Willamette Valley Pediatrics

Menu Reservations Make Reservations. Willamette Valley Community Health WVCH is a coordinated care organization CCO serving residents of Marion and Polk.

Taking Care Of Your Child S Health And Wellness During Covid 19 Willamette Valley Medical Center

Our family music classes are for ages Birth -.

Willamette valley pediatrics. Get information and reviews on prescription drugs over-the-counter medications vitamins and supplements. Willamette Falls Pediatric Group Office Locations. Willamette Valley Community Health Salem Oregon.

Search by name or medical condition. Reviews 503 435-4520 Website. Miller graduated from the Oregon Health Science University School of Medicine in 1979.

We live shop eat and play in the great Pacific Northwest and we wouldnt have it any other way. Best of the Willamette Valley. The Down Syndrome Parents Group of Western New York is a non-profit organization consisting of self advocates.

Down Syndrome Parents Group of Western New York. Oregon Governor Kate Brown recently signed a critical health and safety bill into law that protects kids by requiring children under age 2 to ride in rear-facing car seatsThe new law makes Oregon the sixth state in the country to raise car seat standards to align with recommendations from the American Academy of Pediatrics. At Willamette Valley Pediatrics and Adolescent Medicine we understand your childs health and well-being is your biggest concern and we want you to know it is ours as well.

Health Screening Well child checks for newborns through high school age. Currently Willamette Falls Pediatric Group specializes in Internal MedicinePediatrics Pediatrics and Nurse Practitioner with 3 physicians. 6926 likes 29 talking about this 5313 were here.

News Doctor Finder has compiled extensive information in each doctors profile including where he or she was educated and trained which. Christina Miller Internal MedicinePediatrics in Albany OR. Doctors at Willamette Valley Medical Center.

See Reviews Make an Appointment. An unparalleled approach to. Currently Willamette Family Medical Center specializes in Adolescent Medicine Emergency Medicine Family Medicine Internal MedicinePediatrics Pediatric Critical Care Medicine Pediatrics.

Willamette Valley Orthopedics 2700 SE Stratus Ave Mcminnville OR 97128. Willamette falls pediatric gp - canby p00276 willamette falls pediatric gp - ore p00015 willamette family medical center p00828 willamette valley pediatrics 000202 winding waters clinic pc 000203 winding waters joseph 000101 woodburn pediatric clinic xyy 000033 yamhill co health dept 000072 yellowhawk tribal health center 000198. Partnering with the patient and family in preventative health.

569 likes 2 talking about this. Willamette Valley Music Together Hubbard Oregon. Willamette Valley Pediatrics and Adolescent Medicine Appointments may be made by calling 9712875111 or Schedule an Appointment Online.

271 likes 13 were here. Willamette Valley Cancer Institute and Research Center Eugene Oregon. She works in McMinnville OR and 1 other location and specializes in.

Sing dance play and learn with us at your childs first music school. Monitoring both physical and emotional growth and development. 1424 likes 65 talking about this.

Working together to give. Get directions reviews and information for Willamette Valley Orthopedics in Mcminnville OR.

Menorah Center For Rehabilitation And Nursing Care

Reviews from Menorah Center for Rehabilitation and Nursing Care employees about Menorah Center for Rehabilitation and Nursing Care culture salaries benefits work-life balance management job security and more. Menorah offers short-term sub-acute rehabilitation and long-term nursing care.

A Floor Buffer With The Smooth Touch The New York Times

Care Nursing Assistant Aug 2013 Present Menorah Center For Rehabilitation and Nursing Care Brooklyn New York.

Menorah center for rehabilitation and nursing care. Long term care services are ideal for patients who have a chronic illness or disability and may not be able to care for themselves for extended periods of time. Nahlásit tento profil Pár slov o mně. Připojte se chcete-li navázat spojení Menorah Center for Rehabilitation and Nursing care.

Apply to Nursing Assistant Licensed Practical Nurse Nursing. The encompassing area is densely populated with approximately 80000 individuals residing in the 11235 zip code. We offer 24-hour nursing care and 7 day a week rehabilitation to meet the required assistance with the activities of daily life such as dressing bathing and administration of medications.

Our range of health care services include home care hospice and palliative care for adults and children two skilled centers for rehabilitation and nursing care. Rated 5 stars overall by US News World Report in 2014 2015 we are a not-for-profit state-of-the-art center staffed with highly-trained professionals. Section 1 Pandemic Communication Plan.

Natalie Yakovleva Administrator 1516 Oriental Blvd. Menorah Center for Rehabilitation Nursing Care 36 Brooklyn NY 11220 Sunset Park area Provides supervision during a specific shift to all Nursing Staff to assure quality of care. Menorah will ensure that all federal state and local directives and guidance are appropriately followed during a pandemic event.

Intern at Menorah Center for Rehabilitation and Nursing care Hlavní město Praha Česká republika 236 spojení. Rendered tracheostomy care Maintain universal precaution. About Menorah Center for Rehabilitation and Nursing Care Menorah Center for Rehabilitation and Nursing Care is a 320 room nursing home facility situated in the Manhattan Beach neighborhood of Brooklyn New York.

Skilled Nursing Care At Menorah House we understand changes in health care needs can fill families with uncertainty. Menorah House Rehabilitation and Nursing Center is available for the local community and all. Menorah Center for Rehabilitation and Nursing Care is an approved Medicaid facility.

It is usually provided at a center for rehabilitation and nursing care nursing home but can also be provided in an assisted living facility or at home. Not Listed See Affiliated Facilities. Menorah Center for Rehabilitation and Nursing care 18 sledujících uživatelů na LinkedIn.

Menorah Center for Rehabilitation and Nursing Care. Menorah Center for Rehabilitation and Nursing care is a medical practice company based out of 1516 ORIENTAL BLVD Brooklyn New York United States. Whether your physician recommends short- or long-term care the services will be paid in part or in full by Medicare Medicaid managed long-term care providers including HMOs private insurance or other third-party payers as well as private pay.

Menorah House Rehabilitation and Nursing Center is a proud Glatt Kosher Facility certified under the ORB and under the direct supervision of Rabbi Issaac Jalusi. Saint Vincent Catholic Medical Centers Home. Brooklyn NY 11235 Phone.

The priority of Menorah Center for Rehabilitation and Nursing Care is to maintain a safe and healthy workplace and minimize the transmission of a virus to residents and staff. Depending on what your specific needs are you can choose to recover at home through our MJHS Home Care program or at one our centers for rehabilitation and nursing care. Isabella Geriatric Center Inc.

Isabella located in northern Manhattan or at Menorah Center located directly on the ocean in Brooklyn. Our caring staff provides peace of mind to families and individuals going through this transition. Isabella in northern Manhattan and Menorah Center in Brooklyn as well as the research-based MJHS Institute for.

Nursing home nursing RN long term care RN subacute RN. Ensured safety and well being of patients.

Modern Urgent Care Near Me

They are open today from 800AM to 800PM helping you get immediate care. They are open today from 900AM to 500PM helping you get immediate care.

Modern Urgent Care Near Me

2519 E Whitmore Avenue Ceres CA 95307 209 537-4700.

Modern urgent care near me. Modern Urgent Care is an urgent care center and medical clinic located at 1630 W Yosemite Ave in MantecaCA. Family Friendly Urgent Care in Houston. In-House Lab Tests X-Rays.

900-700 PM last patient at 630 PM Weekends. I have never felt so cared for as a patient and the staff is remarkable. When you or your love ones are sick you will need to quickly decide where you want to seek medical help.

Whether its bronchitis routine vaccination or Covid. Convenience is everything these days. Womens Health.

Modern Urgent Care is a walk-in clinic that is open late and after hours patients can also conveniently book online using Solv. Health care workers and high-risk patients are priority groups for the Tier 1 phase of the vaccine rollout. 900-500 PM last patient at 430 PM.

For most getting to the nearest clinic is probably the top most criteria. They also offer labs and tests on-site. Who wants to travel another 45 minutes to see a doctor when you are feeling sick- no one for sure.

Explore other popular Health Medical near you from over 7 million businesses with over 142 million reviews and opinions from Yelpers. CALL NOW 832 879-2450. 900-700 PM last patient at 630 PM Weekends.

Ive used a number of Urgent Care centers in the ModestoCeres area but I have to say that none compare to Modern Urgent Care when it comes to care and compassion. For more information call ModernMD Urgent Care at 646 6048150. LGBTQ Health.

They also offer labs and tests and vaccinations on-site. Patients have used words like ambiance bedside manner and timeliness to describe their experience atModern Urgent Care which has garnered an average rating of 39. Skip to Main Content 832 879-2450 BOOK APPOINTMENT.

Urgent care meanwhile offers the same quality of care with same-day access diagnosing and treating dozens of minor injuries and illnesses. 1630 W Yosemite Avenue Suite 1 Manteca CA 95337 209 629-8771. ModernMD Urgent Care is a walk-in clinic that is open late and after hours patients can also conveniently book online using Solv.

This place has it all starting with people who love what they do always important the staff and Dr genuinely cared. 900-500 PM last patient at 430 PM. Modern Urgent Care is an urgent care center in Ceres and is open today from 900AM to 500PMThey are located at 2519 E Whitmore Ave and open 7 days per week.

Its like youve known them forever. From the staff on the frontlines to the Manager and Providers they just get it. Urgent Care Near Me Urgent Care Open Now.

Urgent care has been growing at a faster pace than any other healthcare service in the United States. ModernMD Urgent Care is a urgent care located 436 Utica Ave Crown Heights NY 11213 providing immediate non-life-threatening healthcareservices to the Crown Heights area. 41 reviews of Modern Urgent Care If youre looking for the BEST urgent care I suggest you dont hesitate going here.

Urgent Care Clinic Near Me Open Now 24 Hours. Find Urgent Care services. Enter walk-in clinics which fall under many different sub-categories including urgent care pediatric urgent care retail clinics and more.

ModernMD Urgent Care is open Mon Tue Wed Thu Fri Sat Sun. Overall Wellness From preventive care to chronic issues our primary care providers are here for you. I have been to MANY urgent cares in my life but this one in particular is special.

Walk in Clinic With Full Range of Services Near Houston TX 77008. Find the best Urgent Care Walk in Clinic near you on Yelp - see all Urgent Care Walk in Clinic open now. Nationally we are seeing urgent care patients wait.

And it is why healthcare consumers search for urgent care and urgent care near me more. They know how to give medical care and make it personal. In a world where next day shipping is being trumped with same day shipping who would want to wait several weeks to get into your primary care physician.

Virtual Visits Chat with your provider in real-time. Enter a location below to continue or browse all locationsYou can also narrow your search. ModernMD Urgent Care is an urgent care center and medical clinic located at 1169 Liberty Ave in BrooklynNY.

Moderna COVID-19 Vaccine Near Me Xpress Urgent Care is part of the Moderna COVID-19 vaccines distribution efforts as it becomes available in Orange County California. If you decide to go for urgent care treatment there are a few.

Da Vinci Surgical System Price

Designed to overcome cost and utilization barriers so more patients have access to care. Another criticism brought to the da Vinci Surgical System is its high price.

Questions Arise About Robotic Surgery S Cost Effectiveness Kaiser Health News

Sourasky specialists have conducted over 1000 operations with Da Vinci robotic system.

Da vinci surgical system price. Advertentie Medtronic RAS solution is engineered to meet patient needs and surgical team requirements. The system has an annual service contract requiring between 100000 - 170000 in addition to the purchase price. Da Vinci robotic surgery is used to perform different methods such as surgery for prostate cancer hysterectomy and mitral valve repair.

Robots dont perform surgery. Approximately 80000 out of 230000 new cases of prostate cancer undergo surgery because of the high-risk invasive surgery carries which implies the number of new cases could be higher in the future. Furthermore there are annual servicing costs of 100000 per year.

The Da Vinci robotic surgery cost depends on the patients diagnosis. Additionally for each surgical case the costs for the disposable instruments used are high. To have this system in your institution you have to pay 15-2 million which makes it difficult for small hospitals and facilities around the world.

Streamlined setup multiple control modes and a dynamic information display are included. The price includes the surgeons fee supplies and hospitalization at the Center for 7 days. Sourasky Medical Center offers to perform da vinci robotic system from 25000 to 30000.

The da Vinci surgical system gives your surgeon an advanced set of instruments to use in performing robotic-assisted minimally invasive surgery. Focus your approach with a system designed for single-port access. 1 Pros and cons of da Vinci robotic surgery.

Your surgeon uses tiny instruments that move like a human hand but with a far greater range of motion. The term robotic often misleads people. The da Vinci vision system delivers 3D high-definition views giving your surgeon a crystal clear view of the surgical area that is magnified 10 times to what the human eye sees.

Unit cost of DVSS operation Vs laparoscopy operation 30 17 -42 thousand yuan Vs 10 8-12 thousand yuan Table2 Unit cost of 4 DV operations in 7 hospitals 10 thousand yuan. Your surgeon performs surgery with da Vinci by using instruments that he or she guides via a console. One of the main reasons for the slow uptake of robotic surgery in the UK is the enormous cost of acquiring the da Vinci Robot which currently stands at about 17 million.

It is currently being used in more than 800 hospitals across America and Europe. With the da Vinci SP a single arm delivers three multi-jointed instruments and a fully wristed 3DHD camera for visibility and control in narrow surgical spaces. This device is only intended to be used for single port urological procedures with the da Vinci EndoWrist SP Instruments and the da Vinci SP Surgical System SP1098.

Memorial Hospital of Converse County last year purchased a 2 million da Vinci Surgical System the second hospital in Wyoming to do. The safety and effectiveness of this device for use in the performance of general laparoscopic surgery procedures have not been established. Advertentie Medtronic RAS solution is engineered to meet patient needs and surgical team requirements.

These rates justify the higher price of robotic surgery compared to laparoscopic surgery or open surgery. Designed to overcome cost and utilization barriers so more patients have access to care.

Northwell Health Medical Records

Patient Information 516 496-6500. Processes walk-in ROI requests.

Northwell Health Unifying Patient Records As Our Organization Expands

May 6 2021 Northwell commits 13M to fund employee ideas for healthcare innovation - Northwell Public Relations.

Northwell health medical records. Wellness Boutique Katz Womens Hospital 516 470-5127. The cloud-based voice-enabled and AI-powered EHR will be designed based on input from Northwell clinicians IT experts and administrators alongside Allscripts development and systems integration expertise. Just look at what you can do.

Coordinate billable requests with the outsourced ROI service. View prescriptions and lab results. Reviews from Northwell Health employees about working as a Coding Specialist at Northwell Health.

The FollowMyHealth patient portal is used with your Northwell account to give you more access to your personal medical recordsfrom Northwell and other medical providersand more control over your health care. Performs measurement and screening procedures according to protocol which may include but is not limited to height weight head circumference blood pressure pulse temperature audiometry and vision testingRecords. View prescriptions and lab results Access notes from doctor appointments.

Authorization for Release of Medical Records English. Were committed to being as helpful as possible. Nursing Administration 516 496-6424.

To request printed medical records call 914 666-1855. Parking garage 516 470-7676. Process 50 faxed physician ROI requests per day date stamping indexing record retrieval and faxing and handle according to priority.

Surgical waiting room 516 562-8205. Medical records There are two ways you can access your medical records. Learn about Northwell Health culture salaries benefits work-life balance management job security and more.

When requesting a release of medical records please complete the appropriate form below and either fax it to 866-710-1456 or email it to WHM-HIMnorthwelledu. Valet Parking 516 470-3237. The normal turnaround time to receive copies of records is 7-10 business days.

The NWH Patient Portal and the Medical Records Office which offers printed medical records upon written request. The FollowMyHealth patient portal is used with your Northwell account to give you more access to your personal medical recordsfrom Northwell and other medical providersand more control over your health care. Email your physician directly.

Medical Records 516 465-7440. Social Work 516 470-7540. Northwell Health to release medical record information including my the patients medical record portions thereof or information therefrom as it deems appropriate to providers of post-hospital care services including but not limited to residential health care facilities and home care.

May 7 2021 Northwell awards employee projects with funding - POLITICO. Phelps Hospital opened in Sleepy Hollow NY in 1956 as a single building. Applies understanding of basic anatomy and physiology to interpret clinical documentation and identify applicable codes.

Collaborates with members of the health care team in coordinating and implementing plans for patient careMay record patient history for medical staff review. Access notes from doctor appointments. Its not every day a 23-hospital 14000.

TVphone rental 516 562-8205. Pastoral Care 516 496-6446. Now with 238 beds and over 2000 employees Phelps occupies a beautiful tree-lined 69-acre campus overlooking the Hudson River.

Patient information lobby 516 562-8228. Parking garage 516 562-2334. Patient and family-centered care 516 562-4772.

Northwell Health 40 Great Neck NY 11022 Initiates and tracks related paperwork such as biopsy records prescription call-ins and renewals and ordering supplies and equipment. Patient and Family-Centered Care 516 470-8792. In fall 2019 Northwell Health and Allscripts combined forces to create the next-generation EHR.

Medical Records 516 496-6490. As a nonprofit acute care community hospital we have consistently provided Westchester Rockland and Putnam counties with the highest quality. View prescriptions and lab results Access notes from doctor appointments.

With the patient portal you can. Analyzes and interprets the medical record in its entirety to ensure accurate complete and consistent selection of diagnoses and procedures to assure the production of quality healthcare data and accurate facility payment. Patient Information 516 470-7207.

With the patient portal you can. Vivo Health Pharmacy 516 562-8486. File transcribed reports on proper medical record daily in addition to updating the SoftMed deficiency module.

Northwell Health will devote 13 million to the research and development of four employee-driven health care projects. TVphone rental 516 470-7055. Medical records 516 562-4260.

The FollowMyHealth Patient Portal works hand in hand with your Northwell account to give you more access to your personal medical recordsfrom Northwell and other medical providersand more control over your health care.

Is 99.7 A Fever In Adults

A child has a fever when his or her rectal temperature is 38C 1004F or higher or armpit axillary temperature is 376C 997 F or higher. It occurs when you have a fever above 1009F 383C for 3 weeks or more.

Body Temperature Normal Ranges In Adults And Children

This guide will cover some of the most common but it is not exhaustive.

Is 99.7 a fever in adults. Infections may affect the whole body or one body part. While temperatures between 986 and 999 degrees might be high for you minor elevations in temperature are less likely to be a true indication of illness and are often within the range of normal variation. They say that a persons average body temperature is 986 F.

According to experts it is. Causes Treatments - WebMD. As a result 999 degrees Fahrenheit is not considered a fever.

Rarer causes will not be covered. This is called fever of unknown origin. There are many causes of fever.

An oral temperature of 100F 378 C or more is a fever. A fever is an increase in your body temperature. You can consider using fever reducers as one of the fever first aid steps to take.

A normal adult body temperature when taken orally can range from 976996F though different. The Harvard Medical School also states that fever is when a bodys temperature reaches 1004 F 38 C or higher for adults. Studies have also found that the average body temperature is lower today than 150 years ago and is now at 975 F.

Fever is generally defined as greater than 1004F 38C. Normal temperature in adults A body temperature over 1004F 38C in adults indicates a fever. If you measured your temperature under your armpit then 99F or higher indicates a fever.

You can ask a temperature chart from your doctors office. In 1868 the German physician Carl Reinhold August Wunderlich showed that normal human body temperature averages 986. Low-Grade what is considered a fever in adults Information Including Symptoms Diagnosis Treatment Causes Videos Forums and local community support.

This is the most common cause of a fever. Baby Temperature Fever. A low grade fever might not be as pronounced as a moderate or high fever but it can cause significant discomfort.

An oral or armpit temperature in adults of above 997F 376C is a fever. Normal body temperature is 986F 37C. Download a fever temperature normal temperature and body temperature conversion table.

5 Common Myths Debunked Health Essentials. Find out more about what low grade fevers mean and what you can do to treat them with our detailed guide. Consequently is 997 considered a fever.

In most adults an oral or axillary temperature above 376C 997 F or a rectal or ear temperature above 381C 1006F is considered a fever. What are common causes of a fever. Generally men tend to have lower temperatures than women.

According to the US National Library of Medicines MedlinePlus resource a fever aka pyrexia is technically a higher-than-normal body temperature. Rectal temperatures are the most accurate. Is a temperature of 998 considered a fever.

Is 997 considered a fever. If you take your temperature by mouth avoid drinking or eating for at least five minutes prior to. And as we age our average body temperature may decrease.

A child has a fever when his or her rectal temperature is 38C 1004F or higher or armpit axillary temperature is 376C 997F or higher. But even with these individual variations a true fever is still 1004 F and above. The same reading from an ear thermometer can also be considered a fever.

Temperature measured rectally or in the ear is a fever at 1004F 38C or greater. Is 997 A Fever In Adults is 99 degrees a fever for a child Your Childs Fevers. The cause of your fever may not be known.

In most adults an oral or axillary temperature above 376C 997F or a rectal or ear temperature above 381C 1006F is considered a fever. In most adults an oral or axillary temperature above 376C 997F or a rectal or ear temperature above 381C 1006F is considered a fever.

Part D Rebate Rule

HHS has delayed a Trump-era rule on drug rebates in Part D. The existing rules regarding Medicaid supplemental rebates and rebates to.

Cms Issues Lowest Part D Premium Since 2013 Ahip Warns Rebate Rule Could Impact This

The Trump administration finalized a rule Friday that gets rid of the safe harbor shielding Medicare Part D rebates from the anti-kickback statute and a rule that will tie certain Medicare Part B drug prices to those paid by countries overseas.

Part d rebate rule. However the rule as finalized does not remove. CMS implemented the Part D Senior Savings Modelapplauded by Americas Health Insurance Plans AHIP Medicare Advantage plans and Part D plans aliketo bring down healthcare spending specifically for insulin. GettyTero Vesalainen Pharmacy benefit managers have a few extra months to prepare for.

The rule excluded safe harbor protections under the Anti-Kickback Statute for rebates paid by drug manufacturers to PBMs instead creating. HHS in a release said that savings to patients may be nearly 30 under the final rule because in 2019 Part D rebates totaled 398 billion representing an average discount of nearly 30 for brand drugs. The Trump Administration has prioritized policies that introduce choice and competition in Part D said CMS Administrator Seema Verma in the press release.

In 2021 beneficiaries will. Part D Rebate Rules Demise Quells Some Uncertainty for Plans PBMs Jul 22 2019 The proposed rule first released in February would have removed safe-harbor protections under the federal anti-kickback statute for rebates paid by drug manufacturers to PBMs Part D plans and Medicaid managed care organizations and it would have created a new safe-harbor protection for point-of-sale. Rebates or discounts offered to Medicare patients at the pharmacy counter or point of sale will still be permitted.

January 30 2021. The Big Pharma-backed Rebate Rule is a misguided proposal that the administrations own actuaries found would do nothing to lower drug prices while increasing premiums on Medicare Part D. Medicare Part D Drug Rebate Rule Finally Sees Light Of Day.

Even the most optimistic scenarios suggested that premiums would rise for a majority of Part D beneficiaries. Instead several of them stated that they would reduce their list prices only if rebates were removed from both the commercial sector and Part D. HHS Secretary Alex Azar HHS Secretary Alex Azar on Wednesday redoubled his support for a rule to eliminate the safe harbor protections for Medicare Part D and Medicaid managed-care drug rebates.

Any remaining errors or misinterpretation of the Part D rebate rule are the authors own. Trump called for both rules to be published during a flurry of executive orders back in September. Stand-alone Part D plans however have limited flexibility to absorb the removal of rebates.

November 23 2020 - The Department of Health and Human Services has released its finalized rebate rule which changes safe harbors around prescription drug pricing impacting Medicare Part D plans. 30 amends safe harbors to pass manufacturer rebates for Part D pharmaceuticals to patients at point of sale. Under the memorandum Regulatory Freeze Pending Review by the Assistant to the President and the Chief of Staff and the pending litigation filed by PCMA HHS is reviewing the effects of the rule and delaying its effective date from Jan.

This rule had not yet been implemented and was scheduled to go into effect in 2022. In the past three years Bruce Stuart PhD has received. Published February 2 2021 in Advocacy On January 29 2021 the Biden Administration delayed implementation of a recently adopted rule that would largely eliminate drug rebates in Medicare Part D.

Washington DC In response to litigation brought by the Pharmaceutical Care Management Association PCMA challenging the Medicare Part D rebate rule the Biden Administration agreed to postpone the effective date of the provisions of the rule relating to the elimination of the regulatory discount safe harbor for. According to the final rule the safe harbor for part D rebates will be revoked January 2022 if no measures are taken by the incoming Biden administration to delay modify or even eliminate the rule. The result is lower prices for.

The final rule which was finalized Nov. Though the premium increase would likely have been modest the prospect of even a few dollars in higher costs scared away many politicians. If the Trump rebate rule had been allowed to go into effect as scheduled the Department of Health and Human Services would have effectively eliminated protections allowing pharmacy benefit managers to pass along Medicare Part D rebates to insurers.