Ghi cbp carveout

GHI-CBP/EBCBS Services Requiring Pre-Certification: If you are an employee or non-Medicare eligible retiree participating in GHI-CBP/Empire BlueCross BlueShield. As …

Ghi cbp carveout. Insurance. Emblem- GHI. Emblem- GHI. CBP; Network Access; City of NY Health Benefits Program; Carelon Behavioral Health (formerly known as Beacon Health Options) [for behavioral health services] Your insurance is accepted at the following hospitals: NYC Health + Hospitals/Bellevue. NYC Health + Hospitals/Elmhurst. NYC Health + Hospitals/Harlem.

EmblemHealth : PPO Coverage for: Individual/Family. Plan Type: PPO July 1, 2023 - June 30, 2024. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium ...

Cục Hải quan và Biên phòng Hoa Kỳ. Cục Hải quan và Bảo vệ Biên giới Hoa Kỳ ( tiếng Anh: United States Customs and Border Protection, viết tắt CBP) là một trong các cơ quan liên bang trực thuộc Bộ Nội an Hoa Kỳ . Nhân viên Hải quan và Bảo vệ Biên giới Hoa Kỳ.GHI CBP Network (Member ID cards may show: CBP, EPO, EPO1, EPO2, PPO, PPO1, or PPO4) GHI CBP Plan (New York City Plan) No PCP or referrals required. Deductibles: IN: N/A OON: $200/$500 Copay: $15^/$30/$150 ACPNY: $0/$0 Urgent Care Copay: $50 City MD Urgent Care: $100 ProHEALTH Urgent Care: $100 High-Tech1 …5 days ago · Plan formularies. You can see the list of drugs covered by your EmblemHealth plan below. This drug list is also known as a formulary. To find your plan’s formulary, simply locate the letter identifiers in the “Formulary” section on the front of your member ID card, which will match one of the options found in parenthesis below. GHI HMO Basic Plan $41.05 $115.27 $82.10 $230.55 $89.18 $250.45 ... GHI-CBP/Empire BlueCross BlueShield Bi-Weekly Basic Plan and Optional Rider CostsGHI-CBP/Empire BlueCross BlueShield Optional Rider Basic Plan Prescription Drugs GHI HMO Optional Rider HIP Prime HMO Optional Rider Enhanced Reimbursement Schedule TOTAL Basic Plan Prescription Drugs TOTAL Basic Plan Prescription Drugs Appliances and Private Duty Nursing HIP Prime POS Optional RiderBenefits Summary: GHI CBP Medical Care Your In-Network Copays Your Out-of-Network Cost PCP office visit* $15 Annual deductible: $200 individual/$500 family You pay the difference between the doctor’s fee and GHI’s reimbursement. This amount may be substantial. Specialist office visit $30 Diagnostic lab/X-ray $20 Routine physical exam $0GHI-CBP/BCBS* FAMILY BASIC INDIVIDUAL with RIDER FAMILY with RIDER. $635.75 $1,666.33 $763.99 $1,905.38. *Please note that the GHI-CBP/EBCBS rate and Medicare Related rates are not yet finalized. The rate will be modified on a later date retroactive to July 1, 2018. Return the completed COBRA form to your chosen plan.myEmblemHealth Member Portal Customer Secure Login Page. Login to your myEmblemHealth Member Portal Customer Account.

Established Patient Office Visit (typically 15 minutes) — CPT Code 99213. Guess free for a doctor are Manhattan. $215. Reimbursement under the schedule. $36. Member out-of-pocket accountability. $179. Routine Motherhood Attend and Parturition — CPT Code 59400. Estimated charge for a phd into Manhattan.I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything.provider may charge but is set at a fixed amount based on GHI’s 1983 reimbursement rates. Most of the reimbursement rates have not increased since that time, and will likely be less (and in many instances substantially less) than the provider’s charge. Using an out-of-network provider,I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in aCity of New York Hospital Only Plan GHI - CBP Hospital Coverage for: Individual + Family | Plan Type: PPO . The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan. would share the cost for covered health care services. NOTE: Information about the cost of this plan (called ...GHI-CBP/EBCBS Services Requiring Pre-Certification: If you are an employee or non-Medicare eligible retiree participating in GHI-CBP/Empire BlueCross BlueShield. As previously communicated, many procedures require pre-certification. Your provider should call NYC Healthline at 1-800-521-9574 for pre-certifications including: In-patient Admissions health-active-plan-changes-ghi. NYC Health Benefits Program. Important Changes to Your GHI CBP Plan. Right. Care. Place. Time. The information in the table below lists the Care, Place and Time to receive medical treatment.

GHI-Comprehensive Benefits Plan (GHI-CBP) With GHI-CBP, you have the freedom to choose any provider worldwide. You can select a GHI participat- ing provider and not pay any deductibles or coinsurance, or go out-of-network and still receive coverage, subject to deductibles and coinsurance. GHI's provider network includes all medical specialties.The NYC Medicare Advantage Plus Plan is a Group Medicare PPO, which does. not restrict access to providers. This program will provide access to all doctors that. take Medicare coverage, approximately 850,000 providers nationwide. About 640,000 of those Medicare providers are currently in the Empire/Emblem Alliance networks and are …The myACPNY patient portal that allows you to make appointments, request prescription refills, view lab results, and give any ACPNY medical office immediate access to your medical history and records. To learn more about the AdvantageCare Physicians difference, call the dedicated City of New York Employee Gold Service Line at 646-680-3000 or ...If you have a plan in mind, enter it here to begin, otherwise start by selecting a category below to view all available plans. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.GHI-Comprehensive Benefits Plan (GHI-CBP) With GHI-CBP, you have the freedom to choose any provider worldwide. You can select a GHI participat- ing provider and not pay any deductibles or coinsurance, or go out-of-network and still receive coverage, subject to deductibles and coinsurance. GHI's provider network includes all medical specialties.Members. If you are a member, you can contact us at the number on your EmblemHealth ID card. If you don’t have your ID card, scroll down to find the correct number for your plan. EmblemHealth Member Services. 800-447-8255. 8 am – 6 pm Monday-Friday (excluding major holidays*) HIP Members. 800-447-8255 | TTY/TDD: 711.

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GHI-CBP option consists of two components: • GHI, an EmblemHealth company, offering benefits for medical/physician services, and • Empire BlueCross BlueShield offering benefits for services provided at hospital and out-patient facilities. GHI Emblem Health (GHI): You have the freedom to choose any provider worldwide.EmblemHealth Plan, Inc. (formerly GHI) Bridge CBP Tristate National Network Access Medicare Choice: Professional claims, provider-submitted: 13551: Vendor or direct submission:2921 total posts. Name: GHI CBP- rider or no rider? It's $7 per paycheck to add the rider. Never had it before, but now that I have DD, I'm wondering if I should add the rider on while open enrollment is still going on. Aside from seeing out of network doctors, what is the real benefit to having the rider exactly?the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in another pay up plan, the under 65 spouse will pay up to remain with the same insurer. I have surgery scheduled for January with my current carrier. What should I do?

Insurance. Emblem- GHI. Emblem- GHI. CBP; Network Access; City of NY Health Benefits Program; Carelon Behavioral Health (formerly known as Beacon Health Options) [for behavioral health services] Your insurance is accepted at the following hospitals: NYC Health + Hospitals/Bellevue. NYC Health + Hospitals/Elmhurst. NYC Health + … As a member of DC 37 Med-Team, you have the freedom to choose any provider. You can select a GHI-CBP participating provider and not pay any deductibles or coinsurance, or go to an out-of-network provider and still receive coverage, subject to deductibles and coinsurance. GHI-CBP’s provider network includes all medical specialties. I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in aAfter your first 60 days of employment, complete and submit SF- 2809 (FEHB – Health Benefits Election Form) to the Retirement and Benefits Portal or mail original to U.S. Customs and Border Protection, Retirement and Benefits Advisory Services (RABAS), 90K Street NE, 5th Floor, Washington, DC 20229, Mail Stop 1400.the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in another pay up plan, the under 65 spouse will pay up to remain with the same insurer. I have surgery scheduled for January with my current carrier. What should I do?Annual Deductible: $200 Individual/ $500 Family. You pay the difference between the Doctor’s fee and GHI’s reimbursement. High-tech radiology. $50 copay for participating RadNet facilities, Zwanger-Pesiri Radiology, Memorial Sloan Kettering, NewYork-Presbyterian Health System, and Hospital for Special Surgery $100 at other facilities**.Sometimes insurance plans subcontract a set of benefits to another plan or network. A health plan might cover a broad range of medical services like prescriptions and surgeries, but " carve out " all mental and behavioral health services to a different plan to manage. For example, an in-network pediatrician might evaluate a child for ADHD and ...GhI-CBP is basically you can see any doctor whenever you want with copays and no real need for referrals. HIP HMO you see your PCP first and request a referral for a specific reason. ( this must be done for every new issue, not recurring issues as you will have follow ups). They may then deny the referral if they feel you don’t meet the need.GHI CBP primary care doctor recommendations. Does anyone have recommendations for a primary care doctor in the GHI-CBP network? I just started on this insurance plan and am at a loss for which physician in their network I should try -- my old primary care doctor doesn't participate in their network. Thanks! I use Columbia and I like them a lot.- GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC ... - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. ...

Medicaid Update Special Edition Part Two: Pharmacy Carve-Out Medicaid Update Volume 37 Number 4. Back to Top. The Medicaid Update is a monthly publication of the New York State Department of Health. Office of the Medicaid Inspector General: For suspected fraud or abuse complaints/allegations, call 1-877-87FRAUD, (877) 873-7283, or visit Office ...

Title: MP00105220220705.pdf Author: Kasmith Created Date: 7/5/2022 11:53:30 AMWhere to eat and drink at Phoenix Sky Harbor Airport, the best airport in the US for food lovers. I’m not a Phoenix homer. I understand Phoenix is hot and sprawling, and while it d...EmblemHealth Plan, Inc. (formerly GHI) Bridge CBP Tristate National Network Access Medicare Choice: Professional claims, provider-submitted: 13551: Vendor or direct submission:I currently under my parent's health insurance which is GHI CBP and I love it so much (low co-pay, NO REFFERALS, etc.). In a few months, I will be applying to jobs as a nurse and l would love to have GHI CBP, but is that even possible? I am trying to learn how health insurance through one's job works.As well as 20,000 baby bottles, 3,000 boxes of baby wipes, and 36,000 pairs of extra-small shower shoes. US Customs and Border Protection (CBP) is looking to purchase 20,000 baby b...With this plan, you choose a regular doctor who will manage and oversee your care, including administering referrals to network specialists and arranging for hospital stays. VIP Rx Carve Out members receive their prescription drug coverage through their union. Customer Service: 877-344-7364, 8 am to 8 pm, seven days a week.Enhanced schedule increases the reimbursement of the basic program's non-participating provider fee schedule, on average, by 75%. Pre-certification required contact NYC Healthline at 1-800-521-9574. 200 visits per member per plan year. Preauthorization required. Coverage limited to 16 visits per calendar year.In 2021, EmblemHealth is ofering more plans that do not require referrals. This makes it easier for our providers to connect members with the care they need. Providers should allow members with these plans to make an appointment without a referral. Please print the list below as a reference tool for your staf, especially for appointment schedulers.I currently under my parent's health insurance which is GHI CBP and I love it so much (low co-pay, NO REFFERALS, etc.). In a few months, I will be applying to jobs as a nurse and l would love to have GHI CBP, but is that even possible? I am trying to learn how health insurance through one's job works.CBP filed a new regulation for comment that proposes harmonizing the cost of its trusted traveler programs. Global Entry and Nexus would go up in price, while SENTRI would go down ...

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Health and Security Plan’s Inquiry Unit – Call (212) 815-1234. Retiree Toll-Free Number – Call 1-877- 323-7738 from outside the NY-NJ- CT area. As with all decisions regarding eligibility for and the amount of benefits payable under the Plan, the benefit allowances and guidelines are subject to change, at any time and for any reason, by ...NYC Health Insurance. I'm a new City government hire, looking through the benefit options. I'm also a recent graduate who's new to all of this. I'm pretty healthy and careful - the …provider may charge but is set at a fixed amount based on GHI’s 1983 reimbursement rates. Most of the reimbursement rates have not increased since that time, and will likely be less (and in many instances substantially less) than the provider’s charge. Using an out-of-network provider,Carve-Out: A carve-out is the partial divestiture of a business unit in which a parent company sells minority interest of a child company to outside investors. A company undertaking a carve-out is ...I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything.- GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC employees, non-Medicare eligible retirees, their spouses or qualified domestic partners, and eligible dependents.GHI-Comprehensive Benefits Plan (GHI-CBP) With GHI-CBP, you have the freedom to choose any provider worldwide. You can select a GHI participat- ing provider and not pay any deductibles or coinsurance, or go out-of-network and still receive coverage, subject to deductibles and coinsurance. GHI's provider network includes all medical specialties.Plan formularies. You can see the list of drugs covered by your EmblemHealth plan below. This drug list is also known as a formulary. To find your plan’s formulary, simply locate the letter identifiers in the “Formulary” section on the front of your member ID card, which will match one of the options found in parenthesis below. ….

In 2021, EmblemHealth is ofering more plans that do not require referrals. This makes it easier for our providers to connect members with the care they need. Providers should allow members with these plans to make an appointment without a referral. Please print the list below as a reference tool for your staf, especially for appointment schedulers.GHI-CBP/EBCBS Services Requiring Pre-Certification: If you are an employee or non-Medicare eligible retiree participating in GHI-CBP/Empire BlueCross BlueShield. As …Television is the opiate of the people, and a new Chrome extension called Flix Assist helps you binge watch streaming video faster. By clicking "TRY IT", I agree to receive newslet...Aug 9, 2020 · Carve-Out: A carve-out is the partial divestiture of a business unit in which a parent company sells minority interest of a child company to outside investors. A company undertaking a carve-out is ... The City University of New YorkDental and vision benefits are available to eligible Federal and Postal employees, retirees, and their eligible family members on an enrollee-pay-all basis. This Program allows dental insurance and vision insurance to be purchased on a group basis which means competitive premiums and no pre-existing condition limitations.Carve-Out Meaning. Carve-out refers to the business strategy whereby a parent company decides to partially divest one of its business units by selling minority interests of the subsidiary to an outside investor or a group of investors. In other words, the parent company does not sell the business unit outright but rather sells an equity stake ...I chose metro plus gold because all of the doctors I see are in the H+H system and there are no copays for most things. I just left city employment lol but GHI CBP is superior and … The CDP will be cheaper than the HMO because the HMO has no or cheap copays. The CDP also offers some kind of cost-sharing for non-participating doctors, the HMO does not. Generally speaking, as long as there are in network providers for the HMO nearby, HMOs are fine and dandy. Ghi cbp carveout, - GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC ... - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. ..., I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything., CBP filed a new regulation for comment that proposes harmonizing the cost of its trusted traveler programs. Global Entry and Nexus would go up in price, while SENTRI would go down ..., Learn strategies for how to build an email list so you can improve your interactions and improve the revenue of your digital marketing efforts. The goal of email marketing is to cr..., Empire BlueCross BlueShield/GHI -CBP Hospital Plan This plan consists of two components : Empire BlueCross BlueShield, an Anthem company, offering benefits for services provided at hospital and out -patient facilities . GHI, an EmblemHealthcompany, offering benefits for medical/physician services $0 Monthly Premium. $300 individual …, As a member of DC 37 Med-Team, you have the freedom to choose any provider. You can select a GHI-CBP participating provider and not pay any deductibles or coinsurance, or go to an out-of-network provider and still receive coverage, subject to deductibles and coinsurance. GHI-CBP’s provider network includes all medical specialties., Television is the opiate of the people, and a new Chrome extension called Flix Assist helps you binge watch streaming video faster. By clicking "TRY IT", I agree to receive newslet..., If you work a side gig, your taxes are probably more complicated than the average person. Here's everything you need to know about side hustle taxes. We may receive compensatio..., When you do owe a deductible under your GHI insurance plan, the amount will vary depending upon your plan. For example, the GHI CBP plan has a $200 individual and $500 family deductible when you visit out-of-network providers. The GHI Senior Care Plan, however, has a $233 Medicare Part B deductible and a $50 Senior Care deductible., They won’t be thrown off traditional Medicare (GHI Senior Care), but only because they are organized. That’s the only way we keep GHI-CBP too. As a start, make sure that you and your entire chapter have signed the healthcare petition to let us vote on proposed healthcare changes. – Nick Bacon, New Action Co-Chair and UFT Executive …, The GHI Comprehensive Benefits Plan (CBP) gives you the freedom to choose in-network or out-of-network doctors. You can see any network doctor without a referral. Covered …, Health Insurance Plan of Greater New York (HIP) (continued) Commercial: Millennium Network (continued) EmblemHealth Gold Premier-M (Small Group) PCP and referrals needed. Deductibles: $350/$700 Rx deductible $0. Copay: $40^/ $60^/$600 (3 free PCP visits) MOOP: Up to $5,300/$10,600., Learn strategies for how to build an email list so you can improve your interactions and improve the revenue of your digital marketing efforts. The goal of email marketing is to cr..., 77pdfs.com, GHI-Anthem CBP option consists of two components: • GHI, an EmblemHealth company, offering benefits for medical/physician services, and. • Anthem Blue Cross and Blue …, Insurance. Emblem- GHI. Emblem- GHI. CBP; Network Access; City of NY Health Benefits Program; Carelon Behavioral Health (formerly known as Beacon Health Options) [for behavioral health services] Your insurance is accepted at the following hospitals: NYC Health + Hospitals/Bellevue. NYC Health + Hospitals/Elmhurst. NYC Health + Hospitals/Harlem. , Empire HMO - New York GHI-CBP/EBCBS GHI HMO HIP Prime HMO HIP Prime POS MetroPlus Vytra Health Plan OTHER Optional Benefits (Please check one): Yes No WELFARE FUND - COBRA Contact your your union or welfare fund directly for the necessary forms, available options and costs. You will pay the union welfare fund directly for the, The top end Hi-Point 995 carbine has an MSRP of $438. Of course, 9 mm isn’t the only popular pistol cartridge out there, and Hi-Point offers versions of this carbine that chamber .380 ACP, 10 mm ..., - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. If y ou, DeCarlo Chiropractic29 Third StreetNew City, NY 10956845-708-8885. Learn all about Dr. DeCarlo and DeCarlo Chiropractic. The team at DeCarlo Chiropractic is committed to helping you get back to tip-top health., About to enroll in health insurance through ESS. Anyone know what the most popular plan is? I wouldn’t need any dependents. Should I go with “GHI-CBP Basic” or “GHI-CBP With Carveout Rider?” I saw people mention to get GHI with a Rider, but I don’t want to click the incorrect option. Any help is appreciated!, Empire BlueCross BlueShield/GHI -CBP Hospital Plan This plan consists of two components : Empire BlueCross BlueShield, an Anthem company, offering benefits for services provided at hospital and out -patient facilities . GHI, an EmblemHealthcompany, offering benefits for medical/physician services $0 Monthly Premium. $300 individual copay per, It's been quite a month for browsers, with Internet Explorer and Firefox both dropping big new versions, and Chrome and Opera continuing their regular improvements. We tested all t..., Čo je GHI CBP Carveout? Plán komplexných výhod GHI (CBP) vám dáva slobodu vybrať si lekárov v rámci siete alebo mimo nej. Môžete navštíviť ktoréhokoľvek sieťového lekára bez odporúčania. Vo väčšine prípadov, keď navštívite sieťového lekára, …, There, you can use the GHI CBP Allowance Calculator to get an estimate of how much seeing an out of network professional will cost you. This is only an estimate. You can also call us at 800-624-2414 (TTY: 711). Our hours are 8 a.m. to 6 p.m., Monday to Friday. A Customer Service representative will be happy to help., We would like to show you a description here but the site won’t allow us., Information regarding city health plans is available from the Office of Labor Relations (OLR). Details on city health plans can be found in the OLR publication, “ New York City Health Benefits Program Summary Plan Description Booklet . Keep copies of all your completed forms at home. Remember to ask about tax consequences related to domestic ..., Hospital-Insurance Contracting Part 3: Carve-Outs Explained.In this video you will learn how hospitals and health insurance companies negotiate prices.Specif..., Find doctors. Find EmblemHealth (formerly known as GHI) Doctors & Providers with verified reviews. Make an appointment online instantly with Doctors that accept EmblemHealth (formerly known as GHI) insurance. It's free! All appointment times are guaranteed by our EmblemHealth (formerly known as GHI) Doctors & Providers., Now that Americans have more certainty around home values, buyers are once again seeking vacation places. Here's what to consider before you start house hunting. By clicking "TRY I..., Empire HMO - New York GHI-CBP/EBCBS GHI HMO HIP Prime HMO HIP Prime POS MetroPlus Vytra Health Plan OTHER Optional Benefits (Please check one): Yes No WELFARE FUND - COBRA Contact your your union or welfare fund directly for the necessary forms, available options and costs. You will pay the union welfare fund directly for the , - GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC employees, non-Medicare eligible retirees, their spouses or qualified domestic partners, and eligible dependents. , the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in another pay up plan, the under 65 spouse will pay up to remain with the same insurer. I have surgery scheduled for January with my current carrier. What should I do?