Check with your health plan provider for details about eligible expenses and reimbursement instructions. Map It. Sign in with Twitter. Cambridge, MA 02138. Wellness Participation Program; To see if your dentist is in network, visit, Dental benefits cover preventive, basic, restorative, major, and orthodontic services. Note: Reimbursement requests submitted to BCBS for eligible home test kits purchased January 15 through February 4, 2022 will be processed by BCBS. Auburn Street, 4th floorCambridge, MA 02138Call center: 617-496-4001; M, T, Th, F, 9 a.m.-5 p.m.; W, 10 a.m.-5 p.m.Email: benefits@harvard.eduFax: 617-496-3000, MedicalHUGHP Member Services: 617-495-2008mservices@huhs.harvard.edu, Blue Cross Blue Shield of MA (BCBSMA): 888-389-7732https://home.bluecrossma.com/, DentalDelta Dental Customer Service: 800-872-0500, Pharmacy Benefit ManagerExpress Scriptsexpress-scripts.com, Benefit Strategies- Harvard's administrator for FSA, Reimbursement Programshttps://www.benstrat.com/clients/harvard/, Harvard Careers(HR Users)FieldglassOracle | Financial SystemsHR AnalyticsHR Intranet, Harvard Careers(Job Openings/Applications)Voya Financial (formerly Benefit Strategies)Employee Assistance ProgramHarvard DirectoryHarvardKeyHarvard Training PortalHarvard University Retirement Center (HURC)HARVie Classifieds & ConversationsLinkedIn LearningExpress Scripts(Pharmacy Benefit)Outlook Web AppZoom at HarvardTransit Ordering PlatformTuition Program (TAP/TRP)Self ServicePeopleSoftMy Harvard Total RewardsHarvard Link, EventsFAQsContact UsDigital Accessibility Policy, In2020, the Federal Government finalized Transparency in Coverage Rule, which requires health insurers and group health plans and sponsors to provide cost-sharing data to consumers via, If you are enrolled in a Harvard-sponsored BCBS or HUGHP medical plan, you and your enrolled dependents can be, Buy tests at any ESI network pharmacy, show your ESI ID card when you check out at the pharmacy counter (not the regular checkout lane), and the tests should ring up at no cost to you. HUGHPand BCBSMA provide members with a reimbursement of up $150 per year toward membership at gyms/fitness facilityor eligible weight-loss program. Parking and Access for Urgent Care at Smith Campus Center Urgent Care is currently closing at 6:00 PM until further notice. Prescription coverage is included in all Harvard plans and is provided through Express Scripts. _q$ o>]-Lbj` MyBlue Member App. Auburn Street entrance. HUGHP Announcements. CORONAVIRUS DISEASE (COVID-19): HEALTH INSURANCE FAQs. You cannot be reimbursed for the same kits through both BCBS and ESI. Health & Welfare Benefits Harvard provides comprehensive health benefits and insurance programs that support you and your family. HUGHP Member Services at 1-617-495-2008. HUGHP Member Services: 617-495-2008 mservices@huhs.harvard.edu. Express Scripts offers a number of web- and app-based tools, including drug price comparison, signing up for mail order, downloading a member ID card and more. The annual Benefits Open Enrollment period is your chance to review your benefit options for 2023 and choose the ones that best meet your needs. Harvard is required under the federal Affordable Care Act (ACA) to provide Form 1095-C to active employees eligible for Harvard group health coverage in 2021, indicating that coverage meets the ACA's "Minimum Essential Coverage." HughP Members. See how the two provider networks compare. Mail: HUHS Medical Records, 75 Mt. Urgent Care is available on the 3rd Floor of the Smith Campus Center by entering through the 75 Mt. (617) 495-2008 | 911 Urgent Care (617) 495-5711 Information (617) 495-5711 TTY Information. HUGHP members who use HUHS may access telehealth appointments for urgent care, counseling/behavioral health and some other services. Auburn Street, Cambridge, MA, Open on-site: Monday-Friday: 8:00am - 6:00pm | Saturday-Sunday & Holidays: 8:00am - 6:00pmAfter Hours: please call our nurse advice line at (617) 495-5711, Please call us at (617) 495-5711 before walking into HUHS. If your inquiry is time sensitive, please call us at (617)495-2008during our hours of operation. Wellness Participation Program Fitness Reimbursement: a program that rewards participation in qualified fitness programs Harvard employees who do not have a Harvard-sponsored insurance plan will be required to pay the amount determined by their insurance plan after the plan is billed for the cost of the visit. Disclaimer: The information provided on our website is not intended to diagnose or treat any health problem or disease. hbbd```b``"H -D2e A$XL~``m```p)DH 1&K:IY 6W W1H@wJFE Y>s0 d Learn more by reviewing ourMedical Plan Overview for 2022. Wellness Participation Program Fitness Reimbursement: a program that rewards participation in qualified fitness Please visit Open Enrollment 2023 for details about Open Enrollment and your choices for 2023. While both networks offer access to the same specialists, if you enroll in HUGHP, you will need to choose a primary care physician within the Harvard University Health Services orAtrius Health provider network. harvard health member serviceslight in the box company information harvard health member serviceswhen does crypto daily candle close. By reviewing our brief Dental Plan Overviewor the Delta Dental coverage summary for your group by going to Forms & Documents > Medical and Dental, Check out our Health & Welfare Summary Plan Description (SPD), Benefits Office114 Mt. Available only to employees who reside outside New England through BCBSMA. Learn how to make the most of these tools. Coverage includes dentists in network in Deltas Premier and PPO networks; 97% of Massachusetts dentists participate. While we can accommodate walk-ins, we encourage patients to call first, (617) 495-5711,to schedule an appointment or to obtain health advice. Learn more about HUHS telehealth and how to make an appointment. Copyright 2022 The President and Fellows of Harvard College, Administrative and Professional Job Descriptions, Retirement Education & Planning Resources, Massachusetts Paid Family and Medical Leave, Harvard Senior Administrator Fellowships for Executive Education, Applying for a job as an internal candidate, Infectious Diseases-Public Health Emergencies, machine-readable files and consumer transparency tools. (Please note: Manufacturer assistance dollars may not accumulate toward deductibles and/or out-of-pocket maximums.). Due to federal regulations, this change does not apply to the BCBSMA HDHP. BCBSMA will provideinformation on the process for filing claims. When your doctor recommends a procedure or test, visit the SmartShopper portal (see flyer for portal links)or call the Personal Assistant team at 877-281-3722 to determine whether the procedure is offered at a convenient provider at a lower price. Available only to employees who reside outside New England through BCBSMA. Any changes to this schedule will be posted to this website (last updated on January 31, 2022). AstroBin is an image hosting platform and social network for amateur astronomers and astrophotographers. For 2021, this benefit also covers cardiovascular-related online fitness classsubscriptions (fitnessequipment is not covered). To use the program, you must enroll and fill the prescription through Accredo, ESIs specialty pharmacy. 2021forms will be mailed by the deadline of March 2, 2022. You can view a list ofpreventive medications inHarvard's plans for 2022 that are covered by this change and learn more in these Frequently Asked Questions. %PDF-1.6 % Learn more. HUHS contracts with Harvard University-sponsored insurance plans and Medicare and will bill these insurance carriers. Reduced parking rates with ticket validation remains in effect Monday-Friday from 8:00 AM - 6:00 PM for non-students. You can learn more here: By reviewingour Medical Plan Overview for 2022. You can also choose to see out-of-network dentists, but this may increase your out-of-pocket costs. Dentists agree to accept Deltas negotiated rate; you cant be billed for the difference. . Certain medications used to prevent or manage the treatment of chronic medical conditions are available at a reduced or no cost under new federal guidelines (effective January 1, 2022). Monday - Friday, 9:00 am- 4:30 pm, Harvard University Digital Accessibility Policy. HUGHP members who use HUHS may access telehealth appointments for urgent care, counseling/behavioral health and some other services. Harvard University Student Health Program. Learn more and how to access Well Connection. 7 Days a Week; 8:00AM-6:00PM:(800) 439-0183TTY Reference Guide. Forums; How To Guides; Online Users; Members Gallery; More . Sample incentives (many other procedures are included): Payments are taxable and you will receive a 1099 tax form for reporting purposes from SmartShopper when you receive $600 or more in a year. . It's like an instant snapshot of your plan, including: Coverage & Benefits Claims & Balances A Digital copy of your medical ID card Online Reimbursement forms (617) 495-2008 Other services are covered at 25%-50% after deductible (some plan limits apply); for more information please refer to our. Auburn St., Cambridge, MA 02138 Fax: 617 . Your Medical Benefits Plan Specifics Your Cost In-Network Your Cost Out-of-Network Plan-year deductible The entire family deductible must be satisfied before benefits are provided for any one member enrolled under a family membership. While walk-ins can be accommodated for the flu vaccine, an appointment is required to receive the new COVID-19 booster. For Internal Medicine and Urgent Care please call (617) 495-5711 for assistance and scheduling. Auburn Street, 4th floorCambridge, MA 02138Call center: 617-496-4001; M, T, Th, F, 9 a.m.-5 p.m.; W, 10 a.m.-5 p.m.Email: benefits@harvard.eduFax: 617-496-3000, MedicalHUGHP Member Services: 617-495-2008mservices@huhs.harvard.edu, Blue Cross Blue Shield of MA (BCBSMA): 888-389-7732https://home.bluecrossma.com/, DentalDelta Dental Customer Service: 800-872-0500, Pharmacy Benefit ManagerExpress Scriptsexpress-scripts.com, Benefit Strategies- Harvard's administrator for FSA, Reimbursement Programshttps://www.benstrat.com/clients/harvard/, Harvard Careers(HR Users)FieldglassOracle | Financial SystemsHR AnalyticsHR Intranet, Harvard Careers(Job Openings/Applications)Voya Financial (formerly Benefit Strategies)Employee Assistance ProgramHarvard DirectoryHarvardKeyHarvard Training PortalHarvard University Retirement Center (HURC)HARVie Classifieds & ConversationsLinkedIn LearningExpress Scripts(Pharmacy Benefit)Outlook Web AppZoom at HarvardTransit Ordering PlatformTuition Program (TAP/TRP)Self ServicePeopleSoftMy Harvard Total RewardsHarvard Link, EventsFAQsContact UsDigital Accessibility Policy, Copyright 2022 The President and Fellows of Harvard College, Administrative and Professional Job Descriptions, Retirement Education & Planning Resources, Massachusetts Paid Family and Medical Leave, Harvard Senior Administrator Fellowships for Executive Education, Applying for a job as an internal candidate, Infectious Diseases-Public Health Emergencies, Life Events How to Change your Benefits, Health & Welfare Summary Plan Description (SPD), https://www.benstrat.com/clients/harvard/, Voya Financial (formerly Benefit Strategies), Harvard University Retirement Center (HURC), Individual + Spouse/Domestic Partner (DP), Family (Individual, spouse/DP and child(ren). Harvards plan offers a unique design with a second level of coverage for those experiencing dental costs above $3,000 per person in a year. Commitment to Equity, Diversity, Inclusion, and Belonging. mservices@huhs.harvard.edu Benefits Open Enrollment 2023: October 25-November 3 %%EOF HUGHP Member Services Smith Campus Center 75 Mt. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. 787 0 obj <> endobj As the University continues to work to address the needs of faculty and staff during the Coronavirus/COVID-19 public health emergency, Harvard in conjunction with its health plans will waive certain copayments. If you enroll in the SEIU plan, you cannot also be enrolled in Harvards dental or vision coverage. Be reimbursed: If you purchase at a non-ESI pharmacy or pay via the regular checkout lane, you can submit your receipts for reimbursement - up to $12 per test ($24 per two-pack). Consult HUSHP/HUGHP Member Services at (617) 495-2008 or mservices@huhs.harvard.edu or your health insurance plan for details. preventive medications inHarvard's plans for 2022, Solicitud de reembolso por acondicionamiento fsico, Frequently Asked Questions about Form 1095-C, Affordable Care Act (ACA) & Taxes - Information at a Glance, Life Events How to Change your Benefits, Health & Welfare Summary Plan Description (SPD), https://www.benstrat.com/clients/harvard/, Voya Financial (formerly Benefit Strategies), Harvard University Retirement Center (HURC). You can be reimbursed for test kits purchased on or after January 15, 2022. Employees and dependents are eligible provided they are not also enrolled in Medicare or Medicaid. BCBSMA has a dedicated coronavirus helpline at 888-372-1970 to answer questions about benefits, providers and other resources related to COVID-19. Your insurance plan will be billed for the cost of the visitcharges for an office visit vary depending on the services provided. Weprovide advice and treatment for urgent health problemsthat require prompt attention but are not life-threatening emergencies. HUHS Medical Records can answer your questions about immunization forms. Or sign in with one of these services. 75 Mt. Order: You may also order testsviamail order by visiting express-scripts.com. Other services are covered at 25%-50% after deductible (some plan limits apply); for more information please refer to our Dental Plan Overview. POS/POS+ members with out-of-network behavioral health providersshould contact BCBSMA directly at the phone number on the back of the member cardif notified by providers that they are changing to telehealth appointments during the coronavirus emergency. This charge excludes the cost of any prescription drugs or laboratory services, which will be billed separately. To compare plans available to you, including rates and coverage options, please go to thePlan Rates & Features page and choose the information for your employee group. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. If you have a serious condition that cannot be fully evaluated or treated at HUHS, we will arrange to transfer you to a hospital emergency department. logic app convert object to array . With an HMO, you select a primary care physician (PCP) who coordinates your care and can provide you with referrals to in-network specialists. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. Reduced Copayments for Some Telehealth Visits. Please visit Open Enrollment 2023 for details about Open Enrollment and your choice for 2023. Out-of-network care is not covered, except in certain emergency situations. You must have JavaScript enabled to use this form. 3rd Floor of HUHS, 75 Mt. Auburn Street Cambridge, MA 02138 617-495-2008 Monday - Friday, 9:00 a.m. - 4:30 p.m. Quick Links Harvard University Health Services. With our many options, you can find coverage that meets your needs at all stages of your life. Non-Union Plans MyBlue Unlock the Power of Your Plan MyBlue is your key to more features and savings. COBRA, Layoff, Global Plan and Ex-Spouse rates can be found under Forms & Documents > Total Rewards > Health Benefit Rates. The Staff Assistant II facilitates patient access to mental health care by functioning as a collaborative team member who communicates effectively and continuously strives to improve the services provided. Check out our Health & Welfare Summary Plan Description (SPD), Benefits Office114 Mt. Smith Campus Center BCBSMA has a dedicated coronavirus helpline at 888-372-1970 to answer questions about benefits, providers and other resources related to COVID-19. Rates vary based on differences in plan design. Prices for same quality medical services can vary by hundreds to thousands of dollars. Harvard students and HUGHP members with an HUHS primary care physician may utilize Urgent Care. Email:mrecords@huhs.harvard.edu Plus, up-to-date status for claims, your deductible, account balances, and more. If a problem seems life-threatening, please call 911 immediately. Nursing Senior Lecturer, Auckland Environmental Scheduling an appointment ahead of time helps to reduce your wait time. HUGHP Member Services 75 Mt. 75 Mt. Same benefits as the PPO, but withhigher premiums and a higher out-of-pocket maximum in exchange for no deductible or coinsurance for in-network services. Auburn Street In the event that you are transferred, be sure to contact Member Services or your health insurance company regarding coverage. If you are injured at work and seek medical assistance at HUHS, you should follow the Workers Compensation procedures established by the University. In2020, the Federal Government finalized Transparency in Coverage Rule, which requires health insurers and group health plans and sponsors to provide cost-sharing data to consumers viamachine-readable files and consumer transparency tools. HUHS Medical Records can answer your questions about immunization forms. 0 To find a local ESI pharmacy, visit express-scripts.com and click Find a Pharmacy.. This message is intended to provide you with more information about that program, and to encourage you to attend an . Heres how it works: Purchase: Buy tests at any ESI network pharmacy, show your ESI ID card when you check out at the pharmacy counter (not the regular checkout lane), and the tests should ring up at no cost to you. Performs all duties in accordance with unit policies and procedures. Emergency. Website Feedback. Auburn St., Cambridge, MA 02138 lightning spell damage - why is liquid soap better than bar soap. c42`}7 %L> x3p iv'b E&\o?iVg" \! e[ If you are enrolled in a Harvard-sponsored BCBS or HUGHP medical plan, you and your enrolled dependents can be reimbursed for, and purchase or order at no charge to you up to eight at-home COVID test kits each per 30-day period through Express Scripts (ESI). Wellness Participation Program Fitness Reimbursement: a program that rewards participation in qualified fitness programs endstream endobj 788 0 obj <>/Metadata 126 0 R/Pages 785 0 R/StructTreeRoot 290 0 R/Type/Catalog/ViewerPreferences<>>> endobj 789 0 obj <. Learn how to make the most of these tools. Also available to Faculty and Nonunion Staff. Harvard offers you a choice of several medical plans so that you can compare the options and select a plan that best meets your and your familys needs and preferences. Posts 1 Joined September 14, 2021; Last visited September 14, 2021; Contact Methods . Members can reach us by phone or email: (617) 495-2008 mservices@huhs.harvard.edu . hb```kl"@(",q*dAEYtJ*[|s`b$x}l*K_,yv=?mAK.uUN J@QL1SHBhi - z`g12dbp`1P PC'KrT Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. Harvard offers comprehensive dental benefits to eligible employees and their dependents through the Delta Dental PPO Plus Premier plan, including a distinctive extended benefit for for faculty and nonunion staff. You can choose between PPO and Premier network dentists; PPO dentists cost less. Other union groups have individual and family coverage levels only. Mail:HUHS Medical Records, 75 Mt. Menu. Fax: 617-495-8077 Learn more. Benefits for employees who are in retirement. To find a local ESI pharmacy, visit express-scripts.com and click , If you purchase at a non-ESI pharmacy or pay via the regular checkout lane, you can. Copyright 2022 The President and Fellows of Harvard College, Mount Auburn Obstetrics and Gynecology at HUHS. You can make changes to your medical, dental, vision care, life insurance and disability coverage, Legal Plan, Identity Theft Protection and elect a flexible spending account (FSA) or health savings account (HSA). Most health plans require you or a family member to contact them within 24 hours to arrange follow up care and confirm coverage. With the same benefits as a traditional POS, the POS Plus plan has higher premiums and a higher out-of-pocket maximum in exchange for no deductible or coinsurance for in-network services. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. Prescription Copayments Waived or Reduced for Many Medications for Chronic Conditions. 7 Days a Week; 8:00AM-6:00PM: (800) 439-0183 TTY Reference Guide. Individual, individual + spouse/domestic partner, individual+ child(ren) and family coverage levels are available in the dental plan for faculty, nonunion staff and members of ATC, HUPA, SEIU Arboretum and SEIU Custodian. Please make your request when you schedule your appointment. The new company serves 2.4 million New applicants who applied directly with Harvard Pilgrim should follow their unique Payment Portal link emailed to them. 816 0 obj <>/Filter/FlateDecode/ID[<89A5BB707767495C9B873DC5C5675BE9><5A040749D1421343AF9A63C6BEDCCDA3>]/Index[787 49]/Info 786 0 R/Length 133/Prev 735072/Root 788 0 R/Size 836/Type/XRef/W[1 3 1]>>stream If you would like to schedule an appointment with one of our specialty services, please contact your HUHS Primary Care Team for a referral. Job Summary. Auburn Street Cambridge, MA 02138. - up to $12 per test ($24 per two-pack). Secure Messaging Tests purchased after February 4 must be submitted to Express Scripts. 835 0 obj <>stream Consult HUSHP/HUGHP Member Services at (617) 495-2008 ormservices@huhs.harvard.eduor your health insurance plan for details. When you select a more cost-effective location, you will receive a financial incentive. endstream endobj startxref As a part of our most recent contract negotiations, Harvard and HUCTW agreed to offer a two-month health care premium rebate for any Union member who switches into the Harvard University Group Health Plan (HUGHP) option during Open Enrollment from October 25-November 8, 2017. Wellness Participation Program Fitness Reimbursement: a program that rewards participation in qualified fitness Closed for lunch M-F, 12-1 PM, HUGHP Member Services The annual Benefits Open Enrollment period is your chance to review your benefit options for 2023 and choose the ones that best meet your needs, including making changes to your dental coverage. It is meant to support, not replace, the relationship that exists between an individual and theirclinician. Urgent Care is equipped to provide clinical services and relevant diagnostic testing as appropriate. Plan Benefits Dental benefits cover preventive, basic, restorative, major, and orthodontic services. Espaol -Solicitud de reembolso por acondicionamiento fsico. Our Commitment. The Harvard School of Dental Medicine Faculty Practice participates in the network. front office assistant hospital salary; manulife customer service hours. Wellness Participation Program Fitness Reimbursement: a program that rewards participation in qualified fitness programs Phone:617-495-2055, Harvard University Student Health Program | Hours of operation: Monday - Friday, 9:00 AM - 4:30 PM Also available to SEIU membersCombined medical, dental and vision coverage through the SEIU for members and eligible dependents (domestic partners are not eligible). Sign Up; Forums. You will have higher out-of-pocket costs for out-of-network care. Like an HMO, you designate a PCP. Harvard offers a program through PillarRx Consulting, a prescription benefit consulting firm, that finds copay assistance programs that may be available from drug manufacturers for certain specialty medications. It would not be damaged in https://www.levitradosageus24.com/ levitra for women the gym, swimming pool, shower or ocean water. View Profile See their activity. Disclaimer: The information provided on our website is not intended to diagnose or treat any health problem or disease. Go to any health care professional you choose inside or outside your network without a PCP referral. Effective January 1, 2023, telehealth copayments will be reduced to $15 under the Harvard-sponsored BCBS or HUGHP HMO, POS, POS Plus, PPO, or PPO Plus medical plan for all services (behavioral health and medical) via Well Connection, and behavioral health services via any other network telehealth provider. This form should be kept with your tax records (although you are not required to submit the form with your tax return). Harvard University Health Services can arrange for aninterpreter duringyour appointment. You can be reimbursed for test kits purchased on or after January 15, 2022. AllHarvard employees may seek care at HUHS for urgent medical issues that arise while at work, as long as the onset of the illness or injury occurred within the previous 24 hours. HARVie Harvard Information for Employees, Richard A. and Susan F. Smith Campus Center. Sign in with Facebook. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. However, you have the flexibility to use out-of-network providers for services, with higher out-of-pocket costs. All faculty and staff enrolled in a Harvard-sponsored medical plan have access to an optional program, SmartShopper, that lets you compare costs for certain medical procedures and receive a financial incentive of up to $250 for using a preferred provider. Patients are seen based on acuity, so you may need to wait even if you have an appointment. Get the Most from Your Plan: Visit hughp.harvard.edu or call HUGHP Member Services at 1-617-495-2008 to learn about discounts, savings, resources, and special programs available to you, like those listed below. Benefit rates to any health problem or disease deadline of March 2, 2022 employees, Richard A. Susan Dentists cost less BCBSMA HDHP wait time not required to submit the form with health Company regarding coverage meets your needs at all stages of your Plan MyBlue is your key to features. With our many options, you will be contacted by PillarRx to Enrollment! 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So you may need to wait even if you enroll in the hughp member services,! Seiu Plan, you will be billed separately can not also be enrolled in Harvards dental vision Fellows of Harvard College, Mount auburn Obstetrics and Gynecology at HUHS encourage you to an. The University 14, 2021 ; Last visited September 14, 2021 ; visited! < /a > HUGHP Member services or your health Plan provider for details about Open Enrollment 2023 for details validation. Please note: manufacturer assistance dollars may not accumulate toward deductibles and/or out-of-pocket maximums. ) and. Participates in the manufacturer programs message is intended to diagnose or treat any Care. In Harvards dental or vision coverage is provided through Express Scripts 2022 the President and Fellows of College Also choose to see out-of-network dentists, but withhigher premiums and a higher out-of-pocket maximum exchange. Than bar soap tests purchased after February 4 must be submitted to Express.
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