Silver Bow Kiwanis

Silver Bow Kiwanis Kiwanis Club Meeting, Jan 28, '14

12:00-1:00 Tuesday, January 28, 2014

Larger map and driving directions

Butte Perkins
2900 Harrison Ave.
Butte, MT 59701

Today we were joined by Al Anderson who recently relocated from MN to Butte and is looking for a service group. Brandi also brought her co-worker Shannon as a guest. Adrianna and David from the Circle K also joined us.

Key Club is meeting this week in the Butte Central High Library at noon on Thursday. The Circle K is meeting at 6:20 Thursday in the basement of the SUB on campus.

Adrianna also let us know about the Sunrise coupon books. She is taking names for people interested in purchasing one (or more). The books are $15 and have over $200 in savings if you use all the coupons!

Betsy let us know that Sunrise Kiwanis has contacted her and is asking what our plans are for Kiwanis One Day coming up in April. Please get your ideas to Betsy or to the board.

Dave then introduced our speaker for the day, Michal Holmes. Michal is the outreach coordinator for the Affordable Care Act from St. James Healthcare here in Butte.

Michal started by helping us understand what Health Insurance is and clarifying some terms. Health insurance is a contract between you and an insurance company that obligates the insurance company to pay part of your health care costs when needed in exchange for monthly premium payments from you. Health insurance isn't really for routine doctor's visits or general checkups, but is intended more for helping with the high costs of catastrophic events or ongoing care.

Some of the terms she helped us with are co-insurance, which is what you owe after the insurance pays their portion. Premiums, which are the monthly payments you make to the insurance company. Co-Pay is the portion of the bill you have to pay up-front when you receive services. Maximum out-of-pocket is the most you can be made to pay after the insurance company has made their payments. There are both lifetime and annual maximum out-of-pocket limits. The average cost of a three day hospital stay is $30,000, health insurance can keep you from getting stuck with a massive bill you can't pay. Health insurance can also help improve the health of your family.

In addition, the Affordable Care Act now requires that minimum essential services be covered. These include ambulatory patient services, prescription drugs, emergency care, mental health services, hospitalization, rehabilitative and habilitative services, preventative and wellness services, laboratory services, pediatric care, and maternity and newborn care.

Michal Holmes, Affordable Care Act
Ham and Cheese Omlet
Event Updated
4:07 Wednesday, January 29, 2014