Bcbs in texas -

 
Texas Medicaid and Medicare Advantage claims are normally finalized weekly on Mondays; Electronic Remittance Advice (ERA) ... (BCBS) Plan for 835 ERA enrollment. If an existing enrollment is already on file with the local BCBS Plan, then ERA files for services provided to BCBSTX members will be transmitted …. G suite for education

AcademicBlue SM are student health insurance plans provided by Blue Cross and Blue Shield of Texas (BCBSTX). This plan was designed specifically for university students and provides quality health insurance from a leader in the health care industry. Why choose AcademicBlue? Preventive care, including immunizations and prescription drug coverage. Or you can call the Fitness Program toll-free at (888) 762-BLUE (2583), Monday through Friday, 7 a.m. – 7 p.m. CT. Membership can be cancelled at any time by calling the Fitness Program toll-free at (888) 762-BLUE (2583). Earn 2,500 Blue Points for joining the Fitness Program and up to 300 points per week for weekly fitness center visits**.Dental Provider Resources. We offer deep discounts and one of the largest dental networks in the nation, along with ways to customize our plans for total flexibility. Behavioral Health Provider Resources. As the nation’s second largest health plan-owned company, Anthem Behavioral Health provides choice, innovation and access.With a Blue Cross and Blue Shield of Texas HMO POS plan, you also have the choice to go outside the network or see a specialist without a PCP referral. When you do this, the cost of the care will be covered at the POS benefit level, which is lower than in-network coverage. This means you’ll pay more out-of-pocket, but will have some benefits ...Blue Cross MedicareRx plans go beyond Original Medicare to offer coverage for prescription drugs. Whether you have a few prescriptions or a lot, Blue Cross and Blue Shield of Texas offers plans that can work for your health care needs and budget. The Blue Cross MedicareRx Value SM and Blue Cross MedicareRx …Health Insurance Texas | Blue Cross and Blue Shield of Texas. Insurance Basics. Shop Plans & Products. Find a Doctor or Hospital. Member Services. Join the …BCBS Settlement Update. In October 2020, Blue Cross and Blue Shield of Texas was part of a class action settlement in a case brought by Blue Cross Blue Shield subscribers related to licensing agreements within the Blue Cross and Blue Shield System. While we reject claims made by the plaintiffs in …An authorized Blue Cross and Blue Shield of Texas agent will contact you. No thanks, I'm still looking. Gold Plans . Print. Overview; ... Blue Cross Blue Shield Premier 2: On the Exchange: On the Exchange: BCBS Premier 1, a Multi-State Plan - Base Plan - …Get ready to explore the city that gave birth to Buddy Holly. UP IN THE TEXAS PANHANDLE, far from the sprawling metropolises of Dallas and Houston, sits the college town called Lub...Quality Care That’s Right for YouWhether you need a routine check-up or a specialty procedure, you want the best care you can find.BCBS recognizes doctors and hospitals for their expertise and exceptional quality in delivering care. Learn more about our Total Care and Blue Distinction® Specialty Care designation programs and find a designated doctor …Oct 13, 2023 · In-Network Options. When receiving services from a lab, specialty pharmacy, or durable medical equipment (DME) provider, it's important to make sure that the provider is in your network. A laboratory must be in-network in the state your referring provider is located. A specialty pharmacy must be in-network in the state your ordering physician ... Find BlueCross and BlueShield Therapists, Psychologists and BlueCross and BlueShield Counseling in Amarillo, Potter County, Texas, get help for BlueCross and BlueShield in Amarillo, get help with ...We would like to show you a description here but the site won’t allow us.AcademicBlue SM are student health insurance plans provided by Blue Cross and Blue Shield of Texas (BCBSTX). This plan was designed specifically for university students and provides quality health insurance from a leader in the health care industry. Why choose AcademicBlue? Preventive care, including immunizations and prescription drug coverage.A homestead exemption in Texas gives the homeowner a credit on taxes---reducing the taxable amount as much as $15,000 on school taxes and $3,000 on county road taxes. An additional... Each quarter, BCBSTX holds a Community Advisory Committee (CAC) Meeting so that we can find out how we can serve you better. If you would like to come and share your ideas with BCBSTX staff and community partners on what you like about your plan benefits or where we can do better, please call the member advocate toll-free for details at 1-877-375-9097 (TTY 711). Oct 13, 2023 · In-Network Options. When receiving services from a lab, specialty pharmacy, or durable medical equipment (DME) provider, it's important to make sure that the provider is in your network. A laboratory must be in-network in the state your referring provider is located. A specialty pharmacy must be in-network in the state your ordering physician ... *Texas Department of Insurance required Disclosure Notice for all individual HMO Consumer Choice benefit plans issued in Texas. This notice explains that the individual HMO plans noted above have a higher deductible or greater cost-sharing than what is required by Texas state law. ... BCBS Premier 2, a Multi-State Plan - … Compare BCBSTX health plan options online. Agent. A licensed BCBSTX authorized health plan specialist can answer questions and help you with your 2024 health care coverage. Request a health plan specialist if you don’t have one. Phone. You can call 1-888-731-0406 to speak with a BCBSTX licensed health plan specialist. Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Texas (BCBSTX) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ... You must be at least 18 years old to submit a request. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas (BCBSTX) deliver outstanding coverage and service. BCBSTX is a leader in individual and family health insurance plans in Texas.Welcome to the Blue Cross Blue Shield of Texas member website. Register now to check claim status, account activity alerts, and print a temporary ID card.Everything is bigger in Texas, including — surprise! — its Gulf Coast beaches. These are the best places to swim and suntan in the Lone Star State. We may be compensated when you c...26 Jan 2023 ... Ascension Texas and Blue Cross Blue Shield Texas reached an agreement, which means the contract for services between a major hospital system ...Need to find a doctor or hospital? Use our tools and resources to locate a provider near you.Blue Cross and Blue Shield of Texas can help you select between our flexible PPO and HMO health plans for small businesses based on your budget and needs. …It's time to review your health insurance options. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding coverage and service. BCBSTX is the leader in individual and family health insurance plans in Texas. Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Texas (BCBSTX) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ... Prior Authorization Procedure Codes List for Other ASO Plans Effective 01/01/2023 – 12/31/2023 (Includes changes effective 10/01/2023) Availity® Authorization & Referrals. Blue ApprovR SM. MCG TM Care Guidelines: Providers can access these in the BCBSTX-branded Payer Spaces section in Availity ® under the Resources …It's time to review your health insurance options. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding …Or you can call the Fitness Program toll-free at (888) 762-BLUE (2583), Monday through Friday, 7 a.m. – 7 p.m. CT. Membership can be cancelled at any time by calling the Fitness Program toll-free at (888) 762-BLUE (2583). Earn 2,500 Blue Points for joining the Fitness Program and up to 300 points per week for weekly fitness center visits**.Thinking of moving to Texas? You wouldn't be the first to be drawn to the economic opportunities in the state, as well as its low cost of living. Calculators Helpful Guides Compare...Claims and Eligibility. This section presents an introduction to doing business with Blue Cross and Blue Shield of TX (BCBSTX), along with an overview of options and resources that may help you maximize administrative efficiencies in your office. The pages in this section are designed to follow the claim cycle — from the moment a BCBSTX ...Quality Care That’s Right for YouWhether you need a routine check-up or a specialty procedure, you want the best care you can find.BCBS recognizes doctors and hospitals for their expertise and exceptional quality in delivering care. Learn more about our Total Care and Blue Distinction® Specialty Care designation programs … Centers for Bariatric Surgery. Blue Distinction ® Centers and Blue Distinction ® Centers+ for Bariatric Surgery offer a full range of bariatric surgery care, including: surgical. post-op. outpatient follow-up. and patient education. These centers have lower complication rates and fewer readmissions. Directory of Blue Distinction ® Centers ... Find a Pharmacy. If your Blue Cross and Blue Shield of Texas (BCBSTX) plan includes prescription drug coverage, select from the links below to search for a …All Blue Cross and Blue Shield of Texas Gold plans offer the same set of health benefits, quality and amount of care. Your Gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: When you visit your primary … You can choose or change your PCP by calling a BCBSTX Personal Health Assistant toll-free at (800) 252-8039 (TTY: 711) or by logging in to Blue Access for Members SM: Log in to Blue Access for Members by clicking on “Log In” in the upper right corner at www.healthselectoftexas.com. The home delivery pharmacy service offers members: Three ways to order refills: online, by phone or through the mail. A choice to get a text or email notice to let the member know when their order has been received, and when their order has been mailed. Up to a 90-day supply of the member’s regular or long-term medicine mailed at one time.About Us. Blue Cross and Blue Shield of Texas is a statewide, customer-owned health insurer. We believe Texas consumers and employers deserve the best of both worlds: access to affordable, quality health care and top-notch service from a company that focuses solely on customers, not shareholders. Customer value is …Blue Cross and Blue Shield of Texas (BCBSTX) has been serving individuals and families in Texas for 90 years. In collaboration with Sanitas Medical Centers, we are working together to bring you an easier way to access health care. At Sanitas Locations, BCBSTX Members Can Expect: One-on-one assistance to help you choose your health …Find BlueCross and BlueShield Therapists, Psychologists and BlueCross and BlueShield Counseling in Amarillo, Potter County, Texas, get help for BlueCross and BlueShield in Amarillo, get help with ...A virtual visit lets you have a live consultation with an independently contracted, board-certified MDLIVE doctor or therapist. This can happen 24 hours a day, …Prior Authorization Procedure Codes List for Other ASO Plans Effective 01/01/2023 – 12/31/2023 (Includes changes effective 10/01/2023) Availity® Authorization & Referrals. Blue ApprovR SM. MCG TM Care Guidelines: Providers can access these in the BCBSTX-branded Payer Spaces section in Availity ® under the Resources …1 This facility indicated voluntarily that Radiologists, Anesthesiologists, Pathologists, Hospitalists, and Intensivists who provide services for elective (scheduled) procedures related to this Blue Distinction Specialty Care program are in the local Plan's BlueCard PPO network. 2 This is a freestanding surgery center that performs outpatient ... Mail a personal check, money order or cashier's check to: Blue Cross and Blue Shield of Texas. P.O. Box 650774. Dallas, TX 75265-0774. Be sure you follow all instructions shown on your bill. Jul 11, 2023 · The answer is yes – but there are a few things you need to know before using your Blue Cross Blue Shield insurance in another state. First, check with your provider to see if they have any out-of-state coverage agreements. If they do, then your coverage should extend to that state. If not, you may still be covered by Blue Cross Blue Shield ... Blue Cross and BlueShield of Texas contracts with ModivCare to provide NEMT to STAR members as a covered benefit through Texas Medicaid. Call 1-866-824-1565 (TTY: 711) between 8 a.m. and 5 p.m. Central Time, Monday through Friday, for more information about NEMT or to schedule a ride. Rides are available 24 hours a day, 7 days a week. These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims status and more BCBS State by State | Blue Cross Blue Shield. Improving Health State-by-State, For the Health of America. In every state and every community, BCBS companies are making a difference not just for our members, but For the Health of America. Select a State. Choose an option. Information current and approximate as of December 31, 2018. If you have ...Small Business Insurance Options | Blue Cross Blue Shield of Texas. INSURE YOUR TEAM. ENSURE YOUR BUSINESS. Group Coverage Built for Small …The HealthSelect 24-hour crisis line is open for plan participants impacted by public emergencies and natural disasters. If you need help with things like changing appointments or finding a new provider, or you need a consultation with a mental health clinician, we’re here for you. Call 1-800-252-8039 (TTY: 711) to access … Maintenance Notification: Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20. We apologize for any inconvenience. The drug lists below are used with BCBSTX "metallic" health plans that are offered through your employer. These can include Platinum, Gold, Silver, or Bronze plans. If your company has 1–50 employees, your prescription drug benefits through BCBSTX are based on a Drug List, which is a list of drugs considered to be safe and effective. If you are a … BCBSTX Mobile App. Features: Find a doctor, hospital or urgent care facility. Access your claims, coverage and deductible information. Ability to view and email your ID. Available in Spanish. Available for iPhone and Android users. To download the app, text* BCBSTXAPP to 33633 or search for BCBSTX in the Apple App Store or Google Play . The HealthSelect 24-hour crisis line is open for plan participants impacted by public emergencies and natural disasters. If you need help with things like changing appointments or finding a new provider, or you need a consultation with a mental health clinician, we’re here for you. Call 1-800-252-8039 (TTY: 711) to access …1 This facility indicated voluntarily that Radiologists, Anesthesiologists, Pathologists, Hospitalists, and Intensivists who provide services for elective (scheduled) procedures related to this Blue Distinction Specialty Care program are in the local Plan's BlueCard PPO network. 2 This is a freestanding surgery center that performs outpatient ... Maintenance Notification: Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20. We apologize for any inconvenience. When filing claims to Blue Cross and Blue of Texas (BCBSTX), please reference the following claims filing tip information to minimize claim delays or denials. Coding, Billing and Bundling Information. Review information on coding and billing certain types of claims and how our bundling software affects claim processing. Learn MoreMay 15, 2023 · Blue Cross and Blue Shield of Texas, a division of Health Care Service Corporation, a Mutual Legal Reserve Company, an independent licensee of the Blue Cross and Blue Shield Association. For more than 90 years, we have forged alliances with local nonprofit organizations to show our commitment to help build healthy communities. Here, dry rub and brisket reigns supreme, but styles vary from region to region. Texas is synonymous with cowboys, cattle ranches, and its signature cuisine, barbecue. They say tha... FEP Members. The Federal Employee Health Benefit Program (FEHBP) provides health care benefits and value-added coverage for federal employees. View more information about FEHBP. If you are already a member of the Blue Cross and Blue Shield of Texas (BCBSTX) family, discover all the ways you can take advantage of the special features that come ... Once you register, you’ll enjoy all the benefits: Access your digital member ID card. View claims status and history. Review health care benefit information. Find a doctor or pharmacy near you. Update your communication preferences to make sure you get an email or text.BCBSTX will provide an expedited credentialing process which allows for a "provisional network participation" status if the provider applicant has: A valid BCBSTX Provider Record ID for claim payment. Submitted a current signed BCBSTX contract/agreement. Completes the CAQH ProView database online application with "global" or "plan specific ...If, at any time, you think you or your child is having a mental health emergency, call us at 1-888-657-6061 (TTY: 711). You may call at any time of day or night, and on any day of the week. You will be able to talk to a mental health professional. To learn more about behavioral health services, check the STAR Member Handbook.What is the best bank in Texas? You have several good options, but it can be hard to figure out which is actually the best for you. At SmartAsset we did the work and rounded up the...Blue Cross Blue Shield Association. / 41.8864516; -87.6239771. Blue Cross Blue Shield Association, also known as BCBS, BCBSA, or The Blues, is a United States -based federation with 34 independent and locally-operated BCBSA companies that provide health insurance in the United States to more than 115 million people as of 2022.This question is about Cheap Car Insurance in Texas @anamarie.waite • 08/10/22 This answer was first published on 04/21/20 and it was last updated on 08/10/22.For the most current ... If you have prescription drug coverage through Blue Cross and Blue Shield of Texas (BCBSTX), this information can help you and your doctor get the most from your prescription drug coverage. If you are a BCBSTX member, log in to Blue Access for Members SM (BAM SM) to check your drug list and learn more about your prescription drug benefits. Electric heating systems are an important climate change solution, but can strain the grid. Why did the Texas electric grid crash from a winter storm that would have been unremarka...AcademicBlue SM are student health insurance plans provided by Blue Cross and Blue Shield of Texas (BCBSTX).This plan was designed specifically for university students and provides quality health insurance from a leader in the health care industry. As a parent, why choose AcademicBlue? Preventive care, including immunizations and prescription ...Oct 13, 2023 · In-Network Options. When receiving services from a lab, specialty pharmacy, or durable medical equipment (DME) provider, it's important to make sure that the provider is in your network. A laboratory must be in-network in the state your referring provider is located. A specialty pharmacy must be in-network in the state your ordering physician ... Each quarter, BCBSTX holds a Community Advisory Committee (CAC) Meeting so that we can find out how we can serve you better. If you would like to come and share your ideas with BCBSTX staff and community partners on what you like about your plan benefits or where we can do better, please call the member advocate toll-free for details at 1-877-375-9097 (TTY 711). We would like to show you a description here but the site won’t allow us. Request Contract/Agreement/Network Participation. We welcome all providers to apply for participation in the Blue Cross and Blue Shield (BCBSTX) networks. BCBSTX contracts with physicians, and other health care professional providers to form our provider networks which are essential for delivering quality, accessible and cost-effective health ... Tips to Find a Doctor or Hospital. When you need to find a doctor or hospital, take the time to research your options. Follow the steps below to help find a provider or medical facility that meets your needs. 1. Check Your Provider Network. AcademicBlue SM are student health insurance plans provided by Blue Cross and Blue Shield of Texas (BCBSTX). This plan was designed specifically for university students and provides quality health insurance from a leader in the health care industry. Why choose AcademicBlue? Preventive care, including immunizations and prescription drug coverage. Jan 10, 2024 · Health Insurance. Call (855) 596-3655 to speak with a licensed insurance agent and compare insurance or Medicare options you may be eligible for. MyBlue Health Silver 405 from Blue Cross and Blue Shield of Texas is the cheapest Silver plan in Texas. It costs as little as $388 per month for a 40-year-old. Despite Texas having one of the youngest populations in the country, according to the Urban Institute, more than 2 million of the state's total population are seniors, measured by ...In-Network Options. When receiving services from a lab, specialty pharmacy, or durable medical equipment (DME) provider, it's important to make sure that the provider is in your network. A laboratory must be in-network in the state your referring provider is located. A specialty pharmacy must be in-network in the state your ordering physician ...All Blue Cross and Blue Shield of Texas Gold plans offer the same set of health benefits, quality and amount of care. Your Gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: When you visit your primary …Here are some plan highlights. Get a Quote & Apply. Blue Cross Medicare Advantage (HMO) SM. Blue Cross Medicare Advantage (PPO) SM. Typically have lower or $0 monthly premiums. Your care is handled by one primary care provider (PCP) who knows your health history. Your costs will be as low as possible when you see a provider in the …Find Your Level of Family Health Insurance. Gold. Gold Plans are for you if you: Have more medical needs than most, like a chronic health condition. Have a spouse and children on your plan, or want to …PPO stands for Participating Provider Option. It's a type of health plan that lets you choose where you go for care, without a referral from a primary care physician or having to only use providers in your plan's provider network. It typically has higher monthly premiums and out-of-pocket costs like copays, coinsurance and deductibles.Blue Cross and Blue Shield of Texas will guide you in the right direction. Enroll today. Call: 1-855-453-5945 * First Name Please enter a First Name ... a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationDirect sales to consumers in Texas face a long wait. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Us...All providers who participate in our networks are required to complete a credentialing process prior to acceptance. Refer to the following for additional information: Note: The requirements of creating and/or updating your CAQH profile is important. Failure to finalize your CAQH application within 45 days will cause the BCBSTX credentialing ...WalletHub selected 2023's best home insurance companies in Texas based on user reviews. Compare and find the best home insurance of 2023. WalletHub makes it easy to find the best I...Jul 11, 2023 · The answer is yes – but there are a few things you need to know before using your Blue Cross Blue Shield insurance in another state. First, check with your provider to see if they have any out-of-state coverage agreements. If they do, then your coverage should extend to that state. If not, you may still be covered by Blue Cross Blue Shield ... Blue Cross and Blue Shield of Texas has everything you need to meet your needs and grow your business: Quality health care plans and networks across group, Medicare, and individual markets. A service and technology infrastructure built to support you and your clients. Marketing materials, online quoting, enrollment tools, secure messaging ...

All Blue Cross and Blue Shield of Texas Gold plans offer the same set of health benefits, quality and amount of care. Your Gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: When you visit your primary …. Future telling

bcbs in texas

Official Site of Anthem Blue Cross Blue Shield, a trusted health insurance plan provider. Shop plans for Medicare, Medical, Dental, Vision & Employers.If you have prescription drug coverage through Blue Cross and Blue Shield of Texas (BCBSTX), this information can help you and your doctor get the most from your prescription drug coverage. If you are a BCBSTX member, log in to Blue Access for Members SM (BAM SM) to check your drug list and learn more about your prescription …All Blue Cross and Blue Shield of Texas Gold plans offer the same set of health benefits, quality and amount of care. Your Gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: When you visit your primary …BlueCross BlueShield also offers global health coverage to individuals, students, and businesses. UnitedHealthcare offers international health insurance as well; however, this insurance is geared for travelers. It is called international travelers insurance. Some BlueCross BlueShield plans include access to a nationwide …If you're not eligible for Medicaid anymore, find a 2024 Individual and Family plan. We can help you choose coverage that continues to meet your health and budget needs. If you're 64+ and no longer eligible for Medicaid, you may be able to enroll in a Medicare plan.If you're not eligible for Medicaid anymore, find a 2024 Individual and Family plan. We can help you choose coverage that continues to meet your health and budget needs. If you're 64+ and no longer eligible for Medicaid, you may be able to enroll in a Medicare plan.Find BlueCross and BlueShield Therapists, Psychologists and BlueCross and BlueShield Counseling in Tyler, Smith County, Texas, get help for BlueCross and BlueShield in Tyler, get help with BCBS in ...BlueCross BlueShield also offers global health coverage to individuals, students, and businesses. UnitedHealthcare offers international health insurance as well; however, this insurance is geared for travelers. It is called international travelers insurance. Some BlueCross BlueShield plans include access to a nationwide …16 Aug 2019 ... Blue Cross and Blue Shield of Texas. Aug 16, 2019󰞋󱟠. 󰟝. Use the BCBSTX Mobile App to Find a Doctor. It's ... 1 This facility indicated voluntarily that Radiologists, Anesthesiologists, Pathologists, Hospitalists, and Intensivists who provide services for elective (scheduled) procedures related to this Blue Distinction Specialty Care program are in the local Plan's BlueCard PPO network. 2 This is a freestanding surgery center that performs outpatient ... NeurAxis Announces Highmark BCBS Policy Coverage. Published. Mar 11, 2024 9:00am EDT. CARMEL, Ind., March 11, 2024 (GLOBE NEWSWIRE) …UnitedHealthcare offers international health insurance as well; however, this insurance is geared for travelers. It is called international travelers insurance. Some BlueCross BlueShield plans include access to a nationwide network, which is advantageous for people who travel frequently. BlueCross BlueShield offers individual and family plans ...AcademicBlue SM are student health insurance plans provided by Blue Cross and Blue Shield of Texas (BCBSTX).This plan was designed specifically for university students and provides quality health insurance from a leader in the health care industry. As a parent, why choose AcademicBlue? Preventive care, including immunizations and prescription ...The decision will affect Texas’s 5.4 million public school students. The Texas Board of Education voted last week (Sept. 14) to cut a slew of historical figures from the state’s so...All Blue Cross and Blue Shield of Texas Silver plans offer the same set of health benefits, quality and amount of care. Your Silver plan options are different in how much you’ll pay each month , how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: ….

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