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  • 18% (19.6% APR)

    Manchester Credit Union currently offers a standard variable rate loan from 1 to 24 months

  • 8.2% (8.5% APR)

    Manchester Credit Union currently offers a standard variable rate loan from 1 to 24 months

  • 18% (19.6% APR)

    Manchester Credit Union currently offers a standard variable rate loan from 1 to 24 months

  • 8.2% (8.5% APR)

    Manchester Credit Union currently offers a standard variable rate loan from 1 to 24 months


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MCU has now launched a new Gold Saver account to encourage longer term savers.

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Mar 14, 2018

Whether you like it or not, the era of value-based contracts is upon us.

While the majority of health care is still fee-for-service based, there is an emergence of value-based care touching every cornerstone of the industry. Major private payers, such as Anthem Blue Cross, reportedly paid out nearly 60 percent of reimbursements in 2017 through value-based contracts. Other major payers are moving in the same direction, including the one that sets the tone for the rest: the Centers for Medicare and Medicaid Services (CMS).

CMS not only has an ambitious goal of 50 percent of payments through value-based contracts by 2018, but it's administering the Quality Payment Program (better known through the acronym that passed it into existence — MACRA). QPP incentivizes reimbursement based on outcomes through either its Merit-based Incentive Payment System (MIPS) or the Advanced Alternative Payment Method (APM) pathways. By early next decade, a practice's Medicare payment will either get boosted or dinged, up to 9 percent in MACRA, partly based on outcomes and other value-based metrics.

Experts say the program also gives practices a good indication of how value-based programs will be set up, as CMS typically influences other payers. "I think MACRA has done a good job establishing a framework for these [value-based] contracts. Many of the ACOs and payers are modeling the fundamental level of the value-based contracts on the MACRA structure," says Winsor, Conn.-based David Williams, consultant at Milliman, an independent actuarial and consulting firm.

Practices seeking to avoid value altogether will be left disappointed. Experts say it's time to shift their thinking and start tackling value-based contracts head on, by negotiating more favorable terms for their practice.

"As practices think about this transformation, it's critical they a) understand the population they serve; and b) the relationships with they have with payers. They need to start having new conversations about if they are going to take on more care for wellness and prevention and things that keep people away from the health care delivery system," says Austin, N.M-based Tamm Kritzer, principal at CliftonLarsonAllen LLP, a consulting firm.

Experts say there are three specific strategies practices can employ in the transition to value-based contract negotiation as a good starting point.

Strategy 1: Data is Your Friend

Among experts there is a universal agreement: The shift to value is predicated on showing payers that practices are collecting and analyzing data. As Williams says, it's hard to measure success without data. In fact, Milliman's three pillars of a successful value-based contracting strategy (transparency, stability, and control) involve substantial data gathering. Because payers have their own information to gauge and negotiate a value-based contract, practices need to ensure they are tracking the right metrics.

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Preparing your practice for MACRA
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9. Practice, practice, practice

Read through your proposal several times and make sure everything makes sense and that there are NO typos, spelling errors, or grammatical errors. Your proposal should evolve during the planning stage. In fact, your finished proposal might look a lot different to when you first started. If there are concepts that could potentially confuse a client, take them out. You’ll also want to make sure you have all the correct information in your proposal , including up-to-date contact details and the names of key players in your business who are looking to invest. You also might want to personalize your proposal by addressing any potential clients by their names.

10. Create a list of assumptions

According to an article in Inc, you should create a list of assumptions for your business proposal. For example, explain to clients what could potentially happen if your brand had a good year and what might happen if you had a bad one. Outlining various scenarios will prove that you have planned for every outcome and your clients might be more willing to invest as a result. Think about product lines that are likely to grow and what you will do if you lose customers. Your clients will want to ensure that you have prepared for every eventuality and creating a list of assumptions can help you prepare for the future effectively.

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Welcome to my official Senate website! This will be your tool for news about what I am doing in Springfield, important information regarding the 40th District and events taking place in and around our community.

It is important to me to have a resource available to my constituents with content necessary to keep you informed as well as a place to have your voice heard. Please continue to visit this site as it grows and see how I am working for you.


Senator Toi W. Hutchinson40th District

Hutchinson supports balanced budget that increases education funding (VIDEO)

SPRINGFIELD – State Senator Toi Hutchinson (D-Chicago Heights) voted in favor of a balanced, bipartisan budget this evening that invests more state funding in education while opposing proposed cuts by Gov. Bruce Rauner to a host of after school programs and services.


“Our state budget is a moral document,” Hutchinson said. “Our priorities are shown by where we choose to invest. The spending plan we developed and passed invests in our children, our students and individuals with disabilities while making commonsense cuts to non-essential services to ensure we are living within our means.”

The budget plan, contained in House Bill 109 and House Bill 3342, includes $350 million more in education funding with an additional $50 million investment in early childhood education. Higher education institutions, which have borne the brunt of Illinois’ budget impasse over the last few years, receive $25 million in additional state funding.

Read more ...

Hutchinson passes Industrial Hemp Act, legislation heads to governor

SPRINGFIELD – Illinois would join a growing list of states allowing for the cultivation of industrial hemp under a plan passed this afternoon by State Senator Toi Hutchinson (D – Chicago Heights).

“Illinois has some of the best farmland in the Midwest,” Hutchinson said. “And with more than 80 percent of our land use tied to agriculture, farmers would finally have the chance to grow and produce a product that is already available in our stores.”

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