Harvard Pilgrim Explorer POS — Harvard Pilgrim Explorer POS is a tiered full-network product, open to state and municipal employees in Massachusetts, Connecticut, Rhode Island, Vermont, Maine, and New Hampshire, that allows members to seek in-network medical care (from their PCP or from Harvard Pilgrim participating providers with a PCP ...Harvard Pilgrim Health Care — Fast Facts for Hospital Administration Effective 07/01/2022–06/30/2023 Harvard Pilgrim used a standard inpatient and outpatient benchmark upon which to compare the cost of all in-network facilities. The reimbursement rates for each facility’s specific inpatient and outpatient claims for 2016 dates of ser-Medicare plans include a HMO/HMO-POS Medicare Advantage plan called “Stride,” which includes dental and eye examinations and care, Medicare Supplement and ...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.default in the Harvard Pilgrim Explorer POS plan. There is no action you need to take unless you select a different plan during Annual Enrollment. • You and your covered family members will receive new member ID cards in the mail for your 2023-2024 health plan. • Like Tufts Health Plan Navigator, Harvard Pilgrim Explorer POS is a …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 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 ...The company provides Health Maintenance Organization (HMO) and Health Maintenance Organization Point-of-Service (HMO-POS) Medicare Advantage plans to more than 3 million people in...This sample card shows a Value 5-Tier prescription drug coverage plan. Select a plan below to look up drugs, get prices, find in-network pharmacies and more. * Not all employer-sponsored plans offer Harvard Pilgrim prescription drug benefits. Please contact Member Services or your Human Resources department to find out more about your coverage.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.A provider’s benefit tier may change annually on January 1. To determine a provider’s tier in a specific plan’s network, please search the Harvard Pilgrim provider directory by plan name. You also may call ( 888) 333-4742 to request a paper copy of the provider directory at no charge. 4 Applies to Best Buy HMO plans only.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.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 ... 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 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 …default in the Harvard Pilgrim Explorer POS plan. There is no action you need to take unless you select a different plan during Annual Enrollment. • You and your covered family members will receive new member ID cards in the mail for your 2023-2024 health plan. • Like Tufts Health Plan Navigator, Harvard Pilgrim Explorer POS is a …6 In-Network Out-of-Network Deductible $500 per member/$1,000 per family $500 per member/$1,000 per family Out-of-Pocket Maximum $5,000 per member/$10,000 per family (All in-network medical, prescription drug and mental health copayments and deductibles apply to the out-Jul 1, 2023 ... The names of the new Harvard Pilgrim plans are Explorer (broad- network POS plan) and Quality (limited-network HMO plan). Copays and deductibles ...This plan may include a deductible. 6 Consistently among the nation's highest-rated health plans, Harvard Pilgrim Health Care (private HMO/POS and PPO plans) ...Atrius Health accepts most health insurance plans. Click on your health plan category below for more detailed accepted insurance information:.6 In-Network Out-of-Network Deductible $500 per member/$1,000 per family $500 per member/$1,000 per family Out-of-Pocket Maximum $5,000 per member/$10,000 per family (All in-network medical, prescription drug and mental health copayments and deductibles apply to the out-For benefits effective July 1,2023 - June 30,2024. Harvard Pilgrim. Harvard Pilgrim - Access America (PPO): 164580 Harvard Pilgrim - Explorer Plan (POS): 43598 Harvard Pilgrim - Quality Plan (HMO): 020285You 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.This sample card shows a Value 5-Tier prescription drug coverage plan. Select a plan below to look up drugs, get prices, find in-network pharmacies and more. * Not all employer-sponsored plans offer Harvard Pilgrim prescription drug benefits. Please contact Member Services or your Human Resources department to find out more about your coverage.Prescription drug plans. Harvard Pilgrim works with Optum Rx to manage our pharmacy benefits. The type of drug plan you have (either Premium, Value or Core NH) will be shown on your ID card. The dollar or percentage amounts next to “Rx” on your card will tell you how many tiers your plan has. If your card does not show a specific drug plan ...Harvard Pilgrim EPO Plan Page 1 of 6 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the . plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called theEmployer Agreement Amendment Concerning Coverage of Domestic Partners and Their Children. This document amends the Employer Agreement(s) between Employer, Harvard Pilgrim Health Care, Inc. and, if applicable, its affiliates, Harvard Pilgrim Health Care of New England, Inc. or HPHC Insurance Company, Inc. (collectively “HPHC”) for the ...Harvard Pilgrim Independence Plan $193.45 $470.85 $241.82 $588.57 Health New England Regional Network $126.90 $301.11 $158.62 $376.39 AllWays Health Partners Complete HMO $154.33 $401.01 $192.91 $501.26 UniCare State Indemnity Plan/ Community Choice Limited Network $119.62 $295.41 $149.53 $369.26Harvard Pilgrim PPO Plans Massachusetts The Harvard Pilgrim PPO plans are among the most flexible options you can choose for your health care needs. q You can receive care from almost any doctor or hospital — in Massachusetts or across the nation. q You are not required to have a primary care provider or get referrals for care.Harvard Pilgrim Explorer. POS. Individual. $123.22. $194.16. $246.43. $305.11. $533.94. $1,089.23. Family. $305.30. $481.07. $610.59. $755.97. $1,322.95.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.Harvard Pilgrim Quality HMO and Explorer POS Products Tiering Structure Harvard Pilgrim took a refreshed look at the tiering methodology for the 2023-2024 plan year, as health care is a dynamic industry and the landscape has changed since the tiering methodology was initially established. WhileBenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancoversCoveragefor:Individual+Family|PlanType:POS The Summary of Benefitsand Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary.The 988 Suicide & Crisis Lifeline offers phone, text or chat support if you are having a mental health or substance abuse crisis, or emotional distress. SAMHSA’s National Helpline, at 800-662-4357 (TTY: 800-487-4889), provides referrals to local treatment facilities, support groups and community-based organizations if you are facing mental ...Harvard Pilgrim Health Care, one of the GIC’s health plan partners, was the target of a recent cybersecurity attack. Please be assured that the GIC has taken all the necessary steps within our control to ensure that member data is not compromised. ... Harvard Pilgrim Explorer POS (effective July 2023) – found at the bottom of the list ...ProviderLookup Online ... Loading...This plan may include a deductible. 6 Consistently among the nation's highest-rated health plans, Harvard Pilgrim Health Care (private HMO/POS and PPO plans) ...You must be currently enrolled in Harvard Pilgrim at time of reimbursement. Fitness facility membership or virtual fitness subscription must be for at least four months in a current calendar year. Restrictions apply, and reimbursement is not available to all members. Fitness reimbursement may be considered taxable income.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 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.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.insurance plan’s full name, such as “Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just the health carrier name ... 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 LimitedHarvard Pilgrim Health CareYou must be currently enrolled in Harvard Pilgrim at time of reimbursement. Fitness facility membership or virtual fitness subscription must be for at least four months in a current calendar year. Restrictions apply, and reimbursement is not available to all members. Fitness reimbursement may be considered taxable income.Coveragefor:Individual+Family|PlanType:POS The Summary of Benefits and Coverage (SBC) document will help you choose a healthplan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary.HOW IT WORKS: The Harvard Pilgrim POS. Plan – Massachusetts. The Harvard Pilgrim POS (point-of-service) Plan gives you flexible choices for your health care needs. q If you live within the plan’s service area*, you’ll choose a primary care provider (PCP) to deliver or arrange for your medical care.“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 ofProgram eligibility and benefits may vary by employer, plan and state. You must be currently enrolled in Harvard Pilgrim at time of reimbursement. Fitness facility membership or virtual fitness subscription must be for at least four months in a current calendar year. Restrictions apply, and reimbursement is not available to all 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. ID:MD0000005799_ X ScheduleofBenefits TheHarvardPilgrimExplorerPOSPlan MASSACHUSETTS PleaseNote:ThisPlanincludesanIn-Networktieredprovidernetwork.Inthisplan,Members ... Harvard Pilgrim’s Medicare Advantage Plan is called Stride SM (HMO). 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.HOW IT WORKS: The Harvard Pilgrim POS. Plan – Massachusetts. The Harvard Pilgrim POS (point-of-service) Plan gives you flexible choices for your health care needs. q If you live within the plan’s service area*, you’ll choose a primary care provider (PCP) to deliver or arrange for your medical care.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 …800-637-4751, then option 1. Email the Broker Employer Service Team. Small Group Implementation and Quoting. For small group installs, quoting and renewal. Mon. – Fri. 8:30 a.m. - 5 p.m. 800-637-4751, then option 2. New Business Sales Inquiries. For large groups (50+) Contact your Sales Executive or call 800-637-4751, then option 3.Explorer Premier. Explorer Premier. Explorer ... POS with MagnaCare/First Health (NY). PPO with MagnaCare/First ... Harvard Pilgrim. Hide Plans Show Plans. Access ...In 2024, Harvard Pilgrim Stride SM (HMO)/(HMO-POS) Medicare Advantage plans are available in 10 of 12 counties in New Hampshire. Depending on the county in which they reside, Medicare beneficiaries can choose from the following Harvard Pilgrim plan options in New Hampshire (Note that Value Rx Plus is the only plan we offer in Strafford County):Harvard Pilgrim Explorer POS. Harvard Pilgrim Quality HMO. Health New England. UniCare Community Choice. Mass General Brigham Health Plan. Active Employee / Non ...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. A provider’s benefit tier may change annually on January 1. To determine a provider’s tier in a specific plan’s network, please search the Harvard Pilgrim provider directory by plan name. You also may call ( 888) 333-4742 to request a paper copy of the provider directory at no charge. 4 Applies to Best Buy HMO plans only. Harvard Pilgrim Explorer POS 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 ...Claims (request for reimbursement) forms. Get reimbursed for covered medical, hospital and behavioral health services. Get reimbursed for covered prescription drugs. Get reimbursed for covered fitness expenses. Get reimbursed for covered wellness expenses. Get reimbursed for travel expenses related to covered services restricted by state law.Explorer POS. Access America. Medicare Enhance. Important information about receiving care in Connecticut in 2024. Learn more. Prescription Drug Info. You are automatically enrolled in a prescription drug plan when you enroll in one of our GIC plans. Quality, Explorer and Access America – CVS Caremark. Medicare Enhance – CVS Silverscript.Coveragefor:Individual+Family|PlanType:POS The Summary of Benefitsand Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and …Explorer POS. Access America. Medicare Enhance. Important information about receiving care in Connecticut in 2024. Learn more. Prescription Drug Info. You are automatically enrolled in a prescription drug plan when you enroll in one of our GIC plans. Quality, Explorer and Access America – CVS Caremark. Medicare Enhance – CVS Silverscript.Harvard University is renowned for its academic excellence and prestigious reputation. As one of the world’s leading educational institutions, Harvard offers a wide range of course...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 Explorer POS — Harvard Pilgrim Explorer POS is a tiered full-network product, open to state and municipal employees in Massachusetts, Connecticut, Rhode Island, Vermont, Maine, and New Hampshire, that allows members to seek in-network medical care (from their PCP or from Harvard Pilgrim participating providers with a PCP ...Harvard Pilgrim Access America (PPO) $157.75 $315.50 $350.90 $701.81 Harvard Pilgrim Explorer (POS) $133.88 $267.76 $330.54 $661.09 Harvard Pilgrim Quality (HMO) $99.00 $198.01 250.77 501.54 Health New England (HMO) $97.78 $195.57 $233.47 $466.94 Mass General Brigham Health Plan Complete (HMO) $122.64 245.28 323.00 646.01 “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 of 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.network: provider: $2,000.00 Individual / $4,000.00 Family per calendar year For out-of-network providers: Not Covered The out-of-pocket limit is the most you could pay in a year for covered 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. 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 ...Contact us — we’re here to help. Let us help you choose the best plan for you. Individual & family plans: 888-333-4742 (TTY: 711) Medicare plans: 866-843-3186 (TTY: 711) Harvard Pilgrim offers a wide variety of very competitive plans to help individuals and families meet different needs and budgets.POS) and StrideSM Value Rx Plus (HMO) for January 1, 2022 - December 31, 2022. Harvard Pilgrim is an HMO/HMO-POS plan with a Medicare contract. Enrollment in StrideSM (HMO) depends on contract renewal. The benefit information provided is a summary of what we cover and what you pay. It does not list every service that we cover …Point of Sale (POS) register software has revolutionized the way businesses handle transactions and manage their operations. One of the key features of modern POS register software...One in particular (Mass, Eye, & Ear) just stopped accepting it. 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 plan is on the same level.2024-2025 Member Guides. Quality HMO. Explorer POS. Access America. Medicare Enhance. Which Plan is Right for You. Questions? Email Lynn Giannino. [email protected] 7, 2023 ... Harvard Pilgrim Explorer. POS (82/18). $976.42. $2,412.86. $800.66. $175.76. $1,978.55. $434.31. $9,607.92. $2,109.12 $23,742.60 $5,211.72 ...The Harvard Pilgrim POS Maine Form # 106 2 Copayment amounts and any charges in excess of the Usual, Customary and Reasonable Charge do not apply to the Out-of-Network Out-of-Pocket Maximum. Your Plan has a Penalty Payment of $500 that applies to Out-of-Network Covered Services when you do not obtain required Prior Approvals.POS Plan network Out-of-network coverage is usually more expensive than in-network coverage. Non-participating providers may bill you for the differences between their charges and the amount the plan pays for covered services. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of New England and HPHC 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. One in particular (Mass, Eye, & Ear) just stopped accepting it. 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 plan is on the same level. 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 ... Explorer Premier. Explorer Premier. Explorer ... POS with MagnaCare/First Health (NY). PPO with MagnaCare/First ... Harvard Pilgrim. Hide Plans Show Plans. Access ...more than Harvard Pilgrim’s allowed amount for the care you received. In that case, you would be responsible for paying the difference between the provider’s charges and Harvard Pilgrim’s allowed amount; this is sometimes called “balance billing.” The balance you pay would not count toward your out-of-pocket maximum.
insurance plan’s full name, such as “Harvard Pilgrim Explorer” or “Harvard Pilgrim Quality,” not just the health carrier name ... 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. Can a background check show pending charges
Explorer POS — How this plan works: • Full network — any provider in Harvard Pilgrim is part of the Harvard Pilgrim Explorer POS plan • Network is tiered into Tiers 1, 2 and 3 • Highest level of coverage with in-network services with PCP, a specialist with PCP referral or via our national networkProviderLookup Online ... Loading...3 of 8 Harvard University Medical Plan: Harvard Pilgrim Health Care (HPHC) POS Coverage Period: 01/01/2016-12/31/2016 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. If you aren’t …Code Exxxx: MSRP = $150.00. Harvard Pilgrim rental period (as indicated on the Harvard Pilgrim fee schedule) = 15 months. $150.00/15 = $10.00 per month RR 1 unit. When billing for DME monthly rentals (Terms as outlined on …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.A provider’s benefit tier may change annually on January 1. To determine a provider’s tier in a specific plan’s network, please search the Harvard Pilgrim provider directory by plan name. You also may call ( 888) 333-4742 to request a paper copy of the provider directory at no charge. 4 Applies to Best Buy HMO plans only. ID:MD0000005799_ X ScheduleofBenefits TheHarvardPilgrimExplorerPOSPlan MASSACHUSETTS PleaseNote:ThisPlanincludesanIn-Networktieredprovidernetwork.Inthisplan,Members ... According to NEHI, the New England Health Institute, 56% of all ER visits are avoidable. Harvard Pilgrim offers members a variety of options to get non-emergency care in a different setting than the ER*, no matter where they live or work. Options include convenience care clinics, telemedicine or virtual visits through Doctor On Demand and ...POS) and StrideSM Value Rx Plus (HMO) for January 1, 2022 - December 31, 2022. Harvard Pilgrim is an HMO/HMO-POS plan with a Medicare contract. Enrollment in …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. BenefitHandbook,lookupbenefits,Copayments,claimshistory,andDeductiblestatus, andviewPriorApprovalandreferralactivities.YoucanalsolearnhowyourPlancovers 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...Aug 9, 2020 · 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 .
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