KNOW
From the CEO
For as long as economic development practitioners have existed, there have been certain benchmarks that have guided us in our pursuit to attract prospects to our location. Proximity to an interchange, water and sewer, adequate power, a sufficient labor pool, quality of life, among some others are typically the issues that govern our efforts in varying levels of priority. Over the past decade, quality of life has become a significant focus as employers have prioritized this to ensure their workforce can assimilate to an area that provides the basic needs for everyday life. Like anyone looking to move to a new location, good schools, higher education options, lower crime statistics, weather, and yes health care infrastructure have become major influencers in the final decision companies make to locate or expand their operations. After all, it has been proven time and again that a happy and healthy workforce increases productivity at the workplace. With an aging population among other factors like cost, access, fitness, and adequate insurance coverage, healthcare is an area that requires our attention. As economic developers, it can be a deciding factor for those considering locating here. Healthcare is varying; it can be complicated, labor intensive, costly and beyond reach for some making it a major issue for our society in general as well as critical business consideration.
In this addition of In The Know, we delve into a range of topics in the healthcare field that can provide some insight to help you in your healthcare decision making for your business and personal needs. It has a profound impact on how we all conduct our daily lives and make business decisions. Thank you to all of our investors that provided content for this edition as well as those who have helped us with other important topics we have covered in the past. We continually receive great feedback from all of you and strive to continue to provide meaningful information that you all find useful.
Finally, we appreciate your investment in The Partnership for Economic Development in Sullivan County. You have helped us grow as an organization, provided steady support which helps us work toward our economic development goals.
With great appreciation,
Marc Baez CEO
Building projects that build community
At LeChase, our reputation for integrity, safety and quality has earned us the privilege of building projects – large and small – that continue to shape the future of Sullivan County. Whether a project is in healthcare, K-12, higher education, commercial, manufacturing, hospitality or housing, we are proud to support efforts that make the community an even better place to live, work and learn.
TCFD President & CEO, Dr. Terry Hamlin, interacting with a student at the Children’s Specialty Hospital.
A Future-Forward Approach to Specialty Care for Children with Complex Conditions:
The Center for Discovery’s New Children’s Specialty Hospital
By Keith Rico, LBA, BCBA, LMHC, Chief of Training and Program Development and Courtney Gold, Director of Marketing at The Center for Discovery
The Center for Discovery® (TCFD) is a non-profit, nationally known provider of comprehensive healthcare services for 1,200 children and adults with complex conditions, medical frailties, and autism spectrum disorders. Located on a multi-campus setting in the Catskill Mountains of Sullivan County just 90 miles northwest of New York City, TCFD offers innovative educational, medical, clinical, residential, nutritional, creative arts, and recreational experiences designed to enrich individuals’ lives through personal accomplishment. For over 50 years, TCFD has been a pioneer in whole-person care for individuals with complex conditions.
Led by Dr. Terry Hamlin, President & CEO, The Center for Discovery’s mission is to build a compassionate and connected community with cutting-edge care and education for the most medically and behaviorally complex individuals. The Center’s team of innovators come from diverse disciplines in the fields of education, research, medicine, nutrition, farming, and the arts. Utilizing the latest science, data, and analytics, The Center for Discovery has built a model that aims to improve health and enrich life for all.
At the heart of this model is The Center’s unique approach to care by way of the HealthE6® Model, a data-driven, interdisciplinary framework designed to enhance health, learning, and independence. This model guides not only clinicians, educators, and other staff at The Center, but engages families, and caregivers in delivering intentional, sustainable treatment that
evolves alongside an individual’s needs. Here at The Center for Discovery, we strongly believe that transformation happens when we focus less on limitations and instead, direct our energy toward all the possibilities we can create – together. We believe growth and learning impact not only those in our care, but also the families and staff members who are part of the journey.
Our Comprehensive Approach to Optimizing Health, Functioning, and Learning: The HealthE6 Model
The Center for Discovery’s HealthE6 model integrates six key pillars to create a foundation for assessment, intervention, and long-term progress for each individual in The Center’s care. A proactive evaluation process ensures that medical, behavioral, and environmental factors are continuously assessed, allowing for adaptable interventions. Thoughtfully designed therapeutic environments provide stability and structure, while a focus on nutrition, through The Center’s Food is Medicine® program, integrates dietary planning into holistic treatment strategies. Energy regulation techniques promote physical activity and healthy sleep cycles, reinforcing daily rhythms that support individual lifestyles. Emotional regulation strategies enhance self-awareness and self-worth, enabling individuals to face challenges more effectively. Underpinning all these elements is a commitment to evidence-based practices, translating research into real-world applications that improve outcomes within TCFD and beyond.
This holistic model has transformed countless lives, helping individuals develop essential skills, reintegrate into educational settings, and achieve greater independence at The Center and within their communities. The success of the HealthE6 throughout decades of work was instrumental in shaping the vision for the Children’s Specialty Hospital, a groundbreaking facility designed to extend these principles into short-term inpatient care for children and young adults.
The Center for Discovery’s Lifestyle Medicine Approach –the HealthE6 Model.
HealthE6 in Action: Transforming Lives Through Innovation
The effectiveness of the HealthE6 model is evident in real-world applications. One child, initially thought to have a purely behavioral disorder, exhibited severe aggression. A comprehensive evaluation revealed undiagnosed gastrointestinal issues, and with targeted medical and dietary interventions, aggression decreased significantly, leading to improved school and home integration. Another child, who struggled with extreme anxiety and avoidance, benefited from structured movement sessions that gradually increased engagement in education and therapy. A young teenager
A First-of-Its-Kind Children’s Specialty Hospital: A Statewide Facility for Complex Disabilities
The Children’s Specialty Hospital, which opened in December of 2024, is a world-class facility dedicated to short-term, inpatient assessment and treatment for individuals aged 5-21 with complex medical and behavioral challenges, such as autism. Unlike traditional hospitals, this facility goes beyond treating symptoms; it uncovers and addresses the root causes of behavioral and learning difficulties. By integrating medical, psychiatric, behavioral, and educational services, the hospital ensures that children achieve stability and long-term success, facilitating smoother transitions back into their homes, schools, and communities.
Prior to its opening, The Children’s Specialty Hospital’s model of care has been developed over four decades by The Center for Discovery’s distinguished team of medical professionals, therapists, teachers, and nutritionists. Today, the Hospital allows us to extend TCFD’s model of care to families throughout New York State and the country, with a goal of keeping families together longer, and reducing the need for long-term residential placement for their loved one.
with self-injurious behaviors and aggression learned to monitor her own emotional responses, eventually gaining the ability to request breaks and self-regulate, which enabled her to transition successfully into employment after completing the program.
These success stories reinforced the urgent need for an intensive, short-term assessment and treatment program – an intervention that the Children’s Specialty Hospital now provides as a critical part of New York State’s continuum of care.
The hospital’s approach includes comprehensive behavioral and medical assessments that evaluate how underlying medical, sensory, and environmental factors contribute to behavior. A multidisciplinary team of specialists—including behavior analysts, nurses, psychiatrists, educators, and clinicians across multiple disciplines—collaborates to provide individualized care. The hospital also operates a certified day school program, ensuring that children continue their education while receiving treatment. Additionally, families, teachers, and community providers receive hands-on training to help maintain progress after their child is discharged.
The ultimate goal is to prepare children for discharge to the least restrictive environment possible, keeping them close to home and actively engaged in school and community life. Staff at the Hospital employ
The medically fragile unit at The Center for Discovery’s Children’s Specialty Hospital: Rock Hill, NY.
data-driven strategies to establish measurable goals, ensuring meaningful, socially significant outcomes for each patient.
As NY Senator Charles Schumer recently said, “The Center for Discovery’s Children’s Specialty Hospital will provide critical life enhancing care to children and teens and be a beacon of hope in Sullivan County for generations to come. The impacts of the discoveries and systems of care made at this facility will stretch far beyond the Hudson Valley to help thousands of kids across America and the world. I was proud to deliver the historic federal investment to jumpstart this new first-of-its-kind hospital paving the way for a healthier future for vulnerable young patients and brighter future for the Hudson Valley, and I deeply appreciate the partnership of Governor Hochul and New York State legislative leaders in making this facility a reality. The Center for Discovery is a pillar of the Sullivan County economy, and this new hospital will create 400+ jobs while expanding the world class care provided here at the Center. Governor Hochul has been a tremendous partner and thanks to our team effort the dream for this facility that started so many years ago is finally a reality.”
A Campus Designed for Holistic Growth
Funding for the Children’s Specialty Hospital project was made possible through a $48 million low-interest loan from the U.S. Department of Agriculture (USDA) Office of Rural Development’s Community Facilities Program, that Senator Schumer a longtime TCFD advocate helped secure, as well as a $4 million investment from New York State’s Empire State Development.
Located on TCFD’s Rock Hill Campus, the hospital is
surrounded by state-of-the-art facilities that integrate healthcare, education, nutrition, research, and workforce training. The campus features a certified school program serving both hospital patients and K-2 students from the surrounding community, an Article 28 Health Clinic offering primary and specialty care, and a café and training kitchen dedicated to nutritional education. The Alemany Learning Center serves as a TED-style training hub for best practices in clinical specialties across the state and country.
An aerial view of The Center for Discovery’s Discovery Health Center (Rural Health Clinic) and Carrus Institute: Harris, NY.
Future developments on the campus will include a Food is Medicine Greenhouse, advancing research on sustainable therapeutic nutrition; therapeutic healing gardens and trails designed to support sensory and physical well-being; and an Advanced Medical Care Demonstration Project, a 40-bed facility providing lifelong support for aging adults with medical fragility.
This 40-bed skilled nursing facility will expand The Center for Discovery’s capacity to provide continuous, compassionate care to aging residents in a specialized
residential environment. Currently, a significant gap in services leaves this population with limited care options as they age. This facility will reshape the care landscape for aging adults with disabilities, improving their quality of life while reducing strain on hospitals by addressing both medical and emotional needs. Families will also have peace of mind knowing their loved ones are cared for across the lifespan in a safe, familiar environment.
Transforming Lives: Early Success Stories at the Children’s Specialty Hospital
Though newly opened, the hospital is already having a profound impact. One teenager, isolated from school for three years due to severe aggression, is now attending classes daily with structured support. A young boy, whose verbal communication had significantly deteriorated due to medication side effects, regained conversational speech after
targeted medical, speech, and social interventions. Another teenager, previously unable to engage with family members due to frequent meltdowns, is now participating in structured activities with parents and siblings, rebuilding meaningful relationships and forming new friendships.
Looking Ahead: Shaping the Future of Pediatric Specialty Care for Those with Complex Conditions
The Children’s Specialty Hospital’s influence extends far beyond its walls. Through its Research Institute & Innovation Labs, TCFD is at the forefront of studying the links between medical conditions and behavior, examining how underlying gastrointestinal, neurological, and immune system dysfunctions contribute to behavioral challenges. The hospital is also advancing assistive technology, developing wearable sensors, AI-driven behavior analysis tools, and communication devices to enhance independence. Additionally, TCFD is collaborating with hospitals,
schools, and policymakers to scale evidence-based interventions nationwide.
As TCFD continues to innovate, the Children’s Specialty Hospital stands as a national model, redefining pediatric specialty care for individuals with complex developmental disabilities and demonstrating how integrated, interdisciplinary approaches can transform lives. Its success proves once again that what happens here truly matters everywhere.
Scenes from a classroom at the Children’s Specialty Hospital.
Finding Hope for Families: Admissions at The Children’s Specialty Hospital
For children with autism and complex medical or behavioral challenges, finding the right care can be a daunting journey. Families often struggle to uncover the underlying medical, sensory, or physiological factors contributing to their child’s difficulties, and The Children’s Specialty Hospital is changing that reality. Already, the hospital is seeing incredible success stories - children returning to school after years, showing improvements in communication, and reconnecting with their families in ways they never thought possible. The Children’s Specialty Hospital is more than a place of treatment, it is a beacon of hope for a brighter future. We invite families, educators, and healthcare providers to learn more about how this innovative model of care is transforming lives.
For more information about our services, including the admissions process, and how to connect with our team, please visit www.thecenterfordiscovery.org or contact us at 845.707.8889.
Transforming Lives and the Local Economy: An Economic Pillar in the Local Community
Beyond its clinical and educational contributions, TCFD plays a significant role in the economic and social landscape of Sullivan County and New York State. Between 2010 and 2019, TCFD generated over $1.7 billion in economic activity for New York State. As the largest private employer in Sullivan County, TCFD employs 1700 individuals across a variety of roles from clinicians, nurses, and educators, to farmers, chefs, administrative positions, and more. In 2019, TCFD’s operations contributed $249.7 million to New York’s economic output, supported 2,367 jobs, and generated $13.2 million in state and local tax revenue. Within Sullivan County specifically, The Center contributed $194.1 million, supported 2,193 jobs, and generated $9.5 million in state and local tax revenue.
The Center for Discovery proves time and time again that its economic impact and vision continues to be a positive force for change not only in Sullivan County, but across the state.
Showcasing Our Work on a National Level
In late 2024, The Center for Discovery was featured in an inspiring segment on the CBS News broadcast, CBS Saturday Morning, showcasing its transformative nutrition program and innovative approach to care. Dr. Jon LaPook, CBS News Chief Medical Correspondent, was the correspondent on the story.
The poignant story highlighted the life-changing impact of TCFD’s holistic model, focusing on The Center’s groundbreaking nutrition program designed
To watch the segment, please visit:
Learn More About our Children’s Specialty Hospital:
to support a healthy lifestyle. The story follows the Bove family, who shared their personal journey of hope, healing, and transformation after their son, Tommy, a 20-year-old with autism, was placed in TCFD’s pediatric residential program. Thanks to The Center’s specialized care and therapy, Tommy is thriving. “This is the best place for him. This is the best thing that’s ever happened to him,” said his parents, highlighting the profound difference The Center has made in their lives.
Ready to Start your Career with The Center for Discovery? Join Our Team:
Misconceptions of the Duck
—You CAN Afford to Offer Your Employees
Supplemental Insurance
By Nicole Harper Nicole_fichthorn@us.aflac.com 845-661-0345
OH, AFLAC! “I already have health insurance.”
“My employees are all covered through their spouses.”
“My employees don’t want to pay for more insurance.”
“We can’t afford to offer more benefits.”
And the list goes on with all of the things that owners and employees say when they see the Aflac person approaching them. But wait, it isn’t as bad as it seems, and we LOVE to educate you on how this actually works! With all of the insurance companies out there, it is no wonder companies have gate keepers slamming the phone down as soon as they hear a possible sales pitch. It’s easy to assume things in this industry. A lot of insurances ARE very costly and energy draining. I promise though, “THE DUCK” can truly help when someone is in need. But what IS Aflac? I always see the commercials but have no idea how it works. That’s where we come in!
Everyone has a different family dynamic and need when gauging interest among the employees. Maybe there is an employee about to start a family, or someone who has a strong history of cancer, or a dad who has kids playing sports getting hurt all the time. We likely have a policy, that won’t cost them much, and will pay them CASH whenever these things occur. Because we work with the business itself, there are all types of benefits to bringing us in. Payroll tax savings for one, a solution to retention for some businesses, because now you can offer a voluntary benefit that can truly be lifesaving in some cases. A big question that always gets asked, “Does Aflac actually pay?” YES! We have a claims administrator to help with that process too. We want to make it as easy as possible to make sure you are using the policies you are getting.
With plans like Cancer, Accident, Hospital, Short Term Disability, Dental, Life and even group Dental and Vision now being offered, Aflac certainly has a broad array of solutions for everyone. We encourage companies to be open to listening and learning, to understand why your business would offer this and go from there.
Education is key, so having a quick staff meeting with coffee/donuts/pizza is how we recommend proceeding to gauge interest. By letting us explain exactly how these policies work, it will erase any of the misconceptions that are happening from the beginning. Our first meeting with a business owner is always to uncover the solution. Every business is different and will have a different need. We like to understand all the details and opportunities where we can help, not just sell, sell, sell. It makes a big difference who you are working with. It is also hard to know right from the get go what you are getting. So, let’s get to know each other, how your business works and how we can work best together. We look forward to getting to know your business next!
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• Stormwater Inflow and Infiltration (I&I)
• Hydraulic Modeling
• Community
• Economic Development Analysis
• Geographic Information Systems (GIS)
• Permitting and SEQR/NEPA
• Electrical and Control Systems
• Public and Industrial Buildings
Understanding Medicaid for Long Term Care
By Michael Wagner, Esq. Partner — J&G Law, LLP
Estate Planning, Elder Law, Wills and Trust, and Medicaid Divestiture
Medicaid planning can be a critical tool in addressing astronomical long-term care costs. Every American over the age of 65 is eligible for Medicare, but Medicare only covers up to 100 days of long-term care. After that, absent long-term care insurance, most people are forced to consider paying out of pocket. This is why there are so many stories about people losing their homes and savings to the cost of care. But it doesn’t have to be this way. With the right planning, you can position yourself to qualify for Medicaid and protect assets for your family.
The Medicaid Asset Protection Trust (MAPT) is an essential facet of elder law planning. It is a type of irrevocable trust. The trust’s Grantor (creator) should not also manage the trust as its trustee. This role is usually delegated to an adult child or another responsible party. The trust’s Grantor can
reside at the trust’s real property and enjoy income from the trust, but he/she cannot cash out and spend the trust principal. While this is unsettling for some, the benefits usually outweigh initial concerns, and there is far more flexibility than the term “irrevocable trust” suggests. The Grantor can change beneficiaries and trustees, claim STAR and other property tax exemptions, sell real property (with the trustee), and continue to live normally. Moreover, under New York State law, there is a path to revoking an irrevocable trust, should life circumstances significantly change.
When someone divests their assets or makes a trust for the purpose of Medicaid planning, there is a waiting period (known as a “look back”) of five years before he or she qualifies to receive Medicaid to cover nursing home care. For example, someone
who made and funded a trust on January 31, 2025 will be eligible for Medicaid coverage on February 1, 2030. When a nursing home patient applies for Medicaid, he or she is required to produce bank statements and other financial records going back 60 months. If these records show transfers to trusts or other entities, this will likely impair Medicaid eligibility.
Medicaid is not just for skilled nursing facility care. Community Medicaid (care in the home or in some assisted living facilities) is another option. It does not have the same five-year look back period required for skilled nursing care. It will not necessarily provide facility level care at home, but it can be just enough for what some people need to stay home and age in place amongst family, rather than live in a health care facility.
There are also numerous emergency Medicaid planning strategies for people in immediate need. Sometimes a loved one is imminently entering a skilled nursing facility, and he or she has not completed advance planning. If there is a healthy spouse living at home, corralling the assets in the spouse’s name and executing a “spousal refusal” can often protect almost everything. For a single person, a strategy of gifting and loaning certain assets, pursuant to a mathematical formula, can protect approximately half of someone’s net worth.
It is important to consult with an attorney who focuses on elder law to discuss Medicaid planning and strategies. There are many rules, exceptions to the rules, nuances, and exemptions to evaluate and consider.
Garnet Health Medical Center – Catskills:
A Bright Future Founded on a Proud Past
Garnet Health Medical Center – Catskills has proudly served Sullivan County for more than 50 years. As the only hospital in Sullivan County with two locations, they are committed to providing high-quality, compassionate care to our community, offering a wide range of medical services. These services include critical-access emergency care, surgical procedures and specialized treatments to meet the evolving healthcare needs of the community. Grover M. Hermann Hospital opened in Callicoon in 1971, and the Harris campus opened its doors in 1977. As a key member of the Garnet Health System, Garnet Health – Catskills assists in providing services to approximately 500,000 residents in
Sullivan, Orange and Ulster counties. Although Garnet Health – Catskills has changed names over the years, it remains an independently owned health system designed to improve the quality, stability and efficiency of healthcare services in the Catskills and mid-Hudson regions. Additionally, the board of directors comprises community members who live and work in the areas served. Their deep connection to the community uniquely positions them to make decisions that prioritize the well-being of our neighbors, friends and families while ensuring the hospital’s financial stability.
Catskill Harris Campus
“Sullivan County has a proud heritage of providing exceptional care. Everything we do—and all that we are today—is built on the commitment to quality care laid down before us and to the dedication of countless providers who called Sullivan County their home. We build on their legacy as we look toward a strong and bright future.”
— Jerry Dunlavey, Chief Executive Officer, Garnet Health Medical Center – Catskills and Garnet Health Vice President of Operations
A Strong Commitment to Sullivan County
In an ever-evolving healthcare landscape, the perception of how—and where—care is received can be confusing. Garnet Health – Catskills’ care model is straightforward and has not changed. They are committed to Sullivan County, annually performing approximately 400,000 outpatient visits and discharging 3,700 inpatients.
In Sullivan County, Garnet Health’s presence is significant. While Garnet Health – Catskills’ two hospitals provide inpatient and outpatient services by approximately 300 employed and privileged providers and more than 600 staff, Garnet Health Doctors offers convenient access to primary care, urgent care and multispecialty providers throughout the county.
Despite a nationwide physician and nursing shortage, Garnet Health continues to actively recruit to fill important positions. Just recently, they welcomed surgeon and wound-care specialist Lauren Licata, MD, who joins general surgeon Andrew Knauer, DO, to provide more surgical procedures in Sullivan County.
Garnet Health Medical Center – Catskills, Harris Campus Services
This 154-bed community hospital in Harris is accredited by Det Norske Veritas, more commonly known as the DNV, and offers a wide array of inpatient specialty services, including a critical care unit, designated stroke center and birthing center, as well as behavioral health, physical therapy and general surgery services. The facility also offers several outpatient services, which include but are not limited to:
• Behavioral health
• Cancer care and infusion therapy
• Cardiac testing and rehabilitation
• Diabetes center
• Diagnostic imaging with 3D mammography
• Emergency care
• Outpatient laboratory services
• Physical/occupational/ speech therapy
• Wound care
Jerry Dunlavey, CEO Garnet Health Medical Center
Catskill Harris Campus
Garnet Health Doctors
Garnet Health Doctors Primary Care and Family Medicine has locations in Callicoon, Livingston Manor and Monticello. They treat all members of the family, from children to seniors, while also providing women’s health services—such as gynecological, breast and family planning—offering care from puberty to menopause. As patient volume at these locations grows, Garnet Health Doctors focuses on hiring key clinical staff to increase access to care.
For example, at the Callicoon location where Christina Wood, FNP, practices, patient volume has increased substantially since 2023, which required hiring an additional provider. After a rotation under Christina’s leadership and five years as an ICU nurse at the Harris Campus, Kaitlin Slater, FNP, joined Garnet Health Doctors to provide primary care and family medicine services to the growing Callicoon patient population. Both Christina and Kaitlin are deeply committed to the health of Sullivan County, as reflected in Christina’s recent recognition by the readers of The River Reporter, who voted her Best Family Medicine Provider in Sullivan County.
Additionally, certified physician assistant (PA-C) Madjeanna Brutus joined the primary care and family medicine team to work alongside David Morcos, DO, and Brynn McKeon, PA-C, at the practice’s Monticello location. Also at that location is Garnet Health Doctors’ thriving Urgent Care, an Accredited Urgent Care Center by the Urgent Care Association.
All Garnet Health Doctors primary care locations have received Patient-Centered Medical Home Recognition from the National Committee for Quality Assurance (NCQA) for using patient-centered processes that focus on long-term relationships. This prestigious distinction shows that their providers are dedicated to helping patients take charge of their care.
Garnet Health Doctors offers several multispecialty services at Garnet Health Medical Center – Catskills, Harris Campus, such as:
• Behavior health
• Cardiology
Critical care
• Gastroenterology
• General surgery
• Neurology
• Orthopedics
Pulmonary
• Sleep medicine
• Urology
Christina Wood, FNP (PA-C) Madjeanna Brutus
David Morcos, DO
Lauren Licata, MD
Monticello Practice
Benefits of a Health System
As a health system, Garnet Health is greater than the sum of its parts. The system comprises Garnet Health Medical Center –Catskills, Garnet Health Medical Center, Garnet Health Doctors, Garnet Health Urgent Care, Garnet Health Foundation and Garnet Health Foundation – Catskills. While each of these entities stands on its own, being a network means care is continuous and fluid— and perhaps most importantly, always close to home.
“As our patients recover, there is nothing more important than allowing them to be close to family and friends,” says Dunlavey. “It is not always financially feasible to offer duplicate services at each hospital. That’s why being part of a system works for a community. It means we can offer award-winning and state-ofthe-art care throughout our health system, which allows families to be much closer to their loved ones and not have to drive to New York City, Albany or Westchester for care.”
Heart Care Close to Home
One example of this is the launching of Garnet Health’s open-heart surgery program. Heart disease is a leading cause of death in both Sullivan and Orange counties. Garnet Health Medical Center’s award-winning Peter Frommer, M.D. Heart Center has experienced cardiologists, specialists and advanced technologies to help diagnose, treat and rehabilitate residents of Sullivan and Orange counties—and beyond—who are in need of advanced heart care, such as structural heart services and cardiothoracic surgery.
“Our patients can receive the full spectrum of cardiac care within 35 miles, and do most of their rehabilitation here at Garnet Health – Catskills, close to home,” explains Dunlavey.
“We are keenly aware of how important it is to have these services in our own backyard. We find it incredibly exciting that by offering many of these heart procedures, we are bringing New York City expertise to our region.”
Grover M. Hermann Hospital, Callicoon Campus Services
Located in Callicoon, this 15-bed critical-access hospital, also accredited by the DNV, provides award-winning care, swing bed service and several outpatient services, including:
• 24-hour emergency room coverage, with prompt patient examination and treatment
• Bone-density testing
• Inpatient hospitalization services
• Inpatient physical rehabilitation
• Outpatient infusions by appointment
• Outpatient laboratory services
• Outpatient radiology services, including CT scans
• Outpatient rehabilitation services, including physical therapy, speech therapy, pediatric early intervention and occupational therapy
• Skilled nursing services
• Step-down recovery care (also known as the swing bed program) for transitioning from acute care to rehabilitative care
• Teleburn services
Grover M. Herman Hospital
Shaping the
Future
of Healthcare: Garnet Health as a Teaching Institution
Garnet Health maintains an academic environment committed to the highest standards in education and patient care by offering graduate and undergraduate training, as well as educational partnerships with the Touro College of Osteopathic Medicine, SUNY Sullivan, Sullivan BOCES and SUNY Orange. Garnet Health’s seven residency programs have obtained accreditation from both the American Osteopathic Association (AOA) and the Accreditation Council for Graduate Medical Education (ACGME). The process was arduous, but by obtaining teaching accreditation, Garnet Health has
opened the door to physicians worldwide to train with the organization over a few years.
Living and working in the Catskills and mid-Hudson region while training offers an opportunity for these physicians to invest in the communities they are serving during their residency. Rotations at all Garnet Health locations in Sullivan and Orange counties also provide the opportunity for residents to gain a deeper understanding of rural health, which may inspire them to pursue a career here—and call it home.
Garnet Health Gives Back to the Community
Community programs are offered throughout the region, consisting of wellness initiatives, preventive care, education programs and outreach services tailored to meet local health needs.
• Cancer Screenings are offered throughout the year to those who qualify.
Charity Care and Assistance provides financial assistance or low-cost care for uninsured or under insured patients.
• Comfort Closet provides toys, clothing, shoes and other items for patients in need.
• Diabetes Prevention Program is a research-based, structured life style-change program proven to help prevent or delay the development of Type 2 diabetes.
• Food Farmacy offers three days of shelf-stable food (generously donated) upon discharge to patients who screen food insecure.
• Fresh Rx is offered in partnership with Cornell Cooperative Extension to provide access to healthy, locally grown food and guidance on healthy eating habits.
• Know Your Numbers is a free mobile service that determines the risk of heart disease or signs of stroke.
• Pack-n-Plays are provided upon discharge to parents in need of a safe-sleep option for their newborn.
Being a Nonprofit Matters
As a nonprofit health system, every penny made is a reinvestment back into Garnet Health’s hospitals, in addition to the federal, state and local tax exemptions. Ideally, this means investing in expanded services, new technology, staff and more community programs. However, some of the challenges faced by Garnet Health – Catskills prevent them from doing so, such as the aging infrastructure at the Harris Campus. Due to the facility’s age, repairs and maintenance can be complex and costly. Additionally, reimbursement rates for Garnet Health – Catskills are significantly lower than those in Orange, Westchester and Rockland counties, as well as New York City.
While Garnet Health – Catskills remains committed to providing care to all patients, regardless of their ability to pay, the financial strain of covering the high costs of treatment is an ongoing challenge.
“Building
for a better Garnet Health – Catskills future means investing in Sullivan County’s healthcare,” says Dunlavey. “The reality is, an endeavor like this is very difficult to fund.”
“Envisioning the future” — A rendering of the
Garnet Health Is Here to Stay
“What’s the one thing I cannot stress enough?” asks Dunlavey. “Garnet Health is not going anywhere. Every decision we make is for the betterment of our patients and our families, as well as our staff. We are working toward an exciting future that includes building a brand-new hospital here in Sullivan County. We understand the challenge ahead, and we continue to push forward.”
In 2019, Garnet Health – Catskills began the process to determine the feasibility of building a replacement hospital for the Harris facility, in Sullivan County.
Although the pandemic put plans on hold for a few years, the process resumed in 2023. The feasibility study was updated to reflect the post-pandemic reality of hospital operations provided by Halsa Advisors, a hospital planning firm with specialized expertise in planning for rural community hospitals. They concluded that while the current hospital is perfectly safe, it needs to be replaced with a design that conforms to contemporary standards, one that provides space for both a healing environment for patients and families and for new technology.
proposed new hospital for Garnet Health Medical Center - Catskills showcasing a modern, patient-centered facility.
“Most importantly, we need to improve the patient experience, and that means building a hospital with all single-patient rooms,” explains Dunlavey. “We need rooms that will accommodate every patient’s comfort but also allow room for clinicians to do their best work—and for family members to provide support with ease and privacy.”
Because the Harris Campus is an aging building, improvements need to be made. The study concluded that it would actually cost more to renovate and repair the building, depleting much-needed funds for new equipment and other capital investments.
“We talked about a location for the new hospital and are looking to build in an area closer to public transportation,” says Dunlavey. “This is because we know that lack of transportation is an ever-present barrier to care for many Sullivan County residents.”
Building a new facility is another opportunity to think larger. Garnet Health – Catskills seeks to build a destination campus. In addition to offering the care and services patients expect at a hospital, the campus could also be home to vital health and human services provided by other county organizations, allowing for a true continuation of care for patients. These recommendations have the full support of many key stakeholders, and their invaluable input has been appreciated.*
Two Locations, One Commitment: Keeping You Well.
Garnet Health Medical Center – Catskills is passionate about your well-being. With deep roots in the communities we serve, backed by comprehensive treatments, our two locations offer the exceptional care you deserve. garnethealth.org
Harris Campus: 68 Harris Bushville Road • Harris, NY 12742
Callicoon Campus: 8881 Route 97 • Callicoon, NY 12723
“It is our desire to build something new and transformative,” says Dunlavey. “We are thinking about not only what is right for our community but also a design that could be replicated in other rural communities around the state and country.”
Garnet Heath – Catskills has submitted a NYS Transformation IV Grant requesting $14.9M to be used for land acquisition as well as architectural and engineering planning. A decision on the award is expected in the first quarter of 2025.
“Garnet Health – Catskills plays a vital role in Sullivan County’s healthcare ecosystem,” concludes Dunlavey. “This ecosystem consists of various important and interconnected parts. We have 50 years of history guiding us to a sound future that will keep us all connected, as long as we continue working together for the improved health and well-being of the communities we are honored to serve.”
Garnet Health – Catskills met with many key Sullivan County stakeholders to solicit input and feedback on the future hospital and services. Garnet Health – Catskills thanks the following community partners for their input and continued support:
Bold Gold Media
The Center for Discovery
Chevra Hatzalah
Empress
Garnet Health Department Leaders & Staff
Liberty PD
Mobil Medic
Monticello PD
New Hope Community
NYS Assembly
NYS Senate
SUNY Sullivan
Sullivan 180
Sullivan BOCES
Sullivan County Chamber of Commerce
Sullivan County Government
Sullivan County Government Transportation
Sullivan County Partnership for Economic Development
Sullivan County Public Health Department
Sullivan County Sheriff’s Department
Sullivan County Visitors Association
Garnet Health Catskills Campus Rendering — Aerial Overview
Events Recap
December Holiday dinner event at Solaia Restaurant in Monticello —SOLD OUT!
After a delicious dinner, we awarded 9 medals for perfect attendance for events throughout the year and the grand prize winner was Jennifer Holohan-Ferrer from Rhinebeck Bank, who was presented with a gift basket of goodies and lawn seats from Bethel Woods Director of Corporate Partnerships Maureen Michulski.
February New Member Networking event and Eldred Preserve Showcase — SOLD OUT!
Since 2023, over 80 new businesses have joined the Partnership and this event was a chance for old and new members to meet, greet and network. Scott Samuelson, COO of the Eldred Preserve, was on hand to give us updates regarding the venue’s planned expansion and upcoming spa addition.
March: Economic Development Breakfast at Resorts World Catskills — SOLD OUT!
Over 120 guests gathered for breakfast to hear an opening presentation on the state of the economy from Gus Scacco, CEO Hudson Valley Investment Advisors, followed by keynote speaker Jeff Janiszewski, Senior VP at Empire State Development. Janiszewski shared his view of economic development from the state’s perspective to a captive audience.
Our Girls Are Not Ok EverGreen Meadow Academy Can Help
By Stacey Millman, President and Founder of EverGreen Meadow Services and Academy
Building a Home for Hope
Trauma comes in many forms – abuse and neglect, loss of parent or divorce, substance use, bullying, or mental illness just to name a few. For a young girl who is just beginning to understand who she is, trauma can seem insurmountable.
Girls in this country are experiencing unprecedented rates of depression, anxiety, self-harm, and suicidal ideation. In New York State, twice as many girls as
boys are showing up at our hospital Emergency Rooms. And even there, the mental health interventions are limited, and the post-hospital options don’t provide enough support.
We Can Help.
EverGreen Meadow Services and our future Academy are here to give middle school girls and their families hope, practical support, and a safe space to heal and learn.
“Whether within our own families or those of people we care about, we have all been touched by the mental health crisis affecting our young people. After our daughter was hospitalized for suicide ideation, we had nowhere to turn in New York State, forcing us to travel far from home to get the care she needed. Now, arm in arm with others who understand this urgency, we are building a movement of hope and help right here for New York families.” — Stacey Millman, President and Founder
Executive Director Adrienne Jensen and EGMS | EGMA Board of Directors Chair Mitra Behroozi.
A Place to Heal and Learn
In 2021, EverGreen Meadow Services was created to establish New York State’s first residential treatment center and middle school for young girls in crisis. Treating and schooling 24 girls at a time, this stateof-the-art center will be located on 34 beautiful acres of land in Rock Hill, New York, generously donated by The Center for Discovery.
Our residential school will offer mental health counseling and therapeutic based healing through nature, nutrition, and expressive arts. And critically important, EverGreen Meadow’s New York State accredited school will allow girls in grades 6-8 to continue their education uninterrupted year-round.
This vitally needed program will provide world-class care and support, free of charge, for all New York State families.
On Our Campus
Between the meadows and the trees, healing begins. Our campus will be a warm, light-filled residential center for our students. Academic classrooms with state-of-the-art technology, flexible common spaces that afford both quiet space for reflection and a great room for team and informal activities will create a home like environment for girls as they heal. Outdoor
classrooms, a greenhouse and farm structures will get students out into nature, to continue the healing process and promote resiliency. Horses, goats, and therapeutic support dogs will nurture girls’ caring instincts and teach community responsibility. Guest cottages complete the campus, allowing space for visiting families and professionals.
Good Health is Good for the Economy
Beyond delivering essential mental health care for girls and their families, Evergreen Meadow Academy will serve as a powerful economic engine for Sullivan County and New York’s Mid-Hudson region. Over the next five years, its construction and ongoing operations are projected to generate more than $72.5 million in economic impact, based on RIMS II multipliers from the U.S. Department of Commerce’s Bureau of Economic Analysis.
Launched with $1.9M in seed money from New York State’s Governor Hochul, EverGreen Meadow Academy will create more than 100 construction jobs over an 18-month period and nearly 100 well-paying professional mental health, health, educational, direct care and administrative jobs. Once built, EverGreen Meadow Academy will be funded by more than $8 million annually from New York State,
generating economic activity and tax revenues for the local economy, and providing sustained growth and opportunities for local businesses and workers.
The creation of new jobs, competitive salaries, direct spending, and the ripple effect of economic activity will make Evergreen Meadow Academy a significant economic contributor and employer in the Mid-Hudson region.
Empowering Girls Now
Even before the campus is complete, EverGreen Meadow Academy has already launched prevention and intervention programs that are making a meaningful impact on young girls in Sullivan County. Middle school girls are in a crucial stage of
Join the Movement
development and trauma and mental health issues can derail their emotional, social, and academic growth. Whether through individual counseling or in multiple small cohorts of 10, EverGreen Meadow Empowerment programming helps young girls build their confidence and develop resiliency. They learn healthy coping and emotional regulation skills, including how to support each other, to build brighter futures.
At EverGreen Meadow, inclusivity is at the heart of everything we do. We are committed to serving girls across all races, ethnicities, identities, orientations, and income levels, ensuring that every girl receives the care she deserves.
The work has just begun, and we invite you to be a part of it. Become a volunteer, make a contribution to support intervention programs or toward the new center, reach out to learn more about what we can do together in our community. To learn more about our services, get involved, or become a part of the EverGreen Meadow family, visit us at Evergreenmeadowacademy.org or email us at info@evergreenmeadowacademy.org.
Together, we can build a home for hope.
EverGreen Meadow girls performing at “An Evening with EverGreen”
Photo Credit: Jessica Lynn Photography
Stacey Millman - President and Founder
Photo Credit Jessica Lynn Photography
The Importance of Hospice Care in Healthcare in
Sullivan County
Hospice care is an essential component of our healthcare system, providing comfort, dignity, and respect for individuals and their loved ones facing terminal illnesses. In Sullivan County, where healthcare resources can be limited, hospice care is not just a service—it is a necessity.
Bridging the Gaps in Rural Healthcare
Sullivan County’s rural landscape presents unique challenges in healthcare access. Many residents live far from major medical centers, making it difficult to obtain specialized care. This is especially true for individuals with life-limiting illnesses, where frequent hospital visits and aggressive treatments may no longer be beneficial.
Hospice care steps in to fill this gap, ensuring patients receive end-of-life comfort care in their homes or a supportive setting. By focusing on pain management, symptom relief, and emotional and spiritual support, hospice care allows patients to live their remaining days with comfort, dignity and respect.
The Kaplan Family Hospice Residence located in Orange County serves Sullivan County residents
The
The Economic and Community Benefits of Hospice Care
Hospice care also provides economic benefits. Studies show that patients receiving hospice care have fewer hospitalizations, emergency room visits, and intensive medical interventions—reducing healthcare costs. More importantly, hospice care prevents unnecessary suffering by ensuring patients receive care aligned with their wishes rather than aggressive treatments that may not improve their quality of life.
In Sullivan County, where medical resources are limited, hospice care alleviates strain on hospitals and emergency services. It allows patients to remain in familiar, comfortable surroundings while receiving expert medical attention.
A Holistic Approach to End-of-Life Care
Hospice care embraces a holistic approach centered on overall well-being. Hospice of Orange & Sullivan Counties interdisciplinary teams— including physicians, nurses, social workers, spiritual care providers, and volunteers—collaborate to address physical symptoms and emotional and psychological needs.
For families in Sullivan County, where healthcare options may be limited, this approach is invaluable. It provides them with a dedicated team that not only manages medical concerns but also offers emotional and logistical support. Whether navigating healthcare decisions, addressing financial concerns, or providing a compassionate presence, hospice care ensures families are not alone during these challenging times.
Supporting Families and Caregivers
Hospice care serves not just the patient but also their loved ones. Often, individuals become primary caregivers without medical knowledge or emotional preparation. At Hospice of Orange & Sullivan Counties, we offer respite care, counseling, and bereavement services to support patients’ loved ones throughout their journey. This support helps alleviate caregiver burnout and ensures loved ones can focus on meaningful moments rather than medical tasks.
Community Involvement and the Power of Volunteers
A key aspect of hospice care in Sullivan County is the dedication of our community volunteers. Hospice volunteers provide companionship, assist with errands, offer emotional support, and help with administrative tasks. Their contributions ensure patients receive personal, compassionate care.
Last year alone, nearly 1,250 individuals were impacted by the efforts of Hospice of Orange & Sullivan Counties. This level of community involvement highlights the deep-rooted compassion in our region and our collective commitment to ensuring no one faces their final days alone.
The Need for Awareness and Advocacy
Despite its many benefits, hospice care remains misunderstood. Some believe hospice is only for the last few days of life, failing to realize it is most effective when introduced earlier. Others hesitate due to cultural or personal beliefs about end-of-life care.
As healthcare advocates, we must educate our community about the value of hospice care and encourage early discussions about end-of-life preferences. By increasing awareness and dispelling myths, we can ensure more individuals in Sullivan County receive the compassionate care they deserve.
A Call to Action
Hospice care is vital to Sullivan County’s healthcare system. It provides dignity, comfort, and peace for patients while supporting their loved ones during one of life’s most challenging transitions. As a community, we must continue advocating for expanded hospice services, encouraging open conversations about end-of-life care, and recognizing the contributions of hospice professionals and volunteers.
At Hospice of Orange & Sullivan Counties, we are committed to ensuring every individual in our care receives the highest level of support, regardless of where they live or their financial situation. By working together, we can strengthen hospice care’s role in our healthcare landscape and make a meaningful difference in the lives of our neighbors.
800 Stony Brook Court Newburgh, NY 12550 (845) 561-6111 ext 314 www.hospiceoforange.com
Sullivan County Partnership Grows
For over 100 years, the Armistead family has been providing mechanical construction and contracting services to industrial and commercial clients throughout Sullivan County and the greater New York/New Jersey area. As one of the largest employers of plumbers and pipe fitters in its region, the company’s expertise lies in industrial/ process piping, fabrication and installation, plumbing, HVAC design/installation, and temperature controls for projects of all sizes and preventative maintenance services.
Armistead’s mission is to consistently exceed customers’ expectations by providing safe, exceptional, and efficient service, reliable, state-of-the-art mechanical systems, innovative technologies and design capabilities, highly skilled and talented workers all delivering upon these services with the utmost integrity, quality, and flexibility. Their affiliate companies, AMI Services, Inc. and Acorn Plumbing & Heating, Inc., also provide their customers with exceptional service and maintenance of their HVAC and plumbing systems.
Fox Rothschild is a national law firm with 1,000 attorneys coast to coast. Their 70+ practice groups have deep industry knowledge. They deliver a full range of legal services to individuals and businesses—public, private, nonprofit, startup, family-run and multinational. Key practice areas include Bankruptcy, Cannabis Law, Corporate, Employment, Entertainment & Sports Law, Environmental, Gaming, Intellectual Property, Litigation, Medical Technology, Mergers & Acquisitions, Privacy & Data Security, Real Estate and Tax.
Platinum Investor
Gold Investor
At Salt Peak, they make technology simple. They help service-based businesses, like law firms and private medical practices, streamline operations and grow with clear, actionable technology strategies. While they don’t fix computers, they connect businesses with the right experts who do. Salt Peak is experienced in designing and managing technology access infrastructure expansions in underserved communities like Sullivan County, ensuring greater access to reliable technology. Using plain, easy-to-understand language, they empower business leaders to confidently engage in technical discussions and make informed decisions. Their business-first approach focuses on security and cost optimization without the complexity. Learn more at saltpeak.net.
EverGreen Meadow Services
is a not-for-profit organization providing mental health services to young girls at risk of self-harm and suicide due to trauma. They are building, EverGreen Meadow Academy, a one-of-a-kind residential treatment center and middle school in Sullivan County, New York, creating nearly 100 construction jobs and 100 permanent professional and direct care positions. For more information, visit evergreenmeadowacademy.org
In 2025, KeyCorp celebrates its bicentennial, marking 200 years of service to clients and communities from Maine to Alaska. In the Hudson Valley, Key provides deposit, lending, cash management and investment services to individuals and through a network of 42 branches and 50 ATMs. Key also provides corporate and investment banking products.
Platform Industries is your one-stop shop for screen printing, embroidery and promotional products with deep roots in Sullivan County. While they are absolutely a screen printing company, they were built on the very basic principles of good customer service. Say so-long to those screen printing companies that take your order and your deposit and then jerk you around for weeks and months at a time. Say hello to a shop that cares about your needs and wants as a customer. They make money when they make you happy, so of course they’re going to do everything they can to make your apparel ordering process easy!
Celebrating over 70 years of hospitality and offering a one-of-a-kind experience for every guest. Villa Roma is undergoing exciting renovations, ensuring that the resort continues to be a beloved destination for years to come. With year-round activities such as sports, paintball, and themed weekends, excitement awaits at every turn. Indulge in exceptional dining, unwind with our spa services, or enjoy nightly entertainment and golf during your stay. They also specialize in creating unforgettable weddings and special events, paying attention to every detail. www.villaroma.com
TKC Landscaping is a family-owned business, led by Chris McVey, in New York’s Hudson Valley where they have been proudly serving their residential and commercial customers for over 30 years. TKC offers full-scale landscape services that meet their customers’ needs for a personalized outdoor environment, whether the project is small or extravagant. For every job, they combine their landscaping and construction expertise with their reputation for excellent customer service—all of that supports their slogan: “We Care for Your Property”
Fidelis Care provides quality, affordable health insurance coverage for more than 2.5 million children and adults of all ages and at all stages of life.
Coverage is provided through Medicaid Managed Care, Qualified Health Plans, Child Health Plus, Essential Plan, Health and Recovery Plan, Managed Long Term Care, Medicare Advantage, Dual Advantage, and Medicaid Advantage Plus.
The MartinWire Group is a premier hybrid cybersecurity and managed IT provider in the Hudson Valley. With nearly three decades of expertise in IT, cybersecurity, and network infrastructure, they deliver top-tier IT solutions tailored to your business needs. Whether you’re a small or medium-sized business or even a rural farm looking for services, they will deliver. They pride themselves on developing unique plans that address your company’s strengths, weaknesses, and opportunities, ensuring you remain competitive and growth oriented. www.themartinwiregroup.com
RWE is driving the transition to clean energy through its Growing Green strategy, investing billions of euros in renewable energy expansion, including wind, solar, and battery storage. With around 20,000 employees across 30 countries, RWE is a global leader in renewables. The company is committed to decarbonization, aligning with the 1.5-degree reduction pathway, phasing out coal by 2030, and achieving net-zero emissions by 2040. RWE’s efforts support a sustainable energy future, fully embodying its purpose: Our energy for a sustainable life.
Excavating • Site Work
NGS Construction, headed by Norm Sutherland, is your trusted partner in commercial and municipal sitework contracting, locally owned based in Eldred, NY. They specialize in top-notch site preparation, excavation, grading, and underground utility installation services. With a commitment to excellence and our deep roots within Sullivan County, their goal is to build relationships while bringing your vision to life.
Maximizing Healthcare Deductions through Tax-Advantaged Health Plans
Choosing a health benefits plan amid the numerous options and information available today can be an overwhelming task for both individuals and employers alike. Cost is of course an important factor when it comes to choosing a benefits plan—and one way to reduce or offset healthcare costs is by utilizing tax-advantaged programs.
Tax-favored health plans are designed to reduce taxable income for both employers and employees, saving money for both, while also fostering employee job satisfaction and improving retention rates.
Luckily, there are several health plans available that offer significant tax advantages. This article discusses four options for tax-favored health plans: Health Savings Accounts (HSAs), Health Flexible Spending Arrangements (FSAs), Health Reimbursement Arrangements (HRAs), and Section 125 (cafeteria) plans.
1. Health Savings Accounts (HSAs)
A Health Savings Account (HSA) is a type of employee-owned savings account available to individuals enrolled in a high deductible healthcare plan. Holders of HSAs can
By Jonathan F. Rouis CPA, Partner—RBT
contribute funds to this account for use on qualified medical expenses. Employers, family members, and others can also contribute on behalf of an eligible individual. Employer contributions may be excluded from the account holder’s gross income. Contributions to an HSA (other than employer contributions) are deductible on the employee’s tax return. All growth on HSA funds is also tax-free, as well as withdrawals. Unused funds roll over from one year into the next and belong to the employee for life.
2. Health Flexible Spending Arrangements (FSAs)
A Flexible Spending Arrangement (FSA) is an employer-owned account that allows an employee to reserve pre-tax dollars for medical expenses. The employee decides on a fixed amount to contribute to the account tax-free from his/her salary. Employer contributions may be excluded from the employee’s gross income. Funds from FSAs do not typically roll over from year to year and are forfeited to the employer should the employee leave his/her job.
3. Health Reimbursement Arrangements (HRAs)
A Health Reimbursement Arrangement (HRA) is an employer-funded plan through which employees are reimbursed for qualifying medical expenses. Employer contributions can be excluded from the employee’s gross income, and any reimbursements received by
employees are tax-free. HRA funds may carry over from year to year depending on the employer and the specific plan. HRAs are not typically portable, meaning employees cannot take these funds with them when they leave the company.
4. Section 125 (Cafeteria) Plans
A Section 125 plan, or cafeteria plan, is a type of employer-sponsored plan that allows employees to choose from a variety of pre-tax benefits. Under this plan, employees can choose between cash (a taxable benefit) and certain tax-free benefits such as health insurance or an HSA. Employees enrolled in a Section 125 plan opt to contribute a certain amount from their salary on a pre-tax basis to pay for qualified benefits. The benefits included in this plan apply to employees, their spouses, and dependents.
Deciding what health plans are right for your employees and business can be a challenge. You may want to consider taking advantage of these tax-favored plans as a means of maximizing tax deductions, saving money for both you and your employees.
As always, when it comes to tax matters, it’s in your best interest to speak with a tax professional. If you want to learn more about maximizing your tax deductions through tax-advantaged health plans, please don’t hesitate to give RBT CPAs a call.
Healthcare Data Safety 101:
How Smart Passwords and Multi-Factor Authentication Keep You Secure
In a technology-driven world, safeguarding healthcare data is a responsibility shared by businesses and individuals alike. Here are some practical steps you can take today to secure your personal healthcare data.
The First Line of Defense: Strong Passwords and Multi-Factor Authentication
For many of us, our first line of defense is the passwords we create. But what makes a password truly effective? And how can multi-factor authentication (MFA) add an extra layer of security?
Crafting Unbreakable Passwords
In healthcare data security, whether as an employee or a patient, strong passwords are your first layer of protection. Guidance from the National Institute of Standards and Technology (NIST) changed recently, emphasizing the use of long, memorable passwords over short, complex ones.
For example, a password like Sull!vanCty1 (12 characters) is less secure than a much longer password like i-love-sullivan-county-spring-time (over 30 characters). In fact, the 30-character password would take 58 billion times longer to crack than the 12-character one.
Looking for inspiration? Try using a favorite song or album title. The Tortured Poets Department by Taylor Swift could serve as the foundation for a long, memorable password.
Want to test yours? Visit security.org/how-secureis-my-password/ to see how strong your primary passwords are.
How Successful Are Dictionary Attacks on Passwords?
Dictionary attacks are highly effective against weak passwords, especially those based on common words, phrases, or predictable substitutions. However, long, random, and unique passwords, especially those using passphrases or stored in a password manager, can render dictionary attacks ineffective.
More Examples of Secure Passwords
Passphrase-Based (Recommended)
• CorrectHorseBatteryStaple (Easy to remember, hard to guess)
• VelvetSkyRainsGolden (Random words, no predictable pattern)
• Coffee$Runs@Midnight23 (Mix of words with some symbols and numbers)
Long, Random, and Unique Passwords
Gp7#Xj4lR8zF!mNv (Randomly generated, highly secure)
• Jungle-Pencil-Truck-82 (Random words with separators)
• mellow.green.clock.$47 (Random words, spaces, special characters)
What to Avoid
Short or Predictable Passwords
P@ssw0rd123 (Easily cracked)
• Qwerty!2024 (Common pattern)
• 12345Abcd (Too simple)
The Myth of Frequent Password Changes
Here’s some more good news: the revised NIST guidelines discourage unnecessary password changes. Unless there’s evidence of a compromise, you don’t need to change a strong, unique password regularly.
However, with security breaches occurring frequently, it’s good practice to change your password if a service you use has been compromised. And if you’ve reused that password elsewhere, change it everywhere—bad actors often attempt password stuffing attacks, where stolen credentials are used to gain access to other accounts.
A password manager like 1Password or Bitwarden can help. These tools generate and store complex passwords securely, making updates easy. Multi-factor authentication (MFA) is a must for your password manager and any account storing sensitive information, like your phone or browser.
The Benefits of Multi-Factor Authentication (MFA)
NIST strongly recommends pairing passwords with multi-factor authentication (MFA) rather than relying on passwords alone. MFA is the requirement for two or more means of authentication:
• Something you know (your password)
• Something you have (a phone or security key)
• Something you are (fingerprint or facial recognition)
By requiring at least two of these factors, MFA makes it exponentially harder for hackers to gain access. As a best practice, MFA should be enabled anywhere you store sensitive data, including:
• Healthcare accounts and patient portals
• Banking and financial platforms
• Social media accounts
• Business accounts and email
• AI accounts if you’re analyzing sensitive data
Overcoming MFA Challenges
Think of it this way: typing a password and entering a code is like unlocking your front door and then disarming your alarm system. Is it inconvenient? Maybe. But does it protect your home? Absolutely. Would a jeweler leave their store without an alarm set? Probably not.
Proactive Strategies for Data Safety
Being proactive about data security is like maintaining a healthy lifestyle, it’s all about good habits and consistency.
Avoiding Password Reuse
Remember password stuffing attacks? Cybercriminals take stolen usernames and passwords and try them elsewhere. The easiest way to defend against this? Never reuse passwords to your sensitive data.
Of course, remembering unique passwords for every account is impossible—unless you use a password manager like 1Password or Bitwarden. These tools create and store strong, unique passwords for each of your accounts, keeping your data safe in an encrypted vault.
If you must remember multiple passwords, try a passphrase system:
• ilovesullivancountyinthespring → Healthcare login
• ilovesullivancountyatthebank → Banking password
• ilovesullivancountyinthespringnotreadingemail
→ Email password
If your bank or email still requires complexity, just add a simple number at the end.
Educating Your Team
A chain is only as strong as its weakest link, and in cybersecurity, human error is often that weak link. Here’s how to strengthen your team:
• Host regular training sessions. Make them engaging, try a “Spot the Phishing Email” contest or a “Password Strength Challenge.”
• Use professional training resources. Online courses are great, but in-person training sessions by Salt Peak often command more attention and engagement.
• Foster a security-aware culture. Encourage employees to report suspicious activity without fear of reprimand. Lead by example—when leadership takes security seriously, the rest of the team follows.
About Salt Peak
Salt Peak makes technology simple for service-based businesses like law firms and private medical practices. We help streamline operations, optimize costs, and connect businesses with the right experts. Our business-first approach focuses on security and cost optimization—without the complexity. Learn more at saltpeak.net.
Financial Education can Promote Overall Wellness
By KeyBank
For many Americans, money is a leading cause of stress. Either they live paycheck to paycheck or worry about the broader economy impacting their short- and long-term plans. Unfortunately, stress is a major health risk factor—leading to anxiety, depression, and a host of other conditions.
At KeyBank, we believe financial empowerment is key to building healthier, stronger communities and lives. One of our signature programs, Money, Me & Key®, is designed to equip individuals with the knowledge and tools needed to achieve financial stability and independence.
Education and Accessibility
Money, Me & Key® is also available for student audiences through a pilot in Cleveland, introducing financial education programming to students from kindergarten through high school. The initiative is designed to help young learners build essential money management skills while providing educators with the
Led by certified bank teammates, known as Money Mentors, Money, Me & Key® workshops provide practical financial education to help individuals take charge of their financial futures and pursue their dreams.
Workshop topics include:
• Personal Finance: Banking Basics, Budgeting, Car buying, Credit 101, Credit Scores & Reports, Debt Management, Identify Theft, Investing at Work, Making Budgets Work, Mobile Banking, Preparing for a Financial Emergency, Retirement, SMART Budgeting
• Small Business: Developing a Business Plan, How Businesses Obtain and Use Credit, Small Business and Financial Emergencies, Small Business Banking Services, Small Business Financial Statements
• Home Ownership Considerations: Mortgage Modifications, Mortgages
Since its launch in 2024, more than 1,100 KeyBank employees and community members have become certified Money Mentors. Before leading a workshop, each mentor completes a certification through KeyBank’s training program, ensuring they are well-prepared to make a lasting impact.
To remove language as a barrier to financial success, the program is available in Spanish.
resources to seamlessly integrate financial literacy into their curriculum. Resources include age-appropriate financial education materials, interactive lessons and hands-on activities tailored to different grade levels. Money Mentors are available for teachers who would like class speakers.
Financial Empowerment in Action
By making financial education accessible and engaging, KeyBank aims to inspire students to develop smart money habits early, setting them up for long-term financial success. Combined with adult programming, it’s part of KeyBank’s commitment to strengthening financial literacy across generations, ensuring students, families, and communities have the knowledge and tools to achieve financial stability and growth.
Money and Stress: Does Perception Meet Reality?
While research on the mental-financial health connection is neither exhaustive or conclusive, recent findings by Financial Health Network show people with low incomes and in financial distress are more likely to experience depression and anxiety than high-income people. Money, Me & Key® aims to close this gap by empowering all people, regardless of income or background, to take control of their money and put it to work to support the lives they want to live—so they can be happier and healthier.
According to the 2025 KeyBank Annual Financial Mobility Survey, 50% of Americans report feeling financially stressed based on their current situations. However, beneath this stress lies resilience…suggesting people’s financial situations may not be as dire as perceived.
• 45% of respondents are confident they could manage a $2,000 unexpected expense
• 34% are confident they could come up with $5,000 if a need arises
• 87% are confident they can pay their rent/mortgages each month
• 70% are confident they can pay off their credit cards every month.
• 44% have credit, no card debt
This survey paints a clear picture: the pervasive sense of scarcity and insecurity many Americans feel when it comes to their financial well-being often doesn’t align with their actual financial health, which is stronger than they perceive it to be.
Headquartered in Cleveland, Ohio, Key is one of the nation’s largest bank-based financial services companies, with assets of approximately $187 billion at December 31, 2024. Key provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of approximately 1,000 branches and approximately 1,200 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. For more information, visit https://www.key.com/. KeyBank Member FDIC.
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Board of Directors
Michael Zalkin, Chair
James Bates, Vice Chair
John Brust, Treasurer
Steven Vegliante, Secretary
Jerry Dunlavey
Karen Fisher
Amanda Gesztesi
Anthony Griffith
Kelsey Hornicek
Brittany Johnson
George Kinne
Kevin McLaren
Bobbi Scroggin
Gary Silver
Gerald Skoda
Fred Stabbert
Charlotte Van Horn
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Ever Wonder Where Our Investors are Located?
From Pleasant Valley, NY to Honesdale, PA — they’re not just from Sullivan County! Each issue, we’ll
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4 HONOR ehg, Inc. honorhelpingothers.org (845) 343-7115
38 Seward Ave Middletown, NY 10940
5 Intelligent IT Designs intelligentitdesigns.com (845) 712-4122
158 Freedom Rd Pleasant Valley, NY 12569
6 J&G Law jglaw.law (845) 778-2121
158 Orange Ave Walden, NY 12586
7 KARC Planning Consultants Inc. karcpc.com (845) 243-2500
181 Church St Poughkeepsie, NY 12601
8 Liberty Diner thelibertydiner.com (845) 292-8973
30 Sullivan Ave Liberty, NY 12754
9 Monticello Motor Club, LLC monticellomotorclub.com (855) 662-2582
67 Cantrell Rd Monticello, NY 12701
10 Prestige Energy Solutions prestigenrg.com (845) 442-0136
980 NY-17B Mongaup Valley, NY 12762
11 Sullivan Catskills Visitors Association sullivancatskills.com (845) 747-4449
15 Sullivan Ave #1 Liberty, NY 12754
12 Spartan Landscaping & Snowplowing spartanlandscapingny.com (845) 701-2400 P.O. Box 156 Roscoe, NY 12776
13 Sullivan Regency sullivanregency.com (914) 490-3433 685 West Broadway Monticello, NY 12701
14 Unique Escapes uniqueescapesny.com bookings@uniqueescapesny.com 17 Gartner Rd Monticello, NY 12701
15 Wayne Bank wayne.bank (607) 865-3200 717 Main St. Honesdale, PA 18431
