Welcome to Your Benefits - 2020 -2021 Murray City School District - LARGE EMPLOYER - UTAH
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Welcome to Your Benefits
2020 -2021 Murray City School District
LARGE EMPLOYER - UTAH
Fair Treatment Notice
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For help, call SelectHealth Member Services at
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Member Services at 1-855-442-9900 をご利用いただけます。SelectHealth. まで、
お電話に
(TTY Users: 711). てご連絡ください。
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ná hólǫʹ, kojį’ hódíílnih SelectHealth.
© 2019 SelectHealth. All rights reserved. 840031 10/19
BENEFIT SUMMARIES
MURRAY SCHOOL DISTRICT G1009343 1001 L40A5015 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK
VALUE NETWORK When using in-network providers, you are responsible to pay the amounts in this column.
Services from out-of-network providers are not covered (except emergencies).
CONDITIONS AND LIMITATIONS
Lifetime Maximum Plan Payment - Per Person None
Pre-Existing Conditions (PEC) None
Benefit Accumulator Period plan year
MEDICAL DEDUCTIBLE AND MEDICAL OUT-OF-POCKET5 IN-NETWORK
Self Only Coverage, 1 person enrolled - per plan year
Deductible $1,000
Out-of-Pocket Maximum $3,000
Family Coverage, 2 or more enrolled - per plan year
Deductible - per person/family $1000/$3000
Out-of-Pocket Maximum - per person/family $3000/$6000
(Medical and Pharmacy Included in the Out-of-Pocket Maximum)
INPATIENT SERVICES IN-NETWORK
4
Medical, Surgical and Hospice 20% after deductible
4
Skilled Nursing Facility - Up to 60 days per plan year 20% after deductible
4
Inpatient Rehab Therapy: Physical, Speech, Occupational 20% after deductible
Up to 40 days per plan year for all therapy types combined
PROFESSIONAL SERVICES IN-NETWORK
Office Visits & Minor Office Surgeries
1
Primary Care Provider (PCP) $30
1
Secondary Care Provider (SCP) $40
Allergy Tests See Office Visits Above
Allergy Treatment and Serum 20%
Major Surgery 20%
Physician's Fees - (Medical, Surgical, Maternity, Anesthesia) 20% after deductible
PREVENTIVE SERVICES AS OUTLINED BY THE ACA2,3 IN-NETWORK
1
Primary Care Provider (PCP) Covered 100%
1
Secondary Care Provider (SCP) Covered 100%
Adult and Pediatric Immunizations Covered 100%
Elective Immunizations - herpes zoster (shingles), rotavirus Covered 100%
Diagnostic Tests: Minor Covered 100%
Other Preventive Services Covered 100%
VISION SERVICES IN-NETWORK
Preventive Eye Exams Covered 100%
All Other Eye Exams $40
OUTPATIENT SERVICES4 IN-NETWORK
Outpatient Facility and Ambulatory Surgical 20% after deductible
Ambulance (Air or Ground) - Emergencies Only 20% after deductible
Emergency Room - (In-Network facility) $250 after deductible
Emergency Room - (Out-of-Network facility) $250 after deductible
®
Intermountain InstaCare Facilities, Urgent Care Facilities $45
®
Intermountain KidsCare Facilities $30
®
Intermountain Connect Care Covered 100%
Chemotherapy, Radiation and Dialysis 20% after deductible
2
Diagnostic Tests: Minor Covered 100%
2
Diagnostic Tests: Major 20% after deductible
Home Health, Hospice, Outpatient Private Nurse 20% after deductible
Outpatient Cardiac Rehab Covered 100%
Outpatient Rehab/Habilitative Therapy: Physical, Speech, Occupational $40 after deductible
MPS-HMO 01/01/20 See other side for additional benefits
MURRAY SCHOOL DISTRICT G1009343 1001 L40A5015 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK
VALUE NETWORK
MISCELLANEOUS SERVICES IN-NETWORK
4
Durable Medical Equipment (DME) 20% after deductible
3
Miscellaneous Medical Supplies (MMS) 20% after deductible
Autism Spectrum Disorder See Professional, Inpatient, Outpatient, or
Mental Health and Chemical Dependency Services
4,6
Maternity and Adoption See Professional, Inpatient or Outpatient
4
Cochlear Implants See Professional, Inpatient or Outpatient
Infertility - Select Services *50% after deductible
(Max Plan Payment $1,500/ plan year; $5,000 lifetime)
4
Donor Fees for Covered Organ Transplants 20% after deductible
TMJ (Temporomandibular Joint) Services - Up to $2,000 lifetime See Professional, Inpatient or Outpatient
OPTIONAL BENEFITS IN-NETWORK
4
Mental Health and Chemical Dependency
Office Visits $30
Inpatient 20% after deductible
Outpatient 20%
2
Residential Treatment 20% after deductible
4
Injectable Drugs and Specialty Medications 20% after deductible
4
Bariatric Surgery (Up to one surgery/lifetime) See Professional, Inpatient or Outpatient
PRESCRIPTION DRUGS
Pharmacy Deductible - Per Person per plan year $250
Prescription Drug List (formulary) RxSelect®
4
Prescription Drugs - Up to 30 Day Supply of Covered Medications
Tier 1 $20
Tier 2 $40 after pharmacy deductible
Tier 3 $60 after pharmacy deductible
Tier 4 $100 after pharmacy deductible
4
Maintenance Drugs - 90 Day Supply (Mail-Order, Retail90 ® )-selected drugs
Tier 1 $20
Tier 2 $80 after pharmacy deductible
Tier 3 $180 after pharmacy deductible
Generic Substitution Required Generic required or must pay copay plus cost
difference between name brand and generic
1 Refer to selecthealth.org/findadoctor to identify whether a provider is a primary or secondary care provider.
2 Refer to your Certificate of Coverage for more information.
3 Frequency and/or quantity limitations apply to some preventive care and MMS services.
4 Preauthorization is required for certain services. Benefits may be reduced or denied if you do not preauthorize certain services with out-of-network providers. Please
refer to Section 11--" Healthcare Management", in your Certificate of Coverage, for details.
5 All deductible/copay/coinsurance amounts are based on the allowed amounts and not on the providers billed charges. Out-of-Network Providers or Facilities
have not agreed to accept the Allowed Amount for Covered Services. When this occurs, you are responsible to pay for any charges that exceed the amount that
SelectHealth pays for Covered Services. These fees are called Excess Charges, and they do not apply to your Out-of-Pocket Maximum.
6 SelectHealth provides a $4000 adoption indemnity as outlined by the state of Utah. Medical deductible, copay, or coinsurance listed under the benefit applies and may
exhaust the benefits prior to any plan payments.
* Not applied to Medical out-of-pocket maximum.
To contact Member Services, call 800-538-5038 weekdays, from 7:00 a.m. to 8:00 p.m., Saturdays, from 9:00 a.m. to 2:00 p.m. TTY users should call 711.
SM
Benefits are administered and underwritten by SelectHealth, Inc. (domiciled in Utah).
MPS-HMO 01/01/20 C
06/26/20 selecthealth.org
MURRAY SCHOOL DISTRICT G1009343 1001 L30CA929 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK OUT-OF-NETWORK
MED NETWORK When using in-network providers, you are responsible to
pay the amounts in this column.
When using out-of-network providers, you are
responsible to pay the amounts in this column.
CONDITIONS AND LIMITATIONS
Lifetime Maximum Plan Payment - Per Person None
Pre-Existing Conditions (PEC) None
Benefit Accumulator Period plan year
Maximum Annual Out-of-Network Payment - (per plan year) None None
MEDICAL DEDUCTIBLE AND MEDICAL OUT-OF-POCKET5 IN-NETWORK OUT-OF-NETWORK
Self Only Coverage, 1 person enrolled - per plan year
Deductible $1,000 $2,000
Out-of-Pocket Maximum $3,000 $5,000
Family Coverage, 2 or more enrolled - per plan year
Deductible - per person/family $1000/$3000 $2000/$6000
Out-of-Pocket Maximum - per person/family $3000/$6000 $5000/$10000
(Medical and Pharmacy Included in the Out-of-Pocket Maximum)
INPATIENT SERVICES IN-NETWORK OUT-OF-NETWORK
4
Medical, Surgical and Hospice 20% after deductible 40% after deductible
4
Skilled Nursing Facility - Up to 60 days per plan year 20% after deductible 40% after deductible
4
Inpatient Rehab Therapy: Physical, Speech, Occupational 20% after deductible 40% after deductible
Up to 40 days per plan year for all therapy types combined
PROFESSIONAL SERVICES IN-NETWORK OUT-OF-NETWORK
Office Visits & Minor Office Surgeries
1
Primary Care Provider (PCP) $30 40% after deductible
1
Secondary Care Provider (SCP) $40 40% after deductible
Allergy Tests See Office Visits Above Not Covered
Allergy Treatment and Serum 20% Not Covered
Major Surgery 20% 40% after deductible
Physician's Fees - (Medical, Surgical, Maternity, Anesthesia) 20% after deductible 40% after deductible
2,3
PREVENTIVE SERVICES AS OUTLINED BY THE ACA IN-NETWORK OUT-OF-NETWORK
1
Primary Care Provider (PCP) Covered 100% Not Covered
1
Secondary Care Provider (SCP) Covered 100% Not Covered
Adult and Pediatric Immunizations Covered 100% Not Covered
Elective Immunizations - herpes zoster (shingles), rotavirus Covered 100% Not Covered
Diagnostic Tests: Minor Covered 100% Not Covered
Other Preventive Services Covered 100% Not Covered
VISION SERVICES IN-NETWORK OUT-OF-NETWORK
Preventive Eye Exams Covered 100% Not Covered
All Other Eye Exams $40 40% after deductible
OUTPATIENT SERVICES4 IN-NETWORK OUT-OF-NETWORK
Outpatient Facility and Ambulatory Surgical 20% after deductible 40% after deductible
Ambulance (Air or Ground) - Emergencies Only 20% after deductible See In-Network Benefit
Emergency Room - (In-Network facility) $250 after deductible See In-Network Benefit
Emergency Room - (Out-of-Network facility) $250 after deductible See In-Network Benefit
®
Intermountain InstaCare Facilities, Urgent Care Facilities $45 40% after deductible
®
Intermountain KidsCare Facilities $30 Not Available
®
Intermountain Connect Care Covered 100% Not Available
Chemotherapy, Radiation and Dialysis 20% after deductible 40% after deductible
2
Diagnostic Tests: Minor Covered 100% 40% after deductible
2
Diagnostic Tests: Major 20% after deductible 40% after deductible
Home Health, Hospice, Outpatient Private Nurse 20% after deductible 40% after deductible
Outpatient Cardiac Rehab Covered 100% 40% after deductible
Outpatient Rehab/Habilitative Therapy: Physical, Speech, Occupational $40 after deductible 40% after deductible
MPS-PLUS 01/01/20 See other side for additional benefits
MURRAY SCHOOL DISTRICT G1009343 1001 L30CA929 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK OUT-OF-NETWORK
MED NETWORK
MISCELLANEOUS SERVICES IN-NETWORK OUT-OF-NETWORK
4
Durable Medical Equipment (DME) 20% after deductible 40% after deductible
3
Miscellaneous Medical Supplies (MMS) 20% after deductible 40% after deductible
Autism Spectrum Disorder See Professional, Inpatient, Outpatient, or See Professional, Inpatient, Outpatient, or
Mental Health and Chemical Dependency Mental Health and Chemical Dependency
Services Services
4,6
Maternity and Adoption See Professional, Inpatient or Outpatient 40% after deductible
4
Cochlear Implants See Professional, Inpatient or Outpatient Not Covered
Infertility - Select Services *50% after deductible Not Covered
(Max Plan Payment $1,500/ plan year; $5,000 lifetime)
4
Donor Fees for Covered Organ Transplants 20% after deductible Not Covered
TMJ (Temporomandibular Joint) Services - Up to $2,000 lifetime See Professional, Inpatient or Outpatient Not Covered
OPTIONAL BENEFITS IN-NETWORK OUT-OF-NETWORK
4
Mental Health and Chemical Dependency
Office Visits $30 40% after deductible
Inpatient 20% after deductible 40% after deductible
Outpatient 20% 40% after deductible
2
Residential Treatment 20% after deductible 40% after deductible
4
Injectable Drugs and Specialty Medications 20% after deductible 40% after deductible
4
Bariatric Surgery (Up to one surgery/lifetime) See Professional, Inpatient or Outpatient Not Covered
PRESCRIPTION DRUGS
Pharmacy Deductible - Per Person per plan year $250
Prescription Drug List (formulary) RxSelect®
4
Prescription Drugs - Up to 30 Day Supply of Covered Medications
Tier 1 $20
Tier 2 $40 after pharmacy deductible
Tier 3 $60 after pharmacy deductible
Tier 4 $100 after pharmacy deductible
4
Maintenance Drugs - 90 Day Supply (Mail-Order, Retail90 ® )-selected drugs
Tier 1 $20
Tier 2 $80 after pharmacy deductible
Tier 3 $180 after pharmacy deductible
Generic Substitution Required Generic required or must pay copay plus cost
difference between name brand and generic
1 Refer to selecthealth.org/findadoctor to identify whether a provider is a primary or secondary care provider.
2 Refer to your Certificate of Coverage for more information.
3 Frequency and/or quantity limitations apply to some preventive care and MMS services.
4 Preauthorization is required for certain services. Benefits may be reduced or denied if you do not preauthorize certain services with out-of-network providers. Please refer
to Section 11--" Healthcare Management", in your Certificate of Coverage, for details.
5 All deductible/copay/coinsurance amounts are based on the allowed amounts and not on the providers billed charges. Out-of-Network Providers or Facilities
have not agreed to accept the Allowed Amount for Covered Services. When this occurs, you are responsible to pay for any charges that exceed the amount that
SelectHealth pays for Covered Services. These fees are called Excess Charges, and they do not apply to your Out-of-Pocket Maximum.
6 SelectHealth provides a $4000 adoption indemnity as outlined by the state of Utah. Medical deductible, copay, or coinsurance listed under the benefit applies and may
exhaust the benefits prior to any plan payments.
* Not applied to Medical out-of-pocket maximum.
All covered services obtained outside the United States, except for routine, urgent, or emergency conditions require preauthorization.
To contact Member Services, call 800-538-5038 weekdays, from 7:00 a.m. to 8:00 p.m., Saturdays, from 9:00 a.m. to 2:00 p.m. TTY users should call 711.
SM
Benefits are administered and underwritten by SelectHealth, Inc. (domiciled in Utah).
MPS-PLUS 01/01/20 C
06/26/20 selecthealth.org
MURRAY SCHOOL DISTRICT G1009343 1001 L30CA930 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK OUT-OF-NETWORK
MED NETWORK / HEALTHSAVE PRODUCT When using in-network providers, you are responsible to
pay the amounts in this column.
When using out-of-network providers, you are
responsible to pay the amounts in this column.
CONDITIONS AND LIMITATIONS
Lifetime Maximum Plan Payment - Per Person None
Pre-Existing Conditions (PEC) None
Benefit Accumulator Period plan year
Maximum Annual Out-of-Network Payment - (per plan year) None None
MEDICAL DEDUCTIBLE AND MEDICAL OUT-OF-POCKET5 IN-NETWORK OUT-OF-NETWORK
Self Only Coverage, 1 person enrolled - per plan year
Deductible $3,000 $4,000
Out-of-Pocket Maximum $4,000 $5,500
Family Coverage, 2 or more enrolled - per plan year
Deductible $6,000 $8,000
Out-of-Pocket Maximum - per person/family $4000/$8000 $5500/$11000
(Medical and Pharmacy Included in the Out-of-Pocket Maximum)
INPATIENT SERVICES IN-NETWORK OUT-OF-NETWORK
4
Medical, Surgical and Hospice 20% after deductible 40% after deductible
4
Skilled Nursing Facility - Up to 60 days per plan year 20% after deductible 40% after deductible
4
Inpatient Rehab Therapy: Physical, Speech, Occupational 20% after deductible 40% after deductible
Up to 40 days per plan year for all therapy types combined
PROFESSIONAL SERVICES IN-NETWORK OUT-OF-NETWORK
Office Visits & Minor Office Surgeries
1
Primary Care Provider (PCP) $15 after deductible 40% after deductible
1
Secondary Care Provider (SCP) $25 after deductible 40% after deductible
Allergy Tests See Office Visits Above Not Covered
Allergy Treatment and Serum 20% after deductible Not Covered
Major Surgery 20% after deductible 40% after deductible
Physician's Fees - (Medical, Surgical, Maternity, Anesthesia) 20% after deductible 40% after deductible
PREVENTIVE SERVICES AS OUTLINED BY THE ACA2,3 IN-NETWORK OUT-OF-NETWORK
1
Primary Care Provider (PCP) Covered 100% Not Covered
1
Secondary Care Provider (SCP) Covered 100% Not Covered
Adult and Pediatric Immunizations Covered 100% Not Covered
Elective Immunizations - herpes zoster (shingles), rotavirus Covered 100% Not Covered
Diagnostic Tests: Minor Covered 100% Not Covered
Other Preventive Services Covered 100% Not Covered
VISION SERVICES IN-NETWORK OUT-OF-NETWORK
Preventive Eye Exams Covered 100% Not Covered
All Other Eye Exams $25 after deductible 40% after deductible
OUTPATIENT SERVICES4 IN-NETWORK OUT-OF-NETWORK
Outpatient Facility and Ambulatory Surgical 20% after deductible 40% after deductible
Ambulance (Air or Ground) - Emergencies Only 20% after deductible See In-Network Benefit
Emergency Room - (In-Network facility) $75 after deductible See In-Network Benefit
Emergency Room - (Out-of-Network facility) $75 after deductible See In-Network Benefit
®
Intermountain InstaCare Facilities, Urgent Care Facilities $35 after deductible 40% after deductible
®
Intermountain KidsCare Facilities $15 after deductible Not Available
®
Intermountain Connect Care Covered 100% after deductible Not Available
Chemotherapy, Radiation and Dialysis 20% after deductible 40% after deductible
2
Diagnostic Tests: Minor Covered 100% after deductible 40% after deductible
2
Diagnostic Tests: Major 20% after deductible 40% after deductible
Home Health, Hospice, Outpatient Private Nurse 20% after deductible 40% after deductible
Outpatient Cardiac Rehab Covered 100% after deductible 40% after deductible
Outpatient Rehab/Habilitative Therapy: Physical, Speech, Occupational $25 after deductible 40% after deductible
MPS-PLUS HDHP 01/01/20 See other side for additional benefits
MURRAY SCHOOL DISTRICT G1009343 1001 L30CA930 09/01/2020
MEMBER PAYMENT SUMMARY
IN-NETWORK OUT-OF-NETWORK
MED NETWORK / HEALTHSAVE PRODUCT
MISCELLANEOUS SERVICES IN-NETWORK OUT-OF-NETWORK
4
Durable Medical Equipment (DME) 20% after deductible 40% after deductible
3
Miscellaneous Medical Supplies (MMS) 20% after deductible 40% after deductible
Autism Spectrum Disorder See Professional, Inpatient, Outpatient, or See Professional, Inpatient, Outpatient, or
Mental Health and Chemical Dependency Mental Health and Chemical Dependency
Services Services
4,6
Maternity and Adoption See Professional, Inpatient or Outpatient 40% after deductible
4
Cochlear Implants See Professional, Inpatient or Outpatient Not Covered
Infertility - Select Services 50% after deductible Not Covered
(Max Plan Payment $1,500/ plan year; $5,000 lifetime)
4
Donor Fees for Covered Organ Transplants 20% after deductible Not Covered
TMJ (Temporomandibular Joint) Services - Up to $2,000 lifetime See Professional, Inpatient or Outpatient Not Covered
OPTIONAL BENEFITS IN-NETWORK OUT-OF-NETWORK
4
Mental Health and Chemical Dependency
Office Visits $15 after deductible 40% after deductible
Inpatient 20% after deductible 40% after deductible
Outpatient 20% after deductible 40% after deductible
2
Residential Treatment 20% after deductible 40% after deductible
4
Injectable Drugs and Specialty Medications 20% after deductible 40% after deductible
4
Bariatric Surgery (Up to one surgery/lifetime) See Professional, Inpatient or Outpatient Not Covered
PRESCRIPTION DRUGS
Prescription Drug List (formulary) RxSelect®
4
Prescription Drugs-Up to 30 Day Supply of Covered Medications
Tier 1 $7 after in-network deductible
Tier 2 $21 after in-network deductible
Tier 3 $42 after in-network deductible
Tier 4 $100 after in-network deductible
4
Maintenance Drugs-90 Day Supply (Mail-Order,Retail90 ® )-selected drugs
Tier 1 $7 after in-network deductible
Tier 2 $42 after in-network deductible
Tier 3 $126 after in-network deductible
Generic Substitution Required Generic required or must pay copay plus cost
difference between name brand and generic
1 Refer to selecthealth.org/findadoctor to identify whether a provider is a primary or secondary care provider.
2 Refer to your Certificate of Coverage for more information.
3 Frequency and/or quantity limitations apply to some preventive care and MMS services.
4 Preauthorization is required for certain services. Benefits may be reduced or denied if you do not preauthorize certain services with out-of-network providers. Please refer to Section 11--"
Healthcare Management", in your Certificate of Coverage, for details.
5 All deductible/copay/coinsurance amounts are based on the allowed amounts and not on the providers billed charges. Out-of-network Providers or Facilities have not agreed to
accept the Allowed Amount for Covered Services. When this occurs, you are responsible to pay for any charges that exceed the amount that SelectHealth pays for Covered Services.
These fees are called Excess Charges, and they do not apply to your Out-of-Pocket Maximum.
6 SelectHealth provides a $4000 adoption indemnity as outlined by the state of Utah. Medical deductible, copay, or coinsurance listed under the benefit applies and may exhaust the benefits
prior to any plan payments.
All covered services obtained outside the United States, except for routine, urgent, or emergency conditions require preauthorization.
To contact Member Services, call 800-538-5038 weekdays, from 7:00 a.m. to 8:00 p.m., Saturdays, from 9:00 a.m. to 2:00 p.m. TTY users should call 711.
Benefits are administered and underwritten by SelectHealth, Inc. SM (domiciled in Utah).
MPS-PLUS HDHP 01/01/20
06/26/20 selecthealth.orgSelectHealth Value®
SelectHealth Value provides access to members PRIMARY CARE PROVIDERS
who live or work in Salt Lake, Utah, Davis, Weber, A Primary Care Provider (PCP) sees patients for
and Tooele counties. SelectHealth Value includes all common medical problems, performs routine
Intermountain Healthcare hospitals, facilities, and
®
exams, and helps prevent or treat illness. You can
physicians, in addition to thousands of contracted trust a PCP to know your health history, be your
doctors. There are over 5,500 providers on the partner in preventive care, and help you find other
Value network. doctors when you need them.
Your Complete Care includes specialists, a free nurse INTERMOUNTAIN CONNECT CARE®
line, telehealth access through Intermountain Connect Visit a provider 24/7 via live online video. Most
Care, and emergencies covered anywhere you are. plans cover this service and you'll never pay more
than $49. Check your ID card or member materials
Wondering whether your current doctor or for coverage information.
neighborhood clinic participates with SelectHealth
Value? To find out, visit selecthealth.org/providers. INTERMOUNTAIN INSTACARE®
Remember to filter your results by choosing What’s open late and costs less than the ER? Our
SelectHealth Value from the drop-down menu. InstaCare® and KidsCare® clinics. If you need urgent
care, these are great options.
HOSPITALS
PCP
Our hospitals span Utah, offering great care and
Health Connect services. Think heart care, cancer treatment,
Answers Care transplant services, women and newborns, and
much more—you name it, they can treat it.
YOUR SPECIALISTS
Emergency
Care COMPLETE InstaCare
When you need more than your PCP, our network
of specialists and surgeons can help—and there are
CARE thousands to choose from.
LOCAL CLINICS
Local Hospitals Intermountain community clinics and contracted
Clinics
clinics are in your area, so you never have to drive
Specialists far to get the care you need. Plus, some clinics have
extended hours!
EMERGENCY CARE
If you have an emergency, call 911 or go to
NEED HELP? the nearest hospital—we’ve got you covered
anywhere you are.
Need help finding a doctor
or making an appointment? INTERMOUNTAIN HEALTH ANSWERS®
Our free nurse line is available 24/7 to ease your
PHONE 800-515-2220
mind. Call 844-501-6600 about any condition.
© 2019 SelectHealth. All rights reserved. 9284597 06/19SelectHealth Med®
PLUS OUT-OF-NETWORK BENEFITS
SelectHealth Med covers all of Utah. The Med network PRIMARY CARE PROVIDERS
includes all Intermountain Healthcare hospitals, facilities,
®
A Primary Care Provider (PCP) sees patients for
and physicians, in addition to thousands of contracted common medical problems, performs routine
doctors. This network also covers specialty care facilities exams, and helps prevent or treat illness. You can
like Primary Children’s Hospital and Huntsman Cancer trust a PCP to know your health history, be your
Hospital for cancer treatment. There are over 7,000 partner in preventive care, and help you find other
providers on the Med network. Plus, with this plan, you
doctors when you need them.
can use out-of-network doctors and facilities for covered
services. INTERMOUNTAIN CONNECT CARE®
Visit a provider 24/7 via live online video. Most
Your Complete Care includes specialists, a free nurse line,
plans cover this service and you'll never pay more
online telehealth access through Intermountain Connect
than $49. Check your ID card or member materials
Care, and pharmacies nationwide.
for coverage information.
Wondering whether your current doctor or neighborhood
INTERMOUNTAIN INSTACARE®
clinic is part of the SelectHealth Med network? To find
What’s open late and costs less than the ER? Our
out, visit selecthealth.org/providers. Remember to filter
InstaCare® and KidsCare® clinics. If you need urgent
your results by choosing SelectHealth Med from the
network drop-down menu. care, these are great options.
HOSPITALS
Our hospitals span Utah, offering great care and
PCP
services. Think heart care, cancer treatment,
Health Connect transplant services, women and newborns, and
Answers Care much more—you name it, they can treat it.
SPECIALISTS
YOUR When you need more than your PCP, our network
Emergency
Care COMPLETE InstaCare of specialists and surgeons can help—and there are
thousands to choose from.
CARE
LOCAL CLINICS
Intermountain community clinics and contracted
Local Hospitals clinics are in your area, so you never have to drive
Clinics
far to get the care you need. Plus, some clinics have
Specialists extended hours!
EMERGENCY CARE
If you have an emergency, call 911 or go to
NEED HELP? the nearest hospital—we’ve got you covered
anywhere you are.
Need help finding a doctor
or making an appointment? INTERMOUNTAIN HEALTH ANSWERS®
Our free nurse line is available 24/7 to ease your
PHONE 800-515-2220
mind. Call 844-501-6600 about any condition.
© 2019 SelectHealth. All rights reserved. 9284597 06/19YOUR HEALTHCARE
Seven Tips to Keep Healthcare Costs Low
We know healthcare can be expensive, but by using the tips below, you can
keep your costs lower.
GET CARE IN THE RIGHT PLACE. Make sure you choose the most appropriate
TIP place for your healthcare needs. Besides helping you save money, this helps you stay
1 healthy and safeguard your benefits. If you’re not sure where to go, you can always call us
at 800-515-2220. And remember, save that trip to the emergency room for only true
emergencies.
TIP USE GENERIC DRUGS WHENEVER POSSIBLE. Talk to your doctor and
2 pharmacist about options for using generic drugs—they can help you get effective
medication at the best price.
TIP STAY HEALTHY. The number one influence on your health is you. Take the time to
3 take care of yourself and your family. Fact: The healthier you are, the less you spend
on healthcare.
TIP
4
GET PREVENTIVE CARE. Preventive care is covered 100% by most plans when you
use in-network providers. Preventive care can help you stay healthy in the long run.
SEE IN-NETWORK PROVIDERS. We’ve said it many times, but it’s worth saying
TIP
5
again. If you go to doctors and facilities in your network, your insurance will pay more and
you will usually pay less for the care you receive. And if you go out-of-network, you will
likely pay more out-of-pocket.
TIP USE A FSA OR AN HSA. Sign up for a plan that pairs with a Flexible Spending
6 Account (FSA) or Health Savings Account (HSA) to pay for your out-of-pocket health
expenses. Remember only certain plans pair with these savings accounts.
MANAGE YOUR CHRONIC ILLNESS. The Care Management team can coordinate
TIP
7
care and find the best way to meet your needs. Current programs include asthma, cancer,
COPD, diabetes, depression, heart disease, high-risk pregnancy, mental health concerns,
and substance abuse. To speak with a care manager, call 800-442-5305.
© 2019 SelectHealth. All rights reserved. 9284597 06/19On the Move?
OUTSIDE OF YOUR SERVICE AREA
In-network benefits apply when you receive
services for urgent or emergency conditions,
no matter where you are.
SAVE MONEY WHEN TRAVELING
To reduce your medical out-of-pocket expenses
while traveling, use the Multiplan and PHCS
networks. If you use providers on these networks,
you won't be responsible for excess charges.
Remember: Always present your ID card when you
visit a MultiPlan or PHCS provider or facility. The
logos on the back of the card give you access to for this coverage, you need to submit a Dependent
the networks. Address Change form, which can be found at
selecthealth.org/forms. The form contains
To find MultiPlan and PHCS providers or
important instructions about which networks your
facilities, call MultiPlan at 800-678-7427 or
enrolled dependent child can use when living
visit multiplan.com/selecthealth. For the greatest
outside your service area—please read it carefully.
savings, search for PHCS providers first. You can
also search for providers and facilities at
IDAHO
selecthealth.org/providers.
SelectHealth Med and SelectHealth Care plans
OUTSIDE OF THE COUNTRY also include in-network benefits in Idaho
through the Brightpath and St. Luke's Health
If you are traveling outside of the country and need
Partners networks.
urgent or emergency care, visit the nearest doctor
or hospital. You may need to pay for the treatment
at the time of service. If you do, keep your receipt
and submit it along with a Claim Reimbursement
Form, which can be found on selecthealth.org/forms.
NEED MORE INFORMATION?
OUT-OF-AREA DEPENDENT CHILDREN WEB
Enrolled dependent children who live outside of
multiplan.com/selecthealth;
selecthealth.org/providers
your service area (maybe they’re going to college
PHONE
or living with another parent) can receive in-
800-678-7427; 800-538-5038
network benefits for covered services. To qualify
© 2019 SelectHealth. All rights reserved. 9284597 06/19We Can Help
Health insurance doesn’t have to be complicated. We can help you
with everything from understanding your benefits to finding the right
doctor. Our customer service teams are dedicated to providing
exceptional service.
MEMBER
SERVICES
We want to help you
understand your insurance plan—
so, when you have a question, give us
a call. We also realize that life doesn’t
always happen between nine and
five, so we’re here late.
7 a.m. to 8 p.m., weekdays
9 a.m. to 2 p.m., Saturdays
800-538-5038
MEMBER
ADVOCATES
ONLINE
We can help you find the right
CUSTOMER SERVICES doctor for your needs. We’ll find
the closest facility or doctor with the
No time for a call? Log in to
nearest available appointment,
your SelectHealth member portal and
schedule appointments for you,
chat with us or request a call back at a
and help you understand and
time that’s convenient for you.
maximize your benefits.
selecthealth.org
800-515-2220
© 2019 SelectHealth. All rights reserved. 9284597 06/19Online Tools
Our secure online member portal is your one-stop shop for information about
your healthcare. The portal can be accessed from your mobile device or
computer by visiting selecthealth.org.
MEDICAL COST ESTIMATOR
We can use your benefits to estimate the cost of many
healthcare services. For example, we can estimate the cost of
cataract removal, including charges for the facility, provider, and
anesthesiologist. Bundling these numbers together, we’ll
estimate how much your plan will cover and what you will pay.
ID CARDS
Lost your ID card? No worries—you can view and print copies
of your card on the SelectHealth member portal.
REQUEST A CALL
Use our call request feature to schedule a call back from our
Member Services team at a set time that’s convenient for you.
CHAT WITH US
No time for a phone call? Use our secure chat feature to talk
with Member Services online. If you need to know whether your
medication will be covered or how much a doctor’s bill was,
chat can help.
HEALTHCARE INFORMATION
View your benefits, claims, and deductible levels.
Many contracted providers and facilities receive secure messages
and will even upload lab results, imaging reports, and other health
information on your Intermountain Healthcare My Health account.
LAU
To access information from your providers, click the blue My
Health button in the right corner of your SelectHealth dashboard.
© 2019 SelectHealth. All rights reserved. 9284597 06/19Intermountain Connect Care®
HALF THE COST OF A DOCTOR’S OFFICE VISIT
When you feel sick or injured, you don’t need to leave the house to get the care you need.
Grab your smartphone or computer and talk with a doctor in minutes.
DID YOU KNOW?
Join in the savings by downloading the Connect
Care app and creating an account. You can also
visit intermountainconnectcare.org to get started.
SelectHealth members
Set up an account now so you’ll be all set when SAVE AN AVERAGE OF $31
you or your family needs care for commonly
treated conditions. See a full list of conditions at
each time* they use
intermountainconnectcare.org. Intermountain Connect Care
instead of visiting the ER, urgent
care clinic, or their doctor’s office.*
GET AN HOUR OF YOUR LIFE BACK WITH CONNECT CARE
A TRIP TO URGENT CARE:*
>>Commute back and forth: 28 minutes
>>Average wait time: 39 minutes
>>Total time: 67 minutes
USING INTERMOUNTAIN
CONNECT CARE:*
>>Stay home and see a doctor: 6 minutes
Save time and money. Set up an
account now so you’ll be all set
when you or your family needs care.
* Data based on internal SelectHealth and Intermountain Healthcare claims and wait time data
© 2019 SelectHealth. All rights reserved. 9284597 06/19SelectHealth Healthy Beginnings®
A free program for moms-to-be? If you’re expecting a new little bundle of joy, there’s no
reason not to sign up!
We want to help you get ready for the birth of
NEED MORE INFORMATION?
your new baby. That’s why we created Healthy
Beginnings , a free program for moms-to-be. We WEB
SM
work with your doctors to help you have a safe and selecthealth.org > Wellness
healthy pregnancy, plus a few more perks to make Resources > Preventive Care
it extra special.
PHONE
GIFT CARDS OR CASH REWARDS 866-442-5052
As part of the program, you can earn a cash gift or
gift card just for going to both of these exams:
1. First prenatal exam prior to the 14th week
of your pregnancy.
2. Postpartum exam within 50 days of your
delivery date.
In addition, a registered nurse or a high-risk
prenatal nurse care manager will be available to
answer your questions, give referrals, and help you
through your pregnancy.
FREE RESOURCES
You also get a welcome kit that includes:
>> Great Expectations — A book about pregnancy.
>> Book Order Form — Another free book of your
choice from our pregnancy and childcare library.
>> Community Resources — Information about
childbirth and breast feeding classes and other
helpful services.
>> Educational Materials — Helpful tips, pregnancy
facts, the month-to-month growth of your baby,
and more.
To sign up for Healthy Beginnings, call 866-442-5052
weekdays, from 8:00 a.m. to 5:00 p.m.
When calling after hours, please leave a message
with a phone number and the best time for us to
reach you. A Healthy Beginnings representative will
return your call.
© 2019 SelectHealth. All rights reserved. 9284597 06/19Preventive Care
For services to be covered as preventive, your
DID YOU KNOW?
doctor must submit claims with preventive codes.
If a preventive service identifies a condition that
needs further testing or treatment, regular copays,
Many of our plans cover
coinsurance, or deductibles may apply. Unless
preventive care 100 percent— otherwise indicated, these services are generally
covered once every 12 months.
that means no copay,
This information is subject to change at any time
coinsurance, or deductible.
and additional limitations may apply. To verify if
your service or supply is considered preventive,
call Member Services at 800-538-5038.
NEED MORE INFORMATION?
WEB
selecthealth.org/wellness-resources
PHONE
800-538-5038
© 2019 SelectHealth. All rights reserved. 9284597 06/19Preventive Care Services
Adult Preventive Services >> Glaucoma Screening Pediatric >> Meningitis
(ages 18 and older) (Every 12 months) Preventive Services >> Varicella
>> Sexually Transmitted (younger than age 18) (including MMVR)
Laboratory Tests
Infections Counseling Procedures/Counseling >> Rotavirus
>> Complete Blood Count
(CBC) >> Dietary Counseling >> Well-Child Visit (preventive >> Human Papillomavirus
>> Prostate Cancer Screening (only for certain diet-related when billed on the following (HPV) (ages 9 to 25)
(PSA) chronic diseases) schedule: birth; 2 to 4 days;
>> Diabetes Screening Immunizations 2 to 4 weeks; 2, 4, 6, 9, 12,
>> Cholesterol Screening 15, and 18 months; ages 2,
>> Influenza
2 1/2; once a year from
>> Gonorrhea Screening >> Tetanus or Tetanus, ages 3 to 18)
>> Human Papillomavirus Diphtheria, and
(HPV) Testing (once every 3 >> Eye Exam
Pertussis (Td, Tdap)
years for women ages 21-65) >> Developmental Testing
>> Pneumococcal
>> Chlamydia Screening >> Newborn Hearing Screening
>> Human Immunodeficiency
>> Hepatitis A Obstetrical
(once per lifetime)
Virus (HIV) Screening >> Meningitis Preventive Services
>> Hearing Screening
>> Syphilis Screening >> Zoster (ages 50 and older (ages 10 and younger) These are specific to pregnant
>> Tuberculosis (TB) Testing OR ages 59 and older) women. To determine which
>> Application of Fluoride
>> Lead Screening >> Human Papillomavirus
additional non-obstetrical services
Varnish (younger than
(HPV) (ages 9 to 25)
may be considered preventive,
>> BRCA 1 & 2 Testing (covered age 5)
please refer to the Adult or
once per lifetime for Contraception Laboratory Tests Pediatric Preventive Services lists.
high-risk individuals who
meet criteria) Most contraceptives are covered >> Newborn Metabolic Laboratory Tests
>> Hepatitis B Virus (HBV) as a preventive service under Screening
>> Iron Deficiency Anemia
Screening (covered for your pharmacy benefits. (younger than age 1)
Screening
high-risk individuals who >> Cervical Cap with >> Human Immunodeficiency
meet criteria) >> Diabetes Screening
Spermicide Virus (HIV) Screening
>> Hepatitis C Virus (HCV) >> Urine Study to Detect
>> Diaphragm with Spermicide >> PKU Screening
Screening (once per lifetime Asymptomatic Bacteriuria
>> Emergency Contraception (younger than age 1)
for individuals over age 50) (first prenatal visit or at 12
(Ella, Plan B) >> Thyroid to 16 weeks gestation)
Procedures (younger than age 1)
>> Female Condom >> Rubella Screening
>> Pap Test >> Sickle Cell Disease
>> Implantable Rod >> Rh(D) Incompatibility
>> Lung Cancer Screening Screening
(between ages 55 and 80) >> IUDs Screening
(younger than age 1)
>> Screening Mammogram >> Generic Oral Contraceptives >> Hepatitis B Infection
Immunizations Screening (at first
>> Colon Cancer Screening (Combined Pill, Progestin
Only, or Extended/ (As recommended by the prenatal visit)
>> Abdominal Aortic Aneurysm
Screening (males only, once Continuous Use) CDC/ACIP) >> Gonorrhea Screening
between ages 65 and 75) >> Patch >> Measles, Mumps, >> Chlamydia Screening
>> Bone Density/DEXA (once >> Shot/Injection Rubella (MMR)
>> Syphilis Screening
every two years in women (Depo-Provera) >> Diphtheria, Tetanus,
ages 60 and older) Pertussis (Dtap, DT, DTP)
Breast-feeding Supplies
>> Spermicide
>> Certain Sterilization and Support
>> Sponge with Spermicide >> Haemophilus Infuenzae
Procedures (such as >> Breast Pump, Electronic AC
>> Surgical Sterilization for Type B (Hib, DtaP-Hib-IPV,
tubal ligation) or DC (one per birth)
Women (Tubal Ligation) DTP-Hib, Dtap-Hib)
Examinations/Counseling >> Polio (OPV, IPV,
>> Lactation Class (one per
>> Surgical Sterilization
>> Physical Exam birth at a SelectHealth-
Implant for Women DtaP-Hep-LPV)
approved facility)
>> Tobacco Use Counseling >> Vaginal Contraceptive Ring >> Influenza
>> Alcohol Misuse Screening >> Pneumococcal
and Counseling >> Hepatitis A
>> Hearing Screening >> Hepatitis B
(ages 65 and older)
This information is subject to change at any time and additional limitations may apply. To verify if your service or supply is considered
preventive, call Member Services at 800-538-5038.
© 2019 SelectHealth. All rights reserved. 9284597 06/19Helping You Manage Your Health
Care managers are specially trained registered nurses
who assist patients with long-term chronic diseases and Asthma
help them recover from surgeries and short-term Cancer
illnesses. They have years of healthcare experience, with Chronic Obstructive
extensive knowledge about facilities, providers, and Pulmonary Disease (COPD)
services. If you qualify for care management, a care Complex joint replacements
manager will work with you and your doctor to make Diabetes
sure you get the most appropriate care and receive help Heart disease
with your benefits and claims.
Hemophilia
In addition to one-on-one support, we provide Hepatitis C
educational materials and follow-up phone calls to help High-risk pregnancy
you manage your condition. Care management is HIV
available for members with the conditions, surgeries, or Some surgeries
illnesses listed here. Please call us to learn more.
NEED MORE INFORMATION?
WEB
selecthealth.org/caremanagement
PHONE
800-442-5305
© 2019 SelectHealth. All rights reserved. 9284597 06/19Helping You Quit
TOBACCO CESSATION
If you smoke, Quit for Life can help. It’s a private
®
program that you follow at your own pace from
home. You receive a Quit Kit and access to a
toll-free Quit Line. If you participate, a trained
smoking cessation counselor will call you and
provide one-on-one coaching and support over the
phone for one year.
The Quit for Life program is covered 100%—no
copay or coinsurance required. Call 866-QUIT-4-LIFE
or visit quitnow.net for more information or to enroll.
The Quit For Life program is brought to you by the
American Cancer Society and Optum. The two
®
organizations have 35 years of combined
experience in tobacco cessation coaching and have
helped more than 1 million tobacco users. Together,
they will help millions more make a plan to quit,
realizing the American Cancer Society’s mission to
save lives and create a world with more birthdays.
NICOTINE REPLACEMENT THERAPY
Most SelectHealth plans include 100% coverage for NEED MORE INFORMATION?
Nicotine Replacement Therapy (NRT), which
WEB
includes prescription drugs or patches that
quitnow.net
can help curb nicotine cravings. Check your
benefits to make sure you have coverage, but most PHONE
of our plans allow two 90-day courses of nicotine 866-QUIT-4-LIFE
replacement medication each year. For more
information about prescribed medication that
may increase your chances to quit smoking, talk
to your doctor.
© 2019 SelectHealth. All rights reserved. 9284597 06/19Know Before You Fill
COMPARE DRUG PRICES CONVENIENT PHARMACY ACCESS
Log in to your SelectHealth member portal to
search for covered medications, compare drug
prices, and see other information about your
INTERMOUNTAIN
prescriptions and benefits. The member portal also HOME DELIVERY PHARMACY
has information about any special requirements,
Get your prescriptions delivered for FREE.
like step therapy or preauthorization, which you
Register online at intermountainrx.org
and/or your doctor may need to complete before
you can fill a prescription. If you ever have or call 855-779-3960.
questions about drugs with special requirements,
call Member Services at 800-538-5038.
SAVE MONEY WITH LOWER-TIER DRUGS INTERMOUNTAIN
The list of drugs covered by your plan will be either SPECIALTY PHARMACY
RxSelect or RxCore . Your member materials and
® ®
Get your specialty drugs or
ID card indicate which drug list you have, and
self-injectables delivered for FREE.
searchable versions of these two drug lists are
available on our website. Ask your doctor to send
prescriptions or call 877-284-1114.
Your drug list will have three or four tiers of
coverage and each tier corresponds to a copay or
coinsurance amount (the amount you pay when
you get drugs at the pharmacy). Look for generics
and lower tier alternatives to pay less for equally
RETAIL 90 ®
effective medications.
Get a 90-day supply of your maintenance
Lowest Cost
$ Tier 1 medications at a participating Retail 90
(mostly generic drugs)
Higher Cost pharmacy—and pay less in most cases.
$$ Tier 2
(generic and brand-name drugs)
Highest Cost
$$$ Tier 3
(mostly brand-name drugs)
Injectable Drugs and
$$$$ Tier 4
Specialty Medications
YOUR LOCAL PHARMACY
NEED MORE INFORMATION?
From major national chains to the corner
WEB
drug store, you can get your prescriptions
selecthealth.org/pharmacyresources;
filled pretty much anywhere. Search for
intermountainrx.org
participating pharmacies at selecthealth.org.
PHONE
800-538-5038; 855-779-3960
© 2019 SelectHealth. All rights reserved. 9284597 06/19SAVING FOR TODAY AND TOMORROW WITH A
Health Savings Account (HSA) from HealthEquity®
An HSA is an untaxed medical savings account you can use to pay for medical-related
expenses. There are a few requirements, but it is a great way to build savings for today
and for your future. Why? Because unlike a Flexible Savings Account (FSA), whatever
you do not spend year-to-year rolls over. To get started:
STEP 1 STEP 2
SELECT AN HSA-QUALIFIED ADD MONEY TO YOUR HSA
HEALTH PLAN
Fund your HSA through pre-tax payroll
Enroll in an HSA-qualified SelectHealth deductions or transfer money into your
plan. These plans typically cost less than account through the HealthEquity member
traditional plans and provide tax-saving portal. Your employer can help you make
opportunities. Our HSA provider, pre-tax payroll deductions.
HealthEquity, will work with your employer
To make tax-free contributions to an HSA,
2
and SelectHealth to automatically set up
the IRS requires that:
your account and send you a HealthEquity
>> You are covered by an HSA-qualified
Visa® Health Account Card to conveniently 1
health plan.
pay for eligible medical expenses. >> You have no other health coverage (such
as another health plan, Medicare, military
health benefits, or medical FSA).
>> You are not Medicare-eligible.
>> You cannot be claimed
as a dependent on
another person’s
tax return.
To see how you can personally benefit from an HSA, visit HealthEquity.com/Me.
1 This card is issued by The Bancorp Bank, pursuant to a license from U.S.A., Inc. and can be used for qualified expenses. See Cardholder Agreement for complete
usage instructions.
2 HSAs are not taxed at the federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free
with very few exceptions. Please consult a tax advisor if you have questions.
© 2019 SelectHealth. All rights reserved. 9284597 06/19Member Discounts
HEALTH
CLUBS
CHILD
SUNGLASSES SAFETY
We know that embracing a
healthy lifestyle is easier when
it costs less. As a SelectHealth COSMETIC
MASSAGE
member, you have access to discounts DERMATOLOGY
THERAPY
on everyday products and services.
. .
Check out discounts.selecthealth.org
for more information and to find
participating businesses.
Remember, some offers have
exclusions or limitations.
LASIK
EYEWEAR
VISION
SURGERY
HEARING ACUPUNCTURE
AIDS
NEED MORE INFORMATION?
WEB PHONE
selecthealth.org/discounts 800-538-5038
© 2019 SelectHealth. All rights reserved. 9284597 06/19Plan Information
CARE AND COST MANAGEMENT EXCLUSIONS AND LIMITATIONS
SelectHealth works to manage costs while Unless otherwise noted on your Member Payment
protecting the quality of care. We review things Summary, there are some healthcare services
such as the appropriateness of the care setting, that SelectHealth does not cover. Please visit
medical necessity, and appropriateness of hospital selecthealth.org/policy to learn more about
lengths of stay. This helps reduce unnecessary some of the services that are not covered or
medical expenses and keeps premiums as low as have coverage limitations. You can also read
possible. For more information about how we more about exclusions and limitations in your
help manage healthcare, including information Member Materials.
about services that require preauthorization or
to know how to file an appeal, please visit
MEMBER RIGHTS AND RESPONSIBILITIES
selecthealth.org/policy.
We want you to be an active part of your
healthcare. Visit selecthealth.org/policy to view
PROTECTING YOUR PRIVACY
your member rights and responsibilities.
We understand the importance and sensitivity of
your personal health information, and we have
PRINTED VERSIONS AVAILABLE
security measures in place to protect it. For more
information about how we protect your privacy, If you would like to request a printed copy of any
including our complete Notice of Privacy Practices, or all of these notices, call Member Services at
please visit selecthealth.org/policy. 800-538-5038 weekdays, from 7:00 a.m. to 8:00
p.m., and Saturdays, from 9:00 a.m. to 2:00 p.m.
NEED MORE INFORMATION?
WEB
selecthealth.org/policy
PHONE
800-538-5038
© 2019 SelectHealth. All rights reserved. 9284597 06/19Retiring? Have a child dependent
who is turning 26? If you're shopping
for a health plan, call our experts at
855-442-0220
5381 Green Street
Murray, UT 84123
800-538-5038
selecthealth.orgYou can also read
