Highmark medicare advantage dental

Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ...

Highmark medicare advantage dental. or out of the Highmark Medicare Advantage PPO Network--as long as the provider has not opted out of the Medicare program. If you get a health care service from a network provider, this is known as an “in-network” service. Eligible in-network services are covered in full except for small copayments or coinsurance for certain services.

The Highmark Medication Therapy Management (MTM) program is an integrated pharmacy experience that helps Medicare Advantage members with chronic conditions and high prescription costs better manage their medications. We'll help you make a plan. We want to identify potential gaps in care as early as possible.

Overall, 10% of Medicare Advantage enrollees in individual plans are required to pay a monthly premium to access any dental benefits, either preventive benefits only or more extensive benefits ...To search for doctors who accept the Humana Gold Plus Medicare Advantage insurance plan, use the search engine on the Humana.com website, reports Humana. Plan members can search us...Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross …To enroll in the following plans, you need to be entitled to Medicare Part A, enrolled in Medicare Part B, and live in one of the above listed counties. To contact us about Freedom Blue PPO, call 1-866-743-5478 (TTY users call 711), 8:00 a.m. to 8:00 p.m., seven days a week or . visit. medicare.highmark.com. H3916_20_5498_MHighmark Provider Manual. We have redesigned the Highmark Provider Manual to make it easier for you to view and find important information, policies, and procedures for all providers participating in our networks in Delaware, New York, Pennsylvania, and West Virginia. The Highmark Provider Manual is your primary reference guide to Highmark.ADVANTAGE PLUS. ELITE PRIME. Medicare Plans. For Medicare Advantage plans in New York, search the National Medicare Advantage Dental directory. NATIONAL …Jan 1, 2021 · To enroll in the following plans, you need to be entitled to Medicare Part A, enrolled in Medicare Part B, and live in one of the above listed counties. To contact us about Freedom Blue PPO, call 1-866-743-5478 (TTY users call 711), 8:00 a.m. to 8:00 p.m., seven days a week or . visit. medicare.highmark.com. H3916_20_5498_M Access to United Concordia's strong network of more than 96,000 dentists across 260,000 locations across the country. A 35% average discount on non-covered services. Offering dental insurance will benefit you and your employees. Our plans provide quality dental providers where your employees live and work.

Medicare is a federal health insurance program for people who are at least 65 years old. People under 65 who suffer from certain disabilities and illnesses, like end-stage renal failure, can also get Medicare. This insurance helps people pay for things like hospital stays, hospice care, and more. Highmark contracts with the federal government ...Medigap plans are designed to work with Medicare Parts A and B to help cover your share of Medicare covered services like copays, coinsurance, and deductibles. If you require additional vision, hearing, dental, and fitness benefits, you can add Whole Health Balance (optional) to your Medigap Blue Plan for an additional $34.50 per month.To enroll in a Highmark plan or learn more call. 1-844-614-0343 (TTY users call 711) 8 a.m. - 8 p.m. ET, Monday to Friday. 9 a.m. - 5 p.m. ET, Saturday. Or visit our Reservations site. Choosing a Medicare plan may seem like a lot, but we’ve broken down this process into 3 steps to help keep you focused on what’s important – your health.The annual open enrollment period for Medicare runs from Oct. 15 through Dec. 7, and millions of Americans age of 65 or older will sign up for the first time... Get top content in ...Mar 28, 2024 · Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ... Medicare Covered: $35 Copay IN; $35 Copay OON. Routine: $0 Copay IN; $35 Copay OON (1 Per Year). TruHearing Advanced: $699 Copay; TruHearing …

Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the … information about Community Blue Medicare PPO’s network providers in your area, you can visit medicare.highmark.com or call our Member Service Department at 1-888-757-2946 TTY users should call 711, seven days a week, 8 a.m. – 8 p.m. To access Community Blue Medicare PPO’s online provider directory, you can visit medicare.highmark.com. Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... As you approach retirement age, understanding your healthcare options becomes increasingly important. One option that you may have heard about is Medicare Part C, also known as Med... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... Meet with us. Make an appointment with a licensed insurance agent/producer in your area. Call UnitedHealthcare at 1-877-596-3258 / TTY 711, 8 a.m. to 8 p.m. 7 days a week. 1 Provider network may vary in local market. Dental …

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SilverSneakers is a fitness program and benefit in over 65 Medicare Advantage and Supplemental plans, such as AARP’s MedicareComplete through United Healthcare, and the AARP Medica...Highmark Medicare Advantage plans are highly rated but available in only four states: Delaware, New York, Pennsylvania and West Virginia. They offer a number of benefits, from Part B Premium …All Highmark Medicare Advantage members are automatically enrolled in the Highmark Wellness Rewards Program. You’ll be sent a Highmark Wellness Rewards Prepaid Mastercard® each time you check off a rewardable activity from your Personalized Wellness Plan to-dos. The amount on your card is based on the rewardable activities you’ve …Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ...

vision/dental coverage. You may go to any of our network providers listed in this directory. If you ... Before you pay any bills you receive from any provider either in or out of the Highmark Medicare Advantage Network, call the Customer Service Department for instructions, Monday through Sunday between 8:00 a.m. and 8:00 p.m. at 1-800-550-8722.Advantage , Advantage Plus , Advantage Plus 2.0 , Alliance , or Elite Plus. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits.To enroll in a Highmark plan or learn more call. 1-844-614-0343 (TTY users call 711) 8 a.m. - 8 p.m. ET, Monday to Friday. 9 a.m. - 5 p.m. ET, Saturday. Or visit our Reservations site. If you want more coverage than Original Medicare provides, you have two options. Either supplement with a Medigap plan or purchase a Medicare …Medigap plans are designed to work with Medicare Parts A and B to help cover your share of Medicare covered services like copays, coinsurance, and deductibles. If you require additional vision, hearing, dental, and fitness benefits, you can add Whole Health Balance (optional) to your Medigap Blue Plan for an additional $34.50 per month.The Calculators Helpful Guides Compare Rates Lender Reviews Calculators Helpful Guides Learn More Tax Software Reviews Calculators Helpful Guides Robo-Advisor Reviews Learn More Fi...Highmark's Provider Resource Center is your source for all provider-related information and updates. The PRC offers resources to assist in the treatment of your Highmark patients, such as prior authorization requirements, credentialing information, medical policies, pharmacy information, and much more.With this program, you can add vision, hearing, dental, and fitness benefits to your Medigap Blue Plan for an additional $34.50 per month! ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract.Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross …Jan 19, 2024 · View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on January 19, 2024. Enroll. Your oral health isn’t just important for maintaining your great smile; it’s also an essential element of maintaining your overall health. In your lifetime you may have a condition...Preventive dental services help you maintain good dental hygiene and can help prevent future problems. Your Highmark Wholecare D-SNP covers preventive dental services, like: 1 oral exam every six months. 1 cleaning every six months. X-rays, including panoramic and full mouth x-rays once every 5 years.

Dental coverage. Medicare Advantage plans cover basic dental care, such as exams, cleanings, and fillings. Some plans also cover more extensive procedures, including X …

Medicare Advantage plans come in a variety of types. ... Medigap vs Medicare Advantage; Dental Vision and More; Medicare Eligibility; Prescription Cost Assistance; ... Highmark Blue Cross Blue Shield is a Medicare Advantage HMO, PPO, and/or Part D plan with a Medicare contract. Medicare Advantage plans cover basic dental care, such as exams, cleanings, and fillings. ... Schedule a personal consultation with a Highmark Medicare advisor or ... Medicare Advantage plans come in a variety of types. To help make your choice a little easier, ... Please use Chrome or Edge or contact our Licensed Medicare Advisors @ 844-593-0265. close Language Assistance. Text Size. Contact Us . Text Size. Language Assistance. Contact Us . Home ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ... Medicare Advantage plans come in a variety of types — like HMO, PPO, and HMO-POS. And, depending on where you live, you may have to choose between them. To help make your choice a little easier, we’ll help you understand the differences and unique advantages of each. Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross …

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Highmark Medicare Advantage plans provide market leading medical benefits with multiple plans available that include $0 copays for PCP visits, labs, and generic prescription drugs. As Medicare consumers place a higher priority on dental benefits, Highmark has prioritized making dental care more affordable and more accessible …Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association …<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-W6JNPNW" height="0" width="0" style="display:none;visibility:hidden"></iframe>Oct 1, 2023 · Highmark Medicare Advantage plans provide market leading medical benefits with multiple plans available that include $0 copays for PCP visits, labs, and generic prescription drugs. As Medicare consumers place a higher priority on dental benefits, Highmark has prioritized making dental care more affordable and more accessible across their footprint. <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-W6JNPNW" height="0" width="0" style="display:none;visibility:hidden"></iframe>Dec 13, 2023 · Request for Redetermination of Medicare Prescription Drug Denial. Use this form to request a redetermination/appeal from a plan sponsor on a denied medication request or direct claim denial. Can be used by you, your appointed representative, or your doctor. May be called: CMS Redetermination Request Form. Access on CMS site. Free for anyone, call anytime for around-the-clock support. Highmark Wholecare Call Center. 1 (800) 392-1147 TTY 711. Highmark Wholecare offers Medicaid dental coverage for Pennsylvania residents. Learn about our coverage and find dentists or oral surgeons that accept Medicaid.Dental Benefit Guidelines. Each Highmark Wholecare D-SNP offers its own benefit levels for dental care each year and some covered services with $0 copay. Also, D-SNP plans have different benefits for detail care, such as: Remember to check your D-SNP …<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-W6JNPNW" height="0" width="0" style="display:none;visibility:hidden"></iframe>Highmark Fitness. Every Highmark Medicare Advantage member can take advantage of the great services provided by the SilverSneakers® program, including free access to fitness and wellness programs at over 13,000 locations across the country. These services are also available to Medigap members who are also enrolled in Whole Health … ….

Dec 19, 2023 · Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ... Many older adults who need to replace lost teeth consider dental implants over dentures or bridges. However, dental coverage with Medicare can be a confusing process to navigate. D...Highmark Medicare Advantage plans are highly rated but available in only four states: Delaware, New York, Pennsylvania and West Virginia. They offer a number of benefits, from Part B Premium Giveback to 24/7 support, but also have some drawbacks, such as small $0-premium plans and high out-of-pocket costs. Compare costs and benefits of different plans and providers with NerdWallet.Oct 1, 2022 · “This year, Highmark is enhancing our Medicare Advantage plans in Western New York to include dental benefits,” said Ellen Galardy, senior vice president of Highmark Medicare & ACA Markets. “All plans now include coverage for dental exams and x-rays, many at $0 copays, plus a comprehensive dental allowance for services like crowns and ... Highmark offers two types of Medicare Advantage plans, HMO and PPO, with different combinations of services and coverage. Dental coverage is available as an extra option for some plans. Plans are available in Pennsylvania, West Virginia, Delaware, and some counties in New York.Highmark Medicare Advantage plans are available in Delaware, Pennsylvania, and West Virginia. Coverage includes the services that original Medicare provides, plus some additional services, such as ...NATIONAL MEDICARE ADVANTAGE DENTAL. You will be leaving the Highmark website and entering the United Concordia website to view the provider directory. United Concordia provides the provider network for Blue Edge Dental and is a separate company that administers dental benefits. Call the number on the back of your member ID card for assistance.Your oral health isn’t just important for maintaining your great smile; it’s also an essential element of maintaining your overall health. In your lifetime you may have a condition...You pay per benefit period a: $0 copay each day for days 1-90. $0 copay each day for lifetime reserve days 91-150. Depending on the service provided,you You pay per benefit pay between period a: $0 $250 copay copay and each 20%coinsurance. day for days 1-6. $0 copay each day for days 7-90.Highmark Fitness. Every Highmark Medicare Advantage member can take advantage of the great services provided by the SilverSneakers® program, including free access to fitness and wellness programs at over 13,000 locations across the country. These services are also available to Medigap members who are also enrolled in Whole Health … Highmark medicare advantage dental, HIGHMARK MEDICARE ADVANTAGE MEDICAL POLICY - PENNSYLVANIA ... Guidelines Consultations Dental Diagnostic Medical Durable Medical Equipment ... mark of Highmark, Inc ..., Highmark Medicare Advantage plans are highly rated but available in only four states: Delaware, New York, Pennsylvania and West Virginia. They offer a number of benefits, from Part B Premium …, Mar 4, 2021 · Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and the combined Blue Plan ... , Freedom Blue PPO. Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that gives you coverage for every need - health, prescription drugs, routine dental, vision, hearing and preventive care. Freedom Blue PPO lets you choose where you receive your care, throughout the Freedom Blue PPO network and …, Premiums for Highmark Medicare Advantage plans in 2024 range from $0 to $174.70 per month. The premium rates for these plans are determined based on factors such as: The plan’s overall performance rating. The level of out-of-pocket costs for medical, prescription, and dental care. The presence or absence of co-payments, co-insurance ..., Highmark Medicare Advantage plans are private insurance policies that offer coverage for dental care, hearing aids, fitness programs, and other services. They have different types, costs, and benefits depending on the location and plan type. Learn more about Highmark plans and how to compare them with original Medicare., Blue Edge Dental plans are stand-alone plans and come in a wide range of coverage options ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, ... Highmark Health Insurance Company, Highmark Coverage Advantage Inc., Highmark Benefits Group Inc., First Priority Health, First Priority Life or …, Please call: 1-855-446-4771 Or The number on the back of your member ID card 8:00 AM - 8:00 PM 7 days/week TTY: Dial 711. We provide free accommodations for those with disabilities. TTY users call 1-800-452-8086 or dial 711. If you have a technical question about this website, please call 1-877-298-3918. Last updated on April 12, 2024., Aetna is a leading provider of Medicare Advantage plans, and they understand the importance of making it easy for their members to pay their premiums. AetnaMedicare.com offers seve..., information about Community Blue Medicare PPO’s network providers in your area, you can visit medicare.highmark.com or call our Member Service Department at 1-888-757-2946 TTY users should call 711, seven days a week, 8 a.m. – 8 p.m. To access Community Blue Medicare PPO’s online provider directory, you can visit medicare.highmark.com. , William Hilliard, DDS. 1.5 mi from Moses Lake, WA. Dentist. 1100 S Pioneer Way Moses Lake WA 98837. William Hilliard, DDS is a Dentist in Moses Lake, WA. Office locations. Kasey R. Coulson Family & Cosmetic Dentistry, Pllc. View profile. JC., The following Highmark Blue Cross Blue Shield or Highmark Blue Shield plans offer Medicare Advantage plus Prescription Drug plan coverage. Medicare Advantage plus Prescription Drug plans are an ..., Medicare Advantage plans come in a variety of types. ... Please use Chrome or Edge or contact our Licensed Medicare Advisors @ 844-593-0265. close Language Assistance. Text Size. Contact Us . Text Size. Language Assistance. Contact Us . Home ..., HIGHMARK MEDICARE ADVANTAGE MEDICAL POLICY - PENNSYLVANIA ... Guidelines Consultations Dental Diagnostic Medical Durable Medical Equipment ... mark of Highmark, Inc ..., Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of ... , “This year, Highmark is enhancing our Medicare Advantage plans in Western New York to include dental benefits,” said Ellen Galardy, senior vice president of Highmark Medicare & ACA Markets. “All plans now include coverage for dental exams and x-rays, many at $0 copays, plus a comprehensive dental allowance for services like crowns and …, Highmark Medicare Advantage plans are highly rated but available in only four states: Delaware, New York, Pennsylvania and West Virginia. They offer a number of benefits, from Part B Premium …, View Plans. Available 2024 Plans for ZIP in COUNTY County. (EDIT) warning To enroll in any of the plans, you must be eligible for Medicare and already enrolled in both Part A and Part B. Please wait while we find plans for your location... -. Y0037_23_2036_M. Last updated on March 12, 2024., 27. Tooth Number(s) or Letter(s) 28. Tooth Surface 29. Procedure Code 29a. Diag. Pointer 29b. Qty. 30. Description 31. Fee 25. Area of Oral Cavity 26. Tooth System 5732 (R8-13) Please submit claim to: Dental Claims P.O. Box 69444 Harrisburg, PA 17106-9444, Medicare Advantage plans come in a variety of types. To help make your choice a little easier, we’ll help you understand the differences & unique advantages of each., Blue Edge Dental Plans are stand-alone plans and come in a wide range of coverage options and price point for folks in Western New York. Medicare; ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., United Concordia Dental is a dental insurance company that helps you find a dentist near you. You can search by location, specialty, name or network and compare ratings, reviews and costs. Find a dentist that meets your needs and budget with United Concordia Dental., Subject. Reimbursement policies are intended to reflect Highmark's coding & reimbursement guidelines. Coverage for services may vary for individual members, based on the terms of the benefit contract. Highmark retains the right to review and update the reimbursement policy guidelines at its sole discretion. These guidelines are the …, Once enrolled, your dental coverage can be used for a wide variety of important services. 100% coverage on basics such as exams, cleanings, X-rays, ... Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract., As you approach retirement age, understanding your healthcare options becomes increasingly important. One option that you may have heard about is Medicare Part C, also known as Med..., Mar 28, 2024 · Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ... , Request for Redetermination of Medicare Prescription Drug Denial. Use this form to request a redetermination/appeal from a plan sponsor on a denied medication request or direct claim denial. Can be used by you, your appointed representative, or your doctor. May be called: CMS Redetermination Request Form. Access on CMS site., The annual open enrollment period for Medicare runs from Oct. 15 through Dec. 7, and millions of Americans age of 65 or older will sign up for the first time... Get top content in ..., William Hilliard, DDS. 1.5 mi from Moses Lake, WA. Dentist. 1100 S Pioneer Way Moses Lake WA 98837. William Hilliard, DDS is a Dentist in Moses Lake, WA. Office locations. Kasey R. Coulson Family & Cosmetic Dentistry, Pllc. View profile. JC., Highmark, Inc. Medicare Advantage Plans are comparable in their scope of coverage to other Medicare Advantage Plans, offering all the benefits of Original Medicare, along with coverage for additional health services.Medicare Advantage Plans, also called Medicare Part C, often include prescription drugs, vision, and dental …, Three summer mobile dental tours will crisscross Pennsylvania caring for more than 1,000 children, young adults and senior Pennsylvanians. PITTSBURGH (June 12, 2023) — Highmark Inc. and Highmark Wholecare are major sponsors of United Concordia Dental’s mobile dental tours providing free onsite dental services — including exams, cleanings and fluoride treatments — to underserved ..., All Highmark Medicare Advantage members are automatically enrolled in the Highmark Wellness Rewards Program. You’ll be sent a Highmark Wellness Rewards Prepaid Mastercard® each time you check off a rewardable activity from your Personalized Wellness Plan to-dos. The amount on your card is based on the rewardable activities …, Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield ...