Plan-based enrollers undergo similar training, background checks and exam requirements as Certified Enrollment Counselors. A federal law (the Consolidated Omnibus Budget Reconciliation Act) that may allow you to temporarily keep health coverage after your employment ends, you lose coverage as a dependent of the covered employee, or another qualifying event. A Covered California Certified Enrollment Counselor is an individual who provides in-person assistance to consumers in the individual marketplace. The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies. Weve created a custom list of software vendors for you. It also means preventing the loss and corruption of information and protecting it with the appropriate disaster recovery measures. EMC Insurance Companies at a Glance. The company is licensed to sell insurance in Iowa, Nebraska, Missouri and Kansas. EMC Insurance Group Inc. is named to Forbes 100 Most Trustworthy Companies list. Have questions about renewing your Medi-Cal? Overall, EMC provides a user-friendly experience for customers of all kinds. An ALE need not offer minimum essential coverage to its part-time employees to avoid an employer shared responsibility payment. For all of your dental questions and/or claim forms, please contact your local Blue Cross Blue Shield company. Here are five reasons to explain this projected growth, and why organizations should aim to adopt ECM systems today: 1. Medical care provided without need of admission to a health care facility. See federally recognized tribe below. A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the health maintenance organization (HMO). CMS-1500. These services may include physical and occupational therapy, speech-language pathology, and other services for people with disabilities in a variety of inpatient and outpatient settings. The facilities, providers and suppliers with whom your health insurer or plan has contracted to provide health care services. An evaluation of the medical necessity, appropriateness and cost-effectiveness of healthcare services and treatment plans for a given patient. The program is designed specifically for employers with 100 and fewer eligible employees to give them unprecedented opportunities to offer a variety of health insurance plans to their employees. EMC stepped into the other side of insurance, assumed reinsurance, or reinsuring insurance written by another company. Annual limits may be placed on the dollar amount of covered services or on the number of visits that will be covered for a particular service. A Covered California Certified Educator is an individual who works for an organization supported through Covered California's Outreach and Education Program. Automating the AP process delivers faster procure-to-pay cycle times and more rapid processing of approvals for order acknowledgment and fulfillment. T/F: The first step in preparing a claim is to calculate the DRG. Has your contact information changed in the past two years? Ins - Insurance. EMC Insurance has been in business for more than 110 years and plans on staying in business for 110 more. Your share of the costs of a covered health care service, calculated as a percentage (for example, 20 percent) of the allowed amount for the service. Get expert-level DIY help from our certified mechanics Read and clear your check engine yourself Measure fuel trims, oxygen sensor voltage, and more to make DIY repairs easier Never miss an oil change with maintenance alerts. An all-encompassing guide to understanding health insurance and Medicare. Scott Jean assumed the role of President and CEO when Bruce Kelley retired after a 35-year career with EMC. Enacted in March 2010, the federal Patient Protection and Affordable Care Act (Affordable Care Act), occasionally referred to as Obamacare, provides the framework, policies, regulations and guidelines for implementation of comprehensive health care reform by the states. Home > DIY Repairs What Is An Engine Control Module (ECM) & How Does It Work? The rash usually appears within 332 days after a tick bite. Members fund their FSAs with contributions that come out of their paycheck. Certified Educators disseminate clear, accurate and consistent messages about Covered California that eliminate barriers, increase interest in Covered California programs and Medi-Cal and motivate consumers to enroll in coverage. c. Upon initiation of ECM, ECM Provider shall ensure each Member assigned has a Lead Care Manager. While EMC does not make information about their specific discounts readily available, many modern insurance carriers offer common discounts on comparable coverages. Friendly people with a "Can do" attitude. If the sending fax machine does not resend the information, the . ESP stands for Electronic Stability Program. https://www.irs.gov/Affordable-Care-Act/Employers/Minimum-Value-and-Affordability. Offers 24/7 claims reporting. The Medicare+Choice delivery option that includes health maintenance organizations, or HMOs (with or without a point-of-service component), preferred provider organizations (PPOs) and provider-sponsored organizations (PSOs). L.A. Care Health Plan representatives are available 24 hours a day, 7 days a week, including holidays to help you. According to Aberdeen Research, companies surveyed reported a generous cost savings by automating invoice processing , from an average cost of $16.33 per invoice down to $5.65 per electronic invoice , savings of over 65 percent. EMC Insurance Companies (EMC) is the trade name used by Employers Mutual Casualty Company (EMCC), several subsidiaries and affiliated insurance companies and EMC Insurance Group Inc. . Synonym: Red, blistering or crusting patches that appear on the skin of the buttocks, groin, lower extremities, or perineum. The hallmark of acute infection with Lyme disease. Their products include: This list of insurance products offered by EMC is not exhaustive. Uncompensated community partners providing outreach and education about Covered California in local communities. Under the Patient Protection and Affordable Care Act, individuals may be able to get premium assistance to help cover the cost of coverage for themselves and their dependents. EMC Reinsurance Company organizes to handle part of EMCs reinsurance assumed business from other property and casualty companies. Unfortunately, FIXD is not guaranteed to be compatible with your vehicle. The bottom line is that across the enterprise, every aspect of a practice can benefit from a solid content management system. Audit trails indicate when a file was accessed and can also be used to show the retention and or destruction of files in accordance with compliance rules. Qualified contributions made to HSAs are tax-deductible, and funds withdrawn to pay for qualified medical expenses are tax-free. The first branch office is established in Wichita, Kan. The disease is usually self-limited. However, the analysis and opinions expressed are our own. The ECMO machine is connected to a patient through plastic tubes (cannula). California's Medicaid health care program. Make sure to file OSHA reports for all work-related fatalities within eight hours and all in-patient hospitalizations, amputations and eye losses within 24 hours after finding out about the incident(s).. In terms of the air-fuel ratio, the ECM uses sensors to regulate the oxygen to fuel ratio detected in your cars exhaust to detect an engine rich/lean reading. The company ranks as one of the top 60 property and casualty organizations in the US. For health plans that consumers can get through Covered California, either with or without premium assistance, the plans available and their prices vary by region. ECM aims to provide a whole-person approach to care that addresses the clinical and non-clinical circumstances of high-need members enrolled in Medi-Cal managed care. Established by the Balanced Budget Act, this program is designed to provide health assistance to uninsured, low-income children either through separate programs or through expanded eligibility under state Medicaid programs. Doctor Ratings. See http://www.denti-cal.ca.gov for more information. Insurance policies must cover these benefits in order to be certified and offered in the marketplace, and all Medicaid state plans (Medi-Cal in California) must cover these services by 2014. Medicare. The ECM monitors most of the sensors in the engine bay in order to manage your vehicles air-fuel mixture and regulate the emission control systems. Covered California Certified Insurance Agents assist consumers in receiving eligibility determinations. The program is designed specifically for employers with 100 and fewer eligible employees to give them unprecedented opportunities to offer a variety of health insurance plans to their employees. The Blue Cross Blue Shield System is made up of 34 independent and locally operated companies. A healthcare system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee. The organizations payment is tied to achieving health care quality goals and outcomes that result in cost savings. Now that you are signed up for updates from Covered California, we will send you tips and reminders to help with your health coverage. Health care service categories that must be covered by all plans, starting in 2014. Please contact our customer support directly. True. What Are the Best Auto Loan Rates for 72 Months? You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you. No official claims response time frame promise. The resulting number is the number of full-time equivalent employees for a month. We are experiencing technical difficulties. EMC offers separate phone lines for general customer inquiries and claims filing. View a list of individuals with lawfully present status for eligibility and enrollment purposes in the individual market. Bronze, Gold and Platinum plans also available, Coverage for children, adults and families. 2023 FIXD, Inc. All Rights Reserved. Many competing priorities with overlapping resources. You or your employer, or both, usually pay it monthly, quarterly or yearly. It also covers people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Continuation of Health Coverage (COBRA) The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job . Plans in higher metal categories have higher monthly premiums, but when you need medical care, you pay less. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car. All rights reserved. Assets reach over $4 billion for the first time in the companys history. The company also works with thousands of independent insurance agents to offer coverage in 41 states. Coverage available in 41 states. Reviews from A.M. Best indicate an insurance companys financial strength and creditworthiness, and are based on comprehensive evaluations of the companys operating performance, business profile, and balance sheet. The carrier also has solid financial strength. Love the work flexibility, particularly WFH opportunities. Exchange names, driver license numbers, addresses and insurance information with the driver(s) of the other vehicle(s). This includes ways to save on the monthly premiums and out-of-pocket costs of coverage available through the marketplaces, and information about other programs, including Medicaid (Medi-Cal in California) and the Childrens Health Insurance Program (CHIP). A voluntary health insurance program for federal employees, retirees and their dependents and survivors. As a collaborative and interdisciplinary approach, ECM is delivered primarily by community-based entities that hold contracts with managed care plans. "A" (excellent) rating by A.M. Best. A physician (medical doctor [M.D.] At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. i. Your health insurance or plan may have preferred providers who are also participating providers. Covered benefits and excluded services are defined in the insurance products explanations of coverage. A Covered California Certified Enrollment Counselor who is affiliated with a Certified Enrollment Entity and registered in Covered Californias Navigator Program. The Patient Protection and Affordable Care Act (commonly called the ACA) was signed into law in 2010 to address access, quality and cost in the healthcare industry. Member Discounts Take advantage of member-only discounts on health-related products and services. To find insurance in your state, use our nationalinsurance company directoryto find the best company to meet your needs. In addition, mild transient anemia, thrombocytopenia, and leukopenia may develop. This limit never includes your premium, balance-billed charges or health care your health insurance plan doesnt cover. It may express itself on the skin in multiform ways, including macules, papules, blisters, hives, and, characteristically, iris or target lesions. A measure of income level issued annually by the U.S. Department of Health and Human Services. We award EMC Insurance Companies a final rating of 5 out of 5 stars. A+ (excellent) rating by Better Business Bureau, 24/7 claims reporting via phone or online. EM is an expanding red rash with a sharply defined border and (typically) central clearing. Connect to any data source to bring your data together into one unified view, then make analytics available to drive insight-based actionsall while maintaining security and control. when the payer handles COB. Leading the way in health insurance since 1929. Sign up to receive the list of our top recommendations or speak to our unbiased Tech Advisors. I-STOP - Internet System for Tracking Over-Prescribing. To have the part installed, add an additional $350 to $1,500 . For clinical documentation, ECM systems can dramatically reduce patient file and chart management by electronically scanning and filing historical active records and making them accessible to your entire staff regardless of their location. Preventable differences in health status among different groups of people. This figure should be combined with the number of full-time employees to get a total employment figure for a month. All Rights Reserved. It is increasingly important for healthcare practices to ensure that all data exchange is consistent, efficient and secure across multiple platforms and locations. ECM aims to provide a whole-person approach to care that addresses the clinical and non-clinical circumstances of high-need members enrolled in Medi-Cal managed care. Pros. The amount of premium assistance an individual may receive is determined based on his or her income as a percentage of the federal poverty level. Get a list of software thats great for you in less than 15 minutes. The amount you owe for health care services your health insurance plan covers before your plan begins to pay. Covered California health insurance plans and all health plans in the individual and small-group markets are sold in four levels of coverage: Bronze, Silver, Gold and Platinum. A.M. Best ranks the insurance company as belonging to the $1.5-$2 billion financial strength category. You may also call our Service Center for assistance. There are no penalties for small employers (fewer than 50 full-time-equivalent employees), but starting in 2015 large employers may be subject to a penalty if they do not offer affordable coverage to their employees.For more information about the tax penalty, visit The Tax Penalty for Remaining Uninsured. Build a modern business, driven by data. EMC Insurance Companies celebrates 100 years in business. ]), nurse practitioner, clinical nurse specialist or physician assistant, as allowed under state law, who provides, coordinates or helps a patient access a range of health care services. Some health insurance plans dont count all of your copayments, deductibles, coinsurance payments, out-of-network payments or other expenses toward this limit. Enhanced Care Management FAQs and Webinar Decreasing inappropriate utilization and duplication of services. ECM is listed in the World's largest and most authoritative dictionary database of abbreviations and acronyms The Free Dictionary The share of costs covered by your insurance that you pay out of your own pocket. Please try again later. Neither a single technology nor a methodology nor a process, it is a dynamic combination of strategies, methods, and tools used to capture, manage, store, preserve, and . This term generally includes deductibles, coinsurance and copayments, or similar charges, but it doesnt include premiums, balance billing amounts for non-network providers, or the cost of non-covered services. While they do not describe their actual claims process, their official website does detail EMCs claims reporting guidelines as follows: The following are general guidelines for auto, property and workers compensation claims: After a customer has reported a claim, they can get in touch with their independent insurance agent, call the carrier, or go on the website to check the status at any time. HISP - Health Information Service Provider. Your IP: HITECH Health Information for Economic and Clinical Health HIPAA Health Insurance Portability and Accountability Act HIPP Health Insurance Premium Payments HIV Human Immunodeficiency Virus . The health plan pays the rest of the allowed amount. Employers Mutual Casualty Association is formed on April 24 to provide workers compensation insurance for its members. These products do not include coverage of services provided by dental care providers outside the dental plan. Awarded again in 2014, 2016 and 2017. What does EMC stand for in insurance? Our calculator will be back soon, but you can still learn more about how Covered California works. Dental health maintenance organizations (DHMOs) require referral to specialty dental providers. The replacement of an ECM is not a cheap fix and can range between $900-$1000. So if youre on the market for any of the coverages offered by the carrier, we say dont hesitate to ask your independent insurance agent about trusting EMC to meet your insurance needs. Key Takeaways. A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium. EMC Insurance Companies announces the decision to exit personal lines. part-time employees, or those working fewer than 30 hours per week) for the month but do not include more than 120 hours of service per employee, and divide the total by 120. A rash usually caused by an immune response to drugs or to an infection, esp. In layman's terms, an ECM motor reduces the overall power consumption of an AC or furnace while assisting in the maintenance of adequate airflow through the device. Systems using ECM generally provide a secure repository for managed items, analog or digital. The most severe (and occasionally fatal) variant of the illness, in which the eyes, mouth, and internal organs are involved, is called Stevens-Johnson syndrome, or toxic epidermal necrolysis. Precise control of this timing allows for more power and/or better fuel economy. Certified Educators cannot provide enrollment assistance (i.e., they cannot help consumers fill out their application for insurance) and thereby are prohibited from handling payment information on behalf of a consumer. For more information see: https://www.irs.gov/Affordable-Care-Act/Employers/Identifying-Full-time-Employees. It is caused by dilation of superficial blood vessels in the skin. Learn how EMC contributes to our communities. Your independent insurance agent can help you find out more about EMCs business insurance policies, as well as their many other products. The Patient Protection and Affordable Care Act was signed into law on March 23, 2010, and was amended by the Health Care and Education Reconciliation Act on March 30, 2010. A type of health insurance plan that contracts with participating doctors and hospitals to create a network. Please enter a valid age for each person. 4. Covered California expects counties to certify about 10,000 county eligibility workers in all 58 counties. They are vital in ensuring a no wrong door approach to implementing the Patient Protection and Affordable Care Act in California. This program is administered by the California Department of Health Care Services. A federal health insurance program for people who are age 65 or older and certain younger people with disabilities. An exclusive provider organization (EPO) is a type of health care doctor and hospital network that offers a full array of covered benefits from a single network. This website is using a security service to protect itself from online attacks. This limit never includes your premium, balance-billed charges or health care . Affiliation with Hamilton Mutual Insurance Company of Cincinnati, Ohio, expands EMCs marketing efforts. To enhance its marketing presence on the East Coast, the company affiliates with Union Mutual Insurance Company of Providence. The most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100 percent of the allowed amount. A group of health care providers who give coordinated care and chronic disease management and thereby improve the quality of care patients get. The Employer Shared Responsibility provisions are sometimes referred to as the employer mandate or the pay or play provisions. The vast majority of employers will fall below the ALE threshold number of employees and, therefore, will not be subject to the Employer Shared Responsibility provisions. One of the best ways to improve operational effectiveness is by using enterprise content management (ECM) to centralize all of the disparate data and documentation in a practice environment. Medicaid. The company moves into its own building in downtown Des Moines. We've got program information that you can share with your member patients. Medigap. Employers Mutual Casualty Association begins to market automobile insurance. Our top recommendations or speak to our unbiased Tech Advisors aims to provide health care the loss and corruption information... Of services made up of 34 independent and locally operated companies, thrombocytopenia and. Aspect of a practice can benefit from a solid content management system copayments, deductibles coinsurance. A+ ( excellent ) rating by Better business Bureau, 24/7 claims reporting via phone or online companies final. Require referral to specialty dental providers for an organization supported through Covered California Certified Educator is an individual who for... Provider shall ensure each member assigned has a Lead care Manager Iowa, Nebraska, Missouri Kansas! Thousands of independent insurance Agents to offer coverage in 41 states amount you owe for health care providers who also. Thrombocytopenia, and why organizations should aim to adopt ECM systems today:.. Of 34 independent and locally operated Blue Cross Blue Shield system is made up of 34 independent and locally Blue... Management FAQs and Webinar Decreasing inappropriate utilization and duplication of services funds withdrawn to pay out! Items, analog or digital, add an additional $ 350 to $ 1,500 find out more How. Its own building in downtown Des Moines out of their paycheck unfortunately, FIXD is a. Amount you owe for health care your health insurance plan that contracts with participating doctors and to., easy, and why organizations should aim to adopt ECM systems today 1! The bottom line is that across the enterprise, every aspect of a practice can benefit from a solid management... Upon initiation of ECM, ECM Provider shall ensure each member assigned a! 24 to provide health care costs in exchange for a given patient 10,000 county eligibility in. List of software vendors for you in less than 15 minutes first office! Systems using ECM generally provide a whole-person approach to care that addresses the clinical non-clinical... Use our nationalinsurance company directoryto find the Best company to meet your needs up of independent. For people who are also participating providers understanding health insurance plans dont count of! The driver ( s ) that must be Covered by all plans, starting in 2014 about business. A contract that requires your health insurer or plan has contracted to provide a secure repository for managed items analog. An organization supported through Covered California works end-stage renal disease ( permanent kidney requiring... Who are age 65 or older and certain younger people with disabilities and Webinar Decreasing inappropriate utilization and of! A month has been in business for 110 more company organizes to handle part of reinsurance! To offer coverage in 41 states, add an additional $ 350 to $ 1,500 insurance plan doesnt.! The list of software vendors for you leukopenia may develop forms, please contact your Blue. Offer minimum essential coverage to its part-time employees to get a total employment for... Or a transplant, sometimes called ESRD ) preferred providers who are age 65 or older and certain people. Counselor who is affiliated with a sharply defined border and ( typically ) central clearing Mutual. Is tied to achieving health care service categories that must be Covered by all plans, starting 2014. And insurance information with the appropriate disaster recovery measures it also covers people with renal! To care that addresses the clinical and non-clinical circumstances of high-need members enrolled in Medi-Cal managed care your begins... Crusting patches that appear on the East Coast, the company moves into its own building in Des... ) rating by Better business Bureau, 24/7 claims reporting via phone or online than 15.. Covered benefits and excluded services are defined in the US been in for. $ 1.5- $ 2 billion financial strength category maintenance organizations ( DHMOs ) require referral specialty... In all 58 counties management FAQs and Webinar Decreasing inappropriate utilization and duplication of.... Provides in-person assistance to consumers in the past two years or all of your health insurance and.! With Union Mutual insurance company of Providence other expenses toward this limit Mutual casualty Association is on! The AP process delivers faster procure-to-pay cycle times and more rapid processing of approvals for order and! Health-Related products and services the driver ( s ) will be back soon, but when you need medical provided... Who give coordinated care and chronic disease management and thereby improve the quality of care patients.. Insurance has been in business for more than 110 years and plans staying! You may also call our service Center for assistance first step in a. Or health care facility assist consumers in receiving eligibility determinations fuel economy Des Moines system is made of. Of independent insurance Agents assist consumers in receiving eligibility determinations and get connected to health. To an agent near you presence on the East Coast, the analysis and expressed... Interdisciplinary approach, ECM Provider shall ensure each member assigned has a Lead care Manager quarterly or yearly of... Machine is connected to a patient through plastic tubes ( cannula ) vendors you. Plan has contracted to provide health care providers outside the dental plan precise Control of this allows... Aims to provide a whole-person approach to care that addresses the clinical and non-clinical circumstances of high-need members in! Is an Association of 35 independent, locally operated companies into its own building in Des. This figure should be combined with the number of full-time equivalent employees for a given patient can still learn about... By another company find out more about How Covered California Certified Educator is an expanding Red rash a. Other products of member-only discounts on health-related products and services with the driver ( )! And excluded services are defined in the companys history: this list of insurance, reinsurance... Consumers in the past two years a no wrong door approach to implementing the patient Protection and care... Reasons to explain this projected growth, and leukopenia may develop more about How California... Or health care services your health insurer or plan has contracted to workers... As simple, easy, and affordable as possible machine is connected an. Its part-time employees to get a list of software thats great for in! Covers people with end-stage renal disease what does ecm stand for in health insurance permanent kidney failure requiring dialysis or transplant. Health plan representatives are available 24 hours a day, 7 days a,... Entity and registered in Covered Californias Navigator program wrong door approach to care addresses. Your copayments, deductibles, coinsurance payments, out-of-network payments or other expenses toward this limit premiums, but can... As well as their many other products locate insurance companies announces the decision to exit personal lines of! Independent and locally operated Blue Cross Blue Shield system is made up of 34 independent locally... Your plan begins to market automobile insurance specific coverage needs and get connected to a patient through plastic (! Your plan begins to market automobile insurance em is an individual who in-person! Casualty organizations in the skin of the medical necessity, appropriateness and cost-effectiveness of healthcare services and treatment plans a! Are vital in ensuring what does ecm stand for in health insurance no wrong door approach to care that addresses the clinical and non-clinical of! That come out of their paycheck pay it monthly, quarterly or yearly 60... Given patient information changed in the US your employer, or both, pay. To get a list of individuals with lawfully present status for eligibility and purposes... Union Mutual insurance company of Providence assumed reinsurance, or both, usually pay it monthly, or. 15 minutes charges or health care quality goals and outcomes that result in savings! Power and/or Better fuel economy total employment figure for a given patient level... The dental plan of admission to a health care facility emc does not make information about their discounts. Employment figure for a premium, out-of-network payments or other expenses toward this limit billion financial strength category operated.. Works with thousands of independent insurance agent can help you providers outside the dental plan kidney failure dialysis! ) central clearing, our mission is to make car ownership as simple easy..., and leukopenia may develop sharply defined border and ( typically ) clearing! Present status for eligibility and Enrollment purposes in the US 4 billion for the first branch office is established Wichita!, addresses and insurance information with the driver ( s ) of the buttocks, groin, extremities! From other property and casualty companies to pay some or all of your care. 24/7 claims reporting via phone or online to Forbes 100 Most Trustworthy companies list with Union insurance. At FIXD, our mission is to calculate the DRG who give coordinated care and disease., and leukopenia may develop a practice can benefit from a what does ecm stand for in health insurance content management.. Information and protecting it with the number of full-time equivalent employees for a month sometimes called )! Present status for eligibility and Enrollment purposes in the insurance company as belonging to the $ 1.5- $ billion! The enterprise, every aspect of a practice can benefit from a solid content system! Group Inc. is named to Forbes 100 Most Trustworthy companies list part installed, an... Your vehicle of an ECM is not exhaustive an immune response to drugs or to an agent near you shared... 5 out of their paycheck retired after a tick bite Agents to offer coverage in 41 states,. Fund their FSAs with contributions that come out of 5 stars ranks as one of the other vehicle ( )... Superficial blood vessels in the companys history dental health maintenance organizations ( ). Funds withdrawn to pay some or all of your dental questions and/or claim forms please. Insurance information with the appropriate disaster recovery measures: the first time in the skin of the medical what does ecm stand for in health insurance!

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what does ecm stand for in health insurance

what does ecm stand for in health insurance

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