that's for a hip replacement or a knee replacement, they fell and they broke something, speech, occupational therapy, whatever it may be, these individuals are staying at the skilled facility care centers for extended periods of time, not in the hospital. So, to qualify for Medicare to cover skilled facility care, they have to be in the hospital for at least three days and be admitted to the skilled facility care center within 30 days of being discharged. If those criteria are met, Medicare will cover day 1 through 20, one hundred percent, and then day 21 through 100, the individual is responsible for $194.50 per day.Zach: Got you there. So, you know, once someone is on Part A [everything 00:05:16], is there any limits where they can go, networks, anything like that?Nick: Yeah, one of the beauties of Medicare, Zach, and you know, we tell clients this all the time is Medicare's a nationwide program, right? California, North Carolina, Michigan, to Florida, and everywhere in between. They can access care, right? And that's one of the great things about Medicare is almost all facilities, almost all doctor's office accept Medicare. So, they have no restrictions, they can go just about anywhere they want.Zach: Got you. So, kind of wrapping up Part A there is, anyone can get that as long as you've worked 40 quarters or your spouse has worked 40 quarters. You're able to get that the month you turn 65, the first day of the month.Nick: Absolutely.Zach: And no matter whether you're continuing working or what you've got Part A?Nick: Yep.Zach: And with Part A alone, there was a $1,556 deductible on that they'd be responsible for but then, you know, it does help you in the skilled facility care things such as that, along with your 60-day continuous window of care. And again, no network so you can go wherever you want to go if you've got that Part A; pretty much every hospital, I'd say, in America takes Medicare.Nick: Absolutely, Zach. And just to wrap up on Part A, you know, one of the things that people need to remember is Part A is just hospital admittance insurance. Most of your typical services that are everyday needs are happening on outpatient care, or Part B, which we will be covering shortly.Zach: All right, so now we're going to roll into Part B, again, following our alphabet here, B comes right after A. So B, if you look at your red, white, and blue Medicare card, it is going to say medical, but we refer to it as outpatient.Nick: Absolutely, yeah. Yeah. And, you know, we try to eliminate confusion there because the Medicare card says ‘hospital' for Part A and ‘medical' for Part B, but we kind of feel both of those are medical, right? So, we like to explain Part B as anything that is outpatient care, or care that is not admitted into the hospital.Zach: Exactly, yeah. So, kind of got that cleared up. What exactly does it cover when it comes to different things?Nick: Yeah. So, Part B is by far the most common Medicare part, right? It's the most common used, and it literally covers any Medicare-approved charge outside of being admitted to the hospital, right? So, that could be hospital admittance under observation, that could be lab work, physical therapy, CAT scans, MRIs, doctor visits, primary care, or specialists, durable medical equipment, diabetic testing supplies, all those things encompass Part B.Zach: So, we know in Part A you get that automatically when you turn 65. Part B work the same way, or is there a few more hoops to jump through for that?Nick: Yes. So, for Part B, you know, that individual that qualifies for Medicare, either off their work experience or off of a spouse's work experience, they still are eligible to get Part B the month of their 65th birthday, right? However, with Part B, there is a premium, so Medicare does allow it to be elective.Zach: So, with it being elective, how does that situation play out? Do I have to take Part B when I turned 65? If I have creditable coverage, am I fine? You know, if I don't take am I going to get penalized? How does that work?Nick: Yeah, so we're seeing this question come across our desk more and more, Zach. It seems like in this day and age, more and more people are working post-65. We didn't run into this a lot five years ago. But basically, the way it's working is for those individuals that are Medicare-eligible, turning 65, they qualify for Medicare, they can still take Part B the month of their 65th birthday, but if they're still working and have credible coverage, right, which is defined as coverage, at least equivalent to Medicare, they do not have to take Part B. They can postpone it without penalty, assuming they have credible coverage.Zach: Got you. So, you said, you know, 2022, that average premium is $170.10.Nick: Yep.Zach: Which leads you to say if that's the average, there can be some outliers. Is there a way to make that cost lower?Nick: Yeah. So, you know, for a lot of individuals out there, they qualify for what's called Medicare Savings Programs, right? And we know those different programs, whether that's QMB, SLMB, Extra Help those types of things, those programs are designed to reduce or eliminate the premiums, deductibles, and copays associated with Part B, right? So, there are individuals that pay less, there are individuals that pay nothing if they qualify for those Medicare Savings Programs. And it's worth mentioning, to qualify for those programs, you need to reach out to Medicare, the Social Security office that goes through them.Zach: I'd be willing to bet it works the other way, too. I bet they can get a multiplier on you also.Nick: Yep, yep. So, what we see—you know, and once again, we're seeing it more and more as people are coming out of the workforce later in life—those individuals have what's called an IRMA, right, Income-Related Medicare Adjustment. So, if you have income levels above certain thresholds, Medicare is actually going to charge a multiplier, right, you're going to pay more than that $170.10 in 2022. medicare.gov is a great resource, they have the chart right there on the website, showing what those brackets are to get higher Part B costs.So, we certainly encourage people that think they may fall into that bracket, get on medicare.gov, reach out to us, you know, we can ask a couple questions and tell them what they would be looking at.Zach: Got you. So, kind of how we're on the cost of Part B—Nick: Sure.Zach: You know, if someone doesn't have credible coverage and they don't take Part B, then down the road they take Part B, what kind of penalty are they looking at?Nick: Yeah, so the government is penalizing those individuals that don't have Medicare and don't have credible coverage, right? And the penalty that they impose is 10% of the cost of Part B, per full year not covered either via Part B or creditable coverage, right? And it's worth mentioning, if they try to apply for Part B down the road, they're still going to pay that standard premium, they're going to pay that penalty on top of it, and unless they qualify for one of those Medicare Savings Programs like we were talking about, that's never going away.Zach: Yep so looking there, at you know—there are different times to enroll, in that, you know, when people do turn 65, a lot of times they take A and B at the same time.Nick: Yep.Zach: You can delay Part B, as we've talked about. What are those—that situation look like? If someone delays Part B, does that vary from when they turn 65?Nick: Absolutely. So, for individuals that are taking Original Medicare when they're turning 65, those individuals, you know, they get it the month of their 65th birthday. But for those individuals that are delaying Medicare, right, there's two different groups that it's worth mentioning here. For those people that have credible coverage that are still working, you know, they can take Part B anytime concurrent with their loss of coverage, or retirement, right, they have what's called a special election period. But the thing to mention is for those individuals that delay Part B that don't have credible coverage, they can only apply for Part B at certain times throughout the year, right?And that's what's called the general election period. Zach, right? And basically what that is a period from January 1st through March 31st each year that they can apply for Medicare Part B to go into effect 7/1 of that year.Zach: Right. So, you know, kind of look at you have your annual enrollment period, which is every year, October 15th, December 7th, which doesn't really play into this, but then you have your initial enrollment, which people might hear a lot about when they first turned 65, or take their Part B of Medicare. So, looking at, you know, we've kind of we've gone over what the premium can be as well as what possibly the penalty could be. As a whole, what does Part B have? What is it going to cover? What's going to be your out-of-pocket with that?Nick: Yeah, so you know, back to what we kind of mentioned earlier, just to kind of recap this is, Part B is going to cover anything that's not admitted into the hospital, right? So, you know, once again, that's hospitalization under observation; CAT scans; MRIs; lab work; physical therapy; doctor's visits, whether primary care or specialists; diabetic testing supplies; durable medical equipment. And the way Part B is designed, it's an 80/20 coinsurance, right? So, Medicare's covering 80%, the client is responsible for the remaining 20%, plus the Part B deductible, which is, in the year 2022, $233, right? So, it's worth mentioning here—and we tell this to people all the time, this is why we encourage people to get supplemental policies—that 20% that we speak of is uncapped.Now, if you're going to the doctor once a year, that's not a big deal, right? But if you're going through cancer treatments, if you're going through some sort of outpatient surgery, you got to pay 20% of all of that cost, which certainly leaves people with some exposure, right?Zach: Got you. So, you know, no max out of pocket; you know, you're going to keep paying that 20—Nick: Absolutely.Zach: —until—and again, Part B is very similar to Part A, there's no networks.Nick: Absolutely.Zach: They take Medicare, they're going to take in. As long as you may have been doing this, I don't think I've ran into a doctor's office that doesn't take Medicare, yet.Nick: Yeah. In ten years, I've ran into one facility that didn't accept Medicare.Zach: Yep. So, kind of wrapping up Part B there. Know no, it is, in a sense, elective; when you turn 65 or retire from work losing credible coverage, you can pick up Part B at that time. If you don't pick up Part B without credible coverage, they are going to give you a nice little permanent penalty to add onto that, which for 2022 is $170.10. Probably going to see an increase in that down the road.Nick: Mm-hm. Absolutely.Zach: It's going to cover everything for you 80/20, whether that be durable medical equipment, diabetic testing, outpatient surgery, or anything like that. But that 20% is not going to be capped.Nick: Yep, absolutely.Zach: All right. And kind of moving on down the line. Here we've done A, we've done B. We're going to skip over C, so we're going to hit in Part D of Medicare. Easy to remember what it covers because covers your drugs. Part D: Drugs, easy to keep up with there. So, we have talked about, you know, in Part A and Part B, how you get it, what you qualify for. How does that work with Part D?Nick: Yes, so Part D, you know, it's worth mentioning, Unlike Supplemental Coverage, or Medicare Advantage coverage, which we will be covering in next episode, With Part D, the individual only has to have a minimum of Part A or B of Medicare, although most people have A and B, right? But it's worth noting for those individuals that are still working that are delaying Part B, just having Part A is enough to purchase Part D. And it's also worth mentioning, you have to live in the plan's service area, right? Part D drug plans are network-based, so you have to have a minimum of A and/or B, and live in the plan's service area to purchase a drug plan it.Zach: So, also we've talked about cost. When it comes to cost, A and B for the most part, are standardized. Is Part D the same way, or you know, what is its cost?Nick: Yes. So, one of the things that, you know, we're always telling people as we're speaking with them is all prescription drug plans are different, right? And, you know, we see drug plans anywhere from $6.50 a month in premium in the year 2022 All the way north of $100 a month, right? And, you know, it's like we say, if one plan was the best for everybody, right, they would put the rest out of the business.So, as far as costs, it certainly has a wide range, and that all depends on what the scripts, what medications those individuals are taking, right? But it's also worth mentioning, just like Part B of Medicare, right? Medicare Savings Programs can cover some or all of the costs of the drug plans and can also either reduce or completely eliminate the cost of those medications people are taking as well, right? So, it can come down. And it's also worth mentioning, IRMA coming back into play here, right, that Income-Related Medicare Adjustment, for those individuals that are higher-level earners, right, they have a multiplier on that Part D premium, so they would pay that multiplier on top of the standard premium for Part D.Zach: Pretty easy to see why Part D is the most complicated part of our job—Nick: Absolutely.Zach: When it comes there. So, you know, kind of covered, premiums are going to vary, and then on top of that you could get help through Medicare, or you could get a multiplier on Medicare there. So, what does it take to qualify for Part D? I know you said yet to have Part A and/or Part B, one or the other, but what if I'm-you know, what, if I'm in that boat where I'm still working? Do I have to take Part D if I have Part A, or can I forgo it?Nick: Yeah. So, very similar to Part B, Part D is elective right? Now, you have to have credible coverage to not be penalized, but you can delay it. So, if you're 65, you're becoming Medicare eligible, you're still working, or maybe you're retired and you're still carrying group insurance, you don't have to take a drug plan as long as your coverage is credible. And once again, credible [unintelligible 00:18:59] coverage is defined as coverage at least equivalent to Medicare's basic coverage, right?So, for those individuals that are still working, they are not needing Medicare Part D, they will not be penalized for not taking a Medicare prescription drug plan.Zach: So, you said they—you know, if they have credible coverage, they're not going to be penalized, which therefore means there's a penalty.Nick: Yep.Zach: What is that penalty?Nick: Yeah. So, it's a little bit different than the way Part B works. So, for Part D, the average cost of a per prescription drug plan in 2022 is approximately $34. So, every full month that they go without credible coverage, or coverage, they are going to be penalized 1% of that $34 premium in the year 2022, times the amount of full months they went without coverage. Now, it's worth noting that average premium costs switches year-to-year, right? We've watched that steadily creep up over the last few years.So, you know, it's very hard for us to be able to give people an exact penalty, what they would be looking at. Medicare is who's going to determine those, Medicare is who's going to issue those, so we can give people an idea, but ultimately that information has to come from Medicare, right?Zach: Got you there. So, you know, we know when you first turn 65 going into Medicare, you can get Part D, if you go that route.Nick: Yep.Zach: What if I've been 65 for a while and I get some new prescriptions, it's not covered well on my plan, when can I make changes to those?Nick: Yes. So, for those individuals that are new to Medicare, they're in that initial enrollment period, right? That window runs three months before their effective date up to three months after. Once that period ends, right, they're very limited in the ways that they can make changes, right, the most common is annual enrollment period, right? Anybody that's been in this business, knows anything about it, they get bombarded, you know, in that timeframe.But from October 15th through December 7th, those individuals can make changes, as many as they want, and when the sun goes down December 7th, the last application that was signed and turned in becomes effective 1/1, right? But now over the last few years, you know, Medicare introduced the Medicare Advantage open enrollment period, right, which is now running January 1st through March 31, and during that timeframe, individuals that are on Medicare Advantage plans can make a change to their drug coverage in two different forms, right? So, they can change from one Medicare Advantage plan to another Medicare Advantage plan, or if they so choose, they can drop Medicare Advantage back to Original Medicare and pick up a prescription drug plan. But outside of those two windows, Zach, the only other situation, typically, that we see people can make changes is they have a special election period, right? And in our business, what that means is, A, they're moving, right?In our area, we see people coming down from the north moving here, or maybe they're snowbirds, they're moving from here or the north down to Florida. Those individuals get a special election period because they're moving out of that plan's service area, right? And then the other caveat would be those individuals that are post-65 that are still working, that are still carrying group insurance, those individuals have a special election period when they retire and/or lose coverage that they can make a change to their drug coverage as well.Zach: So, kind of off that point, there are networks on these drug plans that does give you the ability to change if you do move because you would be out of your network service area—Nick: Absolutely.Zach: There. Yep. So, you know, we talk to people all the time, especially [AEP 00:22:44] about prescription plans. When you're talking to us, talking to your agent, whoever, when you're going through this, one, you know, what are some things you need to make sure you have handy to make our lives easier as an agent, but then what—tell them on our end what we're looking at, to help them make a decision?Nick: Yeah, so I'm going to answer that question backwards, Zach, okay? I'm going to answer your second question first, and we'll fire away on the second one. So, for those individuals that are looking, right, to get prescription drug coverage, there's several things that they need to understand about a plan, or at least grasp, right, to know why it is what we're doing, right? It's easy for us to recommend a solution, but we feel—I know, we've always discussed this—we feel that ultimately, you know, it's our job to educate people, but it is ultimately their decision, right?So, for us, you know, what we're looking at, you know, in the grand scheme here is overall cost, right? I mean, you know, that's what I want to know, what are these plans going to cost you, whether that's in the form of a premium, whether that's in the form of a deductible on your plan, whether that's in the form of the copays you pay to fill your script each year, we're looking at that aggregate annual cost, right? Now, as far as what we need to be effective as a tool for them in searching plans, you know, all plans are different, Zach, as we know. The premium is different, some plans have deductibles, some don't, some offers zero copay on tier one, tier two, some don't, right?So, what we ask of clients to be effective in this manner is we need a list of your prescriptions, we need to know the dosages of each one of your prescriptions, and then we ultimately need to know the frequency that you're taking them or filling them, and we have the ability to plug in and pull all options in their area and discuss those costs with them.Zach: Yeah, definitely. So, kind of wrapping up Part D, put a bow on it there. It is similar to B, it's elective—Nick: Sure.Zach: —in a sense. As long as you've got credible coverage elsewhere, you don't have to take Part D at the time you turn 65. As long as you have A or B, you are eligible for it. And plans vary. This is a plan that you definitely need to reach out to your agent, reach out to us—Nick: We'd prefer if it was us, Zach.Zach: Yeah. [laugh]. Oh, yeah. And so, you know—because they do vary so much by premium, deductibles, copays, networks, things like that, but they will cover your prescriptions; there are ways out there to work that.Nick: Yeah. Just to add, wrapping up here, Zach, you know, one of the things that we always preach to our agents and we always tell our clients is, this is the basics of everything that has to do with Medicare, right? So, we feel that these are important, people need to have a grasp of the way that Original Medicare and prescription drug coverage works before they're really ever going to have a chance, right, to know how that secondary or that Medicare Advantage plan works.So, as you're listening to this, we've kind of been generic, right? We're covering the highlights. For those individuals that have more questions that maybe have a specific question, you know, reach out to us, 844-437-4253. We're here, we're ready to answer your questions, and we'd certainly love to hear from you.Zach: All right, folks. So, this kind of wraps up episode one here. We covered Parts A, B, and D of Medicare. We hope that that helped you out there, answered some questions for you. We tried to cover some of the real basic questions we get on a daily basis.You know, but if you do have more questions or want more information, you know, ready to sign up and looking for help, we'd be more than happy to help. You know, as Nick stated earlier, you can always give us a call at 844-437-4253, or we can always be reached by email zach@getsbi.com or nick@getsbi.com. We hope you found this episode informational and helpful, and as always, we'll catch you guys next time.Announcer: Thank you for listening, and we hope you found this episode informative. If we answered your questions, odds are you aren't the only one wanting to know, so please share this episode with your friends and family. If you enjoyed this episode, please subscribe and rate our show on Apple Podcasts, or wherever you listen to podcasts to catch all of our episodes. If you want more information, or want to talk directly with Nick and Zach, you can call them at 1-844-437-4253. You can also find them on Facebook at facebook.com/seniorbenefitinc or on their website. seniors-livinghealthy.com. Thanks for listening, and have a great day.

Mo Khan, CEO of Open Orphan #ORPH discusses their new £5m respiratory syncytial virus human challenge study contract with a European biotechnology company to test its intravenous antiviral candidate, using the hVIVO RSV Human Challenge Study Model. The study is expected to commence this year and will test and assess the efficacy of the client's antiviral candidate in a cohort of healthy young adult volunteers. This contract builds on Open Orphan's existing relationship with this European biotech, following previous early clinical work completed by the Venn Breda team, highlighting the Company's ability to maintain relationships with its clients over time and to cross sell services between brands. The Company expects the revenues from the contract to be recognised across 2022 and 2023.   The study will be conducted by hVIVO's highly trained team of medics at its state-of-the-art quarantine facilities in London which was recently expanded in a cost-efficient manner from 43 to 62 beds, an increase of c. 45%. The Company's specialised virology laboratories, hLAB, will provide qPCR (quantitative polymerase chain reaction), infectivity and serology data for the study. Open Orphan plc Open Orphan plc (London and Euronext: ORPH) is a rapidly growing contract research company that is a world leader in testing infectious and respiratory disease products using human challenge clinical trials. The Company provides services to Big Pharma, biotech, and government/public health organisations. Open Orphan runs challenge studies in London from both its 19-bedroom Whitechapel quarantine clinic and its state-of-the-art 24-bedroom QMB clinic with its highly specialised on-site virology and immunology laboratory. The Company has a leading portfolio of human challenge study models for infectious and respiratory diseases and is developing a number of new models. There has been an explosion in the growth of the infectious disease market, which is estimated to grow to in excess of $250bn by 2025. The Group is focused on refreshing its existing challenge models and develop new models, such as Malaria, to address the dramatic growth potential of the global infectious disease market. Building upon its many years of challenge studies and virology research, the Company is developing an in-depth database of infectious disease progression data. Based on the Company's Disease in Motion® platform, this unique dataset includes clinical, immunological, virological, and digital (wearable) biomarkers. The Disease in Motion platform has many potential applications across a wide variety of end users including big technology, wearables, pharma, and biotech companies. Open Orphan's Paris office has been providing biometry, data management and statistics to its many European pharmaceutical clients for over 20 years. For over 15 years, the Company's Netherlands office has been providing drug development consultancy and services, including CMC (chemistry, manufacturing, and controls), PK and medical writing, to a broad range of European clients. Both offices are now also fully integrated with the London office and working on challenge study contracts as well as supporting third party trial contracts.

Cathal Friel, Executive Chairman & Mo Khan, CEO of Open Orphan #ORPH discuss their trading update where they expect 2021 to have been EBITDA positive, on revenues of approximately £40m & with cash as of 31th December at £15.6m.  Trading Update Subject to completion of the audit, the Company expects both revenues and EBITDA to be in line with the expectation detailed at the time of the interim results.  Accordingly the Company expects 2021 to be EBITDA positive with revenues of approximately £40m. Cash and cash equivalents as of 31 December 2021 was £15.6m (30 June 2021: £14.9m). The Company further expects to be in line with management expectations for year-ending 31 December 2022, targeting revenues in the region of £50m in non-COVID-19 work. COVID-19 revenue for 2022 will be in addition to this and will depend on the eventual timing of these studies. Facilities Expansion The new facilities will double the Company's previous volunteer screening capacity, significantly boosting its ability to identify and enrol study volunteers and patients and further strengthening its world leading human challenge capabilities. As part of the opening of a new specialised volunteer recruitment facility in London, the Whitechapel quarantine clinic and the Queen Mary's Bioenterprises Centre ("QMB") clinic will both be exclusively dedicated to conducting human challenge studies going forward. The space at QMB currently providing volunteer screening will be converted into further quarantine bedrooms. As such, the Company's QMB facility will expand to 31 beds, adding to the Whitechapel Clinic's 19 beds and the Plumbers Row Facility's 12; in total the Company's bed count will reach 62. These new facilities offer an opportunity to the Company to expand the scope of the business to offer Phase I and Phase II vaccine field trials, PK (pharmacokinetics) studies, bridging studies, and patient trials (as opposed to healthy volunteer human challenge trials) as part of large international multi-centre studies which do not require a quarantine setting.  The increase in volunteer recruitment capacity will enable the Company to recruit larger cohorts more quickly than before and cement Open Orphan's world leading position and reputation in volunteer recruitment. Particularly in Manchester, the secondary facility extends the Company's reach for more volunteers and facilitates the increasing demand for human challenge studies. During volunteer screening there are large numbers of volunteers that are ineligible to take part in challenge studies for a variety of reasons, such as previous infection by the virus under investigation. By broadening the business offering to include Phase I and Phase II field trials, a large proportion of the volunteers already in the FluCamp facility could be eligible to take part in these studies. The Plumbers Row Facility, London, plus the volunteer recruitment facility in Manchester, will have additional laboratory capacity, meaning samples collected during volunteer screening visits can be processed and stabilised on site. As a result, the primary laboratory at QMB has the capacity to expand its virology lab services business and increases its biomarker and molecular testing capabilities. In addition, the Company's corporate office will move from Alie Street to an upper floor in Plumbers Row. Both London and Manchester facilities offered attractive terms; the new Plumbers Row space is c. 9,000 sq ft and is a third of the cost of the current space of 4,000 sq ft; the new Manchester facility comes at the same cost as the old facility, but with four times the floor space at c. 2,000 sq ft.

Cathal Friel, Executive Chairman & Mo Khan, the newly appointed CEO of Open Orphan #ORPH discuss the new board structure. Highlights Executive Chairman, Cathal Friel will continue in his role under the new management structure. On 13 October 2021, the Company disclosed that Mo was appointed as an Independent Non-Executive Director of Open Orphan and that he would Chair both the Audit and Risk, and Nomination Committees. With Mo stepping into an executive role, the Company will look to fill the vacant Independent Non-Executive position and associated committee positions within the next 6 months. In the interim Mo will remain on both the Audit and Risk, and Nomination Committees however he will step down as Chair with immediate effect. He will also step down from the Remuneration Committee with immediate effect. Elaine Sullivan, as Independent Non-Executive Director, will take on the Chair position for the Audit & Risk Committee in the interim and for the Nomination Committee on a full-time basis. Mo is a business leader and customer-focused CRO executive with over 25 years of global clinical research experience across clinical operations, project management, business development and executive management functions. He previously worked at Pharm-Olam International, a global CRO, for 19 years from 2000-2019. Mo worked across a variety of senior positions including Executive Vice President of Clinical Development and Global Director of Clinical Operations. Mo was a key leader in driving the expansion and growth of the company from a small niche Eastern European CRO to a global player with offices across all continents. Laterally, he led global business development at Pharm-Olam resulting in significant growth and a successful sale in 2017, delivering substantial returns to its shareholders. Prior to this he worked at Innovex and Quintiles CRO (IQVIA). About Open Orphan plc Open Orphan plc (London and Euronext: ORPH) is a rapidly growing contract research company that is a world leader in testing vaccines and antivirals using human challenge clinical trials. The Company provides services to Big Pharma, biotech, and government/public health organisations. Open Orphan runs challenge studies in London from both its 19-bedroom Whitechapel quarantine clinic and its state-of-the-art 24-bedroom QMB clinic with its highly specialised on-site virology and immunology laboratory. The Company has a leading portfolio of human challenge study models for infectious and respiratory diseases and is developing a number of new models. There has been significant growth of the infectious disease market, which is estimated to grow to in excess of $250bn by 2025. The Group is focused on refreshing its existing challenge models and develop new models, such as Malaria, to address the dramatic growth potential of the global infectious disease market. Building upon its many years of challenge studies and virology research, the Company is developing an in-depth database of infectious disease progression data. Based on the Company's Disease in Motion® platform, this unique dataset includes clinical, immunological, virological, and digital (wearable) biomarkers. The Disease in Motion platform has many potential applications across a wide variety of end users including big technology, wearables, pharma, and biotech companies. Open Orphan's Paris office has been providing biometry, data management and statistics to its many European pharmaceutical clients for over 20 years. For over 15 years, the Company's Netherlands office has been providing drug development consultancy and services, including CMC (chemistry, manufacturing, and controls), PK and medical writing, to a broad range of European clients. Both offices are now also fully integrated with the London office and working on challenge study contracts as well as supporting third party trial contracts.

Cathal Friel, Executive Chairman of Open Orphan #ORPH discusses the results from the world's first COVID-19 Characterisation Study which was a partnership between hVIVO, Imperial College London, the Vaccine Taskforce and Department of Health and Social Care and the Royal Free London NHS Foundation Trust. The key clinical insights were as follows: Viral load ("VL") ·    18 volunteers (50%) became infected with viral load (VL) rising steeply and peaking at ~five days post-inoculation ·    No quantitative correlation was noted between VL and symptoms Symptoms ·   No serious symptoms ·   Mild-to-moderate cold like symptoms were reported by 16 (88%) of 18 infected volunteers including a stuffy or runny nose, sneezing, and a sore throat. Some experienced headaches, muscle/joint aches, tiredness and fever ·    Anosmia (lost or changed sense of smell) occurred in 13 (72% of infected) volunteers Virus detection ·    Average time from first exposure to viral detection and early symptoms (incubation period) was 42 hours ·    Virus was detected earliest in the throat but at significantly greater levels in the nose; o  Virus detected in the throat on average after 40 hours o  Virus detected in the nose on average after 58 hours ·    High levels of viable (infectious) virus was seen for approximately nine days post-inoculation, and up to a maximum of 12 days ·    Modelling using the study data indicated that regular asymptomatic lateral flow testing ("LFT") would diagnose infection before 70-80% of infectious virus had been generated, thus if isolation was triggered would decrease community transmission to others Importantly, no serious adverse events (SAEs) occurred, and the SARS-CoV-2 human challenge study model was shown to be safe and well tolerated in healthy young adults. With the characterisation study disease modelling data completed, and a COVID-19 Human Challenge Model now established, the Company should be able to contract / conduct COVID-19 human challenge studies in 2022, subject to individual ethics and regulatory approvals. The Company is already developing a Delta strain of the COVID-19 virus in partnership with Imperial College London and funded by the Wellcome Trust, which could be used in future trials. The data published today supports the safety of the infection challenge model which could theoretically provide a 'plug and play' platform for testing therapies and vaccines using the original COVID-19 strain as well as variants of the virus. About Open Orphan Open Orphan plc (London and Euronext: ORPH) is a rapidly growing contract research company that is a world leader in testing vaccines and antivirals using human challenge clinical trials. The Company provides services to Big Pharma, biotech, and government/public health organisations. Open Orphan runs challenge studies in London from both its 19-bedroom Whitechapel quarantine clinic and its state-of-the-art 24-bedroom QMB clinic with its highly specialised on-site virology and immunology laboratory. The Company has a leading portfolio of human challenge study models for infectious and respiratory diseases and is developing a number of new models. There has been significant growth of the infectious disease market, which is estimated to grow to in excess of $250bn by 2025. The Group is focused on refreshing its existing challenge models and develop new models, such as Malaria, to address the dramatic growth potential of the global infectious disease market. Building upon its many years of challenge studies and virology research, the Company is developing an in-depth database of infectious disease progression data. Based on the Company's Disease in Motion® platform, this unique dataset includes clinical, immunological, virological, and digital (wearable) biomarkers. The Disease in Motion platform has many potential applications across a wide variety of end users including big technology, wearables, pharma, and biotech companies. Open Orphan's Paris office has been providing biometry, data management and statistics to its many European pharmaceutical clients for over 20 years. For over 15 years, the Company's Netherlands office has been providing drug development consultancy and services, including CMC (chemistry, manufacturing, and controls), PK and medical writing, to a broad range of European clients. Both offices are now also fully integrated with the London office and working on challenge study contracts as well as supporting third party trial contracts.

BESCHREIBUNG Qualitätsmanagementsysteme laufen nicht immer rund. Entsprechend herausfordernd sind sie auch für ihre Fachkräfte (z.B. Qualitätsmanagementbeauftragte, Qualitätsmanager:innen). Wo typische Hürden auftauchen, lassen sich auch mögliche Zusammenhänge und Lösungsansätze finden - beispielsweise zur Qualifizierung. Zumindest dann, wenn eine Expertin wie Almut Strathe am Gespräch beteiligt ist. Sie berät, auditiert und coacht nicht nur. Sie bildet auch QMB aus ... SHOWNOTES Die Kerninhalte der Episode als "Steckbrief" im [BLOG](https://susannepetersen.com/interview-almut-strathe/).

Cathal Friel, Executive Chairman of Open Orphan #ORPH talks about their $13.4m contract with a US-based biotechnology company to test its novel antiviral candidate using the hVIVO Influenza Human Challenge Study Model. The study is expected to commence in H2 2022 and will be conducted at hVIVO's state-of-the-art quarantine facilities in London. The Company expect the majority of revenues to be recognised in 2022. The Company expects to sign an increasing number of contracts in this area as the global pandemic has highlighted the increased investment needed from governments and Big Pharma to develop effective, novel treatments for a range of infectious diseases that have potential to cause the next pandemic. Influenza is one such disease, with emergences of flu pandemics impossible to predict. Symptoms of influenza may be mild or cause severe disease, or in certain cases, death. Influenza is a serious global health threat with an estimated 1 billion cases per year, 3-5 million severe cases and 290,000 - 650,000 deaths per year. hVIVO has two decades of experience and expertise in safely conducting challenge studies across a range of respiratory viruses, including various strains of influenza, respiratory syncytial virus (RSV), human rhinovirus (HRV - common cold virus), malaria, and asthma. In October 2020, this expanded to include the SARS-CoV-2 virus. About Open Orphan Open Orphan plc (London and Euronext: ORPH) is a rapidly growing contract research company that is a world leader in testing vaccines and antivirals using human challenge clinical trials. The Company provides services to Big Pharma, biotech and government/public health organisations. Open Orphan runs challenge studies in London from both its 19-bedroom Whitechapel quarantine clinic and its state-of-the-art 24-bedroom QMB clinic with its highly specialised on-site virology and immunology laboratory. The Company has a leading portfolio of human challenge study models for infectious and respiratory diseases and is developing a number of new models. There has been an explosion in the growth of the infectious disease market, which is estimated to grow to in excess of $250bn by 2025. The Group is focused on refreshing its existing challenge models and develop new models, such as Malaria, to address the dramatic growth potential of the global infectious disease market. Building upon its many years of challenge studies and virology research, the Company is developing an in-depth database of infectious disease progression data. Based on the Company's Disease in Motion® platform, this unique dataset includes clinical, immunological, virological and digital (wearable) biomarkers. The Disease in Motion platform has many potential applications across a wide variety of end users including big technology, wearables, pharma and biotech companies. Open Orphan's Paris office has been providing biometry, data management and statistics to its many European pharmaceutical clients for over 20 years. For over 15 years, the Company's Netherlands office has been providing drug development consultancy and services, including CMC (chemistry, manufacturing and controls), PK and medical writing, to a broad range of European clients. Both offices are now also fully integrated with the London office and working on challenge study contracts as well as supporting third party trial contracts.

Mit Jan Jörgensen (QMB eines diakonischen Werks, Stellvertretende Leitung des DGQ Regionalkreises Ruhrgebiet und zugelassener Auditor ISO 9001) rede ich in dieser QM-Podcast Episode über mögliche Rollen von QM-Beauftragten in Organisationen. Wer mit Jan Jörgensen in Kontakt treten möchte, kann dies über den DGQ-Regionalkreis Ruhrgebiet tun: https://www.dgq.de/corporate/verein/regionalkreise/ruhrgebiet/ Mich findet man wie immer über www.joseph-beratung.de. Viel Spaß beim Hören dieser Episode, Stephan Joseph

Es ist immer wieder erstaunlich, welche Mythen sich um die Themen Qualitätsmanagementsystem und Zertifizierung ranken. Mit dieser Episode möchte ich zum besseren Grundverständnis beitragen, damit immer mehr Personen in Unternehmen eine positive Einstellung gewinnen und effektiv an der Umsetzung eines guten QM-Systems mitwirken. Wenn Sie an tiefergehenden Weiterbildungsangeboten interessiert sind, werfen Sie einen Blick auf die Videotrainings der Lev-Akademie: https://www.lev-akademie.de Sollten Sie Interesse an einer persönlichen Beratung haben, finden Sie weiterführende Informationen auf meiner Website: https://www.joseph-beratung.de

Cathal Friel, Executive Chairman of Open Orphan #ORPH discusses their 242% revenue growth in H1 & £5.7m New Contract Win Profitable Financial Performance in H1 2021: - Continuing from a profitable Q4 2020, the Company has moved the business to a firmly profitable position with losses consigned to the past - 242% reported revenue growth in H1 2021 (£21.9m) versus H1 2020 (£6.4m). Other income grew to £1.2m in H1 2021 from £0.7m in H1 2020 - EBITDA profit of £2.1m (2020: EBITDA loss of £4.1m) - Revenue has more than tripled reflecting six active challenge studies in H1 2021 vs two active challenge studies in H1 2020 and a solid performance in Early Clinical / Biometry Services - In H1 2021, non-COVID-19 related work accounted for 75% of revenues - Gross margin has grown from 6% to 28% of revenue, reflecting that the Company is driving substantial operating leverage through cross selling, restructuring, functional integration and operational productivity - Cash and cash equivalents were £14.9m at 30 June 2021, primarily reflecting the operating cashflow cycle of the business with new contract prepayments expected in H2 2021 - The Company has executed a share capital re-organisation as an important enabler to progress the monetisation of non-core assets via distribution of dividend in specie. In June, it completed the first distribution in specie back to the shareholders worth £26.2m at 16 September 2021, in relation to the demerging of certain non-core assets into Poolbeg Pharma Limited ("Poolbeg Pharma") About Open Orphan Open Orphan plc (London and Euronext: ORPH) is a rapidly growing pharmaceutical service/contract research company that is a world leader in testing vaccines and antivirals using human challenge clinical trials. The company provides services to Big Pharma, biotech and government/public health organisations. Open Orphan runs challenge studies in London from both its 19-bedroom Whitechapel quarantine clinic, opened in February 2021, and its 24-bedroom QMB clinic with its highly specialised on-site virology and immunology laboratory. Open Orphan has a leading portfolio of human challenge study models for infectious and respiratory diseases and is developing a number of other models including the world's first COVID-19 human challenge study model as part of the Human Challenge Programme.

On a retiré deux exigences d'instruction pour de nombreux soldats. Le lieutenant-colonel Patrick Chartrand, du Centre d'instruction au combat, explique les raisons qui ont mené à ces changements et leur incidence sur l'Armée. Vous pouvez lire les détails de ces changements dans le CANFORGEN 72/21 qui est accessible sur le RED (Réseau intranet de l'Équipe de la Défense).Bon nombre des idées de l'émission viennent de vous, les auditeurs – n'hésitez pas à nous envoyer vos suggestions ou vos commentaires. De plus, n'hésitez pas à poser des questions au capitaine Orton! Voici les informations du balado :armyconnect-connectionarmee@forces.gc.caAnimateur : Capt Adam OrtonInscrivez-vous à l'édition de cette année de la Course de l'Armée du Canada! www.armyrun.ca/frLes auditeurs de la baladodiffusion de l'Armée canadienne peuvent économiser un cinq dollars supplémentaire lorsqu'ils s'inscrivent en utilisant le code promotionnel CAP. Veuillez prendre note que cette offre ne peut être jumelée à aucune autre offre.Médias sociaux de l'Armée canadienneVous trouverez ici plus d'information sur l'Armée canadienne.Toute la musique est utilisée en vertu d'une licence accordée par artlist.ioRenseignements sur le droit d'auteur© Sa Majesté la Reine du chef du Canada, représentée par le ministre de la Défense nationale, 2021

#Medicare #Medicaid #MQMB #QMB #thunhapthap #ittaisan #tienhotronguoicothunhapthap Quý cô chú đã có Medicare và income thấp không đủ trả chi phí, có chương trình nào để giúp đỡ không? Nội dung chính: Chương trình hỗ trợ người có thu nhập thấp có bao nhiêu cấp? MQMB là gì? QMB là gì? Văn phòng bảo hiểm chúng tôi chuyên về Medicare & Obamacare. Hãy để Kim-Anh giúp quý vị tim hiểu, so sánh, và lựa chọn một chương trình Medicare hoặc Obamacare phù hợp với quý vị. Văn phòng bảo hiểm chúng tôi đại diện nhiều công ty bảo hiểm như Aetna, Amerigroup, Blue Cross Blue Shield, Cigna-Healthspring, Wellcare (Texanplus), Humana, UnitedHealthcare, Ambetter, Community Health Choice, Molina, Oscar v.v. Kim-Anh có thể giúp miễn phí những quý vị cao niên xin Medicaid hoặc Extra Help để giúp giảm bớt tiền thuốc theo toa. Hãy gọi cho Kim-Anh số tại 832-219-1080. Kim Anh Nguyen, EA 832-219-1080 BaohiemTX@gmail.com facebook.com/baohiemkimanh http://www.KimAnhTX.com

If you're unsure what the differences are between Medicare and Medicaid, don't go anywhere. In today's video, we're going to explain the difference between the two, as well as additional Medicare Savings Programs you could be eligible for.Medicare is a federally funded program for those who are over 65 as well as those who are under 65 with a disability. With Medicare, the benefits are the same across all 50 states, and your income is not an eligibility factor.  With Medicaid, It's funded both on the federal level and the state level. You're eligible at any age and benefits and criteria do vary from state to state. With Medicaid, you must meet the low-income criteria within your state to become eligible.If you meet the eligibility criteria for both Medicare and Medicaid, that means your dual-eligible. Those who are dual-eligible can qualify for a Medicare Savings Program. These programs help pay for your Medicare cost including deductibles, co-pays, and coinsurance. In addition, all of those who are eligible for Medicare Savings Program are also eligible for a program called Extra Help.Extra Help provides assistance with your prescription drug cost under Part D. Also, if you delayed enrolling into Part D and incurred a late enrollment penalty because of it, that penalty will be waived if you're eligible for Extra Help. To qualify for Medicare Savings Program you must be already enrolled or at least eligible for Part A and your income and resources must meet the federal and state limits set for the program. There are four different types of Medicare Savings Programs. The first type of Medicare Savings Program we're going to go over is called the Qualified Medicare Beneficiary Program, or QMB. With the Qualified Medicare Beneficiary Program, you will have coverage for the Part B premium. If by chance you were not eligible for premium-free Part A then the Qualified Medicare Beneficiary Program will also cover your Part A premium. Medicare will be your primary coverage and your QMB will be your secondary. This means you won't need any Medigap plan since your QMB will cover your premiums, co-pays, and deductibles. The Qualified Medicare Beneficiary Program is the highest level of Medicare Savings Program you can get. The second type of Medicare Savings Program available is the Specified Low-Income Medicare Beneficiary or SLMB. The Specified Low-Income Medicare Beneficiary Program will pay for your Medicare Part B premium. The next type of Medicare Savings Program is Qualified Individual or QI. The Qualifying Individual Program will also pay for your Medicare Part B premium. The only difference is that you must apply for this program each year. It's on a first come first serve basis. The fourth and final type of Medicare Savings Program is the Qualified Disabled and Working Individual, or QDWI. If you're under 65, disabled, and working and you can qualify for the QDWI. This program will pay for the premium for your Part A. The most common question we get about the QDWI program is if you must be working? And the answer is yes, you must be under 65 disabled and still working to qualify.Keep in mind, each state may have a different name for these types of Medicare Savings Program. So don't be confused if your local Medicaid office refers to them with a different name. You can apply for any of the Medicare Savings Programs at any time of the year at your local Medicaid office. The list of what you need to apply can vary by state, but in general, you'll need to provide:- Proof of residence- Proof of age- Other forms of insurance, like Medicare- Checking and savings accounts- Retirement accounts- Stocks and bonds- Mutual fundsResources that aren't counted would include:- Your primary residence- Household items- Any furniture- One car

Lieferantenmanagement ist nicht nur Sache des Einkaufs Ja, der Einkauf spielt natürlich eine wichtige Rolle im Lieferantenmanagement. Aber Du als QualitätsmanagerIn oder QMB solltest in Sachen Qualität zumindest mithelfen und verstehen, was im Hintergrund passiert. Denn, wenn zum Beispiel EinkäuferInnen Produkte und Dienstleistungen nur nach dem günstigsten Preis einkaufen, kann das negative Folgen für die...

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Ein 500 Seiten dicker Aktenordner kann schon ganz schön beängstigend wirken. In 3 Monaten kommt der TÜV zur Zertifizierung. Ist das QM-Handbuch noch aktuell? Hat jemand die neuen Arbeitsanweisungen schon übertragen? Fragt mal Eure MitarbeiterInnen. Was ist QM? Wozu haben wir ein QM Handbuch? Was bringt es uns? In den meisten Praxen die ich beraten habe bedeutet QM: Arbeit an etwas starrem, das nur Zeit kostet und nichts bringt. Erst sind die Qualitätsmanagementbeauftragten stolz die QMB zu sein, dann irgendwann empfinden sie es als Strafe oder zumindest als Last. Manchmal haben auch einfach nur alle anderen MitarbeiterInnen Angst vor der QMB, denn sie ist genauso unbequem wie das Handbuch. Aber so kann es doch nicht weitergehen! Qualitätsmanagement ist unglaublich hilfreich und sinnvoll, wenn es um die Entwicklung Deiner Praxis geht. Es ist gelebtes und ständig aktualisiertes Wissenmanagement. Wäre es nicht toll, wenn jede neue MitarbeiterIn einen strukturierten Einarbeitungsplan hätte? Wenn klar wäre, welche Ziele und Leistungen bis zum Ende der Probezeit erbracht werden müssten? Wenn das wissen einer langjährigen MitarbeiterIn nicht verloren gehen würde, wenn sie die Praxis verlässt oder in Elternzeit geht? Heute erzähle ich Dir, wie es bei mir angefangen hat und beschreibe wie wir es heute machen. Du erhälst einfache und sofort umsetzbare Tipps für Deine Dokumentation der Arbeitsabläufe, für das Bereitstellen von Verbesserungsvorschlägen und die Entscheidung ob etwas neues umgesetzt wird.

Medicare is a great health-care program for its participants. Most Medicare beneficiaries prefer its coverage to what they might get under Medicaid. But what about people who can't afford the premiums for Medicare Part B (and Part D), the co-payments and the deductibles. For them, QMB and SLMB and QI might offer help. But what are those programs, and how do they actually work? We've written about the Medicaid-based programs to subsidize Medicare costs in the past. The eligibility numbers change each year, but the program descriptions are still accurate. In this podcast we discuss some of the issues, and the interrelationship between Medicare, AHCCCS (Arizona's Medicaid program), and QMB (and SLMB and QI).

Did you know that people are turning 65 at a rate of 10,000 people per day and that number isn’t expected to decrease for a few years?  That’s a lot of people turning 65. A lot of the people who have had Great accomplishments throughout their lives Their stories might not have been told and if they have been, they might not be remembered. Welcome to seniors we love, a podcast designed to honor the people who have made a difference in our lives. Who might not have gotten the recognition they deserved any other way.  It’s where we share stories of people who have made a difference  Mixed in we talk about some of the difficulties they’ve experienced and some of the joys of their adventures. Trailblazers in their own subtle way. I hope throughout this podcast to share those stories of people who really made a difference and mixed in between some of the stories will probably be some of the difficulties of the senior life that people experience  My name is Debbie DeChambeau and I am the host of this podcast and in 2019, I am also a caregiver. I didn’t plan to be a caregiver. I didn’t go looking for it.  People tell me they don’t know how I do what I do. It’s something I have heard all of my life. Honestly, I just do what I think needs to be done and I keep moving forward. I’m a survivor. I don’t think twice about it. I focus on having a positive attitude  and I think in many ways that’s what keeps me going In many ways I might have set myself up for it because I am so caring. I’m not afraid to jump in and try to figure it out. And I’m not that good at saying NO.  My sister passed away in November, 1999. She was 34 and left behind 4 children. A year after her death, her husband was floundering so I was asked to care for her two youngest children for awhile. I went from two kids to four overnight. I figured it out. I was raising 4 children for over a year. What a challenging time that was in my life. I wouldn’t trade it for anything. I managed the care for my biological father during the last year of his life. You see he ended up in the hospital once a month and would be there for a week at a time. It was an hour away, but I drove there every day, met with the doctors, coordinated the care then came home to take care of the 4 kids. He would misbehave in the middle of the night and they would call me to come and sit with him because they didn’t have anyone else. While caring for him was different than the caring I’ve done for others, his taught me a lot that has helped me over the past 10 years. I also have a step father. Actually if you want to learn a little more about me outside of this podcast episode, go to episode 1 of Divorce Exposed, another podcast I host and you’ll get a lot of my backstory.  I digress.  When my step father passed away, he had a brother that he looked after every month. This was my Uncle Merrill. On the way to the funeral, I learned how much my dad was helping his brother. I said to my uncle, if you ever need any help, let me know, I live in a big house and I’m happy to help. It was my way of letting my dad know how much I was part of his family. Another story for another podcast. Little did I know that within 6 months he would be living with me. He was with me for almost 10 years. I was his caregiver and I’ll talk more about him in another episode. My mom and I have had an interesting relationship over the years. For the first 30ish, she was an alcoholic. Once she was in recovery, we made up for all of the lost years. I always told her there was a room for her in my home when she needed it and that I would never put her in a nursing home. I don’t believe in that.  3 years ago, my mom moved in with me. It was a short visit because she had fallen off the wagon and it was like reliving my teenage years. Fast forward 3 years and she is again in recovery but she’s also very sick and currently in hospice. I’m her caregiver. It’s so much more than I ever imagined. I’m good at providing medicine, doing laundry and keeping people doing the right thing. I’m not so good at some of the other duties of a caregiver. I really don’t like changing the porta potty or cleaning the wounds. With my sisters children, I had a husband who helped and I was 20 years younger! With my uncle, he did almost everything for himself, or at least tried to.  My mom is a primadonna. She wants everything done for her. That might be because she currently weighs 79 lbs. And  is also a fall risk so she can’t do much. But she doesn’t make it easy. Living with my mom for the first time in 30 years has been quite an adjustment. I’ve learned so many things about her that I was never aware of. Or maybe I just forgot or didn’t see them because of the alcoholism.  There’s a reason we didn’t get along when I was a teenager, but I don’t think I was the issue! (wink wink) Because of the caregiving I’m doing for my mom, I decided to create this podcast. I’ve learned so much about her and I think it needs to be shared. Not in a negative way, but in a way that inspires others.  I want to showcase how amazing people are. The little things that make a difference that don't always get talked about. I’m also an insurance agent. I started working for my step dad when I was 15. After my sister passed, I stepped away from the industry for awhile. I kept my license and did my required continuing education credits each year. I’m a certified insurance counselor, so I’ve taken a lot of classes. I kept my insurance license because I didn’t know what the future would hold.  While caring for my mom and trying to figure out her medicare benefits, I was so  overwhelmed. I figure if I’m having trouble with this stuff, how can seniors and other caregivers figure it out. I’m an insurance agent and I’m struggling. I realized why I kept my insurance license all these years. I’m now back in the insurance business as a medicare agent. I’m a resource for anyone eligible for medicare, helping them navigate the confusing waters. It’s a world filled with acronyms. Mops, QMB’s DSNPs to SEP’s. And the list goes on for the acronyms! I started my own insurance agency called Lynn Michel Insurance. Lynn is my middle name, Michel is my youngest son's middle name. He hates that name so I’m hoping to showcase how beautiful it is! I’m also hoping he’ll decide to join me in the business one day. If nothing else, It’s a lot shorter than DeChambeau!  So if you know a senior that needs a review of their medicare insurance, I’d love to be the person you talk to. Technically, I’ve been an insurance agent for the past 40 years, and at the time of this recording I’m almost a year in the medicare space. Being new is a good thing. I’ll be thorough, do the research and provide you with the options that you are looking for. Everything is fresh because of all the studying I’ve been doing. While everything is highly regulated by CMS (centers for Medicare and Medicaid services) and I mean highly regulated, I’ve also completed the certifications for Part C and Part D. Talk about complicated. So if you need someone to talk to about medicare, go to LYNNMICHEL.com or call me at 301-996-2328.  As a caregiver and as an insurance agent, I understand this complicated world of looking out for the Seniors We Love. I’m super excited to share these stories with you. I hope they motivate and inspire and provide talking points for your family as we remember the seniors we love.  If you have someone you want me to talk about, please reach out to me at seniorswelove@gmail.com  Seniors we love is my 4th podcast. If you want to listen to my other podcasts they are titled Divorce Exposed, Business In Real Life, The Business of Insurance and I hope to release Single and Over Sixty soon. I’ll link to them in the show notes which you can find at seniorswelove.com

Today’s topic is the Medicare Savings Program. It can help you pay part of your Medicare premiums. It’s based on certain criteria of your income and resources.   2016 Medicare Savings Programs:   Resources include stock, bonds, 401K, IRA.   It does not include your home, 1 vehicle and other personal items.     4 Levels of Coverage:   QDWI Plan: (Qualified, Disabled, and Working Individual) Monthly income limit - $4045 (Married $5425)  Resource limit - $4000 (Married $6000)       QI Plan: (Qualifying Individual)   Monthly income limit: $1357 (Married $1823) Resource limit: $7280 (Married $10,930) Pays Part B Premium - $104.90 New to Medicare - $121.80     Specified Low Income Medicare Beneficiary Program (SLIM-B)   Monthly income limit: $1208 (Married $1622) Resource limit: $7280 (Married $10,930) Pays Part B Premium - $104.90 New to Medicare - $121.80     Qualified Medicare beneficiary (QMB)   Pays Part A, Part B Premium, Deductibles, Co-pays Monthly income limit: $1010 (Married $1355) Resources limit: $7280 (Married $10,930)     How to Apply:   Go online to www.ssa.gov. Click “Benefits”, then “Extra Help for RX Drugs”, look on right side for “Application”. Go to the Social Security office (find locations on ssa.gov) to apply Go through your state Medicaid Program - Google “medicare” and your state   It may take 4-6 weeks for them to send you an acceptance/rejection letter.  You have to re-qualify annually.   Questions?    Call SSA at 800-772-1212 Email me: support@themedicarenation.com Call me: 855-855-7266   Do you have questions or feedback? I’d love to hear it! I may answer one of your questions on the air! email me: support@themedicarenation.com Thank you for listening! If you enjoyed this podcast, please subscribe and leave a 5 star rating and review in iTunes! (Click here)     Find out more information about Medicare on Diane Daniel’s website! www.CallSamm.com  

Richard Quest is CNN's foremost international business correspondent and presenter of Quest Means Business; the definitive word on how we earn and spend our money. Based in New York, he is one of the most instantly recognizable members of the CNN team. Quest Means Business, which airs weekdays at 1600ET/2200CET on CNN International, destroys the myth that business is boring, bridging the gap between hard economics and entertaining television. CEOs and global finance ministers make a point of appearing on QMB. Guests of the show have included world leaders such as David Cameron and Petr Necas of the Czech Republic; the biggest names in banking such as Jamie Dimon of JP Morgan Chase and Robert Zoellick, the former President of the World Bank; European policy makers including IMF boss Christine Lagarde, EC President Jose Manuel Barroso, and former IMF chief Dominique Strauss-Kahn; and some of the most influential names in corporate America including DreamWorks CEO Jeffrey Katzenberg and Ford CEO Alan Mulally. Quest's dynamic and distinctive style has made him a unique figure in the field of business broadcasting. He has regularly reported from G20 meetings and attends the World Economic Forum in Davos, Switzerland each year. Quest has covered every major stock market and financial crisis since Black Monday in 1987 and has reported from key financial centers globally including Wall Street, London, Sao Paolo, Tokyo and Hong Kong. In addition, Quest is the established airline and aviation correspondent at CNN. He currently presents the monthly CNN Business Traveller show, the definitive authority on making the most of doing business on the road - moving from A to B on company time. As a business travel specialist, Quest has become a voice of authority on subjects like the launch of the Airbus A380. In 2012 Quest covered the US Election campaign with his own series, American Quest, in which he travelled across the country interviewing a diverse range of voters. Quest is also the face of CNN's coverage of major UK events. In 2012 he guided an international audience through the Queen's Diamond Jubilee celebrations live from the banks of the River Thames and used his expert knowledge of the British Royal Family to front the channel's coverage of the 2011 marriage of Prince William and Kate Middleton, now the Duke and Duchess of Cambridge. His coverage of breaking news, which has spanned two decades, has seen him report on a range of stories from, the death of Yasser Arafat, the Lockerbie Pan Am 103 crash to the death of Michael Jackson. Quest is more than just business; there are few journalists who have had guests as varied, from His Holiness, The Dalai Lama to actress Joan Collins to founder of Playboy Magazine, Hugh Hefner. Prior to joining CNN he worked at the BBC, where he was the North America business correspondent, based on Wall Street for 12 years. Quest is British, holds an LLB (Hons) degree in Law from Leeds University, and was called to the Bar.