2018 member handbookaspirus arise member handbook | 5 your doctor is a vital health partner your...

Aspirus Arise 2018 Member Handbook

Aspirus Arise Member Handbook | 3

TABLE OF CONTENTSInsurance Identification Card ...................................................................................................................... 4Contact Information ....................................................................................................................................... 4Language Assistance .................................................................................................................................... 4Benefits ............................................................................................................................................................. 4Your Primary Care Practitioner (PCP) ........................................................................................................5Do I Have to Designate a Primary Care Practitioner (PCP)? ...............................................................5Continuity of Care ..........................................................................................................................................5Choice of Health Care Providers ...............................................................................................................5How Will Bills Be Paid if I Receive Authorized Care from a Non-Participating Provider? ..........5Hospital Care ...................................................................................................................................................5How to Receive Care After Normal Business Hours ............................................................................5Types of Care Available ................................................................................................................................6Should I See a Doctor? ................................................................................................................................. 7Out-of-Area Care ............................................................................................................................................ 7Utilization Management ................................................................................................................................ 7First Health Complementary Network ...................................................................................................... 7 Prior Authorizations ....................................................................................................................................... 8Whose Responsibility is it to Obtain Required Prior Authorizations? ............................................... 8When Do I Need a Prior Authorization? ...................................................................................................9Services That Do Not Require a Prior Authorization .............................................................................9How to Contact Us About a Prior Authorization ....................................................................................9Affirmative Statement Regarding Incentives ......................................................................................... 10Health Resource Team ................................................................................................................................ 10Care Coordination ........................................................................................................................................ 10Pharmacy Benefit Information .................................................................................................................. 10Wellness Benefits ...........................................................................................................................................11Office Services and Specialty Care ...........................................................................................................11Chiropractic Services ...................................................................................................................................12Exclusions ........................................................................................................................................................12How Do I File a Claim ...................................................................................................................................13Claim Denials ..................................................................................................................................................13How to Voice a Complaint or File a Grievance .....................................................................................13Your Right to an Independent External Review .....................................................................................13New and Emerging Medical Technologies .............................................................................................13Member Rights and Responsibilities ........................................................................................................14Find a Doctor Online Member Tool ..........................................................................................................15


Welcome to Aspirus Arise!Thank you for choosing Aspirus Arise! We are delighted to have you as a member.

Please review this Member Handbook carefully. It is your guide to receiving the most from your insurance coverage. Aspirus Arise local representatives are here to answer your questions at 715-972-8140. Visit our website at AspirusArise.com for additional information.

For added convenience, you can use the information on your member ID card to obtain your explanation of benefits (EOB), billing summaries, policy information, and more online. Visit us at AspirusArise.com to register for an online member account, which gives you around-the-clock access to your information.

We value your partnership in maintaining your health and well-being.

Best of health,

Your Aspirus Arise Team


This guide helps you understand how your insurance plan with Aspirus Arise will best benefit you. Please read it carefully and keep it for future reference. You will also have online access to a copy of your insurance policy or certificate of coverage, which contains more detailed information about your insurance plan. In the event there is a discrepancy between your policy or certificate and this guide, the policy or certificate will take precedence. If you have questions about your coverage or how your plan works, contact the Aspirus Arise Member Service Department at the number listed below. We are here to help your plan work for you.

Insurance Identification CardYou will receive an identification card from us when you are approved for coverage. This card identifies you as an Aspirus Arise member. When you receive your card, please verify that the information is correct. Carry this card with you at all times. You will be asked to show your identification card each time you visit your doctor. If your plan has an office visit copay, you will be asked to pay that amount at the time of service. To request a new or additional identification card, please contact the Aspirus Arise Individual Member Services department at 800-332-3297.Identification cards may also be requested online at AspirusArise.com.

It is important to identify yourself as an Aspirus Arise member when making an appointment with a provider. Participating provider benefits are payable when services and treatment are received from providers who are part of the Aspirus Arise Network.

Contact Information

AspirusArise.com

Member ServicesPhone: 800-332-3297Fax: 920-490-6944

Claims Submission Address Aspirus Arise P.O. Box 21684 Eagan, MN 55121

Language Assistance Aspirus Arise provides language assistance for all members at no cost. For assistance with interpreting this handbook, or if you would like a translated copy in your preferred language, please contact a Member Services representative at 800-332-3297, or visit AspirusArise.com and reference the bottom portion of the home page.

Benefits Aspirus Arise works to ensure that high-quality medical services are available to you and your family members. Benefits are available for a variety of health care needs, from minor to catastrophic. It is your responsibility to know your plan benefits and any limitations and exclusions that may apply. For complete information on what is covered under your insurance plan, please refer to your policy or certificate.

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What if my doctor leaves the network?Continuity of Care. In the event your PCP or specialist leaves our network, there are certain circumstances that allow you to continue to receive care from that provider. Please refer to your policy or certificate for further details on how continuity of care may apply.

Choice of Health Care Providers A list of participating health care providers is available for you. For the most current list of participating providers, please visit our website at AspirusArise.com, or contact an Aspirus Arise Member Services representative to request a printed directory.

How Will Bills Be Paid if I Receive Authorized Care from a Non-Participating Provider? Maximum allowable fee levels will apply to covered benefits for non-participating providers and services rendered. This means that you are responsible for any charge that exceeds the maximum allowable fee level for authorized services received from non-participating providers.

Some HMO health plans may require a prior authorization prior to receipt of any services provided by a non-participating provider, tertiary care specialists, or facilities. Please check your Summary of Benefits and Coverage for details.

Hospital Care A non-emergent inpatient stay in a hospital requires a prior authorization. If you need hospital services for an emergency, please review the section on Emergency Care on page 6.

How to Receive Care After Normal Business HoursDuring normal business hours, services for an illness or injury, other than a medical emergency, should be provided in your PCP’s office whenever possible. To receive care after normal business hours, please contact your PCP.


Your Doctor is a Vital Health PartnerYour Primary Care Practitioner (PCP)Primary Care Practitioners (PCPs) are the core of Aspirus Arise. Your PCP must be a participating provider who is a physician, physician assistant, nurse practitioner, or certified nurse midwife who directly provides or coordinates health care services for you. A PCP’s primary practice must be family practice, internal medicine, obstetrics/gynecology, or pediatrics. Your PCP is the individual responsible for coordinating your medical care. In most cases, your PCP can care for your medical needs. Your PCP can ensure that appropriate care is being given in the right setting, that duplicate care is avoided, and can help monitor prescription drug interactions.

Do I Have to Designate a Primary Care Practitioner (PCP)?Aspirus Arise encourages you to designate a Primary Care Practitioner (PCP). You have the right to choose any PCP who participates in our network and who is available to accept you or your family members. For children, you may designate a pediatrician as the PCP. You can choose to change your PCP at any time. Please note that if you do not choose a PCP, we will designate one for you.

To find a new Aspirus Primary Care Practitioner, please call 800-847-4707.


Types of Care AvailableConvenient Care ClinicA medical clinic that: (1) is located in a retail store, supermarket, pharmacy, or other nontraditional, convenient, and accessible setting; (2) provides covered health care services performed by nurse practitioners, physician assistants, or physicians acting within the scope of their respective licenses.

Aspirus Primary Care ClinicAspirus brings expert and compassionate care to more than 30 communities with more than 70 primary clinics.

Primary Care PractitionerA participating provider who is a physician, physician assistant, nurse practitioner, or certified nurse midwife who directly provides or coordinates a range of health care services for a patient. A primary care practitioner’s primary practice must be Family Practice, Internal Medicine, General Practice, Obstetrics/Gynecology, or Pediatrics. If you would like to select an Aspirus Arise Primary Care Practitioner, please call 800-847-4707.

Specialty PhysicianAny physician whose primary practice is not one of the following: Family Practice, Internal Medicine, General Practice, Obstetrics/Gynecology, or Pediatrics.

Telemedicine (also referred to as telehealth) The delivery of clinical health care services via tele-communications technologies, including, but not limited to, telephone, interactive video conferencing, and email. Telemedicine does not include teleradiology.

Telemedicine services are provided by a health care provider at a distant site to a covered person at an originating site via interactive audio-visual telecommunication. The originating site and the distant site must be:

» A physician’s office or the office of another health care provider such as a nurse practitioner, physician assis-tant, certified nurse midwife, or psychologist.

» A convenient care clinic; » Hospital; or » Skilled nursing facility.

Interactive audio-visual telecommunication is telecommunication that allows medical information to be communicated in real time via interactive audio and video communications. The real-time audio and video communication is between the patient and a distant physician or health care provider furnishing the health care services. The patient must be present and participating throughout the communication.

Telephone calls do not qualify as interactive audio-visual telecommunication because they are non-face-to-face

medical discussions that do not include direct, in-person contact between the patient and the health care provider.

The following services are not considered telemedicine: » Telemedicine services that do not include direct,

in-person contact between the health care provider and the covered person

» Telephone evaluation and management services » Transmission fees » Website charges for online patient education material » Online medical evaluations

Telehealth Services From Teladoc®Phone and internet consultations provided by our approved telehealth service provider, Teladoc®, use this

service to treat minor health conditions. Telehealth services from Teladoc® are available 24/7/365. Visit Teladoc.com or call the phone number shown on your identification card for additional information about these services.

Please check your Summary of Benefits and Coverage to verify benefits.

Urgent CareUrgent Care means care for an illness or injury with symptoms of sudden or recent onset that require medical care the same day. Examples of urgent care situations include, but are not limited to, sprained ankle, minor cut, minor burn, and children with fever. Services for urgent care situations should be provided in your PCP’s office whenever possible.

Emergency CareHealth care services to treat your medical emergency.

Medical Emergency A medical condition involving acute and abnormal symptoms of such severity (including severe pain) that a prudent and sensible person who possesses an average knowledge of health and medicine would reasonably conclude that a lack of immediate medical attention will likely result in any of the following:

» Serious jeopardy to a person’s health or, with respect to a pregnant woman, serious jeopardy to the health of the woman or her unborn child;

» Serious impairment to a person’s bodily functions; or » Serious dysfunction of one or more of a person’s body

organs or parts.

Examples of a medical emergency include, but are not limited to, loss of consciousness, severe burns, severe pain, heavy bleeding, and possible heart attack. For emergency

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conditions that occur in our service area, access the closest in-network hospital emergency facility. When out of our service area, access the closest hospital emergency facility. Please be certain to arrange follow-up care through your PCP.

Covered expenses for emergency medical care received from a non-participating provider are limited to the amounts that we determine as being the maximum allowable fees. This means you are responsible for any charge that exceeds the maximum allowable fee level for authorized services received by non-participating providers.

Should I See a Doctor?When you’re not feeling well, it is hard to wait until tomorrow for an appointment. Many of our participating providers have extended hours and are available evenings, weekends, and on holidays. Please call your doctor’s office if you have a question about a minor injury, illness, or other concern. One of their health care professionals will answer your medical questions and help you decide if you need to see a doctor immediately or if you should schedule an appointment with your primary care practitioner. They may also offer self-care treatments that can be done at home. For minor health issues, you may also use telehealth services provided by Teladoc®, as described on the previous page of this Handbook.

Out-of-Area Care, Including College Students If you are out of our service area and a medical emergency requires you to go to an emergency room, you are eligible for coverage regardless of which emergency room you use.

If you are out-of-area and a medical problem develops, please contact your PCP for instructions.

For Health Maintenance Organization (HMO) plans, if additional medical services are needed for care that is not a medical emergency, or for follow-up care, you will need an approved prior authorization from Aspirus Arise if you have an HMO plan prior to receiving services. You may need to return home to receive treatment from a participating provider.

Under our HMO plan, routine care is eligible for coverage only when received from a participating PCP.

If you have additional questions, please contact the Aspirus Arise Member Services Department.

Utilization Management Utilization management is included in your plan to encourage top-quality medical care in the most cost-effective and appropriate manner. Aspirus Arise’s Medical Director and Integrated Care Managers review care for appropriateness. Benefits are paid under the plan only when services are determined to be medically necessary. Please refer to your policy or certificate for further details on utilization management.

First Health Complementary NetworkThis nationwide network can be used to lower your out-of-pocket costs for urgent and emergent services outside of Wisconsin.

What if it’s after hours?

How to Receive Care After Normal Business HoursDuring normal business hours, services for an illness or injury, other than a medical emergency, should be provided in your PCP’s office whenever possible. To receive care after normal business hours,please contact your PCP.



How to Make Sure Your Care is Covered Prior Authorizations A prior authorization is the process of receiving written approval from Aspirus Arise before you visit certain health care providers or receive certain health care services. The prior authorization is a written form submitted to us by a provider. Services are still subject to all plan provisions, including, but not limited to, medical necessity and plan exclusions.

You do not need a prior authorization from us or from any other person (including a primary care practitioner) in order to obtain obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining a prior authorization for certain services, following a pre-approved treatment plan, or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics/gynecology, please contact Aspirus Arise Member Services.

Whose Responsibility is it to Obtain Required Prior Authorizations? It is ultimately your responsibility to make sure your provider submitted the prior authorization request and Aspirus Arise approves it prior to receiving services.



When Do I Need a Prior Authorization?Prior authorization is required for HMO plans for all non-participating providers and tertiary care specialists or facilities. Tertiary care means services provided by specialized hospitals or providers that are linked to medical schools and teaching hospitals, as determined by us.

Prior authorization is also required before you receive certain health care services, including, but not limited to, elective inpatient hospitalizations, pain management, spinal surgery, new technologies (may be considered experimental/investigational/unproven), non-emergency ambulance, high-cost durable medical equipment, certain high-technology imaging, or procedures that could potentially be considered cosmetic. For a list of services that require prior authorization, please visit AspirusArise.com and click Resources.

Before seeking medical services, please call Aspirus Arise Member Services to verify that your prior authorization request has been approved. Failure to obtain prior authorization may result in no coverage for those services, depending on your plan.

Services That Do Not Require Prior AuthorizationA prior authorization is not required for:

» Services performed by a participating provider, including a participating provider who specializes in obstetrics/gynecology, unless for those services listed on our prior authorization list. This list can be found by visiting our website at AspirusArise.com and clicking on the Resources tab.

» Emergency care or urgent care at an emergency or urgent care facility. » Covered radiology, pathology, and anesthesiology services at a participating facility.

How to Contact Us About a Prior AuthorizationThe Integrated Care Management staff is available during our normal business hours, Monday through Friday, 8 a.m. to 4:30 p.m. To obtain information from our Integrated Care Management Department related to a prior authorization or to discuss Utilization Management decisions, please see the instructions below:

» Call During Business Hours: 800-332-3297. Language assistance is available, if needed. » Fax: 920-490-6944, attention: Integrated Care Management. » Leave a Voicemail Outside of Business Hours: Leave a clear message with your first and last name, member

number, reason you are calling, the time, and contact number where we can reach you. A member of the Integrated Care Management Department will return your call within one business day.



Your Health is Important to UsAffirmative Statement Regarding IncentivesUtilization Management decision making at Aspirus Arise is based solely on appropriateness of care and existence of coverage. Aspirus Arise does not specifically reward practitioners or other individuals for issuing denials of coverage. There are no financial incentives that encourage underutilization.

Health Resource TeamIf you are dealing with chronic conditions or a series of complex health issues, understanding health care coverage can be challenging. Not to worry—we’re here to help!The Aspirus Arise Health Resource Team is available to help advocate and support you to help improve your overall health. Our team is available to:

» Assist in coordinating care among primary and specialty providers.

» Assist in coordinating care in the hospital, at the clinic, and at home.

» Facilitate access to services and programs available with-in Aspirus and your community.

» Work with you and your providers to develop personal-ized plans of care to help you improve your quality of life.

» Help you understand your health issues and treatment options so you and your family can make smart health care choices.

» Partner with you and your providers to help identify goals and support you in your progress.

Care CoordinationThis program offers increased access to services and resources to assist in managing and improving your health and wellness. Care Coordinators work with you and your health care providers to develop personalized care plans. Your personalized plan will help you integrate healthy lifestyle changes and chronic condition self-management into your daily life.

Pharmacy Benefit Information (if your plan includes a pharmacy benefit managed by us)Aspirus Arise contracts with a Pharmacy Benefit Manager (PBM) to administer your pharmacy benefits. The PBM process works with your in-network pharmacy to process your prescription drug claims. It also provides home delivery pharmacy services to you. Please refer to your ID card to determine who your PBM is.

Most Aspirus Arise insurance plans use a drug formulary (also known as a preferred drug list). A drug formulary is a list used by practitioners to identify drugs that offer the greatest overall value. A committee of physicians and pharmacists review and update the drug formulary. Aspirus Arise’s drug formulary may be accessed from our website at AspirusArise.com or you may contact our Member Services Department.

To promote appropriate utilization, selected high-risk or high-cost medications require prior authorization by the health plan to be eligible for coverage. Your provider can initiate the prior authorization process by providing the necessary medical information to the appropriate authorizing body. A list of medications that require prior authorization as well as who to contact can also be found on our website.

Please refer to your policy or certificate for additional details about your pharmacy benefit and applicable deductibles, copays, and/or coinsurance.



Wellness BenefitsAt Aspirus Arise, we know the best approach to health care is to focus on staying healthy through early disease detection. That’s why we provide coverage for a comprehensive array of wellness services when they are provided by your participating PCP.

Shown below is a sampling of covered wellness care services. Please refer to your policy or certificate for a complete description of your wellness benefits. Wellness benefits include all preventive services rated A or B by the United States Preventive Services Task Force.

» Routine physical exams, including pelvic exams and pap smears for women

» Routine well-baby care » Routine immunizations that are recommended by

the Advisory Committee on Immunization Practices » Routine screening mammograms » Routine screening colonoscopies

Office Services and Specialty CareAspirus Arise will provide benefits for eligible expenses for medically necessary treatment provided by a PCP or specialist subject to your plan’s limitations, exclusions, and prior authorization requirements. These covered expenses may include office visits, diagnostic X-ray and lab, allergy testing, and allergy injections. Please check your policy or certificate for specific coverage information.

In general, you do not need to obtain a prior authorization to obtain specialty care from a participating provider. You may simply make an appointment with a participating provider to obtain specialty care.

For HMO plans, a prior authorization is required for out-of-network, non-participating providers, including non-participating specialists and tertiary care specialists or facilities. Before seeking medical services from an out-of-network, non-participating provider or tertiary care specialist, please have your PCP submit a prior authorization form to us.

Prior authorization is also required before you receive certain health care services in the office and from specialists, including, but not limited to, pain management, new technologies (may be considered experimental/investigational/unproven), or services that could potentially be considered cosmetic. For a list of services that require prior authorization, please refer to our website at AspirusArise.com.


Chiropractic Services Aspirus Arise covers medically necessary spinal manipulation and diagnostic tests. You may obtain services from a participating chiropractor without a prior authorization.

For chiropractic therapy services to be covered, it must be demonstrated that the covered person is making interval progress based on documentation of therapy visits. Chiropractic therapy services must address a particular condition or illness, address activities of daily living, and demonstrate progress toward a specific outcome or treatment goal, as determined by us.

Exclusions The following is a partial list of services that are not covered by your health insurance plan. Please refer to your policy or certificate for an entire listing of non-covered expenses in your plan.

» Services that are covered under any workers’ compensation law or similar legislation » Services provided by an unlicensed professional » Cosmetic surgery or treatment » Infertility or fertility treatment and direct attempts to achieve pregnancy or increase chances of achieving

pregnancy by any means » Weight control treatment or programs » Services, supplies, facilities, or equipment that Aspirus Arise determines are not medically necessary » Services, supplies, facilities, or equipment that Aspirus Arise determines are experimental or investigational,

except for routine care required by law for cancer clinical trials » Custodial or maintenance care » Charges in excess of the maximum allowable fees


“How do I file a claim?” It is your responsibility to ensure that a claim is submitted to Aspirus Arise. You may request that the provider of services file the claim on your behalf. Claims should be itemized and state the provider of the service, diagnosis, date of service, services provided, and amount charged for the services.Claim Mailing Address: Aspirus Arise, P.O. Box 21684, Eagan, MN 55121


How Claims Work Claim Denials If a claim is denied, in whole or in part, you will receive written notice of the denial and the reasons for the denial. The notice will also inform you of the right to file a grievance and the procedure to follow. Prior authorization denials will be considered claim denials and will follow the same notification process.

How to Voice a Complaint or File a Grievance We want to make sure the plan is working for you and welcome your feedback. If you have a complaint or want to file a grievance, please contact the Aspirus Arise Member Services Department.

We strive to resolve all complaints verbally; however, you have the option to submit a formal grievance in writing if your complaint is not handled to your satisfaction. The grievance procedure is used to resolve all complaints regarding plan administration or benefit denials. Your grievance will be considered by a review panel consisting of Aspirus Arise representatives, a clinical representative, and a member representative.

New and Emerging Medical Technologies Aspirus Arise has a committee that meets regularly to evaluate new, emerging, or existing technologies for efficiency, safety, and cost effectiveness. Technologies are examined within the context of Aspirus Arise’s benefit structure. This committee uses published guidelines, peer-reviewed, evidence-based literature, and physician input to formulate decisions regarding medical necessity. Medical care, drugs, and devices may all be eligible for review by the committee. For specific information on what is covered and what is excluded or limited, please refer to your policy or certificate.

Your Right to an Independent External Review Aspirus Arise is required to provide an Independent External Review process for certain denials for claims or services. The plan member or authorized representative may request that an Independent Review Organization (IRO) review a health plan’s decision regarding the following: (1) services that were deemed not medically necessary; (2) services that were considered experimental or investigational; or (3) we denied a request for health care services from an out-of-network health care provider whose clinical expertise you feel may be medically necessary for treatment and the expertise is not available from an in-network health care provider. You may also request an independent external review for any decision regarding a rescission of a policy or certificate.

An independent external review is available only after you have completed the grievance procedure through Aspirus Arise. You must write to the Grievance Coordinator requesting an independent external review of the case within four months from the date of your grievance. You should include an explanation of why you believe that the treatment should have been covered and include any additional documentation or information that supports your position. Within five days of the receipt of your request, we will assign your case to an accredited IRO using an unbiased random selection process. The IRO has 30 business days to respond with a decision. The IRO’s decision may be binding on the insured and the insurer, unless other remedies are available under state or federal law.



Member Rights and Responsibilities Aspirus Arise is committed to maintaining a mutually respectful relationship with you that promotes high-quality, cost-effective health care. The member rights and responsibilities listed below set the framework for cooperation among you, practitioners, and us.

Your Rights as a Health Plan Member » You have the right to be treated with respect and recognition of your dignity and right to privacy. » You have the right to a candid discussion of appropriate or medically necessary treatment options for your conditions,

regardless of cost or benefit coverage. » You have the right to participate with practitioners in making decisions about your health care. » You have the right to receive information about us, our services, and our network of health care practitioners and

providers as well as your rights and responsibilities. » You have the right to voice complaints or appeals about us or the health care coverage we provide. » You have the right to make recommendations regarding the member rights and responsibilities policies.

Your Responsibilities as a Health Plan Member » You have the responsibility to supply information (to the extent possible) that our

practitioners and providers need in order to provide care and that we need in order to provide coverage.

» You have the responsibility to understand your health problems and participate in developing mutually agreed-upon treatment goals to the degree possible.

» You have the responsibility to follow the treatment plan and instructions for care that have been agreed on with your practitioners.

For more information, please call Member Services at 800-332-3297 or visit AspirusArise.com



FIND A DOCTOR

Primary Care Practitioners (PCPs) practice in any of the following areas: internal medicine, family practice, general practice, pediatrics, and obstetrics/gynecology. Please visit participating providers whenever possible to maximize your benefits.

Visit: AspirusArise.comCall: 800-332-3297Email: [email protected]

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1 Go to AspirusArise.com and click the Find A Doctor button in the upper right corner of the screen.

Enter your search criteria and then click Search.

Enter your group number as shown on your Aspirus Arise ID card and click GO.

A list of doctors and/or facilities will appear for your review.

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The Find a Doctor tool makes locating a convenient health care provider easy!It’s easy to find a doctor who fits your needs. If you would like to select an Aspirus Arise Primary Care Practitioner, please call 800-847-4707.


© 2017 Aspirus Arise Health Plan of Wisconsin, Inc. All rights reserved. 29640-080-1708

Our promiseAspirus Arise will deliver direct access to high-value, personalized health care that aims to improve your health and well-being through all of your health care needs.

Your local choice in an era of national insurance giantsYou want top-quality health insurance that won’t stress you out. You want useful, meaningful coverage for yourself, your family, or your employees. You want local service from people who understand your needs.

Simply put, you expect more. That’s why we created Aspirus Arise. As those big, national companies try to turn you into just another number, we do our best to ensure you—and all of our hard-working members—are getting the high-quality, compassionate health care you deserve at a cost you can afford.

Visit: AspirusArise.comCall: 800-332-3297Email: [email protected]

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