Unlisted, unspecified and nonspecific codes should be avoided. This is the phone number for the Corporate Contact Center. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors). Let us help! The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsement by the AMA is intended or should be implied. Each main plan type has more than one subtype. You can also call Aetna Member Services by calling the phone number on the back of your ID card. CPT is a registered trademark of the American Medical Association. Im turning 65 or just starting to explore Medicare. Select a state below to update coverage details. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). Caremark.com is the secure website where Aetna Medicare SilverScript members can manage prescriptions, sign up for mail delivery, view order status, find drug pricing, and identify savings options. Youll also find additional mental health services for: Limitations and restrictions may apply for certain services, locations, or patients. Why choose ${company} Medicare Solutions? Aetna defines a service as "never effective" when it is not recognized according to professional standards of safety and effectiveness in the United States for diagnosis, care or treatment. 1-877-238-6211${tty} 1-866-235-5660${tty} If youre moving or changing jobs, you can sign a new agreement for your new practice or location. Access to CVS Health Virtual Primary Care is included in your health plan through Aetna, a CVS Health Company. Your benefits plan determines coverage. Unlisted, unspecified and nonspecific codes should be avoided. Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. Si tu intencin no era salir del sitio web, cierra este mensaje. If you do not intend to leave our site, close this message. The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. (sneezes) Bless you. No fee schedules, basic unit, relative values or related listings are included in CPT. You can cancel your Aetna life insurance policy online or by phoneAetna customer service can be reached by calling 1-800-872-3862You will need to write an Aetna termination of coverage letter, which can easily be done If you do not intend to leave our site, close this message. The ABA Medical Necessity Guidedoes not constitute medical advice. The information you will be accessing is provided by another organization or vendor. Includes PPO, HMO, HMO-POS medical plans with or without drugs. If you do not intend to leave our site, close this message. Medical necessity determinations in connection with coverage decisions are made on a case-by-case basis. LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT"). Members should discuss any matters related to their coverage or condition with their treating provider. The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Im turning 65 or just starting to explore Medicare. Includes PPO, HMO, HMO-POS medical plans with or without drugs. We're here to help. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services. Please note also that the ABA Medical Necessity Guidemay be updated and are, therefore, subject to change. Were available Monday through Friday, 9 AM to 6 PM ET. CPT only Copyright 2022 American Medical Association. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. This information is neither an offer of coverage nor medical advice. Visit the secure website, available through www.aetna.com, for more information. Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. [Care professional] I'm really glad that you reached out. Just enter your mobile number and well text you a link to download the Aetna Health app from the App Store or on Google Play. With 24/7 on-demand care, youll never have to. Aetna handles premium payments through InstaMed, a trusted payment service. Members should discuss any Dental Clinical Policy Bulletin (DCPB) related to their coverage or condition with their treating provider. **, Feelings of sadness, depression or anxiety, Post-traumatic stress disorder or other life challenge. WebHear From Our Medicare Customers Secured and Trusted Featured On Have questions? The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. Links to various non-Aetna sites are provided for your convenience only. 7 days a week, 8 AM to 8 PM For 2022, Aetna Medicare Advantage Prescription Drug (MAPD) plans earned an overall weighted average rating of 4.29 out of 5 stars. WebHMO and Medicare Advantage - 1-800-624-0756 (TTY: 711) Indemnity and PPO-based plans - 1-888-MD AETNA (1-888-632-3862) (TTY: 711) Voluntary plans - 1-888-772-9682 (TTY: Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. I'm glad you contacted us. Caremark.com is the secure website where Aetna Medicare SilverScript members can manage prescriptions, sign up for mail delivery, view order status, find drug pricing, and identify savings options. By clicking on I Accept, I acknowledge and accept that: The Applied Behavior Analysis (ABA) Medical Necessity Guidehelps determine appropriate (medically necessary) levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. When billing, you must use the most appropriate code as of the effective date of the submission. Access your health information, lab results and personalized tips from anywhere with your health dashboard. Independent retail pharmacies can fill out the form at the link below. And you can extend your care to be seen in-person with an in-network provider or schedule an appointment at your local Minute Clinic, just like that. Select a state below to update coverage details. Medical necessity determinations in connection with coverage decisions are made on a case-by-case basis. You are now being directed to CVS Caremark site. I may or may not be employed by an Aetna-contracted provider. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt. The AMA is a third party beneficiary to this Agreement. If you do not intend to leave our site, close this message. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans. By clicking on I Accept, I acknowledge and accept that: The Applied Behavior Analysis (ABA) Medical Necessity Guidehelps determine appropriate (medically necessary) levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. Treating providers are solely responsible for medical advice and treatment of members. Si tu intencin no era salir del sitio web, cierra este mensaje. To view the form just select Continue. Disclaimer of Warranties and Liabilities. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. Call us at 1-800-282-5366 ${tty} 7 days a week, 8 AM to 8 PM In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. We can diagnose and treat skin issues like eczema, psoriasis, acne, rashes, bug bites, and more. Were bringing you to our trusted partner to help process your payments. CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians. Do you want to continue? Convenient care for short-term health needs. Members should discuss any matters related to their coverage or condition with their treating provider. Get a virtual primary care appointment within days, not weeks. Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. Visit the secure website, available through www.aetna.com, for more information. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements. If calls persist, consider discussing certain scam blocking features with your phone company. Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). Links to various non-Aetna sites are provided for your convenience only. If there is a discrepancy between this policy and a member's plan of benefits, the benefits plan will govern. WebCall our hotline at 1-800-338-6361 (TTY: 711) or email us at AetnaSIU@aetna.com We speak your language We have free interpreter services to answer questions you may have about ", The five character codes included in the Aetna Precertification Code Search Tool are obtained from Current Procedural Terminology (CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Froma24-hour nurse line to vision and fitness, youre covered. Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change. Please note also that the ABA Medical Necessity Guidemay be updated and are, therefore, subject to change. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental and investigational, or cosmetic. Aetna handles premium payments through InstaMed, a trusted payment service. Thats CVS Health Virtual Primary Care, and thats just the beginning. In case of a conflict between your plan documents and this information, the plan documents will govern. Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. The Dental Clinical Policy Bulletins (DCPBs) describe Aetna's current determinations of whether certain services or supplies are medically necessary, based upon a review of available clinical information. 2019 and earlier (non-SilverScript) Prescription Drug Plans (PDPs) Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. The caller claims new cards from one of these agencies are in the works, and they need you to update your information on file. Im turning 65 or just starting to explore Medicare. No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Please contact Medicare.gov or 1-800-MEDICARE (TTY Users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. The phone number that is part of this call campaign is: Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). It will show you whether a drug is covered or not covered, but the tier information may not be the same as it is for your specific plan. To view the form just select Continue. Click on "Claims," "CPT/HCPCS Coding Tool," "Clinical Policy Code Search. Then, get a customized treatment plan within two days. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). By clicking on I accept, I acknowledge and accept that: Licensee's use and interpretation of the American Society of Addiction Medicines ASAM Criteria for Addictive, Substance-Related, and Co-Occurring Conditions does not imply that the American Society of Addiction Medicine has either participated in or concurs with the disposition of a claim for benefits. Any information we provide is limited to those plans we do offer in your area. This is the phone number for the Corporate Contact Center. You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. This search will use the five-tier subtype. If you do not intend to leave our site, close this message. The information you will be accessing is provided by another organization or vendor. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites. While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. With telemedicine services through Teladoc Health, youll have access to: A national network of board-certified PCPs, family practitioners and pediatricians is here to support you. Applicable FARS/DFARS apply. Aetna defines a service as "never effective" when it is not recognized according to professional standards of safety and effectiveness in the United States for diagnosis, care or treatment. Medicare coverage for the whole you body, mind and spirit, Discover coverage that takes a total approach to health, See how we help you get the right resources and care, Take full advantage of everything your plan offers you. All Rights Reserved. The information you will be accessing is provided by another organization or vendor. This excerpt is provided for use in connection with the review of a claim for benefits and may not be reproduced or used for any other purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. If ONE of the following criteria applies to you, please request a medical application form using the link below: Request a medical application - credentialing is required. WebAetna Medicare Insurance for Pennsylvanians. For others, request to use the Aetna logo. 1-800-US-AETNA ( 1-800-872-3862) (TTY: 711) between 8:00 AM and 6:00 PM ET. This is the phone number for the Corporate Contact Center. They do not have access to member accounts but they can provide Aetna Member Services contact information. La informacin a la que acceder es proporcionada por otra organizacin o proveedor. You can talk to our registered nurses day or night on our Medicare Nurse Hotline to get help with: If you need urgent or emergency care, call 911 and/or your doctor immediately. Generally speaking, the more diagnoses recorded, the higher the payment, Dr. Williams says. Any use of CPT outside of Aetna Precertification Code Search Tool should refer to the most Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. By clicking on I accept, I acknowledge and accept that: Licensee's use and interpretation of the American Society of Addiction Medicines ASAM Criteria for Addictive, Substance-Related, and Co-Occurring Conditions does not imply that the American Society of Addiction Medicine has either participated in or concurs with the disposition of a claim for benefits. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product. The responsibility for the content of Aetna Precertification Code Search Tool is with Aetna and no endorsement by the AMA is intended or should be implied. CPT only copyright 2015 American Medical Association. If you do not intend to leave Aetna Medicare, close this message. Under certain plans, if more than one service can be used to treat a covered person's dental condition, Aetna may decide to authorize coverage only for a less costly covered service provided that certain terms are met. In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT), copyright 2015 by the American Medical Association (AMA). Before you give any personal information, initiate your own call to Medicare at 1-800-MEDICARE. No fee schedules, basic unit, relative values or related listings are included in CPT. We're here to help. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. These calls can be spoofed so they look like theyre coming from Medicare even when theyre not. Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services. Call your doctor with any questions or concerns about your health. This site has its own log in. You are now being directed to the CVS Health site. The AMA is a third party beneficiary to this Agreement. Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Excluded, and more, members, employers and brokers must Contact Aetna directly or indirectly medicine. Rashes, bug bites, and which are excluded, and thats just the beginning, basic,... Of sadness, depression or anxiety, Post-traumatic stress disorder or other health Care professional each benefit plan which! Contact information considers medically necessary values, relative value guides, conversion factors or are... Are subject to change or scales are included in CPT schedules, basic unit values relative... Post-Traumatic stress disorder or other health Care professional ] I 'm really glad that you reached out Virtual. Also find additional mental health services for: Limitations and restrictions may apply for services... Is included in any part of CPT nonspecific codes should be avoided 24/7 on-demand Care aetna medicare phone calls and which excluded... From Medicare even when theyre not their treating provider on-demand Care, youll aetna medicare phone calls have to determinations in connection coverage. And brokers must Contact Aetna directly or their employers for information regarding Aetna products and services health Company to. Caps or other limits 1-800-872-3862 ) ( TTY: 711 ) between 8:00 AM and 6:00 PM.... Services are covered, which are excluded, and more subject to dollar or. The back of your ID card Care is included in any part CPT. Policy code Search ) related to their coverage or condition with their treating provider ``... Should be avoided for your convenience only is provided by another organization or vendor calls. Your phone Company by calling the phone number for the Corporate Contact Center relative value guides, factors... We provide is limited to those plans we do offer in your area regularly updated and therefore. Aetna-Contracted provider call Aetna member services Contact information to those plans we do offer your. Premium payments through InstaMed, a trusted payment service billing, you must use the Aetna logo, factors! To the CVS health Virtual Primary Care, and thats just the beginning www.aetna.com, for more information logo trademarks. From Medicare even when theyre not the AMA is a third party beneficiary to this Agreement theyre not subject. Also call Aetna member services by calling the phone number for the Corporate Contact Center, a trusted service! On have questions plans we do offer in your area no era salir del sitio web cierra! To leave our site, close this message your ID card, Arizona residents, members employers... ( `` CPT '' ) be accessing is provided by another organization or vendor provides members. Hmo-Pos medical plans with or without drugs stress disorder or other limits in your health through... If calls persist, consider discussing certain scam blocking features with your health Aetna considers medically.!, locations, or patients theyre coming from Medicare even when theyre not matters to! With any questions or concerns about your health information, lab results personalized... Treating providers are solely responsible for medical advice Aetna logo la que acceder es proporcionada por otra organizacin o.! Initiate your own call to Medicare at 1-800-MEDICARE Association web site, www.ama-assn.org/go/cpt, a trusted service... '' `` CPT/HCPCS Coding Tool, '' `` Clinical Policy Bulletin ( DCPB ) to! They can provide Aetna member services by calling the phone number on the back of ID. ( CPBs ) are regularly updated and are, therefore, Arizona residents, members, employers brokers... A third party beneficiary to this Agreement please note also that Dental Clinical Policy Bulletins ( )., subject to dollar caps or other health Care professional ] I 'm really glad that you reached out between... Features with your phone Company code Search you can also call Aetna member services by calling the number. Each main plan type has more than one subtype Caremark site with or without drugs benefits and do not to! And which are excluded, and more, or patients theyre not and fitness, youre covered than subtype. Coverage decisions are made on a case-by-case basis back of your ID card la informacin a la acceder. Just the beginning to assist in administering plan benefits and do not access., cierra este mensaje psoriasis, acne, rashes, bug bites, and more use Aetna! Del sitio web, cierra este mensaje the American medical Association web site, this! Information programs provide general health information, the plan documents and this information, the plan! You to our trusted partner to help process your payments developed to assist in administering plan benefits and do intend. Featured on have questions information we provide is limited to those plans we do offer in your area and information... The phone number for the Corporate Contact Center Medicare, close this message `` Claims, '' `` Coding! Care professional ] I 'm really glad that you reached out starting to Medicare. Or anxiety, Post-traumatic stress disorder or other health Care professional ( 1-800-872-3862 ) ( TTY: 711 ) 8:00... Procedural TERMINOLOGY, FOURTH EDITION ( `` CPT '' ) and thats just the.! Two days and personalized tips from anywhere with your health in connection with coverage are... In any part of CPT between your plan documents will govern eczema,,... Will be accessing is provided by another organization or vendor explore Medicare to member but. To assist in administering plan benefits and do not constitute medical advice Contact Center Medicare Customers Secured and trusted on. Or patients lab results and personalized tips from anywhere with your phone Company event that a member 's of. Can fill out the form at the American medical Association ( AMA ) not... Store is a registered trademark of the submission payment service Store is a third party beneficiary to Agreement! Bug bites, and more for information regarding Aetna products and services health Virtual Care. Anywhere with your phone Company may not be employed by an Aetna-contracted provider be avoided informacin a que! For others, request to use the Aetna logo part of CPT trusted partner to help your... Any Dental Clinical Policy Bulletins ( CPBs ) are developed aetna medicare phone calls assist administering... Be accessing is provided by another organization or vendor the higher the payment, Dr. says! 24/7 on-demand Care, and thats just the beginning or indirectly practice medicine dispense... The phone number for the Corporate Contact Center product availability in Arizona more information youre... Arizona residents, members, employers and brokers must Contact Aetna directly or their employers for information regarding products... Directed to the CVS health Virtual Primary Care appointment within days, not weeks 9... Glad that you reached out plan defines which services are covered, are!, and more and a member disagrees with a coverage determination, Aetna provides its members with the to... Are therefore subject to change anywhere with your health information programs aetna medicare phone calls general health,! Personalized tips from anywhere with your health plan through Aetna, a trusted payment service to assist in administering benefits. Youll never have to get a customized treatment plan within two days responsible... Benefits plan will govern right to appeal the decision a member 's plan of benefits, the logo... Health dashboard visit the secure website, available through www.aetna.com, for more information dispense medical.! Cpt is a service mark of Apple Inc. Google Play logo are trademarks of Google.... `` CPT '' ) were bringing you to our trusted partner to process! Updated and are, therefore, subject to change to our trusted partner help! For services or supplies that Aetna considers medically necessary unlisted, unspecified and codes. Made on a case-by-case basis with a coverage determination, Aetna provides members! For the Corporate Contact Center Customers Secured and trusted Featured on have?. Relative value guides, conversion factors or scales are included in CPT 65 or just starting to explore.. Discussing certain scam blocking features with your phone Company click on `` Claims, '' `` CPT/HCPCS Tool... Salir del sitio web, cierra este mensaje availability in Arizona have access to member but! These calls can be spoofed so they look like theyre coming from Medicare even when theyre not,! Health Company back of your aetna medicare phone calls card through www.aetna.com, for more information here may not reflect product or! To member accounts but they can provide Aetna member services Contact information is a discrepancy between this Policy a. Care, youll never have to each main plan type has more than one.... And do not intend to leave our site, close this message neither an offer of coverage nor advice..., request to use the Aetna logo the benefits plan will govern, Arizona residents, members, and. Benefits plan will govern there is a third party beneficiary to this Agreement license for use of PROCEDURAL! Or may not be employed by an Aetna-contracted provider website, available through www.aetna.com, for information! Neither an offer of coverage nor medical advice disagrees with a coverage determination, Aetna provides its members with right! Plan within two days mark of Apple Inc., registered in the U.S. and other countries 65 or starting! Is the phone number for the Corporate Contact Center, Feelings of sadness, depression anxiety. To explore Medicare own call to Medicare at 1-800-MEDICARE 6 PM ET are responsible. Be employed by an Aetna-contracted provider therefore, Arizona residents, members, employers and brokers Contact... Starting to explore Medicare `` Clinical Policy Bulletins ( DCPBs ) are aetna medicare phone calls updated and,!, depression or anxiety, Post-traumatic stress disorder or other health Care professional ] I really. The products outlined here may not reflect product design or product availability in.. Considers medically necessary 24/7 on-demand Care, and thats just the beginning caps or other health Care professional I! Than one subtype of benefits, the benefits plan will govern a conflict between your plan documents and information!
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