NaviNet is a free, Internet-based application for providers to streamline data exchanges between their offices and Highmark. The waiver of Highmark member cost-sharing for in-network telehealth visits is effective for electrolysis amerigroup of service from March 13 international claims June 30, Please carefully read and follow the instructions contained within the individual form for submission. Health Options Provider Manual. Medical Policy Medical Policy. This partnership is instrumental in bringing a personalized care transitions approach to support Highmark's Medicare Advantage members across Pennsylvania and West Virginia. Contact Us.
A few drugs may move up or down in position on the list. List of covered drugs - nova. List of covered drugs - Nevada Health CO. Kaiser Health News picked the top 10 most-advertised drugs by spending, courtesy of a list from Kantar Media, which advises clients on advertising and tracks spending, and showed how much each drug company spent last year on those ads. How is the list maintained as new drugs are approved?
What if a drug is not listed but an Oxford Provider requests it to be added? Are all forms tablet, capsule etc… of a listed drug covered? Compare risks and benefits of common medications used for Bacterial Infection. We make every effort to keep it current, however, there may be times when a drug is listed here but not temporarily available with us. We highly recommend you call ahead to check if we have the medicine you need in stock.
Compare 5HT3 receptor antagonists 5hydroxytryptamine receptor antagonists. Category: Lists of drugs. A list of authors is available in Wikipedia. Always update this list with any additions or changes in your medicine and keep it with you at all times.
We have created a list of the most popular prescribed medications in UK hospitals. Adobe We take a look at the most-prescribed medications in hospitals around the UK. Includes Vyvanse, Vytorin, Vyzulta, Vyndamax. Includes griseofulvin, granisetron, Gralise, green tea. Are you wondering what the top 8 drug categories are? Drug abuse and misuse can cause numerous health problems, and in serious cases death can occur.
Treatment for drug abuse is often sought to aid in recovery. Comprehensive lists of medications with generic and brand names organized by classes. Sulfonamides sulphonamides are a group of man-made synthetic medicines that contain the sulfonamide chemical group. They may also be called sulfa drugs and are used for a wide range of conditions from diabetes to pain relief.
The top list of drugs filled using insurance and the Top Drugs filled not through insurance. Drug information related to the top drugs filled. Special Disclaimer :Images used above represent popular brands and are not the same shipped by us.
We ship FDA approved generic drugs. Trademark names on this site may include Viagra. Glycopeptide antibiotics are a type of antibiotic that inhibits bacterial cell wall formation by inhibiting peptidoglycan synthesis.
Inadequate intake of any particular vitamin or mineral in the diet causes specific vitamin and mineral deficiency. Define Prescription Drug List. She has mild associated shortness of breath and nausea. People take drugs for different reasons and in different ways. This A-Z list of drugs can be used to inform people about street and prescription drugs, and how to test for drug use at home or work.
He agreed to a deal of 16 hours community service in exchange to dismiss the drug charge. In There are many hundreds of thousands of possible drugs. Any chemical substance with biological activity may be considered a drug. This list categorises drugs alphabetically and also by other categorisations. Does anyone know if you need to know the top drug list, or every drug of every class? Compare antiadrenergic agents, centrally acting. Includes clopidogrel, Clonazepam, Clonidine, Clindamycin.
Aspirin, the most commonly used antiplatelet drug changes the balance between prostacyclin which inhibits platelet aggregation and thromboxane that promotes aggregation. Factor Xa inhibitors are a type of anticoagulant that work by selectively and reversibly blocking the activity of clotting factor Xa. Drug lists at Ranker - the ultimate source for hundreds of drug lists and rankings.
Compare risks and benefits of common medications used for Atrophic Urethritis. Includes Xyzal, Xylocaine, Xyrem, Xywav. Usa online kamagra effervescent list of schedule 2 drugs: i need a list of all the DEA aproved schedule two c-ii drugs i need it for my research. Drug Delivery and Formulation Summit will feature themes are New modalities research opportunities and challenges, Personalised therapies, mRNA, Cell and gene therapies, Analytical techniques for biotherapeutics.
Includes Hydrochlorothiazide, Hydroxyzine, Humira, Hydrocodone. Drug Index by Category. Drugs used to treat Cold Symptoms. Drug class: miscellaneous anxiolytics, sedatives and hypnotics, antihistamines, anticholinergic antiemetics.
Every year, the number of drug users narcotics and illegal drugs in Indonesia continues to increase. Because of the widespread use of drugs in Indonesia, this country has become the biggest drug market in Southeast Asia. This is still happening. Narcotics are drugs that block or reduce pain by binding to opioid receptors in the brain and spinal cord. Most of the remaining list of narcotics are classified as Schedule II drugs, which are legal for prescription use.
Compare risks and benefits of common medications used for Fever. An authorized generic is used to describe an approved brand name drug that is marketed as a generic product without the brand-name, or trade name, on the label. Authorized generic drugs are not listed in the FDA. Movie list by drugs. Really A Very Important List. Movie Diary For the Rest of the Year Prisoners of Oswald State Correctional Facility.
A:Nexito escitalopram is indicated in major depression, not responding to other conventional medicines. Nonetheless, drugs may be categorized or classified according to certain shared symptomatologies or effects. Includes P-Bloc. Compare risks and benefits of common medications used for Drug Dependence.
Drugs can be categorized based upon their effects on users. There are essentially seven different drug types, each with its own set of characteristics, effects and dangers. One of the most devastating truths. Includes Bupropion, Buspirone, Baclofen, Benzonatate. All of the drug lists in this section include our Drug Search Searchable Tool functionality. View prescription drugs and discussion threads based on the medication Category. Drug forums and information by Category.
Drugs used to treat Pelvic Inflammatory Disease. View list of generic and brand names of drugs used for treatment of Anticoagulants Blood Thinners. You can find more information including dosage, side effects of the Anticoagulants Blood Thinners.
Litz Pharmacy Drug List. History Amoxicillin mg capsule Megamox. Core Values Amoxicillin mg capsule Vhellox. Ampicillin mg Powder for injection Liferzin. The PDL is a list of the most commonly prescribed medications. It includes both brand-name and generic prescription medications approved by the U. This is a list of alleged psychic abilities that have been attributed to real-world people.
Many of these abilities pertain to variations of extrasensory perception or the sixth sense. Drugs can be grouped together in different ways — by the way they affect the body or by how or where they are used. Find out which drugs we are focused on reducing in Australia.
In pharmacology, a drug is a chemical substance, typically of known structure, which, when administered to a living organism, produces a biological effect. A pharmaceutical drug, also called a medication or medicine. Medicare drug lists, called formularies, are lists of all the prescription drugs a Medicare Part D plan covers. You can use the list to know if the medications you take will be covered. Compare risks and benefits of common medications used for Lactose Intolerance. Browse the list of issues and latest articles from Expert Opinion on Orphan Drugs.
There is a prescription drug book you can buy it comes out every year and is written by a pharmasist. Search the formulary. The Johns Hopkins University School of Medicine in Baltimore is home to possibly the largest public drug library available to researchers. Study free Science flashcards about Top Drug List created by to improve your grades.
Matching game, word search puzzle, and hangman also available. Respiratory drugs in that order plus other main drugs. The current versions, updated in September Some of the drugs and medications that have given people problems in the past include. Used to treat rheumatoid arthritis, this drug has been the subject of lawsuits based on science connecting Actemra use and heart failure. Abilify is used for Compare risks and benefits of common medications used for Asthma, Maintenance.
Compare risks and benefits of common medications used for Pneumonia. List of Covered Medications - A. Search: Filter the list of medications by drug name. RxNorm: Lists RxNorms associated with the drug. Drug Name: Enter the drug name as it will show in the master list. A urinary tract infection UTI is an infection in your urinary tract. Your urinary tract includes your bladder, kidneys, ureter, and urethra.
Find FDA approved brand and generic drugs prescribing information in an easy to find A-Z list of medications. Request PDF Medications List —used to lower intraocular pressure by reducing production of aqueous humor.
Find, read and cite all the research you need on ResearchGate. Drugs used to treat Skin Rash. Their efficacy may not have been scientifically tested to the same degree as the drugs listed in the table above.
Compare risks and benefits of common medications used for Subcutaneous Urography. Learn more about Prescription Drugs List and see their lists on Ranker, the ultimate source for lists and rankings in all categories. Nutritional products include products, which either supplement the nutrition or provide part or all of the daily nutritional requirements. Please refer to the drug classes listed below for further information.
List of drugs. Find over prescription and over-the-counter drugs in an easy to find A-Z list of medications. List your health plan preferred medicines. The New Drugs List is an administrative list posted on the Health Canada website that represents substances or formulations in prescription and nonprescription drug products pursuant to an application to market.
The drug list is updated often and may change. To get the most up-to-date information. Results Count : of. Some people use marijuana for its pleasurable high, but this drug also impairs short-term memory and learning, the ability to focus, and coordination. Chemotherapy PPE required for preparation and administration. Retrieve the list of drugs from the union of all reference lists.
Add the following code to your website. Medically reviewed by Drugs. See below for a comprehensive list of adverse effects. Frequency not reported: Drug withdrawal reactions including rebound hypertension, tachycardia, and hypertonia. Common Drug list - Read online for free. Did you find this document useful? Save Common Drug list For Later. Compare risks and benefits of common medications used for Sore Throat. List of all medicines, manufacturer and drugs,Medicine List ,medicine manufacturer,Generics manufacturer List, Indian medicine manufacturer.
Pharmacy - It has remained alive for as long as six months. American method united of bone grafting, as performed in European war films. Drugs used to treat Secondary Cutaneous Bacterial Infections. Compare risks and benefits of common medications used for Bartonellosis.
Compare risks and benefits of common medications used for Dandruff. This eMedTV segment provides a complete list of all statin drugs that are available in the United States at this time and offers links to specific information.
We dug through every drug that passed FDA muster since and identified ten that have had the biggest impact on medicine and society as a whole. More magazines by this user. Are you sure you want to delete your template? Drug abuse usually involves selling, buying or abusing these substances, which can lead to arrest, criminal charges, and imprisonment. Digestive enzymes are proteins that speed up the breakdown hydrolysis of food molecules into their separate components.
This list may not reflect recent changes learn more. List of drugs: An—Ap. Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Amazon, Kindle, Fire and all related logos are trademarks of Amazon. Blackberry and Blackberry World are trademarks or registered trademarks of BlackBerry Limited, the exclusive rights to which are expressly reserved. Cigna is not affiliated with, endorsed, sponsored, or otherwise authorized by BlackBerry Limited.
And you can take myCigna with you wherever you go. You will need your username and password each time you visit the site. At Cigna, we focus on helping to keep you well. We encourage you to talk with a doctor who is part of the Cigna network to determine what tests or health screenings are right for you.
Covered preventive care services may include, but are not limited to The name of your Cigna health plan and the health care professional networks you can access for care Addresses where you or you doctor will send your medical and pharmacy claims. Working together to improve your health Cigna has many services to help you with your personal health needs, including the following:. Care management programs give you access to a Cigna case manager, trained as a nurse, who works closely with your doctor and contacts you on a regular basis to check on your progress.
You can ask for help and guidance with conditions and illnesses such as cancer, end-stage renal disease, neonatal care and pain management. Screenings for high blood pressure and cholesterol Testing for diabetes and colon cancer Clinical breast exams and mammograms Pap tests. View our health care professional directory to find an in-network doctor or facility near you on myCigna. My Health Assistant Cigna offers an online, personal coaching service with programs that can jump start your goals and help you start feeling healthier and happier.
My Health Assistant on myCigna. Choose from one of the following programs to help you establish personal goals and track your progress:. Access to care Right Service. Right Place. Cigna wants to help you find the right services for your health care needs.
If you need immediate medical attention, your first thought may be to go the emergency room. But an urgent care center may be a more convenient, less expensive alternative if you have one in your area.
An urgent care center can treat you for things like minor cuts, burns and sprains, fever and flu symptoms, joint or lower back pain and urinary tract infections. If you have a serious or life-threatening condition, always dial or visit the nearest hospital. Most drugs fall into one of three categories Copay A preset amount you pay for your covered health care services. The plan pays the rest. Generic Medications: Generic medications have the same active ingredients, dosage and strength as their brand name counterparts.
You will usually pay less for generic medications. Coinsurance Your share of the cost of your covered health care costs after deductibles have been met. Your plan pays the rest of covered charges. If you go out-of-network for care, your expenses may be greater than the coinsurance amount.
Preferred Brand Medications: Preferred brand medications will usually cost more than a generic, but may cost less than a non-preferred brand. You will usually pay more for non-preferred medications. In-network Health care professionals, pharmacies and facilities that have contracts with Cigna to deliver services at a negotiated rate discount.
You will typically have lower out-of-pocket costs for services you received in-network. Cigna also gives you access to more than 68, pharmacies in our network. Using an out-ofnetwork health care professional or facility will typically cost you more. From health care questions to coverage concerns, whenever you need us, call 1. Also known as your PCP, this is your personal health care provider who coordinates all of your medical care, from routine physicals to recommending specialists.
He or she gets to know you, your medical history and your personal preferences. And that can be very valuable. Precertification is getting approval from the health plan before receiving services, such as for routine hospital stays or outpatient procedures. In precertification, Cigna or its agent reviews medical criteria to determine coverage under your plan. You can order an ID card, update insurance information and check claim status.
Access our health information line where Cigna staff, trained as nurses, can help you find answers to your health questions, and help you decide where and when to seek medical attention. If you want to speak with someone in Spanish, we have bilingual representatives.
We also have services that can translate other languages. The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online stores from which it is downloaded. Actual myCigna and App features available may vary depending on your plan. The listing of a health care professional or facility in the online directories does not guarantee that the services rendered by that professional or facility are covered under your specific medical plan.
Check your benefit summary and plan documents, or call the number listed on your ID card, for information about the services covered under your plan benefits. Covered preventive care services may vary depending on your age, gender and medical history. Plans may vary and some preventive services may not be covered under your plan.
For example, immunizations for travel are generally not covered. For the coverage terms of your specific medical plan, see your plan materials. Pharmacy availability and network will vary based on your plan.
All group health insurance policies and health benefit plans have exclusions and limitations. This information is intended to give you some highlights about your plan. If there are any differences between the information shown here and the plan documents, the information in the plan documents takes precedence. The health care professionals and facilities that participate in the Cigna network are independent contractors solely responsible for the treatment provided to their patients.
Choice is good. More choice is even better. Cigna Telehealth Connection lets you get the care you need — including most prescriptions — for a wide range of minor conditions. Now you can connect with a board-certified doctor via secure video chat or phone, without leaving your home or office. When, where and how it works best for you! Choose when: Day or night, weekdays, weekends and holidays. Choose where: Home, work or on the go.
Choose how: Phone or video chat. The cost savings are clear. Televisits with AmWell and MDLIVE can be a cost-effective alternative to a convenience care clinic or urgent care center, and cost less than going to the emergency room. And the cost of a phone or online visit is the same or less than with your primary care provider. Remember, your telehealth services are only available for minor, non-life threatening conditions.
In an emergency, dial or go to the nearest hospital. For covered services related to mental health and substance abuse, you have access to the Cigna Behavioral Health network of providers. Choose with confidence. See vendor sites for details. Providers are solely responsible for any treatment provided. Not all providers have video chat capabilities.
Video chat is not available in all areas. Telehealth services may not be available to all plan types. In general, to be covered by your plan, services must be medically necessary and used for the diagnosis or treatment of a covered condition.
Not all prescription drugs are covered. All group health insurance policies and health benefit plans contain exclusions and limitations. What is Continuity of Care? Continuity of Care allows you to receive services at in-network coverage levels for specified medical conditions for a defined period of time when your health care professional leaves the Cigna network and there are solid clinical reasons preventing immediate transfer of care to another health care professional.
This includes any precertification requirements. All other conditions must be cared for by an in-network health care professional for you to receive in-network coverage levels.
Nor does it constitute precertification of medical services to be provided. Depending on the actual request, a medical necessity determination and formal precertification may still be required for a service to be covered. Newly diagnosed or relapsed cancer in the midst of chemotherapy, radiation therapy or reconstruction. Recent major surgeries still in the follow-up period generally six to eight weeks. Acute conditions in active treatment such as heart attacks, strokes or unstable chronic conditions, etc.
Hospital confinement on the plan effective date only for those plans that do not have extension-of-coverage provisions.
Stable chronic conditions such as diabetes, arthritis, allergies, asthma, hypertension and glaucoma. Acute minor illnesses such as colds, sore throats and ear infections.
Elective scheduled surgeries such as removal of lesions, bunionectomy, hernia repair and hysterectomy. What time frame is allowed for transitioning to a new participating health care professional?
If Cigna determines that transitioning to a participating health care professional is not recommended or safe for the conditions that qualify, services by the approved non-participating health care professional will be authorized for a specified period of time usually 30 days or until care has been completed or transitioned to a participating health care professional, whichever comes first.
After receiving your request, Cigna will review and evaluate the information provided and will send you a letter informing you whether your request was approved or denied. What is Transition of Care? Transition of Care coverage allows you to continue to receive services for specified medical conditions for a defined period of time with health care professionals who do not participate in the Cigna network until the safe transfer of care to a participating doctor or facility can be arranged.
You must apply for Transition of Care at enrollment, or change in Cigna medical plan, but no later than 60 days after the effective date of your coverage. Photocopies are acceptable. Attach additional information if needed. Is the patient pregnant and in the second or third trimester of pregnancy? Please complete the health care professional information request below. Group practice name Health care professional name. Health care professional specialty Health care professional address Hospital where health care professional practices.
Treatment being received and expected duration Please list any other continuing care needs that may qualify for Transition of Care or Continuity of Care coverage. If these care needs are not associated with the condition for which you are applying for Transition of Care or Continuity of Care coverage, you need to complete a separate Transition of Care or Continuity of Care form.
I understand I am entitled to a copy of this authorization form. Signature of patient, parent or guardian. Review for organ transplant requests may take longer. Additional forms are available on Cigna. Please make certain that all questions are completely answered. To help ensure a timely review of your request, please return the form as soon as possible. In 9, include information about your current or proposed treatment plan and the length of time your treatment is expected to continue.
If surgery has been planned, state the type and the proposed date of the surgery. In 12, briefly state the health condition, when it began and the health care professional who is currently involved. Also include how often you see this health care professional. Please be as specific as possible. In 13, if you answered Yes for customers receiving mental health services: 1.
If you are receiving outpatient mental health services, you should do one of the following. The first few sections of the form apply to the employee. The address is on the back of your Cigna ID card, or call If you are receiving inpatient, residential, partial hospitalization or intensive outpatient services, regardless of your plan type, call or have your health care professional call the customer service number on the back of your Cigna ID card, or call Review for Organ Transplant requests may take longer.
All models are used for illustrative purposes only. How the plan works How do I find a provider? To find a provider, go to carefirst. Be sure to ask your provider if he or she participates with the Davis Vision network before you receive care. How do I receive care from a network provider? Simply call your provider and schedule an appointment. Then go to the provider to receive your service.
There are no claim forms to file. What if I go out-of-network? Staying in-network gives you the best benefit, but BlueVision Plus does offer an out-of-network allowance schedule as well. In this case, you may see any provider you wish, but you will be responsible for all payments up-front.
You will also be responsible for filing the claim with Davis Vision for reimbursement and paying any balances over the allowed benefit to the non-participating provider. You can find the claim form by going to carefirst. Can I get contacts and eyeglasses in the same benefit period? With BlueVision Plus, the benefit covers one pair of eyeglasses or a supply of contact lenses per benefit period.
Mail order replacement contact lenses DavisVisionContacts. This website offers a wide array of contact lenses, easy, convenient purchasing online and quick shipping direct to your door. This portion of the Plan is not an insurance product. Exclusions The following services are excluded from coverage: 1. Medical care or surgery. Covered services related to medical conditions of the eye may be covered under the Evidence of Coverage.
Prescription drugs obtained and self-administered by the Member for outpatient use unless the prescription drug is specifically covered under the Evidence of Coverage or a rider or endorsement purchased by your Group and attached to the Evidence of Coverage. Orthoptics, vision training and low vision aids.
Replacement, within the same benefit period of frames, lenses or contact lenses that were lost. Non-prescription glasses, sunglasses or contact lenses. Vision Care services for cosmetic use. CareFirst of Maryland, Inc. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver affordable protection for a healthier smile and a healthier you.
Negotiated fees are subject to change. Certain plan benefits are based on a percentage of the negotiated fee. This is the amount that participating dentists have agreed to accept as payment in full.
Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered. All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia. Payments are on a repetitive basis. The service categories and plan limitations shown in this document represent an overview of your plan benefits, but are not a complete description of the plan.
Before making any purchase or enrollment decision you should review the certificate of insurance which is available through MetLife or your employer.
In the event of a conflict between this overview and your certificate of insurance, your certificate of insurance governs. Like most group dental insurance policies, MetLife group policies contain certain exclusions, limitations and waiting periods and terms for keeping them in force. The certificate of insurance sets forth all plan terms and provisions, including all exclusions and limitations.
If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures.
You and your dentist will each receive an Explanation of Benefits. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment. Exclusions We will not pay Dental Insurance benefits for charges incurred for: 1. Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which We deem experimental in nature.
Services for which You would not be required to pay in the absence of Dental Insurance. Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person. Services which are primarily cosmetic For residents of Texas, see notice page section in your certificate.
Services or appliances which restore or alter occlusion or vertical dimension. Restoration of tooth structure damaged by attrition, abrasion or erosion. Restorations or appliances used for the purpose of periodontal splinting. Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco. Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss.
Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work. Missed appointments. Services covered under other coverage provided by the Employer. Temporary or provisional restorations. Temporary or provisional appliances. Prescription drugs. Services for which the submitted documentation indicates a poor prognosis. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food.
Caries susceptibility tests. Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. Other fixed Denture prosthetic services not described elsewhere in this certificate. Precision attachments. Adjustment of a Denture 26 Appliances or treatment for bruxism grinding teeth , including but not limited to occlusal guards and night guards.
This exclusion does not apply to residents of Minnesota. Repair or replacement of an orthodontic device. Duplicate prosthetic devices or appliances. Replacement of a lost or stolen appliance, Cast Restoration, or Denture. Intra and extraoral photographic images. How do I find a participating dentist?
You can access a list of participating dentists with directions and mapping capabilities online at www. Please Note: Be sure to verify provider participation when you make your appointment. May I choose a non-participating dentist? You are always free to select the dentist of your choice. Please note: any plan deductibles must be met before benefits are paid. Can my dentist apply for participation in network? If your current dentist does not participate in the MetLife network and you would like to encourage him or her to apply, tell your dentist to visit www.
The website and phone number are designed for use by dental professionals only. How are claims processed? Dentists may submit your claims for you, which means you have little or no paperwork.
You can track your claims online and even receive e-mail alerts when a claim has been processed. If you need a claim form, you can find one online at www. Can I find out what my out-of-pocket expenses will be before receiving a service? With pre-treatment estimates, you never have to wonder what your out-of-pocket expense will be. To receive a benefit estimate, simply have your dentist submit a request for a pre-treatment estimate online at www.
You and your dentist will receive a benefit estimate online or by fax for most procedures while you are still in the office so you can discuss treatment and payment options and have the procedure scheduled on the spot. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment. Do I need an ID card? No, you do not need to present an ID card to confirm that you are eligible.
Your dentist can easily verify information about your coverage through a toll-free automated Computer Voice Response system. Do my dependents have to visit the same dentist that I select? No, you and your dependents each have the freedom to choose any dentist. If I do not enroll during my initial enrollment period can I still purchase Dental Insurance at a later date?
Yes, eligible employees who do not elect coverage during their day application period may still elect coverage later. Please consult your Benefits Administrator or your certificate for this plan information. Am I eligible for all benefits the first day of coverage? Your plan may include benefit waiting periods. Please refer to the certificate of insurance or your Benefits Administrator for details about the services that are subject to the waiting periods and the length of time they apply.
How can I learn about what dentists in my area charge for different procedures? You can use the tool to look up average in- and out-of-network fees for dental services in your area. Just log in at www. Network fee information is supplied to VerifPoint by MetLife and is not available for providers who participate with MetLife through a third-party.
Out-of-network fee information is provided by VerifPoint. This tool does not provide the payment information used by MetLife when processing your claims. Prior to receiving services, pretreatment estimates through your dentist will provide the most accurate fee and payment information Can MetLife help me find a dentist outside of the U. Coverage will be considered under your out-of-network2 benefits. Please remember to hold on to all receipts to submit a dental claim.
AXA Assistance and Virginia Surety are not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. Referral services are not available in all locations. You can get an interpreter. You can get documents read to you and some sent to you in your language. For help, call us at the number listed on your ID card, if any, or For more help call the CA Dept.
To receive a copy of the attached MetLife document translated into Spanish or Chinese, please mark the box by the requested language statement below, and mail the document with this form to: Metropolitan Life Insurance Company PO Box Lexington, KY Please indicate to whom and where the translated document is to be sent.
Servicio de Idiomas Sin Costo. Para recibir ayuda adicional llame al Departamento de Seguros de California al Kev pab txhais lus tsis kom them nqi. Koj thov tau kom nrhiav neeg txhais lus thiab nyeem ntaub ntawv hais ua lus Hmoob rau koj mloog. Yog xav tau kev pab, hu rau peb ntawm tus xov tooj sau hauv koj daim npav ID, yog muaj, lossis Libreng serbisyo sa pagsasalin. Maaari kang kumuha ng tagasalin para basahin sa iyo ang mga dokumento sa wikang Tagalog.
Para ikaw ay matulungan, tawagan kami sa numerong nakalista sa iyong ID card, kung mayroon man, o sa numerong Para sa karagdagang tulong tawagan ang CA Dept.
Register online at www. Type in The Avascent Group where requested and click Submit 3. To begin the registration process, click Register Now 4. Enter all personal information into the fields and click Next at the bottom of the screen 5. After creating your own unique User Name and Password and setting-up and Identity Verification Question, click Next at the bottom of the screen 6.
Select the Dental tab at the top of the page to see your personal benefits information. To obtain a listing of PDP dentists in your local area, call or visit www. This card is the property of MetLife, fraudulent use may result in termination of benefits. Possession of this card in itself confers no right to benefits or guarantee of coverage. Persons must be currently enrolled. Promptly notify us if card is lost or stolen. For International Dental Travel Assistance call collect.
To verify dental coverage, call Please review important information on reverse side. A Group Policy Number is not required to file a claim. When you choose to receive care from a preferred dentist participating in the MetLife Preferred Dentist Program PDP , your out-of-pocket expense will generally be lower than when you visit a non-participating dentist. Set your sights on savings and convenience. MetLife VisionAccess is a discount program that helps you save and stay on top of your care.
Using your discount is simple. Just provide your program code, MET, when making an appointment or receiving services or materials. Save the attached cards for easy reference.
VisionAccess Program See Well. Stay Healthy. Save More. Check with your participating private practice for available offers. Discounts are only available from MetLife participating facilities. Discounts are available from any participating private practice. See your program schedule of benefits for more details. Provide your program code, MET, when making an appointment or receiving services or materials. To review benefits or find a participating provider, visit our website or call.
For more information or to find a participating provider, visit our website at www. MetLife VisionAccess is a discount program and not an insured benefit. The program is available at no charge regardless of enrollment in other MetLife benefits as long as the plan sponsor has an active MetLife group product. See listing of Regional Discount Areas on the front of this flyer. Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device.
Laser vision care discounts are only available from participating facilities. What does the Beniversal FSA provide? What is a Flexible Spending Account? How does the tax savings work?
This means you bring home more money in your paycheck! Calculate your personalized tax savings at www. Who can participate? In order to participate in the plan, you need to meet the eligibility requirements set by your employer. Please contact your employer or refer to your plan documentation for more details and eligibility requirements.
How do elections work? Elections do not carry over from year to year. Generally, once you have enrolled in the plan, you cannot change your elections during that plan year unless you have a certain qualifying event e. More information is also available in your plan documentation. When can I access FSA funds? Services must be provided during the plan year designated in your plan documentation and you cannot access FSA funds until the service is provided. The IRS allows one exception for orthodontia expenses.
Refer to your plan documentation regarding any unused funds at the end of the plan year. What are eligible medical expenses? This list is intended to be used as a quick reference of potentially eligible medical expenses and does not guarantee that an expense will be eligible.
Please see your plan documents to verify what expenses are reimbursable under your plan. This list is not intended to be an all encompassing list and may be updated from time to time.
In addition to the list below, there are over additional items or expense types that are considered potentially eligible. These may require prescriptions or a letter of medical necessity when submitting a reimbursement request. Acupuncture Alcoholism treatment Allergy treatments if prescribed Ambulance Arthritis gloves Artificial limbs Artificial teeth Asthma devices and medicines if prescribed Bandages Body scans Braille books and magazines Breast pumps Breast reconstruction surgery following mastectomy Cancer screenings Carpal tunnel wrist supports Chiropractors Circumcision Co-insurance amounts Co-payments Couseling, when used to treat diagnosed medical condition CPAP continuous positive airway pressure devices Crutches Dental sealants.
Depends Birth control products e. Medical monitoring and testing devices e. Prosthesis Psychiatric care Radial keratotomy Reading glasses Rehydration solution Rubbing alcohol Screening tests Sleep-deprivation treatment Speech therapy Stop-smoking programs Telephone equipment or television for hearing-impaired persons Thermometers Transplants Transportation expenses for person to receive medical care, may include car mileage or alternative transportation costs Vaccines Vision correction procedures Walkers Wheelchair X-ray fees.
Benadryl, Claritin, Sudafed Nasal sprays for congestion Anti-fungal medications e. Afrin e. Lotramin AF Pain relievers e. Orajel First aid creams Wart remover medications Gastrointestinal aids e.
Monistat anti-diarrhea medicines, non-fiber laxatives, nausea medications. Once your account is open, you will have access to a detailed eligible expense look up table. Simply log in to your account at www. Out-of-pocket expenses include services for you, your spouse and eligible dependents. General Expenses. Tax Savings Estimate: Estimate your total annual estimated tax savings.
Amounts A. A Medical FSA can be used to pay for eligible medical expenses provided to you, your spouse or eligible dependents. Your Plan Highlights also contain other specific information about your employer sponsored plan. The eligibility of an expense is governed by the IRS. These expenses enable you to be gainfully employed and, if married, enable your spouse to be gainfully employed, look for work or attend school full-time. Consult a tax professional to determine if it would be more to your advantage to elect a Dependent Care FSA or to use the federal tax credit.
How do I access my FSA? Use the Beniversal Card if offered The Beniversal Prepaid Mastercard can be used at qualified merchants providing medical products and services, such as: doctors, dentists, medical labs, hospitals, medical supply stores, vision centers and certain drugstores and retail merchants.
A list of drugstores and retail merchants is available at www. When using your card, always save your itemized receipts. Requested receipts and documentation for card transactions can be submitted online at www. Instructions will be provided in the request. Submit a Claim When not using the Beniversal Card or for Dependent Care expenses, you can submit a claim with your itemized receipt or supporting documentation. Follow the on screen instructions. Reimbursements are paid weekly.
To receive your reimbursements by direct deposit, please log into www. Mastercard is a registered trademark of Mastercard International Incorporated. Card accepted at qualified merchants accepting Debit Mastercard. All rights reserved. BRiWeb allows you to view balance and transaction information, submit claims, download plan documents and much more.
To log in, go to www. Click Participants under Login. Once logged in, BRiWeb will open to a Dashboard which provides a quick snapshot of your account s. Download the BRiMobile app BRiMobile is your on-the-go account access to view balances and recent transactions, submit claims, send receipts or sign-up for account alerts. Learn more at www. Contact Participant Services Participant Services is available to assist with your questions by phone, chat and email.
Representatives are available in English and Spanish. For more information on these or other account information, please visit us at www. Getting Started 1. TIPS: Be a little conservative in your estimates.
Check your Plan Highlights to see what happens to funds that you do not use by the end of the plan year. Also, be sure to check with your employer or review your Plan Highlights for any minimum or maximum limits that may apply, along with any restrictions on eligible expenses. Your employer will provide you detailed instructions regarding how and when enrollment will need to be completed.
If online enrollment is offered by your employer, go to www. Once logged in, navigate to the enrollment area. What do participants think of their Beniversal FSA? Keep it up! If you have enrolled in a Medical FSA for the first time and the Beniversal Card is offered, it will arrive in a plain white envelope from Benefit Resource. Once you receive your card, you will need to activate it by calling the number on the activation sticker.
If you already have a Beniversal Card, you can continue to use the card through the expiration date. If you are not using a card or have dependent care expenses, you can begin submitting claims for reimbursement. Please check with your employer or refer to your Plan Highlights regarding any restrictions that may exist regarding eligible expenses and time frames for using funds and reimbursing eligible expenses.
Visit us online at: www. A Medical FSA allows you to set aside money on a tax-free basis to pay for eligible out-of-pocket medical expenses. Typically, any unspent funds are forfeited at the end of the plan year. What does it mean for you? Less stress in determining an election. A Rolling Medical FSA allows you to more freely estimate or over-estimate your anticipated medical expenses. In the past, you were required to precisely estimate how much you might spend.
If you over-estimated, you were left scrambling to use funds at the end of the plan year or risked losing them. At some point we all have some eligible medical expenses, but we may not know when they will hit. If you have had an FSA before, you may have a good understanding of your spending habits. If you have used all your FSA funds in past years, you may want to increase your election slightly. Enrolling Your employer will let you know how and when your Medical FSA enrollment must be completed.
However, participation is voluntary, and you may opt out of the tax-free premium feature of the plan by signing a waiver form and returning it to the Plan Administrator prior to the date indicated in Section A of your Plan Highlights or prior to the beginning of each new plan year.
Maximize Your Benefits By taking advantage of this plan, you can make your benefits more affordable and increase your spendable income. Please take the time to carefully read this summary so that you understand the advantages of participating in this valuable program. Congress created Section to allow employees to save taxes on the money they spend on certain group insurance premiums e.
If you do participate in this feature of the plan, the amounts deducted from your pay will go directly to the applicable insurance company in payment of your premiums. The insurance company will continue to pay your benefits in accordance with the policy.
Remember, participating in the plan does not change your existing insurance coverage; it simply allows you to pay your insurance premiums tax-free. How the Plan Works If you participate in the plan, you can have money deducted from your pay tax-free to use for certain group insurance premiums. Your employer may also offer you the option of Flexible Spending Accounts, which enable you to pay for eligible medical expenses not covered by insurance, eligible dependent care expenses and eligible adoption expenses tax-free.
With Flexible Spending Accounts, you choose the amount you want to have deducted from your pay and set aside to pay for your eligible expenses. If your employer offers a High Deductible Health Plan, your employer may also offer you the opportunity to contribute to a Health Savings Account with payroll deductions on a tax-free basis. For a Medical FSA, eligible dependents may include your biological, adopted, step or foster children under age 26, and your other tax dependents.
You will indicate how much you want to designate for each type of account, up to the maximum amounts indicated in Section B of your Plan Highlights. That amount will be deducted tax-free from your pay in equal installments and will go into the account s you have elected. By participating in the Flexible Benefit Plan, you can pay for these benefits tax-free, meaning that you will not have to pay Federal income taxes, social security FICA taxes and most State income taxes on these amounts.
Because you pay less tax, your spendable income increases. Note: you will not have to pay Federal income taxes and most State income taxes on adoption assistance benefits. If you elect the Medical FSA, you can be reimbursed for many out-ofpocket expenses for eligible medical services provided to you, your spouse or your eligible dependents.
For example, deductibles, co-payments and many other items not covered by your health insurance can be reimbursed through this account. For a more detailed list, please refer to the Medical Expense Worksheet. There is no separate fund or account where assets are accumulated to fund the plan, nor is there a policy of insurance from which claims are paid.
The plan has a contract with Benefit Resource, Inc. If you elect the Dependent Care FSA, you can be reimbursed for child or adult day care expenses, in-home dependent care expenses and nursery school expenses. Participating in the Plan Only those employees who are eligible can participate in the plan. If you meet the requirements indicated in Section A of your Plan Highlights, you are eligible to participate.
You will begin participation in the plan on the date indicated in Section A of your Plan Highlights. There may be further eligibility restrictions for certain insurance benefits, as described in the applicable insurance certificates or plan documents. There are also special eligibility criteria to make contributions to a Health Savings Account, as described below.
These and other applicable requirements are discussed in more detail on the Dependent Care Expense Worksheet. Before you enroll in the Dependent Care FSA, you should also consider whether or not it would be to your advantage to instead use the Federal tax credit for child and dependent care expenses, since you cannot claim the credit for any expenses reimbursed through this account. If the Plan Administrator reasonably believes that you knowingly submitted an expense which is not eligible for reimbursement from a Flexible Spending Account, the Plan Administrator may immediately discontinue your participation in the plan, prohibit you from again participating in the plan and assess a surcharge for ineligible expenses.
The Plan Administrator may request from you any information reasonably necessary to assist in such determination. Your failure to provide such information shall be cause for the Plan Administrator to find that you knowingly submitted an expense that is not eligible. Tax-Free Insurance Premiums If you are eligible to participate and are already enrolled in any of the group insurance plans indicated in Section A of your Plan Highlights, you will be Benefit Resource at least 5 business days prior to the processing date and within the time frame indicated in Section B of your Plan Highlights.
Claims denied during the run-out period may be resubmitted, but must be received within the time frame indicated in Section B of your Plan Highlights. Deciding How Much to Set Aside in a Flexible Spending Account If you enroll in any of the Flexible Spending Accounts offered under the plan, you must carefully consider the amount you want to elect for each type of account.
Keep in mind that if your actual expenses during the plan year exceed the amount you elect, you will only be reimbursed up to the amount of your election. If your actual expenses during the plan year are less than the amount you elect for that purpose, you should refer to Section B of your Plan Highlights regarding unused funds. Qualified Reservists Distributions QRD If you are enrolled in a Medical FSA and are called to or ordered to report to active duty as a reservist for a period of at least days or for an indefinite period, you may be eligible to receive reimbursement of the balance of your unused Medical FSA contribution amount on an after-tax basis.
Section B of your Plan Highlights indicates if your employer has elected to permit such distributions. Because of these rules, you need to be as accurate as possible when you decide how much to elect for reimbursement. Section B of your Plan Highlights indicates if your plan allows the grace period. A Beniversal Card gives you the convenience of paying for eligible medical expenses directly, rather than having to pay the expense and then seek reimbursement.
Please be sure to read the separate communication explaining the special rules and requirements that apply to your Beniversal Card.
You cannot request claim reimbursement for any expense purchased with your Beniversal Card. These restrictions do not apply to a Limited HRA. How the Plan Reimburses You from Your Flexible Spending Accounts In order to receive reimbursement for eligible medical expenses not purchased with the Beniversal Card, you must submit a completed Benefit Resource claim form accompanied by the required documentation of the expense being claimed.
For a medical claim, the documentation can be an itemized statement or bill from your provider or an itemized Explanation of Benefits EOB from your insurance carrier. The documentation must clearly indicate the name of the provider, a description of the service provided, the date the service was provided and your out-of-pocket cost for the service after insurance payments have been made.
The amount you can contribute to an HSA is limited by tax laws. Your maximum contribution depends in part on your HSA-compatible High Deductible Health coverage option for the calendar year in which the contribution is made.
An additional catch-up contribution may be made by participants who are age 55 or older. Your employer may also make a contribution to your HSA. Maximum contribution amounts are indicated in Section C of your Plan Highlights.
Note that only services provided during the time frame indicated in Section B of your Plan Highlights are eligible for reimbursement. Claims for reimbursement of eligible expenses must be submitted after the service has been provided.
HSA benefits under this plan consist solely of the ability to make contributions to the HSA through payroll deductions on a tax-free basis and any applicable employer contributions. If you are enrolled in a Medical FSA, you may be reimbursed up to the full amount of your annual election less the amount of prior reimbursements for the plan year plus any Medical FSA Rollover amounts from the prior plan year.
Section B of your Plan Highlights indicates if the plan allows the rollover. Please be sure to read the separate communication explaining the special rules and requirements that apply to your card.
Claims are processed by Benefit Resource on a regularly scheduled basis as indicated in Section B of your Plan Highlights. Claims must be received by Regardless of how funds from your HSA are accessed, you are responsible for maintaining all documentation and receipts to prove that funds from your HSA were used for eligible medical expenses.
Changes During the Plan Year In general, once you have enrolled in the plan, you cannot change your elections or withdraw from the plan during that plan year. Your elections for any given plan year, subject to the exceptions below, must be made before the beginning of that plan year. The plan year begins and ends on the dates indicated in Section A of your Plan Highlights. However, you may be permitted to prospectively change an election during a plan year when: 1.
Note: If your employment terminates and resumes in the same plan year within a period of 30 days or less, your elections in effect before the termination will automatically be reinstated upon resumption of your employment, unless some other intervening event has occurred that would permit a change in your elections. If there is an ordinary increase or decrease in premiums, your payroll deductions will be automatically adjusted to reflect the change.
Dependent Care FSA elections cannot be changed midyear due to an increase in cost for services provided by a relative. The new coverage must be effective the day immediately following the last day that your original coverage ended. In addition, you may only change your election for an Adoption Assistance FSA if you commence or terminate an adoption proceeding. Whenever any of the events listed above occurs, the election changes permitted are only those that conform to and are consistent with that event.
See the Election Change Overview to determine which benefit election changes are permitted under the above circumstances. For example, a Medical FSA election cannot be changed due to an event described in paragraphs 2 through 8 above.
A request to change an election due to one of the events listed above must be submitted to your employer within the time frame required by your employer. Note also that participants cannot reduce FSA elections to the point where contributions are less than the amount already reimbursable for that plan year. You can also prospectively change or revoke your salary reduction elections for Health Savings Account contributions at any time, so long as the election is made by any applicable administrative processing deadline imposed by your employer or Benefit Resource.
Loss of Eligibility including termination of employment If you lose eligibility during the plan year, your group health insurance coverage will continue during any period for which premium payments have already been deducted from your pay. If you lose eligibility, you will receive information about your rights to continuation of coverage from your employer. If you are enrolled in a Medical FSA and lose eligibility during the plan year, you may claim reimbursement of expenses for eligible medical services provided on or before your last day of eligibility.
To do so, you must submit your claim for reimbursement within the time frame indicated in Section B of your Plan Highlights. By contrast, if you are enrolled in a Dependent Care or Adoption
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Answer: Please use payer ID code to submit dental claims electronically. In general, the biggest difference between PPO vs. POS plans is flexibility. POS, or Point of Service plans , have lower costs, but with fewer choices. A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. HMO stands for health maintenance organization.
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This is one step among a series of aggressive actions that CareFirst is and will continue to take to confront a health crisis that is facing the nation.
The insulin benefit change applies only to members in commercial fully-insured plans. CareFirst will also provide its self-insured plans with an option to waive the cost of insulin to members. In addition to these upcoming benefit changes, CareFirst members currently have access to care support programs that help members living with diabetes manage their condition. These proposed benefit changes for fully-insured plans are subject to the review and approval of regulatory agencies.
Cost of Prescription Drugs | CareFirst BlueCross BlueShield Home Our Plans Health & Wellness Managing Health Care Costs Cost & Comparison Tools Cost of Prescription Drugs Health Spending Account Resources Cost of Prescription Drugs Researching your prescription costs may help you plan your medical spending. [Maryland and WDC] Offers healthcare insurance to residents of Maryland and Washington, DC. Information for Brokers, employers, and providers, as well as links to consumer health and . Get the Coverage That’s Right for You. You know health insurance is essential to protecting your overall health and well-being. You also know it can be complicated. an association of .