MARK R AKERSON MD
Accepted Insurance for NPI 1699720367
Family Medicine in Marianna, FL


Quality Rating: 76.02 out of 100 score

NPI Status: Active since May 23, 2006

Contact Information

4284 KELSON AVE
MARIANNA, FL
ZIP 32446
Phone: (850) 482-2910
Fax: (850) 482-2836

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Accepted Health Plans and Insurance Coverage

This registry outlines the health plan networks and insurance coverage profiles associated with MARK R AKERSON MD, a practicing family medicine professional in Marianna, FL. Compiled from official data resources, this interface is designed to help you determine if your policy is accepted at this practice location. Currently, the provider is listed across 86 individual coverage options managed by medical networks, including networks like Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), and Wellpoint. Please use the filtering dashboard below to search for your specific plan by name, narrow results by a single carrier corporate network, or toggle between plan types (HMO, PPO, EPO) to check your status before coordinating an upcoming clinic visit.

Fitler by Network Type

Florida Blue (BlueCross BlueShield FL)

BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260010
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260004
BlueOptions Bronze 24J01-06 (Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260006
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260017
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260018
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260009
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260012
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260020
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260005
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260008
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260021
BlueOptions Silver 24J01-03 ($10 Labs / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260003
BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260007
BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)
PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

16842FL0260019

Florida Blue HMO (a BlueCross BlueShield FL company)

myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070001
myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070025
myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070031
myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200009
myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190009
myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070033
myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200010
myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190010
myBlue Bronze 2219 ($75 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070039
myBlue Bronze 2286 ($75 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070041
myBlue Bronze 2312S ($50 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070044
myBlue Bronze 2322S ($50 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070045
myBlue Bronze 26M01-23 (Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070065
myBlue Bronze 26M02-24 (Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070066
myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070070
myBlue Gold 1605 ($0 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070009
myBlue Gold 2011 ($0 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070023
myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070028
myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070055
myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070056
myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070074
myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070027
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070058
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070100
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070075
myBlue Silver 2010 (Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070022
myBlue Silver 2010E (Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200003
myBlue Silver 2010V (Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190003
myBlue Silver 2237 ($60 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070035
myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200011
myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190011
myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070053
myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070054
myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070078
myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200032
myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190028
myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200029
myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190025
myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070076
myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200034
myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190030
myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070103
myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200038
myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190034
myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070101
myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200036
myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190032
myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070102
myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200037
myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190033
myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070062
myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200008
myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190008
myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070061
myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200007
myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190007
myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0070063
myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0200012
myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

30252FL0190012

Wellpoint

Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040008
Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040007
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040005
Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040001
Wellpoint Essential Catastrophic (+ Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040004
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040009
Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040003
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040010
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040014
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040011
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040012
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040013
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PARTICIPATING Tier

Accepted Plan ID Variations

44228FL0040002
No coverage plans found coordinating with your query criteria.

Coverage Information & FAQs

This provider accepts health insurance plans managed by the following insurance companies: Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Wellpoint. You can filter specific policies or search for unique plans using the open dashboard controls located above.
Yes, registry files confirm this provider accepts Medicare assignment, meaning they agree to accept the Medicare-approved amount as full payment for covered services. Additionally, the provider is officially enrolled in the PECOS program (Provider Enrollment, Chain, and Ownership System), verifying that they are certified to order, refer, or prescribe services to Medicare beneficiaries.
MARK R AKERSON MD is enrolled across the following managed care network types: HMO, PPO.
  • HMO (Health Maintenance Organization): Requires receiving care through the network of clinicians and facilities, often requiring primary doctor referrals to access specialist treatments.
  • PPO (Preferred Provider Organization): Provides flexibility to visit out-of-network clinicians without requiring referrals, though seeking care with in-network providers offers lower out-of-pocket costs.