BCBSTX App: Blue Access Mobile ®. Our BCBSTX mobile app gives members easy access to the same information and tools as the online portal detailed above. In addition, the BCBSTX mobile app – available for iPhone and Android users – allows members to: Access a digital member ID card. Log in securely with Face ID (iOS only) and Fingerprint ID.No matter which Blue Cross and Blue Shield of Texas plan you choose, you can count on getting the care you need at a price you can afford. That’s our promise to you. Always. As a trusted health care leader in Texas, we’ve been helping our members and communities stay healthy and well for more than 90 years. No matter what your needsApril 23, 2024. Blue Cross and Blue Shield of Texas has updated with minor revisions as part of its annual review, the CPCP005 Home Health Care/Private Duty …Blue Cross Medicare Advantage plans offer all-in-one options that provide medical and prescription drug coverage. Combine what’s covered by Part A and Part B, with added benefits. They Provide: Medicare Part A (hospital insurance) coverage. Medicare Part B (medical insurance) coverage. Limits on your out-of-pocket costs.You can choose or change your PCP by calling a BCBSTX Personal Health Assistant toll-free at (800) 252-8039 (TTY: 711) or by logging in to Blue Access for Members SM: Log in to Blue Access for Members. Click on the "Find Care" tab. On the Find Care page, see your current PCP on the right-hand side for each covered family member, if you already ...HealthSelect SM Secondary. For retirees and their eligible dependents enrolled in Medicare, visit HealthSelect MedicareRx for information about the HealthSelect Medicare Prescription Drug Program. For questions related to your prescription drug benefits, including diabetic supplies, call (866) 264-4676 (TTY: 711), 24 hours a day, seven days a week. COVID-19 PHE Ends. We’re here to keep you informed about how the end of the COVID-19 public health emergency affects your benefit coverage. The Biden Administration ended the COVID-19 public health emergency on May 11, 2023. Some of your COVID-19 benefits have changed with the end of the public health emergency. Vaccines. Tests and Testing Sites. Blue Cross and Blue Shield of Texas. ATTN: Complaints and Appeals Department. P.O. Box 660717. Dallas, TX 75266-0717. Call a Member Advocate for help filing an appeal at 1-877-375-9097 (TTY: 711) You must request an appeal by 60 days from the date your notice for denial of services was mailed. We will give you a decision on your appeal within ...Some members’ plans may require them to obtain these medications from a specific preferred specialty pharmacy* for benefit consideration. Blue Cross and Blue Shield of Texas (BCBSTX) contracts with Accredo to obtain specialty medications approved for self-administration. To contact Accredo, call 833-721-1619, e-prescribe the prescription** or ...Preventive care, including immunizations and prescription drug coverage. Low deductibles and 100% coverage of eligible services at the Student Health Center. Access to our local and national Blue Cross and Blue Shield PPO Network. 24/7 Nurseline and Virtual Visits that provides students access to health care from the convenience of their phone ...Forms and Helpful Resources. If you are already a member of the Blue Cross and Blue Shield of Texas (BCBSTX) family, discover all the ways you can take advantage of the special features that come with your health insurance plan. Register today for … Please fill out the form below and a Blue Cross and Blue Shield of Texas authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service. Please select the product you are interested in If you are in a crisis situation and need immediate help finding resources for care, call 1-800-252-8039 (TTY: 711) and ask to speak to a mental health clinician. BCBSTX Personal Health Assistants can help with changing appointments, finding a new provider or answering benefit questions. Texas STAR, CHIP — 1-877-560-8055. STAR Kids — 1-877-784-6802. For out-of-state Blue Cross and Blue Shield members, call BlueCard® Eligibility at 1-800-676-BLUE (2583) for eligibility and benefit verifications. Learn more about BlueCard. For Federal Employee Program (FEP) members, eligibility and benefits can be obtained by calling 1 … The Personal Health Manager provides you with online information, resources, and tools to help you maintain your healthplan. You can use it to: Learn more about the Personal Health Manager. Login to the Personal Health Manager through Blue Access® for Members. See how BlueEdge fits your budget by using the HealthPlan Cost Estimator Tool. Blue Cross Blue Shield of Texas Gender Assignment Surgery and Gender Reassignment Surgery with Related Services. ... such as long-term cross-sex hormone therapy or surgical procedures, may render an individual infertile whether or not the individual has reproduced in the past. ... A drug list is a list of drugs available to Blue Cross and Blue Shield of Texas members. How much you pay out-of-pocket for prescription drugs is determined by whether your medication is on the list. These prescription drug lists have different levels of coverage, which are called "tiers." HealthSelect SM Secondary. For retirees and their eligible dependents enrolled in Medicare, visit HealthSelect MedicareRx for information about the HealthSelect Medicare Prescription Drug Program. For questions related to your prescription drug benefits, including diabetic supplies, call (866) 264-4676 (TTY: 711), 24 hours a day, seven days a week. Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ... The BlueCard Program* helps Blue Cross and Blue Shield of Texas (BCBSTX) members: Get needed health care when you travel or live outside your Blue Plan service area. Get the same benefits as your BCBSTX plan when you travel or are away from home for an extended amount of time. Find a doctor or hospital throughout the United States — More … About Us. Blue Cross and Blue Shield of Texas is a statewide, customer-owned health insurer. We believe Texas consumers and employers deserve the best of both worlds: access to affordable, quality health care and top-notch service from a company that focuses solely on customers, not shareholders. Customer value is our cornerstone. Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association Life, Accidental Death & Dismemberment and Disability insurance is underwritten by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. We are committed to maintaining an environment of Equal Opportunity and Affirmative Action. If you need accommodation to access the information provided on this web site, please call us at 1-866-977-7378. Please be aware of persons posing as Blue Cross and Blue Shield of Texas employees.To Complete Form go to Page 4. Use this form to authorize Blue Cross and Blue Shield of Texas (BCBSTX) to disclose your protected health information (PHI) to a specific person or entity. You may follow the instructions below or call the number listed on your Member ID card if you need help completing the form. You must complete the entire form.Blue Cross and Blue Shield of Texas will guide you in the right direction. Enroll today. Call: 1-855-453-5945 * First Name Please enter a First Name ... a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association Blue Cross Blue Shield members can search for doctors, hospitals and dentists: In the United States, Puerto Rico and U.S. Virgin Islands. Outside the United States. Select Blue Cross Blue Shield Global™ or GeoBlue if you have international coverage and need to find care outside the United States. BCBSTX Mobile App. Features: Find an in-network doctor, hospital or urgent care facility or search for Spanish-speaking doctors. Access your claims, coverage and deductible information. Access your temporary digital member ID card. Secure login with Face ID (iOS only) and Fingerprint ID. Payments on the Blue Access for Members Mobile App are here.Health Care Service Corporation (HCSC) is a family of companies operating the Blue Cross and Blue Shield plans in Illinois, Montana, New Mexico, Oklahoma, and Texas. Texas Locations. Richardson — Headquarters 1001 E. Lookout Drive Richardson, Texas 75082 Main Switchboard: 1-972-766-6900 Travel Directions. Abilene 4002 E Loop 322 Abilene ...Prescription Drug Estimator & Pharmacy Finder. Use this tool to choose the right plan that covers your prescription drugs and pharmacy, estimate annual cost savings when you enroll, and find an in-network pharmacy near you. Get an.Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, TX 75082-4144. FEP Service 4002 Loop 322 Abilene, TX 79602. www.bcbstx.com . Claims/Customer Service. Blue Cross and Blue Shield of Texas P.O. Box 660044. Dallas, TX 75266-0044. Customer Service. 1-800-442-4607. Precertification. The Personal Health Manager provides you with online information, resources, and tools to help you maintain your healthplan. You can use it to: Learn more about the Personal Health Manager. Login to the Personal Health Manager through Blue Access® for Members. See how BlueEdge fits your budget by using the HealthPlan Cost Estimator Tool. Blue Access for Members SM is a powerful tool for managing your Blue Cross and Blue Shield of Texas health plan benefits. You can opt in to receive your mail digitally, find a doctor and review your coverage. The Health of America. Data driven insights, stories of inspired healthcare solutions and the interactive BCBS Health Index. Learn More. Nearly one in three Americans rely on Blue Cross Blue Shield companies for access to safe, quality, and affordable healthcare. BCBSTX Mobile App. Features: Find a doctor, hospital or urgent care facility. Access your claims, coverage and deductible information. Ability to view and email your ID. Available … About Us. Blue Cross and Blue Shield of Texas is a statewide, customer-owned health insurer. We believe Texas consumers and employers deserve the best of both worlds: access to affordable, quality health care and top-notch service from a company that focuses solely on customers, not shareholders. Customer value is our cornerstone. Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationAn HCA is an employer-funded spending account that engages and empowers employees – Employees decide how their health care dollars are spent. Charges for covered medical care services are paid from this account. Money spent from the HCA is also applied toward the annual deductible. Unspent funds roll over from year to year. Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ... Sales Questions and Additional Plan Information: 1-888-731-0406. Calls may or may not be answered inside the United States. Monday – Friday: 8 a.m. – 8 p.m. CT Producers. Providers. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding coverage and service. BCBSTX is the leader in individual and family health insurance plans in Texas. Dental Insurance. Under the Affordable Care Act (ACA), dental coverage is free for children 18 and younger and optional for all adults. These dental plans are offered by the government when you enroll during Open Enrollment or with a qualifying life event. You can also enroll with BCBSTX if you need dental coverage in addition to your current plan.Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationBCBSTX App: Blue Access Mobile ®. Our BCBSTX mobile app gives members easy access to the same information and tools as the online portal detailed above. In addition, the BCBSTX mobile app – available for iPhone and Android users – allows members to: Access a digital member ID card. Log in securely with Face ID (iOS only) and Fingerprint ID.BCBSTX Values LGBTQ Inclusion. BCBSTX stands by our core values of integrity, respect, commitment, caring and excellence. We work together with our LGBTQ employees to better understand the health care needs of our LGBTQ members. One of the many ways we support our LGBTQ employees and allies is through the Pride Alliance business …Blue Cross and Blue Shield of Texas (BCBSTX) has been serving individuals and families in Texas for 90 years. In collaboration with Sanitas Medical Centers, we are working together to bring you an easier way to access health care. At Sanitas Locations, BCBSTX Members Can Expect: One-on-one assistance to help you choose your health … Acceso a la cuenta | Blue Cross and Blue Shield of Texas. Pregunte. Solicite un folleto. Solicite un agente. Llámenos. Envíenos su pregunta para que un agente de seguros con licencia pueda comunicarse con usted. Nombre*. Apellido*. Teléfono*. Manuals. The BCBSTX Provider Manuals are reference tools for providers. These manuals provide detailed policies, procedures and requirements necessary for participation in the BCBSTX contracting provider networks. Learn more.Blue Cross and Blue Shield of Texas. ATTN: Complaints and Appeals Department. P.O. Box 660717. Dallas, TX 75266-0717. Call a Member Advocate for help filing an appeal at 1-877-375-9097 (TTY: 711) You must request an appeal by 60 days from the date your notice for denial of services was mailed. We will give you a decision on your appeal within ...When comparing Blue Cross and Blue Shield of Texas options, you might come across a few different plan types: HMO: A Health Maintenance Organization keeps costs low by working with your primary care doctor for any needs and specialty referrals. PPO: A Preferred Provider Organization lets you choose where you go for care without needing ...Forms and Helpful Resources. If you are already a member of the Blue Cross and Blue Shield of Texas (BCBSTX) family, discover all the ways you can take advantage of the special features that come with your health insurance plan. Register today for …BCBSTX Mobile App. Features: Find a doctor, hospital or urgent care facility. Access your claims, coverage and deductible information. Ability to view and email your ID. Available … Dental Insurance. Under the Affordable Care Act (ACA), dental coverage is free for children 18 and younger and optional for all adults. These dental plans are offered by the government when you enroll during Open Enrollment or with a qualifying life event. You can also enroll with BCBSTX if you need dental coverage in addition to your current plan. CDHP stands for Consumer Directed Health Plan. It's a type of health plan that gives you more control of your health care expenses. A CDHP most often pairs a Health Savings Account (HSA), or some other tax-advantaged account. An HSA is a savings account that lets you use pre-tax dollars to pay for a wide range of qualified …Search for specialized care local to Texas. Use the Find Care tool above or the BCBSTX mobile app to search for in-network doctors who specialize in your diagnosis. Ask your doctor for a recommendation or referral. Getting a referral from your primary care provider is important if you have an HMO plan and want to save money.Maintenance Notification: Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20. We apologize for any inconvenience. Company Information. Blue Cross and Blue Shield of Texas, a division of Health Care Service Corporation, a Mutual Legal Reserve Company, an independent licensee of the Blue Cross and Blue Shield Association. For more than 90 years, we have forged alliances with local nonprofit organizations to show our commitment to help build healthy communities. A Blue Cross and Blue Shield of Texas (BCBSTX) Medicare Supplement premium discount may be available. Read the eligibility criteria to see if you qualify. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your BCBSTX Medicare Supplement plan. Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ... Get a Quote/Browse and Buy Plans. Premium Tax Credit Estimator. Individual & Family Plans. Medicare Plans. Log in to Blue Access for Members. Register for Blue Access … Sales Questions and Additional Plan Information: 1-888-731-0406. Calls may or may not be answered inside the United States. Monday – Friday: 8 a.m. – 8 p.m. CT Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationBlue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationJun 14, 2021 · Our customer satisfaction ratings are consistently above 96 percent. Focus on the member's needs, not just the question, and consider it their job to answer the "unasked" questions that may ultimately provide better assistance for the member. Have a solid track record of achieving first call resolution of members' needs more than 90 percent of ... Obtenga más información sobre nuestro portal seguro para asegurados, realice el primer pago de su cobertura médica e inscríbase en el Pago automático de facturas. Pague su factura. Última actualización: 14 de marzo de 2024. Aproveche al máximo los servicios para asegurados de Blue Cross and Blue Shield of Texas (BCBSTX). Blue Cross and BlueShield of Texas contracts with ModivCare to provide NEMT to STAR members as a covered benefit through Texas Medicaid. Call 1-866-824-1565 between 8 a.m. and 5 p.m. Central Time, Monday through Friday, for more information about NEMT or to schedule a ride. Rides are available 24 hours a day, 7 days a week.You can get help with a mental health or substance use issue 24 hours a day, seven days a week. If you or your covered dependent are in a crisis situation, call (800) 252-8039 (TTY:711); the same number you call for medical and mental health benefits questions. The care management program also identifies participants that may benefit from extra ... Telemedicine and Telehealth medical services and procedures are covered under some Blue Cross and Blue Shield of Texas (BCBSTX) PPO and HMO health care plans. If your health plan covers these services, you may get medical care from an in-network doctor or provider by mobile app, online video or phone. It can be helpful to learn about these ... At Blue Cross and Blue Shield of Texas, we are committed to providing support to physician practices. We've designed useful tools for health care providers. Whether doing research or streamlining billing, these tools can help you evaluate costs, save time, improve service and more. Availity ® Attachments: Submit Recommended Clinical Review ...For government programs claims, if you do not have online access, you may call provider customer service to check claim status or make an adjustment. Blue Cross Medicare Advantage SM — 1-877-774-8592. Texas STAR, CHIP — 1 …Find health insurance plans for individuals, families, Medicare and Medicaid in Texas. Compare plans, prices, doctors and get a quote online or request a brochure or agent.A PPO plan lets you choose your doctors and providers without a referral, but with higher costs. Learn how to use your PPO network, get pre-authorization, and find in-network …Blue Cross Medicare Advantage plans offer all-in-one options that provide medical and prescription drug coverage. Combine what’s covered by Part A and Part B, with added benefits. They Provide: Medicare Part A (hospital insurance) coverage. Medicare Part B (medical insurance) coverage. Limits on your out-of-pocket costs.Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationBlue Cross and Blue Shield of Texas c/o 1095-B Form Request PO Box 660044 Dallas, TX 75266-0044 Once this form is received, your Form 1095-B will be mailed to your address on file within 30 days. Email Fill out the 1095-B Request Form, then attach the completed form to an email message. Please send this email 4 to [email protected]. Once ...Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationIn-Network Options. When receiving services from a lab, specialty pharmacy, or durable medical equipment (DME) provider, it's important to make sure that the provider is in your network. A laboratory must be in-network in the state your referring provider is located. A specialty pharmacy must be in-network in the state your ordering physician ...Find affordable health plans for individuals, families, Medicare and Medicaid recipients in Texas. Learn about COVID-19 coverage, online community, careers and corporate …Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, Texas 75082 General Information: (972) 766-6900 TDD: (800) 735-2989 (for the hearing-impaired) Customer Service Numbers; Group Products: For Customer Service please call the number on the back of your ID card, or call one of the following numbers:Medicaid is a state-run program that helps those in need get health insurance. It is meant for people with a low income or a disability. The state determines who qualifies for Medicaid based on federal guidelines. Once you qualify, you can pick a health plan. BCBSTX's Medicaid plans can help meet your health care needs.Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, TX 75082-4144. FEP Service 4002 Loop 322 Abilene, TX 79602. www.bcbstx.com . Claims/Customer Service. Blue Cross and Blue Shield of Texas P.O. Box 660044. Dallas, TX 75266-0044. Customer Service. 1-800-442-4607. Precertification.An HCA is an employer-funded spending account that engages and empowers employees – they decide how their health care dollars are spent. Charges for covered medical care services are first paid from this account. Money spent from the HCA is also applied toward the annual deductible. Unspent funds roll over from year to year.Blue Cross and Blue Shield of Texas Attn: Enterprise Credentialing P.O. Box 65067 Dallas, TX 75265-0267; Hospital Privileges Requirements. The requirements for hospital/clinical admitting privileges are determined by the professional provider's specialty/provider type.HealthSelect SM Secondary. For retirees and their eligible dependents enrolled in Medicare, visit HealthSelect MedicareRx for information about the HealthSelect Medicare Prescription Drug Program. For questions related to your prescription drug benefits, including diabetic supplies, call (866) 264-4676 (TTY: 711), 24 hours a day, seven days a week.The Blue Premier network includes more than 94 hospitals and 7,600 providers. By choosing Blue Premier Access, clients choose more than just a health plan. They're choosing health coverage provided by Blue Cross Blue Shield of Texas, one of the most widely recognized health insurance companies in the state.Register for Blue Access for Members SM (BAM SM) to access everything you need to stay informed about your health care. Register. Once you register, you’ll enjoy all the benefits: ... Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross ...Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ...
Search for specialized care local to Texas. Use the Find Care tool above or the BCBSTX mobile app to search for in-network doctors who specialize in your diagnosis. Ask your doctor for a recommendation or referral. Getting a referral from your primary care provider is important if you have an HMO plan and want to save money.. Cng connecticut
Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Texas (BCBSTX) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ... Maintenance Notification: Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20. We apologize for any inconvenience.Find a Doctor or Hospital. Know Your Network. Tips to Find a Doctor or Hospital. Find a Dentist. Utilization Management. Blue Distinction ® Specialty Care. Virtual Visits. Telemedicine and Telehealth Services. Sanitas Medical Center Collaboration. The Health of America. Data driven insights, stories of inspired healthcare solutions and the interactive BCBS Health Index. Learn More. Nearly one in three Americans rely on Blue Cross Blue Shield companies for access to safe, quality, and affordable healthcare. Texas STAR, CHIP — 1-877-560-8055. STAR Kids — 1-877-784-6802. For out-of-state Blue Cross and Blue Shield members, call BlueCard® Eligibility at 1-800-676-BLUE (2583) for eligibility and benefit verifications. Learn more about BlueCard. For Federal Employee Program (FEP) members, eligibility and benefits can be obtained by calling 1 … Producers. Providers. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding coverage and service. BCBSTX is the leader in individual and family health insurance plans in Texas. View claim status, print explanation of benefits (EOBs) and access health resources in Blue Access for Members.Blue Cross Blue Shield of Texas | 3,444 followers on LinkedIn. Blue Cross Blue Shield of Texas COVID-19 PHE Ends. We’re here to keep you informed about how the end of the COVID-19 public health emergency affects your benefit coverage. The Biden Administration ended the COVID-19 public health emergency on May 11, 2023. Some of your COVID-19 benefits have changed with the end of the public health emergency. Vaccines. Tests and Testing Sites. BCBSTX Mobile App. Features: Find a doctor, hospital or urgent care facility. Access your claims, coverage and deductible information. Ability to view and email your ID. Available … Producers. Providers. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding coverage and service. BCBSTX is the leader in individual and family health insurance plans in Texas. Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ... Blue Cross Blue Shield of Texas - Health Insurance Texas. Get a free instant rate quote and apply online today for Texas health insurance plans including individual and family health insurance, Medicare supplement, short term health insurance and health savings account (HSA) compatible plans at www.bcbstx.com. Blue Access for Members SM is a powerful tool for managing your Blue Cross and Blue Shield of Texas health plan benefits. You can opt in to receive your mail digitally, find a doctor and review your coverage. .