Kaiser otc benefits 2024 california

H0524_24SB031064065_M PBP #: 031, 064 & 065 1048605179 N316465 January 1–December 31, 2024 2024 Summary of Benefits Kaiser Permanente Senior Advantage San Mateo County Basic Plan (HMO), Kaiser Permanente Senior Advantage Marin County Basic Plan (HMO), and Kaiser Permanente

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Shop from hundreds of over-the-counter (OTC) products on Medline at Home. Kaiser Permanente Colorado and Medline at Home have partnered to provide you with over-the-counter products that you may order using your OTC wellness benefit. 2024 OTC Catalogs. Print catalogs are available to order and will ship mid to end of April.

Kaiser Permanente Northern California and Medline at Home have partnered to provide you with over-the-counter products that you may order using your OTC wellness benefit. 2024 OTC Catalogs. Print catalogs are available to order and will ship mid to end of April.What you pay for covered services may depend on your level of Medicaid eligibility. If you have questions about your Medicaid eligibility and what benefits you are entitled to, call Health First Colorado (Colorado's Medicaid program) at 1-303-866-3513 or toll-free 1-800-221-3943 if outside the Denver Metropolitan area.benefits that were available before January 1, 2024, unless those benefits are also shown in this brochure. OPM negotiates benefits and rates for each plan annually. Benefit …The shift towards becoming a cashless society is gathering momentum. One-third of all POS transactions via mobile wallet by 2024. The shift towards becoming a cashless society is g...Add optional benefits for more coverage and value. Advantage Plus offers benefits that enhance your overall health and well-being. ... 2024, for coverage to be effective on January 1, 2025. Find care Get Care; Find Doctors & Locations ... Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser …

Over-the-Counter (OTC) Health and Wellness Products KAISER PERMANENTE SENIOR ADVANTAGE (HMO) AND SENIOR ADVANTAGE MEDICARE MEDICAID (HMO D-SNP) PLANS 2020 H1170_019_05_C Products listed in this catalog are available through your over-the-counter (OTC) benefit. The items are current as of January 1, 2020 and are subject to change.Kaiser Permanente Northern California and Medline at Home have partnered to provide you with over-the-counter products that you may order using your OTC wellness benefit. 2024 OTC Catalogs Print catalogs are available to order and will ship mid to end of April.In California, KFHP medical plans are offered and underwritten by Kaiser Foundation Health Plan, Inc., One Kaiser Plaza, Oakland, CA 94612 • In Colorado, all medical plans are offered and underwritten by Kaiser Foundation Health Plan of Colorado, 10350 E. Dakota Ave., Denver, CO 80247 • In Georgia, all medical plans are offered and ...2024 Kaiser Permanente - Southern California 2 Table of Contents . Introduction This brochure describes the benefits of Kaiser Permanente – Southern California contract under (CS1044-B) between Kaiser Foundation Health Plan, Inc. Southern California Region and the United States Office of Personnel Management, asTo get more information about your Medicare eligibility, sign up for Part A and/or B, or determine your Part B premium, visit ssa.gov or call Social Security at 1-800-772-1213, Monday through Friday, 8 a.m. to 7 p.m. TTY users, call 1-800-325-0778. Notes. Kaiser Foundation Health Plan, Inc. 393 E. Walnut St.Please refer to your Evidence of Coverage for details regarding the OTC benefit. OTC benefits may change each year on January 1. Each purchase must be at least $20. ... Over-the-Counter (OTC) Wellness Credit for 2021 KAISER PERMANENTE MEDICARE ADVANTAGE (HMO) Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. …

Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 155 . Term Brand name drug . is a drug that is marketed under a proprietary, trademark protected name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance . is a percentage of the cost of a covered health care benefit that an enrollee You can also call Delta Dental Customer Service at 1-877-644-1774 (TTY 711 ), Monday through Friday, 8 a.m. to 8 p.m. EST; 7 days a week, October 1 - March 31, 8 a.m. to 8 p.m. EST. Our Medicare Medi-Cal health plans cover comprehensive dental care through Delta Dental of California and its DeltaCare® USA Dental HMO program at no cost to dual ... Psychology Postdoctoral Resident (1-year temporary with benefits) $33.5097. Neuropsychology Postdoctoral Resident (2-year temporary with benefits) $33.7020 (1st year) $34.5193 (2nd year) Associate Post Masters Mental Health Fellow (1-year temporary with benefits) $32.00. *New rates effective 9/8/2024.2024 Kaiser Permanente - Platinum 90 HMO Date: August 21, 2023 Page 1 Cost Share Summary This “Cost Share Summary” is part of your Evidence of Coverage (EOC) and is meant to explain the amount you will pay for covered Services under this plan. It does not provide a full description of your benefits. For a full description of your benefits,

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OVER-THE-COUNTER WELLNESS BENEFIT. Use your over-the-counter (OTC) beneft to order OTC health and wellness products. You can use your beneft to order: • Vitamins …Over-the-Counter (OTC) Health and Wellness Products KAISER PERMANENTE MEDICARE ADVANTAGE (HMO) PLANS Products listed in this catalog are available through your over-the-counter (OTC) benefit. The items are current as of January 1, 2022 and are subject to change. ColorColorado Regionado Over-the-Counter (OTC) Health …The agent/broker can contact the Covered California Agent Service Center at 1-877-453-9198 with your client in a conference call or in person for assistance with the agent/broker delegation. COMPENSATION. Information below is specific to California for the 2024 Plan Year (January 1-December 31, 2024). For details about compensation in other ...January 1 – December 31, 2024 . Evidence of Coverage . Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage (HMO) This document gives you the details about your Medicare health care and prescription drug coverage from January 1 to December 31, 2024. This is an important legal

KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. GROUP ... SIGNATURE CARE DELIVERY SYSTEM . See 2024 NCQA Guide for more information on accreditation . Kaiser Foundation Health Plan . of the Mid-Atlantic States, Inc. 2101 East Jefferson Street ... $250,000 in present value annuity benefits, in the aggregate, …Senior Advantage Medicare Medi-Cal North P2 (HMO D-SNP), offered by Kaiser Foundation Health Plan, Inc., Northern California Region Member Handbook January 1, 2024 – December 31, 2024 Your Health and Drug Coverage under Senior Advantage Medicare Medi-Cal (HMO D-SNP), offered by Kaiser Foundation Health Plan, …The dollar value of the Medicare grocery allowance varies from plan to plan, but Stidom says a typical range is between $25 and $200 or more per month. Some unscrupulous marketers try to make it ...Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 155 . Term Brand name drug . is a drug that is marketed under a proprietary, trademark protected name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance . is a percentage of the cost of a covered health care benefit that an enrolleeOver-the-Counter (OTC) Wellness Benefit H5050_1213653796_M Kaiser Permanente Medicare Advantage (HMO) plan Benefit limit1 Anchor plan — available in Skagit and Whatcom counties $75 per quarter Harbor plan — available in Island, Skagit, and Whatcom counties $100 per quarter Key plan — available in Island, King, Kitsap, Pierce, Snohomish, and Kaiser Permanente Northern California and Medline at Home have partnered to provide you with over-the-counter products that you may order using your OTC wellness benefit. 2024 OTC Catalogs. Print catalogs are available to order and will ship mid to end of April. To see our formulary, or list of covered drugs, choose your plan from the list below. Or you can search our formulary online (courtesy of Lexicomp). Last Update: May, 2024. Individual & Family / Small Employer Group Plans (2-99 Employees) Large Employer Group Plans (100+ Employees)As technology continues to evolve, so do the ways in which businesses can market their products and services. One of the most effective methods is through an online catalog, also k... You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. 2101 E. Jefferson St., Rockville, MD 20852 2021AR0843V1 MAS 10/1/21 - 9/30/22 . H2172_21_83_M

Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 158 . name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance is a percentage of the cost of a covered health care benefit that an enrollee pays after the enrollee has paid the deductible, if a deductible applies to the health care

Over-the-Counter (OTC) Health and Wellness Products. KAISER PERMANENTE MEDICARE ADVANTAGE (HMO) PLANS. Products listed in this catalog are available through your over-the-counter (OTC) benefit. The items are current as of January 1, 2021 and are subject to change. H2172_20_104_C.Medline at Home OTC Catalog - 2024 Kaiser Permanente. Health (9 days ago) WebAbout the benefit. Members in select Kaiser Permanente Medicare health plans receive a quarterly beneft to purchase health-related products every calendar quarter.2024. We’re providing you with information on the 2025 health plan proposals (PDF) approved in November 2023 by the CalPERS Board of Administration. There’s no action for you to take now. These proposals become part of our rate development process when we set health premiums. The Pension and Health Benefits Committee will review preliminary ...You can change or apply for coverage through Kaiser Permanente, or we can help you apply through Covered California. F or coverage that starts on January 1, …benefits that were available before January 1, 2024, unless those benefits are also shown in this brochure. OPM negotiates benefits and rates for each plan annually. Benefit …Kaiser Foundation Health Plan, Inc., Northern and Southern California Region . 10400.364.1.S000711336. Prescription Drug Coverage You Pay . Covered outpatient items in accord with our drug formulary guidelines: ... 2024 Summary of Benefits Kaiser Permanente Senior Advantage (HMO) Group plan With Medicare Part D prescription …add these benefits, be sure to fill out the Advantage Plus Enrollment Form . in this kit. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente health plan area in which you enroll. [20 /FitR -211 -344 814 412]

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Kaiser Permanente . 2024 Comprehensive Formulary (List of Covered Drugs) ... CALIFORNIA REGIONS. Kaiser Permanente Senior Advantage (HMO) Member Services 1-800-443-0815 . TTY. 711. ... You must generally use network pharmacies to use your prescription drug benefit. Theformulary2024. We’re providing you with information on the 2024 health plan changes approved in November 2022 (PDF) and March 2023 (PDF) by the CalPERS Board of Administration.. There’s no action for you to take now. These proposals become part of our rate development process when we set health premiums.The Pension & Health Benefits …Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 158 . name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance is a percentage of the cost of a covered health care benefit that an enrollee pays after the enrollee has paid the deductible, if a deductible applies to the health careWe're here to help. Call a Kaiser Permanente Medicare specialist toll free 8 a.m. to 8 p.m., 7 days a week. 1-855-244-8817 (TTY 711) Medicare nondiscrimination notice | Language assistance . You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll.Thank you. Here's your user ID. Enter your password to sign on. Error: Enter your user ID and password. User ID Enter your kp.org user IDSummary of Benefits and Coverage: What this plan covers and What You Pay For Covered Services. Coverage for: Individual/Family Plan type: HMO Kaiser Permanente: TRADITIONAL PLAN Coverage Period: 01/01/2024-Summary of Benefits and Coverage: 12/31/2024 What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2024-12/31/2024Kaiser Permanente: TRADITIONAL PLAN Coverage Period: 01/01/2024-Summary of Benefits and Coverage: 12/31/2024 What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2024-12/31/2024: TRADITIONAL PLAN Coverage for: Individual/Family | Plan Type: HMO ... CALIFORNIA INSTITUTE OF TECHNOLOGY …If you reach the $5,030 limit in 2024, you move on to the coverage gap stage and your coverage changes. for a 31- to 60-day supply, and $105 for a 61- to 90-day supply of, regardless of the tier. **Our plan covers most Part D vaccines at no cost to you. Note: Tier 6 (vaccines) are not available through mail order. January 1 – December 31, 2024 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage (HMO) This document gives you the details about your Medicare health care and prescription drug coverage from January 1 to December 31, 2024. This is an important legal ….

2024 Summary of Benefits . Kaiser Permanente Senior Advantage(HMO) Group planfor 10119 City and County of San Francisco . With Medicare Part D prescription drug coverage. 1. About this Summary of Benefits Thank you for considering Kaiser Permanente Senior Advantage. You can use thisFor more information about Medi-Cal, you can check the California Department of Healthcare Services (DHCS) website (www.dhcs.ca.gov) or contact the Medi-Cal Office of the Ombudsman 1-888-452-8609, Monday through Friday, between1 Quarterly allowance: January – March; April – June; July – September; October – December. 2 Available in select group plans; refer to your Evidence of Coverage to determine if you have this benefit. Blue Shield of California offers an over-the-counter (OTC) items benefit which covers OTC health and wellness products, including first ...In today’s fast-paced world, convenience is key. With the rise of technology and the internet, consumers are now turning to online shopping for their everyday needs, including over...ClassPass. Over-the-Counter (OTC) Wellness Benefit. [See footnote 2] With this benefit, you can order non-prescription, health-related products from a catalog …add these benefits, be sure to fill out the Advantage Plus Enrollment Form . in this kit. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente health plan area in which you enroll. [22 /FitR -211 -348 814 408]Kaiser Permanente Senior Advantage (HMO) ... OR 97232 Member Services: 1-877-221-8221 (TTY 711) 8 a.m. to 8 p.m., 7 days a week Small Group Senior Advantage Plan 2024 Contract Deductible For one Member per Year None Out-of-Pocket Maximum¹ ... The annual benefit maximum is $1,250. Kaiser Permanente pays 80% up toThese rates do not apply to all enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer that maintains your health benefits enrollment. Your Premium Share. High Option. Standard Option. Prosper. Self Only. Biweekly. $204.93.As technology continues to evolve, so do the ways in which businesses can market their products and services. One of the most effective methods is through an online catalog, also k... Kaiser otc benefits 2024 california, You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. 2101 E. Jefferson St., Rockville, MD 20852 2021AR0843V1 MAS 10/1/21 - 9/30/22 . H2172_21_83_M, Over-the-Counter (OTC) items. We cover OTC items listed in our OTC catalog for free home delivery. You may order OTC items each quarter of the year (January, April, July, October). The catalog lists the price of each item. Each order must be at least . $0. up to the . $125 . quarterly benefit limit., Kaiser Permanente uses web tracking technologies on this site and may share such data with its third parties to enhance your experience and optimize our ability to make users aware of our services. ... 2024 Benefit Summary. 2024 Evidence of Coverage (EOC) ... Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii ..., For the benefit year of 2024 here is what you’ll get and what you will pay: ... (CTC) at 1-855-673-3195, 24 hours a day, 7 days a week. For TTY users, call your relay service or California Relay Service at 711. For reservations call Monday-Friday, 7am-6pm (PST). ... You must qualify for this benefit. Over the Counter (OTC) items allowance of ..., Kaiser offers a few other extra perks and benefits worth noting: OTC benefit: With some Kaiser plans, you can get common over-the-counter products like vitamins and cold medicine at no extra cost. You simply need to place an order through Kaiser’s online catalog of products. Kaiser offers a quarterly allowance on OTC products …, Kaiser offers a few other extra perks and benefits worth noting: OTC benefit: With some Kaiser plans, you can get common over-the-counter products like vitamins and cold medicine at no extra cost. You simply need to place an order through Kaiser’s online catalog of products. Kaiser offers a quarterly allowance on OTC products …, Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage (HMO) This document gives you the details about your Medicare health care and prescription drug coverage from January 1 to December 31, 2023. This is an important legal document. Please keep it in a safe place., 34 22 Keep this catalog for future orders. Item # Description Count Price Home Diagnostic & Patient Aids 5210 Pill Box, 7 Day, 4 Times a Day 1 ct. $7.00 5508 Pill Box, 7 Day, AM & PM 1 ct. $9.00 5823 Pill Crusher with Storage 1 ct. $9.50 5824 Pill Cutter with Safety Shield 1 ct. $7.00 5096 Pulse Oximeter., H0630_24SB017023_M PBP #: 017 & 023 1130792296 SCO1723 January 1–December 31, 2024 . 2024 Summary of Benefits . Kaiser Permanente Senior Advantage, As a Kaiser Permanente Medicare member, you can enjoy many health plan extras that enhance your well-being and convenience. Learn more about the benefits of Silver&Fit, dental and vision coverage, over-the-counter wellness products, and more. Visit our website to find out how to get the most out of your health plan in 2024., Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 158 . name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance is a percentage of the cost of a covered health care benefit that an enrollee pays after the enrollee has paid the deductible, if a deductible applies to the health care, Doesn't include Medicare Part D drugs. $4,900. Inpatient hospital services*†. There's no limit to the number of medically necessary inpatient hospital days. $200 per day for days 1–5 of your stay and $0 for the rest of your stay. Outpatient hospital services. $0–$150 per visit. Ambulatory Surgical Center (ASC), add these benefits, be sure to fill out the Advantage Plus Enrollment Form . in this kit. Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. You must reside in the Kaiser Permanente health plan area in which you enroll. [20 /FitR -211 -344 814 412], Kaiser Permanente Medicare health plans, 2024. Kaiser Permanente Senior Advantage (HMO) and Senior Advantage Medicare Medi-Cal (HMO D-SNP) Make the most of your coverage by learning more about your plan. Medicare Plan Rating. Summary of Benefits. Evidence of Coverage. Annual Notice of Changes., Benefits, premiums, deductibles, and/or copayments/coinsurance may change on January 1, 2025. The formulary, pharmacy network, and/or provider network may ... 2024 . Evidence of Coverage. for Kaiser Permanente Medicare Advantage Care Plus 5 Table of Contents. 1-888-777-5536 (TTY 711), 7 days a week, 8 a.m. to 8 p.m., You may place an order over the phone or request a printed catalog be mailed to you by calling 1-844-232-6906 (TTY 711), 8 a.m. to 8 p.m., Monday through Friday. $0 up to the quarterly benefit limit for your plan: $115 for Basic 2 plan members. $150 for Enhanced 2 plan members., If you reach the $5,030 limit in 2024, you move on to the coverage gap stage and your coverage changes. for a 31- to 60-day supply, and $105 for a 61- to 90-day supply of, regardless of the tier. **Our plan covers most Part D vaccines at no cost to you. Note: Tier 6 (vaccines) are not available through mail order., Kaiser Permanente 2024 California Commercial HMO Formulary • Page 5 of 155 . Term Brand name drug . is a drug that is marketed under a proprietary, trademark protected name. The brand name drug shall be listed in all CAPITAL letters. Coinsurance . is a percentage of the cost of a covered health care benefit that an enrollee, You must reside in the Kaiser Permanente Medicare health plan service area in which you enroll. Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. 2101 E. Jefferson St., Rockville, MD 20852 2021AR0843V1 MAS 10/1/21 - 9/30/22 . H2172_21_83_M, 2024. We’re providing you with information on the 2025 health plan proposals (PDF) approved in November 2023 by the CalPERS Board of Administration. There’s no action for you to take now. These proposals become part of our rate development process when we set health premiums. The Pension and Health Benefits Committee will review preliminary ..., 2024 Summary of Benefits. Kaiser Permanente Medicare Advantage (HMO) Group plan Plan A with D for persons with Medicare Parts A & B. Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. A nonprofit corporation. H2172_EG_23_69., 2023 Summary of Benefits. H9003_SAIDSB0224_M PBP #: 001, 006 & 009 249SA-23 January 1–December 31, 2024. 2024. Summary of Benefits. Kaiser Permanente. Senior Advantage. Value Plan (HMO-POS), Kaiser Permanente. Senior Advantage. Standard Plan (HMO-POS), and Kaiser Permanente., January 1 – December 31, 2024 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage (HMO) This document gives you the details about your Medicare health care and prescription drug coverage from January 1 to December 31, 2024. This is an important legal, NEW – starting April 1, 2024, you can use your OTC benefit at CVS Health. See below for more details. How Your OTC Benefit Works. At the beginning of each calendar quarter, your OTC card is loaded with the quarterly OTC amount for your plan. Plan. 2024 Amount. Quarter. CareAdvantage Preferred (HMO) $67. $67. $67. $67. Jan-Mar., In California, KFHP medical plans are offered and underwritten by Kaiser Foundation Health Plan, Inc., One Kaiser Plaza, Oakland, CA 94612 • In Colorado, all medical plans are offered and underwritten by Kaiser Foundation Health Plan of Colorado, 10350 E. Dakota Ave., Denver, CO 80247 • In Georgia, all medical plans are offered and ... , Senior Advantage Medicare Medi-Cal North P2 (HMO D-SNP), offered by Kaiser Foundation Health Plan, Inc., Northern California Region Member Handbook January 1, 2024 – December 31, 2024 Your Health and Drug Coverage under Senior Advantage Medicare Medi-Cal (HMO D-SNP), offered by Kaiser Foundation Health Plan, …, The agent/broker can contact the Covered California Agent Service Center at 1-877-453-9198 with your client in a conference call or in person for assistance with the agent/broker delegation. COMPENSATION. Information below is specific to California for the 2024 Plan Year (January 1-December 31, 2024). For details about compensation in other ..., Over-the-Counter (OTC) Health and Wellness Products. KAISER PERMANENTE MEDICARE ADVANTAGE (HMO) PLANS. Products listed in this catalog are available through your over-the-counter (OTC) benefit. The items are current as of January 1, 2021 and are subject to change. H2172_20_104_C., Kaiser Permanente Northern California and Medline at Home have partnered to provide you with over-the-counter products that you may order using your OTC wellness benefit. 2024 OTC Catalogs. Print catalogs are available to order and will ship mid to end of April. , About the benefit. Members in select Kaiser Permanente Medicare health plans receive a quarterly beneft to purchase health-related products every calendar quarter. Q1: Jan–Mar, Q2: Apr–Jun, Q3: Jul–Sep, Q4: Oct–Dec. Confrm the amount of your quarterly OTC beneft limit by reviewing your Evidence of Coverage (EOC). , Over-the-counter (OTC) wellness benefit. You can get over-the-counter health and wellness products delivered to your home at no cost with a $70 quarterly benefit limit. Call us to learn more . For more information about our Kaiser Permanente Medicare health plan, call our Member Service Contact Center at . 1-855-717-9598 (TTY . 711),, 2023 plans with additional optical coverage have been removed from the 2024 Complete Suite portfolio but are still available for sale and renewal. Customers can now add standard optical coverage to any HMO, DHMO, or HSA-Qualified HDHP Complete Suite plan. HMO Low plan 9942/9943 has been removed from Complete Suite., Effective January 1, 2024–December 31, 2024 Metro Atlanta, Barrow, Butts, Newton, Rockdale, Spalding, and Walton Counties H1170_00037064_GA3_M PBP 014 2024 Benefits at a Glance Medicare Health Plan Benefit Highlights Chart Premiums and Benefits Kaiser Permanente Senior Advantage Liberty (HMO) Description You pay …