Harvard pilgrim explorer pos

Jul 1, 2023 ... Harvard Pilgrim Explorer. 52 (48 deducts). 65.91. 162.87. POS. 26 (24 deducts). 131.82. 325.74. Broad Network. 22. 143.80. 355.35. 21. 150.65.

BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancoversProvider Training and Events. Learn about upcoming webinars and office manager meetings, watch 3-minute video training sessions, and access training guides and resources. Plus share your feedback to help us create new events and tools geared to your needs. View training and events.We recognize that providers may not be familiar with this change; if they have any questions they can speak with a representative in our Provider Services Call Center …Harvard Pilgrim Health Care and Tufts Health Plan combined under the parent organization Point32Health on Jan. 1, 2021. Refer to this FAQ to learn about the work we have done in transitioning our processes and products — and our plans for what’s ahead. Refer this FAQ. Tools and resources to assist Harvard Pilgrim network providers ...ID:MD0000005799_ X ScheduleofBenefits TheHarvardPilgrimExplorerPOSPlan MASSACHUSETTS PleaseNote:ThisPlanincludesanIn-Networktieredprovidernetwork.Inthisplan,Members ... You can search for providers without logging in. You will need to select a plan name to search for participating providers. Select a plan. If you can't locate your provider or are unsure of their availability, please call Member Services at the number on your ID card. ProviderLookup Online ... Loading...You also may call Harvard Pilgrim to request a paper copy of the provider directory at no charge. ***Consistently among the nation’s highest-rated health plans, Harvard Pilgrim Health Care (private HMO/POS and PPO plans) and Harvard Pilgrim Health Care of New England (private HMO/POS plans) have been rated 4.5 out of 5 in NCQA’s Private ...

Harvard Pilgrim Explorer POS $214.21 $528.87 $267.76 $661.09 Mass General Brigham Health Plan Complete HMO $196.22 $516.81 $245.28 $646.01 Harvard Pilgrim Quality HMO Limited $158.41 $401.23 $198.01 $501.54 Wellpoint Community Choice PPO-TYPE $149.82 $369.98 $187.28 $462.48Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. Harvard Pilgrim is a leading not-for-profit health services company serving members in Connecticut, Maine, Massachusetts, New Hampshire & beyond. Call us today!Call Member Services at (888) 333-4742 or at the number on your Member ID card available also via your secure account or mobile app. Contact Us. Not yet a member? View our helpful tips to pick a plan.Harvard Pilgrim was founded by doctors nearly 50 years ago and now serves more than 3 million customers. Medicare is a federal health insurance program that’s made up of several different parts.Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of New England . Page 1 of 3 . and HPHC Insurance Company. Fitness Reimbursement Form Instructions Quality HMO, Explorer POS & Access America Please read the instructions below, then fill out the Fitness Reimbursement Form on page 3.Harvard Pilgrim’s HMO-POS plans provide members with the ability to access certain services out-of-network anywhere in the US (territories excluded). Under the Point-of-Service (POS) benefit, you will not pay a higher cost share when using an out-of-network provider. However, if you use an out-of-network provider, you must follow theHarvard Pilgrim Health Care provides nationally ranked health plans and care-based programs and services to nearly 900,000 members in New England and beyond. Founded by doctors more than 50 years ago, we’re building on our legacy by working with our expansive network of health care providers and hospitals to help move health care forward.Harvard Pilgrim’s HMO-POS plans provide members with the ability to access certain services out-of-network anywhere in the US (territories excluded). Under the Point-of-Service (POS) benefit, you will not pay a higher cost share when using an out-of-network provider. However, if you use an out-of-network provider, you must follow the

If you believe that you qualify for this special enrollment period, please call us at 855-354-4742, and we will be happy to assist you. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet ...“Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 6. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list of With the Point32Health Provider site, we aim to make it easy for you to work with us to support our members’ health and wellbeing — including providing you and your office staff with updated information for both our legacy brands, Harvard Pilgrim Health Care and Tufts Health Plan. While we still offer provider information on the sites of ... BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancovers Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. View new member resources. Harvard Pilgrim is a leading not-for-profit health services company serving members in Connecticut, Maine, Massachusetts, New Hampshire & beyond. Call us today!

Who is kat stickler.

Harvard University Medical Plan: Harvard Pilgrim Health Care (HPHC) POS Coverage Period: 01/01/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family | Plan Type: POS Questions: Call 1-888-333-4742 or visit us at www.harvardpilgrim.org.POS Open Access HSA plan Routine and preventive care* There’s no extra charge for routine annual exams with your PCP and many preventive tests and services. Other tests and services your PCP orders may require cost sharing. Specialty care You can see specialists inside or outside of Harvard Pilgrim’s network for covered services.State employee with Harvard Pilgrim Explorer Family State retiree with Wellpoint Medicare Extension coverage: Full-Cost premium on July 1, 2024 (Monthly): 12-month benefit = $2,637.99. 25% of this premium. Individual coverage: Full-Cost premium on July 1, 2024 (Monthly): 12-month benefit = $443.35.In today’s rapidly evolving business landscape, staying up-to-date with the latest trends, insights, and strategies is crucial for success. Thankfully, platforms like Harvard Busin...Harvard Pilgrim in advance of a hospital admission when non-participating providers are involved. Your prescription drug coverage CVS Caremark, not Harvard Pilgrim, administers your prescription drug program. If you have questions about this program, please contact CVS Caremark at (866) 329-3056 or visit www.caremark.com.Prior authorization needed. Under most Harvard Pilgrim plans, prior authorization is required for the following. For members enrolled in Harvard Pilgrim’s HMO products, prior authorization is required for any elective referral to a non-contracted provider. See the criteria used to review prior authorization requests. Back pain management.

Get to know the resources available to you and your family. Access high-quality care, support and services along your entire wellness journey. View new member resources. Harvard Pilgrim is a leading not-for-profit health services company serving members in Connecticut, Maine, Massachusetts, New Hampshire & beyond. Call us today! ID:MD0000005799_ X ScheduleofBenefits TheHarvardPilgrimExplorerPOSPlan MASSACHUSETTS PleaseNote:ThisPlanincludesanIn-Networktieredprovidernetwork.Inthisplan,Members ... Member? Register now! Create a secure account to see your personal health information.. Forgot password or username? Need help with your account? Contact Member Services at (888) 333-4742. We recognize that providers may not be familiar with this change; if they have any questions they can speak with a representative in our Provider Services Call Center …“Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 7. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list ofMembers can receive care for covered services without a PCP referral; they have in-network coverage when visiting participating providers and out-of-network coverage when visiting non-participating providers. The LP (low-cost provider) benefit allows members to save money at select facilities for lab services and outpatient services.Care Management. 888-888-4742, x 31035. E-Services/EDI-Direct: 800-708-4414 (Option 1; then 3) E-Services/HPHConnect Service Center: 800-708-4414 (Option 1; then 6) Email: [email protected]. Find all the prior authorization materials that you may need to reference or utilize to provide care for our commercial members.Adult medicine. Adolescent medicine. Geriatric medicine. Pediatrics. Family practice. Check that your PCP is in your plan's network and listed in your member profile before making an appointment. You can change your PCP through your member account or by calling Member Services at 888-333-4742 (TTY: 711 ).Care Management. 888-888-4742, x 31035. E-Services/EDI-Direct: 800-708-4414 (Option 1; then 3) E-Services/HPHConnect Service Center: 800-708-4414 (Option 1; then 6) Email: [email protected]. Find all the prior authorization materials that you may need to reference or utilize to provide care for our commercial members.Harvard Pilgrim! As a Group Insurance Commission (GIC) member, you have a lot of choices for health insurance. When you choose Harvard Pilgrim’s limited-network Primary ChoiceSM HMO or broad-network IndependenceSM Plan POS, you get great benefits and coverage, plus a whole lot more to help you be well. And because your physical health makes up

HARVARD PILGRIM EXPLORER. POS. COBRA. 77.5%. 22.5%. 22.5%. 22.5%. 22.5%. 22.5%. 22.5%. Individual. $976.42. $756.73. $219.69. $50.70. $69.38. $101.40. $125.54.

Integration FAQ. Overview. We want to keep our network providers aware of the work that we have done in transitioning our technologies, processes, and products since Harvard Pilgrim Health Care and Tufts Health Plan combined under the parent organization Point32Health on Jan. 1, 2021. This FAQ shares that progress and a look at what’s ahead.Harvard University Medical Plan: Harvard Pilgrim Health Care (HPHC) POS Coverage Period: 01/01/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan …Harvard Pilgrim will assign one to you. For in-network coverage, your PCP must provide or arrange for your care (except in emergencies). You must get a referral from your PCP for most kinds of specialty care. The HMFP & APHMFP myClassic POS Plan is a flexible option for your health care needs. My family and I already have PCPs that we like.Harvard Pilgrim is an HMO/HMO-POS plan with a Medicare contract. Enrollment in Stride SM (HMO) depends on contract renewal. Harvard Pilgrim’s Medicare Supplement Plan …With the Point32Health Provider site, we aim to make it easy for you to work with us to support our members’ health and wellbeing — including providing you and your office staff with updated information for both our legacy brands, Harvard Pilgrim Health Care and Tufts Health Plan. While we still offer provider information on the sites of ...Jul 1, 2023 ... Harvard Pilgrim Explorer POS — Harvard Pilgrim Explorer POS (formerly HPHC Independence Plan POS and Tufts Navigator ) is a tiered full-network ...“Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 7. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list ofwww.harvardpilgrim.org BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancovers Harvard Pilgrim Health Care and Tufts Health Plan combined under the parent organization Point32Health on Jan. 1, 2021. Refer to this FAQ to learn about the work we have done in transitioning our processes and products — and our plans for what’s ahead. Refer this FAQ. Tools and resources to assist Harvard Pilgrim network providers ...

Bloxfruit stats.

Aspen dental denture prices.

A group of researchers from Harvard Business School and Stanford dug into what's behind gender discrimination at work. As a women with an advanced STEM degree, it often feels like ...Harvard Pilgrim is an HMO/HMO-POS plan with a Medicare contract. Enrollment in Stride SM (HMO) depends on contract renewal. Harvard Pilgrim’s Medicare Supplement Plan coverage is underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health Care. This product is not connected with or endorsed by the U.S. Government or …Harvard Pilgrim will assign one to you. For in-network coverage, your PCP must provide or arrange for your care (except in emergencies). You must get a referral from your PCP for most kinds of specialty care. The HMFP & APHMFP myClassic POS Plan is a flexible option for your health care needs. My family and I already have PCPs that we like.Integration FAQ. Overview. We want to keep our network providers aware of the work that we have done in transitioning our technologies, processes, and products since Harvard Pilgrim Health Care and Tufts Health Plan combined under the parent organization Point32Health on Jan. 1, 2021. This FAQ shares that progress and a look at what’s ahead.Explore options. Understanding Medicare. Back to Health & wellness ... If you have a POS or PPO product (including Access America) and you see an in-network provider ... Questions about Harvard Pilgrim’s prior authorization process? Call Member Services at (888) 888-4742 (TTY: 711).The following practices were named in the 2021 Harvard Pilgrim Physician Group Honor Roll (“with Distinction” status noted with an asterisk*): Connecticut. ProHealth Physicians : Central, CT: Maine. InterMed: Portland, ME: Martin's Point Healthcare: Portland, ME: Massachusetts. Acton Medical Associates:If you have questions about your benefits and coverage, we can help! Simply call our Member Services team at (888) 333-4742 (TTY: 711) or send a secure message (requires login). You can also see if we have already answered your questions in our Ask Member Services FAQs. Read our FAQs.“Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 6. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list ofThis is a resource tool for standard HMO, POS, and PPO products; please keep in mind that products may vary by employer group and state. No guarantee of payment is implied. Use this guide as a quick reference tool, only, as it is not comprehensive. For questions, call the Provider Service Center at 800-708-4414. KEY R= Referral. ….

BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancoversHarvard Pilgrim Health Care StrideSM Basic Rx (HMO), StrideSM Value Rx (HMO), StrideSM Value Rx Plus (HMO), StrideSM Choice Rx (HMO-POS) and StrideSM Gain RxSM (HMO) 2021 Formulary (List of Covered Drugs) PLEASE READ: THIS DOCUMENT CONTAINS INFORMATION ABOUT THE DRUGS WE COVER IN THIS PLAN …Wellpoint is the only health plan that offers healthcare benefits exclusively to Massachusetts Group Insurance Commission (GIC) members. We are uniquely ...BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancovers Already a member:(888) 333-4742. Not yet a member:(866) 874-0817. TTY:711. Once you’re a member. Register for your member account at harvardpilgrim.org: • Look up the details of your plan. • Compare costs for tests and procedures. • Explore different health topics and ways to be well. There is not a provider directory, as any provider who accepts Medicare is considered in-network for this plan. If you are experiencing an urgent matter, please contact HPHC at 1-844-442-7324. You can monitor the Harvard Pilgrim Health Care - Point32Health website for updates. We will continue to keep you updated should any additional ...Harvard Pilgrim Access America . Q. What health plan is available for those living outside of the U.S.? UniCare Total Choice is the only health insurance plan offered by the GIC that is available for members living outside of the U.S. Q. Do all plans cover emergency services when you are traveling outside of the U.S.?With the Point32Health Provider site, we aim to make it easy for you to work with us to support our members’ health and wellbeing — including providing you and your office staff with updated information for both our legacy brands, Harvard Pilgrim Health Care and Tufts Health Plan. While we still offer provider information on the sites of ...Jul 1, 2023 · Harvard Pilgrim Explorer POS is a Point of Service (POS) plan that covers preventive and medically necessary health care services and supplies that you need to help stay healthy and to help you get healthy when you’re sick. How this plan works: How this plan works • Full network — any provider on Harvard Pilgrim is part of the Harvard ... Harvard pilgrim explorer pos, Harvard Pilgrim Explorer POS $1,067.87 $2,645.90 Mass General Brigham Health Plan Complete HMO $977.66 $2,585.42 Harvard Pilgrim Quality HMO Limited $788.04 $2,005.81 Wellpoint Community Choice PPO-TYPE $744.97 $1,849.09 Health New England HMO Regional $778.25 $1,866.96, Harvard Pilgrim is an HMO/HMO POS plan with a Medicare contract. Enrollment in Stride SM (HMO) depends on contract renewal. Links on this page may take you away from the Harvard Pilgrim Health Care website. H6750_23036 Last Update: 04/13/2023. Point32Health is the parent organization of Harvard Pilgrim Health Care …, BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancovers, Member? Register now! Create a secure account to see your personal health information.. Forgot password or username? Need help with your account? Contact Member Services at (888) 333-4742., Harvard Pilgrim Health Care of New England and HPHC Insurance Company. *The plan’s service area includes Maine, Massachusetts, New Hampshire, Connecticut, Rhode Island and Vermont. If you live outside of the service area, you are not required to have a PCP; however, we recommend you have one, Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. 2022-2023 ... 11 Independence POS Plan 16 Compare the Plans 17 Maximize your health plan 18 Digital tools 19 Know your care options 20 Well-being support for you, Welcome to the plan comparison page! To get started, please select the state and group segment you wish to display plans for. Then, select which comparison view you’d like. “Compare Current” allows you to compare your client’s current plan to new plans. “Compare New” allows for comparison of new plans across the portfolio. HSA. Non ..., Harvard Pilgrim Health Care — GIC Quality HMO and Explorer POS Fast Facts Effective 07/01/2024–6/30/2025 Form: 1426_06 Fast Facts For Hospitals and Professional Providers ... price (40%) for Harvard Pilgrim HMO/POS Self Insured business. • Risk-adjusted TME was based on 2021 utilization. • TME is measured at the LCU level; each CSU was, Harvard Pilgrim Explorer POS is a Point of Service (POS) plan that covers preventive and medically necessary health care services and supplies that you need to help stay healthy and to help you get healthy when you’re sick. How this plan works: How this plan works •ull network — any provider on Harvard Pilgrim is part of the Harvard ... , I was going to go up a level to Harvard Pilgrim Explorer (formerly Tufts Navigator) and pay about $50 more per month for my son and I (family plan), but the Mass General Brigham …, Harvard Pilgrim Explorer POS is a Point of Service (POS) plan that covers preventive and medically necessary health care services and supplies that you need to help stay healthy and to help you get healthy when you’re sick. How this plan works: Full network — any provider on Harvard Pilgrim is part of the Harvard Pilgrim Explorer POS plan., ProviderLookup Online ... Loading..., Explore information on health conditions, wellness, prevention, life stages and more. ... If you have a POS or PPO product (including Access America) ... Questions about Harvard Pilgrim’s prior authorization process? Call Member Services at (888) 888-4742 (TTY: ..., I got a new job and have new insurance: Harvard Pilgrim Explorer POS through the MA GIC. I have CVS Caremark for prescriptions. I just went to Walgreens and tried to pick up a Rx for my increased gel dose (T gel 1%, 50mg; Actavis; NDC 0591-3216-30) and it wasn't covered. The Tech was unable to tell me if it simply was not covered at all or if ..., “Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 6. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list of, With the Point32Health Provider site, we aim to make it easy for you to work with us to support our members’ health and wellbeing — including providing you and your office staff with updated information for both our legacy brands, Harvard Pilgrim Health Care and Tufts Health Plan. While we still offer provider information on the sites of ..., Who needs Harvard Business School? This woman dropped out and sold her six-year-old startup for $250 million. Alexa von Tobel, who dropped out of Harvard Business School six years ..., Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. 2022-2023 Member Guide Find everything you need at ... Explore the basic practices of mindfulness with instructional videos and guided meditation through our, Our hours are October 1 – March 31, from 8 a.m. – 8 p.m , 7 days a week and from April 1 – September 30, from 8 a.m. – 8 p.m., Monday through Friday. Harvard Pilgrim is an HMO/HMO-POS plan with a Medicare contract. Enrollment in Stride℠ (HMO) depends on contract renewal. H6750_23036 Last Update: 11/30/2023., Jan 1, 2024 · UnitedHealthcare providers are considered in-network on the Explorer POS plan and services will still be covered at the in-network level of benefits. We recognize that providers may not be familiar with this change; if they have any questions they can speak with a representative in our Provider Services Call Center at 800-708-4414, , Harvard Pilgrim Explorer POS $214.21 $528.87 $267.76 $661.09 Mass General Brigham Health Plan Complete HMO $196.22 $516.81 $245.28 $646.01 Harvard Pilgrim Quality HMO Limited $158.41 $401.23 $198.01 $501.54 Wellpoint Community Choice PPO-TYPE $149.82 $369.98 $187.28 $462.48, Jul 1, 2023 · Harvard Pilgrim. Harvard Pilgrim - Access America (PPO): 164580. Harvard Pilgrim - Explorer Plan (POS): 43598. Harvard Pilgrim - Quality Plan (HMO): 020285. Harvard Pilgrim - Medicare Enhance (Supplement): 074645. Health New England. Health New England (HMO): S03057. Health New England - Medicare (Supplement): S03057. Mass General Brigham ... , GIC Non-Medicare Health Plans. Find information about the different non-Medicare health plans the GIC offers and choose the health plan that best fits your needs. All GIC non-Medicare health plans include prescription drug benefits. Learn more about GIC prescription drug benefits below., Already a member:(888) 333-4742. Not yet a member:(866) 874-0817. TTY:711. Once you’re a member. Register for your member account at harvardpilgrim.org: • Look up the details of your plan. • Compare costs for tests and procedures. • Explore different health topics and ways to be well., “Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just “Harvard Pilgrim Health Care.” Your health insurance plan is the best source for this information. 6. You may only enroll in or change your health plan election during GIC’s annual enrollment or within 60 days of a qualifying status change event. For a complete list of, You can search for providers without logging in. You will need to select a plan name to search for participating providers. Select a plan. If you can't locate your provider or are unsure of their availability, please call Member Services at the number on your ID card., Care Management. 888-888-4742, x 31035. E-Services/EDI-Direct: 800-708-4414 (Option 1; then 3) E-Services/HPHConnect Service Center: 800-708-4414 (Option 1; then 6) Email: [email protected]. Find all the prior authorization materials that you may need to reference or utilize to provide care for our commercial members., Harvard Pilgrim Quality HMO and Explorer POS Products Tiering Structure Below are the key foundational concepts of Harvard Pilgrim’s 2024-2025 tiering methodology for our Quality HMO and Explorer POS GIC products, which are based largely around cost and quality information: • Hospitals were categorized as Academic, Teaching or , Harvard Pilgrim's prescription drug program is designed to give you and your providers as many choices as possible for your medication needs., Wellpoint is the only health plan that offers healthcare benefits exclusively to Massachusetts Group Insurance Commission (GIC) members. We are uniquely ..., Harvard Pilgrim Health CareStride℠ (HMO)/(HMO-POS) 2024 Formulary (List of Covered Drugs) PLEASE READ: This document contains information about the drugs we cover in this plan 24526 Version 11 This formulary was updated on 05/01/2024. For more recent information or other questions, please ... Harvard Pilgrim Stride℠ …, The Harvard Pilgrim Independence Plan℠POS MASSACHUSETTS PleaseNote:This Plan includes an In-Network tiered provider network. In this plan, Members pay different levels of Member Cost Sharing depending on the tier of the Provider delivering a Covered Benefit., HospitalInpatientServices: Hospital Tier 1: $275 Copaymentperadmission, thenDeductible Hospital Tier 2: $500 Copaymentperadmission, thenDeductible Hospital Tier 3: $1,500 Copaymentperadmission, thenDeductible SurgicalDayCare: $250 Copayment per visit, thenDeductible Deductible, then 20% Coinsurance. HearingAidsj.