community health business plan

Share This Training

Business planning for public health programs, new users to register, enroll, &/or complete a pre-test before starting training.">time to start.

Don't have an account? Create one to unlock the bookmarking feature and other tools to personalize your learning experience.

 This text-based resource helps you understand the basics of business planning and determine if writing a business plan is appropriate for your public health program. Business Planning for Public Health Programs is the first in a two-part series on public health business plans. The second part is titled  Feasibility Planning for Public Health Business Plans .

This learning opportunity topic is aligned with one or more of the strategic skills. This learning opportunity addresses training topics identified in PHWINS 2017.

What You'll Learn

• Describe the parts of a business plan
• Explain how business planning can be helpful for a public health agency or non-profit organization
• Describe the function of business planning
• Identify when it is appropriate to do a business plan

Related Occupations

Related training, feasibility planning for public health business plans, coaching skills, public health financial management, economic evaluation, key aspects of financial management.

Healthcare Business Plan Template

Written by Dave Lavinsky

Healthcare Business Plan

You’ve come to the right place to create your Healthcare business plan.

We have helped over 10,000 entrepreneurs and business owners create business plans and many have used them to start or grow their Healthcare companies.

Below is a template to help you create each section of your Healthcare business plan.

Executive Summary

Business overview.

Riverside Medical is a family medical clinic located in San Francisco, California. Our goal is to provide easy access to quality healthcare, especially for members of the community who have low to moderate incomes. Our clinic provides a wide range of general and preventative healthcare services, including check-ups, minor surgeries, and gynecology. Anyone of any age or group is welcome to visit our clinic to get the healthcare that they need.

Our medical practitioners and supporting staff are well-trained and have a passion for helping improve the health and well-being of our clients. We serve our patients not just with our knowledge and skills but also with our hearts. Our clinic was founded by Samantha Parker, who has been a licensed doctor for nearly 20 years. Her experience and compassion will guide us throughout our mission.

Product Offering

Riverside Medical will provide extensive general care for all ages, creating a complete healthcare solution. Some of the services included in our care include the following:

• Primary care: annual checkups, preventative screenings, health counseling, diagnosis and treatment of common conditions
• Gynecology: PAP tests, annual well-woman exam, and family planning
• Pediatrics: infant care, annual physicals, and immunizations
• Minor procedures: stitches, casts/splints, skin biopsies, cyst removals, and growth lacerations
• Health and wellness: weight loss strategies, nutrition guidance, hormone balance, and preventive and routine services

The costs will depend upon the materials used, the physician’s time, and the amount designated for each procedure. Medical bills will be billed either directly to the patient or to their insurance provider.

Customer Focus

Riverside Medical will primarily serve the community living and working within the San Francisco bay area. The city is diverse and growing and includes people of all ages, ethnicities, and backgrounds. Everyone is welcome to visit our clinic to receive the health care they need.

Management Team

Riverside Medical’s most valuable asset is the expertise and experience of its founder, Samantha Parker. Samantha has been a licensed family doctor for 20 years now. She spent the most recent portion of her career on medical mission trips, where she learned that many people are not privileged to have access to quality medical services. Samantha will be responsible for ensuring the general health of her patients and creating a viable and profitable business medical practice.

Riverside Medical will also employ nurses, expert medical staff, and administrative assistants that also have a passion for healthcare.

Success Factors

Riverside Medical will be able to achieve success by offering the following competitive advantages:

• Location: Riverside Medical’s location is near the center of town. It’s visible from the street with many people walking to and from work on a daily basis, giving them a direct look at our clinic, most of which are part of our target market.
• Patient-oriented service: Riverside Medical will have a staff that prioritizes the needs of the patients and educates them on the proper way how to take care of themselves.
• Management: Samantha Parker has a genuine passion for helping the community, and because of her previous experience, she is fully equipped and overqualified to open this practice. Her unique qualifications will serve customers in a much more sophisticated manner than our competitors.
• Relationships: Having lived in the community for 25 years, Samantha Parker knows many of the local leaders, newspapers, and other influences. Furthermore, she will be able to draw from her ties to previous patients from her work at other clinics to establish a starting clientele.

Financial Highlights

Riverside Medical is seeking a total funding of $800,000 of debt capital to open its clinic. The capital will be used for funding capital expenditures and location build-out, acquiring basic medical supplies and equipment, hiring initial employees, marketing expenses, and working capital.

Specifically, these funds will be used as follows:

• Clinic design/build: $100,000
• Medical supplies and equipment: $150,000
• Six months of overhead expenses (rent, salaries, utilities): $450,000
• Marketing: $50,000
• Working capital: $50,000

The following graph below outlines the pro forma financial projections for Riverside Medical.

Company Overview

Who is riverside medical, riverside medical history.

Samantha Parker started the clinic with the goal of providing easy access to good quality health service, especially to those members of the community with low to moderate income. After years of planning, she finally started to build Riverside Medical in 2022. She gathered a group of professionals to fund the project and was able to incorporate and register Riverside Medical with their funding support.

Since its incorporation, Riverside Medical has achieved the following milestones:

• Found clinic space and signed Letter of Intent to lease it
• Developed the company’s name, logo, and website
• Hired a contractor for the office build-out
• Determined equipment and fixture requirements
• Began recruiting key employees with previous healthcare experience
• Drafted marketing campaigns to promote the clinic

Riverside Medical Services

Industry analysis.

The global healthcare market is one of the largest and highest-valued industries in the world. According to Global Newswire, the global healthcare services market is currently valued at $7548.52 billion and is expected to reach $10414.36 billion in 2026. This growth is expected to continue for the foreseeable future.

The biggest drivers of industry growth throughout the next decade will be a continual increase in illnesses and diseases as well as a quickly aging population. With more people aging and needing daily/frequent care, hospitals and medical clinics are bound to be in even more demand than they already are.

One obstacle for the industry is the rising cost of care. Though this results in greater profits, more and more Americans cannot afford basic medical care. Therefore, they are opting out of procedures they believe are unnecessary or unimportant.

Despite the challenges of the next decade, the industry is still expected to see substantial growth and expansion.

Customer Analysis

Demographic profile of target market.

Riverside Medical will serve the residents of the San Francisco bay area as well as those who work in the area.

The population of the area experiences a large income gap between the highest earners and the lowest earners. Therefore, it is hard for middle and lower-class families to find quality care that is affordable. As a result, they are in need of the services that we offer and are looking for accessible medical care.

The precise demographics of San Francisco are as follows:

Customer Segmentation

Our clinic is a general family practice and will treat patients of all ages, incomes, physical abilities, races, and ethnicities. As such, there is no need to create marketing materials targeted at only one or two of these groups, but we can appeal to all with a similar message.

Competitive Analysis

Direct and indirect competitors.

Riverside Medical will face competition from other companies with similar business profiles. A description of each competitor company is below.

City Medical

Founded in 2008, City Medical is a membership-based, primary-care practice in the heart of the city. City Medical offers a wide range of primary care services for patients who subscribe to the practice for an annual fee. Patients enjoy personalized care, including office visits, as well as the diagnosis and treatment of common health problems. The patient membership fee covers the services listed below, and most care is received in-office. However, some additional services, such as lab testing and vaccinations, are billed separately. Furthermore, though the annual fee is convenient for some, it is too high for many families, so many are priced out of care at this facility.

Bay Doctors

Bay Doctors is a primary care practice that provides highly personalized medical care in the office or patients’ homes. Bay Doctors includes a team of dedicated healthcare professionals with dual residency in Emergency Medicine and Internal Medicine. The practice offers same-day/next-day appointments, telemedicine, office visits, and home visits. Some of the medical care services they provide are primary care, urgent care, emergency care, gynecology, pediatrics, and minor procedures.

Community Care

Established in 1949, Community Care is a non-profit regional healthcare provider serving the city and surrounding suburbs. This facility offers a wide variety of medical services, including 24-hour emergency care, telemedicine, primary care, and more. In addition to their medical care, they have a wide variety of fundraising activities to raise money to operate the hospital and help families cover the costs of their care.

Competitive Advantage

Riverside Medical enjoys several advantages over its competitors. These advantages include:

Marketing Plan

Brand & value proposition.

The Riverside Medical brand will focus on the company’s unique value proposition:

• Client-focused healthcare services, where the company’s interests are aligned with the customer
• Service built on long-term relationships
• Big-hospital expertise in a small-clinic environment

Promotions Strategy

The promotions strategy for Riverside Medical is as follows:

Riverside Medical understands that the best promotion comes from satisfied customers. The company will encourage its patients to refer their friends and family by providing healthcare benefits for every new client produced. This strategy will increase in effectiveness after the business has already been established.

Direct Mail

The company will use a direct mail campaign to promote its brand and draw clients, as well. The campaign will blanket specific neighborhoods with simple, effective mail advertisements that highlight the credentials and credibility of Riverside Medical.

Website/SEO

Riverside Medical will invest heavily in developing a professional website that displays all of the clinic’s services and procedures. The website will also provide information about each doctor and medical staff member. The clinic will also invest heavily in SEO so the brand’s website will appear at the top of search engine results.

Social Media

Riverside Medical will invest heavily in a social media advertising campaign. The marketing manager will create the company’s social media accounts and invest in ads on all social media platforms. It will use targeted marketing to appeal to the target demographics.

Riverside Medical’s pricing will be lower than big hospitals. Over time, client testimonials will help to maintain our client base and attract new patients. Furthermore, we will be able to provide discounts and incentives for lower-income families by connecting with foundations and charities from people who are interested in helping.

Operations Plan

The following will be the operations plan for Riverside Medical.

Operation Functions:

• Samantha Parker is the founder of Riverside Medical and will operate as the sole doctor until she increases her patient list and hires more medical staff. As the clinic grows, she will operate as the CEO and take charge of all the operations and executive aspects of the business.
• Samantha is assisted by Elizabeth O’Reilly. Elizabeth has experience working as a receptionist at a fast-paced hospital and will act as the receptionist/administrative assistant for the clinic. She will be in charge of the administrative and marketing aspects of the business.
• Samantha is in the process of hiring doctors, nurses, and other medical staff to help with her growing patient list.

Milestones:

The following are a series of path steps that will lead to the vision of long-term success. Riverside Medical expects to achieve the following milestones in the following twelve months:

3/202X            Finalize lease agreement

5/202X            Design and build out Riverside Medical location

7/202X            Hire and train initial staff

9/202X            Kickoff of promotional campaign

11/202X          Reach break-even

1/202X            Reach 1000 patients

Financial Plan

Key revenue & costs.

Riverside Medical’s revenues will come primarily from medical services rendered. The clinic will either bill the patients directly or their insurance providers.

The major cost drivers for the clinic will include labor expenses, lease costs, equipment purchasing and upkeep, and ongoing marketing costs.

Funding Requirements and Use of Funds

Key assumptions.

Below are the key assumptions required to achieve the revenue and cost numbers in the financials and to pay off the startup business loan.

• Year 1: 120
• Year 2: 150
• Year 3: 200
• Year 4: 275
• Year 5: 400
• Annual lease: $50,000

Financial Projections

Income statement, balance sheet, cash flow statement, healthcare business plan faqs, what is a healthcare business plan.

A healthcare business plan is a plan to start and/or grow your healthcare business. Among other things, it outlines your business concept, identifies your target customers, presents your marketing plan and details your financial projections.

You can easily complete your Healthcare business plan using our Healthcare Business Plan Template here .

What are the Main Types of Healthcare Businesses?

There are a number of different kinds of healthcare businesses , some examples include: Nursing care, Physical home health care, or Home health care aides:

How Do You Get Funding for Your Healthcare Business Plan?

Healthcare businesses are often funded through small business loans. Personal savings, credit card financing and angel investors are also popular forms of funding.

What are the Steps To Start a Healthcare Business?

Starting a healthcare business can be an exciting endeavor. Having a clear roadmap of the steps to start a business will help you stay focused on your goals and get started faster.

1. Develop A Healthcare Business Plan - The first step in starting a business is to create a detailed healthcare business plan that outlines all aspects of the venture. This should include potential market size and target customers, the services or products you will offer, pricing strategies and a detailed financial forecast. 

2. Choose Your Legal Structure - It's important to select an appropriate legal entity for your healthcare business. This could be a limited liability company (LLC), corporation, partnership, or sole proprietorship. Each type has its own benefits and drawbacks so it’s important to do research and choose wisely so that your healthcare business is in compliance with local laws.

3. Register Your Healthcare Business - Once you have chosen a legal structure, the next step is to register your healthcare business with the government or state where you’re operating from. This includes obtaining licenses and permits as required by federal, state, and local laws.

4. Identify Financing Options - It’s likely that you’ll need some capital to start your healthcare business, so take some time to identify what financing options are available such as bank loans, investor funding, grants, or crowdfunding platforms.

5. Choose a Location - Whether you plan on operating out of a physical location or not, you should always have an idea of where you’ll be based should it become necessary in the future as well as what kind of space would be suitable for your operations.

6. Hire Employees - There are several ways to find qualified employees including job boards like LinkedIn or Indeed as well as hiring agencies if needed – depending on what type of employees you need it might also be more effective to reach out directly through networking events.

7. Acquire Necessary Healthcare Equipment & Supplies - In order to start your healthcare business, you'll need to purchase all of the necessary equipment and supplies to run a successful operation. 

8. Market & Promote Your Business - Once you have all the necessary pieces in place, it’s time to start promoting and marketing your healthcare business. This includes creating a website, utilizing social media platforms like Facebook or Twitter, and having an effective Search Engine Optimization (SEO) strategy. You should also consider traditional marketing techniques such as radio or print advertising.

Other Helpful Business Plan Templates

Nonprofit Business Plan Template Non-Emergency Medical Transportation Business Plan Template Medical Practice Business Plan Template Home Health Care Business Plan Template

Community Health Assessments & Health Improvement Plans

What is a community health assessment, what is a community health improvement plan, why complete an assessment and improvement plan.

A community health assessment (sometimes called a CHA), also known as community health needs assessment (sometimes called a CHNA), refers to a state, tribal, local, or territorial health assessment that identifies key health needs and issues through systematic, comprehensive data collection and analysis. Community health assessments use such principles as

• Multisector collaborations that support shared ownership of all phases of community health improvement, including assessment, planning, investment, implementation, and evaluation
• Proactive, broad, and diverse community engagement to improve results
• A definition of community that encompasses both a significant enough area to allow for population-wide interventions and measurable results, and includes a targeted focus to address disparities among subpopulations
• Maximum transparency to improve community engagement and accountability
• Use of evidence-based interventions and encouragement of innovative practices with thorough evaluation
• Evaluation to inform a continuous improvement process
• Use of the highest quality data pooled from, and shared among, diverse public and private sources

From Principles to Consider for the Implementation of a Community Health Needs Assessment Process [PDF – 457KB] (June 2013), Sara Rosenbaum, JD, The George Washington University School of Public Health and Health Services, Department of Health Policy.

The Public Health Accreditation board defines community health assessment as a systematic examination of the health status indicators for a given population that is used to identify key problems and assets in a community. The ultimate goal of a community health assessment is to develop strategies to address the community’s health needs and identified issues. A variety of tools and processes may be used to conduct a community health assessment; the essential ingredients are community engagement and collaborative participation. — Turnock B. Public Health: What It Is and How It Works. Jones and Bartlett, 2009, as adapted in Public Health Accreditation Board Acronyms and Glossary of Terms Version 1.0 [PDF – 536KB] , July 2011.

The Catholic Health Association defines a community health needs assessment as a systematic process involving the community to identify and analyze community health needs and assets in order to prioritize these needs, and to plan and act upon unmet community health needs.” —Catholic Health Association, Guide to Assessing and Addressing Community Health Needs [PDF-1.5MB] , June 2013.

A community health improvement plan (or CHIP) is a long-term, systematic effort to address public health problems based on the results of community health assessment activities and the community health improvement process. A plan is typically updated every three to five years.

The Public Health Accreditation Board defines a community health improvement plan as a long-term, systematic effort to address public health problems on the basis of the results of community health assessment activities and the community health improvement process. This plan is used by health and other governmental education and human service agencies, in collaboration with community partners, to set priorities and coordinate and target resources. A community health improvement plan is critical for developing policies and defining actions to target efforts that promote health. It should define the vision for the health of the community through a collaborative process and should address the gamut of strengths, weaknesses, challenges, and opportunities that exist in the community to improve the health status of that community. — Public Health Accreditation Board Acronyms and Glossary of Terms Version 1.0 [PDF – 536KB] , July 2011, as adapted from Healthy People 2010 and CDC’s National Public Health Performance Standards Program .

A community health assessment gives organizations comprehensive information about the community’s current health status, needs, and issues. This information can help develop a community health improvement plan by justifying how and where resources should be allocated to best meet community needs.

Benefits include

• Improved organizational and community coordination and collaboration
• Increased knowledge about public health and the interconnectedness of activities
• Strengthened partnerships within state and local public health systems
• Identified strengths and weaknesses to address in quality improvement efforts
• Baselines on performance to use in preparing for accreditation
• Benchmarks for public health practice improvements

Links to nonfederal materials are provided as a public service and do not constitute an endorsement of the materials by CDC or the federal government, and none should be inferred. CDC is not responsible for the content of materials not generated by CDC.

To receive email updates about this page, enter your email address:

Related Links

Exit notification / disclaimer policy.

• The Centers for Disease Control and Prevention (CDC) cannot attest to the accuracy of a non-federal website.
• Linking to a non-federal website does not constitute an endorsement by CDC or any of its employees of the sponsors or the information and products presented on the website.
• You will be subject to the destination website's privacy policy when you follow the link.
• CDC is not responsible for Section 508 compliance (accessibility) on other federal or private website.

A Decrease font size. A Reset font size. A Increase font size.

Home › Member Center › Member Resources › Your Plan and Coverage

Your Plan and Coverage

Community Health Plan of Washington (CHPW) offers a rich plan with a wide range of benefits. Select a category below to learn more about your CHPW coverage.

CHPW covers services that include checkups, immunizations, lab services, OB-GYN, family planning, hospital services, specialty care, and much more. Learn more about medical coverage

CHPW members receive dental coverage for kids and adults. Learn more about dental coverage

Your eye exams are covered, and glasses or contacts for members under age 21 are too. Adults can get glasses through our Free Eyeglasses benefit. Learn more about vision coverage

Prescription Drugs

As a CHPW member, you get access to a large network of pharmacies. Many types of prescriptions are covered. Learn more about prescription drug coverage

Acupuncture, Chiropractic, & Massage

CHPW members qualify for these less-invasive, non-addictive services to treat pain and stress. Learn more about alternative treatments

Behavioral Health & Mental Health

Your CHPW behavioral health coverage includes help for substance use disorder (addiction), mental health conditions like anxiety and depression, and more. Learn more about behavioral health services

Health Management

We’ll work with you to set and meet health goals, arrange appointments, connect you with local resources, and manage complex health conditions. Learn more about our health management approach

Get Amazon gift cards for checkups, free sports physicals for kids, 24/7 free medical advice, and more. Benefits+ keep the whole family healthy and cost you $0. Learn about extra programs and benefits that cost you $0

Community Programs

Our knowledgeable team will work with you to help you find support for all aspects of your life, including things like employment and housing. Read about resources provided by Community Programs

Routine hearing exams are covered for CHPW members, as well as hearing aids and hearing aid repairs. Learn more about hearing coverage

Member Handbook

Did you know....

• CUSTOMER SERVICE
• 1-800-440-1561
• [email protected]

• NURSE ADVICE LINE
• (CHPW Members)
• 1-866-418-2920

• CASE MANAGEMENT TECHNICAL ASSISTANCE
• 1-866-418-7004

• 1111 Third Ave
• Seattle, WA 98101

• 8:00 a.m. to 5:00 p.m.
• Monday through Friday

QUICK LINKS

• Print Member Card
• myCHPW Portal
• Plan & Coverage
• Find a Doctor
• Behavioral Health Resources
• Apple Health (Medicaid)
• Medicare Advantage
• Dual Eligible (SNP)
• Individual & Family
• Plan Benefits
• Provider Portals
• Forms & Tools
• Bulletin Board
• Member Eligibility
• Behavioral Health
• HealthMAPS Portal

☏ HAVE QUESTIONS ?

Get real answers from real people

Phone: 1-800-440-1561 [email protected]

COMMUNITY CARES

Connecting you to the best health insurance for every stage of your life.

Community Cares

WE'VE MOVED

We’re thrilled to announce that Community Health Choice has officially moved to a brand-new office space located at 4888 Loop Central Dr, Suite 600.

MEDICAID & MEDICARE GOT BOTH?

You qualify for community health choice medicare advantage plan (HMO-D-SNP)

Renew your Coverage

Community offers lots of health plans, and you may be eligible for one of them!

PREGNANCY SUPPORT

Having a baby? Get the help you need!

Not sure which plan is right for you? We can help you decide.

Marketplace Plans

Community proudly offers individual health insurance in the new Health Insurance Marketplace.

With a range of plan options to fit any budget, and a network of doctors you can trust like Memorial Hermann, Community makes it easy to get the care you need and deserve.

Medicare D-SNP

Community’s (HMO D-SNP) plan offers additional benefits and services not covered under Original Medicare, such as dental, hearing aids, and vision. You keep all your Medicaid benefits. You get all of Original Medicare’s covered services.

You may be eligible if you have Medicare Parts A and B, qualify for Texas Medicaid QMB or QMB+ and live in our service area.

Texas CHIP Plan

Community participates in the Children’s Health Insurance Program (CHIP), including CHIP Perinatal (CHIP-P).

CHIP is a health insurance plan for children under the age of 19 and is designed for families who earn too much money to qualify for Texas Medicaid programs yet cannot afford to buy private insurance. CHIP-P provides prenatal care for the unborn children of low-income women who do not qualify for Medicaid.

Texas CHIP Member Handbook

Texas STAR (Medicaid) Plan

Community participates in the State of Texas Access Reform (STAR) Managed Care Program (Medicaid).

As a part of Medicaid, Community provides both Children’s Medicaid and Medicaid for pregnant women. These programs are at no cost to U.S. residents who cannot afford health insurance.

Texas STAR Member Handbook

• View Plan »
• Member Handbook »
• Member Handbook
• Am I Eligible?

General Information & Quick Links​

• CHIP Behavioral Health/Substance Abuse Services Crisis Hotline
• CHIP Prescription, Vision, and Dental Benefits
• Enrollment Brokers
• CHIP Pregnancy Assistance
• HHSC Notifications
• Medicaid/STAR Behavioral Health/Substance Abuse Services Crisis Hotline
• Medicaid/STAR Prescription, Vision, and Dental Benefits
• How to Submit a Complaint
• Medicaid/STAR Pregnancy Assistance

Why Choose Community?

As a local nonprofit health plan, Community Health Choice gives you plenty of reasons to join our Community. From the benefits and special programs we offer to the way our Member Services team helps you make the most of them, Community is always working life forward for you and your family.

“Community Health Choice is always there to answer my questions and help me and my family with our medical needs. I truly appreciate and value their customer support and service.” – Cecily Member of Community Health Choice

Medicaid Health Plan 04/01/2027

Marketplace Health Plan 03/01/2027

Copyright 2024 Community Health Choice. All Rights Reserved.

Coming Soon: Community will be offering STAR+PLUS; A Medicaid plan for Texans with disabilities or age 65+

wp_STAR+PLUS Website popups_0224

Hmm … it looks like your browser is out of date.

Let’s update your browser so you can enjoy a faster, more secure site experience.  

• Español (Spanish)
• 繁体中文 (Traditional Chinese)
• Kreyòl Ayisyen (Haitian Creole)
• Hmoob (Hmong)
• Ilocano (Ilocano)
• 한국어 (Korean)
• ကညီစှီၤ (S’Gaw Karen)
• Soomaali (Somali)
• Tagalog (Tagalog)
• Tiếng Việt (Vietnamese)

Main navigation

• Search Search
• For Members (Opens in a new tab)

Benefits you want, at little to no extra cost

Not all health insurance is created equal. That's why we're proud to offer low-cost or no-cost Medicaid plans and even more benefits with our Dual Special Needs plans. 1

Learn about our plans

Medicaid only

Medicaid provides health insurance for some low-income people, children, pregnant women, the elderly and people with disabilities. In some states, Medicaid covers all low-income adults below a certain income level.

If you're eligible for both Medicare and Medicaid, a Dual Special Needs plan (D-SNP) might be right for you. These plans are available in some states. With a D-SNP, you could get more benefits and features than with Original Medicare, all at no extra cost to you.

ACA Marketplace plans

If you buy your own health insurance for you and your family, the health care Marketplace is for you. The Marketplace is where ACA health plans are sold. We offer Individual & Family plans in 22 states.

Every child deserves to grow up healthy and happy. To help them get there, kids need regular checkups and medical care. If your infant, child or teen doesn't have health insurance, the Children's Health Insurance Program (CHIP) offers low-cost or no-cost coverage.

What type of plan am I eligible for?

Answer a few quick questions to see what type of plan may be a good fit for you.

Change your location

Video transcript.

You may have heard your Medicaid coverage will need to be renewed. And you may be wondering, what should I do? Here are three simple things you can do to make sure you're ready to renew your Medicaid coverage. Number one, check and update your contact information. You can contact your state's Medicaid office to make sure your contact information is up to date, including your current address, phone number, and e-mail address.

When it's time for you to renew your Medicaid coverage, your state's Medicaid office will contact you by mail, phone, text, or e-mail #2 Know your deadline to renew Medicaid coverage. Make sure you follow the renewal process by your state's deadline. Different states have different deadlines for Medicaid renewal. Number three, complete your forms, sign and return your renewal information as soon as possible.

Your state may require or give you the option to complete the forms online, so pay attention to your state's requirements. You may be asked about the number of family members who live with you, your expenses, proof of income, and other information. Be sure to complete the forms even if you have no changes to report, and send them in either online or by mail. If you need help, reach out to Medicaid navigators.

It can help you explore your options and get you set up with coverage that's right for you. To find a navigator near you, go to localhealth.healthcare.gov or your state's Medicaid website. Community organizations and providers may also be able to help guide you to helpful resources. Have questions? Call the number on the back of your insurance card, visit your state Medicaid website or visit medicaid.gov.

Know your Medicaid status and stay covered.

Medicaid eligibility renewal

If you've been asked to renew your Medicaid plan, you may have questions about what to do next. We're here to help you check your Medicaid status and explore other coverage options if you need a new plan.

What is Medicaid?

Medicaid is a way to get health care at a lower cost or sometimes at no cost to you. Medicaid typically covers children, pregnant women, elderly adults and people with disabilities and eligible low-income adults. Medicaid is managed by each state, so the eligibility requirements can change from state to state.

Medicaid benefits

The federal government requires states provide certain medical benefits to people who are eligible for Medicaid. 

States can choose to provide additional, optional benefits like:

• Hospital visits and stays
• Doctor's office visits
• Prenatal care and delivery
• Nursing home services
• Home health services
• Early childhood screenings
• Emergency medical transportation

Am I eligible for Medicaid?

Medicaid is managed by each state, so eligibility requirements depend on where you live.

How do I enroll in Medicaid?

To enroll in Medicaid, you’ll need to apply through the Medicaid agency in your state.

Are you a caregiver?

Find out about resources for those who care for people with both Medicaid and Medicare.

1 CMS market share of enrollment data March 2023

Please select your county.

Man sentenced to at least 22 years in prison for 2018 Bath Township murder

ST. JOHNS, Mich. (WILX) - A Grand Blanc man has been sentenced to at least 22 years in prison for killing a hunter in Bath Township in 2018.

Thomas Olson was convicted of killing Chong Yang in 2018 while Yang was out hunting. In February 2024, Olson was found guilty of second-degree murder. The police claimed that they had witness testimony and found a plastic bag containing hunting spray that led them to Olson.

Read more: Jury finds man guilty in 2018 Bath Township murder

A new lead helped police solve the cold case after several years.

Olson was sentenced to 22.5 to 60 years in prison on count one of second-degree murder and two years on a gun charge.

“That night he did not only rob my dad of his belongings and the memories my dad had. He robbed me of the first man that has loved me unconditionally with no faults,” said Maivue Yang, Chong Yang’s youngest daughter.

The sentencing comes more than 5 years after Yang was murdered. For the first time since the beginning of the case Thomas Olson spoke out.

“I still have faith that this wrong will be righted and the perpetrator and the Yang family will get the true justice they deserve. I believe in this justice system and I know that this justice system, the same system that put food on my plate growing up, will ultimately overturn my wrongful conviction and set me free,” said Olson.

The family feels that he has no remorse or accepted any guilt. Chong Yang’s wife speaks in front of the Judge with a translator.

“She was adamant, when her husband comes home that’s when Thomas should be able to go home to his family and until that happens he shouldn’t be able to go home either,” said Joseph Yang, the family’s spokesperson.

Subscribe to our News 10 newsletter and YouTube page to receive the latest local news and weather. Looking to hire people, or grow your business through advertising? Gray Digital Media is your one-stop marketing solution. Learn more.

Copyright 2024 WILX. All rights reserved.

New report shows people don’t want to stay in Michigan, experts explain why

Several changes are coming to Texas Roadhouse this year, report says

DeWitt area man dies in car vs. motorcycle crash on Business 127 in Clinton County

How to watch the solar eclipse in Mid-Michigan safely

Michigan State Police reminds explosive safety after man attempts to dispose grenade at station

Latest news.

Cinderella’s Closet provides affordable prom wear for teens

Okemos students take unforgettable trip to see the Great American Eclipse

Restaurant Week kicks off in Jackson County

Lawmaker suggests changes to redistricting commission following pay raise

Migraine mission: Mid-Michigan woman turning agony into advocacy

How to Choose a Health Insurance Plan for Your Small Business

A s a small business owner, you're no doubt aware that it's important to not only attract solid talent, but do what you can to retain talented employees. And a good way to do that is to make sure you're offering a nice benefits package. That package might include a retirement savings plan you help contribute to, paid vacation time, and health insurance.

Now, you should know that if you run a business with fewer than 50 full-time employees, you're technically not required to provide health insurance. But that doesn't mean you shouldn't.

Healthcare can be an astronomical expense in the absence of insurance. And even if you're willing to raise salaries in lieu of providing insurance, you may find that prospective employees are turned off by the prospect of having to go out and purchase health coverage themselves.

Of course, choosing a health plan for your business isn't exactly an easy thing to do. Here are some tips for navigating the process.

1. Decide how much you're willing and able to spend

Within the realm of small business health insurance, there's a range of plans. As you might imagine, costlier plans tend to offer superior coverage, while those that are less expensive don't offer as much to participants.

It's important to be realistic about how much you can afford to spend on health insurance. As a smaller operation, you can't benefit from the bulk rates a company with 12,000 employees might snag. So you'll need to take a look at your banking records and see what's realistic, keeping in mind that you'll likely be picking up a large share of those premium costs.

2. Figure out if you want a high-deductible insurance plan

High-deductible health insurance plans can be burdensome for participants -- especially those with family members who tend to get sick often. But the costs for these plans can be more reasonable, as plans with higher deductibles tend to come with lower premiums. That's something to keep in mind if you'll be covering those premiums at 100%.

Also, if you offer a high-deductible plan, it may allow you to offer a health savings account in conjunction with that plan. That could make it easier for your employees to cover their medical costs while reaping tax savings.

3. Consider partnering up with an insurance broker

As a small business owner, you may not be all that well-versed on health insurance options. But it's the job of an insurance broker to walk you through your options and do research on your behalf, so you can focus on running your business. Not only might an insurance broker help you find the right plan, but they can generally help you get set up so you don't find yourself lost in a sea of paperwork.

Whether a health insurance plan is something you're looking to offer because it's a requirement or because it's a benefit you want to provide, it's important to find the best plan for your company. Take your time in making that decision so you and your employees wind up happy with it.

Alert: highest cash back card we've seen now has 0% intro APR until 2024

If you're using the wrong credit or debit card, it could be costing you serious money. Our experts love this top pick , which features a 0% intro APR until 2024, an insane cash back rate of up to 5%, and all somehow for no annual fee. 

In fact, this card is so good that our experts even use it personally. Click here to read our full review for free and apply in just 2 minutes. 

Read our free review

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy .

Staying current is easy with Crain’s news delivered straight to your inbox.

Free of charge.

April 8, 2024 8:31 AM

Tony Denton

Senior Vice President and Chief Environmental, Social and Governance Officer

Michigan Medicine

Scope of work: Tony Denton communicates with the University of Michigan governance on issues of environmental sustainability, carbon neutrality, health equity improvement, and community benefit. He is also responsible for strategic facilities planning at UM health.

Biggest professional win: Denton led the $920 million D. Dan and Betty Kahn Health Care Pavilion project that includes a plan for a Leadership in Energy Efficient Design platinum designation. He is also executive sponsor for a $35 million relocation and expansion of a primary care center in Ypsilanti that will give public transportation users better access.

Other contributions: Denton serves on the American Hospital Association’s Regional Policy Board 5.

Get Our Newsletters

Staying current is easy with Crain's news delivered straight to your inbox, free of charge. Click below to see everything we have to offer.

Subscribe Today

With a Crain’s Detroit Subscription you get exclusive access, insights and experiences to help you succeed in business.

A 68-year-old athlete shares 5 workout rules that keep him young, fit, and energized

• National Senior Games athlete Paul Ostermann said working out has kept him healthy and energized.
• He works out six days a week, including weightlifting and mobility exercise with cardio.
• Having a workout goal and community can help you stay motivated and be consistent, he said. 

Paul Ostermann doesn't just want to be a centenarian — he plans to stay competitive every step of the way.

"When you stop moving, you start dying," 68-year-old Ostermann told Business Insider.

Ostermann, an Ohio resident, has been competing in the Senior Games, a national sports competition for people over 50, since he retired from teaching science more than a decade ago. Along the way has won more than 60 state championships in eight different events.

He believes his passion for fitness has kept him healthy and vibrant over the years. "I'm almost never sick and haven't been for many years. I have a high energy level. I am convinced that regular exercise keeps me mentally sharp and physically sharp," Ostermann said.

But you don't need to be at his level to reap the same rewards. While he has always been athletic — he wrestled and played baseball in college, played softball, and coached for four decades — Ostermann said short, simple workouts have a ton of benefits, if they're consistent.

"People can live longer and happier if they're exercising regularly, even if they don't exercise the way I do," he said. "If they just get out there for 20 minutes to get their heart rate up, three days a week, they'll be so much better off."

Ostermann shared his current exercise routine, how he's dialed in his training for peak performance and longevity , and his best advice for getting in shape for years to come.

Include a mix of strength training and cardio in your workouts

Ostermann said his workout regimen is six days a week, and can include resistance training, biking, sprints, and power walking.

But don't be intimidated.

The key takeaway from his routine is that he does plenty of compound exercises — simple moves with strengthen multiple muscle groups at once.

Bench presses, military presses, and bodyweight moves like pull-ups all help to build a strong core and good stability. That is a key factor in longevity since it can help prevent dangerous injuries like slips and falls as you age.

Workout splits can help you get more out of each gym session

Ostermann follows a workout split — a technique that can help you make faster gains working multiple muscle groups at once.

He dedicates some workouts to the upper body and others to the lower body. You can use this technique even if you only work out two days a week instead of six.

Related stories

Upper body days include weight-lifting moves like bench presses and military presses. Lower body workouts may be exercises like leg extensions, calf raises, or leg presses (after back surgery, Ostermann said he can no longer do heavy squats, deadlifts, or power cleans). In total, he rotates around 39 weight-lifting movements.

Ostermann also said he works on his mobility, another key factor in longevity. Using time-saving mobility exercises in your workouts can help you prevent injury and live longer, a personal trainer previously told Business Insider.

Set a goal to keep you consistent

Ostermann said he still has days when he doesn't feel like hitting the gym. What gets him moving again and again is having a goal.

"I love to compete and it's so much easier to go to the gym or the track every day when you got something to work for," he said.

But more important than spending hours in the gym each week is keeping up a habit over time, and Ostermann's top tip is not to take on too much, too fast.

"It's a lot easier to stay in shape when you do it consistently, which is where most people screw up. They come in, and they work out too hard, they lift too much, and they get sore. People when they work out, they need to start slow, slowly add to it," he said.

Plan your workouts in phases

Ostermann said his workouts change from the offseason to the on-season as the Senior Games approach.

A training cycle helps elite athletes make the most of their workouts for their sport, but it can pay off even if you're an everyday athlete who just wants to get a little healthier because it allows you to stay focused and track your progress.

Planning your workouts ahead of time also helps prevent injury and burnout by cutting out " junk volume ," spending extra time and effort in the gym that doesn't benefit you, trainers previously told Insider.

Ostermann said the majority of people don't need to train as hard as he does.

Find a workout buddy or community

Ostermann said he goes to a gym with world-class athletes like bodybuilders and MMA fighters, which inspires him to push himself.

"It's so much easier when you got two or three guys down from you that are lifting, and they're working hard and you don't want to be outworked," he said.

He's also a member of SilverSneakers, a nationwide fitness program with in-person and online classes available through Medicare to adults 65 and older (including those new to exercise ).

Working out with a friend or group is one of the best ways to stay on track, according to Ostermann, and research backs it up.

"It really helps most people if they can find a partner to work with," he said.

Watch: How actors transform their bodies for superhero roles

• Main content