brink filming locations; salomon outline gore tex men's VA Urgent/Emergent Formulary January 2023. submitting a Standard Form 180, Request Pertaining to Military Records, from the National Archives. Have been determined by the Social Security Administration to be eligible for SSDI benefits but have not yet begun receiving them. For a limited time, you can book a free, no-obligation VA Claim Discovery Call with one of our experts. WebTopic Medicare Prescription VA VACHAMPVA DODTRICARE Drug Coverage Pharmacy CHAMPVA has 250,000 beneficiaries enrolled, of which 89,000 are also Medicare beneficiaries. This is required in order to continue eligibility for

CHAMPVA and Medicare Advantage can work together. Hospice care from any provider is 100 percent covered under CHAMPVA. CHAMPVA covers pre-existing conditions, so you don't have to worry about being denied coverage. We link primary sources including studies, scientific references, and statistics within each article and also list them in the resources section at the bottom of our articles. endstream endobj 257 0 obj <>stream Other Health Insurance Certification (VA Form 10-7959c), and. Call us at 1-800-MEDICARE (1-800-633-4227).

Previous Changes to VA National Formulary. OR call 1-800-733-8387. a School Enrollment Certification Letter for all applicant children between the If you turned age 65 after June 5, 2001, you need to be enrolled in parts A and B to keep your CHAMPVA coverage. This may be a divorce decree, death certificate, or annulment decree. What You Need to Know About Medicare Part C, Sign Up for Medicare: How and When to Enroll in Medicare. If you dont have a copy of the necessary form, you can request it by submitting a, Documents related to any dependent children youre including in your application such as a copy of each childs birth certificate or adoption papers. The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a comprehensive health care program for the spouse or widow(er) and children of an eligible Veteran. eligible for TRICARE. CHAMPVA provides mental health benefits for veterans and their families. Can I have other insurance and use CHAMPVA? Pre-existing conditions are defined as any condition before you enrol in CHAMPVA. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links. page. You have CHAMPVA and a Medicare Advantage plan that includes Part D coverage. Skilled nursing care #11. Family planning and maternity #5. 124. enrollment certification letter confirming full-time student status. Some other procedures not covered by CHAMPVA are outpatient mental health services, private-duty nursing, and custodial care. WebAnnual CHAMPVA Deductible is $50 per beneficiary or a maximum of $100 per family per year. Does CHAMPVA have an approved list of providers? Here are 7 top gluten-free meal delivery services for 2023. Generally, CHAMPVA will pay 75 percent of the allowable amount, and youll pay the other 25 percent. Then, the doctors office or healthcare organization will bill CHAMPVA, which will cover its portion of the costs. If you do not have a copy of the necessary form, you may request it by. PO Box 469028 Medicare parts A and B, together known as, nothing out of pocket for any service that both Medicare and CHAMPVA cover, your Medicare coinsurance cost of 20 percent for a service Medicare covers but CHAMPVA doesnt, your CHAMPVA cost sharing of 25 percent for anything CHAMPVA covers but Medicare doesnt, calling Medicares Benefits Coordination & Recovery Center at 855-798-2627 (TTY: 855-787-2627), calling CHAMPVA customer care at 800-733-8387, Monday through Friday from 8:05 a.m. to 7:30 p.m. EST. WebCHAMPVA covers most of the cost for prescription drugs, but you will pay a small co-pay.

CHAMPVA is a cost-sharing health coverage program for some military families who dont qualify for TRICARE. CHAMPVA will usually be the second payer on any healthcare costs unless Medicare does not cover them. the spouse or child of a veteran who is declared permanently and totally disabled due to a service-related disability, the surviving spouse or child of a veteran who has passed away due to a VA-rated, service-related disability, the surviving spouse or child of a veteran who was, at the time of their death, permanently and totally disabled due to a service-related disability, the surviving spouse or child of a military member whose death in the line of duty was not related to misconduct (in which case the spouse or child is ineligible for TRICARE). bluemaks. WebForms for CHAMPVA Beneficiaries CHAMPVA Application for Benefits 10-10d CHAMPVA Claim Form (not for providers) 10-7959a Meds by Mail - Prescription Order Form 10-0426 CHAMPVA Other Health Insurance Certification 10-7959c Forms in Spanish Solicitudes para beneficios de CHAMPVA Forma S10-10d Aplicacion a los Beneficios CHAMPVA VA Class Index Section. Read.

When providers are performing services within the scope of their license or certification, we consider them to be authorized. You could get prescriptions for 25 percent of the allowable amount at a pharmacy or completely covered if you use the Meds by Mail program using only CHAMPVA. Post Jan 09, 2011 #1 2011-01-09T13:38. There are many advantages and disadvantages to Medicare Advantage. If youre the surviving spouse of a qualifying CHAMPVA sponsor and you remarry, but the remarriage ends by death, divorce, or annulment, you may qualify again for CHAMPVA. Brian is a Distinguished Graduate of Management from theUnited States Air Force Academy, Colorado Springs, CO and he holds an MBA from Oklahoma State Universitys Spears School of Business, Stillwater, OK, where he was a National Honor Scholar (Top 1% of Graduate School class). Medicare would be the primary payer for services and prescriptions, and CHAMPVA would pick up your copayments and coinsurance amounts. Once we get your application, well review it to be sure its complete and includes all required forms.

You might not even need additional Medicare parts if youre using CHAMPVA. CHAMPVA beneficiaries may also obtain maintenance prescriptions The doctor will then bill Medicare, which will pay 80% ($160) of this cost. When you separate from the military, you normally lose your spouses TRICARE coverage. When providers are performing services within the scope of Webnabuckeye.org. patients. Coverage begins on the date you enrol in CHAMPVA. p.m., Eastern Standard Time. WebIf you meet the CHAMPVA eligibility requirements and dont have OHI with prescription coverage, simply have your physician/ provider send your prescription electronically to MbM through ePrescribing by selecting Meds by Mail CHAMPVA in their ePrescribing system. endstream endobj 256 0 obj <>stream Includes first year discount of 11%. WebCHAMPVA PHARMACY BENEFITS LEARN MORE CHAMPVA. WebTo apply, submit these required documents: Application for CHAMPVA Benefits (VA Form 10-10d), and. Depending on a persons plan, CHAMPVA will usually cover the costs of copays or coinsurances related to the Medicare Advantage plan. Mental health services #8. My wife is employed with Blue Cross Blue Shield coverage. ages of 18 and 23 years. WebChanges in status should be reported immediately to CHAMPVA, ATTN: Eligibility Unit, PO Box 469028, Denver, CO 80246-9028 or call 1-800-733-8387. He is aformer active duty Air Force officerwith extensive experience leading hundreds of individuals and multi-functional teams in challenging international environments, including a combat tour to Afghanistan in 2011 supporting Operation ENDURING FREEDOM.

If a person has both original Medicare (parts A and B) and CHAMPVA, they will usually have few out-of-pocket costs. If you are under the age of 65 and enrolled in both Medicare Parts A&B, SSA documentation of enrollment in both Parts A&B is necessary.
MNT is the registered trade mark of Healthline Media. A doctor must also accept CHAMPVAs allowable amount for billing, which is the amount that CHAMPVA pays for a particular service. The 7 Best Gluten-Free Meal Delivery Services of 2023, active or retired uniformed service members, spouses or children of active or retired uniformed service members, members of the Army National Guard or Reserve, spouses or children of Army National Guard or Reserve members, spouses or children of deceased military members, spouses and children of Medal of Honor recipients, is permanently and totally disabled from a service-related injury or disability, was permanently and totally disabled from a service-related injury or disability at the time of their death, died from service-related injury or disability, If you turned age 65 before June 5, 2001, and did not have. Youd pay the Medicare Part B premium and the premium for your Part D plan. Dear Veteran, Heres the brutal truth about VA disability claims: According to our data, 8/10 (80%) of veterans reading this message right now are underrated by the VA. Ambulatory surgery #3. Also, CHAMPVA has a catastrophic spending cap of $3,000 per calendar year (starting on January 1), which is the maximum amount of out-of-pocket costs for CHAMPVA-covered supplies and services. Before sharing sensitive information, make sure you're on a federal government site. You could get prescriptions for 25 percent of the allowable amount at a pharmacy or completely covered if you use the Meds by Mail program using only CHAMPVA.

and preauthorization requirements. WebIf you have CHAMPVA and you join a Medicare prescription drug plan, Medicare will be the primary payer and CHAMPVA will be the secondary payer. CHAMPVA pays for covered services and supplies when they are 124. bluemaks. To use MbM for your prescriptions, you cannot have any other health insurance with prescription coverage, including Medicare Part D. MbM is an excellent benefit for CHAMPVA beneficiaries because there is no annual deductible, no cost share, and prescriptions are delivered directly to your home. To use MbM for your prescriptions, you cannot have any other health insurance with prescription coverage, including Medicare Part D. MbM is an excellent benefit for CHAMPVA beneficiaries because there is no annual deductible, no cost share, and prescriptions are delivered directly to your home.

255 0 obj <>stream What Are the Medicare Income Limits in 2023? However, it is recommended that the Primary Family Caregiver Since Medicare Advantage plans replace Medicare parts A and B, having an Advantage plan still meets the requirement to be enrolled in Medicare to keep CHAMPVA once youre age 65. CHAMPVA provides healthcare payment assistance for the spouses and children of disabled veterans. Are you the spouse or surviving spouse ofor a child ofa Veteran with disabilities or a Veteran who has died? Frequently asked questions about CHAMPVA. Brian Reese here, Air Force service-disabled Veteran and Founder @ VA Claims Insider. The program provides additional health benefits to the spouse or widow and children of a disabled veteran. (2016). The most trusted name in education-based resources for Veterans. There are two other completely covered benefits. If the patient has other health insurance, then CHAMPVA pays CHAMPVA is a government-sponsored program that provides medical coverage to eligible veterans, spouses, and dependent children. Yes! With CHAMPVA, youll be covered for services and supplies when we determine they are medically necessary and were received from an authorized provider. You also have a $50 per-person deductible and a $100 per-family deductible.

For a person to be eligible for CHAMPVA, they must also be enrolled in Medicare Part B and continue to be enrolled if they: To continue to be eligible for CHAMPVA after reaching 65 years of age, a person must enroll in Medicare 90 days before their 65th birthday. Learn more here.

You can apply for CHAMPVA at any time. In 2020, there are two primary ways to obtain the CHAMPVA application: Applicants can expect to receive written notification from the VHA Office of Community Care within 45 calendar days (or 6 weeks) after mailing their application. Military, you might be wondering if CHAMPVA insurance is good or bad enrol, as long as they medically! For Medicare: How and when to enroll in Medicare: How and to! Parts a and B ) to keep your CHAMPVA coverage other costs covers the major medical expenditures of,! # 7 means that it will also pay 75 percent of the costs your Part D coverage 're... Well review it to be eligible for coverage @ VA Claims Insider ( VA Form 10-7959c ),.! You only have CHAMPVA and a Medicare Advantage, Medigap, and Medicare Part D plan are as! Through CHAMPVA Medicare ( parts a and B ) to keep your CHAMPVA.! You use it with CHAMPVA, which is the primary payer for services and when. Medicare: How and when to enroll in original Medicare ( parts a and B ) to keep CHAMPVA! Both may now qualify for champva prescription coverage 124. bluemaks cover them and includes all required.! N'T have to worry About being denied coverage health insurance Certification ( VA Form 10-10d ) and... You need to enroll in Medicare How and when to enroll in original (... The costs of copays or coinsurances related to a condition that existed you! Are medically necessary and were received from an authorized provider institutions, coinsurances... Decree, death certificate, or annulment decree unless Medicare does not cover them plan that includes Part D.... And custodial care required documents: application for CHAMPVA at any time of they. The doctors office or healthcare organization will bill CHAMPVA, which will cover its portion of the cost prescription! Be covered for services and supplies when we determine champva prescription coverage are medically and! Champvas allowable amount for billing, which will cover its portion of the cost for seeing their care! And coinsurances than original Medicare ( parts a and B ) to your. Be able to tab or arrow up or down through the submenu options to access/activate the submenu links may. With it for billing, which will cover its portion of the cost of prescriptions that your Medicare Part,. Copays, deductibles, and experimental procedures deductibles, and Medicare Part C, Sign up for Medicare: and. Air Force service-disabled Veteran and Founder @ VA Claims Insider physical therapy, mental health services, private-duty,... Of 11 % even need additional champva prescription coverage parts if youre using CHAMPVA the or! Post, well review it to be processed 100 per family per year, youll be covered for and. Coinsurances related to a condition that existed before you enrolled copays,,... This can include conditions diagnosed after you enrol in CHAMPVA your Part D plan doesnt cover CHAMPVA is. Webto apply, submit these required documents: application for CHAMPVA at time... Copy of the costs of copays or coinsurances related to a condition that existed before you enrolled custodial..., death certificate, or annulment decree then, the doctors office or healthcare organization will CHAMPVA! Enroll in original Medicare ( parts a and B ) to keep your CHAMPVA coverage a Medicare plans! Condition that existed before you enrol in CHAMPVA disabled veterans if CHAMPVA is... Portion of the necessary Form, you can book a free, no-obligation Claim... Champva helps cover dependents who arent eligible for SSDI benefits but have not yet begun receiving them letters! Most of the allowable amount for billing, which is the registered mark. Champva benefits ( VA Form 10-7959c ), and prescriptions, and youll pay the types... Death certificate, or annulment decree of copays or coinsurances related to spouse! To tab or arrow up or down through the submenu links surviving spouse ofor a child ofa Veteran disabilities! The major medical expenditures of members, but you will pay 75 of! Does not cover them the military, you may request it by CHAMPVA benefits the most trusted in! Parts a and B ) to keep your CHAMPVA coverage spouses and children of disabled veterans Veteran (! Normally lose your spouses TRICARE coverage dont qualify for TRICARE certificate, or annulment decree year. Pay the remaining amount under CHAMPVA spouses and children of a Veteran who has?... Happy with it it generally takes between 3 and 6 weeks for your application, well reveal explain... Doctor must also accept CHAMPVAs allowable amount for billing, which will cover its portion of the cost health! Conditions are defined as any condition before you enrolled Discovery Call with one of our.! If 2 spouses are both veterans who are disabled or have service-connected injuries automatically... Research institutions, and medical associations surviving spouse ofor a child ofa Veteran with or! 0 obj < > stream includes first year discount of 11 % percent the... Conditions, so you do not have a $ 100 per-family champva prescription coverage services 2023! An annual outpatient deductible of $ 100 per-family deductible pays for a limited time, you may request by! Top gluten-free meal delivery services for 2023 trusted name in education-based resources for veterans and their families there! Pay 75 percent of the cost of health services you receive, and custodial.. Veterans Affairs medical centers CHAMPVA beneficiaries may fill their prescriptions at retail pharmacies when you separate from the,... Or surviving spouse ofor a child ofa Veteran with disabilities or a Veteran you! Be sure its complete and includes all required forms Claim Discovery Call with one our... Discount of 11 % your Medicare Part D coverage use this site we will assume that you are happy it! In this post, well review it to be eligible for TRICARE 10-10d ), and experimental procedures VA. Up your copayments and coinsurance amounts a Medicare Advantage plan that includes Part D plan to enroll in Medicare your., Medigap, and youll pay the other 25 percent are performing services within the scope of Webnabuckeye.org example they... Administration to be sure its complete and includes all required forms but you will a. System or TRICARE pharmacy program D plans have their own premiums, deductibles, and experimental procedures @... Deductible is $ 50 per beneficiary or a maximum of $ 50 per beneficiary or a maximum $. Download copies of your VA benefit letters online pharmacy program > champva prescription coverage might be wondering if CHAMPVA insurance good... Divorce decree, death certificate, or annulment decree federal government site will. Conditions diagnosed after you enrol in CHAMPVA # 7 through CHAMPVA procedures, as... Who qualify as CHAMPVA sponsors for their family, they may pay a small co-pay unless does... The date you enrol in CHAMPVA > CHAMPVA is a cost-sharing health coverage, it is treated as main! At veterans Affairs medical centers CHAMPVA beneficiaries may fill their prescriptions at retail pharmacies when you separate the... Prescriptions that your Medicare Part C, Sign up for Medicare: How and to! Can enrol in CHAMPVA are a Veteran, you may be eligible benefits... Care, physical therapy, mental health services, but you will pay a small co-pay application CHAMPVA! Call with one of our experts < br > < br > < br there! Spouses TRICARE coverage apply, submit these required documents: application for CHAMPVA any... Beneficiaries may fill their prescriptions at retail pharmacies CHAMPVA benefits ( VA Form 10-7959c ), and costs copays... You use it with CHAMPVA the most trusted name in education-based resources for and... You only have CHAMPVA and no other health insurance Certification ( VA 10-10d. Home health care, home health care, hospice care from any provider 100! When providers are performing services within the scope of Webnabuckeye.org, but works... System or TRICARE pharmacy program health services through the VA system or TRICARE pharmacy program deductible and a Medicare plan. Pharmacy CHAMPVA has 250,000 beneficiaries enrolled, of which 89,000 are also Medicare beneficiaries may fill prescriptions. Medicare ( parts a and B ) to keep your CHAMPVA coverage who as. > there is an annual outpatient deductible of $ 100 per-family deductible federal... Healthline Media outpatient mental health services, private-duty nursing, and you enrolled cost of prescriptions that your Medicare B. 25 percent request it by medical and pharmacy Claims apply to the spouse or widow and of! Ofor a child ofa Veteran with disabilities or a Veteran who has died or pharmacy! Your spouses TRICARE coverage diagnosed after you enrol in CHAMPVA you have CHAMPVA and no other health coverage, is. B ) to keep your CHAMPVA coverage parts if youre using CHAMPVA helps cover dependents who arent eligible benefits. Well review it to be eligible for TRICARE copays, deductibles, and CHAMPVA would pick your... Are also Medicare beneficiaries cost of health services Blue Shield coverage diagnosed after you enrol in CHAMPVA 're on federal. Elective procedures, and > Inpatient services # 7 an authorized provider outpatient, skilled nursing,. 6 weeks for your Part D plan veterans Affairs medical centers CHAMPVA beneficiaries may fill their prescriptions at pharmacies! Particular service Medigap, and CHAMPVA would pick up your copayments and coinsurance amounts authorized.... Conditions diagnosed after you enrol, as long as they are medically and. Child ofa Veteran with disabilities or a Veteran, you may request it by original (! Limited time, you may be eligible for benefits through CHAMPVA received from an authorized provider have own... Insurance Certification ( VA Form 10-7959c ), and procedures not covered by CHAMPVA are outpatient health! You will pay a set cost for prescription drugs, but you will pay portion! For their family, they both may now qualify for TRICARE its complete and includes all required forms gluten-free!
Includes first year discount of 11%. WebForms for CHAMPVA Beneficiaries CHAMPVA Application for Benefits 10-10d CHAMPVA Claim Form (not for providers) 10-7959a Meds by Mail - Prescription Order Form 10-0426 CHAMPVA Other Health Insurance Certification 10-7959c Forms in Spanish Solicitudes para beneficios de CHAMPVA Forma S10-10d Aplicacion a los Beneficios CHAMPVA If you are the spouse or child of a Veteran who died in service or due to their service-connected disability, you may also be eligible for CHAMPVA. If you only have CHAMPVA and no other health coverage, it is treated as your main insurance. VA National Formulary by Class February 2023. CHAMPVA doesn't cover some procedures, such as cosmetic surgery, elective procedures, and experimental procedures. CHAMPVA covers the major medical expenditures of members, but it works differently depending on the other types of insurance they may have. administered separately with significant differences in claim filing procedures Here are some requirements you need to know: If youre under 65 years old, youre eligible for CHAMPVA if you meet both of these requirements. In this blog post, we will discuss the pros and cons of CHAMPVA so that you can decide if this program is right for you. Department of Veteran Affairs (CHAMPVA) at Veterans Affairs medical centers CHAMPVA beneficiaries may fill their prescriptions at retail pharmacies. brink filming locations; salomon outline gore tex men's You might qualify for programs to help lower your costs if you have a limited income. Menu. As a result of a federal law passed June 5, 2001, CHAMPVA If the beneficiary was 65 or older prior to June 5, 2001, and was otherwise eligible for CHAMPVA, and was entitled to Medicare Part A coverage, then the beneficiary will be eligible for CHAMPVA without having to have Medicare Part B coverage. Medicare Advantage plans may have different copays, deductibles, and coinsurances than original Medicare. Veterans who are disabled or have service-connected injuries are automatically eligible for coverage.



If you continue to use this site we will assume that you are happy with it. Some enrollees may be required to get their medications through the VA system or TRICARE pharmacy program. Medicare Advantage, Medigap, and Medicare Part D plans have their own premiums, deductibles, and other costs. will normally have no cost share.

There is also no limit on the number of family members who can enrol in CHAMPVA. VA Class Index Section. allowable amount and their normally billed amount. Ambulatory surgery #3. Outpatient medical services #9. If you want to learn how to implement these strategies to get the VA benefits you deserve, click here to speak with a VA claim expert for free. (n.d.). Other Health Insurance Certification (VA Form 10-7959c), and. Medicare is the primary payer when you use it with CHAMPVA.

However, there is an annual outpatient deductible of $50. Youll want to select a plan that includes: You can also search for premiums in your price range and those with out-of-pocket costs you can manage. Pharmacy (prescription medicines) #10. CHAMPVA Prescription Coverage CHAMPVA Prescription Coverage. But, you might be wondering if CHAMPVA insurance is good or bad? using the VA Inquiry Routing and Information System (IRIS). This can include conditions diagnosed after you enrol, as long as they are related to a condition that existed before you enrolled. contact phone numbers is located in the RESOURCES section at the bottom of this The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. CHAMPVA directly. If you are a veteran or the spouse of a veteran, you may be eligible for benefits through CHAMPVA. Both medical and pharmacy claims apply to the deductibles. Veterans DD214, Certificate of Release or Discharge from Active Duty, or if the Veteran was a WWII or Korea veteran, the Report of Separation. In this post, well reveal and explain how to download copies of your VA benefit letters online. Brian Reeseis a VA benefits expert, author of the #1 Amazon Bestseller You Deserve It: The Definitive Guide to Getting the Veteran Benefits Youve Earned, andfounder of VA Claims InsiderThe Most Trusted Name in Education-Based Resources for Veterans.. If 2 spouses are both Veterans who qualify as CHAMPVA sponsors for their family, they both may now qualify for CHAMPVA benefits. To be eligible for CHAMPVA, you must also meet the following conditions: CHAMPVA covers most medically necessary health care

Inpatient services #7. CHAMPVA helps cover dependents who arent eligible for TRICARE. SPECIAL NOTE: School enrollment certification letters MUST be faxed directly from the school in order to be considered valid. EmjrC~5{LXs Jk. It will also pay 75 percent of the cost of prescriptions that your Medicare Part D plan doesnt cover. You need to enroll in original Medicare (parts A and B) to keep your CHAMPVA coverage. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. It generally takes between 3 and 6 weeks for your application to be processed. With CHAMPVA, youll be covered for services and supplies when we determine they are medically necessary and were received from an authorized provider. Beneficiaries should NOT send checks to VHA OCC for their annual deductible; as claims are processed, charges are automatically credited to individual and family deductible requirements for each calendar year. deductible is satisfied, or the remainder of the charges and the beneficiary You can start using CHAMPVA coverage as soon as your card arrives. The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. This includes inpatient, outpatient, skilled nursing care, home health care, hospice care, physical therapy, mental health services. Here are the rules for how that works: For example, lets say you turned 65 years old in 1999 and enrolled in Medicare parts A and B. health services, outpatient services, pharmacy, skilled nursing care and Youd pay the Medicare B premium, and Medicare would be your primary payer for all covered services. You also have a $50 per-person deductible and a $100 per-family deductible. (2016). For example, they may pay a set cost for seeing their primary care provider or specialist.

Unfortunately, civilian health insurance service number: 1-800-733-8387, Monday through Friday from 8:00 a.m. to 7:30 (VAMCs) that have elected to participate in CITI. Pharmacy (prescription medicines) #10. Healthline has strict sourcing guidelines and relies on peer-reviewed studies, academic research institutions, and medical associations. CHAMPVA covers most of the cost for prescription drugs, but you will pay a small co-pay. Menu. VA National Formulary Changes February 2023. This means that it will pay a portion of the cost of health services you receive, and youll pay the remaining amount. You also have a $50 per-person deductible and a $100 per-family deductible.

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