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Most of the continusingularities (cores and deltas) and then apply a set of rules ous classifcation techniques proposed in the literature use impotence buy malegra fxt from india. Continuous indexing algorithms can also Such automatic fngerprint classifcation algorithms may be built using other non-minutiae-based fngerprint features be used to index all the fngerprints in the database into such as texture features erectile dysfunction drugs and heart disease purchase malegra fxt 140mg with mastercard. In general impotence by age buy malegra fxt 140 mg without a prescription, different strategies may be defned correspondence is not found within the hypothesized for the same indexing mechanism impotence vs infertile best buy malegra fxt. The search may be suffciently similar by the minutiae matcher and terminates stopped as soon as a match is found or when the likelithe search when a true correspondence is found erectile dysfunction acupuncture purchase malegra fxt overnight delivery. For example female erectile dysfunction treatment generic malegra fxt 140 mg visa, the search but algorithm B may be better than algorithm A at a low can be spread across many computers, and specialfalse-nonmatch rate. In such cases, the algorithm designpurpose hardware accelerators may be used to conduct ers may choose a certain algorithm or specifc parameters fast fngerprint matching against a large database. Automatic fngerprint algorithms, scan fngerprint readers introduced in 1988 were unwieldy on the other hand, are not nearly as accurate as forensic beasts with many problems as compared to the sleek, experts and have diffculty in dealing with the many noise inexpensive, and relatively miniscule sensors available tosources in fngerprint images. During the past few decades, research and active use algorithms is crucial in designing fngerprint systems for of fngerprint matching and indexing have also advanced real-world usage. The matching result must be reliable our understanding of individuality, information in fngerbecause many real-world decisions will be based on it. Algorithm designers usually acquire or collect their own fnIncreasingly inexpensive computing power, less expensive gerprint database and test the accuracy of their fngerprint fngerprint sensors, and the demand for security, effciency, algorithms on this database. By testing new algorithms, and convenience have led to the viability of automatic or changes in the old algorithm, or changes in algorithm fngerprint algorithms for everyday use in a large number of parameters on the same database, they can know whether applications. Further, the algorithms developers look closely There are a number of challenges that remain to be overat the false-positive and false-nonmatch errors made by come in designing a completely automatic and reliable their algorithms and get a better understanding of the fngerprint individualization system, especially when fngerstrengths and limitations of their algorithms. Although automatic systhe errors made by different algorithms or changes, the altems have improved signifcantly, the design of automated gorithm designers try to understand whether a change imsystems do not yet match the complex decision-making of proves false positives, false nonmatches, both, or neither, a well-trained fngerprint expert as decisions are made to and why. The algorithms designers can then come up with match individual fngerprints (especially latent prints). Still, algorithmic techniques to address the remaining errors automatic fngerprint matching systems hold real promise and improve their algorithms accuracy. It is desirable to for the development of reliable, rapid, consistent, and costhave as large a database of fngerprints as possible from as effective solutions in a number of traditional and newly large a demography as possible so that the algorithms are emerging applications. The lack of such a rich set of informative There is a trade-off between the false positives and falsefeatures in automatic systems is mostly because of the nonmatch error rates in fngerprint matching. Either of unavailability of complex modeling and image-processing these two errors can be lowered at the expense of increastechniques that can reliably and consistently extract ing the other error. Interestingly, the human, intuition-based manual fngerprint recognition different fngerprint algorithms may perform differently, approach may not be the most appropriate basis for the depending on the error rates. Annual Report of the Crime Scene Investigations Christophe Champod, Wayne Eaton, Robert J. American National Standard for Information Systems Data Format for the Interchange of Fingerprint, Facial, & Kiji, K. Special Publication #500-245; National Institute of Standards and Technology, U. Data Format for the Interchange of Fingerprint, Facial, & In Advances in Fingerprint Technology, 1st ed. Automated Fingerprint Identifcation; tion; In Proceedings of the Carnahan Conference on SecuTechnical Note 538; National Bureau of Standards, U. The M40 Fingerprint Matcher; Technical Fingerprint Recognition; Springer-Verlag: New York, 2003. Because some techniques are often intricately related and conBrian Yamashita and tinuously changing, it is imperative that those involved in Mike French laboratory and crime scene processing are well trained and well practiced (Trozzi et al. Contributing authors Stephen Bleay, For those involved in crime scene and laboratory work, Antonio Cantu, Vici Inlow, safety is paramount. It is important to follow safe work Robert Ramotowski, practices when using the processes described in this chapter. It is also important for those working with potentially hazardous materials or equipment to wear the appropriate personal protective equipment, such as gloves, lab coats, eye protection, and respirators; to use engineering controls such as fume hoods; and to practice proper laboratory procedures to reduce exposure to pathogens or harmful chemicals (Masters, 2002). Many of these types of prints are wholly visible to the unaided eye, and only some form of imaging is needed for preservation. A good example of a patent print would be a greasy impression left on a windowpane. Lighting is a very important consideration in the search for this type of fngerprint; a good 7?3 C H A P T E R 7 Latent Print Development fashlight or forensic light source is especially useful in the 7. Correctly identifying the type of surface expected to bear the word latent means hidden or unseen. Latent prints are a fngerprint is an important step toward successful develundetectable until brought out with a physical or chemical opment. Surfaces are generally separated into two classes: process designed to enhance latent print residue. This separation is required to select of these processes and techniques are discussed in the the proper technique or reagent and the appropriate seremainder of this chapter. A plastic print is created when the substrate is pliable Porous substrates are generally absorbent and include enough at the time of contact to record the three-dimenmaterials like paper, cardboard, wood, and other forms of sional aspects of the friction skin. Fingerprints deposited onto these media absorb are formed when the raised friction ridges are physically into the substrate and are somewhat durable. Amino acid pushed into the substrate, creating a mold of the friction techniques are particularly useful here because the amino skin ridge structure. Clay, putty, soft wax, melted plastic, acids tend to remain stationary when absorbed and do not heavy grease, and tacky paint are all substrates condumigrate (Almog, 2001, p 178). These surfaces repel impressions are usually photographed under oblique lightmoisture and often appear polished. These prints may also be preserved with silicone-type Latent prints on these substrates are more susceptible to casting materials. These conditions are described categories but should be mentioned is considered semipoas follows: rous. Semiporous surfaces are characterized by their nature to both resist and absorb fngerprint residue. These conditions are affected by age, gender, stimuli, occupation, surfaces include glossy cardboard, glossy magazine covers, disease, and any substances the subject may have touched some fnished wood, and some cellophane. Transfer conditions also dictate whether a suitable impression will be left (Olsen, 1978, pp 117?122). These are Textured substrates can be porous or nonporous and presthe conditions of the surface (substrate) being touched, ent the problem of incomplete contact between the fricincluding texture, surface area, surface curvature or shape, tion ridge skin and the surface being touched. The pressure applied during contact (dethis often results in fngerprints being discontinuous and position pressure), including lateral force, also contributes lacking fne detail when developed. The brushing action and tape lift typically Post-transfer conditions, also called environmental facdevelop the texture of the substrate, leaving fngerprints tors, are forces that affect the quality of latent prints after diffcult or impossible to visualize. Examples of these factors are physical contact from another surface, water, humidity, and temperature. Some glove manufacFingerprint reagents and development techniques are genturers or safety supply distributors will list gloves recomerally intended to be used in combination and sequential mended for use with various chemicals. These methods are often specifc to either porous protects the evidence from contamination and the user or nonporous substrates; however, some techniques have from exposure to pathogens or hazardous chemicals. Deviation from the recommended does not, however, guarantee that latent prints will be preorder could render subsequent processes ineffective. To prevent damage to fngerprints 105?179) for a recent review that includes many fngerprint on these surfaces, evidence should be handled in areas not development techniques. The following general procedures normally touched or on surfaces incapable of yielding viable are appropriate during a systematic search for latent fngerfngerprints. It should also be noted that the use of gloves print evidence: does not preclude the transfer of friction ridge detail from. Visual inspection with a bright light, forensic light the examiner to the exhibit (Willinski, 1980, pp 682?685; source, or laser St-Amand, 1994, pp 11?13; Hall, 1991, pp 415?416). Some discretion will remain with individual agenboxes, paper bags, and plastic bags are the most common cies and practitioners both at the crime scene and in the forms of evidence packaging. The following factors may infuence the choice paper packaging because it is breathable and cost effective, of development techniques as well as the level of resourcalthough plastic bags are also widely used. Any items that es used in any situation: have been wet should be allowed to air-dry prior to packag-. Type of latent print residue suspected ing because excess moisture trapped in any package will increase the probability of destructive fungal growth. Type of substrate ture can also be trapped in plastic bags when evidence is gathered in high-humidity environments. Under no circumstances print deposition should fllers such as shredded paper, wood shavings, or packing peanuts be used inside the package with the. Length of time since evidence was touched evidence because they may easily wipe off fragile fngerprints. Once evidence is secured, the packare secreted onto the surface of friction ridge skin. Next, age should be sealed with evidence tape so that there are there will be a detailed look at the chemical composition no entry points. The tape should be signed by the person of the secretions from each of the glands responsible for securing the evidence, and the appropriate identifying contributing to latent print residue. Another section will information should be placed on the package as specifed cover how the composition of some of these secretions by the agency responsible for collection. Finally, recent studies that have investigated how latent print residue changes with the remainder of this chapter is intended to describe, time will be summarized. Readers are sion of reference to a particular technique does not indicate directed to Ramotowski (2001, pp 63?104) for more detail. Several formulations for various chemical solutions have the total area of skin on the body exceeds 2 m2; yet, on been collected in Section 7. Skin serves several functions, including regulation of body temperature, moisture retention, protection from 7. The layer tion ridge skin makes contact with a surface is a complex situated just above the dermis is the stratum germinativum mixture (Ramotowski, 2001, pp 63?104; Bramble and (basal cell layer), and the top layer is the stratum corneum Brennan, 2000, pp 862?869). In this stratum, eleiden is converted to fed hundreds of compounds present in human sweat keratin, which is continually sloughed off the surface of the (Bernier et al. A cell beginning in the stratum germinasweat have been performed by both the dermatology and tivum typically travels through to the stratum corneum in forensic science communities. Although knowledge tissues, including collagen, elastin fbers, and an interfof the composition of sweat produced in the various glands brillar gel composed of glycosamin?proteoglycans, salts, throughout the body is of interest and provides a baseline and water (Odland, 1991). This layer also contains the two for comparison purposes, this information does not accumajor sudoriferous and sebaceous glands. These are the sudoriferous glands (eccrine and apofully visualized, a thorough understanding of these changes crine) and the sebaceous glands. These compounds this section will begin with a very brief overview of skin either exude from pores onto the friction ridges or are anatomy, which will be necessary to gain a better undertransferred to the friction ridges through touching an area standing of how the chemical compounds in a latent print. Several million of Table 7?1 these glands are distributed throughout the body, most Relative abundance of amino acids in sweat. These glands produce a secretion that is mostly water but contains many compounds in trace quanSerine 100 tities (Brusilow and Gordes, 1968, pp 513?517; Mitchell and Glycine 60 Hamilton, 1949, p 360; Sato, 1979, pp 52?131; Bayford, Ornithine?Lysine 45 1976, pp 42?43; Olsen, 1972, p 4). The average quantity of secretions produced during a typical 24-hour period Ornithine 41 varies between 700 and 900 grams. Of Leucine 9 primary importance to the development of latent print Glutamic acid 8 ridge detail are the amino acids. Table 7?1 summarizes the average values of abundance for the amino acids listed (HaIsoleucine 7 dorn et al. Proteins are Tyrosine 5 also found in eccrine sweat (Nakayashiki, 1990, pp 25?31; Uyttendaele et al. Acetaminophen has also been reported in a Lipids have also been detected in eccrine sweat. These sweat glands are associated with the coarse of both fatty acids and sterol compounds (Boysen et al. One of the few published phetamine and its metabolite L -methamphetamine had studies of apocrine secretions described them as milky in been detected (Vree et al. Ethanol has appearance and stated that they dried to a plasticlike solid, also been detected in eccrine sweat (Naitoh et al. These iron (Knowles, 1978, pp 713?721), C19-steroid sulfates, and compounds contain a fatty acid that has been esterifed? Sebaceous glands are relatively small saclike organs and Sterol esters are thought to be produced secondarily by can be found in the dermis layer of skin. Squalene, which comprises about 10% of sebum, is a maThey are particularly abundant on the scalp, face, anus, jor precursor for steroid production in the body (including nose, mouth, and external portions of the ear (Anderson et the steroid alcohols, lanosterol and cholesterol). The purpose of the free fatty acid composition in sebum changes sebaceous secretions appears to be to help prevent sweat dramatically with age of the donor (Ramasastry et al. This the primary compounds present in sebaceous secretions value rises dramatically to about 20?23% in young chilare lipids. The value then stabilizes to ues for the various lipid classes present in sebaceous se16?19% for adolescent and postadolescent subjects (up to cretions, as reported by Goode and Morris (1983). Newborns were found to have triglycerides making up approximately 52% of their Table 7?2 sebum. This value decreased to 38% in infants (1 month to the approximate percentage of lipids in 2 years of age). Squalene 10 the value of cholesterol in sebum tended to peak in preadolescents (7. Cholesterol ester composition fatty acids are saturated, with straight chain C16 and C14 tended to vary in an unpredictable way.

We will work with you to have all arrangements made at least one day before your discharge erectile dysfunction age 40 buy generic malegra fxt 140mg. Please make sure you check your bedside cabinet erectile dysfunction drug has least side effects buy malegra fxt now, over bed table erectile dysfunction treatment in sri lanka buy malegra fxt 140mg on line, and locker for your personal items before you leave your room erectile dysfunction over the counter medication discount malegra fxt master card. If you are going to be admitted erectile dysfunction doctors in queens ny best 140 mg malegra fxt, please have a family member or friend bring you to the medical center erectile dysfunction drugs new cheap malegra fxt 140 mg visa. Handicapped Parking Handicapped parking spaces are clearly marked and available in all the parking lots. Lost and Found If you lose any personal items during your visit, please contact Environmental Management at 314-652-4100, ext. This includes knives with a blade longer than 3, box cutters, pepper spray, mace, martial arts weapons, and firearms. If a Veteran, seeking admission to the hospital is in possession of a weapon, it should be disposed of before admission. However, when a weapon is not surrendered but confiscated, the offender may be charged, fined and/or imprisoned. If you are on a ward that needs to be evacuated, please follow the instructions from the employees. Fire alarms are located near each exit 12 Patient Rights and Responsibilities We want to provide the best care possible to help you improve your health. Louis Health Care System regardless of race, color, religion, national origin, sex, pregnancy, gender identity, parental status, marital status, sexual orientation, age, disability, genetic information, or political affiliation. Medication or physical restraints may be used only if all other efforts to keep you or others safe have not worked. 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In addition, there is a vending room on the first floor and vending machines in the basement, third, fourth and sixth floors. There are main vending areas located in the basements of Building 1 and Building 52. Additional vending machines are located on the first floor of Buildings 1, 2, 18, 50, 51 and 53. Veteran Employment Opportunities Department of Veterans Affairs has a long and consistent record of employing Veterans. A Veteran Service Organization such as those listed below can also provide information on available benefits or help you apply. Veterans of Foreign Wars 314-289-6382 American Legion Service Officer 314-652-4100, ext. Walking Trails There are indoor and outdoor walking trails available at both locations. If you have any questions about information in this guide, please ask your Health Care Team. Important Questions Answers Why this Matters: In-Network $7,000 Individual / Generally, you must pay all of the costs from providers up to the deductible amount before this What is the overall $14,000 Family Total. Out-of-Network $14,000 Individual meet their own individual deductible until the total amount of deductible expenses paid by all / $28,000 Family Total. For example, this plan covers certain preventive before you meet your services that may require a services without cost sharing and before you meet your deductible. Yes, $600 for prescription drug Are there other deductibles You must pay all of the costs for these services up to the specific deductible amount before this coverage. In-Network $7,900 Individual / the out-of-pocket limit is the most you could pay in a year for covered services. Out-of-Network $15,800 Individual overall family out-of-pocket limit has been met. Premiums, balance-billing charges, health care this plan What is not included doesn?t cover and penalties for Even though you pay these expenses, they don?t count toward the out-of-pocket limit. B0004637 1 of 10 2018207U100018 Important Questions Answers Why this Matters: this plan uses a provider network. See You will pay the most if you use an out-of-network provider, and you might receive a bill from a Will you pay less if you use Be aware your network provider might use an out-of-network provider for some services network providers. All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies. Ask your provider if the services No Charge Not Covered care/screening/immunization you need are preventive. Other coverage limits may Tier 3 Drugs prescription drug prescription drug More information about apply. Childbirth/delivery If you are pregnant 40% after deductible 70% after deductible None professional services Childbirth/delivery facility 40% after deductible 70% after deductible Precertification may be required services 4 of 10 * For more information about limitations and exceptions, see plan or policy document at Prior review and certification of services Skilled nursing care 40% after deductible 70% after deductible may be required or services will not be covered for all plans. Prior review and certification of services may be Durable medical equipment 40% after deductible 70% after deductible required or services will not be covered. Precertification may be required for inpatient Hospice services 40% after deductible 70% after deductible services. The contact information for those agencies is: North Carolina Insurance Consumer Assistance Program at Your Grievance and Appeals Rights: Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. If you don?t have Minimum Essential Coverage for a month, you?ll have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. If your plan doesn?t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace. Language Access Services: To see examples of how this plan might cover costs for a sample medical situation, see the next section. Use this information to compare the portion of costs you might pay under different health plans. Murat Yurdakok Hacettepe University Faculty of Medicine, Ankara, Turkey Proceedings Proceedings of the 11th International Workshop on Neonatology and Satellite Meetings Cagliari (Italy) October 26th-31st, 2015 From the womb to the adult Guest Editors: Vassilios Fanos (Cagliari, Italy), Michele Mussap (Genoa, Italy), Antonio Del Vecchio (Bari, Italy), Bo Sun (Shanghai, China), Dorret I. Photoisomerization starts as soon as the lights turned on, and risk of bilirubin encephalopathy is lower in infants who receive phototherapy even in the same serum bilirubin levels. Blue light is absorbed most readily if bilirubin is in a tube, but skin penetration and albumin binding shift of the most effective light to blue-green region. Despite higher irradiance in double or triple phototherapy, there is no superiority in clinical settings. Ribofavin loss and lipid peroxidation are prevented with using dark tubing or covering the line with aluminum foil. The consequences of light penetration into deep brain in newborn infants because of open wide fontanel and thin skull is unknown. Non-ocular light exposure and suppressed melatonin secretion may affect autonomic and behavioral disturbances. Phototherapy does not effect ductal patency or reopening, its effect on the incidence of retinopathy of prematurity have yielded conficting results. Neonatal phototherapy increases the risk of asthma and allergic disorders in older age groups. Aggressive (lowthreshold) phototherapy increase mortality risk in small preterm infants less than 750 g at birth, which may be related to the reduced bilirubin with its 1/26 In conclusion, phototherapy is is reversible; and is much faster than structural not a treatment without side effects and overtreatment isomerization which is irreversible and results in should be reevaluated in small preterm infants. Thus, the excretion Keywords of lumirubin is considered quantitatively to be more important during phototherapy than excretion of Z,EPhototherapy, newborn, preterm infants, side effects. Therefore, transformation to lumirubin is primarily responsible for the phototherapy effect. But it occurs much more slowly, and is thought to be less important than Murat Yurdakok, Hacettepe University Faculty of Medicine, Ankara, than the others [2]. Metabolism of bilirubin photoisomers How to cite the metabolism of the photoisomers is not known Yurdakok M. Thus, Introduction their formation facilitates the biliary elimination of bilirubin photoisomers when the normal pathway of About 1 out of 2 of term and 8 out of 10 of preterm hepatic glucuronidation is inadequate as in neonatal babies develop jaundice, which generally appears period. In most infants with physiological excreted in bile in unchanged form without jaundice bilirubin levels do not rise to a point that conjugation to glucuronides. In these cases, treatment aimed at parent isomers, the photoisomers formed only decreasing bilirubin level is required in order to monoglucuronides. However, phototherapy has been effectively used as a relatively this is unlikely to be a major effect because bilirubin is inexpensive and noninvasive method of treating always in excess in the circulation, and the molecular neonatal hyperbilirubinemia. Today exchange structure of the native bilirubin has also advantage transfusions are rare and are only used as a rescue for glucuronidation. The pigment composition of therapy to avoid kernikterus in newborns with severe bile of infants undergoing phototherapy is likely jaundice when phototherapy is inadequate. Initially, the bile contain principally photoisomers Mechanism of action of bilirubin along with relatively low concentrations of Z,Z-bilirubin formed by thermal reversion of its When exposed to light, a fraction of native confgurational isomers in bile. Confgurational isomerization (4Z,15E; monoglucuronides of Z-lumirubin, E,Zand Z,E4E,15Z; 4E,15E; briefy Z,E; E,Z; E,E; respectively) bilirubin [3]. If the evidence regarding bilirubin photoisomer phototherapy is initiated during the frst 3-4 days of toxicity from in vitro studies is not defnitive. The commonly used laboratory methods for Indications clinical bilirubin analysis do not distinguish between isomers [4], and changes in bilirubin photoisomers To aid physicians in deciding when to initiate induced by light exposure during clinical practice do phototherapy, several guidelines has been develnot infuence the measured unbound bilirubin level oped as The American Academy of Pediatrics [5]. The presence of photoisomers has also received Subcommittee on Hyperbilirubinemia Guidelines on much less attention in most clinical studies of the Management of Hyperbilirubinemia in Newborns phototherapy. This guideline may be present in serum/plasma samples obtained includes an algorithm for the management of from icteric infants even before they undergo jaundice in the newborn nursery as well as guidelines phototherapy.

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If both parents have the same birthday, the plan that has covered the parent the longest is primary. This rule applies to calendar years starting after the plan is given notice of the court decree. Retired or Laid-off Employee the plan that covers you as an active employee (an employee who is neither laid off nor retired) is primary to a plan covering you as a retired or laid-off employee. The same is true if you are covered as both a dependent of an active employee and a dependent of a retired or laid-off employee. If none of the rules above apply, the plans must share the allowable expenses equally. A plan may take into account the benefits of another plan only when it is secondary to that plan. The secondary plan is allowed to reduce its benefits so that the total benefits provided by all plans during a calendar year are not more than the total allowable expenses incurred in that year. The secondary plan must credit to its deductible any amounts it would have credited if it had been primary. It must also calculate savings for each claim by subtracting its secondary benefits from the amount it would have provided as primary. It must use these savings to pay any allowable expenses incurred during that calendar year, whether or not they are normally covered. This rule will not apply if an alternative procedure is agreed upon between both plans and the member. To expedite payment, be sure that you and/or your provider supply the information in a timely manner. If the primary plan fails to pay within 60 calendar days of receiving all necessary information from you and your provider, you and/or your provider may submit your claim to the secondary plan to make payment as if the secondary plan was primary. In such situations, the secondary plan is required to pay claims within 30 calendar days of receiving your claim and notice that your primary plan has not paid. However, the secondary plan may recover from the primary plan any excess amount paid under Right of Recovery/Facility of Payment. To the extent of such payments, we are fully discharged from liability under this plan. We can recover excess payment from anyone to whom or for whom the payment was made or from any other issuers or plans. This plan has the right to appoint a third party to act on its behalf in recovery efforts. The liable party is also known as the "third party" because it is a party other than you or us. Subrogation means we may collect directly from third parties or from proceeds of your recovery from third parties to the extent we have paid on your behalf for illnesses or injury caused by the third party and you have been fully compensated for your loss. Because we have paid for your illness or injuries, we are entitled to recover those expenses from any responsible third-party once you have been fully compensated for your loss. 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Our share is that percentage of the legal expenses reasonable and necessary to secure a recovery against the liable party that the amount we actually recover bears to the total recovery. Before accepting any settlement on your claim against a third party, you must notify us in writing of any terms or conditions offered in a settlement, and you must notify the third party of our interest in the settlement established by this provision. In the event of a trial or arbitration, you must make a claim against, or otherwise pursue recovery from third-parties payments we have made on your behalf, and give us reasonable notice in advance of the trial or arbitration proceeding (see Notices). You must also cooperate fully with us in recovering amounts paid by us on your behalf. If you retain an attorney or other agent to represent you in the matter, you must require your attorney or agent to reimburse us directly from the settlement or recovery. If you fail to cooperate fully with us in the recovery of the payments we have paid on your behalf, you are responsible for reimbursing us for payments we have made on your behalf. You agree, if requested, to hold in trust and execute a trust agreement in the full amount of payments we made on your behalf from any recovery you obtain from any third-party until such time as we have reached a final determination or settlement regarding he amount of your recovery that fully compensates your for your loss. You can get claim forms by calling Customer Service or you can print them from our website. Step 4 Check to make sure that all the information from Steps 1, 2, and 3 is complete. Prescription Claims For retail pharmacy purchases, you do not have to send us a claim form. Send your pharmacy receipts attached to a completed Prescription Drug Claim form for reimbursement. Coordination of Prescription Claims If this plan is the secondary plan as described under Other Coverage, You must submit your pharmacy receipts attached to a completed claim form for reimbursement. Please send the information to the address listed under Secondary Prescription Claims included on the drug claim form. Timely Payment of Claim You should submit all claims within 365 days of the date you received services. No payments will be made by us for claims received more than 365 days after the date of service. Exceptions will be made if we receive documentation of your legal incapacitation or when required by law or regulation. Notice Required for Reimbursement and Payment of Claims At our option and in accordance with federal and state law, we may pay the benefits of this plan to the eligible member, provider, other carrier, or other party legally entitled to such payment under federal or state medical child support laws, or jointly to any of these. Such payment will discharge our obligation to the extent of the amount paid so that we will not be liable to anyone aggrieved by our choice of payee. Complaints You can contact customer service if you have a complaint, we may ask you to send the details in writing. If you do not agree with the internal decision, you might qualify for an external appeal. We must receive your internal appeal request within 180 days of the date you were notified of our initial decision. If you choose someone else, complete an Authorization for Appeals form located on premera. By sending your appeal in writing, you can provide more details about your appeal. If you need help filing an appeal, or would like a copy of the appeals process, please call Customer Service. If you would like to review the information used for your appeal, please contact Customer Service. Your benefits during the appeal period should not be taken as a change of the initial denial. If our decision is upheld, you must repay all amounts we paid for ongoing care during the appeal review. Your life or health is in serious danger or you are in pain that you cannot bear, as determined by our medical specialist. You are inpatient or receiving emergency care If your situation is urgent, you may ask for an expedited external appeal at the same time you request a fast internal appeal. Type of appeal When to expect notification of a decision Urgent appeals No later than 72 hours. In no event will coverage be extended to a subscriber or dependent who resides in the state for the primary purpose of obtaining health care or health care coverage. The confinement of a person in a nursing home, hospital, or other medical institution shall not by itself be sufficient to qualify such person as a resident. Individuals can only apply during an open enrollment or special enrollment period (See Open Enrollment Period and Special Enrollment Period. All rights and benefits afforded to a "spouse" under this plan will also be afforded to an eligible domestic partner. In determining benefits for domestic partners and their children under this plan, the term "establishment of the domestic partnership" shall be used in place of "marriage"; the term "termination of the domestic partnership" shall be used in place of "legal separation" and "divorce. They need not contribute equally or jointly to the cost of these expenses as long as they agree that both are responsible for the cost, and. Are not related by blood closer than would bar marriage in the State of Washington, and. Were mentally competent to consent to contract when the domestic partnership began, and. A child "placed" with the subscriber for the purpose of legal adoption in accordance with state law. There must be a court order or other signed by a judge or state agency, which grants guardianship of the child to the subscriber or spouse as of a specific date. When the court order terminates or expires, the child is no longer an eligible child. In this instance, you must submit the application within 60 days of birth or placement for adoption, or a qualifying loss of coverage event. We must receive a completed enrollment application before the end of the open enrollment period. If the application is not received within the open enrollment period, applicants cannot apply for enrollment until the next open enrollment period. Marriage or entering into a domestic partnership, including eligibility as a dependent. Placement for adoption of a child of the subscriber or enrolled spouse, also applies to children placed in foster care. A loss of coverage due to a dissolution of marriage or termination of domestic partnership. A loss of coverage due to a change in residence and your existing health plan does not provide coverage in your new area. When we receive your completed enrollment application, required documentation and any required subscription charges within 60 days of the qualifying event, coverage under this plan will become effective on the first of the month following receipt of your enrollment application or we are notified of enrollment by the Exchange. When Coverage Begins Subscriber and Existing Dependents If you enrolled through the Exchange, your coverage will begin as of the effective date established by the Exchange. If you enrolled directly with us, initial coverage on this plan will become effective as follows. For applications received by the 14th day of the month, coverage will be effective on the 15th day of that month. In this instance, a pro-rated subscription charge will be applied for the first partial month of coverage. The receipt date will be the date of postmark or the date of delivery to us, whichever is earlier. The effective date of coverage will be determined by the receipt date of your approved application and required subscription charges. Biological Newborn Children Newborn children are automatically covered for the first 3 weeks from birth when the mother is covered on the plan. Beyond the first 3 weeks, you must submit an application to us or contact the Exchange to enroll the child. The child may be enrolled as a dependent under a current subscriber or on their own plan as a single subscriber. Otherwise, coverage will become effective as described under General Eligibility Requirements. Adoptive Children the effective date will be the date of placement with the subscriber only if application to us or the Exchange is received timely. When Coverage Begins for Domestic Partners and Their Children Coverage will be effective for the domestic partner and/or their children upon our acceptance and approval of the completed application or notification of enrollment through the Exchange and payment of required subscription charges as described under When Coverage Begins. Legal Wards Children who are legal wards of the subscriber or spouse and meet all stated eligibility requirements will be accepted for coverage when we receive the completed application or notification of enrollment through the Exchange and copies of the final court-ordered guardianship. The effective date will be the date of the guardianship order if the approved application is received within 60 days of that date. Children Covered by Medical Child Support Orders An application must be submitted to us or enrollment through the Exchange, along with a copy of the medical child support order. The effective date will be the date of the order only if the application is received within 60 days of the date of the order. Otherwise, coverage will become effective as stated under General Eligibility Requirements. New Dependents Due To Marriage the effective date will be the date of marriage only if the approved application is received or enrollment is done through the Exchange within 60 days of the date of the marriage. Other Provisions Affecting Coverage Term of Contract the term of this contract is for one month from its effective date and will renew on a month to month basis.

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