Email [email protected] or call 844-452-4085. Have any questions about your care or the BlueForMe program? Email [email protected] or call 844-730-2583. FB BFM 001 NF 062023. Connect with your Care Nurse with the BlueForMe app to help manage your health condition with no extra cost to you. Find Florida Blue: Blue Cross Blue Shield of Florida OB-GYNs & Providers with verified reviews. Make an appointment online instantly with OB-GYNs that accept Florida Blue: Blue Cross Blue Shield of Florida insurance. It's free! All appointment times are guaranteed by our Florida Blue: Blue Cross Blue Shield …Technology built with defense in mind is getting some significant and serious traction at the moment, spurred by world events, advances in technology and a growing appetite from en...Call us or book a video appointment! If your nearest Florida Blue Center isn't convenient or if you'd simply rather stay at home, we can still help! Call us to speak over the phone or to schedule a video appointment. Call us at (877) 352-5830.While State Farm is perhaps best known for homeowners insurance, it also offers supplemental health insurance, and you can buy Blue Cross Blue Shield individual medical coverage th...Blue Cross Blue Shield Association. / 41.8864516; -87.6239771. Blue Cross Blue Shield Association, also known as BCBS, BCBSA, or The Blues, is a United States -based federation with 34 independent and locally-operated BCBSA companies that provide health insurance in the United States to more than 115 million people as of 2022.The Blue Cross Blue Shield of Florida logo in vector format(svg) and transparent PNG. Ready to download.Prior Authorization information for medical and pharmacy services. As part of Florida Blue health coverage, we provide services to help save money by avoiding unnecessary costs. Ahead of some services, we ask physicians to consult with our medical and pharmacy teams to discuss and agree on the course of treatment. This helps members get the ...Different types of costs for a Medicare Part D plan: Deductible - The amount you pay before Original Medicare begins to pay its share of the cost. Copay - A flat dollar amount (for example, $10) you pay each time you fill a drug. Coinsurance - A percentage (for example, 10%) you pay for your prescription drugs.Check your coverage. You can log into your account through the secure My Health Toolkit website, or download the mobile app, to: View and share your digital ID card. Check the status of your claims. See what's covered …Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. ©2024 Blue Cross and Blue Shield of Florida, Inc.Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable ...Official Site of Anthem Blue Cross Blue Shield, a trusted health insurance plan provider. Shop plans for Medicare, Medical, Dental, Vision & Employers.Why Sell BlueDental. Choose a Florida dental plan for individuals or families. Our plans work with Florida Blue health insurance plans to complete your health coverage. …FL - Print a Drug Claim Form; MN - Print a Drug Claim Form; Drug Coverage Guidelines; Prescription Drug List; myHealth . Free Health Programs. ... ©2024, Blue Cross and …Jul 22, 2011 · The Blue365 Program* offers Blue Cross and Blue Shield of Florida members access to discounts and savings on products and services, such as gym memberships, weight loss programs, family care, financial planning, eye wear and care, Lasik surgery, hearing aids and more. cmpbox3 Find Medicare Eligible Plans for Individuals. Good Evening! Sign into your account for 24/7 access to check your benefits, find a doctor and more! User Name: Remember my User Name. Password: Forgot User Name or …BCBS recognizes doctors and hospitals for their expertise and exceptional quality in delivering care. Learn more about our Total Care and Blue Distinction® Specialty Care … Blue Cross and Blue Shield of Florida, Inc. is an Independent Licensee of the Blue Cross and Blue Shield Association. The information in My Health Toolkit® can help you understand your health plan benefits. It does not describe all the parts of the plan or guarantee payment, reimbursement or eligibility of coverage. Find a doctor, dentist, pharmacy, hospital, or other health care provider in your area with Florida Blue's online directory. You can search by name, specialty, location, plan type, and more. Compare providers and ratings, and get directions and contact information. Florida Blue is a leader in health care solutions for Floridians. Florida Blue offers a range of HMO and PPO plans to fit your budget and lifestyle. Compare plans, find a provider, earn rewards, and get help from a licensed agent.This information is being provided for general information purposes. Blue Cross and Blue Shield of Florida offers members pharmacy programs with our health plans. Find information on the plans we offer, prescription drugs and links to useful information and tools like our drug cost estimator tool. CWS SHP 025 072012. …31 Mar 2020 ... Florida Blue, Florida's Blue Cross and Blue Shield company, has been providing health insurance to residents of Florida for more than 75 years.HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Blue Cross and Blue Shield of Florida, Inc. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. The amount of benefits provided depends upon the plan selected and the premium may vary with the …Click here to log in to your member account. Click the down arrow next to your plan name in the upper right corner. Then click Tax Documents. You can also request a copy by: Emailing [email protected]. Sending your request in writing to Customer Service at 4800 Deerwood Campus Parkway, Jacksonville, FL 32246. Calling us at 800-352-2583.Dr. Boyer started practicing on the Eastside in 2009. He performs orthopedic diagnosis and treatments including surgery for shoulders, hips, thighs, knees, hands, wrists, elbows, feet, and ankles. Dr. Jason Boyer graduated from Brigham Young University Cum Laude with a Bachelor of Science degree in Human Biology.The NVIDIA Shield is a cool new device that lets you wirelessly play your existing PC games on a handheld device. Linus Tech Tips shows us how to make your own version with an Andr...Call the National Information Center at 1-800-411-BLUE (2583) weekdays from 8 a.m. to 8 p.m. Eastern time. Claim Forms. Download a claim form for medical services, pharmacy services or overseas care. ... You will be going to a new website, operated on behalf of the Blue Cross and Blue Shield Service Benefit Plan by a third party. The protection ...HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.I work with adults, children, couples, and families who have concerns of anxiety, depression, substance abuse, sexual dysfunction, and various other life changing concerns. My counseling style is ...25 Jun 2021 ... Florida Blue has been serving Floridians for 75 years. Get that same trusted service with Florida Blue's Medicare Advantage HMO plan.2344 Bee Ridge Rd #102, Sarasota, FL 34239, USA. Mon - Fri: 9:00 am-5:00 pm. Sat - Sun: Closed. Select. For sales events, the following information is provided: Florida Blue is a PPO, RPPO and Rx (PDP) Plan with a Medicare contract. Florida Blue Medicare is an HMO plan with a Medicare contract. Enrollment in Florida Blue or …Mount Carmel, FL. 4.69. 770 verified reviews. BlueCross BlueShield, Medicare. see more. John Griffin, MD, is an ABIM board-certified Internal Medicine Physician at Genesis in Westfield, New Jersey. Dr. Griffin delivers excellence in the care of Telehealth patients with a broad range of conditions, including sprains, UTI, coughs, colds, shingles ...Hearing loss is common, especially as we age. Hearing aids can make a real difference. As a Blue Cross and Blue Shield of Florida member, you have two options for hearing aid discounts: Beltone and TruHearing. With both programs, you can: Get a hearing screening. Get deep discounts on hearing aid devices. Return a device within 45 days, if it ...Covered Drugs. Your plan comes with a medication guide. It lists all the drugs your plan covers, plus any special rules you’ll need to follow with certain medications. Each plan has its own medication guide, so be sure the one you look at matches the plan you are shopping for or are already enrolled in. If you are already enrolled in … We make it easy to manage your Florida Blue benefits and stay on top of costs. Our friendly agents can help you understand your plan, enroll in rewards, compare costs, and more. With fitness classes, wellness programs, nurses, and more, Florida Blue Centers help our members navigate their health care and live healthier, happier lives. Lifetime Maximum. The maximum amount a health plan will pay for covered services during a member's lifetime. : $3 million. In this case, you are responsible for paying your $3,000 deductible first, then you'll pay 20% of the covered charges up to your $8,000 out-of-pocket maximum. Once you reach your maximum, you're done. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.Find Florida Blue: Blue Cross Blue Shield of Florida Physical Therapists & Providers with verified reviews. Make an appointment online instantly with Physical Therapists that accept Florida Blue: Blue Cross Blue Shield of Florida insurance. It's free! All appointment times are guaranteed by our Florida …Blue Cross and Blue Shield of Florida, Inc. is an Independent Licensee of the Blue Cross and Blue Shield Association. The information in My Health Toolkit® can help you understand your health plan benefits. It does not describe all the parts of the plan or guarantee payment, reimbursement or eligibility of coverage.Blue Cross And Blue Shield Of Florida. PO Box 1798 Jacksonville, FL 32231. Blue Cross Blue Shield of Florida. 1501 N Congress Ave Boynton Beach, FL 33426-8209. Florida Blue.Calling Blue Cross Blue Shield FEP Dental at 1-855-504-BLUE (2583), dial 711 for TTY relay services. Sending a letter to Blue Cross Blue Shield FEP Dental, P.O. Box 551, Minneapolis, MN 55440-0551. CloseBlue Cross & Blue Shield. Opens at 9:00 AM (813) 689-2583. Website. More. Directions Advertisement. ... Florida Blue offers affordable health insurance plans to individuals, families, and businesses. Explore our medical, dental, … Call us or book a video appointment! If your nearest Florida Blue Center isn't convenient or if you'd simply rather stay at home, we can still help! Call us to speak over the phone or to schedule a video appointment. Call us at (877) 352-5830. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. BCBS FEP Vision offers the coverage you want: Fully-covered, comprehensive vision care exams for all members. Access to over 144,000 independent providers and national retailers, including MyEyeDr., Walmart, America’s Best, Warby Parker, LensCrafters, Visionworks, Costco, Target Optical, Pearle Vision, Sam’s Club and more. An additional $50 ...HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.Android: Previously mentioned Hotspot Shield VPN has been available for iOS for a while, but now Android users can take advantage of the service's free VPN service on their phones ...HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.Technology built with defense in mind is getting some significant and serious traction at the moment, spurred by world events, advances in technology and a growing appetite from en...This information is being provided for general information purposes. Blue Cross and Blue Shield of Florida offers members pharmacy programs with our health plans. Find information on the plans we offer, prescription drugs and links to useful information and tools like our drug cost estimator tool. CWS SHP 025 072012. …Covered Drugs. Your plan comes with a medication guide. It lists all the drugs your plan covers, plus any special rules you’ll need to follow with certain medications. Each plan has its own medication guide, so be sure the one you look at matches the plan you are shopping for or are already enrolled in. If you are already enrolled in … HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. And you can pay for one month or set up autopay. Phone: Call 800-352-2583 and say “Pay my bill.”. Mail: Send us the payment stub from your bill along with a check, cashier’s check or money order for the total amount due. Use the address included on your invoice. In person: Choose the location depending on what type of payment method you ...Starting January 1, 2025, the PSHB Program will offer health insurance to USPS employees, retirees and eligible family members. The Office of Personnel Management (OPM) recently announced that the Blue Cross and Blue Shield Federal Employee Program (FEP) is a conditionally approved carrier. Learn More.3 days ago · Adult Psychiatric & Mental Health Nurse Practitioner. Spokane, WA. 4.44. 483 verified reviews. Aetna, BlueCross BlueShield, Cigna. see more. Aaron Padron is a Board Certified Psychiatric Mental Health Nurse Practitioner who is also Board Certified in Family Medicine; with over 15 years of combined healthcare experience. Generally, the pronouns "our," "we" and "us" used throughout this website are intended to refer collectively to Blue Cross and Blue Shield of Florida, Inc. and its subsidiaries and affiliates. However, where appropriate, the content may identify a particular company; there, any pronouns refer to that specific entity. Generally, the pronouns "our," "we" and "us" used throughout this website are intended to refer collectively to Blue Cross and Blue Shield of Florida, Inc. and its subsidiaries and affiliates. However, where appropriate, the content may identify a particular company; there, any pronouns refer to that specific entity. Important dates for 2022 Open Enrollment. November 1, 2021 – Open Enrollment begins. This is the first day to enroll or change your insurance plan. December 15, 2021 – Open Enrollment usually ends on this day, but for 2022 coverage, this is the last day to enroll or change plans for coverage that starts on January 1. BlueCross BlueShield of Tennessee is a Qualified Health Plan issuer in the Health Insurance Marketplace. 1 Cameron Hill Circle, Chattanooga TN 37402-0001. Learn more about BlueCross BlueShield of Tennessee (BCBST) health insurance and the medical, dental and vision plans we offer for employers, individuals and families.Jan 3, 2024 · Blue Cross Blue Shield: 5.0 rating, 1.7M+ providers, all metal tiers. Positive experiences, higher complaints, ACA premiums. Bronze plan: $458 avg. cost, $7,173 ... Blue Cross and Blue Shield of Florida, Inc. is an Independent Licensee of the Blue Cross and Blue Shield Association. The information in My Health Toolkit® can help you understand your health plan benefits. It does not describe all the parts of the plan or guarantee payment, reimbursement or eligibility of coverage. Lifetime Maximum. The maximum amount a health plan will pay for covered services during a member's lifetime. : $3 million. In this case, you are responsible for paying your $3,000 deductible first, then you'll pay 20% of the covered charges up to your $8,000 out-of-pocket maximum. Once you reach your maximum, you're done.Starting January 1, 2025, the PSHB Program will offer health insurance to USPS employees, retirees and eligible family members. The Office of Personnel Management (OPM) recently announced that the Blue Cross and Blue Shield Federal Employee Program (FEP) is a conditionally approved carrier. Learn More.Rele 1-800-352-2583 (TTY: 1-800-955-8770 ). Our rewards program will set you on the path to better health. Map your personal journey to better health and earn up to $500 toward your premium!Health coverage is offered by Blue Cross and Blue Shield of Florida, Inc. DBA Florida Blue. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, … HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Blue Cross and Blue Shield of Florida, Inc. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits ... Hearing loss is common, especially as we age. Hearing aids can make a real difference. As a Blue Cross and Blue Shield of Florida member, you have two options for hearing aid discounts: Beltone and TruHearing. With both programs, you can: Get a hearing screening. Get deep discounts on hearing aid devices. Return a device within 45 days, if it ...Mount Carmel, FL. 4.69. 770 verified reviews. BlueCross BlueShield, Medicare. see more. John Griffin, MD, is an ABIM board-certified Internal Medicine Physician at Genesis in Westfield, New Jersey. Dr. Griffin delivers excellence in the care of Telehealth patients with a broad range of conditions, including sprains, …29 Feb 2024 ... We all recognize that health care costs are continuously on the rise. It is estimated that $935 billion is wasted annually in the U.S. ...29 Feb 2024 ... We all recognize that health care costs are continuously on the rise. It is estimated that $935 billion is wasted annually in the U.S. ...I recently got on their medical insurance plan but its Blue Cross of Flordia. Will i have any issues using my FL insurance here in Georgia? Or ...Call the National Information Center at 1-800-411-BLUE (2583) weekdays from 8 a.m. to 8 p.m. Eastern time. Claim Forms. Download a claim form for medical services, pharmacy services or overseas care. ... You will be going to a new website, operated on behalf of the Blue Cross and Blue Shield Service Benefit Plan by a third party. The protection ...Examples of Blue Cross Blue Shield prefixes are AAU, MRT and XZA for members in California, Illinois and Minnesota, respectfully, according to The Health Exhibit. BCBS alpha prefix...Health Insurance Plans by Blue Cross and Blue Shield of Florida in Florida. Short Term Plans. Call now to get help signing up for plans from licensed insurance agents! (888) 323-1644. No obligation to enroll. Mon-Fri: 8am-11pm, Sat-Sun: 8am-11pm ET. Advertisement from our partner. TTY users 711. Blue Cross Blue Shield companies are independently owned and community-based healthcare insurers. BCBS is the largest health insurer in the US, covering 110 million members in 50 states ... While State Farm is perhaps best known for homeowners insurance, it also offers supplemental health insurance, and you can buy Blue Cross Blue Shield individual medical coverage th...Same Age Forever – Our Same Age Forever program locks in your rate at age 65 forever, and your premium will never go up due to age. Automatic Claims Filing – Present your Medicare card and Florida Blue Medicare Supplement ID to your hospital or doctor – we’ll handle the rest for you. 30 Day Money-back Guarantee – If you’re not ...Quadri has been involved with clinical trials at University Of South Florida, Texas Tech University, John Hopkins University, and University of Arizona." BlueCross and BlueShield (407) 801-716824 Jun 2019 ... Medicare Advantage, Medicare Supplement, how do you choose? Jose has worked hard, and now that he is retired he needs his healthcare to be ...63 mi from Boydton, VA. Psychotherapist. 880 Martin Luther King Jr Blvd, Chapel Hill, NC 27514. 3.67. 3 verified reviews. Aetna, BlueCross BlueShield. see more. About Celeste Ige I named my practice Conversations Therapy because I have always felt that the words “therapy” and “counseling” have a bad reputation.Welcome to the Blue Cross Blue Shield Association Job Center, where you can view our current job openings and apply for positions to join the team that supports the nation’s largest health care network, providing coverage to nearly one in three Americans. Current BCBSA employees: Please search opportunities and apply in … June is National Men’s Health Month. Talk to your doctor about screenings for high blood pressure, diabetes, body mass index and colorectal cancer. Learn more. COVID-19. Mobile App. Get Started. Use the online EyeMed Provider Locator to find a Vision Discount Program provider near you, or call 866-559-5252 . This is an added-value discount program. We offer it to BlueCross members in addition to, but not included in, the services and benefits that our policies cover. This page contains links to a third …Find Blue Cross Blue Shield Chiropractors & Providers with verified reviews. Make an appointment online instantly with Chiropractors that accept Blue Cross Blue Shield insurance. It's free! All appointment times are guaranteed by our Blue Cross Blue Shield Chiropractors & Providers.Same Age Forever – Our Same Age Forever program locks in your rate at age 65 forever, and your premium will never go up due to age. Automatic Claims Filing – Present your Medicare card and Florida Blue Medicare Supplement ID to your hospital or doctor – we’ll handle the rest for you. 30 Day Money-back Guarantee – If you’re not ...Oct 1, 2022 · 2344 Bee Ridge Rd #102, Sarasota, FL 34239, USA. Mon - Fri: 9:00 am-5:00 pm. Sat - Sun: Closed. Select. For sales events, the following information is provided: Florida Blue is a PPO, RPPO and Rx (PDP) Plan with a Medicare contract. Florida Blue Medicare is an HMO plan with a Medicare contract. Enrollment in Florida Blue or Florida Blue ...
HMO coverage is offered by Health Options, Inc., D/B/A Florida Blue HMO, an HMO subsidiary of Blue Cross and Blue Shield of Florida, Inc. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. The amount of benefits provided depends upon the plan selected and the premium may vary with the …. Motion federal
We Accept Blue Cross Blue Shield. At Florida Surgery Consultants we are in-network with Blue Cross Blue Shield. This means if you have any form of this insurance our doctors will be able to help you. Whether you are in need of a spine, knee, shoulder, brain, or hip consultation we will be able to bill your health insurance.Blue Cross Blue Shield Association. / 41.8864516; -87.6239771. Blue Cross Blue Shield Association, also known as BCBS, BCBSA, or The Blues, is a United States -based …BLUE CROSS BLUE SHIELD RESOURCES. The tools below are designed to help you find quality-based resources made available by Blue Cross and Blue Shield companies. If you have any questions or prefer one-on-one assistance locating the right treatment resource, please call the number on the back of your Blue Cross …25 Jun 2021 ... ... Florida Blue, Blue Cross and Blue Shield, retired, health insurance, medicare gov, what is medicare, part c. Florida Blue explains Medicare.I recently got on their medical insurance plan but its Blue Cross of Flordia. Will i have any issues using my FL insurance here in Georgia? Or ...Call us or book a video appointment! If your nearest Florida Blue Center isn't convenient or if you'd simply rather stay at home, we can still help! Call us to speak over the phone or to schedule a video appointment. Call us at (877) 352-5830.BlueCross BlueShield of Florida is an independent licensee of the Blue Cross Blue Shield Association. go2dental.com is an independent company that provides ...Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., an affiliate of Blue Cross and Blue Shield of Florida. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. ©2024 Blue Cross and Blue Shield of Florida, Inc. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association. HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Dental, Life and Disability are offered by Florida Combined Life Insurance Company, Inc., DBA Florida Combined Life. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.Blue Cross Blue Shield Association. / 41.8864516; -87.6239771. Blue Cross Blue Shield Association, also known as BCBS, BCBSA, or The Blues, is a United States -based …24 Jun 2019 ... Medicare Advantage, Medicare Supplement, how do you choose? Jose has worked hard, and now that he is retired he needs his healthcare to be ...Blue Cross Blue Shield: 5.0 rating, 1.7M+ providers, all metal tiers. Positive experiences, higher complaints, ACA premiums. Bronze plan: $458 avg. cost, $7,173 ...Blue Cross Blue Shield: 5.0 rating, 1.7M+ providers, all metal tiers. Positive experiences, higher complaints, ACA premiums. Bronze plan: $458 avg. cost, $7,173 ...SilverSneakers has partnered with fitness locations everywhere. Across the country, members have access to 15,000+ of participating locations as well as a large variety of digital products. SilverSneakers is a no-cost gym membership for eligible seniors with access to over 15K locations. Find out if your Blue Cross plan includes SilverSneakers! If you are a Florida Blue member, you can also obtain your current SBC anytime by logging into the Florida Blue Member Portal. Use the Search box below to search for an SBC by Group Number or Plan Number. If you are unable to locate your SBC, or wish to have an SBC sent to you free of charge, call 1-800-352-2583. For TTY/TDD call 1-800-955-8771. Generally, the pronouns "our," "we" and "us" used throughout this website are intended to refer collectively to Blue Cross and Blue Shield of Florida, Inc. and its subsidiaries and affiliates. However, where appropriate, the content may identify a particular company; there, any pronouns refer to that specific entity. ...About Us. Blue Cross and Blue Shield of Illinois is proud to be the state’s only statewide, customer-owned health insurer. We are also the largest provider of health benefits in Illinois, serving more than 8.9 million members in all 102 counties across the state. For more than 85 years, we’ve provided our members with comprehensive ....