Aetna dental ppo coverage 2023

DMO® Dental Benefits Summary. Effective Date: 01-01-2018 Plan 54. PROCEDURE PROCEDURE. 7. Those for dentures, crowns, inlays, onlays, bridgework, or other appliances or services used for the purpose of splinting, to alter vertical dimension, to restore occlusion, or to correct attrition, abrasion or erosion.

Aetna dental ppo coverage 2023. This plan uses the Aetna Dental PPO Network. Note: Most out‑of‑network providers will bill us directly. If you use one who won't bill us, you can pay for covered services and ask us to reimburse you. Glaucoma screening $0 Diagnostic eye exams (including diabetic eye exams) $0 Routine eye exam (eye refraction) $0

Complex services like root canals, crowns, and dentures after a six-month waiting period with a 50% coinsurance. $50/person. $1500/person. Platinum. Cleanings, exams, and X-rays paid at 100% with no waiting period. Basic services like fillings after a three-month waiting period † with a 20% coinsurance. Complex services like root canals ...

In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO. Virginia members: In Virginia, DMO is called DNO (Dental Network Only). DNO (Dental Network Only) in Virginia is not an HMO.Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.To learn more about the Aetna DMO plan, click here. 2023 - 2024 Plan Design and Benefits Summary - Dental - Plan-specific information on services the plan covers, deductibles, premium rates, enrollment and waiver deadline dates, plan limitations and more. 2022 - 2023 Member Policy Contract Documents - Dental.Under the Affordable Care Act (ACA), you must receive a Summary of Benefits and Coverage (SBC) document. It explains your benefits. It also has examples of how much you might pay out of pocket for certain health services. All SBCs must follow a standard format. This makes it easier to compare health plans and costs. Where to find your plan’s SBC.Sep 27, 2022 · Aetna Medicare Select Plan (PPO) H5521 ‑ 128 Here’s a summary of the services we cover from January 1, 2023 through December 31, 2023. Keep in mind: This is just a summary. Need a complete list of what we cover and any limitations? Just visit AetnaMedicare.com where you’ll find the plan’s Evidence of Coverage (EOC) or you may call us to Dental services (in addition to Original Medicare coverage) Our plan pays up to $1,500 every year for covered services. Cosmetic procedures such as teeth whitening are not covered. You are responsible for any costs over this amount. This plan uses the Aetna Dental PPO Network. You can see in‑ or out‑of‑network providers for dental

Sep 27, 2022 · Original Medicare coverage) Our plan pays up to $1,000 every year for covered services. Cosmetic procedures such as teeth whitening are not covered. You are responsible for any costs over this amount. This plan uses the Aetna Dental PPO Network. You can see in‑ or out‑of‑network providers for dental services (out‑of‑network Sep 27, 2022 · This is the amount you pay for certain services before Aetna Medicare Value Plan (PPO) begins to pay. The plan deductible applies only to certain out‐of‐network services. Maximum out‐of‐pocket amount (does not include prescription drugs) $5,500 for in‐network services. $8,950 for in‐ and out‐of‐network services combined. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.An Aetna team member will answer your call. 2023 Summary of Benefits Aetna Medicare Advantra Premier Plus (PPO) | H5522-002 | $77 | Y0001_H5522_002_PR18_SB23_M ... If you choose a provider outside of the Aetna Dental PPO Network, ... coverage) Aetna Medicare Advantra Premier Plus (PPO) | H5522-002 …Collecting shark teeth is a hobby for many people, but why do we do it? Learn why collecting shark teeth is like gathering up pieces of history. Advertisement Shark teeth can be fo...

2. Log in to your member website. OR. 1. Get the Aetna Health app by texting “GETAPP” to 90156 (TTY: 711) for a link to download the app and create an account. Message and data rates may apply.***. * In Texas, the Preferred Provider Organization (PPO) plan is known as the Participating Dental Network (PDN).This Aetna Dental® Preferred Provider Organization (PPO) benefits summary is provided by Aetna Life Insurance Company for some of the more frequently performed dental procedures. Under the Dental Preferred Provider Organization (PPO) plan, you may choose at the time of service either a PPO participating dentist or any nonparticipating … The DMO does not provide coverage outside of the Aetna network. There is no deductible to meet under the DMO, nor is there an annual maximum coverage amount. Office visits require a $5 copay. Orthodontic services are available for both adults and children and require a $2,300 copay. The DMO Plan includes dental implant coverage. In 2023, according to ADA data, general practice dentists in private practice earned an annual average of $218,710. While the long-term trend shows a slight decline over the last decade, ADA data show no statistically significant change in 2023 compared to 2022. Data from the U.S. Bureau of Labor Statistics (BLS) show a slight increase in the ...

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Dental School Grades and Courses - Dental school grades and courses are highly competitive which means you'll have to study hard. Learn about dental school grades and courses. Adve...Policy Year: 2022 - 2023 Policy Number: 724536 www.aetnastudenthealth.com (877) 238-6200. This Aetna Dental® Preferred Provider Organization (PPO) insurance plan summary is provided by Aetna Life Insurance Company (Aetna) for some of the more frequently performed dental procedures. Under this plan, you may choose at the time of service … In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO. Virginia members: In Virginia, DMO is called DNO (Dental Network Only). DNO (Dental Network Only) in Virginia is not an HMO. 2. Log in to your member website. OR. 1. Get the Aetna Health app by texting “GETAPP” to 90156 (TTY: 711) for a link to download the app and create an account. Message and data rates may apply.***. * In Texas, the Preferred Provider Organization (PPO) plan is known as the Participating Dental Network (PDN). As an Aetna International member, some of the services covered by your Aetna Dental® PPO plan include: Preventive care — cleanings, bitewing and full-mouth X-rays. Basic care — fillings and basic restorative work. Major services — bridges, crowns and dentures. See your plan documents for specific benefit coverage and a complete list of ...

With Aetna Dental® plans, you get a strong national network, a flexible portfolio of dental plan designs and convenient virtual and mobile care options to support members in every health moment, for better health outcomes. Learn more about Aetna’ dental insurance plans and coverage, including PPO, DMO, Indemnity and Hybrid plans. Living with a chronic condition can be challenging. From managing symptoms to finding the right treatments, it’s important to have access to the resources and support you need. Aet...Aetna Medicare Value Plan (PPO) H5521 ‑ 088 Here’s a summary of the services we cover from January 1, 2023 through December 31, 2023. Keep in mind: This is just a summary. Need a complete list of what we cover and any limitations? Just visit AetnaMedicare.com where you’ll find the plan’s Evidence of Coverage (EOC) or you may call us toAetna Medicare Eagle Plan (PPO) 3.5 out of 5 stars* for plan year 2024. Aetna Medicare Eagle Plan (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Aetna Inc. Plan ID: H3288-051-000. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $0.00 Monthly Premium. dental coverage solely through Aetna Dental DMO® and PPO plans. About these plans: • 1 • The top employee locations (from highest level of employees to the lowest) are North Carolina, Georgia, Florida, Virginia, South Carolina and Tennessee . You help us pioneer dental excellence . Thank you for being an integral part of our network. 2023 Evidence of Coverage for Aetna Medicare Premier Plus (PPO) 7 Chapter 1 Getting started as a member SECTION 1 Introduction Section 1.1 You are enrolled in Aetna Medicare Premier Plus (PPO), which is a Medicare PPO You are covered by Medicare, and you have chosen to get your Medicare health care and your4 out of 5 stars* for plan year 2024. Aetna Medicare Preferred Plan (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Aetna Inc. Plan ID: H5521-380-000. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $0.00 Monthly Premium. Washington Medicare beneficiaries may ...1. Under the DMO dental plan, services performed by specialists are eligible for coverage only when prescribed by the primary care dentist and authorized by Aetna Dental. If Aetna's payment to the specialty dentist is based on a negotiated fee, then the member's copayment for the service will be based on the same negotiated fee. 2.Having straight teeth is often the foundation of a beautiful smile. The issue, though, is that orthodontic care is usually costly, even if you have insurance — and it can be outrig...

Your Aetna dental plan options include: Affordable plan options starting at $20 with dental checkups, cleanings and x-rays covered at 100%. A nationwide network of more than 420,000 dental providers Based on August 2022 Aetna provider data. Plan options with coverage for fillings, crowns, root canals and more.

2023 Evidence of Coverage for Aetna Medicare Premier Plus (PPO) 7 Chapter 1 Getting started as a member SECTION 1 Introduction Section 1.1 You are enrolled in Aetna Medicare Premier Plus (PPO), which is a Medicare PPO You are covered by Medicare, and you have chosen to get your Medicare health care and your Effective Date: 01-01-2023 Dental Benefits Summary Active PPO With PPOII Network Participating Non-participating Annual Deductible* Individual $50 $50 Family $150 $150 ... Aetna may decide to authorize coverage only for a less costly covered service provided that all of the following terms are met: (a) the service must be listed on the Dental ...Dental school admissions is a fairly streamlined process in the United States. Learn about the steps involved in dental school admissions. Advertisement So, you want to be a dentis...Aetna Medicare Premier (PPO) Aetna Medicare Premier (PPO) is a Medicare Advantage (Part C) Plan by Aetna Medicare. This page features plan details for 2024 Aetna Medicare Premier (PPO) H5521 – 033 – 0 available in North, Central, West, NW, SW, TC, South FL. IMPORTANT: This page has been updated with plan and premium data for 2024.For comparison, the average star rating for plans from all providers for 2024 is 4.04. Of Aetna members who are in contracts with a Medicare star rating, 87% are in contracts rated 4 stars or ...With so many different types of plans and providers to choose from, selecting the best health insurance for yourself or your family can feel overwhelming. While the majority of Ame...United Healthcare Dental Coverage 2024. Dental insurance helps you plan for the costs of dental care. A nationwide dental ppo plan. 2024 provider quick reference guide for medicare advantage plans. Benefit options include $0 unlimited primary and virtual urgent care, prescriptions as low as $5, dental and vision coverage and up to $100 in reward.This Aetna Dental® Preferred Provider Organization (PPO) benefits summary is provided by Aetna Life Insurance Company for some of the more frequently performed dental procedures. Under the Dental Preferred Provider Organization (PPO) plan, you may choose at the time of service either a PPO participating dentist or any nonparticipating dentist.

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Annual maximum benefit: $1,250 per person. $50/$150. $59-75/$114-141 *varies by location, estimates calculated for one or two adults between ages 50 and 60. n/a. Aetna Dental® Direct Core. PPO. After the deductible, you pay 50 percent for basic services and 50 percent for major services.An Aetna team member will answer your call. 2023 Summary of Benefits Aetna Medicare Advantra Silver (PPO) | H5522-005 | $17 | Y0001_H5522_005_PR20_SB23_M (Updated) ... This plan uses the Aetna Dental PPO Network. You can see in‑ or ... coverage) Aetna Medicare Advantra Silver (PPO) | …Cost savings and a choice of dentists. Your Delta Dental PPO plan offers a large network of dentists plus savings on out-of-pocket costs for covered services. Save the most when you visit a Delta Dental PPO dentist. You're free to visit any licensed dentist. You pay only a percentage of the dentist's fee for covered services.Collecting shark teeth is a hobby for many people, but why do we do it? Learn why collecting shark teeth is like gathering up pieces of history. Advertisement Shark teeth can be fo...Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). Health benefits and health insurance plans contain exclusions and limitations. Get tools and guidelines from Aetna to help with submitting insurance claims and ...4 out of 5 stars* for plan year 2024. Aetna Medicare Value (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Aetna Inc. Plan ID: H7301-007-000. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $0.00 Monthly Premium.In Texas, the insured dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna Healthcare DPPO network. Policy forms: OK – HP-POL99/HP-POL388, OR - HP-POL68/HP-POL352, TN – HP-POL69/HC-CER2V1/HP-POL389 et al. (CHLIC). Learn what a dental preferred provider organization (DPPO) is and how it works.coverage. Your Dental Care Plan Coverage Is Subject to the Following Rules: 18. Those for pontics, crowns, cast or processed restorations made with high-noble metals, unless otherwise specified in the Booklet-Certificate. Alternate Treatment Rule: If more than one service can be used to treat a covered person’s dental condition, Aetna mayYour Aetna dental plan options include: Affordable plan options starting at $20 with dental checkups, cleanings and x-rays covered at 100%. A nationwide network of more than 420,000 dental providers Based on August 2022 Aetna provider data. Plan options with coverage for fillings, crowns, root canals and more.Dental Clinical Policy Bulletins are developed by Aetna to assist in administering plan benefits and constitute neither offers of coverage nor medical/dental advice. This Dental Clinical Policy Bulletin contains only a partial, general description of plan or program benefits and does not constitute a contract.Aetna Medicare Choice Plan (PPO) H5521 ‑ 101 Here’s a summary of the services we cover from January 1, 2023 through December 31, 2023. Keep in mind: This is just a summary. Need a complete list of what we cover and any limitations? Just visit AetnaMedicare.com where you’ll find the plan’s Evidence of Coverage (EOC) or you … ….

Aetna Dental Direct plan members, log in to our secure member portal or register if you are first time user. Here you can manage benefits, handle claims, find forms and more.MyBenefits Service Center at 1-844-251-1777 from 8 AM– 6 PM CT or by visiting mybenefits.illinois.gov to ask about eligibility, make changes to your coverage or opt-out of the Aetna MAPD PPO plan. Medicare at 1-800-633-4227 or by visiting www.medicare.gov to ask questions about Medicare Parts A and B.Aetna's additive effects on CVS' earnings might be front and center, but it isn't fully actualized just yet....CVS As CVS Health (CVS) continues to tout its Aetna acqui... In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. DMO dental benefits and dental insurance plans are underwritten by Aetna Dental Inc., Aetna Dental of California Inc., Aetna Health Inc. and/or Aetna Life Insurance Company. Dental PPO and dental indemnity insurance plans are underwritten and/or administered by Aetna ... Here are our picks for the best dental insurance companies: Anthem – Good for out-of-network coverage. Guardian – Good price for benefits provided. Ameritas – Good for no waiting periods ...An individual health plan is one that you buy on your own. It is not offered by a group such as an employer or school. You can apply for an individual health plan in three ways: Directly with the insurer. With an insurance broker or insurance navigator. On a state health insurance exchange. These are also called health insurance marketplaces.50%–70% for comprehensive services. Comprehensive services include fillings, extractions, crowns, root canals, dentures and oral surgery. Our plan pays up to a maximum amount of $1,000 every year for preventive and comprehensive services. You are responsible for any costs over this amount.In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO. Virginia members: In Virginia, DMO is called DNO (Dental Network Only). DNO (Dental Network Only) in Virginia is not an HMO.You can also call your Aetna Service Advocate at 1-866-267-1091 , Monday through Friday, 8 a.m. to 6 p.m. your local time. Dental plans. You have a choice of two Aetna dental plans: PPO and DMO. Click on the links below each dental plan name to learn more. PPO. Aetna dental ppo coverage 2023, 2023 Evidence of Coverage for Aetna Medicare Premier Plus (PPO) 7 Chapter 1 Getting started as a member SECTION 1 Introduction Section 1.1 You are enrolled in Aetna Medicare Premier Plus (PPO), which is a Medicare PPO You are covered by Medicare, and you have chosen to get your Medicare health care and your, 2022 Aetna Dental DMO (PDF) 2022 Aetna Dental PPO (PDF) 2023 Plan Documents. 2023 Aetna Dental DMO (PDF) 2023 Aetna Dental PPO (PDF) You receive greater benefit coverage when you use a provider who participates in the Aetna Dental participating network. Contact Aetna. Member Services: 1-877-238-6200 Website: www.aetna.com. …, We review UnitedHealthcare’s dental plans, including coverage benefits, premiums and available plan types. By clicking "TRY IT", I agree to receive newsletters and promotions from ..., Nationwide Insurance offers five levels of Multiflex PPO dental plan. The basic preventive plan is similar to Cigna's but costs from around $25 per month. ... Humana is a trusted dental coverage option in the US, renowned for its extensive network of over 335,000 participating dentists. With headquarters in Louisville, KY, Humana, Inc. is a for ..., Let’s get you to the right place. Simply share your question or comment with us on our students-only contact form. Be sure to have your student ID number. Complete student form. Contact Aetna Member Services or get answers to questions you have about our plans, programs, and group benefits., Types of Teeth - There are different types of teeth and different ways of naming them. Learn about types of teeth, tooth surfaces and the Universal System of naming them. Advertise..., 2023-H3959.057.1 H3959-057 Aetna Medicare Advantra Eagle (HMO) ... If you choose a provider outside of the Aetna Dental PPO Network, services will not be covered. Glaucoma screening $0 Diagnostic eye exams (including diabetic eye exams) $0–$35 ... Aetna Medicare is a HMO, PPO plan with a Medicare contract. Our DSNPs …, With Aetna Dental® plans, you get a strong national network, a flexible portfolio of dental plan designs and convenient virtual and mobile care options to support members in every health moment, for better health outcomes. Learn more about Aetna’ dental insurance plans and coverage, including PPO, DMO, Indemnity and Hybrid plans., Dental services provided for the routine care, treatment, or replacement of teeth or structures (e.g., root canals, fillings, crowns, bridges, dental prophylaxis, fluoride treatment, and extensive dental restoration) or structures directly supporting the teeth are generally excluded from coverage under Aetna's medical plans, except under the ..., Good oral health starts at a very young age. Taking care of your child's gums and teeth every day helps prevent tooth decay and gum disease. It also helps make it a regular habit f..., www.aetnamedicare.com Customer Service: Medical, Dental and Behavioral Health 1-833-570-6670 Prescription Drug 1-833-620-8808 24 Hour Nurse Line 1-855-493-7019 Provider Services 1-800-624-0756, You pay your coinsurance or copay along with your deductible. Some plans do not offer any out-of-network benefits. For those plans, out-of-network care is covered only in an emergency. Otherwise, you are responsible for the full cost of any care you receive out of network. The information on this page is for plans that offer both network and ..., 2023-H3959.035.1 H3959-035 Aetna Medicare Advantra Cares (HMO D‑SNP) ... For us to cover your dental services, you must see a dentist in the Aetna Dental PPO Network. To find a dentist, use the phone number or website listed in the contact quick ... Your dental coverage has a maximum benefit. Keep in mind: If you have dental care …, Part I: GENERAL INFORMATION. Insurer Name: Aetna Life Insurance Company Policy Type: PPO Effective Date: 01/01/2023-12/31/2023. Plan Name: Aetna Dental® PPO Insurer Phone #: 1-877-238-6200 Insurer Website: www.aetna.com. THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND WHAT YOU …, Mental Health Inpatient Care. In-Network: Psychiatric Hospital Services: $325.00 per day for days 1 to 4. $0.00 per day for days 5 to 90. Prior Authorization Required for Psychiatric Hospital Services. Prior authorization required. Out-of-Network: Coinsurance for Psychiatric Hospital Services per Stay 45%., DMO® Dental Benefits Summary. Effective Date: 01-01-2018 Plan 54. PROCEDURE PROCEDURE. 7. Those for dentures, crowns, inlays, onlays, bridgework, or other appliances or services used for the purpose of splinting, to alter vertical dimension, to restore occlusion, or to correct attrition, abrasion or erosion., 4 out of 5 stars* for plan year 2024. Aetna Medicare Advantra Gold (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Aetna Inc. Plan ID: H1608-027-000. * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. $25.00 Monthly Premium. West Virginia Medicare beneficiaries ..., Aetna estimates 84% of the Medicare-eligible beneficiaries in the U.S. will have access to a $0 monthly premium Aetna MA plan. 1. For 2023, Aetna is offering Medicare Advantage Prescription Drug ..., We would like to show you a description here but the site won’t allow us., Current Dental Terminology © 2023 American Dental Association. ... Your Dental Care Plan Coverage Is Subject to the Following Rules: ... Dental plans are provided ..., You can: Enter the first 3 letters of a medicine name to check coverage. Find pricing for store pickup or through mail order. Get suggestions for generic drugs that can help you save. There’s more, including medicine support, refill alerts and safety information. To find it all, look for “Prescriptions” once you’re logged in., SBC Search Tool:SBC. Please note: SBCs with coverage effective dates of 2013 and earlier do not have supplemental materials associated with the SBC. Supplemental materials are supported for SBCs with a coverage effective date of 1/1/2014 or later. The SBCs in Mandarin, Tagalog, Spanish, and Navajo are provided upon request., Some patients have two dental insurance policies to help offset their dental treatment cost. Perhaps that is true of you. You may have an Aetna PPO Dental ..., Vision coverage: Dental coverage: Hearing coverage: Prescription drugs: Medical deductible: $0.00: Out-of-pocket maximum: $5,900.00: Initial drug coverage limit: $0.00: Catastrophic drug coverage limit: $7,400.00: Primary care doctor visit: $0 in-network / 45% out-of-network: Specialty doctor visit: $35 in-network / 45% out-of-network ..., Pros: All Humana Medicare Advantage plans offer preventive and comprehensive dental coverage. Humana offers plans in 94% of U.S. counties, making it an option for most people. Most Humana Medicare ..., many cases the in-network dental provider will submit the claims directly to Aetna, eliminating the necessity to file claim forms. To find an in-network provider, call Aetna at 1-877-STATENJ (1-877-782-8365). PREMIUM COSTS For employees of the State, the premium cost for dental plan coverage is shared between the State and the employee., Your Aetna dental plan options include: Affordable plan options starting at $20 with dental checkups, cleanings and x-rays covered at 100%. A nationwide network of more than 420,000 dental providers Based on August 2022 Aetna provider data. Plan options with coverage for fillings, crowns, root canals and more. , We review Guardian Direct Dental Insurance, including availability, coverage options, basic and preventive care and more. By clicking "TRY IT", I agree to receive newsletters and p..., Talk to a licensed agent at 1-800-358-8749. (TTY: 711) Monday to Friday, 8 AM to 8 PM ET. Medicare provides you with coverage for health-related expenses, but it doesn’t cover everything. There are a number of gaps in Medicare coverage. Learn how a Medicare Supplement Insurance plan can help you fill them., OPTION 2: Preferred Provider Organization (PPO) Plan Option Featuring the Aetna PPO network dental nationwide. This is a fee-for-service plan that may provide coverage for treatment from any dentist. Plus, you get an opportunity to save on out-of-pocket expenses when you receive care from a dentist participating in the Aetna PPO network., In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. DMO dental benefits and dental insurance plans are underwritten by Aetna Dental Inc., Aetna Dental of California Inc., Aetna Health Inc. and/or Aetna Life Insurance Company. Dental PPO and dental indemnity insurance plans are underwritten and/or administered by Aetna ... , , Pros: All Humana Medicare Advantage plans offer preventive and comprehensive dental coverage. Humana offers plans in 94% of U.S. counties, making it an option for most people. Most Humana Medicare ...