2013년 11월 28일 목요일

오후 8:28

By Catherine Boyington

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About 'aetna insurance'|Antique Advertising Mirror - Aetna Insurance







About 'aetna insurance'|Antique Advertising Mirror - Aetna Insurance








Ｉｎｓｕｒａｎｃｅ.

Ｉｔ'ｓ               ａ               ｐａｒｔ               ｏｆ               ｍｏｄｅｒｎ-ｄａｙ               ｗｏｒｋｉｎｇ               ｌｉｆｅ               ｆｏｒ               ｍｏｓｔ               ｏｆ               ｕｓ,               ａｎｄ               Ｉ               ｋｎｏｗ               ｗｅ               ｓｈｏｕｌｄ               ａｌｌ               ｆｅｅｌ               ｆｏｒｔｕｎａｔｅ               ｉｆ               ｗｅ               ｈａｖｅ               ｉｔ.

Ｂｕｔ               ｔｈａｔ               ｄｏｅｓｎ'ｔ               ｍｅａｎ               ｉｔ               ｉｓｎ'ｔ               ｆｒｕｓｔｒａｔｉｎｇ               ｓｏｍｅｔｉｍｅｓ.

Ｔｈｅ               ｄｅｔａｉｌｓ               ｏｆ               ｙｏｕｒ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｂｅｎｅｆｉｔｓ               ｍｉｇｈｔ               ｂｅ               ｂｕｒｉｅｄ               ｓｏｍｅｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｐａｃｋｅｔ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｈａｓ               ｇｉｖｅｎ               ｙｏｕ.

Ｈｏｗｅｖｅｒ,               ｈｏｗ               ｉｔ               ｗｏｒｋｓ               ｗｈｅｎ               ｙｏｕ               ａｒｅ               ａｔ               ｔｈｅ               ｐｈａｒｍａｃｙ               ｃａｎ               ｂｅ               ｍｙｓｔｅｒｉｏｕｓ.

Ｅｖｅｎ               ａｓ               ａ               ｐｈａｒｍａｃｉｓｔ               ｗｈｏ               ｂｉｌｌｓ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｃｌａｉｍｓ               ａｌｌ               ｄａｙ               ｌｏｎｇ,               Ｉ               ｓｔｉｌｌ               ｄｏｎ'ｔ               ａｌｗａｙｓ               ｕｎｄｅｒｓｔａｎｄ               ａｌｌ               ｔｈｅ               ｄｅｔａｉｌｓ,               ｂｕｔ               Ｉ'ｌｌ               ｔｒｙ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｂａｓｉｃｓ               ｆｏｒ               ｙｏｕ.

Ｏｎｌｉｎｅ               Ｂｉｌｌｉｎｇ               ｕｓｉｎｇ               ＢＩＮｓ
               Ａｌｍｏｓｔ               ａｌｌ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎｓ,               ｉｎｃｌｕｄｉｎｇ               ｓｔａｔｅ               Ｍｅｄｉｃａｉｄ               ｐｌａｎｓ,               ａｒｅ               ｂｉｌｌｅｄ               ｏｎｌｉｎｅ.

Ａｔ               ｔｈｅ               ｐｈａｒｍａｃｙ               ｗｅ               ｅｎｔｅｒ               ｔｈｅ               ｎｕｍｂｅｒｓ               ｏｎ               ｙｏｕｒ               ｃａｒｄ               ｉｎｔｏ               ｔｈｅ               ｃｏｍｐｕｔｅｒ,               ａｎｄ               ｔｈｅ               ｃｏｍｐｕｔｅｒ               ｄｏｅｓ               ｔｈｅ               ｒｅｓｔ.

Ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｙｏｕｒ               ｃａｒｄ               ｉｓ               ａｂｓｏｌｕｔｅｌｙ               ｎｅｃｅｓｓａｒｙ.

Ｓｏｍｅｔｉｍｅｓ               Ｉ               ｌｏｏｋ               ｂａｃｋ               ｏｎ               ｔｈｅ               ｇｏｏｄ               ｏｌｄ               ｄａｙｓ               ｗｈｅｎ               ｗｅ               ｏｎｌｙ               ｄｅａｌｔ               ｗｉｔｈ               ａ               ｈａｎｄｆｕｌ               ｏｆ               ｐｌａｎｓ,               ａｎｄ               ｔｈｅｙ               ａｌｌ               ｕｓｅｄ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               Ｎｕｍｂｅｒｓ               ａｓ               ＩＤ               ｎｕｍｂｅｒｓ.

Ｎｏｗ               ｗｅ               ｄｅａｌ               ｗｉｔｈ               ｓｏ               ｍａｎｙ               ｄｉｆｆｅｒｅｎｔ               ｐｌａｎｓ               ｅｖｅｒｙ               ｄａｙ,               Ｉ               ｄｏｎ'ｔ               ｔｈｉｎｋ               Ｉ               ｃｏｕｌｄ               ｌｉｓｔ               ｔｈｅｍ               ａｌｌ,               ａｎｄ               ｆｅｗ               ｕｓｅ               ＳＳＮｓ               ａｎｙｍｏｒｅ.
               Ｔｈｅ               ｍａｇｉｃ               ｎｕｍｂｅｒ               ｏｎ               ｙｏｕｒ               ｃａｒｄ               ｉｓ               ｔｈｅ               ＢＩＮ.

ＢＩＮ               ｓｔａｎｄｓ               ｆｏｒ               Ｂａｎｋ               Ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               Ｎｕｍｂｅｒ;               ａ               ｃｏｎｆｕｓｉｎｇ               ｔｅｒｍ               ｂｅｃａｕｓｅ               ｔｈｅｒｅ               ａｒｅ               ｎｏ               ｂａｎｋｓ               ｉｎｖｏｌｖｅｄ               ａｔ               ｔｈｉｓ               ｐｏｉｎｔ               ｉｎ               ｔｈｅ               ｂｉｌｌｉｎｇ.

Ａｐｐａｒｅｎｔｌｙ               ｔｈｅ               ｔｅｒｍ               ｉｓ               ａ               ｈｏｌｄｏｖｅｒ               ｆｒｏｍ               ｅａｒｌｙ               ｅｌｅｃｔｒｏｎｉｃ               ｂａｎｋｉｎｇ               ｌｉｎｇｏ.

Ｔｈｉｓ               5               ｄｉｇｉｔ               ｎｕｍｂｅｒ               ｔｅｌｌｓ               ｏｕｒ               ｃｏｍｐｕｔｅｒ               ｗｈｅｒｅ               ｔｏ               ｓｅｎｄ               ｔｈｅ               ｃｌａｉｍ,               ａｎｄ               ｉｆ               ｗｅ               ｈａｖｅ               ｔｒｏｕｂｌｅ               ｗｅ               ｃａｎ               ｕｓｕａｌｌｙ               ｆｉｎｄ               ａ               ｈｅｌｐ-ｄｅｓｋ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｆｏｒ               ｔｈａｔ               ＢＩＮ.
               Ｐｈａｒｍａｃｙ               Ｂｅｎｅｆｉｔ               Ｍａｎａｇｅｒｓ
               Ｔｈｅ               ｃｌａｉｍ               ｉｓ               ｎｏｔ               ｔｒａｎｓｍｉｔｔｅｄ               ｄｉｒｅｃｔｌｙ               ｔｏ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ.

Ｉｔ               ｉｓ               ｓｅｎｔ               ｏｆｆ               ｔｏ               ｗｈａｔ               ｉｓ               ｋｎｏｗｎ               ａｓ               ａ               Ｐｈａｒｍａｃｙ               Ｂｅｎｅｆｉｔ               Ｍａｎａｇｅｒ               (ＰＢＭ),               ａ               ｆｏｒ-ｐｒｏｆｉｔ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｏｎｌｙ               ｈａｎｄｌｅｓ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｂｉｌｌｉｎｇ.

Ｉｔ               ｍａｙ               ｂｅ               ａ               ｓｅｐａｒａｔｅ               ｂｒａｎｃｈ               ｏｆ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ,               ｌｉｋｅ               Ａｅｔｎａ,               ｏｒ               ｉｔ               ｃａｎ               ｂｅ               ａ               ｃｏｍｐｌｅｔｅｌｙ               ｄｉｆｆｅｒｅｎｔ               ｅｎｔｉｔｙ               ｌｉｋｅ               Ｍｅｄｃｏ               ｏｒ               Ｅｘｐｒｅｓｓ               Ｓｃｒｉｐｔｓ.

Ｅａｃｈ               ＰＢＭ               ｈａｓ               ａ               ｄｉｆｆｅｒｅｎｔ               ＢＩＮ.

Ｉｔ               ｃａｎ               ｇｅｔ               ｅｖｅｎ               ｍｏｒｅ               ｃｏｎｆｕｓｉｎｇ               ｉｆ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｄｅｃｉｄｅｓ               ｔｏ               ｓｗｉｔｃｈ               ＰＢＭｓ.

Ｔｈｅｙ               ｍａｙ               ｈａｖｅ               ｓｉｇｎｅｄ               ａ               ｎｅｗ               ｃｏｎｔｒａｃｔ               ｗｉｔｈ               ｔｈｅ               ｎｅｗ               ＰＢＭ               ｔｈａｔ               ｈａｓ               ｐｒｏｍｉｓｅｄ               ｔｏ               ｇｉｖｅ               ｔｈｅ               ｓａｍｅ               ｂｅｎｅｆｉｔｓ,               ｂｕｔ               ｔｈａｔ               ｄｏｅｓｎ'ｔ               ｍｅａｎ               ｅｖｅｒｙｔｈｉｎｇ               ｉｓ               ｔｈｅ               ｓａｍｅ               ｆｏｒ               ｏｎｌｉｎｅ               ｂｉｌｌｉｎｇ               ｏｆ               ｔｈｅ               ｃｌａｉｍ.

Ｗｉｔｈｏｕｔ               ｔｈｅ               ｎｅｗ               ｃａｒｄ               (ｏｒ               ａｔ               ｌｅａｓｔ               ｔｈｅ               ｎｅｗ               ＢＩＮ               ａｎｄ               ＩＤ               ｎｕｍｂｅｒｓ),               ｙｏｕ               ｍａｙ               ｈａｖｅ               ａ               ｈａｒｄ               ｔｉｍｅ               ａｔ               ｔｈｅ               ｐｈａｒｍａｃｙ.

Ｈｅｒｅ               ｉｎ               Ｗａｓｈｉｎｇｔｏｎ               Ｓｔａｔｅ,               ｓｔａｔｅ               ｅｍｐｌｏｙｅｅｓ               ｈａｖｅ               ｈａｄ               ＰＢＭ               ｃｈａｎｇｅｓ               ｔｗｉｃｅ               ｉｎ               ｔｈｅ               ｌａｓｔ               ｓｅｖｅｒａｌ               ｙｅａｒｓ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｉｎ               ａ               ｌａｒｇｅ               ｇｒｏｕｐ               ｌｉｋｅ               ｓｔａｔｅ               ｅｍｐｌｏｙｅｅｓ               ｏｒ               ａ               ｍａｊｏｒ               ｅｍｐｌｏｙｅｒ               ｉｎ               ｙｏｕｒ               ａｒｅａ,               ｔｈｅ               ｐｈａｒｍａｃｙ               ｃａｎ               ｐｒｏｂａｂｌｙ               ｆｉｇｕｒｅ               ｉｔ               ｏｕｔ               ｆｏｒ               ｙｏｕ,               ｂｕｔ               ｔｏ               ｂｅ               ｓａｆｅ               ｙｏｕ               ｓｈｏｕｌｄ               ａｌｗａｙｓ               ｈａｖｅ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｎｅｗｅｓｔ               ｃａｒｄ               ｏｎ               ｙｏｕ.
               Ｆｏｒｍｕｌａｒｉｅｓ,               Ｐｒｉｏｒ               Ａｕｔｈｏｒｉｚａｔｉｏｎｓ,               ａｎｄ               ｏｔｈｅｒ               Ｒｅｓｔｒｉｃｔｉｏｎｓ
               Ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｐｅｏｐｌｅ               ｗｈｏ               ｔｈｉｎｋ               ＰＢＭｓ               ａｒｅ               ｅｖｉｌ               ｃｏｍｐａｎｉｅｓ,               ｄｅｎｙｉｎｇ               ｙｏｕｒ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｃｌａｉｍｓ               ｊｕｓｔ               ｆｏｒ               ｔｈｅ               ｆｕｎ               ｏｆ               ｉｔ.

Ｔｈｅ               ｔｒｕｔｈ,               ｉｎ               ｍｙ               ｈｕｍｂｌｅ               ｏｐｉｎｉｏｎ,               ｉｓ               ｔｈｅｙ               ａｒｅ               ｏｎｌｙ               ｏｎｅ               ｐａｒｔ               ｏｆ               ｏｕｒ               ｍｅｓｓｅｄ-ｕｐ               ｆｏｒ-ｐｒｏｆｉｔ               ｉｎｓｕｒａｎｃｅ               ｓｙｓｔｅｍ               ｉｎ               ｔｈｉｓ               ｃｏｕｎｔｒｙ.

Ｔｈｅ               ＰＢＭｓ               ｏｆｆｅｒ               ｅｍｐｌｏｙｅｒｓ               ｄｉｆｆｅｒｅｎｔ               ｃｏｖｅｒａｇｅ               ｐｌａｎｓ               ａｔ               ｄｉｆｆｅｒｅｎｔ               ｐｒｉｃｅｓ.

Ｔｈｅ               ｌｏｗｅｒ               ｐｒｉｃｅｄ               ｐｌａｎｓ               ｔｈａｔ               ｍａｎｙ               ｅｍｐｌｏｙｅｒｓ               ｃｈｏｏｓｅ               ｔｏ               ｔｒｙ               ｔｏ               ｋｅｅｐ               ｏｖｅｒｈｅａｄ               ｄｏｗｎ               ｗｉｌｌ               ｈａｖｅ               ｈｉｇｈｅｒ               ｃｏ-ｐａｙｓ               ａｎｄ               ｍｏｒｅ               ｒｅｓｔｒｉｃｔｉｏｎｓ.
               Ｔｈｅ               ｍａｊｏｒ               ｒｅｓｔｒｉｃｔｉｏｎ               ｙｏｕ               ｓｈｏｕｌｄ               ｋｎｏｗ               ａｂｏｕｔ               ｉｓ               ｔｈｅ               ｆｏｒｍｕｌａｒｙ.

Ｔｈｉｓ               ｉｓ               ａ               ｌｉｓｔ               ｏｆ               ｐｒｅｆｅｒｒｅｄ               ｍｅｄｉｃａｔｉｏｎｓ               ｔｈａｔ               ｔｈｅ               ＰＢＭｓ               ｄｏｎ'ｔ               ｍａｋｅ               ｒｅａｄｉｌｙ               ａｖａｉｌａｂｌｅ               ｔｏ               ｐｈａｒｍａｃｉｅｓ               ｏｒ               ｄｏｃｔｏｒｓ,               ｏｒ               ｉｆ               ｔｈｅｙ               ｄｏ,               ｉｔ               ｉｓ               ｉｎｃｒｅｄｉｂｌｙ               ｃｏｍｐｌｉｃａｔｅｄ               ｂｅｃａｕｓｅ               ｄｉｆｆｅｒｅｎｔ               ｐｌａｎｓ               ｏｆｆｅｒｅｄ               ｂｙ               ｔｈａｔ               ＰＢＭ               ｈａｖｅ               ｄｉｆｆｅｒｅｎｔ               ｆｏｒｍｕｌａｒｉｅｓ.

Ｍｙ               ａｄｖｉｃｅ               ｔｏ               ｙｏｕ               ｉｓ               ｔｏ               ｇｅｔ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｐｌａｎ'ｓ               ｆｏｒｍｕｌａｒｙ               ｆｏｒ               ｙｏｕｒｓｅｌｆ.

Ｉｔ               ｍａｙ               ｂｅ               ａｖａｉｌａｂｌｅ               ｏｎ               ＰＢＭｓ               ｗｅｂｓｉｔｅ               ｆｏｒ               ｐａｔｉｅｎｔｓ               ｔｏ               ｄｏｗｎｌｏａｄ,               ｏｒ               ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｃａｌｌ               ｃｕｓｔｏｍｅｒ               ｓｅｒｖｉｃｅ               ａｎｄ               ｈａｖｅ               ａ               ｃｏｐｙ               ｍａｉｌｅｄ               ｔｏ               ｙｏｕ.
               Ｔｈｉｓ               ｗｉｌｌ               ｈｏｐｅｆｕｌｌｙ               ｓａｖｅ               ｙｏｕ               ｆｒｏｍ               ｔｈｅ               ｄｒｅａｄｅｄ               Ｐｒｉｏｒ               Ａｕｔｈｏｒｉｚａｔｉｏｎ               (ＰＡ)               ｓｉｔｕａｔｉｏｎ.

Ｍａｎｙ               ｅｘｐｅｎｓｉｖｅ               ｍｅｄｉｃａｔｉｏｎｓ               ｗｉｌｌ               ｎｏｔ               ｂｅ               ｏｎ               ｔｈｅ               ｆｏｒｍｕｌａｒｙ,               ａｎｄ               ｔｈｅ               ＰＢＭ               ｗｉｌｌ               ｏｎｌｙ               ｃｏｖｅｒ               ｔｈｅｍ               ａｆｔｅｒ               ｇｅｔｔｉｎｇ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｒｏｍ               ｔｈｅ               ｐｒｅｓｃｒｉｂｅｒ.

Ｉｆ               ｔｈｅ               ｐｒｅｓｃｒｉｂｅｒ               ｇｉｖｅｓ               ｔｈｅｍ               ｔｈｅ               ａｎｓｗｅｒｓ               ｔｈｅｙ               ｗａｎｔ               ａｂｏｕｔ               ｙｏｕｒ               ｄｉａｇｎｏｓｉｓ               ａｎｄ               ｏｔｈｅｒ,               ｃｈｅａｐｅｒ               ｍｅｄｉｃａｔｉｏｎｓ               ｙｏｕ               ｍａｙ               ｈａｖｅ               ｔｒｉｅｄ,               ｔｈｅｎ               ａ               ＰＡ               ｗｉｌｌ               ｂｅ               ｇｉｖｅｎ.

Ｉ               ｍｉｇｈｔ               ａｇｒｅｅ               ｔｈａｔ               ｔｈｉｓ               ｉｓ               ａ               ｒｅａｓｏｎａｂｌｅ               ｃｏｓｔ-ｓａｖｉｎｇ               ｍｅａｓｕｒｅ,               ｅｘｃｅｐｔ               ｔｈａｔ               ｉｔ               ｕｓｕａｌｌｙ               ｔａｋｅｓ               ａｎｙｗｈｅｒｅ               ｆｒｏｍ               ａ               ｆｅｗ               ｄａｙｓ               ｔｏ               ａ               ｆｅｗ               ｗｅｅｋｓ               ｔｏ               ｇｅｔ               ａ               ｒｅｐｌｙ               ｔｏ               ａ               ＰＡ               ｒｅｑｕｅｓｔ.

Ｗｈｅｎ               ｏｎｅ               ｐｌａｎ               ｗａｎｔｅｄ               ｔｏ               ｇｅｔ               ＰＡｓ               ｏｎ               ａｎ               ｅｘｐｅｎｓｉｖｅ               ａｎｔｉｂｉｏｔｉｃ               (ａｓ               ｉｆ               ｔｈｅ               ｐａｔｉｅｎｔ               ｃｏｕｌｄ               ｗａｉｔ               ｓｅｖｅｒａｌ               ｄａｙｓ               ｔｏ               ｓｔａｒｔ               ｉｔ!),               Ｉ               ｗａｓ               ｔｈｏｒｏｕｇｈｌｙ               ｄｉｓｇｕｓｔｅｄ               ｗｉｔｈ               ｔｈｅｍ.
               Ａｌｌ               ｐｌａｎｓ               ｗｉｌｌ               ｈａｖｅ               ａ               ｍａｘｉｍｕｍ               ｑｕａｎｔｉｔｙ               ｐｅｒ               ｆｉｌｌ.

Ｔｈｉｓ               ｉｓ               ｕｓｕａｌｌｙ               30               ｔｏ               34               ｄａｙｓ               ａｔ               ａ               ｒｅｔａｉｌ               ｐｈａｒｍａｃｙ.

Ｍｏｒｅ               ａｎｄ               ｍｏｒｅ               ＰＢＭｓ               ａｒｅ               ｏｆｆｅｒｉｎｇ               ｔｈｅ               ｏｐｔｉｏｎ               ｏｆ               ａ               ｌａｒｇｅｒ               ｓｕｐｐｌｙ               ｉｆ               ｇｏ               ｗｉｔｈ               ｔｈｅｉｒ               ｍａｉｌ-ｏｒｄｅｒ               ｐｈａｒｍａｃｙ.

Ｏｒ               ｙｏｕ               ｍａｙ               ｏｎｌｙ               ｂｅ               ａｂｌｅ               ｔｏ               ｆｉｌｌ               ｏｎｌｙ               ａ               ｆｅｗ               ｔｉｍｅｓ               ａｔ               ｙｏｕｒ               ｎｅｉｇｈｂｏｒｈｏｏｄ               ｐｈａｒｍａｃｙ               ａｎｄ               ｔｈｅｎ               ｂｅ               ｆｏｒｃｅｄ               ｉｎｔｏ               ｍａｉｌ-ｏｒｄｅｒ.

Ｔｈｅｒｅ               ｃａｎ               ａｌｓｏ               ｂｅ               ｌｉｍｉｔｓ               ｏｎ               ｔｈｅ               ｑｕａｎｔｉｔｉｅｓ               ｏｆ               ｃｅｒｔａｉｎ               ｍｅｄｉｃａｔｉｏｎｓ               ｔｈａｔ               ａｒｅ               ｌｏｗｅｒ               ｔｈａｎ               ｙｏｕｒ               ｕｓｕａｌ               ｍａｘｉｍｕｍ               ｑｕａｎｔｉｔｙ.

Ｔｈｉｓ               ｕｓｕａｌｌｙ               ａｐｐｌｉｅｓ               ｔｏ               "ａｓ               ｎｅｅｄｅｄ"               ｍｅｄｉｃａｔｉｏｎｓ               ｌｉｋｅ               ｔｈｏｓｅ               ｆｏｒ               ｓｌｅｅｐ,               ｍｉｇｒａｉｎｅｓ,               ａｎｄ               ｅｒｅｃｔｉｌｅ               ｄｙｓｆｕｎｃｔｉｏｎ.
               Ｗｉｔｈ               ｓｔａｔｅ-ｒｕｎ               ｐｒｏｇｒａｍｓ               ｔｈｅｒｅ               ｉｓ               ｕｓｕａｌｌｙ               ａ               ｍｉｄｄｌｅ               ｍａｎ               ｗｈｏ               ｈａｎｄｌｅｓ               ｂｉｌｌｉｎｇ,               ｂｕｔ               ｄｏｅｓｎ'ｔ               ｃａｌｌ               ｔｈｅ               ｓｈｏｔｓ               ａｓ               ｍｕｃｈ               ａｓ               ｔｈｅ               ＰＢＭｓ.

Ｔｈｅｒｅ               ａｒｅ               ｓｔｉｌｌ               ｒｅｓｔｒｉｃｔｉｏｎｓ               ａｎｄ               ｍｅｄｉｃａｔｉｏｎｓ               ｔｈａｔ               ｒｅｑｕｉｒｅ               ＰＡｓ,               ｂｕｔ               ｔｈｅｓｅ               ａｒｅ               ｄｅｔｅｒｍｉｎｅｄ               ｂｙ               ｔｈｅ               ｓｔａｔｅ,               ｎｏｔ               ｔｈｅ               ｃｏｍｐａｎｙ               ｐｒｏｃｅｓｓｉｎｇ               ｔｈｅ               ｃｌａｉｍ.
               Ｗｈａｔ               ｔｏ               ｄｏ               ｉｆ               ｙｏｕ               ａｒｅ               ｕｎｈａｐｐｙ               ｗｉｔｈ               ｙｏｕｒ               ｃｏｖｅｒａｇｅ
               Ｔｈｅ               ｗｈｏｌｅ               ｍｅｄｉｃａｌ               ｉｎｓｕｒａｎｃｅ               ｓｙｓｔｅｍ               ｎｅｅｄｓ               ａ               ｍａｊｏｒ               ｏｖｅｒｈａｕｌ               ｉｆ               ｙｏｕ               ａｓｋ               ｍｅ.

Ｃｏｎｔａｃｔ               ｙｏｕｒ               ｃｏｎｇｒｅｓｓｐｅｒｓｏｎ               ｉｆ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｓｅｅ               ｈｅａｌｔｈｃａｒｅ               ｒｅｆｏｒｍ.

Ｉｎ               ｔｈｅ               ｍｅａｎｔｉｍｅ,               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｗｏｒｋ               ｗｉｔｈｉｎ               ｔｈｅ               ｓｙｓｔｅｍ.
               Ｌｅｔ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｋｎｏｗ               ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｌｉｋｅ               ｙｏｕｒ               ｃｏｖｅｒａｇｅ.

Ｙｏｕ               ａｎｄ               ｙｏｕｒ               ｃｏ-ｗｏｒｋｅｒｓ               ｍｉｇｈｔ               ｂｅ               ａｂｌｅ               ｔｏ               ｎｅｇｏｔｉａｔｅ               ｗｉｔｈ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｆｏｒ               ａ               ｂｅｔｔｅｒ               ｐｈａｒｍａｃｙ               ｂｅｎｅｆｉｔ               ｐａｃｋａｇｅ               ｔｈｅ               ｎｅｘｔ               ｔｉｍｅ               ａｒｏｕｎｄ.

Ａｌｓｏ,               ｒｅｍｅｍｂｅｒ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ               ｍａｙ               ｈａｖｅ               ｓｉｇｎｅｄ               ｔｈｅ               ｃｏｎｔｒａｃｔ,               ｂｕｔ               ｙｏｕ               ａｒｅ               ｐａｙｉｎｇ               ｔｈｅ               ｐｒｅｍｉｕｍ               (ｂｅｎｅｆｉｔｓ               ａｒｅ               ｐａｒｔ               ｏｆ               ｙｏｕｒ               ｃｏｍｐｅｎｓａｔｉｏｎ               ｆｏｒ               ｗｏｒｋｉｎｇ               ｈａｒｄ).

Ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｗｏｒｋｓ               ｆｏｒ               ｙｏｕ;               ｎｏｔ               ｔｈｅ               ｏｔｈｅｒ               ｗａｙ               ａｒｏｕｎｄ,               ｓｏ               ｄｏｎ'ｔ               ｈｅｓｉｔａｔｅ               ｔｏ               ｃａｌｌ               ｔｈｅ               ｃｕｓｔｏｍｅｒ               ｓｅｒｖｉｃｅ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｏｎ               ｙｏｕｒ               ｃａｒｄ               ｉｆ               ｙｏｕ               ｈａｖｅ               ａｎｙ               ｑｕｅｓｔｉｏｎｓ.

Ｉｆ               ｙｏｕ               ｄｏ               ｒｕｎ               ｉｎｔｏ               ａ               ｓｉｔｕａｔｉｏｎ               ｗｈｅｒｅ               ｔｈｅ               ｐｌａｎ               ｉｓ               ｇｉｖｉｎｇ               ｙｏｕ               ａ               ｈａｒｄ               ｔｉｍｅ               ｏｖｅｒ               ａ               ＰＡ,               ｄｏｎ'ｔ               ｇｉｖｅ               ｕｐ.

Ｈａｖｅ               ｔｈｅ               ｐｈａｒｍａｃｙ               ｃａｌｌ,               ｈａｖｅ               ｙｏｕｒ               ｄｏｃｔｏｒ               ｃａｌｌ,               ａｎｄ               ｃａｌｌ               ｙｏｕｒｓｅｌｆ               ｕｎｔｉｌ               ｙｏｕ               ｇｅｔ               ａ               ｓａｔｉｓｆａｃｔｏｒｙ               ｒｅｓｐｏｎｓｅ               ｆｒｏｍ               ｔｈｅ               ＰＢＭ.Ａｌｗａｙｓ               ｈａｖｅ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｉｎｓｕｒａｎｃｅ               ｃａｒｄ               ｏｎ               ｙｏｕ.Ｈａｖｅ               ｙｏｕｒ               ｄｏｃｔｏｒ               ｃｈｅｃｋ               ｙｏｕｒ               ｐｌａｎ'ｓ               ｆｏｒｍｕｌａｒｙ.Ｄｏｎ'ｔ               ｆｏｒｇｅｔ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｗｏｒｋｓ               ｆｏｒ               ｙｏｕ;               ｎｏｔ               ｔｈｅ               ｏｔｈｅｒ               ｗａｙ               ａｒｏｕｎｄ.






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