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</html>";s:4:"text";s:36842:"Blue Cross Blue Shield Claim Mailing address. Available at: http://www.cms.gov/medicare-coverage-database/details/nca-decision-memo.aspx?NCAId=277. Ahlquist DA, Zou H, Domanico M, et al. Imperiale TF, Ransohoff DF, Itzkowitz SH, et al. 7. Epub 2014 Mar 19. It may also consider whether the services, supplies or procedures are more costly than an alternative service or sequence of services, supplies or procedures that are at least as likely to produce equivalent therapeutic or diagnostic results as to the diagnosis or treatment of the relevant illness, injury or disease. This website does not display all Qualified Health Plans available through Get Covered NJ .To see all available Qualified Health Plan options, go to the New Jersey Health Insurance Marketplace at Get Covered NJ .. Products and services are provided by Horizon Blue . . Found insideThis book provides a balanced assessment of pay for performance (P4P), addressing both its promise and its shortcomings. Read More. 26 . 2 reviews . 3. NJ DIRECT M. EMBER G UIDEBOOK 3 . If you get married during Open Enrollment, a Special Enrollment Period is still triggered by your marriage. a family history of breast, ovarian or endometrial cancer; or. CPT*, https://www.cms.gov/medicare-coverage-database/indexes/ncd-alphabetical-index.aspx, http://www.cms.gov/medicare-coverage-database/details/nca-proposed-decision-memo.aspx?NCAId=277, http://www.cms.gov/medicare-coverage-database/details/nca-decision-memo.aspx?NCAId=277, https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-staging/acs-recommendations.html, https://www.cancer.org/content/cancer/en/cancer/colon-rectal-cancer/detection-diagnosis-staging.html. The purpose of this policy is to provide general information applicable to the administration of health benefits that Horizon Blue Cross Blue Shield of New Jersey and Horizon Healthcare of New Jersey, Inc. (collectively "Horizon BCBSNJ") insures or administers. Click "I Agree" to continue to the third party site. 2004;351(26):2755-2758. The Blue Cross® and Blue Shield® names and symbols are registered marks of the Blue Cross Blue Shield Association. The Best Companies for Multicultural Women survey evaluates companies in three key clusters: Workforce Profile, Recruitment, Retention and Advancement, and Company Culture. Cancer Epidemiol Biomarkers Prev. Learn more about your benefits, including prescription coverage. What health insurance for young adults can I have until the age of 26? We are focused on making sure our members get the right care when you need it. J Natl Compr Canc Netw. 6859 (11 /15) Page 1 Company Information. Found insidePartnering with Patients to Drive Shared Decisions, Better Value, and Care Improvement Workshop Proceedings offers a summary of the 2-day workshop including the workshop agenda and biographies of speakers. We found 10 results for Horizon Blue Cross Blue Shield in or near Bradenton, FL. Screening for colorectal cancer: a guidance statement from the American College of Physicians. Available at: https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-staging/acs-recommendations.html This guide includes just a few of the advantages you'll find when you choose individual health coverage from Horizon Blue Cross Blue Shield of New Jersey. William R. Profitt, DDS, PhD; with Henry W. Fields, Jr., DDS, MSD, and 4 contributors Content includes basic and applied growth and development, biomechanics and basic orthodontic techniques, and clinical orthodontics. American Cancer Society. Nat Biotechnol. Blue Cross Blue Shield Claim Mailing address. Horizon Healthy Smiles Age Option 1 Option 2 Option 1* Option 2* 22 and under fÓä°ÇÈ $16.59 f£Ç°äÎ$14.02 23-24 $20.12f£È°äÇ$16.50 $13.58 25-29 $22.86 $18.26 f£n°Ç{ $15.42 Thank you for your interest in Blue Cross and Blue Shield of Massachusetts. Horizon Blue Cross Blue Shield of New Jersey is an independent licensee of the Blue Cross and Blue Shield Association. Doubeni C. Tests for screening for colorectal cancer: Stool tests, radiologic imaging and endoscopy. They also appear in other related business categories including Health Insurance, Employee Benefits Insurance, and Auto Insurance. 2014 Apr 3;370(14):1287-97. doi: 10.1056/NEJMoa1311194. Colorectal Cancer. BCBS Prefix List KAA to KZZ. Found insideThis book provides dental professionals with a clear understanding of current clinical and scientific knowledge on the various aspects of pulp treatment for both primary and young permanent teeth. BCBS Prefix List D2A to D9Z. Horizon Blue Cross Blue Shield Representative on Campus In an effort to provide enhanced customer service, a Horizon representative will be available the second Tuesday of every month for virtual meetings from 9 a.m. to 4 p.m. to assist employees with such issues as claim resolution, understanding explanation of benefits, and plan benefit . (973) 466-4000. This classic textbook has been completely updated to address the changes in optometric practice since the first edition. BCBS Prefix List 2021 - Alpha. https://clinicaltrials.gov/ct2/show/NCT02419716. Available at: http://www.cologuardtest.com. Whitlock EP, Lin JS, Liles E, et al. February 24, 2021. Lynch syndrome (hereditary nonpolyposis colorectal cancer): Screening and management. Remember: If you purchased your Horizon BCBSNJ coverage through the Exchange (federal Marketplace) and need to make changes to your enrollment information, please contact the Exchange directly. State Lookup. Screening for colorectal cancer in patients with a family history of colorectal cancer or advanced polyp. NOTE: NO FURTHER DISCOUNT FOR THIS PRINT PRODUCT-- OVERSTOCK SALE -- Significantly reduced list price USDA-NRCS. Issued in spiral ringboundbinder. By Philip J. Schoeneberger, et al. Last Revised: May 30, 2018. Please click Continue to leave this website. The Horizon® name and symbols are registered marks of Horizon Blue Cross Blue Shield of New Jersey. To see all available Qualified Health Plan options, go to the New Jersey Health Insurance Marketplace at Get Covered NJ. BCBS Prefix List 2021 - Alpha. Found insideUltimately, this book is an enthusiastic and comprehensive portrait by a native son, whose passion for the region is shared by millions of beachgoers throughout the Northeast. Multitarget stool DNA testing for colorectal-cancer screening. 33. Dependent children of enrolled employees are covered to age 26. Products and services are provided by Horizon Blue Cross Blue Shield of New Jersey, Horizon Insurance Company, Horizon Healthcare of New Jersey, Braven Health, and/or Horizon Healthcare Dental, Inc., each an independent licensee of the Blue Cross Blue Shield Association. For services provided August 1, 2017 and after, Horizon Blue Cross Blue Shield of New Jersey collaborates with eviCore healthcare to conduct Medical Necessity Determination for certain molecular and genomic testing services for members enrolled in Horizon BCBSNJ fully insured products as well as Administrative Services Only (ASO) accounts that . FDA. Age 66 Child & Adolescent Psychiatry. Screening and surveillance for the early detection of colorectal cancer and adenomatous polyps, 2008: a joint guideline from the American Cancer Society, the US Multi-Society Task Force on Colorectal Cancer, and the American College of Radiology. Horizon Blue Cross Blue Shield of New Jersey is pleased to announce that Dr. Roberta McNeill, Medical Director II, Health Services &amp; Network Support, and Alicia Suggs, Director Market Strategy Development have been named to the 2021 Top 100 Under 50 Emerging and Executive Leaders with Advanced Degrees list by Diversity MBA! In: UpToDate, Lamont T, Elmore JG, Melin JA (Eds), UpToDate, Waltham, MA. In: UpToDate, Lamont, JT, Elmore JG, Melin JA (Eds), UpToDate, Waltham, MA. After out-of-pocket maximum is reached annually, behavioral health is reimbursed at 195% CMS fee schedule. Call Now. February 24, 2021. Patient perceptions of stool-based DNA testing for colorectal cancer screening. This book offers perspective and context for key decision points in structuring a CSOC, such as what capabilities to offer, how to architect large-scale data collection and analysis, and how to prepare the CSOC team for agile, threat-based ... Blue Cross Blue Shield offers global coverage and a global coverage app on itunes and GooglePlay. Clinical performance of an automated stool DNA assay for detection of colorectal neoplasia. N Engl J Med. Qaseem A, Denberg TD, Hopkins RH, Jr., et al. https://clinicaltrials.gov/ct2/show/NCT02715141, Adult Abdomen Imaging Policy (Policy #148 in the Radiology Section), Fecal Immunochemical Test (FIT) every year, High-Sensitivity Guaiac-Based Fecal Occult Blood Test (HSgFOBT) every year, Multi-Target Stool DNA Test (MT-sDNA) or FIT-DNA (e.g., Cologuard), CT Colonography (CTC) or Virtual Colonoscopy every 5 years, Flexible Sigmoidoscopy (FSIG) every 5 years, a strong family history of colorectal cancer or certain types of polyps, a personal history of colorectal cancer or certain types of polyps, a personal history of inflammatory bowel disease (ulcerative colitis or Crohn's disease), a known family history of a hereditary colorectal cancer syndrome such as familial adenomatous polyposis (FAP) or Lynch syndrome (also known as hereditary non-polyposis colon cancer or HNPCC). This field manual provides information on the mission, organization, and responsibilities for preventive medicine support operation through the operational continuum. Care in network or out of network in New Jersey, nationwide and abroad, No need to select a Primary Care Physician (PCP), No referrals necessary to see a specialist, Lower out-of-pocket costs when using the Horizon Managed Care Network or the BlueCard® PPO Network nationwide and Blue Cross Blue Shield Global® Core abroad. We received a letter dated April 26, 2017, from Horizon BCBS of NJ ( copy attached), which, in essence, stated that they would only consider themselves our secondary insurers, that Medicare, because of our age, should be our primary insurers. Endoscopy (Colonoscopy) N Engl J Med. All appointment times are guaranteed by our Horizon Blue Cross Blue Shield of New Jersey Dermatologists & Providers. PMID 22393133 Before the President signed this landmark Act into law, many health plans and issuers could and did in fact remove young adults from their parents' policies because of their age, leaving many college graduates and others with no insurance. You may still qualify for health insurance and be eligible for significant savings. Horizon Blue Cross Blue Shield provides such links for your convenience and reference only. This is not a complete list of all covered services. Products are provided by Horizon Healthcare Dental, Inc., and Horizon Blue Cross Blue Shield of New Jersey, both of which are independent licensee of the Blue Cross Blue Shield Association. By downloading the Horizon Blue app, your child's member ID card is just a tap away, and they can find in-network doctors and what's covered under their plan, and access our 24/7 Nurse Line or telehealth services. . 2008;103(11-Jan):2862-2870. Lower out-of-pocket costs when using the Horizon Managed Care Network or the BlueCard® PPO Network nationwide and Blue Cross Blue Shield Global® Core abroad; NJ DIRECT is available to employees hired prior to 7/1/2019. Version 2.0 of this Guide expands on these fundamentals and encourages emergency and homeland security managers to engage the whole community in addressing all risks that might impact their jurisdictions. Practice Guidelines in Oncology. from New Jersey Inc prior to visiting. 10. . Available at: https://www.cancer.org/content/cancer/en/cancer/colon-rectal-cancer/detection-diagnosis-staging.html The Horizon Foundation for New Jersey today announced the Kids' Oral Health Program (KOHP), a $500,000 two-year pilot initiative to improve oral health-related awareness, education, prevention and treatment for young people. . All plans with an out-of-network benefit also have specified dollar limits for chiropractic, physical therapy and acupuncture. For a Horizon Health Guide, call 1-800-414-SHBP (7427). Horizon Blue Cross Blue Shield cautions you to use good judgment and to determine the privacy policy of such sites before you provide any personal information. Visit state.nj.us/treasury/pensions/member-guidebooks.shtml for more information. Retirees: Please visit state.nj.us/treasury/pensions for information regarding available retiree plans. Blue Cross Blue Shield Provider Phone Number. I have anxiety and panic disorder. Blue Cross Blue Shield Claim Mailing address. Available at: https://clinicaltrials.gov/ct2/show/NCT02715141. Commercial HMO & POS, State and State College/University Employees, Diabetes/Hypertension Whole Person Program, Women’s Health and Cancer Rights Act of 1998, care in the U.S., Puerto Rico and U.S. Virgin Islands, Horizon HMO members who are away from home, state.nj.us/treasury/pensions/member-guidebooks.shtml, Claims Payment Policies & Other Information. Effective date of service 11/01/2006; Please note the age for this vaccine is 60 years of age and older based on the CDC/ACIP. Ann Intern Med. An update of the revised Bright Futures Guidelines 3rd edition provides new and revised materials for health supervision to provide better health care, save time, and keep up with changes in family, communities, and society that impact ... Mar 6 2012;156(5):378-386. This book is written for dermatologists, otolaryngologists, facial plastic surgeons and any physician who want to provide state of the art treatment for skin cancer patients. Rep./Clerk/Patient Mcare HMO, POS, PPO, Blue Care Network Covered, no copay Covered, no copay Give patient injection Blue Shield Covered only if plan has immunization benefits for patient's age Covered only if plan has immunization benefits for patient's age For complete listing of covered services . For J.D. References: . Communications may be issued by Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and provider relations for all its companies. Aged 50 and older who are at normal risk of developing colorectal cancer or, At high risk of developing colorectal cancer, Screening FOBT is covered once every 12 months, Screening flexible sigmoidoscopy is covered once every 48 months (unless the individual does not meet the criteria for high risk of developing colorectal cancer and the individual has had a screening colonoscopy within the preceding 10 years, in which case a screening flexible sigmoidoscopy may be covered only after at least 119 months have passed following the month that the individual received the screening colonoscopy), Screening colonoscopy is covered once every 120 months (10 years), or 48 months (4 years) after a previous sigmoidoscopy, Screening barium enema (when used instead of a flexible sigmoidoscopy or colonoscopy) is covered once every 48 months, Screening flexible sigmoidoscopy is covered once every 48 months, Screening colonoscopy is covered once every 24 months (unless a screening flexible sigmoidoscopy has been performed and then Medicare may cover a screening colonoscopy only after at least 47 months), Screening barium enema (when used instead of a flexible sigmoidoscopy or colonoscopy) is covered once every 24 months, Reasonable and necessary for the prevention or early detection of illness or disability, Recommended with a grade of A or B by the United States Preventive Services Task Force (USPSTF), Appropriate for individuals entitled to benefits under Part A or enrolled under Part B of the Medicare Program. Handicapped dependents are covered beyond the child removal age, if the handicap occurs prior to age 19. Stool methylation-specific polymerase chain reaction assay for the detection of colorectal neoplasia in Korean patients. Marriage https://www.nccn.org/professionals/physician_gls/pdf/colorectal_screening.pdf. 22. Mar 2009;104(3):739-750. 2. Guideline for Colorectal Cancer Screening. Exchange POS/EPO, Applicable Products: 19. —9 days ago Shah R, Jones E, Vidart V, et al. Horizon Blue Cross Blue Shield of New Jersey is pleased to announce that we have earned a place on the 2021 Best Companies for Multicultural Women list. Search: BCBS Prefix List 2021 - Alpha Numeric. Eligible preventive services are covered at 100% if in network and do not have a deductible. Out-of-network cost basis: NJ DIRECT and NJ DIRECT2019: 175% of CMS (Centers for Medicare & Medicaid Services) fee schedule. A smarter strategy? National Comprehensive Cancer Network (NCCN). In: UpToDate, Lamont JT, Goff B, Grover S (Eds), UpToDate, Waltham, MA. Thoroughly illustrated in bandw. Annotation copyright by Book News, Inc., Portland, OR September 21, 2017. Please note that these forms are to be used by Federal Employee Program Members only, Orally Administered Cancer Medication Coverage Law, Orally Administered Cancer Medication Coverage Law FAQs, Office-Administered Specialty Medications List, Patient Protection and Affordable Care Act Preventive Drug List, Self-Administered Specialty Medicine List, Specialty Pharmaceutical Pharmacy Benefit, Specialty Pharmaceutical for Office Administration, Specialty Rx Program for Infertility Treatment. Coverage must be verified with Horizon Blue Cross Blue Shield of New Jersey or Horizon Healthcare of New Jersey, Inc. prior to visiting a physician or admission to a hospital. Horizon BCBSNJ Medical Policy Development Process: Blue Cross and Blue Shield name. Available at: http://seer.cancer.gov/statfacts/html/colorect.html. In the event of a conflict between the information contained in this document and your plan documents, your plan documents shall control. Am J Gastroenterol. 2018. The program also includes funding to support professional development for health care providers and promote best practices in 10 New Jersey counties where dental health . A combination travelogue and guidebook that tells the humorous tale of the authors' vacation in Costa Rica while also giving valuable travel tips. 2012;10(3):272-277. PMID Dr. Shirinov works in Forest Hills, NY and 2 other locations and specializes in General Surgery, Thoracic Surgery, Vascular Surgery and Vascular Medicine. Ahlquist DA, Sargent DJ, Loprinzi CL, et al. NJ DIRECT HD1500 and NJ DIRECT HD4000 are High Deductible Health Plans (HDHPs) that combine a high deductible health plan with a health savings account (HSA). Horizon Blue Cross Blue Shield of New Jersey complies with applicable Federal civil rights laws and does not discriminate against nor does it exclude people or treat them differently on the basis of race, color, gender, national origin, age, disability, pregnancy, gender identity, sex, Where relevant, this Medical Policy considers whether the subject health care services, supplies or procedures are being requested primarily for the convenience of the covered person or the health care provider. horizon hmo member guidebook for employees and retirees enrolled in the state health benefits program or school employees' health benefits program plan year 2019 administered for the division of pensions & benefits by horizon blue cross blue shield of new jersey Channagangaiah. The Blue365 program is brought to you by the Blue Cross and Blue Shield Association. 11602 Queens Blvd, Forest Hills, NY 11375 4.88 miles. Blue Cross Blue Shield Provider Phone Number. Improved fecal DNA test for colorectal cancer screening. ©1996-Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. This website does not display all Qualified Health Plans available through Get Covered NJ. Commercial PPO/EPO & Colorectal Cancer Screening, Version 1.2015. NJ DIRECT HD1500 plan includes $300 Health Savings Account funding by employer. Faculty and Staff. Blue Cross Blue Shield Provider Phone Number. Applicable Products: Clin Gastroenterol Hepatol. While health care evolves rapidly across the nation, our dedication to the people and Illinois communities we serve won't change. This website is operated by Horizon Blue Cross Blue Shield of New Jersey and is not New Jersey's Health Insurance Marketplace. Blue Cross and Blue Shield companies have a variety of resources to help you every step of the way. PMID PMID A treatment . 9. Blue Cross Blue Shield Federal Phone Number. Found insidePart of the Neurosurgery by Example series, this volume on cerebrovascular neurosurgery presents exemplary cases in which renowned authors guide readers through the assessment and planning, decision making, surgical procedure, after care, ... Doubeni C. Screening for colorectal cancer: Strategies in patients at average risk. If you do not wish to visit this site, click "Cancel" to close this window. Horizon Blue Cross Blue Shield of New Jersey Reviews 3 • Average . • If a dependent is disabled and you want to continue his or her coverage beyond age 26, you do not have to make a COBRA/NJSGC or Dependent Under 31 election. Found insideThis book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout. Coverage must be verified with Horizon Blue Cross Blue Shield of New Jersey or Horizon Healthcare of New Jersey, Inc. prior to visiting a physician or admission to a hospital. I. Found insideIn 1987, The Swedish Medical Research Council's Group for Evaluation of Medical Technology approached me on the subject of organizing a conference on Autism - Diagnosis and Treatment. 2. The Blue Cross® and Blue Shield® names and symbols are registered marks of the Blue Cross Blue Shield Association. The businesses listed also serve surrounding cities and neighborhoods including Sarasota FL, Bradenton FL, and Palmetto FL. Horizon Blue Cross Blue Shield NJ Age 26 Dependent.pdf. PMID 24645800 Imperiale TF, Ransohoff DF, Itzkowitz SH, et al. Visit the N.J. Division of Pensions & Benefits website. Horizon Blue Cross Blue Shield of New Jersey (3) Medicare (3) UnitedHealthCare (3) First Health (Coventry Health Care) (2) Humana (2) Ambetter (1) Blue Cross Blue Shield of Massachusetts (1) Empire Blue Cross Blue Shield (1) Federal Employee Program (FEP) (1) Group Health Incorporated (GHI . Services are for illustrative purposes only. Q. Make an appointment online instantly with Dermatologists that accept Horizon Blue Cross Blue Shield of New Jersey insurance. We provide health insurance in Michigan. 90th percentile of FAIR Health national for all other health plans with an out-of-network benefit. opportunity to elect medical coverage under a high deductible health plan, as administered by Horizon Blue Cross Blue Shield of New Jersey ("BCBS") and Cigna (together, the "Benefit Providers"). Found inside – Page 1978Section 1557 is the nondiscrimination provision of the Affordable Care Act (ACA). This brief guide explains Section 1557 in more detail and what your practice needs to do to meet the requirements of this federal law. To enroll in an individual medical, dental, vision or accident plan, call 1-800-224-1234 or schedule an appointment for an online meeting. Effective: January 1, 2014 Services and products provided through Horizon Healthcare of New Jersey or Horizon Blue Cross Blue Shield of New Jersey. Communications may be issued by Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and provider relations for all its companies. October 9, 2014. Through never-before-published letters, documents, historic family photos, and rare personal interviews, Woody Guthrie's Wardy Forty explores the five years Woody spent at Greystone Park State Hospital in New Jersey. 15. https://www.accessdata.fda.gov/cdrh_docs/pdf13/P130017B.pdf. 26. . Colorectal Cancer: Early Detection, Diagnosis, and Staging. Use the chart below to identify key features of each plan. Horizon Blue island Blue Shield NJ Age 26 Dependentpdf. 35. Technology Help. But it wasn't long ago that I knew next to nothing about health insurance. Laboratory services must be rendered by an in-network participating provider, with some exceptions based on medical policy. Horizon Blue Cross Blue Shield of New Jersey is pleased to announce that Dr. Roberta McNeill, Medical Director II, Health Services & Network Support, and Alicia Suggs, Director Market Strategy Development have been named to the 2021 Top 100 Under 50 Emerging and Executive Leaders with Advanced Degrees list by Diversity MBA! Out-of-network deductible is combined with in-network deductible. 2008;149(9):638-658. If you were covered under a plan your parent bought from Blue Cross and Blue Shield of Illinois (BCBSIL), you'll have within 60 days of your 26th birthday to sign up. Final Decision Memorandum for Colorectal Cancer Screening Using Cologuard - A Multitarget Stool DNA Test (CAG-00440N). 16. Contact Horizon Blue Cross Blue Shield of New Jersey for the most current rates. PMID ©1996-Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. February 24, 2021. NJ DIRECT2019 is available to new hires on or after 7/1/2019. a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association . Available at: https://www.nccn.org/professionals/physician_gls/pdf/colorectal_screening.pdf. Horizon Blue Cross Blue Shield of New Jersey is pleased to announce that Dr. Roberta McNeill, Medical Director II, Health Services & Network Support, and Alicia Suggs, Director Market Strategy Development have been named to the 2021 Top 100 Under 50 Emerging and Executive Leaders with Advanced Degrees list by Diversity MBA! 2009;27(9):858-863. PMID 26285241. HPV. 29. Available at: https://clinicaltrials.gov/ct2/show/NCT02419716. Next-generation stool DNA test accurately detects colorectal cancer and large adenomas. Woolf SH. Exclusions and limitations apply to some services. Ramsey SD, Grady WM. PMID . Screening for colorectal cancer: a targeted, updated systematic review for the US Preventive Services Task Force. 30. No family history of colorectal cancers or adenomatous polyps, familial adenomatous polyposis, or hereditary nonpolyposis colorectal cancer, AND. 27. Blue Cross Blue Shield is financially strong and stable. BCBS Company. http://seer.cancer.gov/statfacts/html/colorect.html. Blue Cross Blue Shield Claim Mailing address. N Engl J Med. 26 Years of Age. Multitarget stool DNA testing for colorectal-cancer screening. Is reimbursed at 195 % CMS fee schedule how tolitigate them DIAGNOSTIC LABORATORY/RADIOLOGY/ADVANCED IMAGING total Out-of-Pocket,. 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