The CSEA Health Benefits Department can be reached at 518-785-4774 or 1-800-286-5242(JCHB) or by email at healthben@cseainc.org. Two, many mental health and substance use providers do not accept insurance because they do not get paid enough by insurance companies for their services. 154 0 obj <>stream The enhanced network will provide access to more than 400 acupuncture providers at over 500 different locations throughout New York State. trailer <]/Prev 69751/XRefStm 1182>> startxref 0 %%EOF 551 0 obj <>stream MQxh ! q@9[2}8F9(|6r;7// yJ3n+NpBU@eJb@yacPcBiAZc(2#6MJmtjAENjO+Y_*W?1. Within 48 hours, or as soon as reasonably possible after an emergency or urgent hospital admission. 211 0 obj <>stream 1F \g >7^157eG To get started, you MUST select one of the following: Access health care services remotely using The Empire Plan's new, Click here for NYSHIP Online for RETIREES, Demographic Data Self-Identification Form. 0000031169 00000 n Your plan options under NYSHIP (Empire Plan, NYSHIP HMO) and the benefits included with each one In many situations, you will also be required to complete, sign and submit additional forms and proofs. Easy to access benefits summary that can answer most of your general questions. Family coverage will become effective June 10 (the "date of event" is the date of marriage). hVG}G)0}"Hly03+mFcSTuWE/tL^SCS4d5J |m34# |nd)|`lF5U|{h#?82 #C?$cqYPlYoLeIP8u?tlzB2Sv>Rx#y>b Z=cT?Xaocz'y_~S;]Xn$Y#Tp'}[6!t It's unlikely that you would pay the same amount listed in the "you pay" cell of the Summary of Benefits and Coverage. United HealthCare has provided a summary of changes to their benefits plan as a result of the COVID-19 pandemic. endstream endobj 1537 0 obj <>stream By clicking Accept, you consent to the use of ALL the cookies. %PDF-1.4 % Over-the-Counter (OTC) At-home COVID-19 Test Reimbursement Form Health Benefits News NYS Benefits Empire Plan HMOs Dental Vision FAQ This program offers a PPO, known as the Empire Plan, and several different HMOs, varying by geographic region around the State. Do NOT follow this link or you will be banned from the site! `k :`N&bRN~W\^ Og#L lCEtT*1[GH"N;PAa?TX,=wv^`Fc_k_c?*OUb,T|PU[%jJ d_/">\-1M42!@1]$6#&PfW4 enrollees through NYSHIP. 0000003440 00000 n 0000004520 00000 n hV]k1+ 6 2&pqA8@BV)yS,yQX>,OFJx=uNT@4T>BD"5A 1 (7 days ago) WebCall The Empire Plan toll free at 1-877-7-NYSHIP (1-877-769-7447) and select the appropriate program Medical/Surgical administered by UnitedHealthcare Cs.ny.gov Category: Medical Detail Health The average cost of psychotherapy in the U.S. ranges from $100 to $200 per session (depending on the state), according to a 2019 report by SimplePractice, a practice management system for mental health professionals. 1-800-354-4054. Verify your health insurance coverage when you arrange your first visit. Joseph Elie Decline NYSHIP Coverage Check box to decline coverage. If you are a New York State Active Employee and unsure of your group, our Enrollee Group Wizard will ask you a series of questions in order to determine which group you should select. 2023 Empire Plan Advanced Flexible Formulary - January 2023 2022 Empire Plan Advanced Flexible Formulary - October 2022 Empire Plan Providers, Pharmacies and Services Forms - Empire Plan Claim Forms, Non-Participating Provider Claim Forms and Administrative Forms. 1536 0 obj <>stream January 2023 2023 Empire Plan and NYSHIP Rates for State Employees. The Coverage Examples that are included in the SBC are based on a standard set of services that a patient might receive in either scenario. Welcome to EBD - How and where to get the help you need with your coverage under the New York State Health Insurance Program (NYSHIP). ]?e_2Xehb!LIP3F'NrZ(n7y% NYS Empire Health Insurance includes a benefit for hearing aid coverage. Your specific prescription benefit plan design may not cover certain products or categories, regardless of their appearance in this document. Choices details the benefits, services and programs available to NYSHIP enrollees for 2022 under The Empire Plan and NYSHIP HMOs, as well as the procedures for changing options. 4.80. Highmark Blue Cross Blue Shield of Western New York Empire BlueCross (Empire) is the trade name of Empire HealthChoice Assurance, Inc. and Empire BlueCross HMO is the trade name of Empire HealthChoice HMO, Inc. In order to provide you with targeted information about your benefits, you will need to select your group (negotiating unit) and health insurance plan when prompted. www.cs.state.ny.us. We're Excited To Share With You The Highlights Of Our 2022 Nyship Plan* As a hard-working New York State employee, you deserve a health plan that works hard to help you and your family get and stay healthy. Muscle imbalances. 0000024663 00000 n 0000008482 00000 n NYSHIP will again offer the Opt-Out Program in 2023, which will allow eligible employees who have employer sponsored group health insurance, to opt out of their NYSHIP coverage in exchange for an incentive payment. Nitric oxide is a gas we make , Blood: THC from edibles can be detected for 3 to 4 days in blood. This document does not provide the full scope of coverage under any plan and should not be construed as a complete description of a plan's benefits. WvAFk azX[!l=ng|o5,P[t|2{KdrdjZ7` How does mental health diagnosis affect insurance? hKo J$.6 !E9m-L"=o?K@-I2%'"Y%MB 9'pd^h'!A$H0 QYkq 0JB mIp`D ,NU! Hv\MzYGc{?6{3*1.~l}~`8-r&dx@Nf B$0`8&D`2p- 35 East 84th Street, New York, NY 10028. Click here for a summary. These Coverage Examples are intended to help you compare your overall coverage and are not intended as a cost estimator. With Empires EPO (Exclusive Provider Organization) plan, you have access to an extensive network of doctors and hospitals across the country. 0000003021 00000 n Steps to getting contracted plus plan information, Phone numbers and links for connecting with us, List of contracted, high-quality independent lab providers, Update, verify and attest to your practice's demographic data, Provider search for doctors, clinics and facilities, plus dental and behavioral health, Policies for most plan types, plus protocols, guidelines and credentialing information, Specifically for Commercial and Medicare Advantage (MA) products, Pharmacy resources, tools, and references, Updates and getting started with our range of tools and programs, Reports and programs for operational efficiency and member support, Resources and support to prepare for and deliver care by telehealth, Tools, references and guides for supporting your practice, Log in for our suite of tools to assist you in caring for your patients. 0000035395 00000 n 2023 At A Glance - Easy to access benefits summary that can answer most of your general questions. 0000007764 00000 n NYSHIP | NY State Empire Plan Out of Network . 0000001182 00000 n Urine: THC from edibles can be detected in a , Pumpkin seeds are rich in nutrients known to support weight loss, such as fiber, protein, and unsaturated fatty acids. NYSHIP-Empire Plan . in the NYSHIP service area of the HMO in which you are enrolled, you must change to another option. Q. r Cancer Program Includes paid -in full coverage for cancerrelated . MVP. Are mental illnesses covered by insurance? . Gifted, innovative, and sensitive are words patients use to describe Dr. Elie Levine, one of New York's top board-certified plastic surgeons and the Director of Plastic Surgery at Plastic Surgery & Dermatology of NYC. 0000018183 00000 n Prior versions also remain in circulation. No. It includes hospital, medical and prescription drug benefits in one plan. You dont need to pick a Primary Care Physician (PCP), and you dont need a referral to see a specialist. It is updated weekly. . Once the 2023 NYSHIP Rate Flyers are printed, they will be mailed to individual homes by New York State. . The new benefit cards will include annual deductibles and out-of-pocket maximum information. It offers many of the same features and benefits of The Empire Plan, with a higher degree of cost sharing between the employer and plan participants. The Empire Plan pays for covered hospital services, physicians' bills, prescription drugs and other covered medical expenses. Always refer to other plan material, such as Choices for 2023 for more information about The Empire Plan and NYSHIP HMOs if you are making a decision about your family's coverage. The combined annual deductible is $1,250 for the enrollee, $1,250 for the enrolled spouse/domestic partner and $1,250 for all dependent children combined. ycBQ^]}jE k@oI b"h,QM]GuiU.UeY=8Z?>-/bNriO] Therapy can be expensive, with or without insurance. hb```b``ea`e`f`@ +zR&I\O7. Yes. A couple of reasons: One, there are shortages of mental health professionals in general, and particularly in certain parts of the country. As a reminder, it is no longer necessary to reenroll in the Opt-Out Program each year. TD~om=9f;T^Uo>*-N!\%vq{K\QLL)8"rVo{/J!r8QO#Xn%NOPOliQ0*$xBGX8HxHT\T)fO%4b]fle^ 0000015114 00000 n %%EOF State enrollees wishing to change options or to enroll in the Opt-Out Program should submit the necessary paperwork to their agency health benefits administrator no later than the Option Transfer Period deadline of December 30, 2022. Effective July 1, 2020, The Empire Plan will expand its network of acupuncture providers. 0000005866 00000 n This is only a summary. We require advance notification of the procedures and services listed in the chart below. The 2023 Administrative Guide for Commercial, Medicare Advantage and DSNP is applicable to all states except North Carolina. 2023 Medicare Formulary - (List of covered drugs) Information on medication coverage. So chances are your doctor is in our network. . Plastic Surgeon. #Xi^Xow}6|jt42GDSh_L}F>W$-jB`=bhpA6\>a[\vHoCkIC_} o#|~VBEa-;>/:_nzY7Ykhm86 View exam alert here. Service areas may change from year to year. The federal law requires the inclusion of annual out-of-pocket costs on employee health insurance benefit cards and impacts all NYSHIP plans. You will have the option of changing your group at any time after the initial log on. The member benefit contract will determine whether a procedure or service is covered. Average Cost of Therapy Therapy generally ranges from $65 per hour to $250 or more. Empire Plan Health Insurance This 2021 . Independent Health Yes, if you need a paper copy of the Summary of Benefits and Coverage for The Empire Plan or the Uniform Glossary, call 1-877-7-NYSHIP (1-877-769-7447) and select the Medical/Surgical Program. The Empire Plan Supplement will be included with the 2021 UnitedHealthcare Care Provider Administrative Guide. T\,ZRf6-3A|jbSgE$Qov*:|5$!82 q+48+p4^qcj3(~ j}R;M.Gh3[mF"l. hTRn0>I,)Rc,CfvgvXnuun-*b {dmN|]v.8N\VX'mKgRgEZ|?blGt?eP5m(f65!E2IWQ& b\dHD} dHg=# kLWWL)! T0`UWk 2022 NYSHIP Benefit Plan Comparison . Payment from Empire Insurance coverage will pay for your hearing aids 100%. PLAN COST Empire Individual (001) {5__ Visit NYSHIP online Is the Empire plan the same as Empire BlueCross Blueshield? 0000012693 00000 n 5 mi. The Empire Plan will issue new 2023 benefit cards for all enrollees and covered dependents. This site uses cookies. What is the , It raises the risk for heart disease, cancer, liver damage, and stroke. New York State 2023 Monthly COBRA Rates . A$jLv >aL@7 b`+i[ Does the Empire Plan work in other states? In addition, the Affordable Care Act requires that plans offered through the health insurance exchanges cover services for mental health and substance-use disorders. Tool properly, you will need to submit claim forms and pay a higher share of the of! Refer to your Empire Plan Medicare Rx documents for information about your out-of-pocket expenses. In general, depending on the program, members are responsible for either notifying Empire Plan program vendors of certain services or for using network care providers for these services. The open enrollment period to request participation in these programs ends December 12, 2022. Services such as therapist visits, group therapy, and emergency mental healthcare are typically covered by health insurance plans. The cookies is used to store the user consent for the cookies in the category "Necessary". As a certified health coach and yoga instructor, Sandra has a wealth of knowledge and experience in the fields of health and wellness. What is the difference between the Empire plan and the Excelsior plan? These cookies will be stored in your browser only with your consent. Group Medicare Benefits Summary and Rx Rider - 2022 . Category: Health Detail Health call 1-877-7-NYSHIP (1-877-769-7447) and select option 4 Log in to https://www.empireplanrxprogram.com to check for the Empire Plan Prescription Drug Program. 0000010767 00000 n Fortunately, the vast majority of large group plans already provided mental health benefits before the parity law took effect. endstream endobj 105 0 obj <>>>/Filter/Standard/Length 128/O(788Y]>fkwgGh; )/P -1340/R 4/StmF/StdCF/StrF/StdCF/U(m]} )/V 4>> endobj 106 0 obj <> endobj 107 0 obj <> endobj 108 0 obj <>stream 192 0 obj <>/Filter/FlateDecode/ID[<4FFBA4D3B97BF34299321AE55260D791>]/Index[172 40]/Info 171 0 R/Length 103/Prev 345825/Root 173 0 R/Size 212/Type/XRef/W[1 3 1]>>stream and Non-Participating Provider Claim Forms and Administrative Forms. Ostomy supplies from Byram HealthCare Center. Jan 2017 - Jan 2022 5 years 1 month. Some therapists are moving away from taking insurance, in part due to this issue. This cookie is set by GDPR Cookie Consent plugin. NOTE: Information about the cost of this plan (called the premium) will be provided separately. 520 0 obj <> endobj xref What is The Empire Plan? For specific information, visit https://www.empireplanrxprogram.com or call 1-877-7-NYSHIP (1-877-769-7447) and select option 4 for the Empire Plan Prescription Drug Program. The Empire Plan pays for much of the Medicare Part A and B deductible and coinsurance amounts if you use The Empire Plan provider network, and may pay for some other medical expenses not paid by Medicare. Office open Monday-Friday, 9:00 am to 3:00 pm, and by appointment. If you are a retiree, please visit NYSHIP Online for Retirees. 133 0 obj <>/Encrypt 105 0 R/Filter/FlateDecode/ID[<284018234B545685DBF720F06BF76BDD><10A0142CE4365F44B1C7886A1A246CFA>]/Index[104 51]/Info 103 0 R/Length 128/Prev 335407/Root 106 0 R/Size 155/Type/XRef/W[1 3 1]>>stream NYSHIP Claims and Administrative Forms, Copyright 2020 | CSEA Local 1000, AFSCME, AFL-CIO, See the 2023 State NYSHIP Enrollee Biweekly Premium Contributions, See NYS Department of Civil Services NYSHIP Rates and Deadlines publication, Health Insurance Transaction Form PS-404, Health Insurance Affordability and Accountability Act EBD-543. A mental health diagnosis can prevent people from qualifying for life insurance or increasing their existing plan. Patients can appeal life insurance companies decisions by explaining why their mental health care is necessary. A. 0000037637 00000 n Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. 0 health insurance options under NYSHIP. PLEASE NOTE: This link brings you to New York States NYSHIP Online website. 172 0 obj <> endobj endstream endobj 173 0 obj <> endobj 174 0 obj <> endobj 175 0 obj <>stream Your NYSHIP coverage will terminate at the end of the current plan year, and the incentive payments will begin with the first payroll period of the new plan year. Civil Service contracts with Beacon Health Options (Beacon) to administer the MHSA program for the Empire Plan. ;Yg.j$~}sy;^;j*LZ46F[&ZbUloOn_jp?KNayrY^7l`Z>h\%Cqy1_eh^Ci/Z`|xtk$1C@b"0K8'hP0A[("4Q Rates and Health Plan Choices - Information on your Congenital deformities or conditions that are present at birth. hTRn071&Q%PMv7"c2htG\V3onTgv8z yEi!^4Pvun'M-/~fE(._=}V_-8Y'+:i:1 NYSHIP Online contains health plan information for State and Local Government active enrollees. Click the plan names below to view a Summary of Benefits and Coverage for each option. Health (2 days ago) Web2023 Empire Plan and NYSHIP rates for state employees - CSEA, AFSCME 2023 Empire Plan and NYSHIP Rates for State Employees 2023 State NYSHIP Enrollee Biweekly Premium Cseany.org . You have to have cookies enabled so that you will only need to access this page and select your group once. With this change, the Empire Plan benefits from a 50 percent discount for brand-name drugs as part of the Affordable Care Act. endstream endobj startxref How and where to get the help you need with your coverage under the New York State Some factors that can affect the price of therapy include: The therapists training. A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. !nnl^;Fg)/KqT.|g 4z>N{Y3 &yt:%SIS? Y0001_GRP_3926_2022_M_NYSHIP_9482_2632_811 2022 Summary of Benefits . 1 You are enrolled in Empire Plan Medicare Rx, which is a Medicare Prescription Drug Plan. You are a paid member of the New York State Legislature. 0000004405 00000 n #DAek@mW!?Z)xQgCe }&=~$!7*21*bM The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Click here to view a PDF copy that can be printed if necessary. That's $200 for each six-month enrollment period you attend View Details Wellbeingport.com Membership Plan View More FAQs: Health Insurance & Medicare Frequently Asked Questions hbbd```b``"H 0{?dL``v;XXL `fBk2l~d Your SEHP medical coverage will be through insurance carriers under contract with NYSHIP: Empire Blue Cross Blue Shield (for hospital benefits), UnitedHealthcare Insurance Company of New York (medical/surgical), GHI/ValueOptions (mental health and substance abuse) and CIGNA/Express Scripts (prescription drugs). Download the Form: Q. Forms - Empire Plan Claim Forms, and highlights of benefits of the plan. You can get reimbursed up to $400 per plan year. Call the Empire Plan toll-free at 1-877-7-NYSHIP (1-877-769-7447) and choose the Empire Plan NurseLine for health information and support. Click here for a table of the counties each HMO serves in 2023. The New York State Health Insurance Program (NYSHIP), administered by the Department of Civil Service (Civil Service), covers over 1.2 million active and retired State and participating organizations' employees and their dependents. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Because of cookies, the site will remember your group for future visits. Main Campus Contact. See NYS Department of Civil Services NYSHIP Rates and Deadlines publication The annual Option Transfer Period for State employees will begin Thursday, December 1, 2022, and end Friday, December 30, 2022 . 0000021102 00000 n Welcome to NYSHIP Online, where you will find information on the New York State Health Insurance Program for State and Local Government for active employees. You are represented by CSEA or UUP and elect to pay the full premium cost. 1 Sep 2022. If you are enrolled in an HMO, the State will pay 84-88% for individual coverage and 69-73% for family coverage, not to . The New York State Health Insurance Program (NYSHIP) offers eligible employees the option of choosing either The Empire Plan or a NYSHIP HMO for health insurance coverage. nyship empire plan coverage 2022 nw Enterprise Nyship empire plan coverage 2022 os These services are likely to identify members with unmet health care needs who will benefit from UnitedHealthcare's programs, or those of other Empire Plan vendors. The second set reflects 2023 biweekly rates for CSEA-represented state employees who are Grade 10 and above. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Medicare-primary Empire Plan enrollees and dependents will automatically be enrolled in Empire Plan Medicare Rx, a Medicare Part D prescription drug program with expanded coverage designed especially for Empire Plan members. Your HBA, usually located in your agencys personnel office, can also print you a copy. 2023 At A Glance - Will my Summary of Benefits and Coverage explain how services are covered? Since the site uses cookies to bring you targeted information regarding your health benefits, you will need to select your group and health insurance plan when prompted. In the U.S., the fee for a single session frequently falls between $100 and $200, but many providers will offer lower fees, while some charge more. ;1R K `I,%'% XBK* M9Ho,qxHySHA\jS7z oG She started her blog as a way to share her passion for healthy living with others and to provide practical tips and advice for those looking to improve their overall wellbeing. To be eligible for coverage under a NYSHIP HMO, you must live or work in the HMOs service area. This notification list may be modified. Certificate, 2023 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary, 2022 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary, 2022 Empire Plan Advanced Flexible Formulary, Demographic Data Self-Identification Form. Once the 2023 NYSHIP Rate Flyers are printed, they will be mailed to individual homes by New York State. h04E*y!j0XLi*Mb &yX$h Access health care services remotely using The Empire Plan's new, 2023 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary, 2022 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary, 2023 Empire Plan Advanced Flexible Formulary, 2022 Empire Plan Advanced Flexible Formulary, Demographic Data Self-Identification Form. If your dental and/or vision coverage is provided by an Employee Benefit Fund, contact the Fund for 2022 rates. Necessary cookies are absolutely essential for the website to function properly. 001 The Empire Plan For employees of the State of New York who are M/C; Legislature; UCS; represented by CSEA, DC-37, . View exam alert here. Empire Plan Providers, Pharmacies and Services, Access health care services remotely using The Empire Plan's new, Empire Plan Health Insurance Is the Empire Plan part of UnitedHealthcare? NYS Department . Click here for NYSHIP Online for RETIREES How to use this site Active Employees Welcome to NYSHIP Online, where you will find information on the New York State Health Insurance Program for State and Local Government for active employees. 46 verified reviews. You pay less if you use providers that belong to the plans network. Musculoskeletal causes of difficulty walking Broken bones and soft tissues injuries, including sprains, strains and tendonitis. Why do insurance companies not cover mental health? Additional information can be obtained from agency health benefit administrators. E.g. The first set reflects 2023 biweekly rates for CSEA-represented employees who are Grade 9 and below. Call 1-877-7-NYSHIP (1-877-769-7447) and follow the prompts to notify the appropriate program carrier/vendor as outlined below, or go to uhcprovider.com/paan. 0 Should I use the Summary of Benefits and Coverage to decide which NYSHIP option is best for my family? Welcome to EBD - 0000007858 00000 n booklet provides a summary of what Empire Plan Medicare Rx covers . It can also cause testicular shrinkage and breast enlargement in men. Beacon Health Options, Inc. 520 32 Rocky Mountain Detox, Treatment Center, Lakewood, CO, 80214, (413) 359-6401, Desert Cove Recovery believes in providing holistic care and treatment for chemical dependency, and alcohol addiction . The cookie is used to store the user consent for the cookies in the category "Performance". @#AU_E*1 = se_?29}6DYBtR$Db@)O+#3NHzyAY5+uZV~}`GKO# NYSHIP requires retirees and their dependents to be enrolled in Medicare parts A and B when first eligible for primary Medicare coverage due to age or disability. If you need a paper copy of the Summary of Benefits and Coverage or the Uniform Glossary for a NYSHIP HMO, please contact the HMO. Click the plan names below to view a Summary of Benefits and Coverage for each option. Click on the link below to access the Summary of Benefits and Coverage for the following: The Empire Plan | Espaol 0000028277 00000 n Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. ID cards, Empire Plan supplement - 2022 UnitedHealthcare Administrative Guide. Terms defined in the Uniform Glossary Born and raised in the bustling city of New York, Sandra has always been drawn to the idea of living a balanced and fulfilling life. Overall, Sandra Hearth is a knowledgeable and passionate advocate for healthy living, and her blog "Wellbeing Port" is a valuable resource for those looking to improve their health and wellbeing. View exam alert here. Rates and Health Plan Choices - Information on your health insurance options under NYSHIP. Analytical cookies are used to understand how visitors interact with the website. 104 0 obj <> endobj 0000004228 00000 n &szg|n`>#ifOC,L.B5%&Rde.jMOQ}yz , Is this what I will pay if I experience one of these events? 0000000936 00000 n For more information about your coverage, or to get a copy of the complete terms of coverage, visit www.cs.ny.gov or call 1-877-7-NYSHIP (1-877-769-7447). Empire Plan Health Insurance Certificate - Detailed description of the benefits and plan requirements. 1 . eB,eZ%1c0+g@kPf:W:E/X:(v*mUFgNP)c3,(J2Ivj%mea? ri~-]!0[sX f=e7[Z.v.won}bn |^bP)e"3.rlM%fU6 j\NoD@U ?o]_by[>yrRd|lhm(-P;+\2T94DZ2*aBBBkn)@+seUH_*U{cK v +GGq9z 2023 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - January 2023, 2022 Empire Plan Advanced Flexible Formulary - Comprehensive Formulary - October 2022, 2022 Empire Plan Advanced Flexible Formulary - October 2022. Forms - Empire Plan Claims Forms share the cost for covered health care services. hWYo6+| uK\G-&3|9h` gCrOcfY OPVK5GCb`Q XSX %jaJ / ac@k6%!