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Understanding that these patients have a critical need for their medications, Exactus offers injectable, oral and infused specialty medications and has a staff of skilled pharmacists on hand 24/7. Your insurer should send you a Notice of Plan Change when the formulary changes. WellCare was founded in 1985 and acquired by Centene Corporation in January 2020. What do WellCare Medicare Part D Plans cover? The directory includes a number of well-known, nationwide pharmacies that offer preferred cost-sharing including Rite Aid, CVS, Walmart and Walgreens. When you fill a prescription through this service, you may be able to gain access to preferred cost-sharing prices. For more than 20 years, Wellcare has offered a range of Medicare products, including Medicare Advantage and Medicare Prescription Drug Plans (PDP), which offer affordable coverage beyond Original Medicare. The following information will help your patients get the most out of their pharmacy benefits. . Premiums for the Wellcare Classic and Wellcare Medicare Rx Value Plus plans have both risen by a couple of dollars per month, on average. Centenes business includes Medicare, Medicaid, health insurance marketplace plans, federal health insurance programs and health care programs for correctional institutions. The Value Plus plan has a higher monthly premium but no annual deductible. Health (9 days ago) WebThe Wellcare preferred pharmacy list for 2022 is relatively short it includes the CVS Caremark mail-service pharmacy. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be more unpredictable and more expensive. By continuing to use our site, you agree to our Privacy Policy and Terms of Use. Enrollment in our plans depends on contract renewal. When possible, take along all the drugs you will need. Monthly premium prices vary depending on where you live and which type of plan you choose. Preferred pharmacies include: Walgreens, CVS, Amazon, and most grocers. For example, Wellcare plans generally have the lowest copays for prescriptions you fill through preferred pharmacies, whether in-person or through the mail, while non-preferred pharmacies have higher costs. Express Scripts Pharmacy is the third largest pharmacy in the US and Cigna's preferred for home delivery. About the author: Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. All plans will . Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. WellCare offers managed healthcare services primarily through Medicaid, Medicare Advantage, Medicare Prescription Drug Plans and individuals in the health insurance marketplace. Copyright 2023 Wellcare Health Plans, Inc. Health Outcomes Survey (HOS) for Medicare Members, Behavioral Health Toolkit for All Providers, Including Primary Care Physicians. Based on the most recent year of data, stand-alone Wellcare prescription drug plans get an average rating of 3 stars, weighted by enrollment. For comparison, the highest score was 75 and the health insurance industry average was 73. That means you'll have to pay for the first $480 of your prescriptions before the plans' benefits kick in. 2023 Star Ratings Data Table - Measure Stars (Oct 04 2022). Here is a list of our partners. However, this plan has a $505 deductible on all other tiers. Options for one-month and three-month mail-order prescriptions, Permission to use any pharmacy if you get Extra Help to to pay for medications. Having your prescriptions sent to your home is easy and may cost less than getting them from a retail pharmacy. Sign in for a more personalized experience. You can keep your costs lower by using preferred pharmacies and asking your doctor for generic versions of drugs if possible. on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. Find Wellcare Medicare plans to help you save on prescription drugs and get the most out of your Medicare coverage. With close to 10,000 retail locations and over 1,000 walk-in clinics across the country . It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you. Medicare Part D Prescription Drug Plan Changes in 2023, Medicare Covered Medical Marijuana Survey, Seniors will face difficulty affording healthcare in 2022, Pros and Cons of WellCare Medicare Part D Plans. You will be responsible for any out-of-pocket expenses as stipulated in your insurance benefits. In 2021, Wellcares parent company, Centene, scored 72 out of 100 on the ACSI health insurance satisfaction benchmark[0]American Customer Satisfaction Index. Walgreens can help you find the right Medicare plan. Wellcares low-cost Value Script plan has no deductible for drugs on formulary Tier 1 and Tier 2, and its Medicare Rx Value Plus plan has no deductible for all covered drugs. Select your plan type below to locate Providers and Pharmacies near you. About 4.2 million Medicare beneficiaries have Wellcare Part D plans as of October 2022. 2023 Medicare Plans. The WellCare provider network may include primary care doctors, specialists, hospitals, pharmacies, labs, and other medical providers necessary for your care. . The most popular (and least expensive) policy for 2023 is the Wellcare Value Script. This can save you time, money, and trips to the pharmacy. Your share of costs for each prescription drug may change depending on which pharmacy you choose, the tier of the drug, and when you enter each coverage phase. After we receive your request, we will mail our decision (coverage determination) with a reimbursement check (if applicable) within 14 days. Low quality rating. Ask your pharmacist. If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period, Oct. 15 to Dec. 7. In addition, network providers and pharmacies agree to accept yourcopayment or coinsurance amount as your payment in full for your Medicare covered services or prescription drugs, saving you moneyout-of-pocket. Forward-Looking StatementsAll statements, other than statements of current or historical fact, contained in this press release are forward-looking statements. Important Information About Medicare Plans. Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. WellCare - "Wellcare" is issued by WellCare Prescription Insurance, Inc. WellCare - We do not offer every plan available in your area. Select 2021 WellCare plans will participate in the Senior Savings Model (SSM) capping insulin medication costs at $35 per 30-day supply throughout the plan year. Consumer Affairs rating: 2.9 stars. By continuing to use our site, you agree to our Privacy Policy and Terms of Use. With other plans, such asWellCare MedicareAdvantage Preferred Provider Organization (PPO)* plans, you may pay higher out-of-pocket costs if you get care from someone not in the plans preferred provider network, and in that case: WellCare contracts with certain providers to offer you special rates for your care, usually lower than what they would charge you if you were not enrolled in aWellCareMedicarehealth plan. plan for prescription drug coverage. Other pharmacies are available in our network. You can ask us to pay you back for our share of the cost. Wellcare's Medicare Parts D plans have an average rating of 3.5 stars, while the industry average is 3.7 stars. WellCare will offer the same six plans in 2021 that it offered in 2020. Refer to the Evidence of Coveragefor information on your share of the prescription cost. You can use one of the determination forms to complete a Medicare drug coverage request: Electronic Medicare Drug Coverage Request Form complete this electronic form via our website. Read that document carefully. This influences which products we write about and where and how the product appears on a page. State and Federal Privacy laws prohibit unauthorized access to Member's private information. The remaining 50 plans are operating in eight or fewer regions and account for 79 PDPs. For more information about filling your prescriptions at network pharmacies, please refer to your Evidence of Coverage. Stand-alone Medicare Part D plans from Wellcare outperformed the national average on three Part D measures, tied the average for one measure and fell behind the national average on eight measures[0]Centers for Medicare & Medicaid Services. Stand-alone Medicare prescription drug plans from Wellcare are available in all 50 states and Washington, D.C. Wellcare Medicare Part D premiums and deductibles, Here are the 2023 premiums and deductibles for Wellcares stand-alone Medicare prescription drug plans. "Wellcare by Health Net" is issued by Health Net Life Insurance Company. Hydroxyprogesterone caproate (Makena/compound) is a progestin. 2023 PDP Landscape Source File (v 09 06 2022): State; Organization Name; Plan Name. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Eculizumab (Soliris) is a complement inhibitor. (All specialty pharmacies:TTY 711). Since then, WellCare has been Centenes largest government-sponsored health care programs provider. Locations Accredo Health Group:1-866-718-7952 Site Map|Feedback|Download Adobe Acrobat ReaderY0074_BCBSMBCNWeb_M_2023_A CMS Accepted 01082023, Page Last Updated Tue Dec 13 09:09:45 EST 2022, Y0074_BCBSMBCNWeb_M_2023_A CMS Accepted 01082023. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Shopping and service struggles. Its the only Wellcare plan for which the deductible depends on the formulary tier. WellCare of North Carolina is committed to working with providers to improve members' health and well-being. Please select your plan type Need help? Today, Wellcare serves nearly 1.5 million MA members across its 36-state footprint. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. May include some generic drugs. True Accessed Oct 14, 2022.View all sources: If you have concerns about affording Medicare Part D, look into Medicare Extra Help. Enter your ZIP Code and in a flash see your plan options. May include some brand-name drugs. This information may be different than what you see when you visit a financial institution, service provider or specific products site. If you have a WellCare Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO) Medicare Advantage Plan, your plan should include drug coverage. You can enter your medications and pharmacy information on Wellcares website to see which drugs are covered and review your estimated costs with different plan options. BettyJ_Trainer Teacher. Use our, Submit Proposed Clinical Policy Changes to the PDL, Outpatient Pharmacy Policies (9, 9A, 9B, 9D and 9E). WellCare has a formulary (list of drugs) and separates drugs into tiers that correspond to costs. 52% of Medicare Advantage prescription drug (MA-PD) plans will have a preferred network. These statements are not guarantees of future performance and are subject to risks, uncertainties and assumptions. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Students also viewed 30 terms Teacher 30 terms 2023 wellcare - Mastery Test 62 terms Centene Welcare 2023 30 terms DJ_SEANJAY Teacher Recent flashcard sets biologi Wellcare Medicare Part D prescription drug plans, Third-party ratings for Wellcare Medicare Part D plans, Wellcare is part of Centene Corp., which is the second-largest company offering Medicare Part D plans. Pre-qualified offers are not binding. Call to speak with a licensed insurance agent now. The WellCare provider network may include primary care doctors, specialists, hospitals, pharmacies, labs, and other medical providers necessary for your care. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. Among the top five largest Medicare Plan D insurance companies, Wellcare has the lowest average summary star rating, weighted by enrollment. Mail the completed form and receipt to the address on the form. Prescribers may continue to write prescriptions for drugs not on the PDL. MORE: How much does Medicare Part D cost? Learn how to get the most out of your plan benefits. We're here for you. How Do I Talk To a Real Person at the Social Security Office? Accessed Oct 14, 2022.View all sources: Preferred generic drugs. Initial coverage limits and annual out-of-pocket threshold amounts are the same for all three plans. ManyWellCare MedicareAdvantage plans andstand-alone WellCare Medicare Part D Prescription Drugplans require you to use network providers for your routine care and prescription medications (except in emergency situations), to offer you lower out-of-pocket costs if you use preferred providers in theWellCare Medicareprovider network. complete this electronic form via our website. 2023 PDP Landscape Source File (v 09 06 2022): Monthly Drug Premium. Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Also, compare prices for using mail order. If you do not have the original receipt, you can ask your pharmacy for a printout. Trientine (Syprine) is a chelating agent. By their nature, forward-looking statements involve known and unknown risks and uncertainties and are subject to change because they relate to events and depend on circumstances that will occur in the future, including economic, regulatory, competitive and other factors that may cause our or our industry's actual results, levels of activity, performance or achievements to be materially different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. It acquired Wellcare in 2020 and has since consolidated its Medicare offerings under the Wellcare brand name. CVS Caremark Mail Service Pharmacy He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. All PDPs will feature a $0 tier 1 benefit when filled at preferred pharmacies. Lower tiers include generic, lower-cost medications, and higher tiers include higher-cost, brand name, or specialty drugs. How can I get mail-order prescription services? Wellcare will also offer 48 newly designed plans, and 18 of 36 markets will offer at least one new plan. The costs and coverage can vary significantly, so its important to compare options. We can help you to manage side effects and symptoms, ensure you take drugs timely and as prescribed, and guide you through order refills. Contact Us. This policy provides a list of drugs that require step therapy. Providers may appeal a coverage determination decision by contacting our Pharmacy Appeals department via fax, mail, in person or phone. However, this does not influence our evaluations. For comparison, the highest score was 75 and the health insurance industry average was 73. Your ZIP Code allows us to filter for Medicare plans in your area. AcariaHealth Pharmacy:1-844-538-4661 The benefits of this service include cost savings, convenience and automatic refills and reminders. The Preferred Drug List contains information about drugs covered by the plan. As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Find a Provider | Wellcare Select type Select your state Select your plan Welcome, Member! This means we offer prescriptions to plan members at discounted prices, so your co-payment could be as low as $0* when you fill your prescription at one of our Pharmacies. When typing in this field, a list of search results will appear and be automatically updated as you type. Preferred brand-name drugs. Walgreens will continue to be a part of preferred pharmacy networks with three national Medicare Part D plan sponsors: Humana; UnitedHealthcare; WellCare; Walgreens is in the networks of hundreds of other Medicare prescription drug plans for 2015, in addition to participating in these preferred pharmacy networks. If the request is time-sensitive and waiting for a decision may seriously harm your health, your life or impact your ability to regain maximum function, you can request an expedited decision. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Centene (the Company, our, or we) intends such forward-looking statements to be covered by the safe-harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and we are including this statement for purposes of complying with these safe-harbor provisions. Here is a list of our partners and here's how we make money. 2023 Centene Cert Review. She is based in Virginia Beach, Virginia. Except as may be otherwise required by law, we undertake no obligation to update or revise the forward-looking statements included in this press release, whether as a result of new information, future events or otherwise, after the date hereof. In 2023, Wellcare will continue to expand its geographic footprint offering plans in 209 new counties. Our partners cannot pay us to guarantee favorable reviews of their products or services. The WellCare Specialty Pharmacy offers expert service in the special handling, storage and administration of medications for members who have long-term, life-threatening or rare conditions. Complete this printable form to ask for an appeal after being denied a request for coverage or payment for a prescription drug. Wellcares preferred pharmacies are CVS and Caremark. Power dont rank WellCares Part D plans separately, but provide insight into Wellcares health and Medicare Advantage Plans. When evaluating offers, please review the financial institutions Terms and Conditions. Members should fax form to 1-866-388-1767. Get plan recommendations that match your needs. Compare Wellcares Prescription Drug Plans (PDPs) available in your area on Wellcares website. Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Centene Corp, the parent company of Wellcare, has an A- rating from the, Wellcares Health Plans, including Medicare Advantage HMO and PPO Advantage Plans, received ratings ranging from 2.5 to 3.5 out of 5 stars from the, Three standalone plans available with low, medium, and high monthly premiums, Must use their preferred pharmacies for lowest costs, Rules for prior authorizations and step-wise therapy may be burdensome. Does WellCare have good Medicare prescription drug plans? Part D plans are sold by private insurance companies. Filling your prescription is as easy as visiting a participating network pharmacy and presenting your WellCare ID card. Pharmacy Select 2021 WellCare plans will participate in the Senior Savings Model (SSM) capping insulin medication costs at $35 per 30-day supply throughout the plan year. Compare Medicare plans We may cover your drugs filled at an out-of-network pharmacy if: If you take a drug(s) on a regular basis and are planning to travel, be sure to check your supply of the drug(s) before you leave. ACSI measures satisfaction with the health insurance industry as a whole Centenes score represents all of its health insurance products, not just Medicare Part D insurance. Please select your state Need help? For more information, please visit our Mail Order Servicepage located on this website. Additionally, Wellcare will continue to expand Preferred Provider Organization (PPO) offerings, including newly launched PPO-D-SNP plans in Connecticut, Indiana, Kansas, Kentucky, Mississippi, Ohio, Oklahoma, Pennsylvania, and South Carolina. Medicare prescription drug plans from Wellcare have advantages and disadvantages. You can use one of the redetermination forms to complete a request for redetermination of Medicare prescription drug denial: Electronic Request for Redetermination of Medicare Prescription Drug Denial Formcomplete this electronic form via our website. J.D. You. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred . PDP | Wellcare Corporate Information Company Overview Find a Provider/Pharmacy Select type Select your state Select your plan Welcome, Member! The Wellcare Value Script and Medicare Rx Value Plus plans both have copays for Tier 6 diabetic drugs. Health maintenance organizations (HMOs): 2,337 local plans, Preferred provider organizations (PPOs): 1,572 local plans and 41 regional plans, Private fee-for-service (PFFS) plans: 29 plans. Read more to learn about our Compliance Program. These six plans account for a further 181 regional PDPs. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call 1-833-444-9088 (TTY 711) for Wellcare No Premium (HMO) and Wellcare Giveback (HMO) in MO or consult the online pharmacy directory at www.wellcare.com/medicare; and 1-833-542-0693 (TTY 711) for Wellcare No Premium (HMO), Wellcare Giveback (HMO), and Wellcare No Premium Open (PPO) in NE or consult the online pharmacy directory at www.wellcare.com/NE. To find out if youre eligible, use the. For certain kinds of prescription drugs, you can use our preferred mail order service CVS Caremark. Tell your patients about this convenient way to have maintenance medications delivered to their doorstep. The drugs included in tiers and what youll pay for each tier depend on your choice of prescription drug plan and what kind of pharmacy you use. Shes equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans. Crizanlizumab-tmca (Adakveo) is a selectin blocker. We discuss certain of these matters more fully, as well as certain other factors that may affect our business operations, financial condition and results of operations, in our filings with the Securities and Exchange Commission (SEC), including our annual report on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K. Due to these important factors and risks, we cannot give assurances with respect to our future performance, including without limitation our ability to maintain adequate premium levels or our ability to control our future medical and selling, general and administrative costs. Ravulizuamb-cwvz (Ultomiris) is a complement inhibitor. Understand Wellcares rules about how you get your prescription drugs. When you are in the coverage gap, you will pay up to 25% of drug costs. CVS Caremark Specialty Pharmacy:1-800-237-2767 The coverage determination process enables providers to request an addition or exception. What's prior authorization and how does it work? Printable Request for Redetermination of Medicare Prescription Drug Denial Form (PDF) complete and fax or mail the form to us. Changes go into effect on the following Jan. 1. Accessed Oct 14, 2022.View all sources: Medication adherence for diabetes medications, (a higher star rating means fewer members choose to leave), Call center foreign language interpreter and TTY availability, (a higher star rating means fewer complaints), Medication Therapy Management program completion rate for comprehensive medication review. Sixteen plans are being offered in all 34 regions, for a total of 544 PDPs (=16*34). or call 800-MEDICARE (800-633-4227, TTY 877-486-2048). Wellcare offers all three of its Medicare Part D plan options in all of its markets. With an average monthly premium of $18.30, the Rx Essential policy has no deductible for medications in the first two tiers at preferred pharmacies. Students also viewed. Accessed Oct 14, 2022.View all sources. Cision Distribution 888-776-0942 A.M. Best does not rate Centene or Wellcare. Wellcare is accepted at over 60,000 network pharmacies nationwide. The agency bases its ratings on drug plans quality of service and customer experiences, and ratings are updated annually. The NC Medicaid Preferred Drug List (PDL) allows NC Medicaid to obtain better prices for covered outpatient drugs through supplemental rebates. She currently leads the Medicare team. This low-cost policy is a good choice for those on Tier I & II prescriptions. 2023 PDP Landscape Source File (v 09 06 2022): State; Organization Name; Plan Name, 2023 PDP Landscape Source File (v 09 06 2022): Monthly Drug Premium, 2023 Star Ratings Data Table - Measure Stars (Oct 04 2022), Medicare 2023 Part C & D Star Ratings Technical Notes: Table C-2: National Averages for Part D Measures, Do not sell or share my personal information. The WellCare Classic plan includes a moderate monthly premium, but you still pay an annual deductible before your plan starts paying. SSM information can be found in the plan's Evidence of Coverage. According to federal regulations, preferred pharmacies in Part D must offer "covered Part D drugs at negotiated prices to Part D enrollees at lower levels of cost sharing than apply at a non-preferred pharmacy under its pharmacy network contract." . Arizona D-SNP plans: Contract services are funded in part under contract with the State of Arizona. In order to find a pharmacy that accepts your WellCare plan, visit the WellCare website and search its Pharmacy Directory. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. You should not place undue reliance on any forward-looking statements, as actual results may differ materially from projections, estimates, or other forward-looking statements due to a variety of important factors, variables and events including, but not limited to: our ability to accurately predict and effectively manage health benefits and other operating expenses and reserves, including fluctuations in medical utilization rates due to the ongoing impact of COVID-19; the risk that the election of new directors, changes in senior management, and any inability to retain key personnel may create uncertainty or negatively impact our ability to execute quickly and effectively; uncertainty as to the expected financial performance of the combined company following the recent completion of the Magellan Acquisition; the possibility that the expected synergies and value creation from the Magellan Acquisition or the acquisition of WellCare Health Plans, Inc. (the WellCare Acquisition) or other acquired businesses will not be realized, or will not be realized within the respective expected time periods; disruption from the integration of the Magellan Acquisition or the WellCare Acquisition, unexpected costs, or similar risks from other acquisitions or dispositions we may announce or complete from time to time, including potential adverse reactions or changes to business relationships with customers, employees, suppliers or regulators, making it more difficult to maintain business and operational relationships; the risk that the closing conditions, including applicable regulatory approvals, for the pending dispositions of Magellan Rx and our Spanish and Central European businesses, may be delayed or not obtained; impairments to real estate, investments, goodwill and intangible assets; a downgrade of the credit rating of our indebtedness; competition; membership and revenue declines or unexpected trends; changes in healthcare practices, new technologies, and advances in medicine; increased healthcare costs; changes in economic, political or market conditions; changes in federal or state laws or regulations, including changes with respect to income tax reform or government healthcare programs as well as changes with respect to the Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act (collectively referred to as the ACA) and any regulations enacted thereunder that may result from changing political conditions, the new administration or judicial actions; rate cuts or other payment reductions or delays by governmental payors and other risks and uncertainties affecting our government businesses; our ability to adequately price products; tax matters; disasters or major epidemics; changes in expected contract start dates; provider, state, federal, foreign and other contract changes and timing of regulatory approval of contracts; the expiration, suspension, or termination of our contracts with federal or state governments (including, but not limited to, Medicaid, Medicare, TRICARE or other customers); the difficulty of predicting the timing or outcome of legal or regulatory proceedings or matters, including, but not limited to, our ability to resolve claims and/or allegations made by states with regard to past practices, including at Envolve Pharmacy Solutions, Inc. (Envolve), as our pharmacy benefits manager (PBM) subsidiary, within the reserve estimate we recorded in 2021 and on other acceptable terms, or at all, or whether additional claims, reviews or investigations relating to our PBM business will be brought by states, the federal government or shareholder litigants, or government investigations; the timing and extent of benefits from strategic value creation initiatives, including the possibility that these initiatives will not be successful, or will not be realized within the expected time periods; challenges to our contract awards; cyber-attacks or other privacy or data security incidents; the exertion of management's time and our resources, and other expenses incurred and business changes required in connection with complying with the undertakings in connection with any regulatory, governmental or third party consents or approvals for acquisitions or dispositions; any changes in expected closing dates, estimated purchase price and accretion for acquisitions or dispositions; restrictions and limitations in connection with our indebtedness; our ability to maintain or achieve improvement in the Centers for Medicare and Medicaid Services (CMS) Star ratings and maintain or achieve improvement in other quality scores in each case that can impact revenue and future growth; the availability of debt and equity financing on terms that are favorable to us; inflation; foreign currency fluctuations; and risks and uncertainties discussed in the reports that Centene has filed with the Securities and Exchange Commission.