We welcome healthcare providers to receive both professional and practice support. Access key information to help do business with Humana and work with us online, log into the Availity portal and review our drug lists. Access resources, including our preauthorization list, claims and payments, patient care, our newsletter, Value-based Care Report, compliance training and …Are you curious if the Freedom Flex card from Chase is right for you? Here are the 23 best perks and benefits of the card to help you decide! We may be compensated when you click o...With Preventive Plus, your employees and their covered family members will pay nothing out of pocket for preventive care and a percentage of the most commonly used basic services. ... Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin ...10/1/22. Humana significantly expands Medicare Advantage health plan offerings in 2023 with focus on greater value for members. $0 premiums, dental and Rx …Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD) Mail: U.S. Dept. of Health and Human Services. 200 Independence Avenue. SW Room 509F, HHH Building, Washington, D.C. 20201 We provide free services to help you communicate with us. Check Your Card Balance. Quickly and easily check the balance on your card without logging into your account! Simply enter your card number and security code, which may be located on either the front or back of your card. Card number*. Security code*. CHECK BALANCE. Easily check your account balance without logging into your account. Learn More about Humana Inc. Humana Gold Plus H1468-013 (HMO) Plan Details, including how much you can expect to pay for coinsurance, deductibles, premiums and copays for various services covered by the plan. ... Learn more about Humana Gold Plus H1468-013 (HMO) benefits, some of which may not be covered by Original Medicare …Humana Specialty Benefits P.O. Box 14611 Lexington, KY 40512-4611 Fax: 1-888-556-2128 (CompBenefits) Humana/CompBenefits 100 Mansell Court East, Suite 400 ... Humana Vision and Humana Vision PLUS claim form. For members seeking a reimbursement after visiting an out-of-network provider.Healthy Benefits+ gives you easy access to the benefits you need to help you live a healthier lifestyle. With Healthy Benefits+, you can: • View your benefit balance. • Review your shopping options. • Browse qualifying items. • Use your card number or barcode to redeem benefits. • Review your transaction history. • Update your ...Humana Gold Plus ® HMO With a health ... depending on the type of plan you have and whether your plan offers benefits for prescription drug coverage. If you need help finding a Humana Medicare Advantage plan that accepts your current doctor, you can call a licensed insurance agent 1 directly at 1-800-472-2986 TTY Users: ...The Humana Healthy Foods Card helps members, who have this benefit as part of their Humana plan, to extend monthly food resources when financial barriers can otherwise limit access to an adequate food supply. The card will be offered with $25 or $50 allowance amounts per month. Any unused amount perWhether you need short-term or long-term support, durable medical equipment (DME) is covered under your Original Medicare Part B benefits. You’ll need a prescription from your doctor to access coverage to rent or buy eligible equipment. You’ll be responsible for 20% of the Medicare-approved amount for the device, and Medicare Part B should ...For additional information you can call toll-free at 1-855-473-4369, TTY 711. Hours are from 8 a.m. - 8 p.m. CST, 7 days a week. Healthy Benefits Plus is a sponsored program that provides an allowance on approved over-the-counter products and health items at participating stores.We welcome healthcare providers to receive both professional and practice support. Access key information to help do business with Humana and work with us online, log into the Availity portal and review our drug lists. Access resources, including our preauthorization list, claims and payments, patient care, our newsletter, Value-based Care Report, compliance training and …We've talked plenty about the various benefits of meditation, but if you'd like a more succinct version, the folks at AsapScience sum up about everything you need to know in a quic...We reviewed Humana Dental Insurance, including what it covers, types of plans, enrollment fees, annual maximum benefits, and more. Waiting periods may be waived on major services if the member had prior coverage for 12 continuous months. Complete and partial dentures once per 5 years, plus repairs and adjustments. Also included with no waiting period: Periodontal maintenance (limit 2 per year) and periodontal scaling and root planing (limit 1 per quadrant every 3 years).Humana Healthy Benefits Plus is a program that helps you save money on health and wellness products and services. Learn how to enroll, access your benefits, …For general questions, check out our Humana Support Community . Here, you can review content and post questions for one of our moderators to address. To find out how to check your balance – see here: How to check your 2018 FSA/HRA/PCA Balance. If you require further assistance, please reach out to us via our Chat With Us service.Nov 7, 2023 · Humana, Inc. 500 W. Main St. Louisville, KY 40202. Whether you have a question about your plan or concern about your coverage, see ways to get in touch with Humana. Contact us by phone, chat, social media or mail. We’re working to get that service up and running. Please visit the Humana.com homepage to help you find what you need. Go to Humana.com. This card, typically issued to members of certain health insurance plans such as Humana Benefits Plus, allows individuals to buy over-the-counter (OTC) …Dec 26, 2023 · According to CMS, in 2024, 38% of Humana’s Medicare Advantage plans have a $0 Part C premium. In 2024, the full monthly Part B premium for all Medicare plans (regardless of the carrier) is $174. ... We reviewed Humana Dental Insurance, including what it covers, types of plans, enrollment fees, annual maximum benefits, and more. Healthy Benefits+ gives you easy access to the benefits you need to help you live a healthier lifestyle. With Healthy Benefits+, you can: • View your benefit balance. • Review your shopping options. • Browse qualifying items. • Use your card number or barcode to redeem benefits. • Review your transaction history. • Update your ...While reverse psychology can be effective, it can also sometimes cause harm. Learn about reverse psychology, including possible benefits and downsides. Reverse psychology is when y...Hospice care. Hospice care at home provides physical, emotional and spiritual support for patients with a terminal illness. Your care team will design a plan with you and your family to help you live each day as fully and comfortably as possible. Hospice care: Requires a terminal diagnosis. Begins after curative treatment has stopped.Scissoring is one of the most misunderstood sex positions. So we’re here to set the record straight. The first time most of us heard about scissoring it was probably the punchline ...Chronic Condition Special Needs Plans (C-SNPs) offer special care for people with diabetes, cardiovascular disorders, chronic heart failure, chronic lung disorders or other qualifying conditions. Dual-Eligible Special Needs Plans (D-SNPs) are for people who have both Medicare and Medicaid. With a D-SNP, all your Medicare and Medicaid …Humana Medical Plan is a Managed Care Plan with a Florida Medicaid contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the Managed Care Plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacyHumana’s Bright Plus plan. Bright Plus is a PPO dental insurance plan that helps you keep up with regular exams and cleanings with no waiting periods. Bright Plus benefits include: $100 per year in-office teeth whitening allowance, not subject to deductible or waiting periods. $50 deductible for individuals and a $150 deductible for families. 94% of our Medicare Advantage members are in plans rated 4 out of 5 stars or higher for 2024 by the Centers for Medicare and Medicaid.*. And for the third year in a row, Humana overall received the highest Customer Experience Index™ score among health insurers in Forrester’s proprietary 2023 CX Index™ survey.†. Months before the first Social Security check was issued in 1940, lawmakers made changes to the planned benefits. Instead of the retired worker’s benefit ending… May 27, 2022 • By ...94% of our Medicare Advantage members are in plans rated 4 out of 5 stars or higher for 2024 by the Centers for Medicare and Medicaid.*. And for the third year in a row, Humana overall received the highest Customer Experience Index™ score among health insurers in Forrester’s proprietary 2023 CX Index™ survey.†.Whether you need short-term or long-term support, durable medical equipment (DME) is covered under your Original Medicare Part B benefits. You’ll need a prescription from your doctor to access coverage to rent or buy eligible equipment. You’ll be responsible for 20% of the Medicare-approved amount for the device, and Medicare Part B should ...This communication does not guarantee benefits and does not indicate all services received will be covered by your plan. Please refer to your Evidence of Coverage or call Customer Service at the number on the back of your … We welcome healthcare providers to receive both professional and practice support. Access key information to help do business with Humana and work with us online, log into the Availity portal and review our drug lists. Access resources, including our preauthorization list, claims and payments, patient care, our newsletter, Value-based Care ... To receive a free Humana Big Book, first visit Humana.com. Click on the arrow and link that says “Get Free Guide.” Enter your information in the online forum, and wait to receive T...Healthy Benefits+ is a program that offers an allowance for over-the-counter products and health items at participating stores. To access your benefits, … To join Humana Gold Plus H5619-112 (HMO), you must be entitled to Medicare Part A, be enrolled in Medicare Part Band live in our service area. Plan name: Humana Gold Plus H5619-112 (HMO) How to reach us: If you're amember of this plan, call toll-free: 1-800-457-4708 (TTY: 711) . If you're not amember of this plan, Caffeine has some interesting effects on your brain, but that doesn't mean it doesn't have some health benefits, too. Here's how our two favorite caffeinated beverages affect your ...We've talked plenty about the various benefits of meditation, but if you'd like a more succinct version, the folks at AsapScience sum up about everything you need to know in a quic...Medicare will not usually cover services that help with everyday life functions, such as assistance with dressing, eating or going to the bathroom. Generally, if the care you receive in a nursing home does not require a degree to provide, Medicare won’t cover it. 2 However, Medicare Part A may provide coverage for skilled nursing facility ...Humana Healthy Benefits Plus is a program that helps you save money on health and wellness products and services. Learn how to enroll, access your benefits, and find participating providers.What are the benefits of the Hawaiian lomi lomi massage? Find out the benefits of the Hawaiian lomi lomi massage in this article. Advertisement Lomi lomi massage is a traditional P...As the United States’ post-pandemic reopening plans increasingly look like a bad on-again-off-again relationship in many states, many workers have been concerned about losing their...Humana Health Benefits Plus is an online resource that provides access to a wide range of health benefits. It is a comprehensive, secure, and reliable way to obtain information on health benefits, including medical and prescription coverage, dental and vision coverage, and more. With Humana Health Benefits Plus, you can quickly and easily ...Individuals can search for in-network Humana doctors using the Physician Finder search tool on the company’s website, notes Humana. Subscribers are able to search by the type of co...Individuals can find dentists who accept Humana dental insurance plans by using the Dentist Finder tool on the Humana website at Humana.com. Customers can search by entering their ... If you order over your allowance and you have the Humana Spending Account Card with a Healthy Options Allowance, check this box to apply the remaining balance to your Healthy Options Allowance on your Humana Spending Account card. Credit/Debit Card # Exp. Date M / Y Cardholder First Name Cardholder Last Name Cardholder Signature: Gender Male We've talked plenty about the various benefits of meditation, but if you'd like a more succinct version, the folks at AsapScience sum up about everything you need to know in a quic...Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) is a Coordinated Care plan HMO with a Medicare contract and a contract with the Michigan Department of Health & Human Services (Medicaid) program . Enrollment in this Humana plan depends on contract renewal. The benefit information provided is a summary of what we cover and what you …In general, Medicare Supplement plans don’t cover long-term care or care longer than 100 days. However, Medicare Supplement plans can help cover costs that Original Medicare doesn’t cover. For example, Medicare Supplement plans can pick up the cost of daily coinsurance when staying at a skilled nursing facility from day 21 through day 100.With Preventive Plus, your employees and their covered family members will pay nothing out of pocket for preventive care and a percentage of the most commonly used basic services. ... Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin ...Medicare will not usually cover services that help with everyday life functions, such as assistance with dressing, eating or going to the bathroom. Generally, if the care you receive in a nursing home does not require a degree to provide, Medicare won’t cover it. 2 However, Medicare Part A may provide coverage for skilled nursing facility ...Months before the first Social Security check was issued in 1940, lawmakers made changes to the planned benefits. Instead of the retired worker’s benefit ending… May 27, 2022 • By ...Hospice care. Hospice care at home provides physical, emotional and spiritual support for patients with a terminal illness. Your care team will design a plan with you and your family to help you live each day as fully and comfortably as possible. Hospice care: Requires a terminal diagnosis. Begins after curative treatment has stopped.Oct 31, 2023 · How a D-SNP works. Medicare Advantage D-SNPs offer special benefits, including prescription drug coverage, with every plan. All of our D-SNPs include a Healthy Options Allowance to help pay for things like food, pet supplies, utility bills or rent. And starting in 2024, all Humana Special Needs Plans will include dental, vision and hearing ... Welcome to Humana Healthy Horizons ®. With us, you get Medicaid that does more. Like more rewards, more everyday benefits, and more help and support—so you have more time to focus on what you love. ... We aim to give you what you need to feel your best PLUS things that you didn’t even know you needed. We call that human care.Preventive Value Humana dental plan details. Preventive services: 100% covered in-network after the lifetime deductible is met. 80% covered if you use an out-of-network dentist after the lifetime deductible is met. Preventive services include: Routine oral exams and evaluations. Cleanings.Loading...OTC-Eligible Groceries. Many OTC cards also provide an allowance that can be used on healthy grocery items each month, typically $25-$50. You can buy staple foods like: Dairy: Milk, cheese, yogurt. Fruits and veggies: Fresh, frozen or canned. Breads and cereals. Meat and seafood. Juices.Humana’s Health Spending Accounts go above and beyond your regular health plan, offering smart ways to pay for eligible expenses. Health Savings Account (FSA) An HSA, which requires a High Deductible Health Plan, allows you to pay for healthcare now and save for what you may need in the future. Unused funds carry over from year to year.Humana is a widely available Medicare Advantage provider in the U.S., with a selection of highly rated plans. ... Humana Gold Plus H0028-054 (HMO-POS) Summary of Benefits 2024. Humana.Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD) Mail: U.S. Dept. of Health and Human Services. 200 Independence Avenue. SW Room 509F, HHH Building, Washington, D.C. 20201 We provide free services to help you communicate with us.As the United States’ post-pandemic reopening plans increasingly look like a bad on-again-off-again relationship in many states, many workers have been concerned about losing their... Except in emergency or urgent situations, we do not cover services by out-of-network providers (doctors who are not listed in the provider directory). 2022. Summary of Benefits. Humana Gold Plus H1036-054C (HMO) South Florida: Miami-Dade Miami-Dade County. Our service area includes the following county/counties in Florida: Miami-Dade. Check Your Card Balance. Quickly and easily check the balance on your card without logging into your account! Simply enter your card number and security code, which may be located on either the front or back of your card. Card number*. Security code*. CHECK BALANCE. Easily check your account balance without logging into your account.Humana Gold Plus H0028-042 (HMO) is a Medicare Advantage (Part C) Plan by Humana. Enroll Now. This page features plan details for 2024 Humana Gold Plus H0028-042 (HMO) H0028 – 042 – 0 available in Houston Metro Area. IMPORTANT: This page has been updated with plan and premium data for 2024.Humana Gold Plus (HMO) H1036-074. Humana | Local HMO. Why Trust U.S. News. 344. Insurance Companies Evaluated. 6,000+ ... Availability of benefits and plans varies by carrier and location.Learn More about Humana Inc. Humana Value Plus H5216-294 (PPO) Plan Details, including how much you can expect to pay for coinsurance, deductibles, premiums and copays for various services covered by the plan. ... Benefits received out-of-network are subject to any in-network benefit maximums, limitations, and/or exclusions. Vision …Medicare Programs. Get more with Humana Medicare Advantage plans. Take a minute to learn about some of the additional benefits, services and …Medicare Advantage plans offer all the benefits of Original Medicare Parts A and B—and most include coverage for prescription drugs. Routine dental, vision and hearing benefits are included in all 2024 Humana Medicare Advantage plans. View plans in your area today! Enter ZIP *.Nov 7, 2023 · Humana, Inc. 500 W. Main St. Louisville, KY 40202. Whether you have a question about your plan or concern about your coverage, see ways to get in touch with Humana. Contact us by phone, chat, social media or mail. A minimum one-year, initial contract period may be required for some dental and vision plans, excluding Dental Savings Plus. Group Dental and Vision Plans (Insurance ... HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, … MyHumana App: We go where you go. Access your health information on the go with the MyHumana© App. With our mobile app, you have the ability to manage your healthcare needs anywhere, anytime. Download the MyHumana App today! Through Humana, you can provide your employees with more than just health insurance. We offer a variety of healthcare benefit options to help your employees make the best choices for their continued health and wellness. Whatever the size of your business, our health plans can help you create a healthier and more productive workforce that ...Nov 7, 2023 · Humana, Inc. 500 W. Main St. Louisville, KY 40202. Whether you have a question about your plan or concern about your coverage, see ways to get in touch with Humana. Contact us by phone, chat, social media or mail. Loading...This communication does not guarantee benefits and does not indicate all services received will be covered by your plan. Please refer to your Evidence of Coverage or call Customer Service at the number on the back of your … This means that vision insurance plans usually won’t cover it. Some Humana vision plans offer reduced fees for Lasik surgery with select network providers: 2. TLC Laser Eye Centers: $1,295 per eye or $1,895 per eye with IntraLase™. LasikPlus®: $1,895 per eye with IntraLase and LasikPlus free enhancements for life. We reviewed Humana Dental Insurance, including what it covers, types of plans, enrollment fees, annual maximum benefits, and more. Whether you need short-term or long-term support, durable medical equipment (DME) is covered under your Original Medicare Part B benefits. You’ll need a prescription from your doctor to access coverage to rent or buy eligible equipment. You’ll be responsible for 20% of the Medicare-approved amount for the device, and Medicare Part B should ...As a UnitedHealthcare member, you get access to benefits that can help you live a healthier lifestyle. Best of all, your benefits are applied instantly! To view the benefits you are covered for and how you can spend, log in here. Healthy Benefits Plus is a sponsored program that provides an allowance on approved over-the-counter products and ... Use 1 secure sign-in for all of your accounts, including MyHumana, Go365 and CenterWell Pharmacy. Humana mailing address. Humana, Inc. 500 W. Main St. Louisville, KY 40202. Whether you have a question about your plan or concern about your coverage, see ways to get in touch with Humana. Contact us by phone, chat, social media or mail.A minimum one-year, initial contract period may be required for some dental and vision plans, excluding Dental Savings Plus. Group Dental and Vision Plans (Insurance ... HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, CompBenefits …The projected average premium for a Medicare Advantage plan in 2024 is $18.50 per month, but there are other costs to consider, including co-pays and deductibles. 4 To get a comparison of costs between different Medicare Advantage and Medicare Part D plans, use Medicare’s plan finder.With Humana: contact Humana at the phone number on the back of your ID card. With the Colorado Division of Insurance: complaints can be filed online by accessing this File a Complaint link The division can also be contacted by calling: 303-894-7499, or toll free outside the Denver Metro Area: 800-930-3745.Get help and customer support from Humana. Find answers to frequently asked questions, access resources and tools to help manage your health easier. ... benefits. Activate Humana Spending Account Card. Find a provider. Find a dentist. Submit an appeal. Prior authorizations. Contact Humana. Sometimes it’s just better to talk with a real person ...
Humana Gold Plus Integrated (Medicare-Medicaid plan) is a health plan that contracts with both Medicare and Illinois Medicaid to provide benefits of both programs to members. Enrollment in Humana Gold Plus Integrated depends on contract renewal. Limitations, copays, and restrictions may apply.. The twilight saga eclipse the movie
When you’re down on your luck, it’s easy to assume that there’s no help—but there are a wide range of programs and benefits in the United States that can help get you back on your ...Humana Value Plus H5619-134 (HMO) is a Medicare Advantage HMO plan with a Medicare contract. Enrollment in this Humana plan depends on contract renewal. The benefit information provided is a summary of what we cover and what you pay. It doesn't list every service that we cover or list every limitation or exclusion.Find out how a HumanaChoice PPO plan could be your choice to fit your coverage needs. You can call 1-800-472-2986 TTY Users: 711 24 hours a day, 7 days a week, or you can request a free plan quote online, with no obligation to enroll in a plan. Over 5 million people choose Humana for their Medicare Advantage plan. 3.Humana Gold Plus H0028-052 (HMO) is a Medicare Advantage HMO plan with a Medicare contract. Enrollment in this Humana plan depends on contract renewal. The benefit information provided is a summary of what we cover and what you pay. It doesn't list every service that we cover or list every limitation or exclusion.When you’re down on your luck, it’s easy to assume that there’s no help—but there are a wide range of programs and benefits in the United States that can help get you back on your ...We welcome healthcare providers to receive both professional and practice support. Access key information to help do business with Humana and work with us online, log into the Availity portal and review our drug lists. Access resources, including our preauthorization list, claims and payments, patient care, our newsletter, Value-based Care Report, compliance training and …What technologists have benefited mankind? These are five of the people behind some of the greatest technological changes to benefit humankind. Advertisement Once upon a time, in a...H5619089000SB24 Summary of Benefits 3 H5619089000 Let's talk about Humana Gold Plus H5619-089 (HMO) Find out more about the Humana Gold Plus H5619-089 (HMO) plan -including the health and drug services it covers -in this easy-to-use guide. Humana Gold Plus H5619-089 (HMO) is aMedicare Advantage HMO plan with a Medicare contract.You may wonder whether a weighted blanket can help you manage your ADHD symptoms. This article explores their benefits, effects, and how to use them. A weighted blanket can help yo... As a UnitedHealthcare member, you get access to benefits that can help you live a healthier lifestyle. Best of all, your benefits are applied instantly! To view the benefits you are covered for and how you can spend, log in here. Healthy Benefits Plus is a sponsored program that provides an allowance on approved over-the-counter products and ... Healthy Benefits+ gives you easy access to the benefits you need to help you live a healthier lifestyle. With Healthy Benefits+, you can: • View your benefit balance. • Review your shopping options. • Browse qualifying items. • Use your card number or barcode to redeem benefits. • Review your transaction history. • Update your ...Welcome to the new Humana Access web portal! Humana Access offers a comprehensive suite of spending account tools for its members. Please use the information provided to you to register for the site and begin taking advantage of your spending account funds. Video: Dependent Care FSA Calculate your Tax Savings How to Register. The Humana Access ...Jan 9, 2024 · No Part D covered drug costs in catastrophic phase. In 2023 and previous years, Medicare Part D enrollees paid 5% (or a small copayment) of the cost of covered drugs after reaching the catastrophic phase. Starting in 2024, you pay nothing for covered Part D drugs after reaching the catastrophic phase. Months before the first Social Security check was issued in 1940, lawmakers made changes to the planned benefits. Instead of the retired worker’s benefit ending… May 27, 2022 • By ...Preventive Value Humana dental plan details. Preventive services: 100% covered in-network after the lifetime deductible is met. 80% covered if you use an out-of-network dentist after the lifetime deductible is met. Preventive services include: Routine oral exams and evaluations. Cleanings.Humana Gold Plus H1036-265 (HMO) H1036 - 265 - 1. (5 / 5) Humana Gold Plus H1036-265 (HMO) is a Medicare Advantage (Part C) Plan by Humana. This page features plan details for 2024 Humana Gold Plus H1036-265 (HMO) H1036 – 265 – 1 available in Counties: HER, HIL, PAS, PIN. IMPORTANT: This page has been updated with plan …General Motors, a global automobile manufacturer based in the U.S., offers a comprehensive benefits package to the survivors of former GM employees who earned retirement from the c...Let's talk about Humana Gold Plus H0028-024 (HMO) Find out more about the Humana Gold Plus H0028-024 (HMO) plan -including the health and drug services it covers -in this easy-to-use guide. Humana Gold Plus H0028-024 (HMO) is aMedicare Advantage HMO plan with a Medicare contract. Enrollment in this Humana plan depends on contract …2. Calling 855-396-0691 (Humana National) or 855-396-3688 (Humana PR) toll-free. 3. Using their Healthy Benefits Plus mobile app. How do members use the Healthy Benefits Plus mobile app? 1. Member downloads the free app from the App Store or Google Play. 2. Member logs in with their username and password or registers their card if they are a ... Humana vision insurance has you covered. While many health insurance plans include some vision benefits, they rarely include coverage for everyday essentials like glasses, contacts or even routine eye exams. See how a vision plan could benefit your health. The drug formulary is a list of medications covered by your Humana insurance plan’s pharmacy benefits. If you have a Medicare prescription drug plan, your formulary may be different from those who get coverage through their employer. Search the list of approved drugs in your plan using the links below..