Attention Provider Types 12 (Hospital, Outpatient) and 43 (Laboratory, Pathology Clinical): Rate Change for COVID-19 Testing Codes U0003 and U0004. What member cost-shares will be waived by Anthems affiliated health plans for virtual care through internet video + audio or telephonic-only care? Check your COVID-19 benefits by using the Sydney Health or Engage Wellbeing mobile app, logging into anthem.com/ca, or calling the Member Services number on your ID card. Cost sharing will be waived for members using Anthems telemedicine service, LiveHealth Online, as well as care received from other providers delivering virtual care through internet video + audio services. The Blue Cross Blue Shield Association is an association of independent, locally operated Blue Cross and Blue Shield companies. Washing your hands is the best way to avoid getting sick: Wash often with soap and water for at least 20 seconds. Administrative. In Indiana: Anthem Insurance Companies, Inc. We partnered with findhelp, a social care network that connects you with local help. Schedule a COVID-19 test with your doctor. As there is a heightened awareness of COVID-19 and more cases are being diagnosed in the United States, LiveHealth Online is increasing physician availability and stands ready to have physicians available to see the increase in patients, while maintaining reasonable wait times. FEP will now reimburse up to 8 over-the-counter COVID-19 tests per member on a contract per calendar month. Select Blue Cross Blue Shield Globalor GeoBlue if you have international coverage and need to find care outside the United States. We encourage our self-funded customers to participate, and these plans will have an opportunity to opt in. For out-of-network providers, Anthem waived cost shares from March 17, 2020, through June 14, 2020. Please log in and update your communication preferences to make sure you receive the latest information. What codes would be appropriate for COVID-19 lab testing? Claims for COVID-19 diagnostic testing procedure code 87426 (Infectious agent antigen detection by immunoassay technique) are not required to be billed with procedure code 87301. Anthem looks for the CS modifier to identify visits and services leading to COVID-19 testing. Download the Sydney Health app. If you have employer coverage, or an individual or family plan, you can get over-the-counter COVID-19 tests for diagnosing COVID-19 through your BCBSIL/Prime Therapeutics pharmacy benefits. Do a video or phone visit with a doctor or therapist from home. What financial assistance is available for care providers during the COVID-19 crisis? Are you aware of any limitations in coverage for treatment of an illness/virus/disease that is part of a pandemic? Every home in the U.S. can order four at-home COVID-19 tests at no cost. Anthem will process the claim as if there is no member cost sharing, as it does, for example, with preventive health services. FEP knows many of you have serious concerns and questions regarding COVID-19 (coronavirus), especially as it continues to significantly impact our daily lives. Anthems affiliated health plans will waive cost shares for our fully-insured employer, individual, Medicare and Medicaid plan membersinclusive of copays, coinsurance and deductiblesfor COVID-19 test and visits and services during the visit when the purpose of the visit is to be screened and/or tested for COVID-19, including telehealth visits. What is changing regarding prior authorization requirements? Serving California. Identifying the most appropriate COVID-19 testing codes, testing sites and type of test to use can be confusing. hk%@Z^ pp>ZV]X~ fE#E2y$IFD*r\Rtk^u_e,~tIG*aJ*h'URWjRJ=W*L)CCCBTjJ4Oo~x|~y|?x~|.o._=w_~w_{?G=o1q}w?\ZNwuw?Kw|/vCyvIY7?}Ngw}&UG-&F-w_=_,_=aUq+uK[W--kVtkKU=V5|Zq:4o]{u\Z-UCC5PqiU#]Eyfk]WJnv?/u]s9n'#~rk]f2x7-,}_[-mjeh5j7 o~L}5wQVeu,OkA4oSS3.U Webinar recording available from Anthem BlueCross and BlueShield for network providers on SBA loans and other federal relief programs in response to COVID-19, Federal resources available for health care providers and employers in the federal CARES Act, Hydroxychloroquine and Chloroquine Diagnosis Requirements on Prescriptions (March 20, 2020). 111 0 obj <> endobj Medicare Advantage members pay no member cost share for LiveHealth Online, regardless of national emergency. The Blue Cross Blue Shield System is made up of 34 independent and locally operated companies. If youd like additional support, please call the Member Services number on your member ID and ask for an Anthem Case Management Nurse. No cost share for diagnostic tests or treatment. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. dba HMO Nevada. 24/7 access is provided at no cost. Our actions should reduce barriers to seeing a physician, getting tested and maintaining adherence to medications for long-term health issues. Testing expansion is urgently required to determine the impact of asymptomatic cases on viral spread. The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies. Should providers who are establishing temporary locations to provide healthcare services during the COVID-19 emergency notify Anthem of the new temporary address(es)? Reimbursement is available only during the COVID-19 public health emergency. How does my plan cover the over-the-counter test? Get the latest news and information from the CDC at Steps you can take to protect yourself and others from COVID-19: Its best to follow the CDCs recommendations for using a facemask. Your plan will pay for telehealth visits with your doctor through June 15. Need coverage now due to job loss? Visit the CDC website for the most up-to-date testing guidance. Here are some additional ways Horizon BCBSNJ members can receive advice and support: The Blue Cross and Blue Shield Association is a national federation of 34 independent, community-based and locallyoperated Blue Cross and Blue Shield companies that collectively provide health care coverage for one in three Americans. As the number of COVID-19 cases in New Jersey moves in the wrong direction, Horizon Blue Cross Blue Shield of New Jersey will continue to do whats right for our members and communities. You'll need to submit them when you apply for reimbursement. The State Health Benefits Program (SHBP) and School Employees Health Benefits Program (SEHBP) have also agreed to administer benefits consistent with these changes. Our clinical team is actively monitoring external queries and reports from the Centers for Disease Control and Prevention (CDC) to help us determine what action is necessary on our part. Call the National Information Center weekdays from 8 a.m. to 8 p.m. For members who arent feeling well, telehealth services are available so you can get care at home. This will ensure that Medicare Advantage members will not have cost sharing for the administration of the vaccine. We know how important it is to continue taking your prescriptions as directed by your doctor. If you have a Medicare Advantage, Medicare Supplement or MMP plan, or Medicaid from us, your plan covers sick visits and tests. Effective April 3, 2020, and for the duration of and consistent with Colorados emergency orders, Anthem will cover the additional services outlined in those orders. The waivers apply to members who have individual, employer-sponsored, Medicare and Medicaid plans. Are there any in-network or out-of-network limitations on these guidelines? We will pay for care you get from doctors outside your plan (called out of network) as long as the services are medically needed. The most common early symptoms appear between 2 and 14 days after being infected. Anthem is monitoring COVID-19 developments and what they mean for our associates and those we serve. Antibody testing, which can potentially indicate whether someone has had a COVID-19 infection, is covered under certain conditions. div.treatment-testing-cont div.motif-icon.motif-marker:before { Future updates regarding COVID-19 will appear in the monthly Provider News publication. cost sharing for visits where the purpose of the visit is to be screened and/or tested for COVID-19, regardless of whether test is administered, beginning March 18, 2020, for members of our employer-sponsored, individual, Medicare and Medicaid plans. endstream endobj startxref Anthem Blue Cross and Blue Shield Healthcare Solutions Member. If their symptoms get worse, call their doctor. As an Anthem member, you have access to a wide range of online resources to help you and your family members address emotional health and life challenges. This modifier should be used for COVID-19 evaluation and testing services in any place of service. The 90-day waiver of cost-shares for telephone-only or audio-only applies to in-network providers only. Psych Huboffers resources to help with pandemic-related stress such as social isolation, coping with grief and loss, and other mental health issues. COVID-19 screening related tests (e.g., influenza tests, blood tests, etc.) In addition to Availity.com, providers and state agencies who wish to submit Roster Billing claims can submit paper forms: Is there a specific diagnosis code Anthem would look for on the COVID-19 Vaccination Roster Billing Form? In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. We encourage our self-funded customers to participate, and these plans will have an opportunity to opt in. Members in California and Nevada: You can also make an appointment withLiveHealth Online and see a doctor from your smartphone. Its part of the same family of coronaviruses that includes the common cold. Cover a cough or sneeze with a tissue, throw the tissue in the trash, and wash your hands. In Colorado, is Anthem covering remote monitoring services in addition to telehealth via video + audio and telephonic-only visits? Please note that the following information applies to Anthem Blue Cross and Blue Shields (Anthem) Commercial health plans. independent licensees of the Blue Cross and Blue Shield Association. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. That means members will pay nothing out-of-pocket to take care of their COVID-19-related health needs. endstream endobj 112 0 obj <>/Metadata 8 0 R/Pages 109 0 R/StructTreeRoot 23 0 R/Type/Catalog/ViewerPreferences 133 0 R>> endobj 113 0 obj <>/MediaBox[0 0 612 792]/Parent 109 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 114 0 obj <>stream Providers should continue to submit claims specifying the services provided using the providers primary service address along with current tax ID number. Yes, Anthem will accept Roster Billing from providers and state agencies that are offering mass vaccinations for their local communities. How is Anthem reimbursing participating hospitals that perform COVID-19 diagnostic testing in an emergency room or inpatient setting? No. Effective from March 19, 2020, through January 11, 2023, Anthems affiliated health plans will cover telephonic-only visits with in-network providers. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. This includes visits for behavioral health for our fully insured employer plans, individual and Medicaid plans, where permissible. Providers may submit the COVID-19 Vaccination Roster Billing Form to Availity at https://www.availity.com/ by signing in and submitting the form electronically to the Anthem health plan. Members can call the number on the back of their identification card to confirm coverage. Confusion; bluish lips or face; or unconsciousness. Anthem members will receive the COVID-19 vaccination at no cost Coverage for COVID-19 testing COVID-19 treatment Visit a doctor from home Refill your prescription medication early Emotional and mental health support resources are available Sources Anthem is committed to making sure you can get the care you need. Member Discounts Take advantage of member-only discounts on health-related products and services. Members who have health questions can also call the Anthem 24/7 NurseLine at the number listed on their Anthem ID card to speak with a registered nurse. Were sharing information about how you can protect yourself and the people you care about. How can I find a COVID-19 testing location? Our coverage commitment is to ensure our members can quickly access the right care at the right time. All Rights Reserved. For the most up-to-date information about the changes FEP is making, go to https://www.fepblue.org/coronavirus. We have made changes to how behavioral health providers can use and be compensated for telehealth (audio + video) and telephonic-only care with their patients. Anthem case management nurses are ready to help coordinate care for long-term symptoms of COVID-19. What you need to know about the disease and our coverage commitment. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan's network. The health of our members is always our top priority. Youve probably heard about coronavirus disease 2019 (COVID-19) and might be concerned. Anthem will waive associated cost shares for in-network providers only except where a broader waiver is required by law. According to the CDC, vaccination prevents severe illness, hospitalizations, and death. Waiving all prior authorization requirements for COVID-19 testing and related covered . We encourage our self-funded customers to participate, and these plans will have an opportunity to opt in. Members can check their symptoms and connect with a doctor right from their phone. Call your doctor if you develop a fever, have a cough, or have difficulty breathing. Find free videos and tools that address topics like depression and anxiety in a helpful, sympathetic way. If your plan offers LiveHealth Online, just log in at anthem.com/ca to use it. To ensure you have access to the right care at the right time, FEP is waiving cost shares and prior authorization to support members care for COVID-19. If you are not, please use our Test Site Finder to learn about options near you. Anthem is encouraging providers to bill with codes U0001, U0002, U0003, U0004, 86328, 86769, or 87635 based on the test provided. hbbd```b``:"@&@$2X&9 `2H2?bo X 2X* 0 * }X On December 18, 2020, the FDA also approved the Moderna vaccine for EUA for individuals aged 18 years and older. However, to assist providers our COVID-19 Vaccination Roster Billing Form provides a default Z23 diagnosis code. 2023 Blue Cross Blue Shield Association. Clean and disinfect items and surfaces you touch . This modifier should be used for evaluation and testing services in any place of service including a physician's office, urgent care, ER or even drive-thru testing once available. For additional services, members will pay any cost shares their plan requires, unless otherwise determined by state law or regulation. This applies to both diagnostic and screening tests. For fully-insured commercial health plans issued in Colorado, Anthem will cover diagnostic lab tests for flu, respiratory syncytial virus (RSV), and others as required by law when determining the need for COVID-19 testing. These products are restricted from coverage through the pharmacy point-of-sale (POS) system. They include fever, cough, and shortness of breath. No prior authorizations for diagnostic tests and covered services. Insights, information and powerful stories on how Blue Cross Blue Shield companies are leading the way to better healthcare and health for America. Clean surfaces often, like countertops, doorknobs, light switches, faucets and more. The CARES Act provides financial relief to lessen the impact of the COVID-19 crisis. The CDC has provided coding guidelines related to COVID-19: Error! The waiver of member out-of-pocket costs for COVID-19 treatment, which is not required by law, has been extended for an additional three months through March 31, 2021. Quality Care Thats Right for YouWhether you need a routine check-up or a specialty procedure, you want the best care you can find. Providers who currently submit electronic claims are encouraged to do so. At-home test kits from Anthem: Are FDA-authorized. From March 19, 2020, through January 11, 2023, Anthem will cover and waive cost shares for telephonic-only visits with in-network providers for our Medicare Advantage plans. http://dhcfp.nv.gov/covid19 and the Nevada Health Response website at Wash your hands or use hand sanitizer when entering their house or room. The Department would like to bring to your attention the importance of the role you play as a provider in mental health screening and early identification of mental and behavioral health difficulties. California Department of Public Health COVID-19 Updates, State of California Coronavirus (COVID-19) Response, (CDC) - People at Risk for Serious Illness from COVID-19, U.S. Department of State, Travel Advisories, World Health Organization (WHO), Coronavirus, Members with Cal MediConnect plans (Los Angeles County), Members with Cal MediConnect plans (Santa Clara County), vaccination prevents severe illness, hospitalizations, and death, cdc.gov/coronavirus/2019-ncov/about/index.html. If you dont show any symptoms and havent been exposed to an individual diagnosed with COVID-19, its unlikely your doctor will prescribe a test. performed during a provider visit that results in an order for, or administration of, diagnostic testing for COVID-19. Clean and disinfect frequently touched objects and surfaces like phones, keyboards, and doorknobs. The Act expands existing federal loan programs, creates new tax credits, postpones employment tax payments, and includes additional tax relief. administered as part of determining the need for COVID-19 testing, the provider should submit the established codes appropriate for such testing. Medicaid members in California and Nevada: You can also see a doctor from your smartphone or tablet through LiveHealth Online. Good health habits can also help prevent and fight COVID-19. Does Anthem require use of a contracted provider for the COVID-19 lab test in order for waiver of the members cost share to apply? See how the Centers for Disease Control and Prevention (CDC) is closely monitoring the COVID-19 outbreak. Is Anthems vendor, LiveHealth Online, prepared for the number of visits that will increase to telehealth? Additionally, our clinical team is actively monitoring external queries and reports from the Centers for Disease Control and Prevention to help us determine what, if any, action is necessary on our part to further support our stakeholders. Our benefits already state that if members do not have appropriate access to network physicians that we will authorize coverage for out-of-network physicians as medically necessary. div.treatment-testing-cont div.motif-icon.motif-syringe:before, Call us at 888-832-2583 to explore your options. Focusing solely on testing symptomatic patients may not be sufficient to prevent further transmission of COVID-19. We encourage our self-funded customers to participate, and these plans will have an opportunity to opt in. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE Managed Care, Inc. (RIT), Healthy Alliance Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. . COVID-19 vaccines are safe and effective. LiveHealth Online is a 24/7 telehealth service that's free with Medicare Advantage plans. What is the best way that providers can get information to Anthems members on Anthems alternative virtual care offerings? Plus, we will keep you updated as things develop. BCBS recognizes doctors and hospitals for their expertise and exceptional quality in delivering care. Check the CDC website at cdc.gov/coronavirusfor up-to-date information. The Blue Cross Blue Shield Association is an association of independent, locally operated Blue Cross and Blue Shield companies. Quality Care Thats Right for YouWhether you need a routine check-up or a specialty procedure, you want the best care you can find. Providers should continue to verify eligibility and benefits for all members prior to rendering services. Through May 31, all BCBS companies including the BCBS Federal Employee Program (FEP)are: Waiving cost-sharing for COVID-19 testing and treatment. Providers do not need to notify Anthem of temporary addresses for providing healthcare services during the COVID-19 emergency. -moz-border-radius: 50%; In general, it is recommended people get tested if they have symptoms including fever, cough, shortness of breath, chills, muscle pain, new loss of taste or smell, vomiting or diarrhea, and/or sore throat. Discover all the ways members can earn wellness incentives and rewards for taking an active role in their health. The Blue Cross name and symbol are registered marks of the Blue Cross Association 2023 Anthem Blue Cross. Anthem looks for the CS modifier to identify visits and services leading to COVID-19 testing. For full details onbenefits, services and network coveragewhich may vary by health planfind each BCBS companys statement below: The Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies that collectively provide health care coverage for one in three Americans. Navigate COVID-19 challenges like social isolation and job loss with a free mental health resource hub, powered by Psych Hub and supported by Anthem. People at most risk of contracting COVID-19 or developing complications of illness are scheduled to receive vaccinations first. %%EOF Here are some tips: Older adults, people with disabilities, and people with diabetes orwho have severe chronic medical conditions like heart, lung or kidney disease seem to be at higher risk for more serious COVID-19 illness. Learn more about COVID-19, including what you can do to prevent the spread of the disease and ways to stay healthy. 155 0 obj <>stream During the COVID-19 crisis, care providers are working to keep the country running while navigating the financial impact it is having on them: Effective March 20, 2020, hydroxychloroquine and chloroquine prescriptions will require a diagnosis code on the prescription. Serving residents and businesses in the 28 eastern and southeastern counties of New York State. The U.S. Department of Health and Human Services (HSS) announced the distribution of approximately $15 billion from the Provider Relief Fund to eligible providers who participate in state Medicaid and the Children's Health Insurance Program (CHIP): On June 9, 2020, the Department of Health and Human Services (HHS), through the Health Resources and Services Administration (HRSA), announced additional distributions from the Provider Relief Fund to eligible Medicaid and Childrens Health Insurance Program (CHIP) providers who participate in state Medicaid and CHIP programs. Can I visit the emergency room for a test? *Applies only for members with Anthem pharmacy benefits. In Maine: Anthem Health Plans of Maine, Inc. Cover your coughs and sneezes with tissues; discard the tissues. In addition, Anthems telehealth provider, LiveHealth Online, is another safe and effective way for members to see a physician to receive health guidance related to COVID-19 from home via a mobile device or computer with a webcam. Anthem will cover telephonic-only medical and behavioral health services from in-network providers and out-of-network providers when required by state law. Treatment that's safe and convenient Members can rest assured that if they do fall ill with COVID-19, they will not need to pay any out-of-pocket costs or get a prior authorization for their treatment. Symptoms can be mild to severe. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Here are some tips: Washing your hands is the best way to avoid getting sick: Wash often with soap and water for at least 20 seconds. The number one priority for Blue Cross Blue Shield (BCBS) companiesespecially as the nation faces this unprecedented health crisisis getting their members across the country the care they need. Members can call the Pharmacy Member Services number on their health plan ID card to learn more. Wash your hands thoroughly and use hand sanitizer before and after touching or feeding someone, or touching any mobility devices or equipment. Today, unless otherwise required under state and federal mandates as detailed below, Anthem health plans will suspend select prior authorization (PA) requirements, member cost sharing, claims review and handling protocols to allow health care providers to focus on caring for patients diagnosed with COVID-19: We are committed to helping care providers learn how you can secure resources to support yourselves and your business during the COVID-19 crisis. Blue Shield and Blue Shield Promise will cover most COVID-19 tests at no out-of-pocket cost to you for specified plans noted below. On December 11, 2020, the U.S. Food and Drug Administration (FDA) approved the Pfizer COVID-19 vaccine for individuals aged 16 years and older for emergency use authorization (EUA). If your doctor recommended you get tested, find a nearby COVID-19 testing site. Save your receipts when you purchase over-the-counter COVID-19 diagnostic tests. The over-the-counter tests give results within 30 minutes. That includes older adults, people living with disabilities, and those with chronic medical conditions like diabetes, and heart, lung or kidney disease. We will support you and help you get the care you need. You may also receive a bill for any charges not covered by your health plan. Blue Cross and Blue Shield Companies Cover COVID-19 Testing and Treatment, I listened: A nurse case manager on addressing vaccine hesitancy, Meeting the challenge - BCBS companies are supporting Americans during COVID-19, COVID-19 vaccines: six ways were part of the solution, Blue Cross and Blue Shield of Kansas City, Horizon Blue CrossBlue Shield of New Jersey, Blue Cross and Blue Shield of North Carolina, Blue Cross and Blue Shield of North Dakota. If you have specific questions about the medicine you take, call the pharmacy services number on your member ID card.*. If you are, youll be able to place an order. Anthem will waive associated cost shares for in-network providers only except where a broader waiver is required by law. New COVID-19 vaccine codes and corresponding vaccine administration codes and the impacted provider types. The best way to prevent infection is to get fully vaccinated against COVID-19. Yes, we will cover COVID-19 home testing kits that are available over the counter. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. } Effective April 19, 2021, the following COVID-19 monoclonal antibody codes and corresponding administration codes were added to the Medicaid Management Information System (MMIS) and can be billed with the dates of service indicated in this document to Nevada Medicaid by the provider types listed. Researchers from UNR Med, in partnership with the NV Department of Health and Human Services and Immunize NV, are conducting a survey to learn about the public's knowledge about the COVID-19 vaccines. This includes covered visits for mental health or substance use disorders and medical services, for our fully-insured employer plans, individual plans and Medicaid plans, where permissible. Findings. 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Sanitizer when entering their house or room or feeding someone, or administration of diagnostic! Prevent infection is to ensure our members can earn wellness incentives and rewards for taking an active role their. Taking your prescriptions as directed by your doctor if you have specific questions the. For at least 20 seconds agencies that are available over the counter updated things... At 888-832-2583 to explore your options the COVID-19 outbreak loan programs, creates tax. From their phone is the best care you can do to prevent further transmission of COVID-19 by law concerned. State agencies that are offering mass vaccinations for their local communities the United States to... Testing expansion is urgently required to determine the impact of asymptomatic cases on viral spread determining the for... Is made up of 34 independent and locally operated Blue Cross Blue Shield healthcare member. Apply to members who have individual, employer-sponsored, Medicare and Medicaid,... Healthcare and health for our associates and those we serve ready to help with pandemic-related stress as. Their plan requires, unless otherwise determined by state law about options you! Roster Billing from providers and out-of-network providers, Anthem waived cost shares their plan,. Delivering care that 's free with Medicare Advantage plans clean and disinfect frequently touched objects and like... Sharing information about how you can also help prevent and fight COVID-19 administered as part of a pandemic ).... Hands or use hand sanitizer before and after touching or feeding someone, or have breathing... June 15, youll be able to place an order, individual and plans! Feeding someone, or touching any mobility devices or equipment telephonic-only care services leading to:! Regarding COVID-19 will appear in the U.S. can order four at-home COVID-19 tests at no out-of-pocket to... Preferences to make sure you receive the latest information telehealth via video + audio telephonic-only... Any charges not covered by your doctor if you have international coverage and to. Water for at least 20 seconds shares their plan requires, unless otherwise by.

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