The state market will be different than what Kemp originally planned. He wanted to put insurance deals in the hands of private brokers who could sell policies with the insurance…
Direct consumer support plays an important role in assisting consumers to enroll into and maintain their health coverage. Georgians for a Healthy Future, primarily a health advocacy organization, provided direct enrollment services to Georgians in the last two open enrollment periods through enrollment events, in-person appointments, phone assistance and referrals. GHF continues to engage with other enrollment entities through its Georgia Enrollment Assistance Resources (GEAR) network which is a central hub of Marketplace resources, and provides technical support to assisters through newsletters, e-blasts, trainings, webinars, and forums.
In OE3, GHF primarily focused on post enrollment work undertaking more complex consumer cases such as resolving coverage issues with the Marketplace and insurance providers, payment issues, tax filing and reconciliation issues, and issues with supplemental documents. In this role, GHF provided crucial support to consumers and enrollment assisters to resolve these types of issues and help consumers maintain their coverage, feel free to visit https://syntheticurinereview.com/whizzinator-kit/.
Here is what our consumers reported about their experiences
GHF conducted a post-enrollment consumer satisfaction survey with 25 consumers between April and July 2016. The survey participants reported that they sought a combination of services during their appointments. The table below provides the details for each type of post-enrollment assistance.
Twenty-four out of 25 (96%) participants reported that they were able to resolve the issues that they sought assistance for, as explained by these quotes…
“Paid my premium, sent supplemental documents, added two kids to the application, received delayed cards” – Res# 1, Female, 30.
“My coverage had been suspended for over a month due to a technical issue. GHF helped me reinstate my suspended insurance by advocating on my behalf with both Marketplace and Ambetter. My benefits were reinstated within 3 business days”— Res# 16, Female, 62.
GHF Success Stories:
Tony Caldwell, a consumer with disability, was waiting to get his power wheelchair for over a year. With direct enrollment support from GHF, he was able to get his application completed during SEP and select a plan that covered his wheelchair. Tony quotes, “I finally ended up getting my power wheelchair that I had been waiting for over a year. It has helped me from passing out. Thanks to you all.”
Clyde Mohammed and his wife Sharda (West Indian couple) came to renew their marketplace plan at Switzer Public Library in Marietta. They also wanted to change their current plan since the premium was going up in 2016. Assisted the consumers to complete their application. They were found eligible for subsidies. They enrolled into a health plan with $57 monthly premium and $600 family deductible. The family was able to save over $150 in monthly premium by switching their plan.
The majority of the participants reported the Marketplace application process to be very complicated and that they couldn’t have resolved their issues without the help of an enrollment assister. Those participants who found the process to be comfortable reported the assistance they received to be the key reason. Participants also reported that this page talk about it, from the education to enrollment assisters that made it easier for them to understand and use their new health insurance.
Trends from our direct consumer support experiences and those we have heard from our partners suggested that direct enrollment assistance was crucial for consumers in making enrollment decisions as well as tackling post-enrollment issues. Direct assistance will continue to be crucial for consumers, both new enrollees and re-enrollees, in the days to come as there will be changes in participating insurance providers, premium price, and personal details such as household size and income all of which will require enrollment assisters’ expertise.
Moving the conversation forward
Yesterday marked the start of a new chapter in the campaign to close the coverage gap. The Georgia Chamber of Commerce Health Access Task Force unveiled a set of proposals best beard trimmer to expand coverage. We are heartened that business leaders and health care industry stakeholders recognize the important role that coverage plays in a healthy and productive Georgia. You can read the news coverage in the AJC, WABE, Georgia Health News, and Atlanta Business Chronicle.
Is it a good plan?
We believe a coverage solution is one that extends coverage to all those Georgians caught in the coverage gap, does not erect unnecessary barriers to care, and maximizes the federal dollars set aside for Georgia. The Chamber’s proposal is a big step in this direction. While we have concerns about how some of the proposed provisions will impact consumers, we look forward to working with the Chamber, legislators, our Cover Georgia partners, and other stakeholders to find a solution that best serves individuals and families, our state’s health system, and our state’s economy.
What can I do to build on the momentum?
Be a part of the conversation! Your legislators need to know that this is an important issue for their constituents. Here you’ll find a quick and easy way to enter in your address and directly email both your state house and senate member. Let them know it’s time we close the coverage gap!
At Georgians for a Healthy Future, we’ve been fighting for expanded access to care since our doors first opened. We’ve developed videos and graphics to help simplify this complicated issue. We’ve created in-depth tools to explain the nuance and dispel myths. Our postcard and petition project has helped lift up this issue at the Gold Dome where we regularly testify and provide research to lawmakers.
As we get closer to closing the coverage gap we hope you’ll continue to stand with us. By signing up for the Georgia Health Action Network you’ll receive timely updates as the debate unfolds and easy ways for you to stay engaged. And, of course, we’re here for you! If you have questions about what’s going on, please ask!
Last week, Georgia health advocates, service providers, and enrollment assisters combined forces for a day of learning, sharing, and planning at our second annual Getting Georgia Covered summit. In conjunction with the event, Georgians for a Future released a new publication focusing on key themes in consumer and assister experiences during the 2016 open enrollment period, best practices for outreach, enrollment, and reaching eligible Georgians who remain uninsured, and policy opportunities to increase enrollment, improve access to care, and address affordability issues. The report, Getting Georgia Covered: What We Can Learn From Consumer and Assister Experiences During the Third Open Enrollment Period, is intended to be a resource for health care stakeholders, advocates, and policymakers.
In addition to workshops that fostered collaboration between organizations and individuals working on behalf of health care consumers in different ways, we also featured presentations and remarks from Dr. Pamela Roshell, Region IV Director, US Department of Health and Human Services, Dr. Bill Custer, Director of Center for Health Services Research and Associate Professor, J. Mack Robinson College of Business, Georgia State University, Heather Bates, Deputy Director, Enrollment Assister Network, Families USA and Sandy Anh, Associate Research Professor, Georgetown University Center on Health Insurance Reforms. Jemea Dorsey, Chief Executive Officer for the Center for Black Women’s Wellness, and Sarah Sessons, Executive Director of the Insure Georgia Initiative of Community Health Works also offered their expertise and insights in a closing panel. In the coming weeks, we will release a publication highlighting promising opportunities to improve consumer health through collaboration, drawing on the discussions and ideas that came out of the workshops and discussions.
Getting Georgia Covered: What We Can Learn from Consumer and Assister Experiences During the Third Open Enrollment Period
With three annual open enrollment periods completed and a fourth one just around the corner, the Health Insurance Marketplace has become established as the avenue for purchasing coverage for roughly half a million Georgians. This report builds on last year’s Getting Georgia Covered: Best Practices, Lessons Learned, and Policy Recommendations from the Second Open Enrollment Period and focuses on understanding the characteristics of the people who have enrolled in marketplace plans and the experiences of consumers and the enrollment assisters who helped them. Their insights can inform the work of advocates, stakeholders, and policymakers to reach shared goals of reducing the uninsured, improving access to care, and addressing affordability for consumers.
Inside you’ll find:
- Key themes in consumer and assister experiences during the 2016 open enrollment period
- Best practices for outreach, enrollment, and reaching eligible Georgians who remain uninsured
- Policy opportunities to increase enrollment, improve access to care, and address affordability issues
Who doesn’t love to get mail? A hand-written note from a friend? An invitation to a wedding or surprise birthday party? A post-card from a family member enjoying their vacation in an exotic locale? Getting personal mail is not something that happens much this day and age, but still holds a lot of meaning to most people. If someone took the time to write you a letter to ask you to do something, wouldn’t that get your attention more than email? Now imagine that you got multiple letters asking you to do something from your friends, family members, and neighbors. That’s exactly what happened for a majority of Georgia’s state Senate and House members.
In July, Georgians for a Healthy Future mailed out stacks of post-cards to Georgia’s state legislators. These were not any post-cards. These were the postcards that GHF, with the help of the Cover Georgia Coalition, had been collecting over the past few years asking legislators to close the coverage gap. These postcards were signed by Georgians all across the state and were collected through outreach events, online petitions, and even Facebook ads. We collected more than 1100 postcards and sent them to legislators in every corner of the state. Many postcards included handwritten notes to their legislator asking them to close the coverage gap to help themselves, their family members, and fellow Georgians.
It’s not often that constituents are able to feel like they can directly communicate with their elected officials and this postcard project was intended to help give everyday people a voice for a topic that was important to them. More than 300,000 Georgians fall into the coverage gap and are unable to get affordable health insurance. Often these Georgians go without coverage and regular medical care. Many Georgians want to fix this issue and took the time to let their legislators know that they support closing the coverage gap. These postcards will have an impact as state legislators hear from their constituents that they want all Georgians have access to quality, affordable health insurance.
We will continue collecting postcards and sending them to legislators as we get them. If you haven’t signed a postcard yet, you can still do so by signing our online petition.
It’s been an exciting few weeks for Close the Gap advocates. We are pleased to see that several of Georgia’s leaders have expressed to the press that they are willing to take a second look at closing Georgia’s coverage gap. By closing the gap, they would help not only hard-working Georgians but also struggling rural hospitals and the communities that rely on them. We hope to work with our state leaders in the coming months to build further support and to find a solution that works for all Georgians. Below you’ll find links to articles covering the conversation happening at the Gold Dome.
Op-Ed: The irrefutable logic of Medicaid expansion for Ga.
AJC | June 22
Louisiana’s expanding Medicaid, and Georgia should too
Flagpole | June 22
Task force aims to reshape Georgia stance on health coverage
Georgia Health News | June 21
Will Louisiana’s Medicaid expansion provide a model for other states?
Georgia Health News | June 20
Why A Ga. GOP chair wants to ‘re-examine’ Medicaid expansion
WABE | June 15
Medicaid expansion remains divisive for Georgia Republicans
Associated Press | June 11
HOW YOU CAN GET INVOLVED
Email your legislator and tell them you support closing the coverage gap!
Did you know that you can find and email your legislators right from the GHF website? Just enter your address and we’ll find your state representative and senator! Send them a brief email telling them that the time has come for our legislature to come together to close Georgia’s coverage gap! Send your email here.
Need more resources on the coverage gap?
These resources will help you understand what the coverage gap is and what it means for you and the state.
Does your organization support closing the coverage gap?
Your organization can show its support by joining the Cover Georgia coalition. Email our Director of Outreach & Partnerships Laura Colbert for more information.
Ebenezer Baptist Church is a cornerstone of advocacy and social justice in Atlanta. On June 20th, Laura Colbert, Director of Outreach & Partnerships, was invited to join their Women’s Season celebrations to talk about the importance of closing Georgia’s coverage gap. She spoke to a crowd of about 60 women on a day when the theme was health and self-care.
In keeping with the theme, Laura discussed how the women and parents in Georgia’s coverage gap are often unable to access health care so that they can better care for themselves and their families. She also highlighted the connection between health care coverage and better financial health—an important consideration for the low-income Georgians stuck in the coverage gap. Finally, she highlighted that parents who have health care coverage are more likely to keep their kids covered too.
At the end of Laura’s time, Ebeneezer women signed coverage gap postcards to let their legislators know that they support closing the coverage gap. If you haven’t done the same yet, click here to raise your voice and let your legislators know that this is an important issue that you want addressed.
Georgians for a Healthy Future’s Executive Director Cindy Zeldin sat down with A Spirit of Charity author Mike King to discuss his new book on the role of public hospitals in America. Below is a Q&A that delves into some of the book’s major themes. On July 19th, Georgians for a Healthy Future will hold a book event in Atlanta with Mike King, providing a unique opportunity for the advocacy community to discuss the history and role of public hospitals in America and the direction of health policy in Georgia with the author.
Why did you decide to write this book?
I have been writing and editing stories about medicine and natural medicine like thai kratom powder and health care policy for about 30 years where they use different kind of medicines, you could for example this reach out to one!. When the newspaper business collapsed and I chose to leave it in 2009, I thought I’d just retire and take it easy. But when the Affordable Care Act passed in 2010 I realized I had the time, without daily deadline pressures, to tell a story about the most important effort at reform over the last 50 years and how it might play out right here in Atlanta and at Grady in particular,.
How do public hospitals serve as a window into America’s health system?
As the book hopefully makes clear, the people who show up in the emergency rooms and clinics of America’s public hospitals are the result of all gaping holes, political compromises and unintended consequences of decades of attempts to reform our health care system. Even in our noblest of efforts, we always seem to leave whole segments of our society behind. Donald Trump, in a candid moment earlier in the campaign when the media pushed him for more details about what his alternative to Obamacare would look like, frustratingly blurted, “Look, we won’t let people die in the streets, OK?” In some ways that’s been our baseline as a health care system from the start, which is why public hospitals were created. We don’t let our citizens die in the streets. They get sick in the street but, if they are lucky, we get them to a public hospital that hopefully will rescue them from dying before they return to the streets. That’s a harsh assessment, I know, and we do much better than that in many places thanks to the commitment of engaged local and state leaders, but there are too many places where the local public hospital seems expected to shoulder this burden on its own.
Four of the five hospitals profiled in your book are located in the South, and the role of Southern politicians in crafting U.S. health policy is explored throughout the book. Why a focus on the South?
Because the South is where the most problems are. Texas, Florida and Georgia lead the nation in the dubious distinction of having the most uninsured residents among all 50 states – mostly because all three have refused to expand Medicaid the way the ACA called for. Louisiana is high on the list too, but the new governor there is moving to try to expand Medicaid. Parkland Memorial Hospital in Dallas, Jackson Memorial in Miami, the University Medical Center in New Orleans (the replacement hospital for Charity) and, of course, Grady, all have to contend with a huge percentage of patients who are poor and uninsured and could be, should be, covered by Medicaid. That’s why I chose them.
Some public hospitals like Grady were established during segregation. The 1946 Hill-Burton Act, which catalyzed hospital construction, contained a provision permitting segregation in hospitals receiving federal funds. How does this legacy of segregation impact public hospitals today?
Hill-Burton was the first time federal law actually codified a separate-but-equal funding mechanism and it was inserted into the law specifically to get members of Congress from the South to go along. Rural hospitals around the South and more than a few in the suburbs were built in the 1950s and 60s with Hill-Burton money. Grady was rebuilt as a segregated hospital in 1958. After the enactment the Civil Rights Act in 1964 and Medicare in 1965 that changed. Segregated hospitals – public and private – stood to lose too much money that they would be getting for the care of previously uninsured elderly patients if they stayed segregated. But there is still a legacy to overcome. There’s a reason elderly Atlantans still refer to Grady as the Gradies, going back not that long ago to when there was a Black Grady and a White Grady, with black nurses taking care of black patients and white nurses taking care of white patients. It still complicates the public discussion about how best to finance and administer this particular public hospital. I suspect that goes on in a lot of communities around the South that share a similar legacy.
You write that public hospitals serve as a “pressure release valve” for our nation’s health system. What do you mean by this?
We often refer to these places as safety net hospitals. But I contend they are more than that. The existence of a single hospital in a community that is chartered or required to take in all patients regardless of ability to pay fundamentally alters the medical marketplace in that community. It allows those hospitals that compete with it to measure their anticipated level of charity care against their expected revenue from insured patients and come up with a formula that helps them stay healthy and able to grow. It is not that most of these competing hospitals don’t provide a responsible level of charity care. Most of them do. But it is always at a level they can afford to provide. Public hospitals operate on a totally different business model. They have to take all comers and the only way they can stay open is to get some level of funding from state and local taxes to offset their losses. Here’s another way of looking at it: If Grady had gone belly up in 2007 and 2008, all the uninsured and indigent patients it served would have swamped the emergency rooms of Piedmont, the Atlanta Medical Center, Northside, St. Joseph’s, Emory and DeKalb Medical as well as other hospitals, jeopardizing their ability to provide the level of services their business model calls for. The safety valve would have blown.
Information about Medicaid, the health care program intended to help finance care for low-income Americans, is interwoven throughout your book. How are the histories and fates of Medicaid and public hospitals intertwined?
They are the key to understanding each other because Medicaid patients make up a large portion of the patients who go to these hospitals. When Medicaid was enacted in 1965 the theory was that with a health insurance program now in place for the poor and with Medicare available to the elderly, our nation’s public hospitals would finally start getting paid for many of the services they had been providing on a charity basis. But unlike Medicare, Medicaid was hampered – I would argue fundamentally flawed – by a series of compromises to get it through Congress. States were given a much bigger role in determining how poor you had to be to qualify for Medicaid, how much they wanted to pay doctors and hospitals to provide services for Medicaid patients and indeed whether they wanted to participate in the program at all. (Arizona didn’t join Medicaid until the 1980s.) The result was a checkerboard of health care programs for the poor around the country, based largely on what the states decide. And in the South, Medicaid has been chronically underfunded at the state level and treated more like a welfare program. This is how Southern politicians get away with calling it a failure. They starve it for funds, make it difficult for low-income people to get covered by it, grossly underpay doctors and hospitals that take patients covered by it and then decry the program for not working and being inefficient.
America’s health system is characterized by fragmentation. Why do you think this is and what is the role of public hospitals in a fragmented system?
We’ve all heard it before. America has a sick care system, not a health care system. And that system is based on who pays for sick care, not necessarily how we can more effectively pay for care to help keep people healthy. The good news is that the ACA is moving in the direction of breaking down some of the silos that have developed over the decades in how we deliver and pay for health care, with an emphasis on moving away from paying a fee for specific services and toward paying for overall wellness. That’s good. But it will take years to see results. Public hospitals will need to move in this direction as well – and some of them are. Cook County’s Medicaid Program (County Care) is coordinating care with its community hospital and clinic network and the federally funded community health centers in Chicago. The initial results look encouraging. If it works it will not only save lives but help control the rise in costs. But public hospitals must adapt to these new models and remain, in most large cities, the sole providers of costly essential services like trauma, HIV/AIDS and behavioral health for those who are still uninsured.
You write that, if public hospitals didn’t exist, “We would have to invent them.” What would an America without public hospitals look like?
It would be fascinating to see, wouldn’t it? Public hospitals were created one hundred to one hundred and fifty years ago when it became obvious that the charitable institutions in large American cities could not meet the demand for care caused by yellow fever, cholera, pestilence and other public health threats, not to mention the population growth in cities after the Civil War. The almshouses and infirmaries, often staffed by religious women and funded by churches and community groups, just could not keep up. I suspect the same would happen today if we came to rely exclusively on the nonprofit sector to take over the responsibility for caring for the poor and uninsured. Even if we became enlightened and created a system of true universal insurance for all Americans, there would still be a need for expensive specialty areas. Trauma care, infectious disease programs, severe, chronic mental health services – these essential services now almost exclusively provided by public hospitals – I would suspect they would require some level of local and state financing at a public facility that would go beyond what they can expect in the way of revenue from a public insurance plan.
Grady is featured prominently throughout the book. What did you learn about Grady by writing this book that you didn’t know before?
That it is even bigger and more complicated and harder to manage than I ever dreamed. I think the current administration there is doing a really good job at getting the hospital positioned to be everything it can be. The quality of the specialty services there – trauma, neuroscience, neonatology, burn care, sickle cell, infectious disease – has probably never been better, and they get well informed visiting Litchfield Neurofeedback to learn about the benefits of Neurofeedback Therapy. The cancer program there, in addition to being first rate at the acute care level, is making great strides in the community in the much-needed area of early detection and treatment. That will go a long way toward reducing the disparities that exist in morbidity and mortality between white and black, affluent and poor residents of our community. But the hospital is still heavily reliant on the business and philanthropic community to grow, especially when it comes to capital improvements and equipment. That’s all been private money since the comeback started. State and county officials have yet to step up to the plate to help. If they are willing to help the Braves and the Falcons build new venues, they must be willing to step up to help Georgia’s most important hospital build and grow and provide essential services.
What role does Grady serve in health care policy in the state of Georgia?
The state needs to recognize Grady is a statewide institution, if for no other reason than it is the training ground for about one in every four doctors practicing in Georgia. I’ve often wondered whether the state’s relationship with Grady would be different if it had been affiliated with a state medical school instead of Emory and Morehouse – two private medical schools. Perhaps then it would have paid more attention to it. Even though Grady gets patients from almost every one of Georgia 159 counties, it isn’t realistic to think the state must subsidize indigent patient care there, but it could do much better and providing funding for the specialty services that Grady provides to all Georgians – trauma care, burn care, infectious diseases, etc. And, of course, it should expand Medicaid coverage so that Grady and all other hospitals in the state that have a heavy load of uninsured patients will at least have an opportunity to recoup some of their costs.
Where do you think Georgia is headed on health care policy?
I think we’ll expand Medicaid. Eventually. After President Obama is in the rear view mirror. We’ll call it something else so it doesn’t sound like it is part of Obamacare. But we will have squandered $3 to 5 billion and 100 percent federal funding to make this impetuous political statement, and no telling how many Georgians – one study puts it at 1,200 lives a year – who died because they lived in a state where they should have, but were kept from, enrolling in Medicaid. With a little political vision – and the help of advocates and experts – my hope is that we could create a Medicaid program that isn’t so fragmented; that fully integrates primary care and acute, hospital care; that reorganizes local hospitals and health departments into a true public health system that helps people stay healthy and when they get sick have no barriers to the care that they need. That shouldn’t be a pipe dream in a country as wealthy and smart as ours. That should be a working reality. On the other hand, try to visit what is a medium.
Rural Georgians experience health disparities on multiple dimensions: they are less likely to have job-based health insurance, may have to travel long distances to seek medical care, and experience higher rates of chronic health conditions than their suburban and urban counterparts. Compounding these challenges, several rural hospitals have closed their doors in recent years and others are at risk of closure.
While there are no easy answers to Georgia’s rural health crisis, an array of stakeholders including policymakers, the philanthropic community, health care providers, local community groups, and advocates have been exploring ways to strengthen our state’s rural health infrastructure.
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As part of its Two Georgias initiative, the Healthcare Georgia Foundation recently released its findings from a “listening tour” with health care providers and policy organizations in Georgia, including Georgians for a Healthy Future. The report offers a window into what practitioners and policy advocates are thinking about the direction of rural health care and the use of Hidrex for excessive sweating and how it can be improved. Check out the write-up to learn more about rural health and about how Georgians for a Healthy Future’s campaign to close the coverage gap in Georgia fits in.
You can stand with us by sharing this infographic with your social network. Use sample tweet: Our rural hospitals are hurting – but it does’t have to be that way. It’s time we accept federal #funding to #closethegap.
Provider directories, or the listing of health care providers that are participating in a particular health plan, are intended to inform patients and consumers about which doctors are in their plan and how they can contact them to set up an appointment. For these directories to serve as the tool that consumers need, they must be accurate and up-to-date. A secret shopper survey conducted by the statewide consumer health advocacy organization Georgians for a Healthy Future, however, found these directories to be error-ridden, a problem that places consumers at risk when they seek to access an appropriate in-network health care provider. An analysis of four provider directories associated with plans offered by three of the state’s largest insurers found:
» Three-quarters of the listings had at least one inaccuracy (not in-network, not accepting new patients, not practicing at the location listed, inaccurate or inoperable phone number, or languages spoken inaccurately listed)
» One in five health care providers listed as participating in a plan’s network were not; in one directory forty percent of the providers listed were not actually participating in the plan » Among the providers who were confirmed to be in-network, thirteen percent were not accepting new patients; in one directory one in four confirmed in-network providers were not accepting new patients
» Fifteen percent of telephone numbers associated with providers listed in the directories were inaccurate or inoperable
These inaccuracies and usability limitations make it difficult for health care consumers, particularly those who haven’t had insurance before, to find and access an appropriate medical care provider. Setting basic standards for provider directories and protections for the consumers who rely upon them would go a long way towards making provider directories the tool that patients and consumers need when they shop for and use their health insurance.
Download the full set of findings here.
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