PENDER COMMUNITY HOSPITAL DISTRICT
NPI 1578627196
General Acute Care Hospital - Critical Access in Pender, NE

NPI Status: Active since December 20, 2006

Contact Information

100 HOSPITAL DR
PENDER, NE
ZIP 68047
Phone: (402) 385-3083
Fax: (402) 385-1870

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  • Organization
  • General Acute Care Hospital
  • Critical Access
  • Accepts Insurance

About PENDER COMMUNITY HOSPITAL DISTRICT

Pender Community Hospital District is a hospital serving the Pender, Nebraska region. The facility is a general acute care hospital. The NPI number of this hospital is 1578627196 assigned on December 2006. The hospital's primary taxonomy code is 282NC0060X with license number H000120 (NE). The provider is registered as an organization and their NPI record was last updated May 2026. The provider's . The authorized official of this NPI record is Laura J Gamble (Ceo)

NPI
1578627196
Provider Legal Name
PENDER COMMUNITY HOSPITAL DISTRICT
Other Organization Name
Other Name Type
(6)
Entity Type
Organization
Location Address
100 HOSPITAL DR PENDER, NE 68047
Location Phone
(402) 385-3083
Location Fax
(402) 385-1870
Mailing Address
PO BOX 100 PENDER, NE 68047
Mailing Phone
(402) 385-4012
Mailing Fax
(402) 385-1870
Is Sole Proprietor?
No
Is Organization Subpart?
No
Enumeration Date
12-20-2006
Last Update Date
05-27-2026
Code Navigator



According to the Hospital Compare program data, Pender Community Hospital District doesn't have an overall quality rating because there are too few measures or measure groups reported to calculate a star rating or measure group score. The hospital provides emergency services like acute medical care or trauma care.

Location Map

Specialty - Primary Taxonomy

The NPI enumerator requires providers to submit at least one taxonomy code. A taxonomy code is a unique 10-character code that describes the healthcare provider type, classification, and the area of specialization. There could be only one primary taxonomy code per NPI record. For individual NPIs the license data is associated to the taxonomy code.

Classification

General Acute Care Hospital Critical Access

Taxonomy Code
282NC0060X
Type
Hospitals
License No.
H000120
License State
NE

Insurance Plans Accepted

According to publicly available information the provider might be accepting the following health plans from these health insurance companies:

  • Complete Gold - EPO
  • Complete Gold + Vision + Adult Dental - EPO
  • Complete Silver - EPO
  • Complete Silver + Vision + Adult Dental - EPO
  • Elite Bronze - EPO
  • Elite Bronze + Vision + Adult Dental - EPO
  • Everyday Bronze - EPO
  • Everyday Bronze + Vision + Adult Dental - EPO
  • Everyday Gold - EPO
  • Everyday Gold + Vision + Adult Dental - EPO
  • Standard Expanded Bronze - EPO
  • Standard Expanded Bronze + Vision + Adult Dental - EPO
  • Standard Gold - EPO
  • Standard Gold + Vision + Adult Dental - EPO
  • Standard Silver - EPO
  • Standard Silver + Vision + Adult Dental - EPO
  • Elite Bronze - EPO
  • Elite Bronze + Vision + Adult Dental - EPO
  • Elite Gold - EPO
  • Elite Gold + Vision + Adult Dental - EPO
  • Everyday Bronze - EPO
  • Everyday Bronze + Vision + Adult Dental - EPO
  • Everyday Gold - EPO
  • Everyday Gold + Vision + Adult Dental - EPO
  • Focused Silver - EPO
  • Focused Silver + Vision + Adult Dental - EPO
  • Standard Expanded Bronze - EPO
  • Standard Expanded Bronze + Vision + Adult Dental - EPO
  • Standard Gold - EPO
  • Standard Gold + Vision + Adult Dental - EPO
  • Standard Silver - EPO
  • Standard Silver + Vision + Adult Dental - EPO
  • Choice Bronze HSA - EPO
  • Choice Bronze HSA + Vision + Adult Dental - EPO
  • Clear Gold - EPO
  • Clear Gold + Vision + Adult Dental - EPO
  • Complete Gold - HMO
  • Complete Gold + Vision + Adult Dental - HMO
  • Elite Bronze - EPO
  • Elite Bronze - HMO
  • Elite Bronze + Vision + Adult Dental - EPO
  • Elite Bronze + Vision + Adult Dental - HMO
  • Elite Gold - EPO
  • Elite Gold + Vision + Adult Dental - EPO
  • Everyday Bronze - HMO
  • Everyday Bronze + Vision + Adult Dental - HMO
  • Everyday Gold - HMO
  • Everyday Gold + Vision + Adult Dental - HMO
  • Focused Silver - EPO
  • Focused Silver - HMO
  • Focused Silver + Vision + Adult Dental - EPO
  • Focused Silver + Vision + Adult Dental - HMO
  • Clear Gold - EPO
  • Clear Gold + Vision + Adult Dental - EPO
  • Complete Gold - EPO
  • Complete Gold + Vision + Adult Dental - EPO
  • Elite Silver - EPO
  • Elite Silver + Vision + Adult Dental - EPO
  • Everyday Bronze - EPO
  • Everyday Bronze + Vision + Adult Dental - EPO
  • Focused Silver - EPO
  • Focused Silver + Vision + Adult Dental - EPO
  • Principal Bronze HSA - EPO
  • Principal Bronze HSA + Vision + Adult Dental - EPO
  • Standard Expanded Bronze - EPO
  • Standard Expanded Bronze + Vision + Adult Dental - EPO
  • Standard Gold - EPO
  • Standard Gold + Vision + Adult Dental - EPO
  • Standard Silver - EPO
  • ConnectPlus $0 Gold - PPO
  • ConnectPlus $0 Silver - PPO
  • ConnectPlus $10,600 HSA Eligible HDHP - PPO
  • ConnectPlus $1800 - PPO
  • ConnectPlus $4500 - PPO
  • ConnectPlus $6500 HSA Eligible HDHP - PPO
  • ConnectPlus $7500 HSA Eligible HDHP - PPO
  • ConnectPlus MyWeighForward $2000 - PPO
  • ConnectPlus MyWeighForward $6000 - PPO
  • ConnectPlus Standard $2000 - PPO
  • ConnectPlus Standard $6000 - PPO
  • ConnectPlus Standard $7500 HSA Eligible HDHP - PPO
  • HeartlandBlue Bronze 0% Coinsurance after Deductible NEtwork Blue - EPO
  • HeartlandBlue Bronze 0% Coinsurance after Deductible NEtwork Blue PPO - PPO
  • HeartlandBlue Bronze 6000 Premier Select BlueChoice w/ Adult Vision - EPO
  • HeartlandBlue Bronze HSA 6500 NEtwork Blue - EPO
  • HeartlandBlue Bronze HSA 6500 NEtwork Blue PPO - PPO
  • HeartlandBlue Bronze HSA 6500 Premier Select BlueChoice - EPO
  • HeartlandBlue Bronze Standard 7500 NEtwork Blue - EPO
  • HeartlandBlue Bronze Standard 7500 NEtwork Blue PPO - PPO
  • HeartlandBlue Bronze Standard 7500 Premier Select BlueChoice - EPO
  • HeartlandBlue Gold $0 PCP Visit 1500 NEtwork Blue - EPO
  • HeartlandBlue Gold $0 PCP Visit 1500 NEtwork Blue PPO - PPO
  • HeartlandBlue Gold $0 PCP Visit 1500 Premier Select BlueChoice - EPO
  • HeartlandBlue Gold 1000 NEtwork Blue w/ Adult Vision - EPO
  • HeartlandBlue Gold 1000 NEtwork Blue w/ Adult Vision PPO - PPO
  • HeartlandBlue Gold 1000 Premier Select BlueChoice w/ Adult Vision - EPO
  • HeartlandBlue Gold Standard 2000 NEtwork Blue - EPO
  • HeartlandBlue Gold Standard 2000 NEtwork Blue PPO - PPO
  • HeartlandBlue Gold Standard 2000 Premier Select BlueChoice - EPO
  • HeartlandBlue Silver $0 PCP Visit 4500 NEtwork Blue - EPO
  • HeartlandBlue Silver $0 PCP Visit 4500 NEtwork Blue PPO - PPO
  • Elevate by Medica Bronze $0 Copay PCP Visits - EPO
  • Elevate by Medica Bronze Premier - EPO
  • Elevate by Medica Bronze Share - EPO
  • Elevate by Medica Expanded Bronze Standard - EPO
  • Elevate by Medica Gold $0 Copay PCP Visits - EPO
  • Elevate by Medica Gold Share - EPO
  • Elevate by Medica Gold Standard - EPO
  • Elevate by Medica Silver $0 Copay PCP Visits - EPO
  • Elevate by Medica Silver Share - EPO
  • Elevate by Medica Silver Standard - EPO
  • Medica Individual Choice Bronze $0 Copay PCP Visits - HMO
  • Medica Individual Choice Bronze Share - HMO
  • Medica Individual Choice Expanded Bronze Standard - HMO
  • Medica Individual Choice Gold $0 Copay PCP Visits - HMO
  • Medica Individual Choice Gold Share - HMO
  • Medica Individual Choice Gold Standard - HMO
  • Medica Individual Choice Silver $0 Copay PCP Visits - HMO
  • Medica Individual Choice Silver Share - HMO
  • Medica Individual Choice Silver Standard - HMO
  • Medica Insure Bronze $0 Copay PCP Visits - EPO
  • Bronze Classic - EPO
  • Bronze Classic | with Bryan Health - EPO
  • Bronze Classic 4700 - EPO
  • Bronze Classic Standard - EPO
  • Bronze Classic Standard | with Bryan Health - EPO
  • Bronze Elite + PCP Saver Plus - EPO
  • Bronze Elite + PCP Saver Plus | with Bryan Health - EPO
  • Bronze Simple Diabetes - EPO
  • Bronze Simple Diabetes | with Bryan Health - EPO
  • Gold Classic Standard - EPO
  • Gold Classic Standard | with Bryan Health - EPO
  • Gold Elite - EPO
  • Gold Elite | with Bryan Health - EPO
  • Secure - EPO
  • Silver Classic - EPO
  • Silver Classic Standard - EPO
  • Silver Classic Standard | with Bryan Health - EPO
  • Silver Simple Diabetes - EPO
  • Silver Simple Diabetes | with Bryan Health - EPO
  • Silver Simple PCP Saver - EPO
  • UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) - EPO
  • UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) - HMO
  • UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) - EPO
  • UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) - EPO
  • UHC Bronze Standard (No Referrals) - EPO
  • UHC Bronze Standard (No Referrals) - HMO
  • UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) - HMO
  • UHC Bronze Value+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) - HMO
  • UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals) - HMO
  • UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision, No Referrals) - HMO
  • UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) - EPO
  • UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) - HMO
  • UHC Gold Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) - EPO
  • UHC Gold Standard (No Referrals) - EPO
  • UHC Gold Standard (No Referrals) - HMO
  • UHC Gold Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) - EPO
  • UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) - EPO
  • UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) - HMO
  • UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) - EPO
  • UHC Silver Standard (No Referrals) - EPO

Specific plan information not avaialable, please contact the provider to verify if your insurance plan is accepted.

Specific plan information not avaialable, please contact the provider to verify if your insurance plan is accepted.

Specific plan information not avaialable, please contact the provider to verify if your insurance plan is accepted.

*Please verify directly with this provider to make sure your insurance plan is currently accepted.

Authorized Official

The authorized official is the designated individual with the legal authority to make changes to the provider’s official NPI record. For organizations, the authorized official must be a general partner, chairman of the board, CEO, CFO or a direct owner holding at least a 5 percent stake in the medical organization.

Authorized Official Name

LAURA J GAMBLE

Authorized Official Title
CEO
Authorized Official Phone
(402) 385-3083

Additional Identifiers

The NPI Enumerator encourages providers to submit additional identifiers with their NPI application although the submission of this information is optional. The additional identifier(s) section includes other numbers or codes currently or formerly used as an identifier for the provider by other public healthcare entities. The identifiers may include UPIN, NSC, OSCAR, DEA, Medicaid State or PIN identification numbers.

Identifier Type / Code Identifier State Identifier Issuer
H138OTHER (01)NEMIDLANDS CHOICE CAH HOSP
00140OTHER (01)NEBCBSNE CAH HOSPITAL

Hospital Compare Quality Information

Star ratings information gives patients a useful way to compare local hospitals by highlighting important quality factors like readmissions, mortality, safety of care, patient experience and timely and effective care. The ratings are presented as stars, ranging from 1 to 5. A higher number of stars indicates better performance in each quality aspect.

  • Overall Quality Rating Not Available - There are too few measures or measure groups reported to calculate a star rating or measure group score.

    The overall rating is calculated by taking the weighted average of these group of scores. If a hospital is missing a measure category or group, the weights are redistributed amongst the qualifying measure categories or groups.

  • Hospital Type Critical Access Hospitals - Government - Local

  • Emergency Services: Yes

    Shows if the hospital provides emergency services like acute medical care or trauma care.

  • Meaningful Use of Electronic Health Records: Y

    Shows if the hospital meets the criteria for promoting interoperability of Electronic Health Record Systems (EHRS).

Hospital Complications and Mortality Quality Ratings

  • Death rate for stroke patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Death rate for pneumonia patients is no different than the national rate

    Evaluation Period: July 2020 - June 2023

  • Death rate for heart failure patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Death rate for COPD patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Death rate for heart attack patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Rate of complications for hip/knee replacement patients is number of cases too small

    Evaluation Period: July 2020 - March 2023

Unplanned Hospital Visits Quality Ratings

  • Pneumonia (PN) 30-Day Readmission Rate is no different than the national rate

    Evaluation Period: July 2020 - June 2023

  • Rate of readmission after discharge from hospital (hospital-wide) is no different than the national rate

    Evaluation Period: July 2022 - June 2023

  • Rate of readmission after hip/knee replacement is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Heart failure (HF) 30-Day Readmission Rate is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Rate of readmission for chronic obstructive pulmonary disease (COPD) patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Acute Myocardial Infarction (AMI) 30-Day Readmission Rate is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Ratio of unplanned hospital visits after hospital outpatient surgery is no different than expected

    Evaluation Period: January 2022 - December 2022

  • Rate of emergency department (ED) visits for patients receiving outpatient chemotherapy is number of cases too small

    Evaluation Period: January 2022 - December 2022

  • Rate of inpatient admissions for patients receiving outpatient chemotherapy is number of cases too small

    Evaluation Period: January 2022 - December 2022

  • Hospital return days for pneumonia patients is average days per 100 discharges

    Evaluation Period: July 2020 - June 2023

  • Hospital return days for heart failure patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

  • Hospital return days for heart attack patients is number of cases too small

    Evaluation Period: July 2020 - June 2023

Hospital Timely and Effective Care Quality Ratings

  • Head CT results is not available %

    Percentage of patients who came to the emergency department with stroke symptoms who received brain scan results within 45 minutes of arrival.
    Evaluation Period: January 2023 - December 2023

  • Left before being seen is not available %

    Percentage of patients who left the emergency department before being seen.
    Evaluation Period: January 2022 - December 2022

  • Average (median) time patients spent in the emergency department before leaving from the visit- Psychiatric/Mental Health Patients. A lower number of minutes is better is 138 minutes

    Average time patients spent in the emergency department before being sent home.
    Evaluation Period: January 2023 - December 2023

  • Average (median) time patients spent in the emergency department before leaving from the visit A lower number of minutes is better is 117 minutes

    Average time patients spent in the emergency department before leaving from the visit.
    Evaluation Period: January 2023 - December 2023

  • Healthcare workers given influenza vaccination is 96%

    Percentage of healthcare workers given influenza vaccination.
    Evaluation Period: October 2023 - March 2024

  • Hospital Harm - Severe Hyperglycemia is not available

    Evaluation Period: January 2023 - December 2023

  • Hospital Harm - Severe Hypoglycemia is not available

    Evaluation Period: January 2023 - December 2023

  • Percentage of healthcare personnel who are up to date with COVID-19 vaccinations is 4.8%

    Percentage of healthcare personnel who completed COVID-19 primary vaccination series.
    Evaluation Period: October 2023 - December 2023

  • Admit Decision Time to ED Departure Time for Admitted Patients - psychiatric/mental health disorders is not available

    Evaluation Period: January 2023 - December 2023

  • Admit Decision Time to ED Departure Time for Admitted Patients - non psychiatric/mental health disorders is 16

    Evaluation Period: January 2023 - December 2023

  • Emergency department volume is not available

    Evaluation Period: January 2022 - December 2022

  • Intensive Care Unit Venous Thromboembolism Prophylaxis is not available

    Evaluation Period: January 2023 - December 2023

  • Venous Thromboembolism Prophylaxis is 59

    Evaluation Period: January 2023 - December 2023

  • Discharged on Statin Medication is not available

    Evaluation Period: January 2023 - December 2023

  • Antithrombotic Therapy by End of Hospital Day 2 is not available

    Evaluation Period: January 2023 - December 2023

  • Anticoagulation Therapy for Atrial Fibrillation/Flutter is not available

    Evaluation Period: January 2023 - December 2023

  • Discharged on Antithrombotic Therapy is not available

    Evaluation Period: January 2023 - December 2023

  • Severe Sepsis 6-Hour Bundle is not available %

    Septic Shock 6 Hour.
    Evaluation Period: January 2023 - December 2023

  • Severe Sepsis 3-Hour Bundle is not available

    Evaluation Period: January 2023 - December 2023

  • Septic Shock 6-Hour Bundle is not available %

    Severe Sepsis 6 Hour.
    Evaluation Period: January 2023 - December 2023

  • Septic Shock 3-Hour Bundle is not available %

    Septic Shock 3 Hour.
    Evaluation Period: January 2023 - December 2023

  • Appropriate care for severe sepsis and septic shock is not available %

    Severe Sepsis and Septic Shock. Sepsis is a complication that happens when a patient has an extreme response to an infection. Higher percentages are better.
    Evaluation Period: January 2023 - December 2023

  • Safe Use of Opioids - Concurrent Prescribing is 6

    Evaluation Period: January 2023 - December 2023

  • ST-Segment Elevation Myocardial Infarction (STEMI) is not available

    Evaluation Period: January 2023 - December 2023

  • Improvement in Patient's Visual Function within 90 Days Following Cataract Surgery is not available %

    Percentage of patients who had cataract surgery and had improvement in visual function within 90 days following the surgery.
    Evaluation Period: January 2022 - December 2022

  • Endoscopy/polyp surveillance: appropriate follow-up interval for normal colonoscopy in average risk patients is not available %

    Percentage of patients receiving appropriate recommendation for follow-up screening colonoscopy.
    Evaluation Period: January 2022 - December 2022

Reviews for PENDER COMMUNITY HOSPITAL DISTRICT

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NPI NPI Number Validation

How NPI Validation Works

The NPI validation process uses the ISO-standard Luhn algorithm, a mathematical "handshake", to ensure that a provider's 10-digit ID is authentic and free of common typing errors.

To verify the NPI 1578627196, we treat the final digit (6) as the Check Digit—the target answer we need to reach. The process begins by taking the first nine digits and adding a constant value of 24, which accounts for the "80840" prefix required for all U.S. health identifiers. We then double every other digit starting from the right and sum the individual digits of those results together. For this specific NPI, that total comes to 64. The final step is to find the difference between that total and the next multiple of ten (70 - 64 = 6).

Digit-by-digit view

Use the first nine digits for the calculation. Starting from the right, double every other digit. The last digit is the check digit and is not part of the calculation.

Pos 1
1
Doubled → 2
Pos 2
5
Unchanged
Pos 3
7
Doubled → 14 → 1 + 4
Pos 4
8
Unchanged
Pos 5
6
Doubled → 12 → 1 + 2
Pos 6
2
Unchanged
Pos 7
7
Doubled → 14 → 1 + 4
Pos 8
1
Unchanged
Pos 9
9
Doubled → 18 → 1 + 8
Check
6
Target digit
Regular digit Doubled digit Check digit

Step 1: Double every other digit from the right

Starting with the rightmost digit of the first nine digits, double every other value. If doubling creates a two-digit number, add those digits together.

1 → 2 7 → 14 → 5 6 → 12 → 3 7 → 14 → 5 9 → 18 → 9

Step 2: Add all digits plus the NPI constant

Add the transformed values, the unchanged digits, and the constant 24.

2 + 5 + 1 + 4 + 8 + 1 + 2 + 2 + 1 + 4 + 1 + 1 + 8 + 24 = 64

Step 3: Find the amount needed to reach the next multiple of 10

The next multiple of ten after 64 is 70. The difference is the calculated check digit.

70 - 64 = 6
This NPI is valid
The calculated check digit is 6, which matches the last digit of 1578627196.

Other Providers at the Same Location


The following 18 providers are registered at the same or a nearby location.

Occupational Therapist
100 HOSPITAL DR
PENDER, NE 68047
Optometrist
100 HOSPITAL DR
PENDER, NE 68047
Occupational Therapist
100 HOSPITAL DR
PENDER, NE 68047
Dietitian, Registered
100 HOSPITAL DR
PENDER, NE 68047
Physical Therapist
100 HOSPITAL DR
PENDER, NE 68047
Social Worker (Clinical)
100 HOSPITAL DR
PENDER, NE 68047
Social Worker
100 HOSPITAL DR
PENDER, NE 68047
Occupational Therapist
100 HOSPITAL DR
PENDER, NE 68047
Registered Nurse (Diabetes Educator)
100 HOSPITAL DR
PENDER, NE 68047
Nurse Anesthetist, Certified Registered
100 HOSPITAL DR
PENDER, NE 68047
Family Medicine
100 HOSPITAL DR
PENDER, NE 68047
Physician Assistant (Medical)
100 HOSPITAL DR
PENDER, NE 68047
Counselor (Mental Health)
100 HOSPITAL DR
PENDER, NE 68047
Nurse Anesthetist, Certified Registered
100 HOSPITAL DR
PENDER, NE 68047
Physical Therapy Assistant
100 HOSPITAL DR
PENDER, NE 68047
Family Medicine
100 HOSPITAL DR
PENDER, NE 68047
Registered Nurse (General Practice)
100 HOSPITAL DR
PENDER, NE 68047
Medicare Defined Swing Bed Unit
100 HOSPITAL DR
PENDER, NE 68047

Frequently Asked Questions

The NPI number assigned to this healthcare provider is 1578627196, enumerated as an "organization" on December 20, 2006.

The provider is located at 100 HOSPITAL DR PENDER, NE 68047 and the phone number is (402) 385-3083.

General Acute Care Hospital with taxonomy code 282NC0060X and a focus in Critical Access.

The provider might be accepting Accepts: Ambetter from Home State Health, Ambetter from. Please consult your insurance carrier or call the provider to verify.