Ambetter insurance sunshine health

Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter coverage, …

Ambetter insurance sunshine health. Sunshine Health delivers quality healthcare solutions that help Florida residents live better. And with Ambetter, our Health Insurance Marketplace insurance plan, we offer a variety of affordable options that make it easier to stay healthy—and to stay covered. At Sunshine Health, we believe that nothing is more important than your health.

Ambetter from Sunshine Health Makes it Easier than Ever to Get Health Insurance Coverage . Date: 12/05/19 Sunrise, Florida. Open enrollment is underway for health insurance coverage through the Health Insurance Marketplace, and this year, Ambetter from Sunshine Health is providing a simpler, easier way for new and renewing consumers to shop for and enroll in health insurance directly from its ...

If you need help, call Provider Services at 1-877-687-1169 (Relay Florida 1-800-955-8770) Monday through Friday from 8 a.m. to 8 p.m. Eastern. Stay up to date on Ambetter from Sunshine Health provider notices by reviewing and bookmarking Provider News.How to Enroll. Benefits. My Health Pays®. Ambetter Telehealth. Pharmacy Program. Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace. Our Benefits. Better Coverage. Better Perks. Ambetter Health is on a Mission for Better, and that means better coverage and better perks for you. Beyond great everyday benefits like Virtual 24/7 Care*, members have access to exclusive programs like My Health Pays®** and Ambetter Perks. We’re adding value to your affordable health insurance plan. FORT LAUDERDALE, Fla., Dec. 7, 2023 /PRNewswire/ -- Ambetter from Sunshine Health, a product offered by wholly owned subsidiaries of Centene Corporation (NYSE: CNC) which provide insurance to ...About Our Plans. Ambetter Health offers Marketplace insurance plans with different coverage and premium levels. Learn more about our affordable healthcare plans and compare each plan's monthly premium payment and out-of-pocket expenses. Find the Ambetter Health plan that works best for you. Ambetter Bronze, Silver, and Gold. Ambetter Select Plans.

If you need help, call Provider Services at 1-877-687-1169 (Relay Florida 1-800-955-8770) Monday through Friday from 8 a.m. to 8 p.m. Eastern. Stay up to date on Ambetter from Sunshine Health provider notices by reviewing and bookmarking Provider News.The procedures for filing a Complaint/Grievance or Appeal are outlined in the Ambetter member's Evidence of Coverage. Additionally, information regarding the Complaint/Grievance and Appeal process can be found on our website at Ambetter.SunshineHealth.com or by calling Ambetter at 1-877-687-1169.Every Ambetter insurance plan offers all of your Essential Health Benefits: Emergency services, outpatient or ambulatory services, preventive and wellness services, maternity and newborn care, pediatric services, mental health and substance abuse services, laboratory services, prescription drugs, therapy services (such as physical therapy) and ...Virtual 24/7 Care gives you easy access to care for non-emergency issues. You can get medical advice, a diagnosis or a prescription using your mobile phone, tablet or computer. With 24-hour access, you can choose to receive immediate care or schedule an appointment that fits in your schedule. Virtual 24/7 Care is like a PCP and treats things ... Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter Health coverage, access options for care and much more — all in one place. Your Ambetter online member account puts you in control of your health plan. Discover all the ways you can ... Sunshine Health has contracted with the following vendors for service: Access Behavioral Health. External Link. (Medicaid, Child Welfare Specialty Plan, Long Term Care, Serious Mental Illness, Children's Medical Services Health Plan) 1-866-477-6725. [email protected] make it possible for you to talk to a registered nurse at any time—24 hours a day, 7 days a week, 365 days a year. Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Our nurse advice line helps you and your family receive the care you need, when you need it. It’s staffed with experienced nurses who are ready and eager to help you.

Ambetter from Sunshine Health is a Qualified Health Plan issuer in the Florida Health Insurance Marketplace. Ambetter from Sunshine Health complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.Ambetter Health products are offered by Centene Corporation, a Fortune 500 company with morethan 30 years of experience in the managed care industry. All Ambetter Health plans are certified as Qualified Health Plans on the Health Insurance Marketplace or the specific state exchanges. For nearly a decade, our Ambetter Health product has been ...Our Benefits. Better Coverage. Better Perks. Ambetter Health is on a Mission for Better, and that means better coverage and better perks for you. Beyond great everyday benefits like Virtual 24/7 Care*, members have access to exclusive programs like My Health Pays®** and Ambetter Perks. We're adding value to your affordable health insurance plan.El Formulario de Ambetter from Sunshine Health, o la Lista de medicamentos recetados, es una guía de los medicamentos de marca y genéricos disponibles que están aprobados por la Administración de Alimentos y Medicamentos (FDA) y que están cubiertos a través de su beneficio de medicamentos recetados.All the health plans offered on the Health Insurance Marketplace include certain items or services, or Essential Health Benefits (EHBs). When you choose Ambetter Health, you're covered on these essential medical care and wellness services: Emergency Care. Outpatient or Ambulatory Care. Preventive & Wellness Care.

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Ambetter from Sunshine Health is an affordable health insurance plan offered on the Florida marketplace. Learn more and enroll today!Sunshine Health's Healthy Behaviors program aims to help members improve their health and wellness. The program also helps members manage chronic conditions and build relationships with their providers. Known as My Health Pays, the program lets members earn dollar rewards by completing healthy activities. Read the full 2022-2023 evaluation (PDF).Providers are asked to verify member eligibility by using the Sunshine Health secure provider portal. Using the portal, any registered provider is able to quickly check member eligibility by indicating the date of service, member name, and date of birth or the Medicaid ID number and date of birth. Providers may call Provider Services at 1-844 ...Ambetter Health offers affordable Health Insurance Marketplace plans. At Ambetter Health, we provide you with the benefits, tools, and coverage you need to take charge of your health. Ambetter Health insurance benefits include: Virtual 24/7 Care. My Health Pays® rewards program.Behavioral Health/Substance Abuse need to be verified by Sunshine Health. Oncology Biopharmacy, Radiation Oncology drugs, and administration of Radiation Oncology need to be verified by Evolent. Drug authorizations need to be verified by Envolve Pharmacy Solutions; for assistance call 866-399-0928. Post-acute facility (SNF, IRF, and LTAC) prior ...Welcome to Ambetter from Sunshine Health ("Ambetter"). Thank you for participating in our network of high- ... Ambetter's Health Insurance Marketplace plans target a consumer population of lower income, previously uninsured individuals, and families who, prior to having this health insurance, may have been Medicaid-eligible or unable to ...

Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace.Contacting Member Services. You may call us at 1-866-796-0530, or TTY at 1-800-955-8770, Monday through Friday, 8 a.m. to 8 p.m., but not on state approved holidays (like Christmas Day and Thanksgiving Day). When you call, make sure you have your identification card (ID card) with you so we can help you. If you lose your ID card, or if it is ... The following are services that may require a referral from your PCP: Specialist services, including standing or ongoing referrals to a specific provider. Diagnostic tests (X-ray and lab) High tech imaging (CT scans, MRIs, PET scans, etc.)*. Planned inpatient admission*. Clinic services. Renal dialysis (kidney disease)*. Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter coverage, …Review fromLeomar L. 1 star. 02/26/2024. - I never was able to use my insurance, because of the intentional duplication, and change in my date of birth by Ambetter Health Insurance I did send to ...Your Ambetter Onli. ne Member Account. Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter coverage, access options for care and much more — all in one place. Your Ambetter online member account puts you in control of your health plan.Start Coverage. After you enroll and pay your first month's premium, you'll receive your Ambetter Health welcome information. This will include your new Ambetter Health ID Card! Then you're covered! Enroll in an Ambetter Health plan in four simple steps! Enter your details, compare options, choose the best plan for you, and kick-start ...Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace.

Healthcare Administration Jobs in Florida | Sunshine Health. Build relationships with some of the most dynamic leaders in the health insurance industry while fulfilling a vision that brings meaning to work every day. Opportunities are waiting for you at Sunshine Health - with a breadth and depth of career tracks designed to bring out your ...

Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter Health coverage, access options for care and much more — all in one place. Your Ambetter online member account puts you in control of your health plan. Discover all the ways you can ... Ambetter Health Insurance plans are underwritten by, wholly-owned subsidiaries of Centene, who are Qualified Health Plan issuers in certain states, as indicated below. Centene and its wholly-owned subsidiaries comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability ...At Ambetter from Sunshine Health, we know that the more options your Ambetter patients, our members, have to see and communicate with their healthcare providers, the better. ... Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance ...Healthy partnerships are our specialty. With Ambetter Health, you can rely on the services and support that you need to deliver the best quality of patient care. You’re dedicated to your patients, so we’re dedicated to you. When you partner with us, you benefit from years of valuable healthcare industry experience and knowledge.Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace.Sunshine Health, which has been serving Florida since 2007, also offers Medicare and Medicaid coverage. It has more than 1 million members statewide. 1. Ambetter provides Marketplace plans in 20 states nationwide, covering over 2 million members. 2 Plans are underwritten by Celtic Insurance Company, part of the multinational Centene Corporation.અનુવાદ અથવા સહાયક સેવાઓ પ્રાપ્ત કરવા માટે, કૃપા કરીને 1-877-687-1169 ( Relay Florida 1-800-955-8770) પર સભ્યની સેવાઓનો સંપર્ક કરો. If you, or someone you're helping, has questions about Ambetter from Sunshine ...Use the following resources to help determine the best place to go for some of the most common medical situations: Welcome to the Ambetter Member Portal. Log into your account, find a provider, pay your premium, and more! Become an Ambetter from Arkansas Health & Wellness member today and take charge of your health.

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Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace.If you file a paper return, you can get Form 8962. Using these two forms to file your taxes correctly and on time is very important! If you don't, you may lose your tax credit, resulting in higher premiums and possible loss of coverage. Don't forget: the filing deadline for your federal taxes is April 15, 2024. Frequently Asked Questions. Ambetter Health is here to help. Learn more about health insurance so you can make an informed decision about what plan is best for you. If you need additional help, please contact the Ambetter Health team at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Our Utilization Management Department is available Monday through Friday from 8 a.m. to 6 p.m. at 1-866-796-0530, during normal working days. Nurse Advice Line staff are available 24/7 for after-hour calls. Last Updated: 02/21/2024. Find out if you need a Medicaid pre-authorization with Sunshine Health's easy pre-authorization check.Open enrollment for the Health Insurance Marketplace for Florida runs from Nov. 1, 2023, through Jan. 15, 2024. Ambetter from Sunshine Health offers its members access to quality care, convenient ...While the 26 European countries that make up the Schengen Area allow free travel between their borders, getting in isn’t so simple. One solution for people looking to visit Europe ...View our 2023 Ambetter Plan Brochure to see the valuable benefits each plan has to offer. 2023 Ambetter Select Plan Brochure (PDF) 2023 Ambetter Value Plan Brochure (PDF) 2023 Ambetter Virtual Access Plan Brochure (PDF) Plans may vary by county. Please enter your zip code to see plans available in your area. Health Savings Accounts (HSAs) are ... Contact us at 1-877-687-1169 ( Relay Florida 1-800-955-8770) and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status. **Formerly known as Ambetter Telehealth. Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care. Ambetter Health Insurance History and Mission. Ambetter Health Insurance is a publicly traded healthcare company that provides a range of healthcare services and products to government-sponsored and commercial healthcare programs. The company was established in 2010 and operates in multiple states across the United States.200 East Gaines Street. Tallahassee FL 32399. (850) 413-3140. https://www.floir.com. BBB records show a license number of 87109/NAIC13148 for this business, issued by Florida Office of Insurance ...Open enrollment for the Health Insurance Marketplace for Florida runs from Nov. 1, 2023, through Jan. 15, 2024. Ambetter from Sunshine Health offers its members access to quality care, convenient ...Ambetter from Sunshine Health: 1-877-687-1169 (Relay Florida: 1-800-955-8770) | Ambetter.SunshineHealth.com | Thank you for choosing us as your health insurance plan. We're excited to help you take charge of your health and to help you lead a healthier, more fulfilling life. ….

Our Benefits. Better Coverage. Better Perks. Ambetter Health is on a Mission for Better, and that means better coverage and better perks for you. Beyond great everyday benefits like Virtual 24/7 Care*, members have access to exclusive programs like My Health Pays®** and Ambetter Perks. We're adding value to your affordable health insurance plan.El Formulario de Ambetter from Sunshine Health, o la Lista de medicamentos recetados, es una guía de los medicamentos de marca y genéricos disponibles que están aprobados por la Administración de Alimentos y Medicamentos (FDA) y que están cubiertos a través de su beneficio de medicamentos recetados. Sunshine Health offers affordable Florida Medicaid, Medicare Plans and our Health Insurance Marketplace product, Ambetter. Get covered with Sunshine Health today. Contact us at 1-877-687-1169 ( Relay Florida 1-800-955-8770) and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status. **Formerly known as Ambetter Telehealth. Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care.Ambetter Health offers the following Health Management Programs: Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). If you have a chronic health condition, Ambetter from Sunshine Health can help you identify symptoms and manage the side effects. Learn more about our health management programs.Ambetter is a health insurance company owned by the Centene Corporation, which is a multi-national healthcare company that provides programs and services to under-insured and uninsured individuals. Ambetter offers customers affordable health care plans in 14 states including Arkansas, Arizona, Georgia, Florida, Indiana, and Nevada, among others.And if you have a severe medical condition, our Care Managers will work with you, your PCP and managing providers to develop a plan of care that meets your needs and your caregiver’s needs. Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Ambetter from Sunshine Health's care management services can help you better manage your ...You can call 1-866-799-5321 (TTY 1-800-955-8770) Monday through Friday 8 a.m. to 8 p.m. Eastern. We look forward to serving you. Children's Medical Services Health Plan is a plan for children and youth less than 21 with serious, chronic conditions.Procedures For Filing Claim/Encounter Data. Claim Resubmissions, Adjustments And Disputes. Common Billing Errors. Sunshine Health offers affordable Florida Medicaid, Medicare Plans and our Health Insurance Marketplace product, Ambetter. Get covered with Sunshine Health today.EPO Plan Brochures & Summaries of Benefits & Coverage underwritten by Celtic Insurance Company. We want to help you find the Ambetter health plan that best fits your budget and your health needs. Use the filters below to narrow your search results and compare our plans. View our 2023 Ambetter Plan Brochure (PDF) to see the valuable benefits ... Ambetter insurance sunshine health, Price & Details. Standard Ambetter Virtual Access Expanded Bronze (Virtual PCP selection required) by Ambetter from Sunshine Health. Obamacare. Bronze. $7,500 / $15,000. $9,400 / $18,800. Price & Details. Elite SELECT Bronze with Select Providers by Ambetter from Sunshine Health. Obamacare., Your Ambetter online member account is a powerful tool you can use anytime to manage your insurance plan. There, you can find information about your Ambetter coverage, …, Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace., And if you have a severe medical condition, our Care Managers will work with you, your PCP and managing providers to develop a plan of care that meets your needs and your caregiver’s needs. Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Ambetter from Sunshine Health's care management services can help you better manage your ..., Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770) or contact your broker directly. Remember to check Ambetter Health's 2024 Preferred Drug List for all covered drug updates. Great coverage and benefits just for you. As an Ambetter Health member, you have access to a variety of benefits. , Search our accepted insurances list. This list shows all of the insurances that UF Health has contracts with. It is not a guarantee that of network participation with all payers. Before making an appointment, please contact your insurance plan to verify your benefits and referral and authorization requirements. See all., Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace., Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace. , Ambetter from Sunshine Health will continue to manage claims and appeals for all services. CareCentrix will contact you shortly to provide information and training regarding the post-acute program and new authorization so you are well informed by Oct. 1, 2021. If you have questions, please call provider services at 1-877-687-1169 or contact ..., Public health insurance is subsidized or paid for by government funds. Government funded insurance programs include Medicare, Medicaid and the Children's Health Insurance Program. ..., Ambetter Health is here to help. Learn more about health insurance so you can make an informed decision about what plan is best for you. If you need additional help, please contact the Ambetter Health team at 1-877-687-1169 ( Relay Florida 1-800-955-8770 )., A health insurance policy number is essentially an account or identification number assigned to an individual or family covered by a health insurance provider., Ambetter from Sunshine Health is an insurance provider from Centene Corporation—a Fortune 500 company with over 30 years of experience in Managed Care. Ambetter health insurance plans are designed to improve the health of its members through compassionate, coordinated care provided locally. Offering integrated, high-quality, and affordable ..., As an Ambetter from Sunshine Health member, you can maximize your pharmacy benefits by filling your prescriptions by mail. Eligible members may save when ordering a 90-day supply*. ... Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance ..., Ambetter is the insurance plan that Sunshine Health offers on the Florida Health Insurance Marketplace. 3, first paragraph The core belief of the company is that high-quality healthcare is best delivered locally. 3, first paragraph Sunshine Health is owned by Centene Corporation, a Fortune 500 company with over 30 years of experience in the ..., Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770) or contact your broker directly. Remember to check Ambetter Health's 2024 Preferred Drug List for all covered drug updates. Great coverage and benefits just for you. As an Ambetter Health member, you have access to a variety of benefits., Health Insurance Marketplace makes buying health insurance easier. The Affordable Care Act is the law that has changed healthcare. The goals of the ACA are: ... Ambetter from Sunshine Health 1301 International Parkway Suite 400 Sunrise, FL 33323 1-877-687-1169 Relay: 1-800-955-8770, And if you have a severe medical condition, our Care Managers will work with you, your PCP and managing providers to develop a plan of care that meets your needs and your caregiver’s needs. Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Ambetter from Sunshine Health's care management services can help you better manage your ..., Public health insurance is subsidized or paid for by government funds. Government funded insurance programs include Medicare, Medicaid and the Children's Health Insurance Program. ..., From renewing your coverage each year to making regular doctor’s appointments, health insurance plays a big role in your care — and it can also get pretty complex. When you’re sear..., To conduct other HIPAA transactions not listed, please contact our EDI department at 1-800-225-2573, ext. 6075525. The following list contains contact information for the trading partners currently active with our health plan. All providers are encouraged to contact one of these trading partners to utilize our electronic transaction options., Sunshine State (Sunshine Health) Sunshine State (Sunshine Health) Healthy Kids; United Healthcare (Community) United Healthcare (Healthy Kids) Urgent Care Without Insurance Coverage. If you have no insurance, or if your plan does not cover treatment at AdventHealth Centra Care, we offer self-pay options and convenient payment plans., Choose one of these options: Your home state. Ambetter member ID number. Last 6 digits of your SSN. Use Ambetter's tool to help you find an in-network doctor, specialist, or …, Roughly 87 percent of the Ambetter reviews on Best Company gave a 1-star rating. Complaints against Ambetter include poor customer service, difficulty with pre-authorization, and high costs for limited coverage. Most customers do not recommend buying healthcare coverage from this insurance company. View Ambetter Reviews and Complaints., And if you have a severe medical condition, our Care Managers will work with you, your PCP and managing providers to develop a plan of care that meets your needs and your caregiver’s needs. Call us at 1-877-687-1169 ( Relay Florida 1-800-955-8770 ). Ambetter from Sunshine Health's care management services can help you better manage your ..., Ambetter of Tennessee is underwritten by Celtic Insurance Company which is a Qualified Health Plan issuer in the Tennessee Health Insurance Marketplace. This is a solicitation for insurance. ©2024 Celtic Insurance Company, AmbetterofTennessee.com. If you, or someone you're helping, have questions about Ambetter of Tennessee, Expand ..., You can keep it when you change jobs or retire. If you have any additional questions, please contact us at 1-877-687-1169. Important: HSA funds cannot be used to pay Ambetter premiums. Ambetter from Sunshine Health offers an easy way to save & pay for approved healthcare costs. Learn more about the Ambetter Health Savings Account Benefits., Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace., Start Coverage. After you enroll and pay your first month's premium, you'll receive your Ambetter Health welcome information. This will include your new Ambetter Health ID Card! Then you're covered! Enroll in an Ambetter Health plan in four simple steps! Enter your details, compare options, choose the best plan for you, and kick-start ..., Coronavirus Resource Center. Visit the CDC for the most up-to-date information on coronavirus. Please visit your state or county site for update-to-date COVID-19 information in your local community. Ambetter will cover COVID-19 related testing at no cost to you. You do not need prior authorization., About Our Plans. Ambetter Health offers Marketplace insurance plans with different coverage and premium levels. Learn more about our affordable healthcare plans and compare each plan's monthly premium payment and out-of-pocket expenses. Find the Ambetter Health plan that works best for you. Ambetter Bronze, Silver, and Gold. …, Ambetter from Sunshine Health includes EPO products that are underwritten by Celtic Insurance Company, and HMO products that are underwritten by Sunshine State Health Plan, Inc., which are Qualified Health Plan issuers in the Health Insurance Marketplace., 2023 Health plan information for CMS Standard Silver by Ambetter from Sunshine Health. Skip to content. Facts on Health Insurance. Find Health Plans. Get Help from a licensed agent. 1-877-668-0904 ; ... FactsOnHealthInsurance.com is a free-to-use informational website. We do not directly sell health insurance or offer professional legal ...