caresource is a nonprofit that began as a managed health care plan serving medicaid members in ohio .

today , it provides public health care programs including medicaid , medicare , and marketplace .

the company is headquartered in dayton , ohio .

it is the largest medicaid plan in ohio and second largest in the united states .

in 2016 , the company had more than 1.5 million members in four states .

caresource

for more , visit caresource . com , follow @ caresource on twitter , or like caresource on facebook .
references to caresource pertain to each individual company or other caresource affiliated companies , such as caresource , caresource kentucky co . , caresource indiana inc . , and caresource west virginia co . each company is a separate entity and is not responsible for another’s financial condition or contractual obligations .
attention to integrity is emphasized among all caresource employees and reinforced through the caresource corporate compliance plan .
note : compare american caresource stock price history with the index and industry peers .
caresource has an app for your smartphone or tablet . you can access your my caresource® account , view your id card , find a doctor , and more !
a partnership between caresource and community pharmacists on a medication therapy management program won in the category of community outreach / partnerships , caresource said . under the collaboration , participating ohio pharmacists help monitor caresource members’ medication regimens , while also helping to control total costs .
note : sep eligibility is determined by the health insurance marketplace and not by caresource .
learn more about your medicaid , marketplace , medicare advantage or caresource mycare ohio plan .
you can also call caresource customer service at 1 - 888 - 815 - 6446 .
one such exception is if an emergency occurs while you are out of the caresource service area . in this case , caresource will cover benefits provided outside the provider network .
yes . caresource uses a network of providers . in order for your services to be covered by caresource , you must get care from the providers in our plan’s network .
you can also call caresource customer service at 1 - 855 - 202 - 0622 .
other terms and conditions apply , including the ( 1 ) caresource website terms of use and privacy policy , and ( 2 ) caresource social media and community terms of use .
no . caresource does not provide medical services or make treatment decisions . caresource does not decide what care you need or will receive . you and your physician make those decisions .
any and all caresource social media websites ( including , but not limited to , facebook , twitter , linkedin , pinterest , youtube , google + , instagram , etc . ) may be monitored by caresource . caresource reserves the right to monitor and / or terminate your access to any caresource social media website or platform at any time , without notice and for any reason in its sole discretion . caresource may edit or remove any materials or posts in its sole discretion at any time . you understand and agree that caresource may disclose your communications and activities with caresource in response to lawful requests by governmental ( including judicial ) authorities .
if you are interested in joining the caresource team , check out our open positions here .
the caresource foundation devotes resources toward nonprofit organizations that are improving the lives of the underserved .
caresource is committed to research about topics that are relevant to our mission and our members .
caresource plans have low deductibles for medical services and no deductibles for medications . check out our
caresource is looking to expand its health insurance product onto marketplaces in kentucky and indiana next year .
caresource , a medicaid managed care plan company , unveiled its own insurance option in ohio’s marketplace , caresource just4me . since enrollment opened up last october , the company has enrolled 36 , 000 .
caresource has tapped a local non - profit leader to take the helm of its newest venture .
this website contains information that will help you understand your caresource insurance coverage . you will find :
for some services , caresource pays eligible expenses after you have paid a coinsurance or copayment amount .
for more detailed information about coverage , refer to the evidence of coverage for your caresource plan .
you can find more information about what services your caresource plan covers in the evidence of coverage .
any links to other non - caresource websites are solely for your convenience in obtaining related information . such inclusion or mention does not constitute or imply a recommendation or endorsement by caresource . caresource does not control the contents of these websites and does not guarantee the accuracy or completeness of any such information
she says flexibility continues to define caresource , which is one of the biggest economic drivers of downtown .
caresource has made the largest donation in its history to support a new entertainment venue for downtown dayton .
sign up or log in » my caresource™ want to change your doctor or request a new id card online ? visit my caresource , your personal , online account . it’s fast , convenient and secure .
under no circumstances including , but not limited to , negligence , shall caresource or the caresource family of companies be liable for any direct , indirect , incidental , special , consequential or punitive damages that result from the use of , or the inability to use the caresource materials contained herein . by using our website , you acknowledge and agree that caresource is not liable for any defamatory , offensive or illegal conduct of any user . if you are dissatisfied with any of the caresource materials contained herein , or with any of caresource ' s terms of use and conditions , your sole and exclusive remedy is to discontinue using this website .
caresource said it received two pinnacle awards at this year’s ohio association of health plan’s annual convention in may .
with private exchanges emerging , caresource is evaluating if it can place its own employees on such an exchange .
with caresource mycare ohio ( medicare - medicaid plan ) you get a team approach to care management with your needs at the center . choose caresource for both medicare and medicaid and you have no copays or premiums .
read how the caresource foundation is helping support organizations that are working to improve the lives of the underserved .
caresource ' s secure online provider portal makes it easier for you to work with us 24 / 7 .
caresource ® mycare ohio is a health plan that combines both medicare and medicaid into a single plan for members who have selected caresource for medicare and medicaid . learn more about enjoying the full benefit of combined care .
at caresource , we are driven by an unwavering purpose to provide dependable health insurance plans d . . .
“caresource is thrilled to have the opportunity to provide quality health coverage to more hoosiers , ” said pamela morris , president and ceo of caresource , in a statement . “our growth in indiana represents additional recognition of caresource’s innovative member - centric model of care , a legacy which began right here in dayton 27 years ago . ”
in addition , many of the caresource members life services is intended to serve already have jobs , she said .
dayton mayor nan whaley applauded caresource’s latest move and said the company remains one of dayton’s most important corporate citizens .
plans call for the kettering tower space to be renovated in time for caresource staff to move in next spring .
yes ! there are no pre - existing condition limits or waiting periods that apply to benefits covered by caresource .
caresource covers you with care . one way we do this is to give you information online . if you are a caresource member , you can log on to my caresource , your personal , online account . you can see updates about your health care plan and take a health risk assessment ( hra ) to learn more about your health . we can tell you about benefits and health care options that meet your needs . sign up with my caresource today !
if another party makes a claim against caresource that is related to the comments or third - party material that you submit or post to caresource’s social media websites and platforms , you agree to indemnify and hold caresource , its affiliates , officers , agents , employees , partners and harmless from those claims , demands and any all damages that may result .
dayton - based caresource foundation celebrating its 10th anniversary awards $ 750 , 000 to the levitt pavilion amphitheater in dayton .
the pinnacle awards recognize efforts of health plans to improve the quality of health care for ohioans , according to caresource .
the affordable care act has driven a surge in new populations caresource can serve , having added 150 , 000 new members this year . caresource now has close to 1 . 1 million customers . it’s led to new possibilities for growth .
caresource will build a new 7 - story , 250 , 000 square foot office building to house 900 employees downtown .
welcome to the team david finkel ! david has joined caresource to lead market strategy and operations as evp , markets .
the georgia medicaid contract will boost caresource’s total enrollment across all of its insurance products to nearly 1 . 9 million .
* while caresource covers all medically necessary medicaid - covered medications , we use a preferred drug list ( pdl ) .
enter your information in step 1 and step 2 to estimate what your cost may be when choosing a caresource plan .
low premium plan option caresource offers a lower premium silver option that reduces your overall premium while still allowing for csrs .
with a strong focus on preventive care , caresource utilizes a continuum of care model to members at all stages of health and illness . in addition to all required services , caresource offers extra benefits such as a 24 - hour nurse advice line , transportation to doctor’s appointments , and a variety of care management programs . for more information about caresource , visit urltoken .
they were selected from a group of more than 400 after completing a skills assessment at a “job connect” pilot program for caresource’s new life services division . caresource , downtown dayton’s largest employer , also has begun talks with several local companies about connecting with their members , said sam george , a senior vice president at caresource , and interim leader of the life services division .
caresource ceo pam morris was quick to point out that job placement is only one of the functions of the new unit .
twenty - five years later , pam morris still remembers the 90 - minute meeting that almost stopped caresource before it began .
caresource ' s new life services program is helping it better adapt to a growing customer base , its leader said wednesday .
view us on linkedin » linkedin get the latest news on caresource and see who you know by following us on linkedin .
low premium plan option - caresource offers a lower premium silver option that reduces your overall premium while still allowing for csrs .
caresource plans are separated into “metal level” categories of silver , gold and bronze , based on how you and caresource share the costs of care with your provider . these categories have nothing to do with the quality or amount of care you get .
when you enroll in a caresource plan , you can choose to receive your monthly bills through email or a paper bill .
for more information about coverage for urgent care services , refer to the evidence of coverage for your caresource marketplace insurance plan .
* this only applies for caresource marketplace core plans silver 2 and silver 3 . eligibility for these plans is determined by urltoken
while caresource makes reasonable efforts to monitor and moderate content posted on its social media platforms and websites , neither caresource nor its employees or other affiliated individuals have the ability to monitor and moderate all comments at all times and cannot always respond immediately or at all to online requests for information . caresource may not respond to or see all comments posted on its social platforms and websites as caresource’s social media websites and platforms are not monitored 24 hours a day , 7 days a week . in addition , caresource is under no obligation to respond to any content on its social media websites and platforms . the use of caresource’s social media websites and platforms is at your own risk and provided “as is . ” we recommend that if you have a serious need that you contact caresource directly or other appropriate persons , such as the police or emergency medical help ( 911 ) .
mail your payment : send a check or money order to caresource , p . o . box 12845 , covington ky 41012 - 0845 . please include your caresource member id number on the check . this will ensure payment is posted to your account .
caresource is planning to lease office space in the kettering tower in downtown dayton for about 225 employees , the company said wednesday .
no communication to caresource through this social media website or platforms shall be deemed to constitute legal or official notice for any purpose .
this will be another big win for the caresource , which already is active in indiana with its health insurance marketplace product , caresource just4me . but the bulk of the company ' s 1 . 5 million members are in its medicaid managed care plan business .
caresource is nationally recognized for leading the industry in providing member - centric health care coverage . the company’s managed care . . .
as an ohio medicaid managed care plan ( mcp ) , caresource provides benefits and covers emergency services obtained in any hospital or urgent care clinic within the united states . however , caresource does not provide benefits for or cover emergency services received outside the united states .
unlike many other insurance companies , caresource is a nonprofit organization focused more on people than profits . while other health insurance companies are stepping away from the health insurance marketplace , caresource is committed to the marketplace , helping our members understand and use their health insurance .
caresource has experienced explosive growth in membership in recent years , which was the impetus for the new lease negotiations , the company said .
by accessing , viewing , or using the material on caresource . com , you accept and agree to the following terms of use .
caresource is open for business monday through friday , 7 a . m . to 7 p . m . we are closed on :
mail your payment : send a check or money order to caresource west va insurance , p . o . box 630093 , cincinnati , oh 45263 - 0093 . please include your caresource member id number on the check . this will ensure payment is posted to your account .
caresource serves georgia medicaid and peachcare for kids® members enrolled in the georgia families® program and women enrolled in the planning for healthy babies® program .
we provide 10 years stock price data for free . you can download american caresource stock price history here . historical stock prices are provided with the open , high , low , close , volume , and american caresource p / e ratio data for the stock . the stock price was at a 5 year high of $ 3 . 6 on jul 07 , 2014 as seen from american caresource stock price history chart .
caresource has instituted physical , electronic and managerial safeguards to prevent unauthorized access , maintain data security and use of the information we collect online .
caresource has been selected to begin negotiating a medicaid contract in indiana , setting it up for an expansion expected to support 200 new jobs .
new for 2018 – bronze hsa – a caresource marketplace plan designed to be compatible with a tax advantaged health savings account ( hsa ) .
caresource signature grant recipients the caresource foundation awarded three signature grants in the remainder of 2016 . these awards are focused on innovative , high - impact approaches to solving critical social issues . in total , $ 1 , 050 , 000 in awards have been allocated to the following organizations :
caresource has also benefited from the implementation of the mycare ohio program , and the launch of medicare advantage plans in ohio , indiana and kentucky .
we truly value the expertise that our older employees bring to the table . their contributions to the caresource culture are what makes our company unique .
caresource’s rapid growth has led to sizable employment gains in dayton , where about 100 workers will be hired to support the company’s expansion in georgia .
use our online find a doctor / provider tool to search for doctors in your area and to find out if your doctor accepts caresource insurance .
caresource is a nonprofit organization . we pride ourselves on understanding our members and helping them understand and access their health insurance services . caresource has over 25 years of experience with managed health care coverage . we serve more than a million members . we are focused more on people than profits .
“in the caresource foundation’s 10 - year history , we’ve had the opportunity to invest in over 1 , 000 important , innovative nonprofits throughout ohio , ” said cathy ponitz , vice president of the caresource foundation . “these organizations make positive transformations in the lives of thousands of vulnerable children and families .
this pavilion will cement downtown ' s place as one of the most progressive and innovative places in the country ,
said cathy ponitz , executive director of the caresource foundation , as she and caresource founder pamela morris presented the check to downtown leaders at the company ' s headquarters thursday .
caresource plans are separated into “metal level” categories of bronze , silver and gold , based on how you and caresource share the costs of care . you can also select a dental and vision individual or family plan . a few key questions can help you decide which plan is right for you :
certain online services are available to caresource members and providers via our secure website services . the secure website services require a password to log in before accessing information . caresource complies with the privacy and security requirements under the health insurance portability and accountability act ( hipaa ) . caresource may use and share the information that you provide to us via our secure website services to provide you with your health care benefits . please read the caresource privacy practices located within the members information section for each plan . the privacy practices explain in detail how we may use and disclose protected health information ( phi ) .
the success of the program could ultimately reduce the number of caresource members living in poverty who qualify for medicaid , currently about 1 . 25 million .
this solution from humana and caresource builds on the strengths of our respective core capabilities to deliver a comprehensive , quality offering to the member .
caresource is a nonprofit health plan founded on the principles of quality and service , delivered with compassion and a thorough understanding of the medicaid consumer . by staying true to its mission of making a difference in the lives of underserved people by improving their health care , caresource has become one of the largest and fastest growing medicaid managed care plans in the nation . today , caresource serves more than 900 , 000 medicaid and medicare advantage consumers in ohio .
“downtown dayton is home to caresource’s corporate headquarters , and we remain committed to being an anchor for the city , ” said dan mccabe , caresource’s chief administrator . “we are pleased to be an important economic driver in dayton and appreciate the support and strong relationships we have with our city leaders . ”
the strength of caresource lies in our most important asset – our employees . they work each day with compassion and a commitment to improving health care .
the marketplace allows us to offer caresource coverage in 61 kentucky counties . before beginning your search , please make certain we offer plans in your area .
to determine the services that have an annual deductible , refer to the summary of benefits and coverage or the schedule of benefits for your caresource plan .
your caresource plan provides benefits when you receive covered services from network providers . you can find network providers in the find a doctor / provider tool .
the company introduced its caresource just4me commercial health plans on the online federal exchange in 2013 and expanded enrollment to indiana and kentucky last year . caresource opened for enrollment in west virginia’s marketplace at the beginning of the month and is projecting total marketplace enrollment in all four states to grow to 100 , 000 .
the caresource foundation provides responsive grants to nonprofit organizations who impact children , adults and families in areas that mirror the social determinants of health . those include :
the strength of caresource lies in our most important asset—our employees . they work each day with compassion and commitment to improving health care . join our team .
the caresource silver plan is our most popular plan . in fact , 75 % of our members find that it fits best into their lifestyle and budget .
no . caresource plans do not have any lifetime or annual limits on the dollar amount of essential health benefits . essential health benefits are defined as follows :
if you don’t present your id card and the provider makes you pay the full amount for services , you would need to file a claim with caresource .
the marketplace allows us to offer caresource coverage in 32 west virginia counties . before beginning your search , please make certain we offer plans in your area .
caresource leased the ballpark village space with capacity for 500 workers in april 2014 and initially renovated the lobby and second and third floors . the second phase of renovation included the first and fourth floors and was completed earlier this fall . staff will begin occupying the first floor of the building this month , caresource said .
american caresource share price history helps an investor analyze a firm ' s historical performance when viewed along with it ' s financial statements . this helps in american caresource stock analysis . the price movement is easily depicted in the american caresource stock price history chart . a large fluctuation in price and volume indicates a highly volatile stock . gnow stock saw a high of $ 0 . 02 , and a low of $ 0 . 02 on last trading day . american caresource historical p / s ratio was at a high of 0 . 96 on feb 05 , 2015 and a low of 0 . 04 on jan 19 , 2016 .
* * if you must travel 30 miles or more from your home to get covered health care services , caresource will provide transportation to and from the health partner ' s office . caresource also offers up to 30 one - way trips or 15 round trips per member per year for transportation less than 30 miles .
to make sure you get your full benefits , you should show your caresource id card every time you get health care services from a network provider or pharmacy . if you do not show your id card , your provider may fail to bill caresource for the services delivered , which could cause a delay in services .
you can call caresource 24 any time of the night or day - 24 hours a day , 7 days a week - to talk with a registered nurse .
to determine the services that have a coinsurance or copayment amount , refer to the summary of benefits and coverage or the schedule of benefits for your caresource plan .
how much do caresource ( ohio ) employees make ? glassdoor has salaries , wages , tips , bonuses , and hourly pay based upon employee reports and estimates .
“in kentucky we are already serving more than 67 , 000 medicaid members and we’re familiar with that uninsured population , ” said scott streator , vice president of the health insurance marketplace for caresource . “there were not as many plans participating in the indiana health insurance exchange last year and this is an opportunity to introduce caresource just4me .
life services was an unusual business venture launched by caresource last year , but it plays an important role in helping the company maneuver through a changing health care industry . dayton - based caresource now serves 1 . 5 million people , most in medicaid managed care plans and health insurance on the affordable care act - mandated exchanges .
ohio medicaid consumers include families , children , pregnant women , adults age 65 and older and ohioans who are blind or disabled at any age . if you are eligible for ohio medicaid , you and / or members of your family may receive health care benefits through caresource . learn more about choosing caresource as your medicaid plan .
about 40 of caresource’s medicaid clients have been selected for interviews at fuyao glass america — the chinese auto glass maker bringing hundreds of new jobs to the dayton area .
caresource is a nonprofit health plan headquartered in dayton , ohio . as one of the largest medicaid managed health plans in the country , caresource serves over one million consumers . for over 25 years , we have worked to further our mission to make a lasting difference in our members’ lives by improving their health and well - being .
caresource headquarters in downtown dayton . the nonprofit health insurer is preparing to begin serving about 200 , 000 medicaid members in georgia on july 1 . ty greenlees / staff
for some services , caresource pays eligible expenses after you have met your annual deductible . when services have an annual deductible , you pay the health care provider for services until you have met the annual deductible amount . caresource pays the provider for eligible expenses after you have paid this amount . your annual deductible starts over every january .
pay online : sign in to my caresource ® and pay with a major credit card , debit card or bank transfer . this is a free service to you .
learn more » redetermination to stay a caresource member , you have to renew your medicaid benefits with your local county department of job and family services ( jfs ) office .
not usually . if you bring your caresource id card and receive care from a network provider , the provider is responsible for filing the claim and requesting payment from us .
if you have a serious or complicated health problem , caresource case managers can help guide you through the health care system to get the coordinated , quality care you need .
need additional information ? call us at 1 - 888 - 815 - 6446 . we can help you navigate the health insurance marketplace and enroll in a caresource insurance plan .
need additional information ? call us at 1 - 855 - 202 - 0622 . we can help you navigate the health insurance marketplace and enroll in a caresource insurance plan .
the caresource foundation has worked with think tank . , but it was vanzant ' s life story that made her the best fit to lead the life services initiative launched by caresource this year . her first - hand experience facing economic hardship , beginning while a student at wright state university , is something many of the program ' s clients face .
caresource ceo pamela morris applauded the attendees and referred to them as partners in the company’s effort to “continue to be part of the strengthening of the core of our city . ”
caresource declined to elaborate on the details until the project is finalized , which is contingent on tax - credit financing and other incentives from state and local authorities , officials said .
pay online : sign in to your my caresource ® account and pay with a major credit card , debit card or bank transfer . this is a free service to you .
similar to other managed care plans , if you get services from a doctor who is not in the caresource network , your costs will not be covered , with few exceptions .
“as an entrepreneur , i like change and disruption , ” she said . “you have to love and embrace change to be successful at caresource because that’s the environment we’re in . ”
as a caresource member , you can get the same necessary medical services that are covered by the regular ohio medicaid program . and we never charge a copay for any medical service .
this is not a complete list of the services that are not covered by medicaid or caresource . if you have a question about whether a service is covered , please refer to your
this website and all copyrights , service marks , and other proprietary notices are owned and operated by caresource . any unauthorized use may violate copyright , trademark , or other applicable laws .
the caresource foundation , in its 10th year , awarded $ 2 . 8 million this year to 147 ohio nonprofits . this included more than $ 1 million to dayton - area organizations .
dayton , ohio , dec . 20 , 2016 — in 2016 , the caresource foundation celebrated its 10th anniversary by awarding $ 2 . 8 million to 147 deserving nonprofit organizations throughout ohio . since 2006 , the caresource foundation has awarded over 1 , 000 grants and invested $ 14 . 5 million to strengthen the network of health and human service nonprofit organizations throughout the state .
caresource knows that understanding health care can be confusing . we strive to make it easy for doctors , members and the community to work with us , whether online or over the phone .
when services have a coinsurance or copayment amount , you pay the health care provider that amount , usually at the time of service . caresource pays the provider the balance of the bill .
caresource has created a new division with a job training and placement component that has already helped the medicaid managed care provider find jobs for a number of its members , company officials said tuesday .
morris said it was too early to say exactly how many new people caresource would hire to support the new division . the company already employs close to 2 , 000 people in downtown dayton .
in addition to receiving $ 1 million in cash from the port authority , the school district will also receive certain funding and services from caresource , according to the resolution approved by the board .
“caresource has a 28 - year history of serving populations with unmet needs and we are excited about bringing our successful business model to the state of georgia , ” said bobby jones , caresource’s president for the georgia market . “we will partner with the atlanta community to help transform the lives of those we serve with our innovative programs designed to improve their health and well - being . ”
at caresource , we’ll never leave your side . while other health insurance companies have dropped their affordable insurance plans , we’ve never been more committed to ours . we continue to make insurance affordable .
“from the beginning of caresource , we were acutely aware that our members who were living in poverty had many struggles , ” morris said . “most were basic needs , such as food , housing , paying utilities ; for others , it was having stable employment . so this program really ties back to the caresource mission , and the consumer focus that we’ve had from the very beginning . ”
life services is still in the early stages of development , but caresource has already hired an executive director who will assume her responsibilities later this month , including overseeing the hiring of a dedicated staff .
company officials say caresource just4me , which debuted last year on the ohio health insurance marketplace , will grow to the indiana health insurance marketplace , as well as kynect , kentucky’s state - run exchange .
caresource is a
qualified health plan
or
qhp
on the health insurance marketplace in ohio , kentucky , west virginia and indiana for 2018 enrollment , which begins november 1 , 2017 .
caresource continually updates the information provided on this website in order to keep the information as current and accurate as possible , however , it is possible that the website may contain inaccuracies , errors or unauthorized modifications by third parties . caresource does not make any express or implied warranties as to the accuracy of any information on this website . information contained on our websites may be changed or updated without notice .
out - of - pocket costs are what you pay during the year through deductibles , copayments and coinsurance . premiums and services not covered by caresource do not count toward your out - of - pocket maximum . after you meet your annual out - of - pocket maximum amount , caresource begins to pay 100 percent for covered health benefits . your out - of - pocket maximum starts over each january .
life services will provide support to caresource members seeking life coaching , education , financial assistance , soft skill development — such as communication and interviewing techniques — as well as job training , among other things .
together , the caresource humana alliance will deliver a fully integrated medicare / medicaid solution – one card , one point of contact and one care treatment plan – with an emphasis on preventative care and wellness .
caresource , which serves about 1 . 3 million ohio medicaid members , is also a leading provider of private health plans sold under the affordable care act in ohio , indiana , kentucky and west virginia .
my caresource ® – your personal , online account that lets you pay your premium , change your doctor , request a new id card , check your deductible and more – all with one convenient login .
caresource will send you reminders to schedule recommended screening exams . reminders can be for mammograms , child and adolescent immunizations , cervical cancer screenings , comprehensive screenings for individuals with diabetes and influenza / pneumonia immunizations .
in addition , information for services received outside the united states can be found on the benefits grid . page 8 of the benefits grid states that out - of - country services are not covered by caresource .
yes . if you get hurt or sick while traveling outside the service area , but within the united states , caresource will pay for medically necessary urgent care services that you receive from non - network providers .
if you have medicare coverage , you’re not eligible to use the marketplace to buy a health or dental plan . eligibility is determined by the marketplace , not by caresource . for more information , please see urltoken
all links to external websites found linked from caresource social media websites and platforms are provided as a service and convenience to readers . we make no representation or warranty concerning the content , quality , timeliness , safety or suitability of their contents , nor are we liable for the content or availability of external websites . caresource make no endorsement , expressed or implied , to any hyperlinks or website , and as such are not responsible for the content of external websites . caresource control or guarantee the accuracy , relevance , timeliness or completeness of information contained on a linked website or hyperlink . thus , the content is provided “as is . ”
the caresource humana alliance was established earlier this year to more effectively serve medicare and medicaid beneficiaries . caresource and humana will bring their extensive experience in both programs to deliver innovative , full - service solutions to federal and state governments looking to enhance care coordination , provide long - term services and support and make the programs simpler and easier to navigate . this care coordination is expected to result in better health outcomes for members .
caresource again plans to put its stamp on the dayton skyline with the construction of a seven - story building at the corner of jefferson and first streets that will help the nonprofit add an estimated 400 new jobs .
the caresource foundation provides grants to nonprofits who are working to eliminate poverty , provide much - needed services to low and moderate - income families , build healthier communities and develop innovative approaches to address significant social issues .
caresource covers all medically necessary medicaid - covered services . these medical services are available at no charge to you . you should not be billed for these services . if you receive a bill , please call us .
we understand that the health insurance marketplace can be confusing . we can help you navigate the process and enroll in a caresource insurance plan . give us a call and we will be glad to offer our assistance .
you can call customer service at 1 - 888 - 815 - 6446 or use the find a doctor / provider tool to search for doctors in your area and to find out if your doctor accepts caresource insurance .
you can call customer service at 1 - 855 - 202 - 0622 or use the find a doctor / provider tool to search for doctors in your area and to find out if your doctor accepts caresource insurance .
one of the city’s largest employers , caresource is seeking a five - year agreement that would allow the nonprofit health insurer to occupy the third and fourth floors of the 30 - story building at 40 north main st .
all toll , caresource’s four downtown dayton locations — including kettering tower — would support about 2 , 200 workers . the company has just under 2 , 000 employees downtown now and a total workforce of 2 , 500 .
the health care industry requires more successful outcomes , and an emphasis has been placed on patient wellness before they get sick . but caresource found customers who don ' t have economic stability and often neglect their own care .
if… your coinsurance for a medical procedure is 30 percent . the amount of the medical procedure is $ 600 . you pay the provider 30 percent or $ 180 . caresource pays the remaining 70 percent or $ 420 .
“caresource is honored to have the opportunity to serve american heroes through the development of a new and innovative model that will ensure our veterans have choice and access to the health care that they so richly deserve . ” urltoken
caresource just4me plans are separated into “metal level” categories of bronze , silver and gold , based on how you and caresource share the costs of care . these categories have nothing to do with the quality or amount of care you get . you can also choose an individual or family plan . if you are under 30 , you can also pick a catastrophic plan . a few key questions can help you decide which plan is right for you :
the new building would be connected by a plaza to caresource headquarters and ballpark village offices , creating a “walkable campus - like environment for employees within the core of downtown dayton , ” the company said in a press release .
caresource has issued a letter of intent to negotiate with the owners of the kettering tower at 40 north main street in downtown dayton to lease office space for about 225 employees , the downtown dayton - based health insurer said .
the addition of the kettering tower space would increase the amount of office space caresource occupies downtown to nearly 600 , 000 square feet , including its ballpark village location in the former workflowone building at 220 e . monument ave .
the indiana family and social services administration named caresource a state - selected vendor to administer health care services for those who enroll in the healthy indiana plan and hoosier healthwise programs , beginning in january 2017 , the state announced .
when you enroll , the health insurance marketplace will determine your eligibility for cost savings based on your income and family size . you can estimate your cost savings and shop for caresource plans before you enroll using our estimate tool .
former medicaid recipients who are not offered work - based insurance at their new jobs would likely qualify for caresource’s just4me commercial plans , which are sold through health insurance marketplaces in ohio , indiana and kentucky under the affordable care act .
we are very committed to the urban core , and the focus on revitalization downtown ,
said jeff hoagland , president and ceo of the dayton development coalition .
the employees of caresource bring a vibrancy to downtown .
caresource does not discriminate on the basis of race , color , national origin , disability , age , sex , gender identity , sexual orientation , or health status in the administration of the plan , including enrollment and benefit determinations .
the building , which will be called caresource center city , will be 250 , 000 square feet and will hold 900 employees . groundbreaking is set for 2017 and is expected to be finished sometime in 2019 , company officials said .
karin vanzant , executive director of life services , spoke wednesday at a conference for insurance trade association america’s health insurance plans in las vegas . there , she said the division has changed the way caresource approaches the people it serves .
caresource is dedicated to providing a healthy and safe environment for employees to work and customers to visit . except where prohibited by applicable state law , employment offers are conditional upon satisfactory results of pre - employment drug and tobacco testing .
marketplace plans are separated into metal level categories of gold , silver , and bronze . the metal level categories are based on how you and caresource share the cost of your health care . note that most caresource members are also eligible for helpful government subsidies , which will help lower your premium and out - of - pocket cost for health care . eligibility for these subsidies is determined by the health insurance marketplace and is based on your household size and income .
at the same time , caresource — also one of the nation’s largest medicaid managed care providers — has expanded its footprint to georgia , where it has a managed care contract to begin serving the state’s medicaid consumers in july next year .
caresource , a downtown dayton - based nonprofit health insurer , on july 1 will begin serving about 200 , 000 medicaid customers in georgia under a contract with the georgia department of community health secured in 2015 , the company announced tuesday .
if… your copayment for a primary care ( doctor’s office ) visit is $ 20 . you visit your doctor , and the amount is $ 125 . you pay the doctor the $ 20 copayment . caresource pays the doctor $ 105 .
a caresource substance abuse program , care4u case management , won in the category of health care programs at the convention . care4u addresses controlled substance abuse and provides community - based care to help program enrollees reduce their overall dependency on controlled substances .
caresource does determine , according to the plan ' s policies and nationally recognized guidelines , what medically - necessary benefits are covered services under the plans . the plans may not pay for all treatments you or your physician may believe are necessary .
caresource , a dayton - based health care firm , is the second largest company in the dayton region with 2015 revenue of $ 6 . 96 billion . it is on pace to have 2 , 200 employees locally , all in downtown dayton .
caresource works in medicaid managed care , medicare advantage and health insurance on the state marketplaces . between ohio , indiana , kentucky , west virginia and atlanta it manages 1 . 5 million people and is growing thanks to several expansions in each state .
“i ' m exceedingly proud of the culture we ' ve built and nurtured over the years , and the amazing team we have at caresource . that all lives on , and that ' s what legacy is all about . ” - pam morris
if… your copayment for a primary care ( doctor’s office ) visit is $ 20 . you visit your doctor , and the amount is $ 125 . you pay the doctor the $ 20 copayment . caresource is responsible for the remaining $ 105 .
we understand that the health insurance marketplace can be confusing . we can help you navigate the process and enroll in a caresource insurance plan . give us a call monday to friday , 8am to 8pm and we will be glad to offer our assistance .
the division is helping caresource collect information and data on populations and also helping determine what kinds of assistance and support is needed to help them toward long - term economic prosperity . this brings them out of the social services sphere and into the workforce .
training magazine annually selects 125 national organizations that exhibit best training practices , evaluation methods , and outstanding training initiatives . for the last 7 years , caresource has earned recognition as one of training magazine ' s top 125 companies that excel at staff development .
some of our pages may contain links to other sites whose corporate practices may be different than those of caresource . please consult the other sites ' privacy statements , as we have no control over information that is submitted or collected by these other entities .
the new building would be the first new high - rise to open downtown since caresource’s headquarters opened in 2008 with the help of the port authority , which also helped build the nonprofit’s adjacent parking garage , representing a combined investment of nearly $ 75 million .
“in the caresource foundation’s 10 - year history , we’ve had the opportunity to invest in over 1 , 000 important , innovative nonprofits throughout ohio , ” said cathy ponitz , vice president , caresource foundation . “these organizations make positive transformations in the lives of thousands of vulnerable children and families . we are inspired by their work and proud of the partnerships we have shaped together over the past decade . ultimately , these partnerships create models of positive change that impact our communities and broader social structure for the better . ”
community development for all people – a grant of $ 80 , 000 will allow the community development for all people to partner with the caresource foundation , moms2be and nationwide children’s hospital to provide stable housing and other support to pregnant women and families in need .
this website has all the information you will need to understand your caresource benefits . you can find a list of providers as well as other resources . you can also find member handbooks and health surveys – all designed to keep you and your family healthy !
caresource is a non - profit managed care company that provides managed health coverage to more than 1 . 8 million members . we pride ourselves on understanding our commitment to the marketplace , understanding our members and helping them understand and access their health insurance services .
caresource is a qualified health plan issuer in the health insurance marketplace . this is not a health insurance marketplace website . this website does not display all available plans . to see all available qualified health plan options available , go to www . healthcare . gov .
at this point , you have met your $ 650 annual out - of - pocket maximum . for the rest of the benefit year , caresource will pay 100 percent of covered services as defined in the plan’s summary of benefits and coverage or schedule of benefits .
the information presented on our website is not intended to constitute an offer to sell or a solicitation in connection with any service . if you are interested in any of caresource ' s services , please contact us for a complete description of the product and its availability .
caresource betsy woods , media relations specialist , 937 - 531 - 3158 betsy . woods @ urltoken or humana inc . corporate communications : jeff blunt , 513 - 826 - 7094 jblunt @ urltoken or investor relations : regina nethery , 502 - 580 - 3644 rnethery @ urltoken
revenue from the state and federal government controls payments and schedules . it also determines which counties caresource can expand to and which populations it can add . the company has advocated for those expansions , such as this year when it is adding aged , blind and disabled children .


the microdreams foundation is a u.s. 501 ( c ) ( 3 ) non-profit organization founded by gregory casagrande in 2002 as a microfinance accelerator that helps small , growing micro-enterprise development organizations reach financial self-sufficiency .

microdreams ’ primary goal is to provide the global poor , in particular women , with economic opportunity to empower them to work their way out of poverty .

the non-profit provides financing to start-up and tier 3 microfinance institutions that otherwise would not be able to receive funding .

the majority of large microfinance investment vehicles and asset management firms avoid providing funding to these types of microfinance institutions because they are considered too small and too risky to be a safe investment .

the microdreams foundation

gregory f . casagrande , founder at the microdreams foundation , inc . - relationship science
the microdreams foundation , inc . south pacific business development microfinance network transformative ventures ltd .
we have 5 contacts for the microdreams foundation inc , including 3 contacts with email addresses .
mission : the microdreams foundation supports small promising microfinance institutions in the developing world to achieve permanency through financial self - sufficiency .
the microdreams foundation provides direct investments , bilateral loans and loan guarantees to highly rated small microfinance institutions , ensuring funds continue to reach entrepeneurs in need throughout the developing world .
the microdreams foundation is located in newark , new jersey . this organization primarily operates in the civic and social associations business / industry within the membership organizations sector . this organization has been operating for approximately 8 years . the microdreams foundation is estimated to generate $ 201 , 273 in annual revenues , and employs approximately 3 people at this single location .
programs : the microdreams foundation provides direct investments , bilateral loans and loan guarantees to highly rated small microfinance institutions , ensuring funds continue to reach entrepeneurs in need throughout the developing world . the microdreams foundation provides direct investments , bilateral loans and loan guarantees to highly rated small microfinance institutions , ensuring funds continue to reach entrepeneurs in need throughout the developing world .
gregory casagrande is the driving force behind the microdreams foundation ( “microdreams” ) and south pacific business development ( “spbd” ) , which make up the first successful microfinance network across the south pacific , with operations in samoa , tonga , fiji and the solomon islands . ( more about the founder )
we have 3 contacts for aids resource foundation for children inc , including 1 contact with email addresses .
microdreams’ microenterprise development partners in the fight against global poverty span the globe . below is a list of select microenterprise development organization ( medo ) alliances that microdreams has established :
aids resource foundation for children is located in newark , new jersey . this organization primarily operates in the civic and social associations business / industry within the membership organizations sector . aids resource foundation for children employs approximately 3 people at this branch location .
our formal rebranding to “the microdreams foundation” occurred in 2007 to highlight our expanding geographic focus and mission to assist young mfis to follow the successful path to commercial permanence blazed by spbd samoa . to that end , microdreams has provided critical financing to mfis in latin america to help them grow .
we need your help so microdreams can provide the critical financial assistance to spbd - fiji .
how can i put and write and define microdreams in a sentence and how is the word microdreams used in a sentence and examples ? 用microdreams造句 , 用microdreams造句 , 用microdreams造句 , microdreams meaning , definition , pronunciation , synonyms and example sentences are provided by ichacha . net .
u . s . internal revenue code . donations to microdreams are tax - deductible .
microdreams builds financially sustainable , replicable , and scalable medos that directly empower poor families to lift themselves permanently out of poverty . and microdreams does this where no one else does .
the microdreams foundation has its roots in the south pacific business development foundation ( spbd ) , a microenterprise development organization founded by greg casagrande in the pacific island nation of samoa in 2000 . spbd is the first successful medo in the pacific islands region and is well known for its efficiency and its effectiveness at empowering the poor . in 2007 , spbd - usa re - branded and became microdreams . microdreams is now focused on helping young medos follow the successful path to commercial permanence blazed by spbd . today , although microfinance is renowned , the vast majority of financing goes to the world’s largest microfinance institutions , and hence the vast majority of the world’s poor remain without meaningful economic opportunity . the execution of microdreams’ vision will help to spread microfinance services throughout the developing world .
with support from donors and investors , microdreams usa and microdreams new zealand continue to grow . we are proud to be early investors in successful mfis in the south pacific and latin america . microdreams will continue to work with new partners around the world to seed the next generation of mfis that will benefit the world’s poor .
microdreams empowers the poor to lift themselves permanently out of poverty through meaningful economic opportunity . to learn more visit
through its partner organizations , microdreams touches the lives of thousands of entrepreneurs , who in turn invest in their families’ education and housing needs . microdreams is proud to be an organization focused on changing lives , one at a time . microdreams has helped empower dreams for those profiled below and many more .
also on the list are villagereach ( which charity evaluator givewell listed as its top rated charity from 2009 to november 2011 ) , living goods ( which has been profiled in many media outlets ) , bridge international academies ( a muso , and the microdreams foundation .
' the microdreams foundation
' is a u . s . 501 ( c ) ( 3 ) non - profit organization founded by gregory casagrande in 2002 as a microfinance accelerator that helps small , growing micro - enterprise development organizations reach financial self - sufficiency .
the microdreams foundation is a charitable microfinance acceleration fund designed to help new and emerging microfinance and micro - enterprise development organizations launch and scale their organizations to the point of commercial viability . microdreams has been the driving force behind the development of the spbd microfinance network in the south pacific ( samoa , tonga and fiji ) and has helped to scale young emerging partner mfi’s in bolivia , ecuador and peru . microdreams provides loans , loan guarantees and technical assistance to partner microfinance institutions to help them achieve their goals of providing meaningful economic opportunity to the poorest members of society .
any references to a parallel application for incorporeal entities indicated through patch notes included with the revision were taken out in subsequent updates . further investigation by foundation agents is ongoing .
microdreams uses loans , loan guarantees , and technical assistance to help provide meaningful economic opportunity to the poorest members of society .
microdreams helped south pacific business development expand into tonga in 2009 , fiji in 2010 , and the solomon islands in 2013 .
microdreams is a non - governmental , non - profit organization and a registered charitable organization in the united states and new zealand .
greg casagrande of summit , ceo of the microdreams foundation , meets the ceos of the eighth - grade groups that raised money for his organization . from left : jonathan saminski of westfield , jordan rose of north plainfield , naya shim of warren and yumna naqvi of south plainfield . ( photo courtesy of wardlaw - hartridge school )
genoveva has been a valuable client of emprender , microdreams’ field partner in bolivia , since 2005 . doña . . .
microdreams’ first investment was in spbd samoa . when spbd samoa repaid its start - up financing , microdreams reinvested this money into other mfis . we have been there every step of the way to support the launch and growth of spbd in samoa , tonga , fiji and the solomon islands .
south pacific business development foundation ( spbd ) apia , samoa urltoken since its arrival in samoa in 2000 , spbd has provided over usd 12 million in loans to provide opportunities for some 9 , 000 samoan families . microdreams has helped spbd mobilize more than usd 1 million in financing via grants , direct loans and loan guarantees . microdreams funds have been used to provide loans to samoan women in need , execute key good governance projects and expand to the nearby and more rural samoan islands . microdreams also provided direct aid to hundreds of families devastated by the samoan tsunami in 5september 2009 .
the body shop australia , the wise foundation , and south pacific business development of samoa ( spbd - samoa ) have teamed up to launch a small business training and mentoring program for several small retail shop owners in samoa to help them further develop successful micro - enterprises . in addition to the training , the wise foundation also provided a $ a30 , 000 grant to spbd - samoa for the expansion of its micro - enterprise loan program .
in 1989 , sting and trudie styler founded the rainforest foundation in response to a direct request for help from a kayapo indian leader in brazil who was seeking to protect his peoples’ land and culture .
what do you consider your greatest achievement ? other than my kids , the development and growth of my microfinance initiatives ( spbd and microdreams ) .
we have partnered with the following microfinance institutions in the south pacific and latin america . microdreams will continue to work with new partners around the world to seed the next generation of mfis that will benefit the world’s poor .
greg casagrande greg is the founder and managing director of microdreams . he is also the founder of south pacific business development microfinance network ( spbd ) , the leading microfinance institution in the pacific islands region .
the rainforest foundation us has worked with three catchafire pro bono professionals to date . the projects included brand identity , a public relations plan and copywriting . all three of these initiatives have helped broaden awareness and support for their cause .
wardlaw - hartridge students showed their compassion and generosity by providing microdreams with a $ 1 , 500 donation to support our work with the south pacific business development microfinance network . the school has supported microdreams and spbd for many years , and greg ( a graduate of the school ) visits to discuss microfinance and the work of spbd with students .
the rainforest foundation supports indigenous and traditional people of the world in their efforts to protect their environment and and fulfill their rights . the rainforest foundation was one of the first organizations to focus on the vital link between protection of the rainforest and securing the rights of indigenous peoples . as deforestation pressures have intensified , providing the support needed for indigenous peoples to remain stewards of their ancestral lands has proven to be extremely effective in protecting rainforest . recent data in brazil shows that the deforestation rate in the amazon was 1 % in indigenous areas versus 24 % outside of those areas .
all four groups were able to make a profit in their businesses , led by ceos naya shim of warren , jonathan saminski of westfield , jordan rose of north plainfield and yumna naqvi of south plainfield . the money they raised , $ 2463 . 76 , was presented to casagrande on june 6 for his microdreams foundation to help empower more women to start businesses .
microdreams will help change this by financing the startup of our newest micro - enterprise development organization field partner , spbd - fiji , which officially launched in october .
4 . iamfi’s membersfounding membersdoen foundation tiaa - crefomidyar network plainfield asset managementgray ghost ventures rockefeller foundationgray matters capital triodos managementprudentialcharter members blueorchard finance usa , g . casagrande ( spbd , microdreams ) , calvert foundation , co - operative financial services , developing world markets , elevar equity , global microfinance partners , hsbc , j . p . morgan , microcredit enterprises , microfinanza rating , microvest , minlam asset management , morgan stanley , norwegian microfinance initiative , planet rating , prudential , omidyar - tufts microfinance fund , orrick herrington & sutcliffe , ronoc , triple jump , individuals
microdreams has recently posted its first projects to catchafire , and is now seeking its first pro bono professionals ! you can have an impact by helping microdreams with a copywriting project and a website design project . the copywriting project will assist microdreams deliver their message more effectively to donors / supporters , partners and other key stakeholders . the professional would work with the coo to play a crucial role in helping to convey their message in a compelling , thoughtful and inspirational way . microdreams is also looking for a website design professional who can help them re - design their new , but not - yet - launched website to better communicate the “look and feel” of the organization .
greg has not only changed lives in samoa , microdreams has also made it their goal to help other young microenterprise developers ( medo ) , follow their success . microdreams has delivered $ 500 , 000 of financing to young , well managed medo’s in bolivia , ecuador , tonga and uganda .
in 2007 , spbd - usa re - branded and became microdreams . microdreams is now focused on helping other young medo’s follow the success path to commercial permanence blazed by spbd a few years earlier . since rebranding , microdreams has delivered nearly us $ 500 , 000 of financing to young , well managed medo ' s in bolivia , ecuador , tonga and uganda . each medo is now quickly scaling its operations to become permanently viable medo’s dedicated to empowering the poor with a powerful hand - up and not a hand - out . microdreams continues to actively take on new partners around the world in its mission to seed the next generation of medo ' s to benefit the world’s poor .
the organization’s initial project led to a role coordinating the first ever privately funded demarcation of indian land in the region . since then the rainforest foundation has grown into a small network of four independent organizations in the us , the uk and norway , working collectively in 20 rainforest countries around the globe . collectively they have helped protect 28 million acres of forest .
the microdreams foundation has its roots in south pacific business development foundation ( spbd ) , a microenterprise development organization ( medo ) founded by greg casagrande in the pacific island nation of samoa in 2000 . spbd is the first successful medo in the pacific islands region and is well known for its efficiency and its effectiveness at empowering the poor . a sister organization , spbd - usa , was established in 2002 as a us 501c3 nonprofit organization to help fund the launch and growth of spbd in samoa . as spbd grew and become economically viable , several commercial entities stepped in to permanently finance its ongoing growth . this enabled spbd to payback its spbd - usa sponsored start - up financing and gave spbd - usa the opportunity to expand its horizons .
edison — in january , greg casagrande , a 1981 graduate of the wardlaw - hartridge school and current member of its board of trustees , spoke to eighth grade students about business and finance . he told them that he started the south pacific development foundation / microdreams to empower women in the villages of samoa to begin their own businesses . the success of these women has enabled them to pay back their loans and also improve their communities by helping each other .
following the success of spbd samoa , microdreams helped the launch of spbd tonga in 2009 . in general , tonga’s economy is vulnerable and employment opportunities are limited . around 70 % of the population lives in rural areas , where much of the rural poor lack a source of income . the labor force participation rate as a percentage of the female population is 54 % , which is one reason why the help of spbd tonga and microdreams is so important .
the microdreams team has deep experience in the u . s . and new zealand private sectors and a history of successfully harnessing private sector expertise to build efficient , sustainable , socially responsible businesses within the non - profit world .
microdreams is the sister organization to the south pacific business development ( “spbd” ) microfinance network , the most successful group of mfis operating in the south pacific islands of samoa , tonga , fiji and the solomon islands . founder gregory casagrande and board members established microdreams in the united states and new zealand as charitable entities ( originally called spbd - usa and spbd - nz ) to enable friends and family in these countries to raise awareness and funds for microfinance in the south pacific .
microdreams is a charitable organisation registered in the united states and new zealand . the organisation is focused on helping young microenterprise development organisations ( medo’s ) follow the path to commercial permanence through credit and education . microdreams aims to empower the world’s poor by providing them with meaningful economic opportunity so that they can work their way permanently out of poverty by providing sustainable , replicable and scalable solutions in markets where no one else does .
today , although microfinance is renowned , the vast majority of financing goes to the world ' s largest microfinance institutions and hence the vast majority of the world ' s poor remain without meaningful economic opportunity . the execution of microdreams vision will help to spread microfinancial services to every corner of the developing world .
microdreams works to ensure its partner microfinance institutions are able to grow and to provide much - needed financial and non - financial services to poor women in remote and rural areas .
microdreams seeks only the highest quality microfinance partners who can demonstrate managerial excellence , client growth and a healthy loan portfolio and who share our value of providing meaningful economic opportunity to those who needed it most .
microdreams has continued to help ider expand its outreach and services into the rural regions of peru . as of the end of 2015 , ider’s percentage of female borrowers reached 59 . 7 % with 2 , 471 total active borrowers .
securing land rights for indigenous peoples is a top priority for indigenous peoples across the world as it gives communities the control and security they need to protect their forests . however , indigenous groups often face significant legal , procedural and technical hurdles to obtaining legal recognition of their land rights , such as accurate marking of boundaries , professional maps and formal title documentation . the rainforest foundation is assisting its partners overcome these challenges by providing technical support to map territorial boundaries , document land claims and assist with complex administrative and legal procedures . on regional and national levels , the rainforest foundation is supporting indigenous organizations and networks to negotiate with the relevant authorities and gain formal recognition .
in may and june , microdreams made loans totaling $ 250 , 000 and $ 200 , 000 to spbd samoa and spbd fiji respectively . the loans will enable the two entities to continue expanding their outreach and improving their product offerings .
microdreams is pleased to have polly kelekis join the team as its first chief operating officer . polly is working closely with greg to develop the organization further and grow its resource base with the ultimate goal of empowering poor microentrepreneurs by providing them with meaningful economic opportunity so they can work their way permanently out of poverty . polly is responsible for the day - to - day operations of microdreams , including new business development , stakeholder relationship management , marketing , outreach and fundraising .
microdreams monitors its mfi partners and ensures that they provide loans for underprivileged people to start their own businesses as well as proper training and mentoring to guide their female microentrepreneurs towards business success .
along with his partner claire he traveled to samoa in 2006 and saw the spbd and microdreams project in progress . it was both humbling and inspiring to visit several villages and witness first hand what the project means to the women involved and the significant impact on their day to day lives .
in january 2014 , the new zealand - based snakk media , contributed funding to microdreams in support of the spbd networks ' newest branches in fiji and the solomon islands as part of its impactful treasury management strategy and in recognition of new zealand ' s deep links to the south pacific .
we offer an enormous thanks to graeme wise , founder and owner of the body shop australia and the wise foundation , for his support of samoan micro - entrepreneurs through this program . we also express our heartfelt appreciation to alex mcdonald , mark kindness , louisa trombin , adam valvasori , lawrence cupido , and all others involved .
prior to launching my own mfi , i visited chittagong , bangladesh for a few weeks to learn firsthand the details of operating an mfi from one of the world’s most successful organizations , grameen bank . back in samoa and armed with new knowledge , i launched a greenfield mfi to give samoan women the opportunity to improve their families’ lives . and thus , spbd was born . when my family and friends learned what i was doing , they wanted to help . so , we established the microdreams foundation ( originally called spbd - usa ) to raise awareness and funds for microfinance in the south pacific .
since rebranding , microdreams has delivered more than us $ 1 . 5m of financing to young , well managed medos in bolivia , ecuador , peru , samoa , tonga and fiji . each medo is scaling its operations to become permanently viable and is dedicated to empowering the poor with a powerful hand - up and not a hand - out . microdreams continues to actively take on new partners around the world in its mission to seed the next generation of medos to benefit the world’s poor .
if you want to get involved , please favorite the rainforest foundation us on catchafire . ( you need to be logged in to do this . ) we’ll alert you as new opportunities to get involved become available . if you want to learn more about this great opportunity , email community @ catchafire . org .
microdreams acts as a catalyst to help develop and grow a new generation of microenterprise development organizations ( medos ) . with microdreams’ suite of new venture financing and advisory services , these small , young , promising , potentially high - growth medos will grow , prosper and become permanent entities in their communities . they will provide the local poor with small business training , unsecured credit and ongoing guidance and motivation to make their clients’ micro - businesses a success . microdreams’ medo partners will also provide their clients credit for basic housing improvements and for childhood education , as well as access to convenient savings facilities and appropriate insurance coverage .
microdreams will act as a catalyst to help develop and grow a new generation of microenterprise development organizations ( medos ) . with microdreams suite of new venture financing and advisory services , these small , young , promising , potentially hi - growth medos will grow , prosper and become permanent entities in their communities . they will provide the local poor with small business training , unsecured credit and ongoing guidance and motivation to make their clients ' micro - businesses a success . microdreams medo partners will also provide their clients credit for basic housing improvements and for childhood education as well as access to convenient savings facilities and appropriate insurance coverage .
out of 80 nominations , spbd has been shortlisted as a finalist in the microfinance recognition awards taking place in washington d . c . on october 26 . spbd has been nominated in the category of microfinance professionalization . other shortlisted organizations in this category include sks microfinance , grameen foundation , and women ' s world banking . congratulations and good luck !
women like tina in samoa , had the opportunity to start her own company with just a $ 270 loan from microdreams . now she is able to support her five children . this is just one of the success stories made possible by greg and his initiative .
tay - bandz primarily does good through raising funds for cutting - edge pediatric cancer research . the foundation is currently funding research at memorial sloan - kettering cancer center , hope & heroes children’s cancer fund at the columbia university medical center and the national institutes of health . through partnerships with corporate sponsors such as bloomingdale’s and capitalone , tay - bandz advocates for research and raises awareness of the lack of adequate government funding .
since its founding , microdreams has delivered approximately us $ 2 , 000 , 000 of financing to young , well - managed medos ( microenterprise development organizations ) in bolivia , ecuador , peru , tonga , fiji , and the solomon islands .
microdreams is currently looking for professionals to help them with a copywriting project . and a website design project . if this is not in your skillset but you would like to get involved , please favorite the microdreams page on catchafire . ( you need to be logged in to do this . ) we’ll alert you as new opportunities to get involved become available . if you want to learn more about this great opportunity , email community @ catchafire . org .
description : scp - 2876 is a smartphone application titled
headspace
appearing in web application marketplaces connected to the global public internet . it describes itself as a service making
dreams from the floor to your door
and allows users to purchase customized dreams and microdreams .
change the name ( also url address , possibly the category ) of the page .
via a loan guarantee , microdreams negotiated fundamic ' s access to usd 100 , 000 in financing from a commercial bank . the funds are being used to expand fundamic ' s regional reach and provide more dollars to more ecuadorian entrepreneurs in need .
genoveva llanos de marin makes beautiful shoes in her small house in bolivia . thanks to the support she is getting from microdreams ' patner emprender , genoveva was able to improve and expand her home and workshop , and also help her daughter through university .
over the past nine years , microdreams has provided substantial support to the spbd microfinance network in all four of its branches in ( samoa , tonga , fiji , and the solomon islands ) and has helped to scale up other young emerging partner microfinance institutions ( mfis ) in bolivia , ecuador , and peru .
navigating the waters of nonprofit , international poverty alleviation through microfinance is tricky business , and microdreams could not do what we do without expert legal help . thanks to an incredibly talented team from allen & overy law firm in new york , we have received valuable legal advice and services relating to complex governance and regulatory issues . the allen & overy team ' s professional expertise and extensive due diligence will ensure microdreams ' ability to carry on our work around the world . what ' s more , they provided all these services pro bono !
for many organizations with a mission to serve the poor , it is essential to measure local poverty levels and track their development so that services can be properly targeted and so stakeholders are provided with objective evidence demonstrating the influence and impact such institutions are generating . developed by the grameen foundation to be easy to use by local organizations , the progress out of poverty index is one of the most recognized and effective poverty measurement tools and is used by over 200 organizations in 45 countries worldwide , including the international finance corporation .
through funding from whole planet foundation and pfip , spbd solomon islands opened a second branch in munda on march 11 th , 2016 . in the next three years , spbd si plans to reach another 5 , 255 women entrepreneurs and give $ 15 . 4 million sbd ( $ 1 . 9m usd ) in loans . already and even in the first month of its opening , the munda branch had already served over 200 clients .
five body shop employees will visit samoa for a week , pro bono , to initially train 10 spbd members who have started their own retail shops in merchandising , marketing , customer service , and business planning . the wise foundation will also assist in the development of the curriculum for the small business training and mentoring program . this inspiration program will offer samoan women entrepreneurs the opportunity to grow and develop their businesses and entrepreneurial skills , and provide australian entrepreneurs a unique challenge and cross - cultural exchange .
it ' s official : south pacific business development has expanded to fiji ! the new microenterprise development organization will bring meaningful economic opportunity to tens of thousands of low income fijians . microdreams will provide major financial support to spbd - fiji to catalyze its outreach and growth .
mission markets is currently working with their first pro bono professional on a brand identity project . mission markets had a lot of ideas about the brand and messaging related to their marketing , but were looking for an expert to help them define the right brand to capture who they are and what they are trying to do . this brand identity will clearly convey their mission , values and personality to the outside world and form the foundation of their future marketing and communications strategy .
spbd microfinance ltd - tonga nuku’alofa , tonga microdreams is proud to be the major launch partner for spbd - tonga which began operations in august 2009 . spbd - tonga helps fight poverty by providing opportunities for women and their families to enhance their income generating capabilities through microfinance and training . microdreams has provided over usd 200 , 000 in start - up capital to help spbd - tonga reach nearly 1000 tongan microentrepreneurs in only a few short months . spbd - tonga operates on the main island of tongatapu and will subsequently expand to outer islands .
the body shop australia , wise foundation and spbd samoa launched a pilot to strengthen microenterprises and build business skills for spbd clients . last month , a small group of clients participated in the business development workshop led by facilitators and mentors of the body shop australia . during the 5 - day training and mentoring program , spbd clients learned about sound business principles , including good service , merchandising , promotions and cash flow . with help from program mentors , clients applied the theory in each of their respective businesses .
microdreams works in samoa , tonga , fiji , the solomon islands , vanuatu ( 2017 ) and peru has helped more than 60 , 000 poor but aspiring micro - entrepreneurs lift themselves and thier families out of poverty in these nations via a sustainable micro - entrepreneurship program .
microdreams mission is to empower the world ' s poor by providing them with meaningful economic opportunity so that they can work their way permanently out of poverty . we work in countries throughout the south pacific - - samoa , tonga , fiji , solomon islands , vanuatu ( 2017 ) - - and in latin america .
spbd launched services in fiji in december 2010 . after strong successes in samoa , empower women to start microbusiness with funds sources from spbd . since its opening , spbd fiji has disbursed 25 , 250 loans to its clients since inception . microdreams expects spbd fiji to become the largest mfi in the sbpd network over the next 5 years with a client base in excess of 20 , 000 clients . since the devastating cyclone winston , that killed two spbd fiji members and destroyed many of their homes , grants from many funders have been given to spbd for the relief and rehabilitation program . microdreams new zealand gave approximately us $ 40 , 540 or fj $ 83 , 402 to the program and more funds are expected to come in the next quarter .
based on casagrande’s business , a project was created so that the eighth graders would understand the purpose of microdreams and help them become leaders themselves . the eighth graders were broken up into four groups and each group was to form a business , elect officers , write a business plan and double the $ 140 given to them by the middle school student council as start - up money . they worked on this project from late february until the second week in may .
at microdreams , we believe that extending financial services to low - income people – known as “microfinance” – is an effective and flexible strategy in the fight against poverty . we believe that everyone deserves access to financial services , which will help them work their way to a better future . today , microfinance institutions ( mfis ) provide critical financial services to some of the poorest populations in the world that are viewed as “too risky” by traditional financial institutions . by establishing successful mfis , microdreams enables poor , aspiring microentrepreneurs to start or grow their businesses and generate income to improve the quality of life for themselves and their families . we have seen the results , and we are proud to support our partner mfis and the hard - working microentrepreneurs they serve .
polly brings more than 17 years of both corporate and non - profit experience to microdreams , including six years in the microfinance industry . her work in microfinance has taken her to diverse countries , including tanzania , honduras , haiti , armenia and fiji . prior to microdreams , polly worked at finca international and consulted for the united nations capital development fund ( uncdf ) . in 2003 - 04 , she managed the volunteer team for the opening and closing ceremonies at the 2004 olympic games in athens , greece . previously , polly held posts at accenture and booz allen hamilton and also worked at the office of dr . henry a . kissinger , the center for strategic and international studies ( csis ) , and the corporate executive board . polly has an mba from the wharton school of business , an ma in international economics and international relations from the school of advanced international studies ( sais ) of the johns hopkins university , and a ba from yale university .
polly brings more than 17 years of both corporate and non - profit experience to microdreams , including six years in the microfinance industry . her work in microfinance has taken her to diverse countries , including tanzania , honduras , haiti , armenia and fiji . prior to microdreams , polly worked at finca international and consulted for the financial inclusion practice area ( fipa ) of the united nations capital development fund ( uncdf ) . in 2003 - 04 , she managed the volunteer team for the opening and closing ceremonies at the 2004 olympic games in athens , greece . previously , polly held posts at accenture and booz allen hamilton and also worked at the office of dr . henry a . kissinger , the center for strategic and international studies ( csis ) , and the corporate executive board . polly has an mba from the wharton school of business , an ma in international economics and international relations from the school of advanced international studies ( sais ) of the johns hopkins university , and a ba from yale university .
one device containing scp - 2876 is to be held in a deactivated state within site - 77 . it is to be regularly activated every 30 days in a controlled environment in order to check for updates and changes to scp - 2876 ' s functionality . scp - 2876 ' s apparent origin point of portland , or , is to be monitored by foundation agents stationed at site - 64 for future activity .
microdreams is a non - governmental , non - profit organization and a registered charitable organization in the united states and new zealand . our mission is to directly empower the world’s poor by providing them with meaningful economic opportunity so that they can work their way permanently out of poverty . we provide sustainable , replicable and scalable solutions in markets where no one else does .
polly kelekis as chief operating officer , polly is charged with further developing the organization and growing its resource base with the ultimate goal of empowering poor micro entrepreneurs by providing them with meaningful economic opportunity so they can work their way permanently out of poverty . polly is responsible for the day - to - day operations of microdreams , including new business development , stakeholder relationship management , marketing , outreach and fundraising .
allyson lippert allyson lippert is a consultant at the boston consulting group , focusing on retail and marketing work . she received her mba in 2007 from the stanford graduate school of business with certificates in both global and public management . she interned with south pacific business development foundation during the summer of 2002 , completing marketing projects for the organization . in addition , she created 20 paintings of women at work in the micro - businesses to raise awareness of spbd and the impact of microcredit . she graduated from the university of north carolina at chapel hill in 2003 with a bs in business administration and a ba in political science , having written a thesis entitled
the macroeconomic impact of microfinance in samoa .
she currently resides in san francisco .
significantly increased the visibility of the breadth of issues facing lgbt people and their families . throughout 2010 , the task force was one of the most quoted lgbt organizations in the country , and has one of the largest and most - followed social media efforts in the community .
1 . to hold the issue of youth unemployment firmly on the global agenda .
ider cv was established in 1990 as a development ngo and has been involved in microfinance since 1993 through its procrider division . procrider currently has nearly 3 , 000 clients in the la libertad , tumbes and cajamarca regions of northern peru . through microdreams’ support , ider cv has accessed usd 150 , 000 in additional financing to expand its services mainly to poor rural clients in the huamachuco area .
to build a successful microfinance network , i believe one of the key factors is to be client - oriented – we must always be respectful of our clients and work hard to directly serve their needs . it is this culture of respect and client service that runs throughout the work that microdreams and spbd does . this is why we refer to them as “clients” and not “beneficiaries . ”
at the award ceremony in tonga , the minister of education , women ' s affairs and culture gave the keynote address .
the experience proved valuable for both spbd and the students . as ashley larson writes ,
coverage of the initiative , by clicking on the video below or go to urltoken .
another of the task force’s most exciting new programs is the new beginning initiative , composed of a variety of organizations which are organized by the task force . the coalition has been working with the obama administration to make concrete changes that benefit the entire lgbt community .
through the queer the census campaign , the task force distributed over 140 , 000 stickers that people placed on their census envelopes demanding that lgbt individuals be counted in the census .
long before most residents in the village of matafaa rise in the morning , industrious faaea is wide awake , preparing the . . .
jim young jim has been a board member of microdreams and its predecessor organization since 2002 . he is a graduate of princeton university with an economics degree and received his mba from the kellogg school of management . he also completed the cfa program . jim works as an investment analyst at west family investments , a private family office , in evanston il . before his current position , he worked at goldman sachs for 19 years - equity research for 3 years in new york city and institutional equities sales for 16 years in chicago . he lives in evanston , il with his wife , karen , and children , stephanie , henry and katie . karen is an active and enthusiastic supporter of microdreams . jim and his family are committed to microfinance and its basic premise of helping people help themselves .
we continue to have a busy and productive year here at microdreams . in september and october i traveled to fiji to help launch our newest field partner , south pacific business development fiji ( spbd - fiji ) . lionel somaratne is the new general manager , bringing his extensive microfinance management experience as ceo of nationwide microbank in papua new guinea . ( you can read more about lionel and spbd - fiji
because of the lack of employment in the area , karina decided to open a business making picture frames . she has used the . . .
( thank you very much ) to the kelley team for their excellent report and to professor phil powell , the mba program chair , for coordinating the project and laying the groundwork in suva .
tina is one of the micro - entrepreneurs supported by microdreams . she lives in a village in vaimoso , samoa and has a business which produces concrete balusters at her home . she has used her creativity , industrious work effort and a loan from microdreams’ partner south pacific business development ( spbd ) samoa to implant herself right into the middle of the samoan construction industry . tina took out a st $ 750 ( about us $ 270 ) loan to purchase molding cases , a vice , iron rods and cement mix . using the tools , iron rods and concrete mix , she can make a finished concrete baluster in about three hours . she can sell a baluster for st $ 50 ( about us $ 18 ) and is now producing and selling 40 balusters per week . that’s 120 hours per week ( her operation is truly around the clock ! ) . her balusters are used for new western style homes and offices , and tina has now lined up several local contractors to whom she supplies her product . tina , a mother of five , is also now able to afford significant improvements in her very basic home and can afford to give all of her children a good education and a good environment in which to grow up . she is just one of microdreams’ shining examples of formerly poor members who are now supercharged micro - entrepreneurs .
instituto de desarrollo regional
cesar vallejo
( ider cv ) trujillo , peru urltoken ider cv was established in 1990 as a development ngo and has been involved in microfinance since 1993 through its procrider division . procrider currently has nearly 3 , 000 clients in the la libertad , tumbes and cajamarca regions of northern peru . through microdreams’ support , ider cv has accessed usd 150 , 000 in additional financing to expand its services mainly to poor rural clients in the huamachuco area .
speak up now to stand with the 68 . 5 million refugees and displaced people around the world .
gregory casagrande is the driving force behind south pacific business development ( “spbd” ) , the first successful microfinance network across the south pacific , with operations in samoa , tonga , fiji and the solomon islands .
south pacific business development fiji announced that it is partnering with the reserve bank of fiji ( rbf ) and the microfinance charity good return to hold workshops on the progress out of poverty index ( ppi ) that has been developed for fiji and the first in the south pacific region . the aim of the workshops is to shed light on issues of poverty improvement , measuring and monitoring poverty , as well as to provide training for the use of the ppi .
thank you for joining the mercy corps community . together we will help meet the world’s urgent needs and build a brighter future for people around the world .
the final phase of the institute is innovation , during which scholars and community members bring the innovations they have developed into a business context and prototype their ideas . they use a process of iteration to develop the products or services into viable business options and collaborate on plans to access the investment needed to start the business .
duddy , the middle school history co - chair , worked with casagrande to create this project for the eighth grade .
microfinance stands as one of the most promising and cost - effective tools in the fight against global poverty .
jacoba siza pingos is a micro - entrepreneur from alluriquin , ecuador . she has received three microloans from microdreams ' ecuadorian partner , fundamic . as a 40 year old single mother , segunda works hard to support her children by making and selling taffy , candy and other sweets . the loans from fundamic have helped segunda grow her micro - enterprise and increase her income . segunda explains ,
i ' m happy because this institution believes in me and helps me with credit and information to live better .
the sean costello memorial fund conducts fundraising through the sale of merchandise and music benefits , however they also search for donors who can provide ideas to further the cause and engage with scientists in groundbreaking research . in 2010 they sponsored a conference of three members of their scientific advisory board in san francisco with the purpose of analyzing data to determine the relationship between creativity and bipolar disorder . additionally , the data was used to evaluate the impact of mania on creativity . the results of this conference were so significant an article was published in clinical psychology review and spawned a community consultation day with crest . bd at the university of british columbia in vancouver . additionally , the scientists presented their findings at the irbd in rome this past april . the irbd is the largest international conference on bipolar disorder , and the sean costello fund was prominently represented .
on the unfortunate side , a few brave souls decided that this warning was the last straw and that they , too , have now decided to permanently move uphill into the bush .
microdreams’ goal is to help our microfinance institution ( mfi ) field partners to become permanently viable institutions dedicated to empowering the poor with a powerful hand - up – not a hand - out . we offer financial and non - financial support , including direct loans , loan guarantees , human resources development , strategic guidance and staff training . with our support , mfis can establish themselves in their communities , reach sustainability , and then scale up to become permanent entities – thereby creating self - sustaining , economic networks in local villages .
motor vehicles operating without the engine running , even running if the battery , engine , ignition and steering column were removed .
sakhi has transformed the lives of both individuals and communities . here are the highlights of just a few of their achievements :
the village of lalomanu , samoa is gone — where 21 clients of spbd lived before the tsunami destroyed their homes and businesses .
she may not be on forbes’ “the world’s most powerful people” list , but lupe made it to the top of . . .
as he accepted the check from teacher nancy duddy , casagrande said , “i am very impressed with the efforts that the eighth grade students pursued over the last few months . i am sure all the students learned about leadership and decision - making as well as the importance of teamwork . and , running a business requires financial planning , an understanding of what customers want and the ability to market and sell a product . this is a wonderful learning experience . ”
the amiji twins give kids an opportunity to get to know other kids living all around the world so they can discover the many things they share in common , and the little things that make them unique . the amiji twins are friendship dolls . every one is handmade by the pair in nepal and has a twin just like it in another country . a handwritten code on the amiji’s tag allows kids to find where their twin lives on amijiworld . com .
greg casagrande has traveled the world , worked in the social sector , and the banking world , when he realized he had the tools to make a difference . ten years ago he and his wife were travelling through new zealand and fell in love with the country and decided to set up their family base camp there . samoa , an impoverished country was next door and the perfect place to launch
the planet finance group emerged from the belief that microfinance , alongside the three development mainstays of democracy , education and infrastructure , is a key factor in creating effective and sustainable anti - poverty strategies . with the support of our partners , the group’s ambition is to create a fairer world by giving those who ar e financially excluded access to the means by which they can create their own businesses , save and take out insurance against the unpredictable events of daily life .